Date Received: 2023-11-08
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: After having a checking account with TD Bank for several years, I opened a credit card in XXXX of XXXX. I received the credit card ending in the mail in XX/XX/2023. Using the mobile banking app, I added identified myself as an " authorized user '' on the credit card account in XX/XX/2023. Without my knowledge, this triggered the bank to issue a second credit card, which was sent to my address without notification. Because I was not expecting a second card, I threw the envelope away, and it was stolen. I do not know the full number of the stolen card. Throughout XX/XX/2023, this second credit card ending in was used in a series of unauthorized purchases for a total amount of {$3500.00}. I continued making payments on my card and only became aware of the unauthorized charges in late XXXX after realizing that my balance was significantly higher than expected. On my banking site & app, there is no way to distinguish purchases by the card that was used. I saw the fraudulent card when I downloaded PDF statement. I initiated a fraud investigation with TD Bank on XX/XX/XXXX. At the time, TD Bank informed me that the investigation could take up to two billing cycles. Instead, the investigation was complete in only two weeks, and I received a rebill on XX/XX/XXXX. The rebill identified a combination of charges on both credit cards as fraudulent, despite the fact that all charges on the first card were authorized. I contacted TD Bank Customer Service but was informed that they did not have sufficient information to answer my questions. Customer Service escalated my questions to the Investigations Team and told me they would call within 5 days. Since then, I have called Customer Service weekly and have sent a fax to the Investigations Team to provide them with more information, but I did not receive any form of communication from the Investigations Team for over three weeks. The Customer Support team then filed a complaint with the chairman of the board on XX/XX/XXXX. On XX/XX/XXXX, I received a call from the chairman of the board 's team. I was informed that the decision ( the rebill ) stands, and I am responsible for paying all charges to my account, from both cards. On XX/XX/XXXX, I received a call from the Investigations agent, who informed me that she was not even aware that there were two cards associated with the account. The agent informed me that I should have been directed to the Credit Card Team to begin with. Late fees continue to accumulate on my credit account, but as of today, I have already paid {$4000.00}. During the month of XXXX, I was only responsible for {$810.00} in authorized charges made using the first credit card. I have therefore paid almost {$3500.00} toward unauthorized charges made using the second card. On XX/XX/XXXX, I received my first call from Collections at TD Bank.
Company Response:
State: MA
Zip: 02135
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: It has come to my attention that these companies have accounts open under my name and I have no knowledge of this. I do not recall applying for credit with these companies ever before. Either I have been mistaken for someone else or this credit was the result of some fraud. These companies were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts were all opened this year of XXXX Credit lines opened from {$200.00} to {$500.00}
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: ON XXXX XXXX XXXX XXXX NOTICED MY TD BANK ACCOUNT WAS DISCONNECT FROM MY EXPERIAN ACCOUNT WITH-OUT MY PERMISSION, I IMMEDIATELY CALLED TD BANK SPOKE WITH THEIR REPRESENTATIVE AN EXPLAINED MY SITUATION, TD BANK WOULD NOT RESOLVE MY PROBLEM OF RECONNECTING ME TO MY EXPERIAN ACCOUNT. I NEED HELP WITH THIS PROBLEM IT HAPPENS EVERY OTHER MONTH!
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: TD bank sent me an email offer that advertised a XXXX XXXX on their signature savings account. I stupidly jumped on it. I changed my convenience savings account into a signature savings account. But after the transfer has been made they are saying that I get .05 % intrest and I will be charged {$15.00} fee monthly. I asked to put my account back to a convenience savings account. back to before. But they can not do that because those savings account no longer exists. It is a bait and switch. and what is the point of paying a monthly fee for XXXX intrest. I do not make alot of money. infact It has been a tough few years. Getting robbed by my bank is so incredibly frustrating it is hard to put in words. And why these actions by banks, airlines, landlords the list goes on, is allowed. I want my bank account back to what it was or I want a XXXX APY with no fees. on my money. My parents claim they got 10 % intrest on their savings account in the XXXX. I keep voting for a better world and easier one to have a family. I don't see it.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was alerted by XXXX XXXX XXXX that I had a new TDBank/Target credit card dated XX/XX/23. I did not request such a card. When I talked to TDBank/Target, they had the correct social security number and birthdate but old drivers license and phone number data ( XXXX XXXX XXXX ). I contact the bank and XXXX and notified by local police.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I received a text message alerting me to a fraudulent charge on my account. I called the bank nd spoke with a customer service representative who cancelled my debit card but said that they could not cancel the charge. The fraudulent charge was XXXX to XXXX- I do not have XXXX. I went to my local branch the next day where they issued me a new debit card and told me that because the charges were " pending '', they couldn't do anything to stop the payment from coming through and that I would have to wait for the charges to clear my account before they could even take a claim for the fraudulent charge. It took until XX/XX/XXXX for the charges to clear my account and then they would issue a " credit '' to my account for the amount in question, during which the bank charged me an overdraft fee - granted, they did credit the {$35.00} back to me, but I shouldn't have been charged any overdraft fees to begin with as I had already verified that the {$490.00} was a fraudulent charge. Today, XX/XX/XXXX, I went back to my local branch and they said that they would file the claim and then proceeded to tell me that I would receive a credit to my account within 5-7 business days for the {$490.00} - so they let someone steal 95 % of my paycheck and allowed my account to go into the negative despite my requests for service AND I still don't have MY money - money that I earned and that they were supposed to keep safe. I am not asking for anything but the money that I earned.
Company Response:
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Due to multiple attempts to login last month and again this month the TD Bank Target RedCard system errantly ( because it is not programmed appropriately ) forced my on time payment last month to post a day later resulting in a {$30.00} late fee which I adamantly disagree with! I tried to pay my bill yesterday to avoid this same issue and suffered a XXXX XXXX XXXXXXXX fiasco that resulted in me changing my password and trying to log in from at least XXXX different browsers before I was finally able to login and pay my bloated double the amount minimum monthly payment. The fact that this almost happened again really XXXX me off because I absolutely do not want to deal with you again about anything like this. You are the only one this terrible on issues like this. This issue for XXXX further proves that I am right and that I need to have that {$30.00} late fee from XXXX reversed! I PAID MY BILL AND I PAID IT ON TIME!! You absolutely should not penalize and mistreat your credit customers who are and who are trying to pay their bill!!!!!!!!!!!!!!!!!
Company Response:
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX, I purchased a large farm mower from XXXX XXXX. Approximately {$11000.00} was financed with XXXX interest for 48 months, through TD XXXX XXXX XXXX. After 2 years of regular monthly principal payments, a payment happened to be due on a banking holiday. Our bank 's online bill payment service sent the electronic payment through on the business day immediately following. Unknown to us ( because the principal payment was made automatically by our bank each month ), a late fee was charged to the account, and then another one was charged the following month, not for the principal payment on the purchase, but on the late fee which remained unpaid. We contested this strongly with the creditor since it is an accepted policy stated on this web site that such an act is predatory XXXX XXXX XXXX XXXX ). We also approached XXXX XXXX, and even asked our bank to get involved since they were in charge of the transfer of funds on the business day after. TD RCS refused to remove the fees, and instead kept adding more fees for each month they weren't paid. All the while, we were making principal payments to our purchase as scheduled. After about 6 months of repeated calls to the creditor, we paid the full principal balance and closed the account. At this point the fees were up to {$290.00} and listed on our bill under late fees. One month after closure, the creditor transferred the {$290.00} balance to the principal column and continued to bill us as if we had made a new purchase, also adding a new late fee each month. Letters were sent and calls were made to no avail. Eventually we stopped receiving bills. Several months later a debt collector contacted us, attempting to collect {$440.00}, which had now accumulated in response to that one banking holiday. When I explained the situation and forwarded the letter that I had provided to the creditor months before, the debt collector ceased all attempts to collect. We thought that was the end of it as it was over 2 years ago and over a year after the account was closed ( bank holiday in fall of XXXX, account closed XX/XX/XXXX, debt collection XX/XX/XXXX ). Fast forward to XXXX when my credit is checked for a pending real estate purchase, and this {$440.00} is still showing on my credit report as a bad debt. Given that I paid the principal balance well before the end of the XXXX interest terms, I owe XXXX debt to TD RCS. I have disputed with all XXXX credit bureaus and been turned down by all XXXX in spite of XXXX pages of documentation on this issue. TD XXXX continues to lie about their predatory practices even when presented with evidence provided by me to the credit reporting agencies. In addition, the dates are incorrect on the credit reports, meaning the " charge-off '' will not disappear in XXXX but in XXXX ( or later, if they continue to report it as current ). Untold damage has been done to my credit for something which was not even a mistake, but a normal banking practice.
Company Response:
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: TD Auto Bank is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Account paid in full monthly on time. Purchased air conditioner on Target Red MasterCard and paid in full before due. Payment was over {$10000.00}, and that is reason they must put hold on my credit card? Ive spoken to my bank ( XXXX XXXX, ) and they released funds XX/XX/31 ; day after payment was made to Target Card Service. My credit card had been denied for no reason and WITHOUT notification causing hardship and embarrassment. Completely unacceptable.
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A