Date Received: 2021-08-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX. I was approved for a PPP loan through XXXX and the lender XXXX for the amount of {$20000.00}. My loan # is XXXX. I am an XXXX XXXX XXXX XXXX, and I operate my XXXX as a XXXX XXXX, so I do not have a XXXX checking account, nor am I required to deposit my PPP loan into a XXXX account. However, my personal checking account at TD bank ending in XXXX froze my funds for just this reason, since XXXX. I can provide anything required of me to prove my ownership of XXXX.
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never applied for a target credit card and I called target and I was waiting on a fraud form to fill out and I never received it and the reps are rude to me and wouldnt close my account .. now I didnt make those payments on my accounts and I dont own a bank account Im a XXXX and living with my parents and the credit bureaus failed me and didnt take any actions to remove this account off my credit report with target {$790.00} balance that is currently reporting and I will keep fighting
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Contacted the company and credit bureaus regarding reporting issues.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I notified TD Bank in XXXX of XXXX that a fraudulent account had been opened in my name. They were provided all the appropriate information to validate that fact. In XXXX my XXXX credit score declined based on derogatory information provided by them. I called them again on XX/XX/XXXX, and a member of the " fraud team '' told me that they mailed XXXX on XX/XX/XXXX that the debt was not mine. Now TD Bank has referred it to a debt collection agency, XXXX XXXX.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Since XXXX, my payments to TD Bank ( XXXX XXXX XXXX XXXX Acct ) have been purposefully misapplied by TD Bank during the no interest promo period for two promotions expiring XXXX and XX/XX/XXXX. I have consistently paid more than my minimum due with the explicit direction to apply the overage to the XXXX and XX/XX/XXXX expiring promos. TD bank reps advised and confirmed they would apply my over payments as such and they have not. Ask them to provide the recorded conversations from the call center. They are applying the extra to all promos and this is incorrect. All payments over the minimum I was advised numerous times that the customer can apply to specific promo balances. After numerous calls to customer service and an email to " escalation management '' the saga continues to force me into being subject to higher interest rates based on its refusal to provide payment reconciliation and avoiding addressing the issue by conflicting messages by customer service reps/supervisors. Today alone, I was the phone for over an hour and transferred to 4 different persons and no one has answers. Customer service reps and supervisors now allege there are " bank laws '' that preclude them from correcting the mistakes. When I asked for the bank law citation or rule in the agreement, they refuse to substantiate the bogus reasoning or provide relevant references. This baffle them with confusion and hope they go away tactic is unacceptable and is an example of deceptive trade practices. Please help me resolve.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: See attached for more. On XX/XX/XXXX, I purchased a phone through XXXX financing provided by TD Bank. It was 24 months interest free financing starting in XXXX and it should have ended by XXXX, but didnt ( attachment A ) From XXXX XXXX thru XX/XX/XXXX I made every payment using auto pay. In XX/XX/XXXX, I saw charges charge from TD Bank that were clearly beyond the 24mo window of the TD Bank/XXXX financing. I also saw there was a balance due going into XXXX ( 26mo of the 24 month financing! ) ( Attachment F, G & H ) Upon seeing that charges that should not be there, I contacted the bank on XX/XX/XXXX o TD bank replied that they will send me the statements via mail. o The statements were never received ( Attachment B ) I cancelled the automatic payment as it appeared they would continue taking money without explanation. There was {$2.00} balance due, though I didnt realize that at the time because their statement system was unreliable and confusing I just saw that money was mysteriously coming out of my account through automatic payments On XX/XX/XXXX, I checked back in on why I hadnt received any documents. Having not received any explanation from TD bank, I again submitted a request via their message system o TD Bank replied they will mail statements and they further acknowledge their system is slow, making it a herculean effort to learn anything. ( Attachment C ) On XX/XX/XXXX, Going beyond their online message tool and slow system, I went further and called TD Bank. I spoke to customer support for 42 minutes ( Attachment D ). o I asked them to explain the charges and their explanation boiled down to, It says you owe money so you must owe money. The agent did say she would send me the documents as well and made sure my address info was up to date to ensure it was actually received. o Once again, the documents were not received After XXXX, they started tacking on late fees. They could not explain or show why I owed the original balance, nor did they provide any information that was requested, but they were diligent in racking up late fees In XXXX, I again spoke to customer support for 84 minutes in hopes of solving this. The first agent was understanding but referred me to a manager. o The manager was also unable to figure out why I had charges, and saw that I had been trying to resolve this since XXXX. However, she could not waive the late fees but told me her manager could. She then said she would transfer me to her manager. o Of course, after a few minutes on hold I was hung up on or they disconnected. o I had hoped they would call me back or contact me some other way, but they did not In XXXX I spoke to an agent that called me and they were going to transfer me to a manager, but instead they hung up on me once again o I immediately called back and when I pressed the option to speak to an agent, it immediately disconnected. I repeated this several times and each time I was automatically disconnected Sometime in XXXX they submitted my claim to collections Bottom line : I have made repeated efforts to get an explanation of charges that came during and after XX/XX/XXXX when the financing should have ended. I have tried to use their automated system that even they admit barely works, I have tried to use their message system and never received documents they said they would send, and I have spent over 2.5 hours speaking to their agents only to be hung up on over and over. Call recordings will show I was not rude frustrated, but not rude or taking it out on their agent. They just hung up because they didnt want me talking to managers or their system does not work. With all of that, no agent or system has provided an explanation.
Company Response:
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX I received a call from td bank asking if I need any help with my business account I said no didnt no YALL made calls then hung up so about XXXX XXXX that same day I received a text message asking if I had tried to purchase something in the amount of {$540.00} I texted back no and awaited for my response for them to say they are gon na cut my card off but they didnt I then received a phone call at XXXX and the person on the other end stated that they were calling me from td banks fraud department and that I had some unusual activity on my account that they needed to stop I was on the phone for 40 not realizing that the person was in my account sending fraudulent XXXX payments 28 to be exact so being that my card was compromised I went to get money from my business account and saw that they had moved {$5000.00} to my personal and I couldnt even log in so I called td bank back on the number that called me they stopped {$1500.00} in payments but did not stop {$3500.00} and I still do not have money back.
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Was informed account closed due to returned payments. I did not do this. I do not recognize payment accounts added. The payment that was returned says this XX/XX/2021 - {$280.00} RETURNED E-PAYMENT posted XX/XX/2021 {$280.00} One-time Posted I want account reopened.
Company Response:
State: FL
Zip: 32583
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was diagnosed with XXXX in XX/XX/2021. I was very ill for two months and was not able to work during that time. I reported my illness to TD Bank but did not receive a response back. TD Bank reported a late payment of my Target credit card bill but I could not pay the bill due to my XXXX diagnoses.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: called Target card services end of XXXX, beginging of XXXX requesting Covid assitance. was told XXXX payment would be waived, and next payment due XX/XX/2021. Advised rep that i would pay account off end of XXXX. rep stated that was fine, but would have a late fee if not paid by due date. was also advised by rep that payment would need to be paid prior to XXXX due date to not be reported late. Payment made XX/XX/XXXX, paying account off. received notice in XXXX account was reported 30 days late for XXXX payment. Target refused to correct the error even though payment was paid within 30 days of due date. also still reporting balance due on credit reports, and late when XXXX statement shows payment paid, {$0.00} account balance.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A