Date Received: 2021-06-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Today, XX/XX/2021, I received a statement via snail mail for a TD Convenience Checking account for the period XX/XX/2021 - XX/XX/2021. I did not open the account. I immediately called TD Bank XXXX to inform them of the fraud. I spoke with '' XXXX '' who said that he would speak with the fraud department and let them know. I asked him to email me a statement that I had reported the fraud, as proof that they are aware of the fraud and that I have reported it. He refused. I insisted that I need some proof that TD is aware that it is fraudulent, in case somebody tried to take out a loan or credit card in my name. He refused, then hung up on me.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Spoke to Nordstrom Card Services About Removing the Late Payments from XX/XX/XXXX to XX/XX/XXXX. At that time, I faced a hardship. I was turned down from a Job I was recently hired for due to the Covid Virus Spreading and Starting the Worldwide Pandemic. I was unable to make payments. I Tried to pay What I could, but I Didnt get Hired for Another Job Until mid/late XX/XX/XXXX. I was then Able to catch up on my payments in Early XX/XX/XXXX. Being a Card Member since XXXX - and the pandemic - I Thought Theyd have some leniency. In XX/XX/XXXX I spoke to Customer Service Trying to Explain and Resolve the Issue. They Stated they Could have the Late Payment Fees ( {$38.00} per late month ) Removed for XX/XX/XXXX and XX/XX/XXXX, but Not the Actual Late Payment Mark itself on My Credit Reports. Even if all the late payment marks from XXXX couldn't be removed from my report, at least the Months of XX/XX/XXXX and XX/XX/XXXX Where they Forgave and Adjusted the late payment fees should have been. This is not the first time this has happened. Since I Caught Up on My Payments in XX/XX/XXXX, I have NOT been late since. I Made Another Phone Call to Customer Service Last Week ( XX/XX/XXXX XXXX. I was told again that the Late Payment Marks for XXXX could not be removed. I don't understand why. I Do Believe Its Unfair Only Due to the Fact That The World had Been forced into an Unforeseen Pandemic. I Have Also tried disputing it with no luck. The Late Payments are Hurting My Score That I am Actively Trying to Improve Everyday. Please have these derogatory marks Removed due to the Financial Hardship I Faced and The Federal Declared Disaster. I Have Also Been In Good Standing with On Time Payments and Will Continue to Do So.
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I opened a TD checking account in response to a TD Bank {$300.00} bonus offer for 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. On XX/XX/XXXX, I opened a TD savings account in response to a TD Bank {$200.00} bonus offer for opening a TD savings account with {$20000.00} or more in new funds deposited into the new account within 20 days and maintaining a balance of at least {$20000.00} for 90 days. After opening the savings account in XX/XX/XXXX, I realized that offer terms stated that customers who received a bonus on a prior checking and/or savings account do not qualify. That's why I did not complete the requirements for the savings offer. Then, I reviewed the offer terms for my checking account opened in XX/XX/XXXX and noticed that restriction was not included at that time. Therefore, I am eligible for the {$300.00} bonus because my previous checking account was closed at the beginning of XX/XX/XXXX before the 12 months exclusion period defined in the XX/XX/XXXX checking offer. After fulfilling the checking offer requirements and not receiving the {$300.00} promised bonus, I contacted XXXX XXXX XXXX, Assistant Store Manager at TD Bank branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX who submitted a complaint to TD Bank on my behalf on 05/14/2021. As per TD Bank response on XX/XX/XXXX, I did not qualify for the {$300.00} bonus due to not meeting the " one bonus per account per customer and can not be combined with any other offer '' requirement included in that offer. The " one bonus per account per customer '' requirement is a very common bonus offer term used by all banks and refers to the fact that the customer can receive the bonus only for one account of that type in the offer. In other words, if the client opens several checking accounts at the same time under the same offer, they will receive the bonus for a single checking account. The " offer can not be combined with any other offer '' requirement is also a very common bonus offer term used by all banks and refers to the fact that the same account can not be used to satisfy several available offers at the same time. In other words, if there are several bonus offers for checking accounts available at the same time, the checking account will receive the bonus for only one of those offers, which is normally the original offer under which the account was opened unless something different is specified in the terms of the offer. The " one bonus per account per customer and can not be combined with any other offer '' requirement is included in both the XX/XX/XXXX offer and the XX/XX/XXXX offer. However, the " customers who received a bonus on a prior checking and/or savings account do not qualify '' requirement is included only in the XX/XX/XXXX offer. If the " one bonus per account per customer and can not be combined with any other offer '' requirement of the XX/XX/XXXX offer automatically invalidated customers who had previously received a bonus, why did the new accounts promotions department took the extra step of explicitly adding the " customers who received a bonus on a prior checking and/or savings account do not qualify '' requirement to the XX/XX/XXXX offer? Very simple because many clients complained that they had been encouraged to open new accounts with misleading terms and in the end they did not receive the promised bonus. Adding the extra requirement to the XX/XX/XXXX offer is a tacit acceptance by the new accounts promotions department that the terms were not clearly defined in the XX/XX/XXXX offer.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: This is my 3rd complain regarding TD Bank that does not honor the {$200.00} sign up bonus. I believe the reason given was either technical glitch or fraudulent activity. On the TD Bank respond datedXX/XX/2020 ; the reason why I have been disqualified for the {$200.00} bonus because I made a {$1500.00} transfer on XX/XX/XXXX which was reflected on the Saving Account statement dated XX/XX/2020. However, I believe that transfer was not made by me. I believe that transfer was either technical glitch or fraud for the following reasons : 1. On the Saving statement ended XX/XX/20, the transaction on XX/XX/XXXX was marked as Transfer FROM Checking Account. It was NOT marked as Transfer TO Checking account. 2. On the Checking account ended XX/XX/20, there was a transaction on XX/XX/XXXX that showed the {$1500.00} transfer from Saving to Checking. However, there was no transaction recorded that show the XX/XX/XXXX transfer from Checking to Saving in the Checking Statement ended XX/XX/2020that is supposed to be synched with the Saving Statement XX/XX/2020. Therefore, there is no complete synched records on both Saving and Checking statements. Too many errors that are not synch. TD Bank has no strong evidence to say that I was the one that made that {$1500.00} transfer from Saving to Checking account. I believe that {$1500.00} was either technical glitch or fraud. 3. When I first saw those transaction back in XXXX 2020, I believed it was just technical glitched. So, I asked Customer Service through TD messaging system about it. On the message dated XX/XX/XXXX, I was assured that I was still qualified for the bonus despite {$15.00} maintenance fee. Therefore, I let my money stay in TD Saving account and wait for the bonus. So, consideration has been given based on the contract that has been made. 4. TD Bank fail to give me proof that the transfer on XXXX/2020 per Checking statement was really happened and initiated by the account holder. 5. I dont believe I made such a mistake that disqualify me for the {$200.00} bonus. I am pretty good in this type of game. The fact that now TDBank uses it as an excuse to disqualify me to get the bonus that I am entitled to ; that makes me suspicious that the glitch was fraudulent all along as way to trick customer especially the one with immigrants name like mine. Please send me the {$200.00} check to my home address.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I did not receive the letter mailed-by TD Auto Finance at the above address inXX/XX/XXXXabout the last payment due. As you can see, my account was on autopay, so I assumed, like all other payments, the amount will automatically be withdrawing out of my bank account on the file. The only letter I received about the last payment due was on XX/XX/. Upon receiving this letter, I promptly paid the amount owing for the final payment. Then I received another letter dated XX/XX/, notifying me, We may report information about your account to credit bureaus. Late payment, missed payments, or other defaults on your account may be reflected in your credit report. I have always paid all my installments on time, never have I been late. Also, I was not aware that the last payment is made manually. I urge you, and please do not report to credit bureaus of this late payment as this was a misunderstanding and unintentional error. Please reinvestigate this matter and correct the disputed item as soon as possible. Do not hesitate to reach out to me on my cell ( XXXX ) XXXX
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: After receiving a checking account packet and credit card in my mail on XX/XX/2021, I immediately contacted the bank where these items were from and explained that a fraudulent account was opened using my personal information. After speaking with three persons and spending an exuberant amount of time on the phone, I received no confirmation the account was actually cancelled. I asked for a confirmation number and was told they didnt have one to give me. I asked about sending a confirmation to my email and was told I wouldnt receive that either. I explained that other forms of fraudulent activity were taking place against me and that someone has already tried to file a fraudulent unemployment claim with my employer. I stressed that I need some confirmation the accounts have been cancelled and was told that they would send it to their XXXX XXXX XXXX XXXX department but I probably would not hear from anyone! I have not been a XXXX XXXX in over 7 years! The number they claim they tried to contact me at is not mine!
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XX/XX/2021 Someone opened a target credit card in my name. I only found out when I received the card on the mail. I called Target to verify if it was an actual credit card. The representative informed me it was opened XX/XX/XXXX.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I called to request TD Bank who operates the Target XXXX Card for a balance letter faxed to my personal fax. They refused and told me they only fax those types of letters directly to banks or mortgage companies. They would mail it to me. I need that letter sooner as I am needing to send it to the credit bureaus so that my correct balance is reflected on my credit report. I can't believe they won't provide that service to a customer. I have had that card for about 4 years. Increasing my credit rating helps me to get better interest rates and saves me alot of money. They could care less. It is despicable that with all the interest that I pay them they can't do a simple request for me. To send that letter to the credit bureaus and have the credit bureaus update my information and score as quick as possible is very important to me. I had 6 other credit card companies fax me a balance letter. TD was the only one that didn't. It is horrible to me that they could care less about me. I also was hung up on twice. It is my account and my information, why is it that difficult for them to send a letter to my personal fax number?
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have reached out to the company in regards to this matter, and it still haven't been resolved. This is not my debt and i have never had a car loan.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: After being reporting false payment history and balance information and MANY submissions through all 3 credit bureaus, Ive provided evidence showing all payments Ive made and the reported balance is incorrect.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A