Date Received: 2022-01-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Virginia XXXX TD Bank Dispute/Complaint XXXX. XX/XX/XXXX, I opened an account with XXXX XXXX XXXXTD Bank a . Original credit limit {$7000.00}, free interest for 12 months b. Payments due XXXX of every month c. Never missed a payment and late one time on XX/XX/XXXX ( last payment ) 2. XX/XX/XXXX ( see attachment ), received a letter informing me of a reduction of my credit line a. It caused my score to go down and I called customer service to complain XXXX. XX/XX/XXXX, I phoned TD to ask for a deferment and was denied because I received one in XXXX and was told by the agent the policy is one and one only. a. I explained my financial situation was worsening due to the COVID-19 Pandemic and I was struggling. 4. XX/XX/XXXX, closed account I phoned TD Bank Customer Service on XX/XX/XXXX and informed them I had lost 98 % of my business revenue and customer base due the COVID-19 Pandemic/Lockdown and asked if there was any program under the CARES Act that could help me, maybe a deferment, even though I was denied previously. Narrative, XX/XX/XXXX XXXX. TD agent told me pay what I can, when I can and transferred me elsewhere to discuss my options a. I was connected to another agent with a very thick XXXX accent b. Again, explained my situation and she gave me an option to spread my outstanding balance over a XXXX period ( the max ). I was on the phone with her for approximately an hour while she tried to find someone to help me, but no one was available. The agent reassured me she made the appropriate notes and references on my account and would escalate it to a supervisor in the Forbiddance department and he or she would get back to me within three working days. I waited the three days and called back to many times to count and was told the following ; Narrative 1. There is no such department : at least ( 3 ) times 2. The information the agent told me was not correct and a supervisor was not going to call me back On or about XX/XX/XXXX, I received the standard dept collection calls which have not stopped, slowed down or otherwise, but no calls about the Forbiddance program/application. Narrative 1. The call was standard and as I explained my situation for the 10th time and was extremely frustrated, mentally exhausted and crying uncontrollably, the agent interrupted me and started to pray and preach to me. XXXX. I explained I had been waiting since XX/XX/XXXX, for someone to get back to me about the Forbiddance program and was still waiting. XXXX. She put me on hold to confirm some details and said she noted my account and escalate the matter to management/supervisor of that department 4 XXXX At XXXX p.m. I received a text message, it read ; a. Hello, is this XXXX XXXX? b. I would never have done this, The Father told me to send you this, I will always be here for you XXXX!! I was extremely apprehensive and paranoid once I realized it was the agent I was just talking to and became hysterical after noting she was still at work. I honestly believed it was some kind of set up or information gathering to be used against me in a retaliatory way. It made me feel very uncomfortable and because I have complex mental health issues ; XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX ) I was in a space of disassociation which is a coping mechanism when I am face with an extreme and uncontrollable event and or drastic life change. I finally received a call from the Forbiddance Department in early XX/XX/XXXX and after completing the questionnaire the agent told me I was denied and when I asked why she told me my disposal income was not enough for approval and told me to pay what I could, when I could and when my financial situation improves to call back and I could apply again. I recently checked my XXXX credit file and my score dropped by ( XXXX ) points because TD reported my account delinquent without any prior notification and reported it while I was still waiting to hear back from anyone in the Forbiddance Department. Between XX/XX/XXXX, to present TD has never uttered a word of their intentions, not in any of the 10 plus telephone conversations nor by email or any other electronic communication. On XX/XX/XXXX, I received a letter from TD with the explanation as to why I was denied help. On XX/XX/XXXX, I phoned TD and again explained my situation and explained about my credit report and was transferred to XXXX in accounts ; Narrative 1. I again repeated my situation/frustrations 2. Explained I lost 98 % of my business revenue 3. I was XXXXXXXX and now receiving food stamps 4. I was desperately trying to save my business a. I applied and received the first round of SBA EIDL Loan for small business b. I was in the processes of the increase request c. SBA delays and I was 000.000.1 % away from completion and getting the funds I need to save my business d. Because TD reported me as delinquent my score dropped which could very well impact my application as SBA has a score guideline and use XXXX to access eligibility e. I asked to him to remove the negative from my credit report and quoted the amended CARE ACT, amended on XX/XX/XXXX and asked if TD adhered to that, he failed to answer and instead responded with it is policy to report delinquent accounts, ( I asked approximately 5-6 times for TD to remove it, he continued to repeat the same, we report delinquent accounts f. I had requested e-statements via the online portal ( urgent ) and received an email confirming complete, yet no statements attached or accessible via the portal. He committed to mailing them to me. g. I asked for copies of all my phone calls from XX/XX/XXXX to present, he told me it is policy not to release them to the public and when I asked for where I could find that information in the XXXX & XXXX he told me its in my original financial agreement. I let him know I had it and asked what section he was referring to. He put me on hold and apologized as he misspoke and its not in the XXXX & XXXX but still a policy h. When asked if he could confirm our conversation via email, he refused I receive on average ( 3 ) collection calls from TD per day and an estimated ( 2-3 ) hang up calls per week since the beginning of this. During one of the many phone conversations, I expressed that I had been waiting since XX/XX/XXXX for someone to get back to me and had my phone glued to myself in anticipation and was ready to proceed. The agent told me those calls were XXXX XXXX. I have disputed the delinquency with XXXX and am in the process of filing a dispute with the rest. In addition, I have utilized the messaging option on the online portal to request the following. 1. E-Statements from opening the account to present 2. Without Prejudice, demanding they remove the delinquency Post Hast based on the facts, amended law/s under the COVID-19 Pandemic, along with a host of other NC and Federal Laws and have received confirmation emails each enquire has been completed, with no further information how I can access it and or their response to my concerns I am in the process and or waiting for the following information ; 1. My mobile phone call logs 2. Statements 3. Written, verbal and or electronic response to my email messages 4. Copies of my calls to and from TD I received a collection call today, spoke with XXXX, very nice and again reiterated the same thing and she couldnt stop apologizing and saying things like oh my, unbelievable, Im speechless whilst she tried so hard to make it right and light, the matter remains unresolved. TD Bank has caused me extreme mental and physical distress beyond my ability to cope without being heavily medicated and even then its difficult. TD has caused me XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a host of other ailments that are having a serious and adverse effect on my life, situation and well being. TD Bank has broken me, my spirit and at times my will to live, and the last time I felt that way was in XXXX when I attempted to take my life and was in a coma for two days. Please make note I have every written document, screen shot, text messages, etc. regarding ALL the above. Many thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
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: This account is inaccurately and erroneously reported. I want to request for an investigation of this account. NORDSTM/TD ***** Opened date : XX/XX/17 XXXX {$390.00} I would like you to review this reported account. This was undoubtedly placed as charged-off account, yet there is a balance indicating on the statement. There must be a payment history that would show a past due of 120 days for this account. You are reporting mistaken information on this account. Reports should be 100 % accurate based on the Fair Credit Billing Act. Any erroneous information about this account should be removed immediately unless verified.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Scammer contacted me by email about a job opportunity as a personal assistant/payroll clerk. I accepted and for the first assignment, he wanted me to deposit a check that he sent me through mail that contained {$3800.00}. I deposited in my bank account and he wanted me to withdraw it in the form of a cashier 's check to transfer it to a XXXX XXXX account that he gave me. He said he was going to pay me for doing the job but instead, the next day the check that I deposited came back as fake and I had to pay {$3800.00} for it.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 1- On XX/XX/XXXX transaction amount of {$330.00} at XXXX XXXX 2- On XX/XX/XXXX transaction amount {$140.00} at XXXX XXXX # XXXX 3- On XX/XX/XXXX transaction amount {$14.00} at XXXX XXXX # 12 On XX/XX/XXXX I noticed these fraudulent transactions and reported these fraudulent transactions to TD Bank Ph. # XXXX, got my card blocked .I was told the complaint would be investigated On XXXX I received a letter dated XXXX, showing my complaint as case # XXXX from Dispute Resolution Department of TDBank stating that chip was used for these transactions and since the card was with me all the time, they could do nothing about it and that I was responsible for payment of these transactions. I called TD Bank # XXXX on XXXX and contested the decision.I assured the Bank time and again that the card was with me all the time and I had never made the three transactions. I was told that they would open this matter again for investigation which would take 60 days. On on XXXX, I noticed a late fee levied for these transactions.I called Dispute Resolution Department on XXXX again and reported the matter.I was told that my complaint on XXXX was not showing on their system and no action had been taken.My call was transferred to customer service, from customer service I was transferred to Credit card services and then back to Dispute resolution department where I was again told that chip had been used and since I had stated card was with me all the time I was responsible for these transactions. On XXXX I sent emails to XXXX and XXXX about this matter and that I was being held responsible for these fraudulent transactions and forced to pay.This email was forwarded to Chairmans Service center for TDBank.I received a call from this office from # XXXX on XXXX and was informed that they will look into the matter. On XXXX I received a call from Chairman Service center, ph # XXXX Informing me again that since chip has been used I am responsible for these transactions In spite of my repeated statements that I had never made these transactions nor anybody else did it on my behalf and the card was all the time with me, the bank refused to accept my statement and I was repeatedly told since I was in possession of the card I was responsible for these fraudulent transactions.I told them that my Bank profile information/ID could have been compromised in the bank, card made and used to make fraudulent transactions in my account.I explained to them that I have been using this card since XX/XX/XXXX and have been paying for transactions on time and without incurring any late fee or fines. I had no other options left other than approaching CFPB to get this matter solved.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2021, I opened online a " Beyond Checking '' account with TD Bank. On XX/XX/2021, I opened online a " Beyond Savings '' account with TD Bank. TD Bank promised that, if I had and maintained at least {$2500.00} in qualifying direct deposits within 60 days of opening the " Beyond Checking '' account, I would earn, among other things, {$300.00}. TD promised that, if I deposited {$20000.00} or more in new money within 20 days of opening the " Beyond Savings '' account, I would earn, among other things, {$200.00}. I satisfied all these requirements for the " Beyond Checking '' and " Beyond Savings '' accounts for more than 140 days, but TD has not paid me either {$300.00} for the " Beyond Checking '' account or {$200.00} for the " Beyond Savings '' account. I have called TD 's Customer Service office multiple times, and have been told that I qualified for the {$300.00} and {$200.00} bonuses, and that I would hear back from TD Bank, but TD Bank continues not to make these payments to me.
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An online checking account was opened with TDbank using my social security number.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: After 2 consecutive complaints about excessive overdraft fees that have been unlawfully charged to my account. Td bank still charging me a fees over the fees that overdrawn my account tremendously. Each time I called them I explained them that I wire the money before XXXX pm the same day and they keep treating me like a nobody and refuse to help me out. Im XXXX person with XXXX and XXXX XXXX XXXX and this situation put my health at risk. An amount of {$450.00} charged to my account in 2 days is so unlawful in regard of the consumer overdraft protection act that state to be charged 1 overdraft fees a months and 5 over the year. I never enrolled on any overdraft protection agreement with td bank.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: -again and again more overdraft fees in my account even the funds are available and deposited before XXXX XXXX like their representatives told to do. I called Customer service to sort this problems out but they always refuse to do so. This is the second time I write this issues to consumer bureau about excessive overdraft fees with TD Bank. The funds are always available before XXXX XXXX in my account. There is a class action lawsuit against them but they dont want to learn from their experience.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Someone illegally deposited checks into my TD account and my account was flagged and then closed. Now I am unable to open an account with this bank or any other bank for that matter.
Company Response:
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I was lied to on three different occasions. The first time a fake supervisor told me I'd receive my replacement debit card no later than Wednesday Nothing came. then spoke to a girl who promised me I would get my card on Monday. No card came in the mail. Next I called in and spoke with a real supervisor who informed me the card HAD NOT EVEN BEEN MAILED OUT!. Claims they can't overnight it because of XXXX which is a bunch of bull. I get overnighted prescriptions, and merchandise without a problem. THIS HAS COST ME ONLINE ACCOUNTS THAT HAVE CANCELED ME! They just tell you lies that they think you want to hear. Today I talked to a woman and it's going to be another 5 days! I am XXXX, XXXX and without transportation. I depend on having this card and not misinformation. HASN'T EVEN BEEN MAILED OUT YET! Unbelievable! I CAN'T WAIT TO LEAVE TD BANK!
Company Response:
State: VA
Zip: 22182
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A