Date Received: 2023-09-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/XXXX I paid my account off to make another purchase. And they stated they are holding my {$300.00} dollars I paid until XX/XX/. This never happen before they said I made 3 payments on the account. Because I usually pay off my purchase. When I contacted them about this they transferred me to my bank. I did not feel comfortable with that transfer because Target have a lot of data breaches and I did not know for sure who they transferred me to. I am just trying to use the card I paid off for another purchase and this seems illegal to hold funds they already took out my account immediately when I paid.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company was sent a cease and desist and continues to violate the law and continues and admits to continuing to report disputed information to my credit file when company knows it illegal. Cease and desist consists of ceasing ALL attempts to collect any debt and All communication regarding such debt.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had an account with TD Bank. I contacted them because my XXXX account was hacked. They temporarily credited my account for the charges that where done inside of XXXX. Many months later my account was negative and when I went to check why I was told I lost the chargebacks. I asked ... How that could even be possible? What did XXXX send them? At first they said they didn't send anything but it looks like the first representative didn't fill out the chargeback correctly. The next person who did the chargeback for me was a supervisor and she made it seem like I would be fine. She did everything again for me. So she credited my account again. There was one single transaction that the chargeback worked for but others it didn't. After a while my account became negative again. They also told me there is noting else they can do. They are not able to dispute another time. I said well you can not expect me to pay for something when my account was hacked. They are my bank and should protect there customers like many others do. It was numerous transactions. The total that they say I owe is around {$2400.00}. I asked the representative what will happen next. She said it will go to there internal collections department. I said I will not pay and I will not use them ever again. I will also make others aware that they should not use them because if they ever have a problem they may not win the dispute. They sent me a couple of letters about closing the account. I never received any collections letters but a few days ago I received a phone call from a collections company radius. They did not leave me a message but I seen the number and called back and I didn't even say who I was but they explained it was about td bank. I should of learned my lesson the first time something similar happened with TD bank. My wife and I hired a moving company and had to give a deposit. The moving company never showed up. They made a mistake with the date. We had to hire someone else the last minute. They still charged the around {$600.00} deposit. Went through the chargeback process with TD bank and tried multiple times with them till they said they cant do anything else. We lost all that money and TD bank was no help. My wife and I no longer can trust TD bank to protect us in situations that are not our fault.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Item 8 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 9 : - Account Name : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please. Item 10 : - Account Name : TD BANK N.A. - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: when disputes were made throughout the year of 2023 the company refused to do full investigations in to disputes. if disputes were handled properly i would have won the case which was opened 4 TIMES. Every time they closed the case without speaking to me or the company that refused my refund and caused over {$1000.00} in overdraft fees. These fees would be for items between XXXX dollars at {$35.00} each. On top of this TD bank was charging me XXXX a month for a simple checking account fee when i was supposed to be paying {$15.00} or less. This action also caused overdraft fees. This is a scam and I will take them to small claims court beause i work hard for my money. Everytime i tried toget the over draft fees returned back to me they would refuse. even after speaking with a XXXX they would only refund 2 fee 's out of 10!
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: My escrow account was charged {$7200.00} on XX/XX/2022 for not having property insurance, proof was provided as requested ( on 2 seperate occassions ). TD Bank acknowledged receipt and was to refund the charge. I have called and corresponded with them and they claim that the money was returned. However they are not providing me with where and when it was returned and I haven't been able to account for it. The last I spoke to them they were to provide an accounting and all I got was an escrow statement but the credit of {$7200.00} is still not accounted for.
Company Response:
State: NJ
Zip: 07869
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I got a missed payment email yesterday for payment due on XX/XX/XXXX. I had set up automatic payments which I thought was enabled. Further investigation on my part showed that I also had a missed payment in XX/XX/XXXX. Per my conversation with customer service rep, TD bank card services changed they automatic payment process. Further conversation indicated that i have not received a paper statement in a while which is my preferred method. Per the rep I would have had to request e-statements and when she tried to help me navigate to the option to enable paper statements but the option doesn't exist to opt in or opt out of paper statements. Per rep mailers were sent out regarding the automatic payment changes via mail, then I stated that I have not gotten any correspondence from them except a letter notifying me of my credit limit decrease back in XX/XX/XXXX. Also they noted that credit limit decrease was due to late payment which was supposed to be an automatic payment. Furthermore I got a total of {$69.00} in late fees as result and apparently they are charging a fee for charging interest. So i get a fee for charging interest after they charge me interest. This is a classic case of predatory practices. In regards to my credit limit decrease they also cited delinquent accounts on my credit report. I checked with all three bureaus and there are no delinquent payments in my history except for one in XX/XX/XXXX.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX XXXX XXXX a few months ago I opened two accounts checking and savings, in the city of XXXX, branch llocated at XXXX XXXX XXXX, for work reasons I moved to the state of Nevada. I sent a letter addressed to the branch manager, asking to close both accounts and sent me the checks to my new address, XXXX XXXX XXXX XXXX XXXX Nv XXXX. I wait 3 weeks waiting for an answer and I decide to call directly to the bank, I spoke with different people about my situation.At the first time they told me the checks they had sent to my old address. I called to my landlord to see if she has an envelope from TD Bank she said no never got anything in the mail. Days later I called back again to the branch, to tell them the letter they sent me was missing. The second call I made to them, They said they never got any letter from me asking to close my accounts, so I asked why the first time when I spoke to them, they told me the checks were sent to the address registered in my account. Finally, the people at that branch told me to call customer service number, because they can not do anything there, I been really patient calling to customer service, the same way they told me I have to talk directly to the bank because the decision has to take the branch manager. I spoke 3 times with customer service asking to help me to resolve this situation. They were supposed to send emails to the branch manager waiting for answers. I can not believe this bank treat customer this way, because I'm XXXX? at that branch they pretended not understand what I said, they even transferred to someone who spoke XXXX. The same way I explain to that person in XXXX he did do anything. I feel discriminated against with all people I spoke in that branch, just to claim my money.
Company Response:
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A