Date Received: 2021-07-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As a consumer of TD Bank, I faced disrespect and disregard from the actions of this banking institution when attempting to make a simple payment on my credit card account. Mind you, Ive made electronic payments since the beginning of having my credit card account. This is my first time initiating a payment ( 1 ) in person at a local TD Bank ( 2 ) by mail. My first attempt resulted in rude customer service by a bank teller the Washington, DC XXXX XXXX XXXX XXXX location, who refused to make the payment transaction ( meaning actually accept, look, read, and comprehend ). She also did not accept all paperwork accompanying my payment check when I submitted the check to her ( which was a letter from my mortgage company that per their instructions, directed me to submit upon payment on my account ). Ive included the completed, deposit slip that the unprofessional bank teller gave me, as she gave back my check, and directed to me mail the payment. Note that prior to arriving at that XXXX DC TD Bank location, I visited XXXX XXXX and XXXX XXXX XXXX via the exact same credit card payment process ( with checks issued from the same company along with the mortgage companys letter ) and had no problems. Both banks customer service was top-notched unlike TD Banks XXXX DC location! I mailed the check certified, along with the letter from mortgage company to TD Bank on XX/XX/2021. They received it on XX/XX/2021. See copies of certified and signed documents. On XX/XX/2021, I received a letter from TD Bank stating they never received a payment. Completely unacceptable!! Moreover, the fact that TD Bank has no electronic and/or online direct customer dispute and/or procedure that allows customers to respond in situations like mine is concerning. There are no options to download and send via email anything to TD Banks customer relations department. It is 2021 and this absurd. Per customer service Rep that I spoke with today, XX/XX/2021 : mail in a copy of the check that was submitted as payment. Hence, this letter of complaint with all my documentation. I request that this matter be solved immediately along with dissolving any fees and/or credit reporting or misleading information that state any late payment references.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I purchased a couch in XXXX from XXXX XXXX XXXX using their credit card. The couch consisted of three different sections. Two sections were delivered in XXXX and the other section was delivered in XXXX. The original agreement was for 18 months no interest if paid in full by the end of the term. I set up recurring payments from XX/XX/XXXX to the present day. I've done this multiple times in the past with other furniture from the same company ( XXXX XXXX XXXX ) and have always paid the full balance at the end of the term. The first term for this purchase ended on XX/XX/XXXX, and the next term ends in XXXX for the other section delivered later as described above. I paid the amount in full for both the XXXX and XXXX terms on XX/XX/XXXX which totaled : ( {$1900.00} ). Unfortunately only the minimum recurring payment of {$67.00} was applied in XXXX. I'm not sure why the entire amount didn't go through. I noticed this discrepancy on XX/XX/XXXX and called the company immediately to discuss the situation and resolve the balance due. I paid the full amount remaining on the original purchase of ( {$1800.00} ) while on the phone with the representative to ensure the final payment did go through. I'm am now being charged ( {$980.00} ) in accrued interest. I called to see if they were able to waive this accrued interest fee since I did attempt to make the payment on time in XXXX and did make the final payment in full within threXXXX weeks of the original due date. I was advised to file a dispute for the interest being charged. I'm being told there will be a waiting period of up to 90 days before I hear a decision. I've been a loyal customer for many years and have always paid my bills on time with this company. I'm very upset that they are not willing to work with me and have me sweat out the two billing cycles to see what comes from this dispute which I'm sure will ensure additional interest and late fees. They did tell me that they would have waived the accrued interest fee if I called within two weeks after the due date, but since I was a week late, there was nothing they could do to help. Any help is appreciated. Thank you.
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: At the end of the month of XX/XX/2021, I received checks from TD bank for an account I did not open. i called their fraud department to make the report. I went to three different branches and was informed the account was opened online on XX/XX/2021, as of today the account is still open. I made a police report and in addition I sent TD bank a letter via first mail to report the fraud. There are credits for unemployment benefits deposited to the account and a payment to a TD bank credit was made from the account. I don't know why they have not taken the steps to close the account.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I AUTHORIZED A TRANSFER FROM MY CHECKING ACCOUNT TO PAY A CREDIT CARD BANK IN THE AMOUNT OF {$500.00} ON XX/XX/2021. I NOTICED THAT THE FUNDS WWERE NOT CREDITED BY THE CREDIT CARD BANK AS BEING RECEIVED. WHEN I CHECKED THE BANK FROM WHOM THE FUNDS WERE WITHDRAWN FROM MY CHECKING ACCOUNT, THEY COULD NOT PROVIDE A CONFIRMATION NUMBER OR INFORMATION ON WHERE EXACTLY THEY TRANSFERRED THE MONEY. I HAVE BEEN KEPT ON HOLD FOR OVER AN HOUR WITH THEIR REPS WHO CAN NOT RESOLVE THE ISSUE. I CALLED THE BRANCH WHERE THE ACCOUNT IS HELD AND THEY ALSO CAN NOT PROVIDE ME WITH NO INFORMATION ON HOW THE FUNDS WERE TRANSFERRED TO AND COULD ONLY SUPPLY THE NAME OF THE CREDIT CARD BANK WHICH INFORMATION I HAD ALREADY. IT IS NOW OVER A WEEK LATER AND I HAVE BEEN CHARGED EXTRA FINANCE FEES BY THE CREDIT CARD BANK AS WELL FOR NOT BEING CREDITED WITH THIS PAYMENT
Company Response:
State: NY
Zip: 11901
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts that appear on my credit report are not mine, check them out Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : TARGET/TD Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.
Company Response:
State: CA
Zip: 948XX
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: TD BANK N.A has furnished bad debt on my consumer report which is ruining my reputation, and it is defamation of character. Which is a violation of 15 usc 1692d ( 1 )
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NJ
Zip: 07728
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: About a week ago my car was broken into and my wallet and checkbook were stolen. Somebody fraudulently deposited a check of mine into their account and my debit card was also used to make fraudulent purchases. TD bank called me to inform me somebody has deposited a check and called me to confirm if it was me. I explained to them that I did not and that somebody stole my check and deposited it. Due to that happening TD has froze my account. I called customer service and was informed to go to my local branch and they will help me. I went to my local branch and was told to call the Demarketing team and to leave a voicemail which I did and have yet to receive a call back. I have responsibilities and need to access the funds that are in my account. Please help me recover the funds in my account.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Target stores closed my account last month onXX/XX/XXXXdue to inactivity. We received one and only one communication about this which got misplaced until it was too late. I work for a very large bank with not only their own credit cards but branded cards as well and have talked with that legal team about the following : 1. There should have been more than just one general prepaid mailing that looked more like junk mail than a call to action notification. 2. As I have opted in for digital communication, they should have sent important account information to my selected email, of which there were none. 3. I have their manage red card site where I paid my bills and on this site every single time I went in wanted me to update financial information, NEVER did this pop up a warning telling us about a pending closure. I contacted them MANY TIMES informing them of their error and their lack of proper customer communication that all good providers ( including where I work ) do to one keep clients and two mitigate the possibility of a lawsuit. Every time they claim they can not turn the card back on that I have to apply for a new one which from the lawyers and branded cards team where I work is a flat out LIE. All I get is we will take this as a learning item for future process improvements.
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A