Date Received: 2021-04-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Due to an account takeover attempt at another bank, my bank accounts were all closed and I was issued new bank account numbers. Changing the account number for TD to ach my monthly mortgage payment has been time consuming and full of mistakes. I repeatedly asked for a supervisor to email me and never got one. I need XXXXt to : XXXX. Waive their three ach payments returned and your kicked off ach rule. XXXX. Correct the amount of the ACH withdraw to match the required loan payment, adjusted accordingly for changes in escrow. TD either incorrectly setup the monthly payment via ach, or provided the wrong form when I requested to change the account. The required payment and an extra principal payment is being removed. Third, it should not require a paper form and a check in this day and age to change an account number. Fourth, I should not have to wait on hold for an hour each time to pay them. Their website was not able to take a one off payment. XXXX, it should not take weeks to process an account number change. This made it so that I had to sit on hold and extra hour because they had not updated my account in time. It took 4 hours of my time to change the account number and pay td bank in the interim while they changed the account number. That's just crazy when you multiply that times the number of customers. This should be processed online.
Company Response:
State: MA
Zip: 02115
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Dear Sir/Madam, I received a promotional bonus offer letter from TD Bank on XXXX, saying if I open a TD Beyond Checking and make direct deposit funds of {$2500.00} or more, I can then receive a {$300.00} bonus ; similar if I open a TD Beyond Savings and deposit and maintain a daily balance over {$20000.00} for 90 days, I can also receive a {$200.00} bonus. I have completed the checking offer requirement by XXXX and the savings offer requirement by XXXX, but as of today, I still didn't receive either bonus. After contacting TD bank, I received the following statement : " Upon review, this account was opened using our Direct mailer campaign site. This was not an online offer. '' " In order to qualify for the Direct Mailer campaign, you must have received a mailer and the name and address on the mailer must match the name and address on the account. These offers are not transferrable. Unfortunately, the account does not qualify for a promotional bonus. '' It is absurd that I indeed received a mailer/letter on XXXX as I mentioned in the very beginning, and I followed each step to complete the requirement, but still could not receive the bonus. I would like CFPB to be involved in this case, and please help me to reach out to TD Bank, and further investigate this situation. I have attached the mailer I received as photos in this complaint. Thank you very much, XXXX XXXX
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
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: On XXXX I went for my weekly XXXX visit. I usually pay with my TD Visa card. On this particular day I could not use my Visa card. The " XXXX '' had trouble accepting my card. I paid {$35.00} in cash, usual cost of a visit. On my XX/XX/XXXX - XX/XX/2020 TD Visa card statement I was charged {$110.00}. I disputed the charge with Visa. I provided a letter from my doctor stating I paid cash that day. The doctor also informed me that he never received a payment the " XXXX '' either. Talking with Visa they stated that they needed more information from me, but never told me what that information was. Visa denied my claim. Case # XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: First Name : XXXX XXXX Name : XXXX Last Name : XXXX XXXX : United XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX : TX XXXX : XXXX Phone : XXXX E-mail : XXXX What is the best way to contact you? Phone, E-mail When is the best time to contact you? Morning, Afternoon, Evening Name of MY Financial Institution or Company XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX City : XXXX XXXX : GA XXXX : XXXX Phone : XXXX Have you tried to resolve your complaint with your financial institution or YES If Yes, when? XX/XX/2021 How? Phone Has the financial institution responded to your complaint? YES If XXXX, when? XX/XX/2021 How? Phone I am part of an ongoing consumer fraud case on a large scale. I was defrauded XXXX XXXX on a boat purchase through a consignment company called XXXX XXXX AZ, XXXX. This transaction was set up on XX/XX/2021 through a posting of a boat for sale on XXXX XXXX XXXX. I reached out to the seller that directed me to the consignment company with an inventory number. I went onto XXXXwebsite and put in this inventory number. The boat came up that we were discussing. I was directed to set up a transaction request with the company on their website. Later on that day I was contacted by a sales associate of XXXX XXXX Az XXXX XXXX XXXX XXXX XXXX. He then ran through the information of the boat and sent me the buyer 's contract through the website via email. I signed this agreement and sent it back to the company. At this point, I had to set up a transfer from my bank XXXX XXXX Georgia to TD bank in XXXX Florida. Bank XXXX as follows : XXXX XXXX XXXX, XXXX, FL XXXX phone number ( XXXX ) XXXX *I have all banking information for that account at XXXX as well upon request* I contacted my bank on Monday, XX/XX/XXXX to set up the transfer. Before I went forward with the transaction transfer, I spoke with the wiring room about the protections I would have for this transfer because of the amount being XXXX and was pretty much all of my savings for said investment into a fishing boat. They stated the transfer will go through the fraud system to check that the information isn't a red flag and that if the company were to take my money and run that I would be protected through their fraud department. I stated that if my money isn't protected I would not go ahead with the purchase. The individual setting up the transfer said yes, of course, you should be like but no worries. You will be ok and covered. I said awesome, go ahead with the transfer. I received a transfer confirmation email too which I sent over to the company to show payment so they can then ship the boat to me for inspection. This company offered a XXXX-day return policy after the delivery similar to a lot of companies during covid XXXX. Unfortunately, after the company received the funds they halted all communications with me. I requested a refund via the company page as I was unable to get through via phone with XXXX XXXX. I then followed up to call the bank to return the funds as they stated they would in the event of consumer fraud. The individual on the phone said we can try and request a return of funds but no guarantees. I was a little upset as this is not what I was told previously. I requested for this to go to the fraud department and for all phone recordings to be listened to. XXXX followed up with me on Monday, XX/XX/XXXX telling me that they reviewed the phone calls and recordings and apologized that the agent was wrong about the protection of my funds. She stated that training and coaching will be provided to said person. To me, this is unacceptable as I am now out of XXXXXXXX XXXX and now reporting this case to the FTC, XXXX, local police, now the OCC. I would like someone to step up and contact this bank to get the money that I was told would be protected and safe and wasn't. I just want my funds returned to me from this purchase. I am willing to speak in person about this as I am in the process of getting legal representation from the Attorney General 's Office of Texas for consumer protection. Once I have the representation they will be in contact with XXXX XXXX Georgia for the release of the voice recordings so that I can go after the restitution of my refunds. Please help wherever you can please.
Company Response:
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I contacted TD Bank about refunding the {$70.00} in fees they charged me. Due to the pandemic, it has been hard on me and TD Bank is one of the only banks still ignoring the financial troubles people are going through and taking more money from them anyways. The same day it went negative, I transferred money from my savings from a different bank into TD Bank, but apparently immediately paying them to make it positive again was " too hard on their multi-billion dollar business ''. The name of the supervisor who declined to assist during the great recession is named XXXX. The call was made ended at about XXXX Eastern Standard Time on XX/XX/2021.
Company Response:
State: NH
Zip: 03104
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: All of the sudden today, XX/XX/2021, I tried to login to my online account as usual and it happens to be blocked by TDBank. They require for me to go to the branch with covid-19 pandemic to witch I refused and requested for all my funds to be sent to me in a check and my account with them to be closed, they said they won't do it so now they have my money that I need for my family and they won't send it to me. I also requested a video call and they said no. I don't want to meet with anyone since I have insuficient inmmune system and contact during pandemic is not good. I would like for them to unblock my online account or send me my funds via check and they are no helping me, it is very frustating in this hard times for me and my family. When I tried to login my password did not work, they blocked it. TD Bank can not keep my money just like that. Please help.
Company Response:
State: MA
Zip: 01803
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX North Carolina XXXX TD Auto Finance XXXX XXXX XXXX XXXX, MI XXXX Wrote : Description of account, Transaction, or Requested Credit : Your application for the sales financing of a motor vehicle was submitted to us by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX on XX/XX/2021. We have declined your application. Our credit decision was based in whole or in part on information obtained in your reports ( s ) from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA, XXXX WWW.XXXX XXXX. ( XXXX ) XXXX Your credit score, obtained on XX/XX/2021 was XXXX. Scores range from a low XXXX to a high of XXXX. Key factors that adversely affected your credit score : Lack of recent installment loan information This inquiry is false ; I have a credit score of XXXX? Length of time revolving credit accounts have been established This inquiry is false ; I have a credit score of XXXX? Time since most recent account opening is too short- This inquiry is false ; I have a credit score of XXXX? Too many inquiries last 12 months-This inquiry is false ; I have a credit score of XXXX? The applicant wrote : I feel TD Auto Finance purposely is trying to or have ruined my credit score by denying me approval while I hold a credit rating that few do. I have been working hard to keep my credit score high enough so I would not have to deal with such issues like the one Im facing in this report. I can not sit back and let this report go unchecked. I have been personally hurt and my credit score has been purposely injured by TD Auto Finance denying me credit while holding a credit score of XXXX which clearly shows my credit worthiness. I am going to file a complaint with federal trade commission on the grounds that TD Auto Finance has denied me the right to trade, that prohibited me from fair and equal trade base on my credit score and some false inquiries. This compliant will be in-part or whole, pursuing that the federal equal credit opportunity act prohibits creditors from discriminating against credit applicants on the basis of race the factor and ( provided the applicant has the capacity to enter into a binding contract ). TD Auto Finance has violated this statement because of said credit applicant has already entered into a binding contract and received the loan with the credit score of XXXX which was denied by TD Auto Finance.
Company Response:
State: NC
Zip: 28304
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XXXX of the XXXX gift cards valued {$50.00} I purchased was not redeemable a week later when I first tried to use it. It was purchased at XXXX XXXXXXXX XXXX, CA on XX/XX/2021 around XXXX. I was bounced back and forth between XXXX customer service and XXXX XXXX about this XXXX balance new XXXX gift card. XXXX verified it was activated therefore it can not be refunded. XXXX XXXX said it was redeemed right after activation. A redeemed gift card can not be refunded. Therefore I as a consumer and victim of this cyber robbery was left with the loss. It is very unfair! Both XXXX and XXXX refused to take responsibility of the security of their gift cards. I will never purchase another gift card again. The consumer lose money when the purchased gift card has no fund in it since it is nonrefundable.
Company Response:
State: CA
Zip: 94706
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I made a complaint a month ago regarding this credit card since I though it was part of a previous bankruptcy. I contacted the agency and arrange the payment and paid it off. I need this credit card to be removed from all my credit reports since I have fully paid the debt after talking to the debt collector, we settle for an amount. I have included the letter from the debt collector and the funds that left my account.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nordstrom Credit is falsely reporting late and past due payments to credit bureaus. In addition to false reporting, as of XX/XX/2021, I am participating in Nordstrom 's payment program that reduced my monthly payment. The first payment due on Nordstrom 's program and as agreed to was XX/XX/2021 in the amount of {$250.00}. I made the {$250.00} payment. As of XX/XX/XXXX, I received harassing phone calls from Nordstrom stating they were attempting to collect a debt. During the call with Nordstrom, I asked why are they calling when I'm participating in their payment program and I made the first payment. The response was that I missed back payments on the program. I replied that is a lie because the first payment on the program was due XX/XX/XXXX. The Nordstrom staff acknowledged my payments and stated they are requesting an additional payment while on their payment program to bring the account current. What's the point of a payment program when the retailer does not honor the terms and condition of the program or the payments received? XXXX continues to falsely report past due and late payments in a malicious and unlawful manner. There are no missed payments so there is no past due amount or late payments. My payments are made on time every month.
Company Response:
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A