Date Received: 2024-01-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX I decided to open a savings account with TD bank online. I already had a checking account with them and decided to open a savings account. On XX/XX/ I transfer the amount off {$2400.00} into that savings from my checking account. I got paid the next day on XX/XX/ and transfer {$100.00} from my checking to my savings. After 20min, I decided to go back into my check to see how much I had there so I can pay my bills, for some reason I couldnt see how much was in my savings, unless I clicked on it. I called TD bank and to ask what happens, the representative told me being that I opened the savings online, they thought someone opened the account in my name. I told them no, I opened the saving through my mobile app. She said she will reach out to the department. She came back and told me she informed them and its fix. Got off the phone, I tried logging back into my account and couldnt, I tried resetting my password but got a message to call them. I called back and was told the bank decided to cancel my account and to go to the branch. I went to the bank, I spoke to XXXX, XXXX knows me because he opened my checking account. He called the support team. XXXX informed me, TD told him it wasnt them that cancel me, it was a third party that works with them. XXXX told me the support team told him to send a email to someone, he will send the email, and will call me on Monday or Tuesday, Monday came no calls, Tuesday morning my job emailed me to informed me the bank send the deposit back, they will send a check. I called XXXX for an update he told me he couldnt get my account back. I asked about the funds both in my checking and savings. He told me to call online support they will be able to help me. I called TD support and asked to speak to the department the representative told me no, she wont transfer me. I contacted XXXX back, he said theres nothing they can do. I do not have a dime on me. Im grateful for my bf that is providing right now. Its sad because what if I had children, like I dont walk with cash. How do they expect ppl to survive, Im literally going through a lot because I have no funds. how can a company be so evil. When I spoke to XXXX on Tuesday, he told me to come in on Thursday. Which is today, left work and went there, XXXX didnt give me any information except my statement. I looked at my statement and saw TD bank went into my saving account and transfer money from my savings to my checking without my knowledge. I never authorized TD to take money from my savings to my checking. I left TD bank and call the support team, the guy told me I had negative {$100.00} in my savings. How? When I transfer XXXX and a {$100.00}. I asked why did my money go? They cant answer me? I asked how much is in my checking they told me XXXX. How? I asked to speak to someone nobody can help. Yesterday was my bf bday and I couldnt even get him a cake because I had no cash on me. Im so mad I dont know what to do. This is just the beginning. Im suing and Im getting in touch with every government company I know. Its okay to close my account if you want, but to steal my money and not have my money available is crazy. The fact that this company went into my savings to transfer money to another account without my knowledge is CRAZY. I my bf is a lawyer and Im in school for paralegal. the bank can close accounts if they want, but they cant transfer money from another account without the owners authorization. On my statement XXXX printed it and it states phone call to transfer funds from saving to checking. I never called TD to transfer funds from my savings to my check. So in court TD has to play that tape of me authorizing it. The fact that these ppl are giving me the run around because nobody can answer me is crazy.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had auto-pay set up on my account and never disabled auto-pay. Target stopped my auto-pay without my knowledge and marked me for non payment in XXXX and XXXX. I never recieved statements for the amount due or notification of missed payment. I only found out because XXXX XXXX alerted me of a 30 day past due. I have never been late on anything. I also made a payment in XX/XX/XXXX that they never processed.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX, 2024 I set up an estate account for my mother 's estate. I was promised ( and signed for ) a higher interest " bump account ''. The interest rate was not calculated correctly and I have been waiting since XXXX for the correct amount to be applied to the estate account. Per the probate court, we should have dispersed the money to the beneficiaries by last Friday, XX/XX/2024. I have been in contact daily with the bank manager and her manager who have been unable to get an amount calculated by their interest department.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a XXXXXXXX XXXX credit card in XX/XX/XXXX. I was approved for {$10000.00} and at the time my credit was in the XXXX range. The first bill was due once the furniture shipped in XXXX of XXXX. The bill was paid and auto pay was set up. Months later my XXXX XXXXXXXX alerts me that my score has fell and when i looked into it, my XXXX card was delinquent by months. i was able to pay online by the information stored for a one time payment. while auto pay is switched on it is never applied to my account. my wife emailed the company numerous times with no response. I finally called in XXXX and the person i spoke with told me that my banking info was incorrectly added and that it was now fixed. here we are in XXXX and i get another alert from XXXX XXXX telling me my score is now a XXXX i have been on the phone with customer service and keep getting excuses ranging from " since i returned and replaced two damaged pieces of furniture im not eligible for auto pay '' and " im locked out of autopay for 6 months '' or " my phone number and email are not listed on the account '' how would i possibly go into a store and not give any of this information? i have wasted hours or my time on this and my credit is now in the garbage. i have numerous late fees. i have lived my life being a responsible consumer and this company is ruining my life.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me.
Company Response:
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/, I began XXXX leave for my XXXX. With my copious free time away from my regular job, I checked my credit report and found that my otherwise exceptional score, typically in the XXXX or highest XXXX had dipped to the XXXX, and I was very concerned and confused. I saw a tradeline I did not recognize related to XXXXTD RCS which was apparently past due. I contacted the three major CRAs to dispute the tradeline, stating that the account was opened fraudulently and/or the result of ID theft. As legally required, within 30 days, each XXXX investigated and ultimately deleted the tradeline. The results were as follows, with essentially this wording, from each CRA : " We have researched the credit account. Account # - XXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : TD RCSXXXX XXXX XXXX XXXXXXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX. '' I called the TD RCS number provided by the CRAs. I told TD that I did not recognize the account and that it was fraudulently opened using my name. I mentioned that I had submitted disputes with all the CRAs and that I was calling them to understand if there was anything else they needed me to do to ensure it was taken care of. The woman I spoke with assured me that if I had submitted a dispute, that this was all I needed to do. With the results, and confirmation from TD that my steps taken were sufficient, I felt I could rest easy knowing this identity theft crisis was averted. I also placed a fraud alert with each of the CRAs, good for a year. In addition, I disputed the address information connected to my credit reports related to the tradeline that I did not recognize to ensure that my credit reports are accurate. That address has since been deleted from my credit reports. My baby is now XXXX XXXX XXXX. During his XXXX XXXX today, I received a call from TD Bank. I picked it up wondering if it had to do with this prior matter. It was a call from their collections department stating that this account was past due and that I owed them a minimum payment of roughly {$1000.00}. I informed them that this account was the result of ID theft, and that the results of the CRA investigations confirm that I do not own the debt. They provided the customer service number so that I could tell them this fact again. I call that number. They pass me along to the fraud department. The fraud department then passes me back to the customer service department where I am then placed on hold for XXXX minutes. I then call the customer service number again, which immediately transfers me without my knowledge to the collections department, which explains they can not help me and that I need to call the customer service number which I had initially called. I explain that this is a ridiculous circuitous mission of doom ( in not so many words ), and surely she can see this, and so what else is there that I can do? She also explains that the best way through this mess is to file " another fraud dispute. '' I told her that I hadn't even filed a first fraud dispute because when I told TD that I was the victim of identity theft, the representative told me my actions with the CRAs were sufficient. She explained this was inaccurate information. Frustrated, and dealing with a screaming infant, I call the fraud department. After two call attempts, where I am placed on hold for approximately XXXX minutes each time, I hang up. On the final attempt where I once again try the customer service line hoping to reach someone who can help, I kid you not, the man on the phone in the middle of supposedly looking up my account -- without even explaining what he was going to do -- transfers my call to an automated message that can't be stopped about TD 's XXXX XXXX or some nonsense that I could purchase. It shouldn't be this hard to get some support dealing with identity theft from the creditor that had the bad guardrails in place to permit this fraudulent activity in the first place. I have no bandwidth right now as a new mother, and I shouldn't be dealing with this issue, given my attempts to resolve them. In fact, I am curious as to why there was not a cease debt collection flag following the treble CRA investigations and whether their inaction rises to the level of an FCRA and/or FDCPA violation. It seems as though this debt is being collected by TD as an original creditor and it has not yet been sold off to a third party debt collector. That said, I was told time after time by every department that no department speaks to any other department at TD Bank. This creates a XXXX awful, absurd, and infuriating-beyond-belief experience for the consumer where they are left going around and around in circles like crazy people. At a minimum, their actions warrant internal operations improvement to avoid consumer harm, and at a maximum, their actions perhaps constitute unfair practices. I now give up trying to resolve my issue with TD Bank and turn to everyone 's favourite consumer watchdog for support. Thank you in advance for your existence and help. Let 's hope XXXX doesn't eviscerate the one tool people have to deal with financial institutions that behave badly.
Company Response:
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Disputing total charges of XXXX and XXXX = XXXX on XX/XX/ from XXXX their pretending to be XXXX - giving steep discounts tricking unsuspecting shoppers into giving them information for purchases never received, I didn't authorize those amounts of charges, the charge is an error because XXXX is tricking USA shoppers of their information its a fraudulent website. Its all fake. Please help correct the error on my account.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XX/XX/XXXX, someone fraudulently opened a loan to purchase a phone from XXXX at a XXXX XXXX in XXXX, XXXX using TD Bank. Months later in XX/XX/XXXX I noticed this on my credit report and called XXXX to dispute the fraud. They closed the fraud case saying that they believe it was not Fraud. I live in XXXX, XXXX and was not even near XXXX when this happened. I appealed my case and they then again closed my case thinking it was not fraud. I then learned in XX/XX/XXXX, from my credit report the loan was actually opened with TD RCS ( Retail Card Services )XXXX On XX/XX/XXXX, I filed a police report with the City of XXXX and contacted TD RCS to dispute the fraud. They sent me a letter in the mail that I had to sign and returned. I made these actions and I still, in XX/XX/XXXX, have not been able to get them to provide a status and update to my credit report. This has hurt me significantly as it brought down my credit score over XXXX points and I have not been able to get a mortgage loan or make any updates to my credit. I'm trying to close on a house in XXXX and I have to have this removed from my credit but TD RCS is not being fair and taking care of their mistake.
Company Response:
State: TX
Zip: 78746
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a Raymore and Flannigan credit card and back in XXXX XXXX XXXX I bought a table set for XXXX . It was still during the heart of the pandemic and we all were trying to slowly build our life back up to normal. I had 1 payment that I missed due to the covid crisis as I was struggling to save money and keep my job. I didn't sent in 1 minimum due payment and I got a late payment on my credit report. I only saw that few days ago when i pulled my credit report. I paid the {$400.00} after back in XXXX of XXXX when i was able to borrow some money but I didn't not know I had a bad mark on my report. Now I am having a hard time due to the late payment showing on my report getting a loan. I ask you please take that negative mark off as I did pay it fully and I don't have any other bad marks on my report.
Company Response:
State: PA
Zip: 19006
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid a settlement of {$330.00} to XXXX XXXX XXXX XXXX for my TD Bank/Target Card Services on XXXX and that was supposed to take care of the debt paid in full. As the notice that I attached was provided to me. I noticed that the debt was not paid in full on my credit report and the amount was reduced. Therefore, I called today XXXX and was told that the debt was sold to another collecting agency. The person I spoke with over the phone was unable to provide the name of the company of which the debt was sold and that Target Card Services/TD Bank was still collecting on the debt. The person I spoke with stated that a letter was sent in the mail that I did not receive, but they did see that a settlement was paid but the balance is still being sought after.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A