Date Received: 2021-07-01
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. 1. Identity Theft TD BANK N.A. Account Number : XXXX This is not mine. 2. Identity Theft TD BANK N.A. Account Number : XXXX This is not mine. 3. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The status is incorrect for the following account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The status is incorrect for the following account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The status is incorrect for the following account JXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am trying to get a HELOC with TD Bank. I feel I am the victim of Red lining. I fully renovated a home in XXXX. The bank refused to go inside to see the renovations. They only did a drive by. Similar Houses are selling in the area for at least XXXX. They would only do the heloc for XXXX. Please investigate.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a print ad from TD Bank in the mail in early XXXX advertising a {$150.00} bonus for new accounts. I was unbanked at the time so I opened an account on XXXX XXXX in time to have my XXXX direct deposited-a condition of the bonus. As well I continued the direct deposits until now. TD Bank now says I did not open the account with a link-whatever that means so no bonus. I approached the bank to resolve but very little action, I asked for email records of the bank officers back and forth to their rear-of-house team. I was denied access claiming that I needed a subpoena to receive, I reached out to customer service on the phone and was given several different reasons I can not get the bonus. Each time the reason was different. Thank you for your help.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received an email on XX/XX/2021 at XXXX XXXX stating that a XXXX transaction was made in the amount of {$980.00}. I called TD bank immediately letting them know that I didn't make this or authorize it. They told me that they need to cancel my debit card so I did. The next day I went to Td bank and got a new card. Then I called in again to follow up and was told that the fraud was on my bank account not my debit card and that they need to shut down my account. By that time TD bank already processed the XXXX payment and the money was taken out of the account. I do not know this person nor have I ever XXXX this person any money. TD bank did not protect me or my account. I have called numerous times with no resolve. I contacted the FTC and filed a report and a police report and provided it to TD Bank with no resolve. The case number with TD bank is XXXX.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
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 and are hurting me Identity Theft US DEPT ED Account Number : XXXX This is not mine. 8. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 9. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 10. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 11. Identity Theft TD BANK N.A. Account Number : XXXX This is not mine. 12. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Hello, I had a vehicle, a XXXX XXXX XXXX. I bought it new in XXXX and the loan was through TD Auto Finance. In XX/XX/XXXX, I sold the car to a private party. He paid cash with a cashier 's check into my bank account. I called TD Auto Finance to discuss the pay-off of my account. I was told to wait to make sure the cashier 's check posted, then call back and I had to conduct the pay-off over the phone. I called back again once the check cleared and was told by the customer service rep that I could not do pay-offs over the phone, that they were online only. So, I went online and made my pay-off of {$44000.00} on XX/XX/XXXX. Several days later I get an email saying there was a problem with my payment and it was returned due to " insufficient funds '' even though I had the money in my bank account to cover it. I called TD again and was told that I could only make payments online of up to {$40000.00} and that is why my payment did not go through. The rep told me to try again with two separate payments of {$20000.00} each. I did. The first payment was declined because I indicated it was a savings account instead of a checking account, even though when you make a payment online, it did not give me the option to choose. So then I try again ( for the 3rd time ). Then, my payment is declined because they were " unable to locate the account ''. I called TD again. The next person ( 5th or 6th person I've talked to at this point ) told me that you can only make pay-offs over the phone and you can only pay up to {$10000.00} at a time and only once every 24 hours. Then the 8th person I talked to told me I could make up to 5 payments in 72 hours. So by this time, I am highly upset at this company because every single person I talked to had something different to tell me. I eventually got the loan paid off by using their phone payment system and making {$10000.00} payments four times, plus an additional payment of the remainder. Now, mind you, another payment has come due that I was required to pay even though the car had been gone for a couple weeks. So TD Auto Finance got me on that one. I signed a contract with the buyer that I would pay off my account in 72 hours and instead, it took 5 weeks. I finally was able to send him the title to the vehicle yesterday, XX/XX/XXXX. TD Auto Finance, I feel, was using tactics to prevent me from paying off my loan. I personally believe that they did not want me to pay off this $ XXXX auto loan because of the interest they were making on it. I feel like I was taken advantage of and that they were doing this on purpose.
Company Response:
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This bank is the only bank that keeps charging me overdraft fees. The account with literally show available balance I use my card then after a while it will act as if I never had the money. They told me if I deposit money same day I wont be charged overdraft fees yet Im still charged overdraft fees. I dont have overdraft protection XXXX dont want it. They they have a special time of payment processing called time order processing. These people will literally lets you spend off your card and have the transactions pending and show you have available left and days later tell you that you didnt have money, they want me to keep calendar records and take notes of what I spend. With XXXX or XXXX XXXX if I spend money it takes it out my balance.. not show me I still have the same amount of money! It doesnt let me spend money I already spent.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: For a week, I was misled through a scam disguised as a job interview and hiring process for XXXX. I was literally tricked into sending this company all of the money out of my account through XXXX XXXX ( {$1300.00} ). I have since then called both my bank account and reopened an account ( TD bank ) and also contacted XXXX XXXX to reach no resolve. I closed my account and disputed charges, but they are saying that they can not redistribute my funds because it was sent through a third party they can not redistribute my funds. XXXX XXXX has also said the same thing. This was FRAUD and I can not receive the money I was scammed into sending.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Bought furniture from Mor Furniture Financed it through TD Bank made all timely payments made final payment on XX/XX/2020 Our credit report still shows an outstanding balance.
Company Response:
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a TD Bank " TD Beyond Checking '' account on XX/XX/XXXX and completed direct deposits of over {$2500.00} 30 days later on XX/XX/XXXX. Per the terms, I should have received the {$300.00} bonus by XX/XX/XXXX ( " no later than 140 days from account opening '' ). I had previously held a TD Bank account but it was closed greater than 12 months before. I printed to pdf the terms when I opened the account and have spoken with several customer service representatives since XX/XX/XXXX. TD Bank has opened a case and followed up with the promotions department. At no point has the promotions department reached out to me, even though I have offered to share the printed terms under which I opened the account. The last customer service representative that I spoke with suggested that I go into my local branch ( 150 miles away ). I have called the branch and was told to expect a call back from the branch manager the following day. That was last week and I still have not heard from the branch manager. " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening ... Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. ''
Company Response:
State: NC
Zip: 27502
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A