Date Received: 2021-12-07
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: I bought a XXXX XXXX in XXXX. In XXXX, I had problems paying the note. The original loan holder sold my debt to a debt collector. Isn't it against the law for a finance company to give your social security, name, address and loan information to another party without your permission?
Company Response:
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: TD Bank regularly advertises promotional offers to prospective new clients who wish to open a new checking or savings account. These promotional offers include a cash bonus that is deposited into the client 's account after certain requirements are met. One of TD 's websites used to advertise these promotions can be found at URL : XXXX. I discovered this particular web page in XXXX XXXX 2021 after conducting a XXXX search for the phrase " best bank account bonuses 2021 ''. One of the top results from this XXXX search is XXXX, a financial services company that provides banking and credit card information and advice to consumers. After browsing this webpage, I eventually found my way to the following URL : XXXX XXXX XXXX On this webpage is a thorough description of the promotional offer that TD Bank was offering at the time ( in XXXX of 2021 ) and also a DIRECT link to TD 's actual offer page ( see the phrase 'Direct link to offer ' - which is hyperlinked ). Once I clicked this hyperlink, it took me to XXXX. ( Still to this day, the link points to XXXX ) I very carefully read all of the information displayed on the URL XXXX, including the 'Disclosures ' section at the bottom of this page. To be safe, I also printed a copy of the webpage on XX/XX/2021, right before I began the application process by clicking the 'Open Accounts ' button on this page. I have uploaded a copy of the webpage printout to this complaint. You will see that the URL and the date is included in the printout. You will also see the full extent of the Disclosures section and you will that there is absolutely no mention of the offer being available only to recipients of a special email or mailer. I finished/completed the application process to open a 'TD Beyond Checking " account and a 'TD Beyond Savings ' account on URL XXXX on XX/XX/2021. In the days subsequent to this, I funded the accounts and proceeded to satisfy each of the requirements listed in the Disclosures section in order to receive the bonus. On XX/XX/2021, I called the TD Bank corporate telephone number at XXXX shortly after providing initial funding of the accounts. I spoke to representative XXXX. I specifically asked XXXX if I was on track to receive the advertised bonus. XXXX advised : 'As far as you being on track to receive the cash bonus ... .you are. '' At no point did XXXX indicate that I was not qualified to receive the promotion bonus. She also did not mention anything about a wrong URL or a special invitation mailer or email that was required in conjunction with the promotional offer that I was applying for. I have a complete recording of this phone conversation that took place on XX/XX/2021. Throughout the following months, I proceeded to meet all of the remaining requirements described in the Disclosures section of URL XXXX. Then in late XXXX of 2021, I checked the status of my TD bank accounts using TD 's online consumer banking portal. I immediately noticed that the bonus had not been deposited, despite my expectation that the bonus would have been deposited by then, since I appeared to have met all of the necessary requirements. I then called the corporate number at XXXX again and this time spoke to representative XXXX. During this conversation on XX/XX/2021, XXXX was the first of several TD reps to mention the existence of a mysterious 'mailer ' program with an alternate URL address that allegedly prevented me from receiving the bonus. Ultimately, XXXX concluded that it was not entirely clear why the bonus had not been deposited, so she said she will send an internal email to the 'Promotions ' department to inquire. This began a nearly XXXX episode of nearly a dozen follow-up phone calls to TD, only to be repeatedly told that I don't qualify for the bonus and the only explanation why I didn't qualify is that I applied while 'using the wrong website '. I spoke to TD reps on the following dates : XX/XX/2021 ( corporate ) XX/XX/2021 ( local branch ) XX/XX/2021 ( local branch ) XX/XX/2021 ( local branch AND corporate ) XX/XX/2021 ( corporate ) XX/XX/2021 ( corporate ) XX/XX/2021 ( corporate ) XX/XX/2021 ( corporate ) XX/XX/2021 ( corporate ) The common theme of each of these phone calls was that the reps I spoke to would indicate that I *should* qualify for the bonus, but that the decision was ultimately up to the Promotions Department XXXX The only option for the reps was to email the Promotions Dept and ask for clarification, which the Promotions Dept never provided. I asked if I could speak directly to a member of the Promotions Dept and was told 'no, they don't have an inbound phone # '. I then repeatedly asked the reps to ask the Promotions Dept that if the URL I visited ( XXXX ) was the 'wrong ' URL, then what is the correct URL? The Promotions Dept never answered this question and never answered my request to present evidence as to how they concluded that I went to the 'wrong ' URL. Again, they never responded, but instead simply stated that the bonus was denied for using wrong URL. I have complete recordings of each of these phone conversations as well. I believe that, at best, TD bank committed a clerical error in determining which website I used to apply for these accounts. At worst, I believe they are maliciously hiding/distorting facts to avoid having to pay out this bonus. I at least have some limited evidence as to my version of events. So far, TD has provided absolutely NO evidence to back their claims.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Having run credit and charge card operations for XXXX for 18 years with a good understanding of payment processing, it appears TD Retail Card Services has some serious operational problems. This TD account is only for the payment of $ XXXX for a XXXX phone . I set up automatic payments via my XXXX XXXX XXXX XXXX process to be paid 5 days before the due date ( the XXXX of the month ). I received a letter dated XX/XX/2021 stating that my account was past due. Upon reviewing my XXXX account online, I discovered that TD posted my XXXX payment one day late, despite the previous XXXX payments being posted early or on time. Since I was not notified of this until XX/XX/2021, I called TDs customer service and spoke with three representatives on the phone over 90 minutes on XX/XX/2021 ( no one seemed to know what to do ) and explained that in over 20 years and hundreds of payments from XXXX XXXX XXXX XXXX, I had never had a single payment received late by any of the recipients. While I can verify that the payment was in fact sent on time, I was told by TD that they could not verify receipt, only when the payment was posted. By default, TD is assuming the payment wasnt sent on time when I have proven it was. In addition, when I contacted TD customer service XX/XX/2021 by phone I was told the initial late fee would be credited ( which has not been done to date ) and upper management would have to approve the second late fee ( for XXXX ). I sent an email to upper management ( no persons name was provided to me ) on XX/XX/2021 and received a response on XX/XX/2021 indicating that no credit of any late fees would be made. I then sent a letter to TD upper management, the Texas Attorney General, and XXXX on XX/XX/2021 requesting clarification as to why they didn't process the credit their representative said they would. While I received a response to my XX/XX/2021 letter from the Texas XXXX XXXX XXXX ( Complaint No. : XXXX ) I have yet to receive a response from TD. However, this past weekend, I discovered that TD Retail Card Services has now damaged my credit rating by reporting me delinquent to the credit bureaus. In addition, I have discovered that my XXXX payment delivered to TD XX/XX/XXXX and a payment to pay off the remaining balance ( ex. erroneous late fees ) delivered XX/XX/XXXX, as of today ( XX/XX/XXXX ), have not been credited to my account or presented to my bank for payment. I find it appalling and indicative of deceptive trade practices that TD said they would credit the initial late fee ( which has triggered subsequent monthly late fees while waiting for them to respond to me ) and they havent. This credit arrangement was an extended term, interest free, purchase plan for a XXXX mobile phone. Im now wondering if this isnt a scam to increase profitability by manipulating the application of payments, charging late fees, and ultimately coercing consumers to pay by reporting them to the credit bureaus. I would appreciate your help in getting this resolved and, most importantly, restoring my credit rating. Thank you.
Company Response:
State: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: The following letter was sent to Office of Comptrollers on XX/XX/XXXX, XXXX They referred me to your office. I attached at the bottom the promotion sent to me XXXX XXXX XXXX XXXX, Pa XXXX Comptroller of the Currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I read your mission on the web page, and your mission is the exact service that I need. On XXXX I took a postcard I received in the mail for a bank promotion through XXXX XXXX to the XXXX, PA XXXX I showed the representative, XXXX XXXX, the postcard stating the incentive of {$200.00} for deposit of {$20000.00} in savings account for three months and {$300.00} for {$2500.00} direct deposit in 90 days, XXXX XXXX talked with the manager, XXXX, and said I qualified for the promotion. She put together the paperwork, and I signed the documents. The next day, I went over to the XXXX XXXX XXXX and veritfied with XXXX, the manager, the paperwork for the routing numbers for my unemployment checks. On XX/XX/XXXX, I stopped by the XXXX branch and asked a representative named XXXX if the branch posted my promotional money. She told me to go home and look at the promotion I had. She told me I never opened a checking account. I called the national branch and talked to a XXXX. Nobody returned a call. On XX/XX/XXXX, I called the national number and was somehow connected to XXXX from New Jersey. She said XXXX from Exceptions Department would call me back. No call I called the manager, XXXX XXXX, and he did call me back. He was professional In his handling of my frustration ; however, his support of his representative did not allow him to see my side of the situation. I told the representative what I wanted, showed her the promotional card, and provided the bank with my routing numbers and a check. It was very clear that I wanted to take advantage of the promotion. XXXX XXXX said it was not clear I wanted a checking account.he did not even work at the bank at that time. He refused to give me the {$300.00}. Also, I found it more than a coincidence that the {$200.00} for the savings account was posted on XX/XX/XXXX, the day I questioned the bank. I need an an agency that can supervise XXXX XXXX to ensure that they are operating in a safe and sound manner, make sure the bank complies with the laws and regulations, and treat customers in a fair way. I am wondering if the employees are told to only open the savings account saving the bank {$300.00}, but getting my direct deposit money. Also the coincidence of the promotion money being posted XX/XX/XXXX. I have enclosed a copy of the promotional card. If there is anything else that I can provide you in your investigation of this bank, and in particular, this XXXX, PA branch Sincerely, XXXX. XXXX XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : TD BANK XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Company Response:
State: NV
Zip: 89701
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TD BANK XXXX/TARGET CREDIT & BAL . {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I authorized a single payment to the credit card institution on XX/XX/2021 and the credit card institution drafted my account twice without authorization. When I called the representative said that the company was aware of the error that affected multiple customers but offered no resolution at the time of the call.
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a soldier in the United states XXXX and was deployed. While deployed got XXXX snd was sent back to XXXX. upon returning I realized my td bank card and XXXX cards wee missing. I dont remember if I took them with me on deployment or not but while deployed we used a different card called an XXXX XXXX XXXX which can not be used for fraudulent activities because it doesn't have any card numbers on it. Our money gets loaded on the cars. I contacted td bank and filed a claim and so contacted XXXX to file a claim. They did the investigation and said they couldn't find fraudulent activity. Yet the amount of money I lost was a huge amount of money that I need to be replaced. I am highly disappointed in XXXX ans td bank as I have been with them for a long time. I expect them to do better.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have really dropped the ball here as well as my local branch in XXXX, Florida. This is in addition to my open complaint XXXX SUBMITTED ON XX/XX/2021. Long story short, I closed my account in person with a {$0.00} balance. Over the next few days, I saw activity on the account that I didn't authorize and wasn't informed of. Suddenly they locked my entire access to the account without reason. I can not access my account online, over the phone, or in person. Their phone support puts me through to the fraud team and after an hour+ wait each time, they're not able to assist me. They have promised me a callback over 6 times but I haven't received one.
Company Response:
State: FL
Zip: 33967
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. The account is a XXXX account through TD Bank XXXX.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A