Date Received: 2021-12-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Back in XX/XX/2021, I notified TD Bank that I had received in the mail a package from them regarding a new checking account that was opened in my name with TD Bank of which I never opened. I told them that I would report it as fraud and they said that they would close the account, conduct an investigation, and then send me a letter upon conclusion of investigation. As of today, I havent heard from TD Bank and Ive tried everything thing from calling them and sending a letter but Im not getting a response.
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My credit score went down XXXX points due to Nordstrom taking my credit limit down {$700.00} without any notice or reason. My initial credit amount was {$2000.00}. It is now {$1300.00}. I pay on my card monthly. My account is not past due. I was given no communication therefore this extremely effected my credit utilization without notice or reason. My account is not delinquent and is current.
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: TD bank is ending in predatory banking practices including making profits from its banking customers, including me. I petition this organization to create policies and laws that help protect consumers like me. When banks become gang practicing institutions and are too greedy and selfish with regard to customer concerns, then the whole financial sector is in trouble. Please help fix this problem before millions of Americans suffer as a result of predatory banks like TD bank. I am tired of the way this bank operates. This bank is immoral and predatory in its overdraft fees practices. Please hear and help me. Please please help fix this banks overdraft fees problem before Americans like me pay hefty prices to keep this bank afloat with its evil practices of taking advantage of poor customers. Amen
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX XX/XX/21 I deposited check for XXXX. I called my bank on XX/XX/21 to see if the check was clear I was told by my bank it was. I did not touch the money until the XX/XX/21 and sent the money back at the request of the person who wrote the check. Later my bank said the check had BREACH OF WARRENTY and charged me back the XXXX. So now the person has XXXX I would like to get my money back. I would never have sent the check back but td bank told me that the check was good XX/XX/21 so I sent the check back to the company XX/XX/21. I am asking them to put my account right with the XXXX since they allowed a debit on XX/XX/21 which is way beyond the date they should have allowed to debit my account, the 5 to 7 business days had passed and the debit should have been denied. thanks
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
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 XX/XX/XXXX I got an alert saying that I missed a payment on my Target card so I called them and spoke with a rep that said he was going to reverse the late payment and the {$1.00}. He said that in 30 days to check back and the late payment should be removed along with the {$1.00}. My card was not used the actual credit limit was still on the account. I called today XX/XX/XXXX due to my report not being updated and spoke with a Rep who said that they are sorry for the mis information the {$1.00} was removed but the late payment will remain. My issue is why would the representative before tell me that the late payment can be removed because the {$1.00} was removed from the balance. I told the rep if the {$1.00} was a mistake and you guys removed it then that means the late payment is mistake to. This is hurting my credit rating, I am in the process of buying a home and I won't be able to because of Targets miscommunication.
Company Response:
State: TX
Zip: 79763
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent TD Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate this account from my credit reports as it is my father 's who died in XX/XX/2021. I have requested an investigation of this account and of any proof that this account is mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged this account so to add extra length to a debt that is not mine.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There's two compliants I would like to submit in one. The first compliant is that on XX/XX/2021, or XX/XX/2021, I purchased a ticket through XXXX to see a XXXX show in XXXX, XXXX XXXX XXXX XXXX XX/XX/2021. When I arrived to the theater at XXXXXXXX XXXX EST, two XXXX Employees, XXXX and XXXX, see images, said to me the show was cancelled. I asked them if I could go another day. They said, " No, there's no more shows for the rest of the season. See this calendar. That's it. '' I didn't believe the guys at all. I perceived they were mistreating me/discriminating against me due to someone else 's request. So, I left the lobby, not the premise. Logged into XXXX wifi, and filed a FTC.gov compliant on XXXX. Reference # XXXX. Later I emailed my bank at XXXX. Then I notified XXXX discrimination department because I flew in to NY on XX/XX/2021, via XXXX, Flight XXXX, with advance " purchased '' tickets. And I was discriminated by the XXXX XXXX XXXX XXXX XXXX ) from even showing up. They cancelled the show via email and typed REFUNDED immediately on XXXX. By XXXX, my refund was in the bank ; but that's not the case here. Here, I have not received a call from XXXX or XXXX XXXX. Now, when I log into my XXXX account, the word Can't has been REMOVED. Also, someone has changed the date on my Extended Stay XXXX XXXX ledger transaction from XXXX to XXXX. Why? It seems my TD Bank account, # XXXX, is getting tampered by someone and duplicated so that I don't see my refund. It's my account. It's a personal checking, and I don't appreciate someone trying to take over it. Everything I have purchased is with my self earned income. So, I don't understand why out of the blue " someone '' wants my account with the refund of {$97.00}. Why do they want my account and refund? And why is XXXX delaying the refund? The pictures speaks for itself. I paid airfare, hotel, and a ticket, XXXX XXXX XXXX XXXX NOT to be DENIED at the entrance. AND I was DENIED the ability to watch the XXXX show. To make matters worse, these adults don't stop picking on me in the midnight hours. That's out of my control. In conclusion, I am NOT the one initiating this REFUND. I am the one who was lied to at the entrance; Told XXXX would be refunding the money ; and that seems to be taking forever. Therefore, I'm submitting this compliant. I don't think they have any inclinations in ensuring I receive my refund. Nor have they type Refund anywhere. So, can you please have TD bank fix my account. It's mine, XXXX XXXX XXXX ; not XXXX 's, XXXX, or XXXX. Nor do I have to " share '' my ledger and activity with those people. Again, please have the online account fixed. Please close all duplicated accounts and ensure I receive my refund of {$97.00}. Thank You XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: TD AUTO FINANCE, has made it impossible for me to pay XXXX the options to do online have been disabled they are charging me fees not letting me use my bank or business account I try to call and =the hold times are over 2 hours and then they hang up they are threatening me on payment buytif I cant go online icant get f=diferment either its a company account any way please help all I want to do is pay
Company Response:
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Scammers, posing as XXXX XXXX, fooled me into sending them {$35000.00} from my TD Bank checking account leading me to believe that I had mistakenly instructed its computer to " refund '' me that money. They showed my TD bank account with that deposit and an account that now held {$76000.00}. I learned on the next business day that it had wiped out my checking account. I was left with {$150.00}. That employee did not tell me that if the transfer goes through i would be left with that amount. It would have exposed the scam if that information was shared with me. It should have. A simple bank procedure. He failed at his job and I became a victim. The bank claims that it did nothing wrong. The bank employee failed to spot that this had all the earmarks of a scam. He failed to ask me the name of the person that i am sending this money to in XXXX. The bank claims that I told the bank employee when asked why i was sending this money, the reason was " funds to family member for medical reasons. '' I should have been asked the name of this so called family member. I am not XXXX and have no relative sin XXXX. The bank claims I said verbally ( hearsay ) but did not put that writing for me to sign and no other questions were asked. No due diligence. XXXX XXXX XXXX and XXXX XXXX XXXX advocated to the bank in meetings, press conferences, TV coverage ( twice ) and correspondence to the bank 's CEO that the money should be restored. The bank responded that it would set a dangerous precedent if it restored the money it would have do the same that for all other complainants. My local bank manager exclaimed " it happens all the time! '' What does the bank do to protect its customers. Does it have an obligation? Was this employee trained to spot a scam and how to avoid? Apparently not. Please help.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have had a Target Red Card for over ( 2 ) years now. I have NEVER been late on a payment that was ( 30 ) days late. I signed up for Target Red Card e-statements, and I have NEVER received them. In XX/XX/2021 I initiated a payment for the full amount due to be processed on XX/XX/2021. Target Red Card NEVER initiated that debit from my account, they NEVER sent me an e statement, and NEVER informed me that the payment did not process. The only reason that I know the payment did not process is because I received a 30 day late on my credit reports. As soon as the 30 day late hit my credit reports, I logged in and made an additional payment and paid off the balance.
Company Response:
State: MI
Zip: 48603
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A