Date Received: 2021-01-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an checking account under a promotion and fulfilled all the requirements. They denied the bonus on the basis that I received the bonus before. However, the terms state that bonus is not available for customers who have had an account 12 months before ; my previous relationship with TD Bank ended more than 12 months. TD Bank also claims that I'm combining multiple offers - NO, I'm not combining multiple offers. I opened a new relationship with TD Bank under ONE offer. Details of the promotion : Direct Deposit {$2500.00} within 60 days of new account opening.
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This is what happened : I was checking my credit scores than I see that I have a XXXX bank credit card and I was surprised because I never apply nothing from TD bank and the card was apply on XXXX XXXX and was open on XXXX XXXXThan I when to TD bank to check it and the say my information is there but the dont find a card and saw the agent prove on my XXXX app she said Im surprised I dont see any credit card but your information is in the system then the ask me to call the credit bureau to block the card its nothing the can do. The following day I call XXXX the said its like a co-signed thats why I have the report on my name than I told them I dont take any co-signed to nobody and I even not in the country I was on vacation the time credit card was open I ask them to close the card and tell me where the card was mail and the name who using it and the redirect me to TD bank i went to the bank again and the bank redirect me to FTC.
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive been getting phone calls about this debt nonstop asked if they can stop calling the number because I never authorized anything. mailed out letters to me stating an amount that was owed and they sold this debt to a third party and would have to pay. phone calls through out the night or after regular business hours. Very rude
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: After signing up for an account and, by the admission of TD Bank, meeting all of the *listed* terms of the offer, TD Bank has created requirements not in the original terms and conditions, which I have attached. I have also attached my entire dialogue with TD Bank. They just kept making up different reasons depending on who you asked, which shows lack of familiarity with their own terms : 1 ) They claimed that after signing up for an account in XXXX of XXXX and having direct deposits hit in XXXX of XXXX, that my direct deposits did not occur within 60 days of opening. This is not how the calendar works. 2 ) They then claimed that because I previously had an account, that I am ineligible for the offer. However, the offer terms clearly state " offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. TD Bank claimed that my prior account was within those 12 months. However, TD Bank has confirmed my prior account from was closed in XXXX of XXXX where the new account was opened in XXXX of XXXX. Again, this is not how the calendar works. 3 ) Next they tried to say it was in Store only. This was found by me, publically available, online, and the terms even say " available only when opening through a qualifying website. '' - the first sentence of the disclosures. They must be confused here and be looking at the wrong terms. 4 ) Finally, and perhaps most absurd, is the claim that this violates the term " One bonus per account per Customer and can not be combined with any other offer. '' First, the definition of " combine '' is " to possess in combination '' or " to act together ''. It is impossible to have an account which has been closed for more than a year that used an offer that expire more than a year ago be possessed with or act together with an active account and offer. Second, Td Bank clearly defines the analysis to be on a " per account per customer '' basis - and concedes these are different accounts. In my opinion, TD Bank is inexplicably disregarding its very clear terms to the point it almost seems willful, which given the constantly evolving answers that disregard even basic math, feels almost to be a bad faith action.
Company Response:
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello again TD Auto, I am here to kindly ask for a few simple correction on my account. I am not here today to dispute I messed up this account. 1. Could you be so kind to remove the derogatory from the XXXX and mark it paid. Account was paid in full 2. Could you be so kind to remove the repossession status in XXXX XXXX and XXXX. The account was closed, you did not lose any money on this transaction, actually sent out to me a very large check. 3. Can you please remove all comments Thank you!
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: i received a call from Target that someone tried to open a store credit card in my name. They asked me a few questions which i answered no. they said they would decline the application and to report the incident to you ( FTC ) today is XX/XX/2021
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, NORDSTROM/TD BANK USA add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XX/XX/2020 and XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I owed XXXX XXXX TD Bank {$1900.00} back in XX/XX/2020. XXXX XXXX stopped using TD Bank as their creditor in XX/XX/2020. I paid off the balance {$1900.00} in XX/XX/2020 and have my bank statement for proof. I have called XXXX XXXX and TD Bank which are both unwilling to resolve the issue or provide help. I need this fixed because this error is preventing me from moving forward with a home loan.
Company Response:
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, TD RETAIL CARD SERVICE add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A