Date Received: 2021-08-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2021 ; I called TD Bank Customer Service to inquire about problems accessing my online banking. This has been after two weeks of attempt to resolve this issue. I lost my phone on a Subway train in XXXX during on XX/XX/2021. Because of that, I had to get a new phone and a new number. I have not been able to log into my account nor receive any assistance in doing so. Their verification questions are impossible to answer because I haven't made a transaction in a branch or ATM since the beginning of XXXX. I left the XXXX of Massachusetts for school on XX/XX/2021. Therefore, because of that I can not remember the amount of transaction. TD Bank has been impossible to work with and they have failed to resolve my issue, despite my kind requests. They are not America 's most convenient bank. When I called on XX/XX/2021, I was told that because I am " outside of the TD Bank footprint '' that I would need to go into a branch physically. They are failing to show any consideration that I am a college student out of state. To go to a branch physically, would cost be large amounts of money just to solve a single issue. They are being disrespectful, discourteous, and quite frankly terrible customer service. TD Bank needs to be held accountable and taken to task for their horrible customer service. All I'm asking for is to be able to access my online banking. They are making it more difficult then it needs to be.
Company Response:
State: SD
Zip: 57006
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Problem when making payments
Subissue:
Consumer Complaint: Account Number XXXX XXXX XXXX XXXX In XXXX of XXXX, I was connected to a representative to whom I shared with them that my requested billing date was off by one day. I explained to the representative that I am paid monthly on the XXXX and to ensure I am able to maintain credit worthiness, I requested my due date be changed from the XXXX to the XXXX of every month. I was told by the representative that the one day off mistake was made by XXXX when they sent my information to be processed and TD Finance could not make that determination to change the billing date. I was told I would need to speak with a representative from XXXX to resolve the matter. I contacted XXXX and was told the information I received was false and the finance company has the power to fix the mistake. I was persistent in trying to resolve this matter and paid my bill in XXXX on the XXXX when I was paid and was accessed a late charge. I contacted TD XXXX to resolve the matter and was told there was nothing that could be done to change the billing date and nothing could be done to adjust my account to waive the late fee. I did the same in XXXX and spoke to a representative who told me I was the customer, and who did I think I was requesting a set due date. The representative went on to tell me I had a lot of nerve and I could pay the bill at the end of the day on the XXXX so the payment would not be debited from my account until the XXXX. I explained this was a risky practice and I could run into the possibility of the transaction being debited same day. I also mentioned to the representative that all of my other creditors have been accommodating and have given me the XXXX as a due date so I will not assessed late fees. The representative responded back, with the reminder that we ( TD XXXX ) are not all of your other creditors. I explained to the representative that the companys unwillingness to change my due date by one day was causing an unnecessary hardship. The representative remained firm that there was nothing that could be done. I was also denied my request to speak with a supervisor. Additionally, in XX/XX/2021 I was charged a late fee of {$24.00}. In XXXX I paid my bill of {$78.00} but was charged an additionally late fee in the amount of {$24.00} even though the bill was paid. There is no reference in my received documents that a late fee can be assessed when a late fee is not paid. The late fee is only assessed when the original minimum amount owed is not paid which is not the case in this instance since I paid the minimum monthly amount.
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2021 To whom it may concern : I am writing in regard to my dispute of scam/fraud with TD Bank. On XX/XX/2021, my Personal checking account was hacked with several withdrawals being taken totaling in the amounts of {$2500.00}. I received a telephone call from a TD Bank representative and was told that my ATM ( Debit card ) was being used in a different state with suspicious charges and if this was me as the charges were in a different state. I told them that I was not making transitions. The TD bank person ( scammer ) then texted my phone and stated the amounts would go back into my account, however the name would be TD Bank Refund which would need my approval and I would have to state yes in which I did. During this time I was able to log into my TD bank account and realized the scammer created a XXXX account called XXXX and was withdrawing money from my personal checking account. I never approved withdrawals and realized this was a scam and immediately contacted TD Bank on XX/XX/2021 to report the fraud and scam. I was transferred to a TD Bank represented ( Fraud Department-XXXX ). She in return requested that I close my PERSONAL checking and BUSINESS accounts as this was definitely fraud and a scam as there was no such account as XXXX XXXX XXXX. She provided me with a Claim number # XXXX and advise me to contact TD bank within 3-5 business days for the investigation results. I contact TD Bank on XX/XX/2021 for the status of the claim and was told that the claim was denied as I had approved the transition. I stated this was untrue, as I did not create a XXXX XXXX account and requested my money to be returned. I then asked the case to be reopened. TD bank Fraud representative then advised me to contact my local police department and file an incident report and to fax a copy of the police report to TD Bank with my new claim number Claim # XXXX. On XX/XX/2021, I filed a police ( Please see attached ) and faxed to TD Bank confirming the scam incident. The bank representative advise me to contact them within 3-5 days. However, on XX/XX/2021 TD Bank again denied my Fraud claim and will not refund my funds of XXXX. Please note, I have called the TD Fraud department, my local branch and was told my monies will not be refunded. I have exhausted all means to retrieving my money back into my account. I have banked with TD bank for over 15 years and have established a great rapport with excellent credit rating. Please assist me in this matter as the loss of XXXX has caused undue financial hardship, emotional stress on myself and family members in which I am the sole provider. I can be reached at XXXX XXXX-XXXX or by email XXXX. Thank you in advance. Sincerely,
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My account opened on XXXX, after 3 years ask me send in my Drivers license and SSN card and documents for verification, all those copies? all those documents can be required when I am opening a new account may needed, also I dont think giving anybody of my SSN card copies and may documented other then Government department is legally, Instead of last week I verified my account many times throw text messages, phone calls, and go in to the store with my photo ID, my account was back to back locked, This is not for customer account protection, May I know is that happen with every customer account holder? I have just cleared my balance on my account, and Im sorry I dont feel comfortable to sending all those documents to Nordstrom in the mails.please have someone contact to me, I may choose to close my Nordstrom account. also just checking I did not missing payment, why put a 30days late payment alart on my credit reports on XX/XX/XXXX.
Company Response:
State: CA
Zip: 91732
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a late payment on my credit report that is showing after multiple years.
Company Response:
State: NJ
Zip: 07008
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Not sure where to start with this. I am having problems with Target XXXX XXXX. I have try paying my bill online and for some reason they have block me which I find very odd. Why? I did call them over this and ask them why they didnt call me they said they has a phone number with XXXX area code on file again which is odd I have never had a XXXX area code number I live in the XXXX and I have had the same number for many many years. Here the thing are about that Target has call me before so why now do they have different number and cant get a hold me? When I call they cant ever tell me why they have the wrong number or why they have a late payment for when their system was down and not working not my fault I couldnt make the payment. Everything about my account is wrong now all because of their system bein down and they are unwilling to help me or fix it.
Company Response:
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a joint checking account with my wife for 3 years. I need a copy of my statements for a government agency. They are demanding I come into a branch location to obtain this data. There are no branch locations in my state. They refuse to accommodate me in another way that is actually possible for me to obtain my records.
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Today, XX/XX/21 I received a welcome packet and checks from TD bank for an account I never opened or authorized. I did not authorize the account or have any knowledge of its existence prior to today. After contacting TD bank this evening they confirmed they will close the account immediately which Ill be reflected in 2-3 business days.
Company Response:
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My Target card payment is set up for auto payment of the minimum amount due My settings still today say that my 'Current Auto Pay ' is set to 'Plan Type : Min Payment Due '. However, after I paid my minimum amount on XX/XX/2021 ( after which no minimum payment was due ), I was billed again by Target for the minimum payment amount on XX/XX/2021. My bank account did not have sufficient funds for a second payment so the second payment was rejected, and Target charged me an 'auto pay returned payment ' fee of {$29.00}. I contacted Target on XX/XX/2021, to reverse the fee. On XX/XX/2021, Target refused to reverse the fee. On XX/XX/2021, I contacted the XXXX XXXX XXXX. On XX/XX/XXXX, Target again refused to reverse the fee for returned payment. Target responded that the online payment page indicates that Target will auto-bill a customer for a minimum payment amount even if no minimum payment amount is due. This practice of double-billing its customers is an abusive business practice. My auto-pay 'Plan Type ' is 'Min Payment Due ', and I can see no business need for Target to double-bill its customers, except to fish for extraneous fees. To wit, the auto-pay feature on my XXXX XXXX card does not auto-bill me for the minimum amount due if/when when I make the payment early. I indicated to XXXX XXXX XXXX that I want to escalate my complaint against Target from an issue of deceptive business practice to an issue of abusive business practice, and they advised me to file with the Consumer Finance Protection Bureau. Thank you for your help.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On or about XX/XX/2021, TD Bank/Target closed my account without my authorization. I only opened the account about six months before and had a XXXX balance when they did so. I had made all of my payments on time and did not carry a balance. I wrote the bank about two weeks later to reinstate the account and they replied in writing that they would/could not do so. The closing of this account cause my credit score to drop overnight by 32 points.
Company Response:
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A