Date Received: 2020-08-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: TD BANK HAS A PHONE HOLD TIME EXCEEDING 90 MINUTES TO HELP A CUSTOMER. THIS IS OUTRAGEOUS AND DOWNRIGHT RIDICULOUS. IF THIS WERE AN AMERICAN COMPANY THIS WOULD NOT BE HAPPENING. TD BANK CONTINUALLY APPLIES CHECKS SENT ON XXXX BY MY BILL PAY THROUGH XXXX XXXX XXXX LATE AND THEN CHARGES ME A LATE FEE. I AM SICK OF IT. TD BANK SITS ON CHECKS, DOES NOT HAVE XXXX LIKE EVERY AMERICAN BANK DOES. THIS IS A DELIBERATE ATTEMPT TO MILK LATE FEES OUT OF US CUSTOMERS AND IS NOTHING MORE THAN INCOMPETENCE AT THE EXECUTIVE LEVEL WHO IS ULTIMATELY LIABLE FOR ALL OF THE BAD BEHAVIORS ON THE PART OF TD BANK.
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2020, I opened a 3-month CD account with TD Bank. The contract was due to mature on XX/XX/2020. In early XXXX, I proactively called the TD Bank hotline after receiving a letter of notice indicating that the CD will be automatically rolled over to another 3 month contract if I do not take action on the maturing contract. The letter specifically gave me two options - either to call the TD helpline or visit a local branch. Given the pandemic situation and reduced hours of branches I naturally reached out to the helpline on two occasions - XX/XX/XXXX and XX/XX/XXXX ( when I received the letter ). On both occasions the staff said that they will note my preference on my account and that the CD would not roll over. To my horror, I looked into my account today to see what was going on as the funds did not transfer to my bank account as expected, and saw that TD had in fact rolled this over into a new account AGAINST MY REQUEST. I called the helpline again and they refused to entertain my request on the basis that all CD-related requests are to be handled by a local branch employee. I then contacted a local branch employee who dismissed me as having been ignorant of the fact that all CD requests should have gone through a local branch to begin with, and that I will have no other choice but to pay the penalty if I want my funds withdrawn. I want to make this clear that at no point during the two times that I called the helpline in XXXX and early XXXX was this explained to me, and the letter clearly listed the helpline as another option to have my request processed. This involves funds that I have an immediate need for and the fact that I went proactively called ahead of time and instructed for the accounts not to roll over did nothing to avoid the consequences of their sloppy and unprofessional mishandling of a simple request. I ask that this be investigated and my funds be returned to me as soon as possible without the attendant fees and penalties. Thanks
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. XXXX has not responded to my request nor have they removed the remark. XXXX and XXXX have both responded and both removed the negative remarks.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have spoken with XXXX XXXX/XXXX XXXX and per the manager they have been reporting my balances correctly to the credit reporting agencies every month. I have been sending letter to all 3 credit reporting agency letters every month since XX/XX/2020 to update my balance on my room place account but still has not been updated since XX/XX/2020. The balance is incorrect
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a savings account for my XXXX year old with TD Bank in XXXX in XXXX. Ever since the account has been opened, I have not received a single communication from TD. I called in XX/XX/XXXX to inquire about the account and they told me it was inactive and that in order to activate it, I have to process a transaction. I went in and made a deposit. I asked for a statement and they were not able to give me one. They instructed me to sign up for online banking. I tried signing up for online access but their site would not accept my credentials. I tried few times after to no avail. I called them in XX/XX/XXXX and requested either an ATM card or a bank statement so I can have some sort of record. The rep informed me after verifying my identity for 15 minutes that she can't release any information since the account is now inactive. I asked to speak to a supervisor and she would not put me through to one. I finally asked her to mail or email an inactivity notice and she also refused saying that she could not do that for an inactive account. After arguing with her for some time, she finally agreed to send the notice. She verified my information again and said that I should receive the notice in 10 days. It's been a month and I have not received anything, and I have no access to my funds.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank received my mortgage payoff on XX/XX/2020. As of XX/XX/2020 - 22 business days later, I have not received a refund of the escrow balance. I attempted to resolve with TD Bank. They initially said a payment was to be sent on XX/XX/2020. Next I was told I would receive funds on XX/XX/2020 ( 20 business days as required by law ). On XX/XX/2020 I was informed " the check is in the mail as of XX/XX/2020 '' and there is no tracking or validation. This appears to exceed my legal rights XXXX " within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control. '' They have clearly not returned the funds to me. Stating a check is in the mail is not an excuse.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: This company is wanting to offer a finance on a car that I supposedly own. They started calling XX/XX/XXXX, twice again on XX/XX/XXXX, twice on XXXX, three times on XX/XX/XXXX, three times on XX/XX/XXXX, four times on XX/XX/XXXX, two times on XX/XX/XXXX, twice on XX/XX/XXXX, three times on XX/XX/XXXX, three times on XX/XX/XXXX, and again this morning, When I did answer the phone one time, I asked them to remove my name from their calling list. They wanted to know what my phone number was. Since they called me, I told them they already have my number and to please quit calling me to no avail as they keep calling me. I think 26 times is definitely harrassment. Please advise what further action I need to do to keep them from calling my cell phone.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with XXXX XXXX, TARGET/TD, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, TARGET/TD, and XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: TD has reported a change off account on my credit report that I was not aware of. I disputed this account that I never opened with Target for 6 months now ... I finally got a representative who stated if I paid off the balance due ( not my card ) they would remove this erroneous account from my credit report. I paid {$420.00} for the card I never requested and never used now Target is refusing to remove it .... I have written to them on numeous occasion asking to provide a copy of the original contract and payments made on this card so I could prove to them that it was NOT my card and I did NOT apply for this ... Target ignored all my requests, written, verbal and electronic and only sends this letter ( attached ) statiting they confirm this account being mine but on WHAT BASIS THEY DO NOT DISCLOSE AND DID NOT PROVE THEIR STATEMENTS WITH COPY OF THE CONTRACT OR PAYMENTS THEY RECEIVED. I filed a police report due to identity theft as instructed by the bureaus but still ... this account is damaging my credit report this is illegal and is there any justice to consumer? ...
Company Response:
State: CA
Zip: 95138
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This past spring I was in the process of paying my Target store credit card bill. This time when I put in my name and password someone else 's name came up on my account with his store charges but my home address. I immediately contacted Target customer support. When I identified my name to the customer service rep, he too asked why is someone else 's name on the account? They said they'd fix the problem and I said I wanted to wait to pay my bill UNTIL my name was on MY billing statement. Apparently that took a few weeks but when it was finally straightened out I immediately paid off my bill in " full '' to a zero balance. Target said they would not charge me a late charge but to my big disappointment they DID report my account as paid in full but past 30 days late. That's not right! I tried to pay my bill but was afraid I was paying someone else 's bill. It is stopping me from getting a refinance on my home loan.
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A