Date Received: 2021-01-20
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Td babks claims to say I owe them of XXXX but I havent had an account with them since I was a minor this is false and scams have been bought to my attention
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged twice by XXXX XXXX XXXX and I went to try to dispute one of the charges as a duplicate. The customer service representative would not allow me at first to dispute the charge. This is after spending an hour on hold even though I supposedly called the ASAP customer line. She finally relented and allow me to dispute the duplicate charge. Then I was informed that I would not be able to get a provisional credit or a refund of the overdraft fee I was charged as a result of the duplicate charge. I asked to speak to the manager. She refused to help me, while boasting that she got an extra paycheck this month. I have been significantly impacted by the COVID-19 pandemic and TD Bank is completely out of touch with how their customers are struggling. I was completely disgusted that the manager felt it was appropriate to brag about the amount she is paid while I have faced so many difficulties this year. It's a really " let them eat cake '' kind of attitude.
Company Response:
State: FL
Zip: 32308
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
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 noticed on some fraudulent charges on my credit card with Nordstrom and called in and ask them to dispute few fraudulent charges and spoke a investigator named XXXX and he is so rude and XXXX and has a XXXX attitude with me and wouldnt let me talk to a supervisor and refused to let me appeal my fraud case and I sent in the documents and my ID and my bills to Nordstrom and within weeks my case was denied and I was rebilled for all the charges from XXXX and XXXX XXXX and I never did business with them ... now I will not pay this bill and I refused and I will take legal actions if I have to because I dont have any dispute rights or appeal rights with Nordstrom and I send hime Documents and he was rude to me and unprofessional and I didnt get a call from a supervisor at all ....
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX of 2020, I settled my credit card with TD Bank. I received a letter confirming my settlement and the amount of settlement was {$3100.00} to be paid in 3 equal payments of {$1000.00} with first payment due by XX/XX/XXXX, 2nd payment due by XX/XX/XXXX and 3rd payment due by XX/XX/XXXX. All three payments were made as agreed by the due date. As per office of admin recovery call I received today, TD decided to go ahead and sell the remaining balance to a collector and charge it off. Attached are the settlement letter and proof of 3 timely payments
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: THIS IS NOT A DUPLICATE COMPLAINT. At the locate XXXX XXXX XXXX XXXX, PA XXXX, I deposited a {$600.00} stimulus check at the ATM. The ATM did ask me to put in the amount of the check, so I did. The ATM showed a picture of the stimulus check and asked me if I wanted a copy, with or without an image, I picked with image. The receipt reads XXXX XXXX available {$200.00} It clearly shows the stimulus check, and all the numbers on the check, the president 's name, and economic stimulus. Checked this morning and now it's saying, we could not read the stimulus check, and to call the IRS to get a replacement check sorry! You never put the check in, so we can't send you anything, or go into the machine, get it out and give it back to you, sorry! It your own dumb-ass fault XXXX XXXX, you listened to our ATM, followed the ATM 'S instructions to also, keyed in the already varied amount of {$600.00}, and got the readable image receipt. Was also informed that TD Bank could not, would not, get the stimulus check out the ATM, because the ATM machines are managed by someone else, sorry! The people that manage our ATM 'S come every 2 weeks, came on the day of the incident, oops sorry I don't know what time, we can't reach them, I don't know, sorry! The staff here is poorly trained and unprofessional, how could you not know your job? Playing I don't know 's with somebody life. The bank could have issued me the {$600.00} until this matter was worked out, but did nothing instead. The IRS inform that they can not send me out another check, I would have to go to the website and fill out a 1040-SR form this will take months. I can't buy food, sorry! I can't pay my light bill, sorry! Take it up with the IRS, have them send you out another one, sorry! So I got to go hungry and be in the dark, for 6 to 8 weeks, while they trace a check, yep! and sorry! I called the branch at XXXX, was told to call the IRS and get a replacement, sorry! I the XXXX no help either. Your TD Bank branch people should be fired. I am without food and can ' pay bills, what am I suppose to do? Was sobbing me eyes out TD Bank could care. I have email the head of TD Bank 's departments. Will take legal action if I am not compensated, your bank broke the law.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My final car payment ( payment # XXXX of XXXX ) was not auto drafted from my bank account when it was due XX/XX/XXXX. This was not because of anything I did ( low balance, etc ) but because of a " Terms and Conditions '' I agreed to over 5 years ago when I set up my loan to be paid off with automatic payments in XXXX of XXXX. It is unreasonable for a consumer to be expected to remember one specific detail about Terms and Conditions ( that 99 % of people don't read anyways ) five years after for a clause that only kicks in at the end of the 5th full year. 59 of 60 payments made on time exactly ( not to mention 15+ years of always on time payments to all other financial responsibilities I've had ). The other issue is they create confusion by continuing to report auto-pay is turned ON for even once at the final payment time showing it is still enabled - which is very confusing for a consumer to understand what is going on ( see attachment for proof ). As soon as I became aware of this, the final payment was made same day. I had absolutely zero financial motive to withhold a payment, nor did they do their part to call or email me letting me know any of this was happening. If it weren't for optional credit monitoring I chose to subscribe to, the first time I would have found out about this could quite easily have been the day they opted to repossess my car. That is an incredibly scary position to be in for a consumer and is a policy I believe takes advantage of consumers to ruin their credit ( my score dropped 111 points because of this one miscommunication ). I further believe they are misinterpreting the Fair Credit Act ( FCA ) and that they do not actually have a requirement to leave this delinquent mark on my credit reports for a policy entrapment they themselves set.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: On XX/XX/2014 I applied at XXXX XXXX TARGET for TARGET RED CARD. I never received the card in the mail and since I do not have the card number i have been unable to pay the one time charge of XXXX some odd dollars for the last just over 6 years. I just want to pay my bill and have that 6 years of delinquent payments removed from my credit score. It was at no fault of my own. I have made multiple attempts over the years to reach the TARGET RED CARD distributor and I've just about had it with their shenanigans. My name is XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX All I have is the last four digits of my account number provided on the receipt given upon opening the account XXXX
Company Response:
State: CA
Zip: 95404
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have never received a statement from this company. When logging into my credit report today, I saw that there are subsequent late payments dated to XX/XX/XXXX. This card was opened by my wife and was paid in full inXX/XX/XXXX ( {$0.00} balance ) - the last payment was assessed as " late '' by the company and she was charged a late fee. There have been late fees assessed on top of this late fee, as well as interest on the late fees. Again, the balance of the account was paid in full in XX/XX/XXXX - this balance due is just late fees and interest. I called XX/XX/XXXX to resolve this, was transferred 7 times and left on hold for 2 hours. There has been no attempt by the company to help me resolve this - the only time I was able to speak to someone directly about this balance due ( the second time I was transferred ) he told me his only job was to attempt to collect the debt, not tell me how the debt was accrued.
Company Response:
State: OR
Zip: 97504
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: due to covid 19 I had called td bank to close my account back in XXXX of 2020 but there was some founds that was never deposited in my account. I was advised not to worry that they were going to fix it and take care of the situation. this went on for months and kept getting charged all kinds of fees. I finally got a hold of a lady that realized what was going on and she finally got me to the right person and they closed the account. but went I asked them to refund me for all the charges I accrud due to there mistake they told me they could only go back two months. If I did that to td I would have the fib at my door.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
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 had credit report run that showed TD Bank had a credit card opened in my name in XX/XX/2019. I never opened that card, meaning someone else used my information to get it. Now, I have an outstanding credit in my name that I never made.
Company Response:
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A