Date Received: 2021-06-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I called the credit card company to ask about getting my interest rate lower. My credit score is XXXX and I have paid my bills on time. I believe I am being redline because of where I live, My interest rate is 21.24 %. I called them in XXXX about my rate. They said that they could not lower it. I got a paper in the mail where they were offing me a loan with 0 % interest until 2022. This is not right.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I asked TD bank to assist me in refunding my money from a scammer that coerced me into sending money through what I believed was a job offer from indeed which I applied to. I was given a check for XXXX which I thought was a sign on bonus only to discover it was false after I sent the money back through XXXX because I wanted to decline the offer. I got the check XX/XX/XXXX and deposited it XX/XX/XXXX. A day later I discovered the check was not a valid check and that I was a victim of fraud. I am out of XXXX from the initial sent money plus XXXX from an overdraft I had to deal with as a result of the deception. I immediately contacted TD bank to notify them and ask if theres anything that can be done and they essentially said that theres nothing they can do even after they quickly agreed it was fraud, even though the method I used to transfer the money is from XXXX which is linked to the TD bank mobile app which made me feel safe thinking they had my back if anything happened. To make matters worse I recently lost my job so I have no way of quickly recouping my loss. As a result of this outcome with the bank and general situation, Ive spiraled into a XXXX and havent even been able to leave my bed for days because I feel abandoned and discarded by my bank after I used their official mobile app thinking that in the event of any possible fraud, I would be protected rather than the scammer walking free. I have screenshots from the conversation with the scammer who I thought was a recruiter from indeed as well as any bank transfer information needed.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/209. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Company Response:
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this debt off over a year ago and was promised that it would be taken off my credit report and yet as I go through all of my credit reports, I notice this sill reads as Resolving & Deragtory. Essentially showing that I've yet to take care of this account, but it was settled over a year ago.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an account at TD bank in XX/XX/XXXX ( I believe XX/XX/XXXX ) through a promotional link on TD Banks website. They were offering a {$150.00} sign up bonus for customers that satisfy a set of requirements provided in the terms and conditions. I opened the account through the link given and satisfied the conditions for the bonus, but never received the {$150.00} even though the payment deadline has already passed. I called the customer service, where an agent verified that the conditions were in fact met and confirmed that she does also not understand why the money wasnt paid and instructed me to call back in a few business days. After calling back today, I was told over the phone that my account has a comment added to it stating that my account is not eligible for the bonus. The way TD Bank operates this promotion is closer to a scam than a bonus offer and is completely ridiculous.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/2020 I took advantage of an offer on TargetXXXX to open an account. I then charged roughly {XXXX} to the card. I had NO communication with the bank until I called the bank in XXXX after being notified of a change to my credit bureau file by a third party. I then immediately contacted the customer service department and was told they needed to update my address, would take a payment for the full amount then waive the interest and late fees. The agent then proceeded to tell me that they city in my address was wrong but that he could not update that and the only thing he could do is attempt to send a card and replacement statements to me at the address they had on file. This was supposed to leave me with a XXXX} balance and have a card and statements on the way to me. After a few more months I logged into my third party account to check my credit for any changes and found a 30-59 days late notification for the XXXX statement. I still have not received ANY communication from the bank since I opened the account except for contact I initiated via the phone calls. I was very surprised considering I was told the balance was taken care of and not further payment was needed. After speaking to several people I found out that again I missed a payment, no statement received, and would need to make a payment for XXXX}. I asked to speak with a collections rep I updated the address to include the correct city then I asked for a fee waiver and then a supervisor. The supervisor told me she would not be waiving the interest charges due to the fact that I didn't contact them in XXXX or XXXX to make the payment for the remaining balance and that a 1 time courtesy credit for fees and interest was already given to me. I don't know why I am not receiving statements but it probably has something to do with the address on the account showing the wrong city. I explained that I live in a rural area of Utah and that if the post office received mail with the wrong city it OFTEN never arrives.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I discovered on or about XX/XX/XXXX that I was delinquent on a line of credit I purchased from Raymour and Flanagan. After I received the alert from XXXX I immediately called R & F. They apologized and told me that its best if I reach out to the creditors themselves, TD bank ( TDRCS/RAYMOUR & FLANIGAN ). I called them and was told they didnt have my correct address and thats why they never sent a bill ( not true they had my moms address where I used to live and NO BILL WAS SENT THERE ) When I asked them why they didnt call or email, they didnt have an answer and then the line disconnected. This happened at least 6 times! I would ask them challenging questions about their collection procedures and then the line would miraculously disconnect. No one would call me back-I had to call back. When I finally was fed up and wanted to speak to a manager they told me I had to put my name on a waitlist and that the manager would turn around in 48-72 hours! I have yet to get any call back. One of the semi-competent agents walked me through setting up an online account on their shoddy website and thats where I discovered my bill was first due in XXXX and as of date, I have missed two payments. I told her that considering the companys negligence and shady collection practices that they should extend my contract by the two months hence making my bill current and then erasing the report off my credit. She told me that all she could do was take {$40.00} off the bill and that I should have known that I owed a debt even without a bill because I made a purchase. Imagine that! When I disagreed with her, the line magically disconnected again.
Company Response:
State: RI
Zip: 02907
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone with my SS # opened a checking and savings account with TD Bank. It is frozen but I'm concerned about other accounts. I also had a hard inquiry on my credit report that I didn't do. Also, they opened it in my maiden name of XXXX XXXX XXXX
Company Response:
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got this account tha does not blong to me and i want it to be remove from my credit report. 1. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form 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 XXXX XXXX XXXX Date of inquiry : XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XXXX This is not mine. 4. Identity Theft XXXX XXXXXXXX Account Number : XXXX** This is not mine. 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX**** This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX** This is not mine. 7. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XXXX This is not mine. 8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XXXX This is not mine.
Company Response:
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A