Date Received: 2021-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am filing a complaint against TARGET/TD because they are attempting to collect a debt that I do not owe them. Account Name : TARGET/TD, Account Number : XXXX I would like for TARGET/TD to show proof of verification that I owe them {$1000.00} with the account above. To my knowledge, this account has been paid. TARGET/TD is reporting inaccurate information on my credit report.
Company Response:
State: NC
Zip: 27534
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: TD closed my account in XX/XX/2021. In XXXX I called in to have me remove from any for of electronic payments, bill pay and XXXX. It is normally common sense to conduct since you are no longer a customer. As, XX/XX/XXXX the bank refused to honor my results and been collecting funds on behalf of a closed account. I attempted to resolve this issue. The bank workers claimed the matter would be resolved in 2 bussiness however it isnt true. My friend sent me emergency funds and TD refused to release the funds sent to me, back to the recipient.
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I originally opened a complaint an td bank answered me for overdraft fees for the month of XXXX stating I was charged overdraft fees because insufficient funds, that was not my complaint, my complaint is at the time of the coronia virus epidemic, td bank was sent a letter from state stating at this time of crisis you should not charge overdraft fees, they ignored the letter an continued to charge over draft fees an not returning them, Im talking going back from XX/XX/XXXX to present, they responded only for overdraft fees I received in month of XX/XX/XXXX, Im talking about the letter that specifically was sent to Td bank along with with other banks that was sent out on XX/XX/XXXX XXXX : XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don`t belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Please investigate TD Bank in the state of Virginia for possible involvement in illegal lending practices and debt collection. As the XXXX of a XXXX XXXX XXXX in VA, I applied for an SBA loan with TD Bank in XXXX where SBA would guarantee XXXX XXXX of the loan amount. The TD Loan manager informed me that the SBA Loan process was tedious ad required numerous application forms and that a TD conventional loan would be easier and quicker since the XXXX XXXX qualified. On XX/XX/XXXX, TD Bank called me in to sign for the loan. The Burrower was the business so I signed as the manager of the business. However, TD bank said there were a few pages where I had to sign as the guarantor. Payments were made towards the loan up until XX/XX/XXXX when the XXXX timely applied for the COVID-19 Small Business Loan Payment Deferral from TD Bank and received confirmation that the application was received by TD. When I followed up with TD on the progress of the application later that month, TD Bank informed me that they made a decision to change the deadline to XXXX, XXXX for accepting applications and therefore my application will not be considered. I requested a modification of the loan since there was no income due to the pandemic and was told by the TD loan manager that he requested that my application be looked at and was awaiting a response. I had several follow-up emails and calls to the TD Bank loan manager and offered to pay 50 % of monthly loan amount and was told to wait for a modification of the loan. I also spoke to one of their senior Loan Managers and Attorney-in-Fact who told me that I should wait until they have worked out a plan with their " Work-Out '' Solutions Department. Early this year ( XX/XX/XXXX ), I received an email from TD Bank informing me that they were " inundated with requests for assistance '' and had a " backlog. '' and instructed me to allow them more time to resolve a payment plan with me. These were the same instructions that XXXX XXXX provided me in XX/XX/XXXX. I continued to make visits to the TD Bank in XXXX to get updates and was told to wait. However, I received no follow-up response to the payment plan and the TD Bank moved forward with a confessed judgement in XX/XX/XXXX with my wrong place of abode. I filled a Motion to vacate the confessed judgement and found out from the judge during the hearing that the attorney assigned by TD Bank was not authorized to be the Attorney-in-Fact on this loan. The senior bank manager had informed me a week earlier that he would connect me with the Workout department after the judgement was removed The judgement was vacated so I reached out to the local bank to getting connected to the " workout '' Solutions Department and after an hour of her navigating the banks system she was unable to get intouch with anyone from that department. So I reached out to the senior bank manager via email who instructed me to not contact anyone but their attorney. I reached out to their attorney via email and here was his response : " I do not work at the bank '' and " do not know the details of the bank 's payment process. '' I went on-line and logged in to make payments but received Error Message " We're sorry, but appears you are not eligible for Bill Pay. '' The attorney sends an amount to be paid but has not been able to give me a statement with details on the principal, interest, late payments, legal fees. I have made several efforts to make the payment online through my TD account and I have also made several trips to the TD Bank to make payment on this loan. The online method is blocking payments from my account. The attorney continues to harass me via email sending me updates that he is now the attorney-in-fact and is able to file a judgement against me and I will receive it via certified mail to my home address. The responses thus far have been conflicting and quite confusing. I believe that TD Bank is engaging in illegal lending practices and debt collection practice. Please investigate.
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Credit Card TARGET/TD XXXX XXXX {$970.00}
Company Response:
State: UT
Zip: 84116
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
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, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hi, I am filing a complaint against TD Bank. XX/XX/2021 my husband purchased running shoes from XXXX XXXX. The phone number is XXXX. I highlighted the charge on the attached XX/XX/2021 statement. The amount is {$140.00}. My husband never received an order confirmation from XXXX XXXX XXXX the shipping information. Therefore, he filed a dispute with TD bank. We received a letter from TD bank stating that fraud did not occur. While waiting to resolve the dispute, the sneakers arrived. My husband returned the sneakers to XXXX XXXX, asking for a refund. XXXX XXXX returned money to a closed TD bank but TD bank refuses to refund us the money. TD bank can not locate the money. We worked with the local TD branch in XXXX XXXX, Florida to find the money. The money is not found after a month. Can someone help us locate the money and reimburse us? Thanks. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/XXXX I was advised by TD Card services that an address change was made on my behalf. The address change was an attempt at identity theft. I immediately contacted TD Card services and advised them of same. They cancelled my card and reissued a new card and promised to remove the fraudulent address from my account. That never happened ; in fact RD Card has now reported the fraudulent address to the credit reporting companies ( XXXX, etc. ). Today I spoke with XXXX at XXXX and he assures me it will be removed ; however, I have been promised this before. Now I have an alert that the fraudulent address is now associated with my SSN. This is problematic on many levels. My complaint is specifically with TD Card services and their incompetence as well as reporting information they know to be fraudulent to the credit reporting services. This has taken me many hours to attempt to resolve and so far they have been unresponsive. I mailed a complaint directly to TD Card on XX/XX/XXXX after repeated phone calls and I have not seen any results nor have I heard from TD Card.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My husband added me as an authorized user to his TD Bank visa account without my permission and my social security number is being used. This account is being reported and negatively impacting my credit score due to a high balance. My husband will not remove me from the account and TD Bank states he is the only one that can remove me and I can not remove myself. I want my name ( even as an authorized user ) off this account and I want it to stop impacting my credit score.
Company Response:
State: NH
Zip: 03051
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A