Date Received: 2020-11-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: CFPB already got an answer for this complaint on XX/XX/20 stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the 7th biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 7 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!!
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: company emailed me and said they could not deliver it. i had written them letting them know we had fires, toxic severe smoke, were on a lockdown and this household had covid. they were supposd to deliver it two months earlier but never replied, then one day i get the email saying the couldn't, so account was to be closed. they cancelled. yet, they not only kept the charge acct active but they ruined my credit and imposed late fees on a fraudulent charge. i am seeking interest in the amount of 1.2 percent each day account remains open from the date they opened it, the credit report not fully repaired, and for time spent emailing and repairing the credit in total of XXXX i am also seeking arbitration through Fair Shake and a class action attorney and have reported this to CA, SEC XXXX and DA.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened the Target RedCard Store CreditCard in XX/XX/2020. Ive been using the card. But I didnt use the card for couple of month later. On the XX/XX/2020 I tried to place an order through target store app but it did not go through. I called and was told that the card was closed due to inactivity. I was infuriated because at least theyd have notified me about the actions they were planning to take. I requested to speak with XXXX a supervisor about the situation to see if she can resolve it but to no avail. The confirmation number for the call with her is XXXX. This is so so so disrespectful and in a logical sense describes the relationship between corporations and consumers- they advertise to you and throw you out when out whenever they want. They didnt see me human enough to notify me of their actions before they take, neither did they see me human enough to reconsider and resolve it.
Company Response:
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: For 3 years td bank have me with late payments that wasnt my fourth I like to deputy
Company Response:
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have been out of work due to COVID19 since XX/XX/XXXX. In XX/XX/XXXX TD Auto gave ne an 2 months extentsion. As of XXXX still not back to work they granted me an extentsion but i had to pay XXXX interest in order to get extentsion. I was under the impression it was the COVID-19 extentsion by it being 2 months later. which the president signed into effect the CARES act and that creditors should try to accomodate consumers. they did grant the 2 momths. I am still as of today XXXX XXXX still not working and is onlt receiving the pandemic unemployment of XXXX bi weekly. I called and was denied the COVID-19 extentsion stating i already received the COVID 19 and Hardship and must wait to XX/XX/XXXX for another. when i called in XXXX i explained i still am not working due to underlying medical and covid-19 i though he extended me the covid relief payment extention instead he did a hardship and collected almost XXXX from me which i only get XXXX a month. now i am asking for an extenstion they tricked me into paying the XXXX dollars and made it a hardship which you can only request once a year. Wow what snakes. i am her with the COVID getting worse in florida no sign of me returning to work right now and i was denied any help which all comapnies where given relief funds to help consumers. i do not want to loose my car but this company is clearly about money. i have tried to reduce my payment due to creditors posting negative and missed payments on my credit file i can not re finance at this time. this is AMERICA the home of the Brave ... yeah right. the home of GREED. i want my extenstion granted by TD auto finance.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Companies involved - 1. XXXX XXXX XXXX 2. TD Bank 3. XXXX 4. XXXX XXXX I called each of these companies, reported fraud and closed the accounts.
Company Response:
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My family was away on vacation and when we returned we notice XXXX $ worth of fraud on our checking account. We immediately contacted the bank and we had to file two separate claims, as some Of the transactions were still pending and we couldnt open a claim to dispute them until after they posted to our account. The first claim ( {$50000.00} ) was denied while the second claim ( {$7000.00} ) was still being investigated. We appealed the first claim and that got denied as well. All TD bank keeps telling us is that we performed the transactions. They refuse to talk to or investigate with the merchant. All they keep saying is the names match on the accounts. Someone hacked my XXXX account. Changed my Phone Number, to further access my account and perform transactions that are normally confirmed with a text pin. The card info is saved on XXXX. Someone used my Cards to send Money to someone using a similar name to our business name. It has nothing to do with me or my family although the names are similar. TD bank continues to say, the names match and XXXX said the person used the exact information. After talking to XXXX, they haven my old mailing address on file. So I asked TD bank how the card went through if XXXX had the wrong mail in address on file and they said that maybe the transaction was performed by my parents or my husband. This is {$57000.00} worth of fraudulent transactions. I have XXXX kids and no money left in my account. This has been going on with them back and forth since XX/XX/20. The fraud reps are extremely rude and accusatory. I thought I was going to have a bank help me in a time of need. Instead they accuse me of lying and performing these transactions. I faxed them paperwork and information to show it was not me who performed these and they refuse to listen. Now we have no money and both claims are denied. We tried speaking to a supervisor and that didnt help. They said theres nothing we can do!
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2020 I applied for a loan with TD Auto Finance to purchase a used XXXX, I was approved for the loan which should have been the end of it there. But then on XX/XX/2020 another hard pull was added to my credit report. I proceeded to email the loan officer on XX/XX/2020, about the second hard pull and that I wanted it removed. I never received any response back from the loan officer I had contacted.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I bank at two national banks, XXXX XXXX XXXX and TD Bank. On XXXX XXXX, 2020 I initiated a funds transfer from my XX/XX/XXXX checking account to my TD savings account using the Bill Pay platform from XXXX. The amount I tried to transfer was {$200.00}. As of today XXXX XXXX XXXX, XX/XX/XXXX ), the funds have not been deposited into my savings account and TD has no record of this transaction. Although previous transfers using the Bill Pay apparatus has been successful, both banks deny responsibility for the disappearance of these funds. I have attached three proofs of payment from XXXX and two confirmations of deposits form my TD savings account. After hours of being placed on hold only to either be disconnected or shuffled among countless departments no one had answers. Finally, XXXX 's Online Bill Pay Claims Rep told me it may very well mean that the funds won't be recovered and I will lose the {$200.00}. They have done all they are going to do at this time. I find this unacceptable and fraudulent.
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2020 we closed on a new mortgage loan ( XXXX ) with TD Bank. The funds from this new mortgage loan were supposed to payoff our existing mortgage loan ( XXXX ) which was also with TD Bank. It has been 4 weeks and the funds from the refinance have not been applied to the original mortgage. It still shows an outstanding balance, payment due, and is accruing interest. We have notified our loan officer, XXXX XXXX, by phone and email multiple times and he has not responded to our questions. We attempted to contact his supervisor, XXXX XXXX, and he has not responded. The closing agent, XXXX XXXX at XXXX, verified that the funds were dispersed on XX/XX/XXXX and a wire transfer was sent to TD Bank to payoff the existing loan ( confirm via email received from XXXX XXXX on XX/XX/XXXX ) The payment to the old mortgage ( XXXX ) needs to be completed and back-dated to the date of our closing.
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A