Date Received: 2022-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TD BANK USA/TARGET CREDIT XXXX XXXX XXXX XXXX MN XXXX HAS BEEN SENDING ME CHARGEOFF NOTICES IN THE AMOUNT OF $2358.00. THE CHARGEOFF HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: To whom it may concern, I hope this email finds you well. I would like to resolve this issue and get my promotional offer of {$300.00} as TD Bank promised. I am escalating this matter because customer service couldn't help. Unfortunately, TD did this same thing to my husband as well. They always trick customers. It's unacceptable! They don't care about your customers. If we don't go for a resolution, we will never ever use TD bank again and I will tell this to our friends and family as well. They all should avoid their services if you don't care about your customers. We were even thinking to bring our investments and IRAs to TD XXXX portal but now we are not happy with this situation at all. I opened the bonus offer via your website and it was saying {$300.00} bonus. via this link : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX There was nothing about XXXX XXXX Mail ' campaign on the link even in the blueprint. And this time we read the blueprint in detail 3 times. We always open different bank accounts with different banks and we never had any issues like this with another bank! They are always click-baiting new customers! We gave them a second chance and this time we read all the blueprints did the right things. This is awful! They should do some empathy and see this from their customer 's side. They literally betrayed us. They just care about a new customer 's direct deposit and they're not loyal to their words and promotions. It's very frustrating. They just care about our money, not your customers as they said on your PR and quotes. Please do your best to resolve this unprecedented treatment to your customer. I completed all of the required steps as you requested. I do demand my {$300.00} bonus as you promised. Please send the bonus via snail mail to my address Thank you for understanding. Please accept my rage and frustration on this matter. Best regards,
Company Response:
State: MA
Zip: 02180
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: To Whom It May Concern, I hope this email finds you well. In the XXXX XXXX I received a promotional snail mail from TD Bank. Then, I used TD Bank 's website for the promotion : checking & savings account bonus for {$500.00}. I applied it then I sent a secure message to customer service to confirm my eligibility before I deposit any funds and set up direct deposits. I got a reply from XXXX ( XXXX XXXX XXXX XXXX ) with a confirmation message and the deposit requirements as you mentioned. You can see our secure messages and transactions & statements in the attachments. I completed all of the steps & requirements within 3-4 months. After 4 months, she told me that I am not eligible for the bonus anymore but TD bank sent me the promotion via snail mail first and I double-checked with customer service to confirm my eligibility before I do any deposits. I always do this. This is a serious click-bait scene. If I wasn't eligible, you'd have told me in the first message before I do my deposits. There is a serious unethical non-customer-friendly practice right there. Otherwise, I'd close my account without depositing a penny or keep it as a regular checking account. Excuse my language but, they made me feel like a stupid customer. Personally, It was quite insulting. You also cut a lot of maintenance fees from my account instead of giving the bonus. I paid the fees for sure... I'd like to get my {$300.00} checking and {$200.00} savings bonus ( totaling {$500.00} ) promotion to cover my losses and dignity. I tried to resolve this issue with customer service but we got no response at all. I tried to get help from Massachusetts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but she never heard back from TD Bank as well. In the meantime, You did a similar click-bait to my wife as well with no bonus at the end. We wanted to give TD Bank another chance but TD bank betrayed us again. We are working with a lot of banks, investment & wealth management corporations, and brokers. We always receive our bonus for security transfers, direct deposits, savings accounts, etc. In the end, they never did what TD did. Unfortunately, this clarifies TD Bank 's unfair business practices with these bonus offerings to gain ( or click-bait ) new customers. TD Bank should avoid these unfair business practices. Please understand my great frustration! Thank you for your time and consideration. You will see the bank statements and my confirmation messages as PDF attachments. Sincerely
Company Response:
State: MA
Zip: 02180
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A checking account was fraudulently opened with TD Bank without my authorization using my personal information. I called the bank and reported the fraud. They said they would investigate it and issue a letter to me about the account and close it. They have done neither, as i still get statements in the mail. I have written to them to advise of the fraud and asked them to close the account. I received a new bank statement as of the day i write this.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied to open a small business checking account with TD Bank in XX/XX/2021. Application Confirmation Number was XXXX. On XX/XX/2021, I received a text thanking me for my application and informing me that TD Bank was " unable to open a business deposit account at this time ''. I think TD owes the customer a more precise explanation as to why the customer is being, essentially, rejected, in lieu of the customary, pointless apology concerning 'inconvenience '.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: It is not my intention to refused to pay or to avoid paying any lawful debt I may owe to TD BANK USA/TARGET CREDIT ( TARGET ), but since TARGET has ignored and refused to comply with my written request to substantiate its claims that I, XXXX XXXX owe money or ever owe money to TARGET on this alleged account # XXXX at issue. Im forced to make this good faith complaint and seek the aid of the CFPB to make TARGET comply, with its statutory duties under Federal Law ( FCRA ) to provide me with hard and substantial evidence that Im legally liable for this alleged debt, so I can promptly pay it. Is undisputed that TARGET has received my written letters via XXXX certified mail as well as the XXXX XXXX. Unfortunately, TARGET has neither provided me with any substantial evidence that support its claim or even respond to my written debt verification requests on this account # XXXX, currently reported by TARGET, with the XXXX, and YET, TARGET has verified its accuracy and completeness of its tradeline more than once, within the last year with the XXXX in violation of my rights under FCRA. TARGET has untruthfully verified the accuracy of its unverified, erroneous, incorrect innacurate and incomplete data information reported to the NCRAs in my credit file, in detriment of my XXXX score and my credit history. To the best of my recollection, I have never filled out or submit any application for a credit with TARGET on or about XX/XX/XXXX, nor I have never used any credit card or ever had any actual and valid credit card with a credit limit of {$300.00} with TARGET or have any personal debt contract or agreement with TARGET since XX/XX/XXXX, under account # XXXX. Additionally, I dont recall ever receiving any monthly statements or ever made any payment to TARGET on or after XX/XX/XXXX, on this alleged account # XXXX. TARGET, please provide the following information : 1. A true correct and complete Copy of the original contract or/and application showing the date and terms of the agreement with my signature 2. All documents signed by me proving the amount of obligation 3. Copies of checks, statements and Documented proof that this is my obligation. 4. Full and complete payment history specifically the alleged payments I, XXXX XXXX allegedly made from XXXX XXXX thru XX/XX/XXXX. XXXX on account # XXXX. 5. Evidence of the way or form in which each of these payments was made on this account. Since XX/XX/XXXX, I have sending dispute letters, challenging TARGET legal rights, interest, or authority to report any negative derogatory information in my credit file with any of the XXXX ) XXXX, XXXX XXXX XXXX. TARGET has included but not limited failed to flag this alleged debt account DISPUTED as required by Federal Law, under FCRA. Due to TARGET failure to comply with my request and untimely response for verification of the debt, TARGET is statutory obligated to electronically submit deletion of its tradeline from the main credit reporting agencies TARGET report to. XXXX : Conf. Results # : XXXX XX/XX/XXXX Completed XX/XX/XXXX XXXX : Conf. Results # : XXXX XX/XX/XXXX Completed XX/XX/XXXX XXXX : Conf. Results # : XXXX XX/XX/XXXX Completed XX/XX/XXXX XXXX : XX/XX/XXXX, Investigations Results Report # XXXX XXXX : XX/XX/XXXX, Investigations Results Report # XXXX ( Attached ) Verification Letter sent to TARGET on XX/XX/XXXX ( no response ) ( Attached ) Verification Letter sent to TARGET on XX/XX/XXXX ( no response ) Since, XXXX XXXX, TD BANK USA/TARGET CREDIT ( TARGET ) claims that I, XXXX XXXX have an actual, valid credit or personal debt with them, under account # XXXX, by reporting it on my credit file with the XXXX THAT : I XXXX XXXX open an Installment account or apply for A SECURED LOAN or credit with TARGET on or about XXXX XXXX I XXXX XXXX , owe TARGET a balance of {$590.00} TARGET, received a last payment on this account in XX/XX/XXXX The last payment, XXXX XXXX made on this account was in XX/XX/XXXX The credit limit on this alleged account is {$300.00} The Charge off on this account is {$590.00}
Company Response:
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The following debit card transactions of withdrawn money were made without my knowledge : 1. On XX/XX/21, {$1000.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 2. On XX/XX/21, {$250.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 3. On XX/XX/21, {$1000.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 4. On XX/XX/21, {$250.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. I reported these transactions to TD Bank, at XXXX XXXX XXXX, XXXX. TD bank wrote a statement in-house.TD bank did not credit back my account.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/2021, and prior, I checked several websites for XXXX XXXX puppies as my family and I were searching for a puppy to have for the holidays. Finally, I inquired about a XXXX XXXX puppy from a web site XXXX. After providing my contact information, answering questions about my family, neighborhood, and interest in the puppy a XXXX XXXX phone # XXXX from XXXX XXXX Texas emailed me back and provided details about the puppy along with pictures of the puppy and the puppies parents. I let XXXX know I would like to proceed with purchasing the puppy. XXXX then requested I send XXXX dollars via XXXX to a XXXX XXXX at XXXX. The puppy was promised to arrive the following day XX/XX/2021. The following morning ( XX/XX/2021 ) XXXX XXXX reached via email and let me know he was going to arrange shipment of the puppy and I would receive the dog at my home around 6 PM. Later on this morning, I received an email from the supposed shipment company XXXX stating that the puppy required a crate for heat and safety if I wanted it shipped. The shipment company gave me a tracking number, three options of different crates, with different prices to rent 1,2, or 3 with a promise of refunding most of the money once the delivery and crate was returned. I picked the least expensive crate of a total of XXXX. A man named XXXX XXXX from XXXX XXXX requested I send the crate payment via XXXX to XXXX. Soon after, I was emailed that the crate 3 was not available and if I wanted the puppy shipped, I would have to pay an additional XXXX for the higher priced crate rental. At this point I realized I was being scammed. On this date XX/XX/2021, I called TD bank 3 times requesting and begging that they stop both payments to XXXX XXXX for XXXX and XXXX for XXXX. XX/XX/2021, was a Sunday and my online account showed both payments were pending. I requested TD not allow both payments to process. Each time I called, every customer service person I spoke with over the phone at TD bank said the same thing that once a payment is sent through XXXX, there is no way they can stop the payment. I was devastated. I went into a TD bank branch a few days later to speak with a bank teller and they advised me to dispute the transaction and file a police report. I waited until I received a letter from TD bank stating that my dispute for the amount of XXXX was denied due to an error not occurring. I then filed a police report on XX/XX/2021 at the XXXX Police Department.
Company Response:
State: MA
Zip: 01843
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2021 and XX/XX/2021. A person tried to apply for a credit card in my name at XXXX XXXX and also Nordstrom bank. I did not do this. I just turned XXXX. I do have an idea on who did it. I called the company and asked what can they do. They said nothin and to call the credit bureau. I called them and they said i have to pass an authentication factor to update my information. I have never made an account to have information to begin with which gives me the impression that someone already made an account. They said unless i pass the Authenticator i cant dispute the inquiries. I just turned XXXX. I dont know what to do. Ive tried to get a social change and apparently my situation isnt serious enough.
Company Response:
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Td bank credit card XXXX has called my phone three times a day in a 7 day time span They have violated Regulation F in regulation f a debt collector may call you one a week i have phone records and may bring this to federal court if my account is not reopen
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A