Date Received: 2021-01-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Target is reporting some inconsistencies on credit report. One XXXX they report 10 late payments, but XXXX & XXXX only 1 late payment. All 3 credit reporting agncies should have the correct late payments on all 3 reports. There are alot of inconsistencies with that.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Accounts is in litigation and should not be on my credit report.
Company Response:
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: The company's/TD Bank 's response to our previous complaint with the ID no. XXXX is evasive, non-responsive to the issue raised, i.e. our request/application for rate of interest modification/reduction wrongfully denied, as it has been thoroughly explained in our complaint. In its response, received on XX/XX/XXXX, without answering the issue, TD Bank advises us seek further assistance from its Customer Service Team and the local branches. Upon calling, and visiting the local branch, as directed, on XX/XX/XXXX, and XX/XX/XXXX, we have been told that the rate modification program no longer exists. How convenient for the " most convenient bank in America '' that provides " legendary service '', as it constantly advertises, to avoid providing a basic service for its customers!! We hereby reiterate our request for a modification/reduction of rate of interest
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: This is a follow up to Complaint XXXX : I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. The subordination application was submitted on or before XXXX XXXX, XXXX. I reached out on XX/XX/XXXX for an update. I didn't receive a response until XXXX just saying things are delayed. I didn't receive a real response until XX/XX/XXXX. We have sent in all of the requested information by the end of XXXX and have not heard anything back yet. UPDATE : TD finally responded 2 days after I submitted the previous complaint on XXXX XXXX, XXXX. TD denied our subordination request but proposed a counteroffer ( See attached ). We gathered all of the additional information TD requested for their counteroffer and accepted TD 's counteroffer. ( see attached ) TD reviewed the documents we sent as requested for their counteroffer and naturally we expected that TD would now approve our subordination request. Shockingly and amazingly we just heard back from TD that after re-reviewing they apparently misunderstood the original subordination request and now are rescinding the counteroffer and denying our subordination request. This is totally incredible gross negligence by TD and awful treatment. What is even more amazing is that the real current situation is actually better than what TD had counterproposed!! It just makes no sense and TD is just incompetent.
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Monday XX/XX/2021, XXXX XXXX XXXX XXXX, I approached the TD Bank branch at XXXX XXXX XXXX New York, NY. It was approximately XXXX am.There was a XXXX crew working at that corner and there was a XXXX guard inside the ATM area. I was advised to pull my face mask up.There were XXXX ATMs .One of them read, " Out of service ". I made an ATM withdrawal for XXXX dollars on the other XXXX but it did not print out a receipt.When I attempted a balance inquiry the machine kept my card.I spoke to XXXX at TD bank Customer service over the phone later that day and he advised me that TD bank could retrieve my card for me and return it to me When I spoke to XXXX, the Branch XXXX at the site of the occurrence, he would not agree to return my XXXX manifests some of the irregularities that has resulted in my not getting Employment offers, Credit Approval or Acceptable account balances through TD bank.My Account balance has not been restored.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear Sir, I made a payment of {$1700.00} ( paper check on bill pay ) to TD card services on XXXX ; I called TD card services on XX/XX/XXXX, the due date, to see whether they received it or not. TD card services said they did not get the check. I called my bank to know why the check was received by TD. It was found out that my account number was missing on the check. This was the 1st time I was using Bill pay from my bank. On XX/XX/XXXX, I asked my bank to stop on the 1st check for {$1700.00} and issue another check for the same amount {$1700.00}. This check was received by TD on XX/XX/XXXX. TD does not show show all the transactions on customers TD webpage. They need to improve the way they show transactions on customer webpage. Now TD card services is charging {$27.00} ( I owe to them as of today ) because I stopped the check for the amount {$1700.00} sent on XXXX. I called them to wave {$27.00} for which they are not ready to reverse. I am reporting it here. I have paid off all I owe to TD card and have not made any purchases since last one and XXXX months and locked the card. Thanks.
Company Response:
State: PA
Zip: 19355
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: As I was successfully rebuilding my Credit with help from XXXX, about XX/XX/XXXX, all of a Sudden I was advised that my Credit & Credit Score sustained a Damaging hit from XXXX for SLASHING my Credit limit by 2/3. I called XXXX inquiring about their SUDDEN and DAMAGING action, but was rebuffed by XXXX illogical and arbitrary reasoning. XXXX ) They contended that they took such action as a result of their periodical review and XXXX reporting. Here, I implored them to reconsider such damaging action especially when it BETRAYED their recent logic of periodical review because XXXX conducted such periodical reviews over the past years and ESPECIALLY AT THE HEIGHT OF FRAUD COMMITTED AGAINST ME/POOR CREDIT SCORE, and XXXX ALL ALONG MAINTAINED MY CREDIT LIMIT UNTOUCHED. BUT, NOW While my Credit/Credit Score is soaring XXXX ARBITRARILY elected to Sabotage my efforts with their conflicting reasonings as to why. XXXX ) Repeated calls were made to XXXX, but to no avail, FOR EVERY TIME I CALLED, I was offered a contradicting and conflicting reasoning, depending on the day and mood of the person I happened to be discussing my situation with. XXXX ) A XXXX Supervisor in California, sought to justify their drastic action due to the XXXX pandemic. While another Supervisor in Colorado, dismissed the one in California and contradicted his statement. And it went on and and on .... 4 ) At last I thought I had connected to a reasonable Manager and after explaining my dilemma to her, she claimed to have UNDERSTOOD my situation and PROMISED TO REVIEW MY ACCOUNT AND CORRECT such damaging measure. In particular when a XXXX Supervisors said well, because you have not used your credit limit as a reason for slashing my Credit Limit. 5 ) AS I was going back and forth with XXXX, I suddenly NOTICED on my Credit Report as having been REPORTED as LATE ON ONE PAYMENT, XX/XX/XXXX. So, I disputed such ERROR, and XXXX admittedly told me YES, YOUR BILL WAS RETURNED TO US ... IT HAD BEEN SENT TO THE WRONG ADDRESS. XXXX ) Yes, XXXX admittedly sent it to the WRONG ADDRESS, but once I discovered such error while shopping at their Store in Washington, DC. THEIR Store Manager, XXXX, assured me of no problems and put me on the phone with XXXX, where the Lady Rep. assured me ( without asking ) that it would not affect my Credit because they dont report to anyone ... .it is our internal corporate bank and extended her apologies for the WRONG MAILING. XXXX ) ODDLY ENOUGH NOW, as I escalated my inquiries about their mishandling and ERRONEOUS REPORTING, so did XXXX REPS. ESCALATE THEIR FALSE ASSERTIONS. thus, they began ALLEGING that I was late not only once but THREE TIMES MORE AND ON AND ON. XXXX XXXX XXXX Reps. Advised me that they sold their Financial/Bank to XXXX XXXX and TD BANK among others. HENCE, I seek your help to straighten this spiraling and damaging matter with this UNREASONABLE outfit XXXX. Rgards, XXXX XXXX XXXX Wisconsin XXXX XXXX. # XXXX Washington, DC XXXX XXXX : XXXX XXXX XXXX XXXX
Company Response:
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2020, I was denied credit. I requested a copy of my credit report and discovered I am the victim of identity theft. I have placed all credit bureaus on notice. XX/XX/XXXXjust informed me that they contacted TD/BANK USA/TARGET CREDIT. TD/BANK says the account is accurate. TD/BANK will not supply any information used to open the account -- - where it was opened, what was address used, what was the telephone number used, how did they verify, signature. THE ACCOUNT IS FRAUDULENT AND I DID NOT OPEN IT OR THE SEVERAL OTHERS. MY CREDIT WAS PERFECT!
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD BANK XXXX XXXX is still showing a {$420.00} charge-off entry on my credit report. This account was fraudulently opened and needs to be removed.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my workers compensation check for {$760.00} was eaten by the ATM at TD Bank at XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX. On that day I filed a dispute claim XXXX and was told that they would get back to me. Subsequently, I called and went to the bank because no one contacted me. I was shocked when I received a letter declining my claim. I got in contact with the bank and personally inquire about this denial of my claim. On XX/XX/XXXX, spoke to a bank manager and was given the same line, that she would contact the right party and that she recalled this episode with my missing check deposit. No one got back to me and so I called, but was told that the people responsible for responding to my inquiry had not replied. Today I have yet to receive an answer to the disappearance of my check. Thank you for investigating this for me.
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A