Date Received: 2021-05-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We have a XXXX XXXX XXXX Account with a promotional rate. As such, I try to be careful to pay more than minimum and early. I have had a couple times where I thought I was paid a month ahead and received a late fee, but things happen and I didn't complain. Then on XX/XX/XXXX, the primary on the account received a 'Collections ' call. The person calling stated that we hadn't made a payment since XXXX and she wanted to help us figure out our account. My husband called me wondering what happened and I called the company to straighten it out. On XX/XX/XXXX, I called the customer service number on our statement. I told the person that called that I had made a Payment on XX/XX/XXXX and another on XX/XX/XXXX ; my records indicated that I was not due until XX/XX/2021. The person confirmed the payments posted on the days mentioned. I stated, " oh, you must have a cycle thing that won't advance the due date. I will need to get that cycle date so that I can be sure to wait for them in the future. '' Then asked him to repost the last payment and remove the late charge. He told me that he could remove the late fee as a 'one time courtesy credit ' AFTER I paid the past due balance. I got angry and said 'what past due amount, you just confirmed 2 payments posted. ' He stated the I had to pay the past due of {$1300.00} ; when I persisted with where that number came from I was told, $ xxx for XXXX and $ XXXX for XXXX and the late fee. I said are you joking, you want me to pre-pay my account before you will fix a posting error? This went back and forth a couple times then I asked to speak to a supervisor. He stated " I will transfer you to a supervisor so she can tell you the same thing. ". Not terribly professional or friendly, but these things happen. The supervisor was possibly more unprofessional and stated that she wouldn't re-post anything and she might refund the late fee after I paid the {$1300.00}. I told her I was NOT pre-paying my account, but I was getting ready to make a payment in the next couple days so I would make a payment so they could take care of the late fee. A couple days later my bill came in ; it reflected the next due as XX/XX/XXXX and a late fee assessed on XX/XX/XXXX! I then decided to post a complaint on their web-site thinking that the management level would care. This email went out on the evening of XX/XX/XXXX. I received auto responses from the ombudsman email and the customer care email. I did receive a call on the afternoon of XX/XX/XXXX, the customer service person calling did not speak clearly and I couldn't understand her name. I returned a call to the customer service, the same that I started with, and asked what the other person was calling about or if they could put me in contact with that person. I was told she was calling to tell me that she was going to give me a " one-time courtesy credit '' of the late fee. I advised that wasn't good enough, I want my payment history reviewed and properly applied. I want previous late fees reversed if I was not actually late. It was never disclosed that I needed to make a payment every calendar month. Nor was I made aware that there was a billing cycle to work around. I simply want the company to properly post the payments that I have made and advise me of the cycle date, so that I can be sure to send payments after that date in the future. It think it is sad that I had to resort to this. I can provide a copy of the email sent to the company.
Company Response:
State: WA
Zip: 98271
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Today XX/XX/2021, i received by mail a package fromTD Bank XXXX with checking book, account number XXXX under XXXX XXXX phone number XXXX XXXX : i did not request any opening account at TD bank ; I called XXXX, I spoke with XXXX, and reported fraud activity. I contacted the local bank XXXX XXXX where the account was opened, I spoke with XXXX, he confirmed the account was opened as email request on XX/XX/XXXX, and no current activity reported ; I requested to close the account, and verification of the closing account. I called Privacy Assist Services ; they notified me that there is a request for loan under my name for US Small Business Administration for a " beauty salon '', " XXXX XXXX XXXX and XXXX '' with a phone number XXXX XXXX is the name and phone number used at TD Bank, and is the same line of business for the loan request. i place a fraud alert on XXXX, with extension to XXXX XXXX
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/21 my parents called me that they received checks in the mail for TD Bank. I no longer live at that address and did not open an account or order checks with TD. I ahve never had an account there. I have contacted TD Bank and they assured me that their fraud department would close the account and investigate it but that I still needed to report it.
Company Response:
State: NJ
Zip: 07724
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/21 we spoke to manager XXXX regarding a XXXX late fee on our account. We were never late as it is set to auto pay electronically. We were told their bank was closed that day and that is why the payment did not post until one day later. We were told if we paid XXXX that day that they would waive the other late fee. Our payments were only XXXX and we had another payment coming out autmatically for XXXX put we paid via phone that day the extra XXXX. That would put us a month ahead, but that was fine so that this did not happen again. Now in XXXX we are turned over to collections and they say that we owe XXXX because we did not pay the XXXX late fee and it has accumulated another XXXX. We sent a print out of all of our electronic payments and none have been late. We are refusing to pay the late fee and they are saying that they can not waive them.
Company Response:
State: AL
Zip: 36701
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX XXXX I received a call from someone saying they are from XXXX and that my services will be disconnected if I don't pay. First it was the minimum of XXXX he said the system wasn't accepting the price that I had to pay XXXX so my service wouldn't be cancel. I called TD bank thet my said its nothing they can do about it.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter today dated XXXX from TDD Retail Card Services regarding an application under an incorrect name with my personal home address, and likely my SSN. The fraudster is usuing my address, my first name with my mother maiden name. my mother is deceased. The fraudster had recently also used this name to try and collect unemployment benefits from XXXX. I have filed with them separately.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: My business account with TD Bank was recently charged almost {$2000.00} by a company called XXXX I've requested that my disputes be expedited. I've been stuck in XXXX Tennessee without money also my XXXX XXXXXXXX XXXX was skimmed I've called td bank everyday begging them to process these transactions so I can get my money back. Apparently TD allows their managers to hang up on customers.
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There was a corporate debit XXXX XXXX XXXX, XXXX not authorized in the amount of {$2900.00} from my TD bank account on XX/XX/XXXX XXXX transfer thru an ach went to XXXX XXXX . XXXX IDENIFICATION number XXXX on line payment, not done from my initiating TD Bank. I spoke to XXXX customer service XXXX XXXX on XX/XX/XXXX XXXX ; XXXX XXXX est ... merchant she said was an online payment ph # XXXX. CONTACTED XXXX XXXX / XXXX XXXX @ XXXX NO SUCCESS I have been trying for one year to retreive funds with no success, from either banks..td and XXXX. NEED HELP! ALSO NOTIFIED THE LOCAL POLICE WHO ISSUED XXXX TO BOTH BANKS. STILL OUT THE MONEY, THIS IS A CLEAR CASE OF FRAUD THANK YOU! XXXX
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Target is reporting a debt on my credit file that I do not owe. I recently took a look at my credit and noticed this debt. I immediately called and settled this debt with them. I however, was never given calls, letters or notices about this debt before it reported on my credit file. This is a violation of my 30 day right to dispute and it must be removed.
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a alert on yesterday XXXX from XXXX XXXX that a hard inquiry had been placed on my report. Mind you I went no where and signed nothing to have my credit pulled on yesterday. This is fraud and I want it removed from all major credit reports XXXX, XXXX, and XXXX should not show anything being posted to my credit report for XX/XX/2021. I want to file charges on whomever was allowed to do use my credit as it took me a long time to rebuild my credit and I will not allowing anyone to get away with this. This is a serious matter and I want it to be taken as a serious matter or I will contact a lawyer and sue. I am really XXXX about this the fact that someone can use your credit without your permission or consent is totally unacceptable. This is not a game this is my credit that I take seriously since it has taken me almost Five years to rebuild and for someone to be playing these types of games I want to prosecute them to the fullest extent of the law. I don't want any excuses only answer and ASAP.
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A