Date Received: 2021-11-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Checks arrived in email from TD Bank in my name and with my address. Contacted bank to complain. Each time I was connected with fraud department I was put on hold for 30 minutes or more and subsequently hung up on.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Today, XX/XX/XXXX, I checked my credit score, and saw that a Target/TD Bank account had been opened in my name. My score took a gigantic hit. I did not open a Target bank account. I believe that my father opened an account in my name and used my information to commit fraud.
Company Response:
State: PA
Zip: 18976
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
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: Account was discharged through Chapter XXXX XX/XX/XXXX but still reporting XX/XX/XXXX, XX/XX/XXXX which is reaging account over a year and should be paid current status and not derogatory. I have repeatedly tried to fix this error with all 3 bureaus and the TD Bank Target with no success.
Company Response:
State: CA
Zip: 91762
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/21, I received a package from USPS. It was addressed to me from TD Bank. It appeared to be checks, which I knew was suspicion as I do not have a TD Bank account. I opened the package and confirmed that it contained checks with my name and address but not my phone number. I immediately called TD Bank, explained that I received checks from them but didn't bank with them, and advised that the checks had my information but a suspicious phone number. I was transferred to their fraud department. The rep in the fraud department made a notation in the system, closed the account in my name and directed me to contact FTC, SSA and the 3 major credit bureaus. I made no further inquiries about the account at TD Bank as I didn't open it.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been a victim of identity theft. I opened an experian account and realized there were many accounts that were not mine. I have sent all the supporting documents and I need this account removed from my bureau.
Company Response:
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I opened a TD Bank VISA in XXXX, 2021. I requested a standard, monthly, paper bill be sent to my address. The way credit card companies have done for 40+ years. All was fine. The card worked, I received a monthly account statement, and I paid my bill. Then, by XX/XX/2021, after receiving numerous TD VISA email requests to " VIEW '' my account online, I logged on to this account to just " VIEW '' the account. Nothing else, no changes, etc. But, without warning ( or ) clear notice this TD VISA logon process ; changed the account setup ; to ONLINE BILLING only, and turned off the monthly, paper bill. And guess what? The paper bill ( s ) still kept coming for 3+ months. Very deceptive and tricky, because I had NO IDEA the account was now online billing ONLY. No paper letter clearly explaining this change to WARN the customer of billing impacts to follow. Finally, by XX/XX/2021 the paper bills stopped coming, I logged on saw a " LATE FEE '' charge, and was upset as to why there was a LATE FEE. I called TD BANK and the nice service representative said over, and over, and over that I signed up for ONLINE BILLING ONLY in XXXX of 2021. Rather than argue with them. I turned paper billing back on. Setup payment. Paid the balance in full, including the deceptive late fee, and decided to share this experience. How a credit card company can deceptively TURN OFF paper billing without clearly letting the consumer know is beyond me. In my opinion their clever online software which does this by default ( or ) automatically is illegal and they should be investigated for fraud and punished. There are probably thousands of consumers that this practice is happening to, and the VISA companies are just racking up illegal late fees.
Company Response:
State: CT
Zip: 06460
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am resolving the issue because I am financially savvy and stay on top of my finances, but I think about the individuals who are not and it shocks me this is happening in 2021. I have a Raymour and Flanagan credit card with deffered interest through TD Bank with different dates that expire for different purchases. I have made a number of additional payments to avoid the deffered interest for the purchase that expires in XX/XX/XXXX and it is not applied to that balance but the one that expires in 3 years. You can not make a payment on their website directly to the deferred balance that expires in the near future, you have to call. The hoops to jump through are significant and done by design in my opinion.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This is the account end in XXXX problem caused the account funds being low. fact are TD bank repeat again and again send XXXX debit back number of time charge the consumer the fee and still return the item TD bank have always paid my and my wife XXXX debit item for over year and they would assessed a fee of 35.00 me and my wife would immediate take the step to resolve. the represent explain that we had the overdraft protection but still send the consumer a letter stated that the item was completed and assessed the fee of 35.00. the evidence show that this took place over a time. 100.00 of 1000.00.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A