Date Received: 2021-04-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX PLEASE REFER TO THIS COMPLAINT FILED XXXX. TD Bank had given me provisional credit for unauthorized ATM charges {$260.00}, but hen reversed it on XX/XX/XXXX, XXXX i had filed a police complaint about the hacked bank account but TDbank has refused to help me. Even thought the proof of purchase given by merchant XXXX shows someone in XXXX has hacked my account. Please help
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX TD Auto finance ran my credit with out my authorization and it hit my credit score hard. I have reached out to TD Auto finance by mail about this issue twice and there was no responses from TD Auto Finance I mailed out dispute letters on XX/XX/XXXX and XX/XX/XXXX. The phone number that is reported on the credit report for this company is disconnected. I had to XXXX the company number and reach out to them and left several voicemail and no one contacted me back about this matter. I have giving them plenty of time to get this issue resolved. And I just want to have this inquiry taken off my credit report.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account in response to a promotional offer on XX/XX/XXXX. The prevailing Supplement to TD Bank 's Personal Deposit Account Agreement, dated XX/XX/XXXX, said " Checking offer is not available to existing TD Bank checking Customers or prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months '' and explained the " Checking Offer '' as follows : " To qualify for the {$300.00} personal checking cash bonus : New personal checking Customers must open a TD Beyond Checking account and receive cumulative qualifying direct deposit funds of {$2500.00} or more into the new account within 60 calendar days of the account opening date. '' I had a checking account with TD Bank in the past, but that account was definitely closed before XX/XX/XXXX, so the Checking Offer was available to me as per the Supplement alluded to in the second sentence above. I opened the account and received cumulative direct deposit funds from my employer in the amount of {$3300.00} between XX/XX/XXXX and XX/XX/XXXX in three tranches - {$1100.00} on XX/XX/XXXX, {$1100.00} on XX/XX/XXXX, and {$1100.00} on XX/XX/XXXX. Note that XX/XX/XXXX is within 60 calendar days of XX/XX/XXXX. When I did not get the bonus after 140 days ( that was the waiting period, as disclosed by TD Bank at the time of account opening ), I sent a message on XX/XX/XXXX using the secure messaging system of the online banking portal. TD Bank responded on XX/XX/XXXX : " We have emailed the promotional offer review team. They have responded informing us that the account did not qualify for the promotional offer due to receiving a bonus on a previous account. Upon review, an account opened in XXXX received a {$200.00} bonus. '' I pointed out on XX/XX/XXXX : " The promotional offer stated '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. ' Now your team is telling me that I am not eligible because I received a bonus on a previous account. Sounds like terms and conditions being changed after the fact. Looking forward to your response. '' The response came on XX/XX/XXXX : " Thank you for reaching back out to us. We apologize for any confusion. Customers can only ear a bonus for one checking and one savings account. Thank you for your time and be well! " Either the promotional offer was deliberately misinforming the customer or TD Bank wanted to rewrite their advertisement after the fact.
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was paid in full, Credit line was opened XX/XX/XXXX and last reported on credit on XX/XX/XXXX. Under the Fair Credit Reporting Act, We never received any written, oral or email notification that this account was going to collection or would be reported to the credit bureau.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: During the first week of XXXX, I was informed TD Bank initiated to close my account and I would receive my remaining account balance in form of a check sent through the mail. Since that time, I have gone to the branch multiple times, stood for long hours under the sun, and on some days in the rain-soaked wet which made me very very unhappy because I am sick ( being in those conditions is dangerous for my health ) and after all those distressing waits the only answer I kept on getting was " the account is not closed yet but will be closed and I would receive a check in the mail. '' When will it be closed? Why is it not closed yet? I never got an answer to those questions. I resorted to getting somebody from a different office on the phone hoping that they couId help me solve this issue but I was just taken back to the same problem. I spent so many hours on the phone to be repeatedly told by each and every customer care agent the same exact thing that I should go to the usual branch I went to on XXXX XXXX XXXX XXXX and they would close the account then they would either hand me a check or send it in the mail. This never happened and whenever I went to the branch office I had to go through the same heart-breaking experience. Imagine yourself going to the bank about twice a week, WITH A HEALTH CONDITION standing under the sun and sometimes under the rain. This could cause me serious health consequences during a time when any sickness could be fatal. Today the branch manager XXXX XXXX XXXX told me the same thing he has been telling me for the past months that he is sorry but there is nothing he can do for me and this is out of his hands ; how is this a solution from a branch manager. An account closure is not so complex but why is my situation different? I never had an answer to that. I told the branch manager I am honestly very annoyed and have tried my best to be as humble and polite as possible but it is clear they are unwilling to help me. I have tried every possible polite way to get this resolved. Frankly, I am very angry and disappointed. I have suffered physically, financially, and mentally just to get an account closed. I should not have to go through all of this just to get my money back. Please help me close my account and send me my balance. Thank you
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
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 sent in my police report and my notarized affdavit to XXXX. I called last month and talked to XXXX from the fraud department who asked me to send in my fraud package. after sending it to them they did not comply with anything and said they don't have to block the fraudulent account even after going to the XXXX XXXX XXXX Police Dept and filing a police report in person. they sent me some generated letter saying if i want to block the fraudulent account to send it my Police report and affidavit that i have provided them. Today at exactly XXXX XXXX i spoke to XXXX who said he was fraud department integrity team and completely said he won't do anything and he didn't care what XXXX told me and said he doesn't have to follow the FCRA rules. I told him i got some letter saying if i wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605B I told asked him to transfer me to a supervisor and he hung up on me. I have done everything in my power to fix this fraudulent information if this is not fixed my only option is to file a lawsuit
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, Ive contact XXXX about 10 times to have these injuries removed and for some reason they haven't, not there is a new injuries on my account not understanding why they will allow if I and fraud alert on my account. please remove these injuries off my report XXXX XXXX XXXX TD bank XXXXXXXX
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I sent TD Bank a letter twice requesting that they contact me to let me know that I have no financial liability because this account was opened illegally in my name and I have received no response to date.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
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 am a TD card services customer. My card was charged without my authorization four times in XXXX and XXXX of 2020 for {$89.00}, {$89.00}, {$89.00} and {$89.00} for the total of {$350.00}. Two packages were delivered to my mailbox, two bottles in each. I previously ordered another item for {$6.00} from that merchant on XXXX/XXXX/20. I never got that item, instead those four tiny bottles for about {$90.00} each were delivered. That is some price that I can not afford, that is why I could not have possibly ordered those products. I mailed all four bottles intact to the merchant on XXXX/XXXX/20, since I never had ordered them in the first place. I disputed those charges. I also provided the postal receipt showing that the items were returned to the merchant. I was so upset, that decided to close the account on XXXX/XXXX/20. TD card services were investigating the matter for more than a month and notified me in a letter dated XX/XX/XXXX20 that they do not believe a billing error has occurred. I, on the other hand, know as a fact, that l did not order these four bottles. My Case Number is : XXXX
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a revolving XXXX account and had a monthly charge for a phone protection plan that was {$12.00}. In XXXX, XXXX, I purchased a new phone elsewhere and didn't need this protection plan any longer. I went online to XXXX and canceled the plan. I received another billing late in XXXX and decided to pay it in XXXX thinking maybe I did owe one more month. I received another billing in XXXX with new charges. I called the company, XXXX XXXX XXXX XXXX, that sent this billing saying I was late. They told me I had to call XXXX directly, but the number I had took me back to XXXX. I wrote a letter to them about the situation and included Samsung.s complaint form that I found online. I sent that letter on XX/XX/XXXX. Approximately XX/XX/XXXX I received a letter from XXXX saying they had received my letter and that they were investigating and I needed to continue making payments. Nope not happening because I would never get a refund and felt I didn't owe the money since I had canceled to plan. I have heard nothing more except to continue to receive late notices and when trying to call I sit on hold for hours and end up hanging up. We are in month 4 of this dispute and still not resolved.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A