Date Received: 2022-01-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2021 received a credit card from TD bank .I did not request this credit card.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TD Bank is still holding the funds on a check that my daughter deposited on XX/XX/XXXX and which has cleared the makers bank on XX/XX/XXXX. Both XXXX and I have excellent credit we have both never bounced a single check in our lives and that also goes for the maker of the {$2000.00} check she deposited on XXXX XXXX who is my father who has never bounced a check in the XXXX XXXX hes been alive. When I called the contact center the first person I spoke with I believe his name was XXXX told me that the reason for this extended hold was that XXXX was randomly selected much the same way potential terrorists get randomly selected for screening at the airport. Because this made absolutely no sense especially given that Ive been working as a XXXX XXXX for 26 years, I requested to be transferred to a supervisor. That supervisor who I believe was named XXXX assured me that the representative I spoke with had provided me with miss information and that my daughters account was not randomly selected for the special hold. Instead she told me that TD Bank had reason to believe that this check which cleared my fathers bank account on XX/XX/XXXX was uncollectible. She apologized for the inconvenience and transferred me to XXXX in the fraud department. XXXX stated the same thing however she mentioned that she would put through a release of the hold that she hoped would be processed by Sunday, XX/XX/XXXX. As I write this at XXXX on XXXX XXXXXX/XX/XXXX the hold remains on this account. I would like to know why my daughters account that I am joint with has been singled out for an exception hold that is going on seven days. I would like an explanation of what information was used to make this decision. I would also like an explanation as to how this hold which we were not informed of at the time of the deposit is in compliance with regulation cc. This account has an average balance of {$20000.00} and my daughter was traveling this past weekend. If she had relied on that deposit you wouldve stranded her during her travels I have zero faith left in TD Bank and I will instruct XXXX to find a financial institution that does not treat her like a common criminal. The same maker wrote XXXX a check off the same account for XXXX in XX/XX/XXXX and it cleared then too.
Company Response:
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: Check cashing place is sharing my financial information federal and state with telemarketing. Fraudulent td bank account. Took my stimulus payment.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2021 I received a package from TD bank. I do not have a TD Bank account so I called their customer service and they confirmed that an account was opened, they immediately closed the account and reported the fraud.
Company Response:
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had tried to recover funds sent to a merchant who has failed to provide me with items/ products... I filled 2 disputes and submitted evidence of 22 pages, containing murderous statements from the merchant and threats to my life if I tried to get my money back... He sent me tattoo photos of his body of XXXX like XXXX or XXXX and others .... all of which td bank knows.. So their reply after closing it twice is I should deal with the merchant HERE IS WHERE THE BANK MADE ERRORS they are suppose to send me a letter but instead took XXXX ut on the XXXX of dec.. a day after my bday... they took my bday money my father just sent me They never alerted me that they would remove the funds and they closed the case. They never sent a letter stating their choice or the outcome of a dispute ON MY ACCOUNT... They called the cops on my after I said they must be okay with XXXX since they want me to visit a XXXX to get my money back and that the bank is being negligence by not keeping me into the mix with a dispute If they closed it in XXXX and XXXX due to not enough information then why didnt they reach out to ask They said they would call Hey never do I have to call to request a call back Horrible service and the government should get the recording You'd hear how much suffering this bank has caused me I had felt like a fugitive for having been a victim of a scam and my bank is turning their back and not taking responsibility to help me fight this other TD customer for my money back It is federally illegal to charge consumers for products/ services NOT provided I wrote this 2 times by hand to them. The individual also told me on the phone from td that the federal laws do not apply to me... she is willing to deny me my civil rights
Company Response:
State: NJ
Zip: 08050
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company is adding payments to a charge off each month and has not disclosed the purpose of the additional amounts or provided statements explaining the amounts. Furthermore, a judge dismissed a warrant in debt in XXXX of 2019 as it was determined this debt does not belong to me. I have disputed the account with the credit bearous several times and it continues to come back verified or updated. This is a violation of fair credit reporting. I have the court documents but can not upload on this page for some reason.
Company Response:
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Credit limit wont be increased. Credit limit was actually decreased in 2019. Limit went from {$2500.00} to {$300.00} with a random credit pull and lack of utilization.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Last week I made a phone call to the fraudulent department for target and got a hold with one of the representative. He explained me to go to a site to report this store credit card. I got hit in my credit score with this name call TD BANK USA/TARGET C. The guy is sending me a letter to sign and send back.
Company Response:
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am a woman owned automotive repair company. I am here by myself. I hire people to work per day. For some reason, TD bank will not give my financial partner snd I separate usernames for online and we keep getting locked out of our account. One month i see a charge from XXXX XXXX. Knowing ive only uses that like once a long time ago, I call to inquire. Turns out there are many small transactions in total of 1300 dollars. I am sick to my stomach but td says they will look into it and as long as it wasnt me, everything would be fine. Fast forward a few weeks I am attempting to make a business purchase and my card is declined. They reversed the credit with no reason or letter or warning. Then the overdrafts start. i tried to call them snd go to the branch they do nothing but argue with me. Ive heard TD does not have their customers backs when they get scammed. I dont have time to chase a huge corporation like this, it isnt fair.
Company Response:
State: NY
Zip: 11735
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
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: On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being TD bank 's erroneous " 30 days late '' reporting to my credit report. Per my prior CFPB prior TD bank complaint # XXXX, TD bank resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A