Date Received: 2021-01-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX make a sincere request to three of my creditors, for relief of a one-time late payment during a month where I was hospitalized for XXXX from XXXX. I am a veteran of the United States XXXX, and I served in the XXXX during the invasion and ultimate success in securing freedom for XXXX. However, over the years I dealt with the XXXX problems, and in XX/XX/2019 I was hospitalized where I had no access to pay my bills on time. Several creditors already removed the XXXX X XXXX day late payment as a courtesy to a military veteran. I am now XXXX % covered by military XXXX, and I also work full time running my own business. I believe that my business will go through high growth periods over the next five years, and my excellent credit history was always a priority in my life. Accordingly, I respectfully request the XX/XX/2019 late payment as I was not in any position to attend my affairs. I am now healthy but there was a short time in my life, dealing with XXXX was impossible. I thank you for any consideration you can show me. Thank you. XXXX XXXX
Company Response:
State: MA
Zip: 01201
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I previously opened a Target Red credit Card Account with Target in 2012, I paid off my Target Red credit card account ending in XXXX, Target Bill my account {$650.00} in fraudulent late fees. Furthermore Target used unfair and deceptive business practices. I have disputed the billing issues numerous times on XXXX and Target responses to XXXX were The information is correct : default
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello, I have a decided to refinance my home mortgage and i got the offer from my current lender, TD Bank. We have started to process in XX/XX/2020 and i have submitted all the documents in one week. I have received the Conditional Closing Disclosure and i have submitted all the conditional documents as well. They even ordered the title on XX/XX/XXXX. Since then i have never heard from them. I have tried to reach them several times but have never received any update. They keep putting me off for 2 months. I have submitted all the documents and they approved them all in XXXX. At the end of XXXX after i tried to reach them several times, they informed me that the mortgage officers are changed and another team started to take care of my refinance application. They sent to the Underwriter again in XXXX for no reason. Overall it has been more than 3 months since i have submitted all the documents and i can not get any update or the closing date from them. I chosed to work with TD Bank only my current mortgage is also with them. They promised me to close my refinance in 30 days and it has been 90 days and i don't even know how long more it will take. It was such a shame to work with TD Bank and it's a big disappointment how they treat their loyal customers.
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a TD Bank Checking account on XX/XX/XXXX with a promotional {$300.00} checking bonus for completing direct deposit requirements. In the fine print their terms stated that customers who had not held an account and received a bonus in the past 12 months were eligible for this promotion. After 140 days the bonus still had not been paid out so I reached out to TD Customer Service. They are citing the account that I held and the bonus that was paid out on XX/XX/XXXX as reason to not pay out the bonus specifically citing the verbiage " the new account does not qualify as this would be considered combining with another offer. '' Clearly I did not apply multiple offers to the account that was opened in XXXX and the language surrounding accounts held before the 12 month period was very clear. The bank 's mistake is made even more apparent because their new terms and conditions have been updated to specifically state " Customers who received a bonus on a prior checking and/or savings account do not qualify. '' Note that this language did NOT exist when I opened the account with the promotion in XX/XX/XXXX.
Company Response:
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I MADE A CHECK DEPOSIT FOR {$20000.00} ON XX/XX/2021 AND THEN AFTER TD BANK PUT MY ACCOUNT ON HOLD I WOULD LIKE FOR THEM TO TAKE THE HOLD OFF OF MY ACCOUNT BECAUSE I CAN NOT LOGIN TO MY ACCOUNT THE CHECK SHOULD BE CLEARED IN 7 DAYS AFTER IT CLEARS I WOULD LIKE FOR THEM TO GIVE ME MY FUNDS WITHOUT ANY PROBLEMS.
Company Response:
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Back in XXXX of XXXX we contacted our bank to ask them to defer the payments for our corporation 's installment loan and they agreed to do so for 6 ( six ) months. As a result, we were not required to make any payments for XX/XX/XXXX through XX/XX/XXXX and we resumed making our payments in XX/XX/XXXX, as per our Covid-19 Relief Agreement. Our statements received during the deferral period indicated on them that no payment was due at that time. Our XX/XX/XXXX statement indicated that we had to pay the normal monthly payment by the due date of XX/XX/XXXX ( which we did XXXX but never showed any additional amounts to be due. Neither did our XX/XX/XXXX or XX/XX/XXXX statements, all of which were paid on time by their due dates We even have our XX/XX/XXXX statement, which is due by XX/XX/XXXX and it does not show any additional amounts due. However, beginning on XX/XX/XXXX we started to receive notices that were marked as past due amounts. The first notice we received was marked with a " bill date '' of XX/XX/XXXX with a " due date '' of XX/XX/XXXX. On that same date we also received another notice with a " bill date '' of XX/XX/XXXX and a " due date '' of XX/XX/XXXX. Then, on XX/XX/XXXX we received 2 more separate notices. One had a " bill date '' of XX/XX/XXXX and a " due date '' of XX/XX/XXXX and one had a " bill date '' of XX/XX/XXXX and a " due date '' of XX/XX/XXXX. XXXX, on XX/XX/XXXX we received our regular bill for XXXX 's payment with a " bill date '' on XX/XX/XXXX and a " due date '' of XX/XX/XXXX ( which is correct ) however, NONE of our regular bills for our payments due starting back up in XXXX of XXXX ever indicated that we ALSO owed any additional fees/interest. Now, we KNEW we would possibly owe extra interest but our agreement stated that, if we did, they would bill us for any additional amounts due over the next 12 months. As you can see from our submitted documents, we were NEVER billed ANY additional amounts until XX/XX/XXXX when we started to receive these additional bills ALL AT ONE TIME, NOT over a 12 month time frame. Upon receipt of these additional bills and not understanding exactly why they were all billed at one time, we contacted the bank and they began to try to get to the bottom of this. As of today, XX/XX/XXXX, we received an email back from the bank manager and she told us that the contacts she spoke with were not going to spread these payments out and that THEIR computer showed that they HAD been billing us since XXXX, which they clearly had not. They are DEMANDING that we not only make our regular payment this month but also ALL of the additional deferred interest payments NOW, which is not right. If they had provided us with these additional bills back in XXXX, we would have paid them each month along with our regular payments. However, in light of the fact that we are STILL in the middle of a pandemic and our " live events '' industry is STILL basically dead, we feel that they are being unfair and untruthful about the billing techniques they used. Their own paperwork shows that they failed to bill us for each month DURING that particular month and they they billed us for ALL of it in a matter of just three ( 3 ) days. We would like to request your help in getting them to simply adjust the due dates of these deferred interest payments so that they are not all due NOW, at one time. We feel that only one ( 1 ) payment should be due in XXXX XXXX the month they started to bill us ) and then each month another one, along with our regular payment. Or, if possible, completely REMOVE these additional amounts simply because of the fact that they went about this in the wrong way and have caused undue stress and hardship. Never have we seen anyone DEMAND 4 months worth of bills of any sort all at one time when the bank is the one that issued these bills apparently late.
Company Response:
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was involved in a vehicle accident In XXXX using a rental vehicle and somehow they are still charge me an amount with no reason I have not heard from this company in months and everything is currently being taken care of by my lawyer and my insurance company. The car rental company is called XXXX in XXXX XXXX Florida they have charged {$230.00} on XX/XX/2020 and I disputed it with my bank which is TD and they deemed the transaction correct even though it is not.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2021, I requested TD Bank to close my checking account ( account # XXXX XXXX and move my remaining funds to my savings account via tdbank.com account secure message, but they never did it, and charged me {$25.00} account maintenance fee later on the same day. TD bank even limited my eligible transfer amount so I can not transfer the remaining amount to elsewhere, my balance thus stay low and TD Bank would keep charging me fees. And during covid-19, I can not go to a branch to withdraw the remaining funds. This is unfair and unethical, I need TD bank to refund my {$25.00} fee immediately and close my account as requested.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I discovered the debt in XXXX of 2020 and realized that the debt doesn't belong to me. It possibly belongs to XXXX XXXX XXXX XXXX NOT XXXX!. I have a police report and my drivers license that is different number than what the company has in their records.
Company Response:
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I XXXX XXXX got a letter in the mail stating that TD Bank wanted wanted to close my consumer accounts with no explaination what so ever. TD Bank stated " it was thier right to close all my accounts at thier " discretion '' sound to me like discrimination. I was the consumer that extended my credit to TD Bank to open the accounts. I attemped to call their td bank number which was XXXX attched to the correspondance that I received in the mail and it was a XXXX voice number.
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A