Date Received: 2022-03-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I contacted TD Retail Card Services ( TD Yardcard ) on XX/XX/XXXX. I discovered that were charging me monthly fees on the account. This account is an interest free account, deferred, if paid by the final due date. I began the account payment by paying the first installment in full by its due date in XX/XX/XXXX. Then XXXX setup bi-weekly payments immediately so that I would get ahead of schedule to pay off the account before the final due date and thus insure no interest charges. TD accepted each bi-weekly payment but did not credit the account as a payment, instead began applying the payment to the principal. The amount due each month was {$170.00} and I was paying bi-weekly of {$100.00}. So in some months they received {$200.00} and in a few months {$300.00}. They have continued to accrue fees on my account saying I am not paying the amount due on time. I am perplexed and they refuse to correct this and apply the payments correctly. At this time I am over paid what is actually due to them and they are still charging me fees. They offered to rescind and credit one monthly fee but to me that is not acceptable. They say I have been late paying but that is not correct and I am actually overpaid. I want them to refund me all the months they charged a fee. They are charging {$40.00} each month now and it makes no sense. They just need to correct the application of the payment and I can prove that they have received more than the monthly due amount each and every month prior to the due date. They need to do the right thing here and they are refusing. Please help me out as I am a great paying customer who was paying ahead of schedule.
Company Response:
State: TX
Zip: 77316
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XXXX my account with TD bank became frozen. I contacted the customer service department and they told me my account was closed after I made a deposit totaling over {$1800.00}. I was in the process of getting married and did not have the time to directly deal with it. After returning from my honeymoon in XXXX I contacted customer service and they informed me that my account was closed but to receive the balance I had to go into a branch and they will cut me a check. I went into a branch in XXXX and requested the balance. They told me that the de-marketing department needed to unblock my account so they can cut me a check and it should take 1-2 days. It's now been over two weeks and many contact to customer service and the branch but I still have not received my balance even though my account has been closed for over 3 months.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: a XXXX cable guy stole our check book while installing service.. he wrote and cashed XXXX checks for total of XXXX though we never wrote checks from our account instead for {$1000.00} once a month to the rent..TD cashed XXXX consecutive checks for {$14000.00} on XX/XX/XXXX than {$8400.00} on the XXXX, with fake signatures. we visited the branch and called numerous times over the 120 days ..money was never returned or even investigators din'y not even make one comment. we are looking to get our money back, because these checks were not suppose to be cashed out to begin with, they did not have the correct signatures or even there was not similar pattern of writing checks over {$1000.00}, which we only did once a month. the branch address is XXXX XXXX XXXX, XXXX XXXX, NY, XXXX.
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I sold a product online. The buyer deposited {$5300.00}, cash, into my business account. My business name is XXXX XXXX XXXX XXXX. When TD Bank confirmed the cash was in my account, I released the product to the buyer. Some days later, my account was frozen. I then learned that TD had reversed the deposit and taken the {$5300.00} out of my account. I never got a single correspondence from TD, not XXXX. No call, no email, no letter, nothing. I reached out to TD and they refused to give me any information. They said the deposit was " suspicious '' and they were " investigating ''. A few weeks later, I got a call from my local branch manager, who ( gleefully ) told me I was a scammer and they were keeping my {$5300.00}. They refused to give any details, any reason for keeping my money, no results of any investigation, nothing at all. I made several calls to TD corporate and could not get any information or resolution. The theft occurred in Union, XXXX, so I filed a report with the XXXX XXXX police department. TD stonewalled the police and would not give any information. They got XXXX and discovered there was never any investigation and they would not tell the detective why they took my money. After many months and XXXX the detective was able to determine that another person was involved in the scam. This other person was given a bad check to deposit and was told to deposit the {$5300.00} into my account, after which the bad check bounced. TD chose to give this person their {$5300.00} back, making me the victim of the scam. If this other person got into some money-making scam, why did they make me the victim? How can TD Bank take {$5300.00} cash out of my account and never contact me, never explain anything to me or even take my calls? It appears to me that the managers of the XXXX XXXX XXXX XXXX are in on the scam and TD bank is protecting them.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: never told me about {$18.00} overdue balance have tons of credit, and then they decided to report me without notifying me at all about the balance. I have almost all my accounts on autopay, this one is not LOOK at my record. They are trying to use systemic fraud to collect late fees by not informing their customers its only a few bucks for me which I paid immediately but these guys are definitely fraudsters and should pay the price. I will be paying the price unless this is completely removed from my credit. I am taking them and all the agencies to small claims court, I just had to wait for it all to show up on my credit reports to do that. Maximum damanges and possibly individual cases. Hopefully you can do something to to stop this fraud! Thanks!
Company Response:
State: NY
Zip: 11795
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am trying to get my 2021 records for an account that was closed in XXXX with TD Bank accoun XXXX. I have called their main customer service who told me to call the branch. The branch told me they're having problems getting the documents and are not returning my phone calls. 1. No 2021 tax document was ever sent. 2. I can not access the account online and was told the only way I could do this is to reopen it- which is extortion in my opinion. 3. The bank does not seem to have access to my records and can not send them to me. 4. Customer service is unable/unwilling to help me. 5. Local branch does not return phone calls though they understand the problem.
Company Response:
State: IA
Zip: 525XX
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: My information was compromised and used fraudulently to open a checking account in my name.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased a HORSE through XXXX XXXX of XXXX XXXX stable who had me use my TD Bank XXXX to charge {$2400.00}. To XXXX XXXX STABLES. I paid to have the horse delivered XX/XX/XXXX, to XXXX XXXX academy in XXXX NY. The horse was guaranteed to be sound and appropriate for my riding needs. After I paid the vet to examine the horse ( as agreed ) he was found to be immediately unsound and bloodwork and radiographs confirmed this. I called dealer and he said he would take his horse back and deliver another guaranteed sound and fit. He delivered another horse also found to be unsound by the vet ( I paid again for shipping and vetting ). At this point I told dealer I was reversing charges on my CCs and returning the second unsound horse. The dealer stopped returning my calls. The barn owner got involved and got him to take the horse back, which he did. I am currently out shipping, vetting and boarding fees. I reported immediately to TD Bank and followed up with XXXX phone calls and a written statement and XXXX visits in person to TD Bank branches. TD claims I didnt follow up and has closed the account keeping my {$2400.00}.
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX. The letter stated that I have a Target Card from TB Bank USA and as of XX/XX/XXXX I owed {$210.00}. I take responsibility for missing a payment in XXXX of XXXX, I forgot I had used that credit card and did not make the payment. When I received the letter on XX/XX/XXXX I immediately paid the balance. On XX/XX/XXXX I received an alert that my credit score had decreased. I logged into my XXXX XXXX account ( they send the credit score alerts to me ) and saw that my credit score had decreased by XXXX points and it was due to missed payments for this account. I called both XXXX and Target to ask for a " goodwill '' removal of this information as I paid the balance immediately upon receiving the letter and my credit history at this time will show I have not had missed payments in several years. Target informed me that I would need to contact XXXX about this, via telephone call on the morning on XX/XX/XXXX. They transferred me to XXXX. I was told by XXXX that they are unable to do anything and I needed to talk to Target. Here are specifics from the conversation with XXXX : ( 1 ) they received the information from Target on XX/XX/XXXX, ( 2 ) they are not able to send me any written information about what attempts they made to inform me about this balance, incident, payment, etc., ( 3 ) they sometimes make phone calls to customers but do not necessarily leave any voicemail messages. I did not receive any voicemails from XXXX, ( 4 ) they have no record about if they called me or not, ( 5 ) they stated they have no record about when they first sent a letter to me, ( 6 ) they have no information at all about my account because I had already paid the full amount. I spoke with XXXX XXXX between approximately XXXX and XXXX on XX/XX/XXXX If I had made a payment prior to XX/XX/XXXX my credit score would not have been impacted. I received no communication from XXXX prior to receiving the letter on XX/XX/XXXX. The letter is dated XX/XX/XXXX but, depending on what time of day the letter was sent, that left a total of two business days for the letter to arrive in my mailbox and for me to have time to pay the balance.
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A