Date Received: 2023-10-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Td bank XXXX This company approved a credit card with a limit of $ XXXX for furniture at XXXX XXXX . I paid deposit immediately of $ XXXX for custom furniture at the store using the credit card number. I never received a credit card or a bill from this organization. Then one day they called me and told me I had an outstanding balance that was past due. I explained that I had never received a card or a bill from them and I paid the FULL balance immediately upon receiving the phone call. Nonetheless, this organization reported delinquency of less than 7 days to credit bureaus which had negatively impacted my credit. I have called them to no avail. I am requesting this be removed from my credit. I NEVER received a credit card or a bill from this organization. When I received a call from them I paid immedialetly.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My name is XXXX XXXX, and I am the owner of XXXX XXXX XXXXXXXX XXXX, a small business in Florida that has had a productive and successful partnership with TD Bank for over XXXX years. I am writing this complaint to bring to your attention an issue that has significantly impacted my business and livelihood. Around XX/XX/XXXX, I visited the TD Bank branch in XXXX XXXX, Florida, to report an ACH fraud incident that I did not initiate. The bank staff informed me that they would need to wait until the matter was resolved before taking any action. Subsequently, the ACH transaction was confirmed as fraudulent over the following XXXX days, and the bank advised me to open a new account, with the assurance that the XXXX department would return the amount. I acted promptly and, around XX/XX/XXXX, I opened a new account and the bank transferred the amount, believing that the issue had been resolved to my satisfaction. To my dismay, in XX/XX/XXXX, I received a collection letter demanding the exact amount that was supposed to have been returned by the fraud department. Distressed by this turn of events, I promptly visited the branch again, presented the collection letter, and sought assistance. The bank representative promised to investigate the matter and took my contact information. However, it wasn't until the middle of XX/XX/XXXX that I received a call from the bank representative who, to my shock, informed me that there was nothing the bank could do, and I would be required to pay the full amount. I was deeply perplexed by this sudden reversal, as I had received no communication, neither via email, mail, nor phone calls, explaining the reasons for this decision. To make matters worse, on XX/XX/XXXX, the bank deducted the disputed amount from my account without any prior notice or explanation. This situation has caused a significant financial burden on my business, and I have already had to let go of two employees due to the loss incurred. I kindly request that you review the details of this case and for the bank to reverse the unjust deduction from my account and provide a clear and transparent explanation for the course of events. My intention is not to challenge the bank but to seek an equitable and fair resolution that can help me recover from the financial distress this issue has caused my business.
Company Response:
State: FL
Zip: 33870
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello today ( XX/XX/23 ) I went to TD Bank located at XXXX XXXX in XXXX around XXXX. I went in to do a cash deposit of {$390.00} but it gave me back {$110.00} so Im missing {$280.00}. The ATM machine took my cash and told me to ask for customer service. It never gave me back my card or confirmed my deposit. I deposited the {$110.00} I got back from the ATM and was sent to wait for customer service. I was then told to wait till tomorrow ( XX/XX/23 ) to see if any changes occur on my bank statement. If there arent any changes I will visit TD bank to file a dispute with them. While searching online I read that this is a common occurrence with Td bank and that I should file a report to CFPB to help me with this.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I called several times on Wednesday XX/XX/2023 to get a credit card decision on a credit card that I applied for online and over and over again I was told I would have to go into a branch in order for it to be processed this is totally unheard of when you apply for this product online.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I called in to setup automatic payments on my card. They walked me through it over the phone and verified it was good to go and Id no longer be receiving paper statements. One month goes by and a letter shows up stating Im 30 days past due. I have never once made a late payment in my life. I made sure to verify multiple times that my auto pay was setup and I wouldnt be missing any payments. Their employee did not do it correctly and now Im being punished for their mistake.
Company Response:
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a brand new TD Bank Credit Card I am now told I must go into a local branch which I do not have enough time in the day to do so .....
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My Bank processed 3 fraudulent debits on a debit card linked to my business account. They credited me for 2 out of 3 with no explanation. They held me responsible for the only large charge over {$500.00}. They provided me with documentation that included the IP address used to generate the charge. Through my own research, I learned the IP address used was in XXXX. The Bank still refused to acknowledge or explain this. They told me to reach out to the online vendor who received my money. This is hubris because I do not know anything about the vendor. I met with 2 different branch managers who were stonewalled as I was. I reported this to the XXXX Department XXXX XXXX XXXX who referred me your office. My letter sent to your office in Iowa came back as undeliverable.
Company Response:
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX using the domain XXXX, which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm.
Company Response:
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed the same complaint XX/XX/XXXX, under complaint number XXXX. Recap, both XXXX and XXXX continues to report the error. XXXX XXXX has reported three late mortgage payments, which took place during the Cares Act forbearance period, and signed into law XXXX XXXX XXXX. I have 2 mortgages and a HELOC. In my first complaint the error was made in mortgage # 1 and to remedy the error the bank has moved the error to mortgage # 2. Neither mortgage or HELOC should have recorded delinquencies during the forbearance period. The error has resulted in a decline of my credit score and the reduction of lines of credit available to me, in several accounts. Why is the bank permitted to play XXXX? This error has resulted in a financial hardship to me and continues. Please address with them.
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A