Date Received: 2021-04-21
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Roughly 3 years ago I had an account with TD bank that I barely used with > {$200.00} in it. At some point I was told it was closed and sent to collections for XXXX {$250.00}. After dealing with the bank for roughly a year I was told they made a mistake and it was put in overdraft when it shouldn't have been. That if I agreed to just calling it a wash on both parts they would pull it out of collections and XXXX out the account. 6 months later I found out it was back in collections. After speaking to the bank it was taken back out ... Until 3 months after that I found out it was back in collections again. I have recordings of all my calls, and emails where they stated it had been XXXX 'd out. I have left countless messages and emails, none of which have been returned.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX, TD took over {$700.00} USD out of my account ( see below ) Stimullus Temp CR Reversal XXXX They stated they had given a credit to my account for the stimulus and took it back. I never had any notice that my account had been credited for any loan/credit or anything of the sort. I opted to " go paperless '' and receive my statements etc. electronically. Customer Service advised I had been given notice by a letter. I also advise them almost monthly that I have been traveling for the last 3 years. This has caused my account to go deeply in the hole and am going to have to borrow money for rent and food next month. This bank constantly rips off the consumer and the government does very little about it. Rigged penny arcades : Minor fine. Structuring of Transactions for over a XXXX USD in false charges a XXXX XXXX settlement. Not alot of incentive when that gives them about an 85 % profit margin for criminal fraud. You people do nothing to the banks when they conduct illicit activitiy, because the banks have Congress in their pocket. What are you going to do about this? I know. Nothing.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Td financing for proform order never recieved was canceled and they still reported to the credit bereau they order was shipped and my balance was XXXX due
Company Response:
State: VA
Zip: 24112
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I went TD Banks XXXX XXXX XXXX, XXXX XXXX approximately XX/XX/2021 XXXX. The teller denied me services after I produced my State ID and my prepaid card. The teller informed that my name was on the card and she refused to allowed to obtain the funds off my prepaid card.I received service on this card from another TD Bank XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/2021. I was forced to travel 3 to 4 miles and received services from another TD Bank. I believe the teller discriminated against me because I was a person of color. The other tellers that assist me were person of color and had no issues removing the funds of my prepaid card. I reached out to customer service so I could retrieve the teller name form the bank manager XXXX XXXX. He has not responded to my request.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have an account with TD Retail Card Services for a Raymour and Flanigan Store purchase. I made all my payments, one payment I made early, the card company applied this separate payment to the principal on the card and refuses to apply it as a payment because it was early. I literally paid this company early and they reported it to my credit as being late because of they way it was applied. I have tried disputing this, and calling them, I even had a representative agree that this was wrong but they could do nothing about it. I believe the reason for this was because it was an interest free credit purchase, so if they can call it late and apply my payment like this the terms are no longer interest free and they can start charging me fees on top of the interest. I need help, I want my payment applied correctly as a PAYMENT and not principal only and this removed from my three credit reports. A company should not be allowed to do this to consumer 's. Also, I requested that the company close my account, and they still have not closed it and reported as closed to the credit bureaus. I even submitted a dispute and they denied reporting as closed. I need help getting this company to do the right thing. I have bank records as proof of this payment and email proof of my request to close this account.
Company Response:
State: PA
Zip: 169XX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I used to have a credit card for Nordstrom 's. A store I used to love. The card is issued through TD BANK. I lost my card on a flight, or at the airport, then my card was used in XXXX XXXX, Ca. I do not live in California and do not jump states to shop. I advised Nordstrom 's credit department of the fraud and they began a dispute. Initially, the dispute was resolved in my favor, as it should be. At the last minute, the decision was reversed and I was told I was the person who made the purchases. I know I did not. I was told that someone XXXX who looked like the person on my DL was in the store. I was not only offended, but this was right before the United States began to really face and evaluate the racism that companies, schools, and government institutions benefit from in a systemically XXXX world. At the time I was appalled, offended, and embarrassed that I was, in this decade being told that all XXXX people look alike essentially. I was told this by a customer service or disputes manager after I asked to be escalated because the original representative tasked to help me come off as rude, defensive, and honestly treated me like a criminal. I was hurt and now this balance, a balance I did not charge is not only in collections, but it is ruining my life. I not only experienced terrible customer service but to treated in a way that made me feel inferior was and is unacceptable. TD BANK and Nordstroms decided to send this balance to collections, it is not at a 3rd part company that harasses me and has reported on my credit. I am not a giant company, but at this point, it is me against them. I offered to file a police report at the time, and the manager basically laughed me off the phone. I said I could easily contact the local XXXX police to file one because I know for 100 % fact that I did not make the charges they accused me of. This has been very difficult for me and has caused me enough mental distress. I really need this conapny to step up and in and do what is right.
Company Response:
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Checks were ordered in my name using my Social Security, Birth Date, and all other pertinent information.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXXfair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : XXXXproceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : TD BANK USA/TARGET ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I lost my job during the shelter in place order mandated in XXXX of 2020. I used my savings to continue paying my rent and bills however once that ran out I had credit accounts go into delinquency. I was able to negotiate hardship terms for most of my cards however both times I called and explained my situation to account representatives, they said they were unable to remove late fees due to their company policy. I called on two different occasions between the months of XXXX XX/XX/2020. By late fall, I had been charged several fees which made paying the minimum due to bring the account current impossible. I am on unemployment and receive {$400.00} a week. This is not nearly enough to live on but it's all I have. I would like to settle this account as soon as possible to end the negative remarks being reported each month. My credit score is very low and this account is one of the reasons why. I have remained current on all other cards who worked out payment plans and have paid off over 3 accounts however my score only drops further instead of showing any improvements.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX I checked the mail and noticed two packages from TDbank with checkbooks I never ordered because I do not have an account or accounts with that bank. I called TDbanks costumer service number to see if the accounts actually exist and I entered the last 4 digits of my social and it actually took me to account information. I then hung up and call TDs fraud number. The checks have my address but both have phone numbers I have never seen before.
Company Response:
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A