Date Received: 2021-06-10
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened up a XXXX checking account to take advantage of a XXXX account opening bonus. I opened it on XX/XX/XXXX, fulfilled all the requirements by setting up direct deposit on XX/XX/XXXX and had cumulative direct deposits of over XXXX within 60 days of account opening. They only disclosed that : The 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. I had a previous checking account but had closed it in XX/XX/XXXX ( over 12 months prior to opening up this one ). The bonus was never applied. When I called to inquire, TD informed me that the offer was only good if you had NEVER had a checking account with them prior. This was never disclosed in any of the promotion or opening documents.
Company Response:
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XXXX - TD Bank - XX/XX/XXXX - present. I am having an ongoing problem with this companies online payment system. I submit a payment online successfully, only to find out later that they rejected my payment, I was never notified on this change. ( I have adequate funds to make this payment ), and they charge me an extra {$34.00} ( check assessment charge ). I have tried to call them ( their is no person to talk to via their customer service line. I have tried to email them and haven't received any response back or phone call., This has been the worst online payment experience I have ever had and regret signing up with XXXX to to purchase their products. I a senior citizen and a XXXX XXXX XXXX. I am very concerned that this ongoing issue is affecting my person. credit. Request immediate resolution to this problem. I have worked hard to be a good customer and make my payments and have received terrible customer service from this company. ( TD Bank handles the product financing and billing for XXXX )
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2021-06-10
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: recieved a package of checks tied to a newly opened account in my name from TD Bank
Company Response:
State: NY
Zip: 14227
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: 2021-06-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: file a dispute about incorrect items on my credit report and its been over 30 days with no response
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I applied for a mortgage loan with TD bank on XX/XX/XXXX ; since then, as a law abiding and disciplined individual, I have been submitting ALL the documents my loan officers, XXXX XXXX and XXXX XXXX, requested ASAP. In XXXX, I have sent them numerous emails with questions about an updated Closing Disclosure to reflect a reduced price for the house - NO RESPONSE ( they claim their service as " legendary '' ... ) Our lawyers and real estate agents have been discussing a prospective closing date for weeks, and the ladies have always been a part of these emails ( no response from them ). XXXX did let me know that the locked rate is expiring on XX/XX/XXXX, but did nothing to expedite a new Closing Disclosure document to reflect new numbers. I had to contact their supervisors, XXXX XXXX and XXXX XXXX, to ask for help and assistance. XXXX responded - she was excessively apologizing for her employee, XXXX XXXX, who neglected her duties. She assured me the rate would not change till XX/XX/XXXX. It took XXXX a couple of hours to update the Closing Disclosure ( CD ), and I signed a new one. We all finally agreed on XX/XX/XXXX ( today ) as the closing date. I was on my way to XXXX ( 2.5 hour drive from XXXX!!! ) when my lawyer called me to inform that TD bank people are not ready for the closing ... They did not finalize the paperwork or something like that. That is UNPROFESSIONAL, obnoxious, and so rude!!! They did not even call me to let me know of the " changes '' - and they have always been part of ALL my e-mails to the real estate agent/s and/or the lawyer/s. Everyone ( real estate agents, lawyers, myself ) got appalled by their " legendary '' service. If they plan to procrastinate in order to change the rate ( which is TD bank 's common practice ), it is not my fault and not my financial responsibility to pay for extension since XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX procrastinated with my mortgage. I ask for your help and assistance with my case. P. S. Eight years ago, I had an extremely painful experience with TD bank when I applied for a mortgage loan for my apartment in XXXX. At some point, I reached high rank TD officers in XXXX XXXX, NJ who helped me with the closing and financial issues created by unprofessional mortgage officers. I am so grateful for their assistance. I promised myself not to deal with TD bank in the future. Never say never ...
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is this account that does not belong to me and ai 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: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Somebody hacked my TD Online banking app and tried to use XXXX to transfer {$3000.00} out of my checking account on XX/XX/XXXX. They were able to transfer out XXXX. I called TD Bank and they restricted my account, and customer service told me that somebody in Maryland logged into my account and most likely stole my money. I went to my local branch and they opened new bank accounts for me and said they would investigate the missing {$2000.00}. I had to visit the local bank many times to try to fix this issue and secure my accounts and the people there were not very helpful and did not seem to care much about what happenned to me. I called a few weeks later after not getting any response, and they denied my claim and tried to say that it was me who made the transfers although thats not possible because the person who logged into my online banking according to their records was in Maryland and I was in New York at the time my account was hacked. They refuse to give me back the money and told me that it was not their problem.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit was damaged by a delinquent payment was due to a company error by incompetence, not a missed payment by me. Explanation : I often had trouble logging into the company website to make payments. Every month the system did not recognize my password and it would make me create a new one. In XXXX of 2020 I was not able to log into my account ( as usual ) to make a payment so I called to make the payment by phone. I also asked to Cancel my card due to the inconvenience. I was told during this call that I could go into the store to pay it, but this was not convenient at the time. I requested to pay it by phone and thought that it was taken care of. I requested a Cancellation confirmation, but never received one. The following month I received an email that my payment was due. I called to ask why I was receiving the email because I had closed my account. I was told that my account was not closed because I had a balance that was not paid off. ( Their report shows a balance of {$8.00} that was added to my account AFTER I closed it. ) I attempted to resolve this and once again requested a confirmation that my account would be closed. The following month I received another email about a pending balance on the account. By this point I was very upset and requested to speak to a manager to resolve any pending balances and close the account immediately and provide immediate confirmation of closure. The balances that I was accused of owing and missing payment were added to my account AFTER I had paid and requested for it to be closed. I had to call multiple times to get this resolved as several people failed to properly apply my final payment and close the account.
Company Response:
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2021 I paid off my Nordstrom credit card bill for {$490.00}. It is now XX/XX/2021 and the payment has not been applied to the account yet. When I have called their customer service number I have not been given a timeframe for when the payment will be applied. They have also said that is uncharacteristic of me to make large payments on the account and that is why the account is under review. I find this insulting and their statement is untrue. In a 12 month period I will make 2-3 large payments towards my debt. The rest of the time I pay between $ 80-100, more than the minimum.
Company Response:
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A