Date Received: 2021-01-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying for years to get a loan modification on my mortgage with TD Bank. They always claimed that they did not receive my application when I sent it back to them. So I am consistently behind on payments that are hard for me to afford on a fixed income as a retired person. I recently obtained a lawyer to help me try to get a loan modification and try to communicate with TD Bank. Through her fax line and email, I have submitted a loan modification application packet to TD Bank to the fax number and email that they provide. I have submitted this application 6 times : XX/XX/XXXX via email, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, XX/XX/XXXX via email and fax, and XX/XX/XXXX via fax. I have never received any acknowledgement that the fax or email was received or is being reviewed. The only response I got was once to receive a form letter and a brand new application packet in the mail, with no indication that I had already sent them my income proof, my bank statements and a signed and completed application. I am sending everything to the fax number and email that is provided on their application. I have gotten confirmation that the faxes and emails were successfully delivered. I believe there is a federal regulation that states that if I ask for a modification, TD is supposed to respond within 10 days with further instructions or review. They have clearly ignored this requirement. I feel trapped and totally ignored.
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I purchased a XXXX XXXX with XXXX XXXX issued by TD Bank , N.A . on XX/XX/XXXX for {$3600.00}. On XX/XX/XXXX, I started having issues with the Treadmill and have continued to have similar issues to present day. I have reached out over 20 times during that period of time to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, subsidiary of XXXX. They have either not responded or provided a response with a resolution that does not solve the issue. When I let them know the resolution does not work, they do not respond any further. It has happened multiple times and my treadmill does not work. I submitted a finance dispute in XX/XX/XXXX with the TD Bank since the purchased treadmill was not working and I was not receiving any support or service. I received one phone call and no letters or other communication during their investigation. I called TD Bank again today because they will not respond in their inquiry system online, but they do not email or call, and the wait times are well over an hour or they don't answer. When speaking with them today, they let me know they made a final determination to my dispute on XX/XX/XXXX but I have not received any communication regarding this. They said a letter was sent but have no proof of that. Their determination said that XXXX determined my internet is the problem. During the pandemic we have all been at home and working from home with internet. I have also had message conversations online and emailed XXXX as well as I am online filling this out now. I have questioned TD Bank how that was determined, and they can give me no further information, but a final decision has been made. I would like to file a bad faith complaint against XXXX and TD Bank as they are taking advantage of consumers and not providing support or service when their service or product is not working.
Company Response:
State: IL
Zip: 60108
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a TD Beyond Checking Account under a {$300.00} bonus promotion on XX/XX/XXXX. The terms state that if I make {$2500.00} direct deposit within 60 days of opening, I would receive {$300.00} within 140 days. However, this amount has not been paid out. I called TD Bank to inquire. They told me I'm no longer eligible due to having received a bonus on a prior, closed account. However, the terms of the bonus states that it's not eligible to customers who " do not have an existing or prior personal checking account at TD Bank within the preceding 12 months. '' My previous account was closed in XXXX, XXXX, more than 12 months since I opened this account. Therefore, I satisfy the terms of the bonus.
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a TD Beyond Checking account on XX/XX/XXXX, in conjunction with the terms of the attached offer. The relevant details on the offer are as follows : CHECKING 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 and complete the required qualifying criteria. I did have a previous TD checking account in XXXX, well outside of the requirements for this offer. The previous account was closed XX/XX/XXXX. I met the required criteria on XX/XX/XXXX of {$2500.00} in employer or government direct deposit ( within 60 days ). Bonus should have been paid at least 140 days after account opening ( XX/XX/XXXX ). I confirmed I met the requirements by phone on XX/XX/XXXX with a rep named XXXX. On XX/XX/XXXX, I called again, and was told I should still be eligible, and that the promotions team will respond within 2 days. I did not received a response. On XX/XX/XXXX, I called again, and was told I was ineligible because of the previous XXXX checking account, regardless of what the terms say. I spoke with XXXX and XXXX - both very helpful. XXXX even waived 3 of my $ XXXX monthly fees.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an account with Nordstrom/TD Bank that was opened in/around XXXX of XXXX. The account was placed in charge-off collection status in XXXX of XXXX. This is ONE account. Yet it is now -- and has for some time -- been inaccurately showing up on my account as having 37 ( THIRTY-SEVEN ) different charge-offs. I don't even know what collection agency has the account at this time, but I do know that ONE account should not be showing as 37 separate charge-offs. This is unquestionably bringing my credit score down, and unnecessarily at that. There is a SINGLE amount owed. I opened ONE account with Nordstrom, NOT 37, regardless of how many different collection agencies this account has fallen into the hands of. This information needs to be updated to ONE ( 1 ) charge-off or removed from my credit report altogether. Because the reflection that I have 37 various charge-offs with Nordstrom is fallacious. As a resident of VA, I am protected by the federal Fair Debt Collection Practices Act ( FDCPA ), and Nordstrom is engaging in an abusive collection practice by leading me and would-be/future creditors to believe that I have 37 actual charge-offs with them, when in fact, it's ONLY ONE. This is working to prohibit me from being permitted to open future accounts with other creditors and limiting my financial growth This information needs to be updated to only ONE ( 1 ) charge off as opposed to 37, or this account needs to be omitted altogether. I have attempted to reach out to the parties who might be responsible for this, but have gotten no response.
Company Response:
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Good Afternoon, I understand that I owe a credit card balance to TD Bank. I am not disputing that. I am using a debt settlement company XXXX XXXX to assist in settling multiple credit accounts as I'm several thousand dollars in debt. I have informed TD Bank several times that XXXX XXXX will be handling everything and I have provided them with the contact information for that company. However, I am still getting calls every day. I have gotten calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ( two calls ) XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I am always polite and just iterate that they have the correct contact information for XXXX XXXX. I mentioned that they shouldn't call me or to send me notices in the mail and even mentioned the act that they shouldn't call me repeatedly and the associate advised that it's her job- she's supposed to call to remind me about my debt and that she didn't know about an act preventing her from doing so.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Please be advised this is the 3rd complaint about the same issue I am submitting against TD Bank. TDbank provides customers with fraudulent statements when submitting disputes. I submitted a dispute for a partial amount in XXXX because I was told by a representative that i can not submit a dispute for a partial amount. I provided information timely twice to TD that proved my claim against XXXX to be true. XXXX owed me a balance of XXXX out of XXXX but TD dispute employee advised me that disputes can only be made for the full transaction amount and the remainder must be worked out with the merchant. I provided documentation showing i was due a refund and also showing that it had not been provided. on XX/XX/XXXX I spoke with XXXX XXXX who advised that TD bank can submit partial disputes and that even though the dispute agent i worked with provided me with inaccurate information I will only be provided the XXXX although TD made me dispute the full transaction amount of XXXX. I believe that TDbank is committing fraud against me. The credit of XXXX was also not put into the account which my claim was even drawn on. The inaccurate credit of XXXX went into my savings account which was also closed because i withdrew all my funds from this bank due to their fraudulent practices. I have spoken to Branches, Customer Service, and the recovery department and this level of corporate fraud TD is commmitting is disgusting. I want my account appropriately credited ASAP! Please see my original claim information below along with all the updates since i began this horrible experience with TD. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX NY XXXX This letter is in response to an explanation request for the above subject ID. XX/XX/XXXX I submitted prepayment in the amount of XXXX to XXXX for a reservation that would begin on XX/XX/XXXX and end on XX/XX/XXXX. I picked the vehicle up on XX/XX/XXXX and ended my rental session on XX/XX/XXXX as scheduled. During my trip, I experienced 3 major trip interruptions due to the rental cars not having proper maintenance and had to switch vehicles 3 times within the 10-day timeframe. XXXX representatives told me each time that I would not be charged for having to exchange the cars since XXXX was at fault each time. On XX/XX/XXXX, after returning my rental car, I checked my account. I noticed that I was charged an additional fee immediately after returning the vehicle. This fee was applied to a XXXXdollar auth amount that XXXX placed on my debit card on XX/XX/XXXX when I picked the first car up. I reached out to the XXXX customer service center on XX/XX/XXXX to inquire about the additional charges. I was advised that an extra charge was accidentally applied when I exchanged the third vehicle, I demanded it be removed and was told that only a manager could remove it. I was put on hold for 30 minutes and eventually was told that a manager was not available, and one would call me back within 24-48 business hours. I called a second time on XX/XX/XXXX and immediately requested a manager due to dissatisfaction with the result from the first call. I was again put on hold until the exact time the manager call queue closed and was told that all managers are now off and not available. On XX/XX/XXXX, I called XXXX customer service again and requested to speak with a billing manager and was connected to a manager by the name of XXXX. I talked to XXXX and explained the issues I experienced during my 10-day rental and the experience I had with XXXX customer service agents on XX/XX/XXXX. I explained my disgust with the lack of proper vehicle maintenance and the distaste for XXXX agents ' lack of professionalism. I was met with an immediate apology by XXXX and was advised the charge to the authorization fee was accidentally applied and would be refunded. The Auth charges were all removed later that week when I called into TD Bank and asked for an Auth removal.I also requested that I be given a refund of 2 rental days, which equated to XXXX due to the badexperience I had with the vehicles and having to lose time going back and forth to XXXX locations. XXXX agreed that I was due an additional refund of XXXX out of the XXXX that I had prepaid on XX/XX/XXXX. XXXX advised me that it would be 3-5 business days from XX/XX/XXXX to see the XXXX refunded back into my account. I received in the mail on XX/XX/XXXX a bill from XXXX in the amount of XXXX and was immediately outraged because it appeared that a billing error occurred on XXXX end, and I was being asked to pay what should have been my refund. I called and spoke to an XXXX representative and was advised that there was no indication that I should have received a bill in the XXXX system. The XXXX representative told me that my refund of XXXX was processed and sent back to my bank on XX/XX/XXXX, I asked the representative to provide me with the last 4 digits of the card that the refund was posted to. The agent provided me with the last 4 digits to a card that I have never been associated with. I advised the agent that the last 4 numbers provided from him were not a card I own nor am associated with in any way, the agent advised that he could not assist anymore and would have to get a manager. I waited for 45 minutes to speak with another XXXX manager and was informed that someone would call me back in 24-48 hours, advised the agent I would be making a claim with my bank. I spoke to XXXX Customer service again on XX/XX/XXXX and XXXX acknowledged their error. I was told to call back on Monday XX/XX/XXXX to have a supervisor fix the error. I called on XX/XX/XXXX and XX/XX/XXXX and was told twice that supervisors were not able to fix the issue because they could not manually input my card into their system. I was advised that the manager who originally promised the credit processed it wrong. XXXX has advised that there is nothing they can do on their end at this point because their system doesnt allow them to refund back to a card that the system has kicked out. Please see attached email from XXXX.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer 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 Miss 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 XXXX 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?
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I purchased a brand new XXXX phone XXXX of last year. I used XXXX financing through TDRCS ( TD Retail Card Services ) to purchase the phone. I did not like the phone so I returned it through XXXX during the manufacturers allotted window. XXXX was late in crediting the account and as a result I was incorrectly assessed late fees. I was sent a letter from collections at TDRCS stating I owed money. I was told by XXXX that everything was taken care once I submitted my phone back and they credited the account. After talking to TDRCS collections about the situation they told me I had to file a dispute with TDRCS customer service, a different office. I filed a dispute in early XXXX. TDRCS has reversed the charges because they have sided with me but my credit score was dropped more than 70 points for the unpaid late fees. I called customer service and they told me to file a dispute with the credit agencies and they couldn't fix it despite them reversing the charges. I was incorrectly assessed late fees and then my credit report was hit with unpaid charges after XXXX credited the full amount back to TDRCS.
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I'm disputing this account as a fraudulent account. I am victim of identity theft. I tried disputing this account with the credit bureaus and they referred me to reach out to the company directly. The only card that I have with Nordstrom is a Nordstrom debit. Please find my police report and identity theft report that's attached.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A