Date Received: 2020-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new account with TD Bank, and had my direct deposit from my check sent to the account to fund the account. I called after my check was paid to me to find out about why I couldn't access my funds. I was told they needed to verify my identity in person, since I opened my account online. This would be no problem except closest branch is 3.5 hours away from me!!!!!! Why would they allow me to open an online account when they want me to come into an actual branch and they know the closest branch is 3.5 hours away!!! They refused to take the hold off my account or to send back my money to my employer, and told me that I would need the employer to reverse the funds. I attempted to get my employer to reverse the deposit and they attempted but told me the reversal failed. The amount in questions was {$1600.00}. They are literally holding my money XXXX at this point. The account in questions is for me XXXX XXXX XXXX XXXX routing - XXXX Account - XXXX
Company Response:
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: XX/XX/XXXX To Whom It May Concern : I would like to share my experience on XX/XX/XXXX at XXXX XXXX in XXXX, Georgia. I purchased a new XXXX XXXX XXXXXXXX XXXX. I was assured that the price that I was paying was actually a good price for what the car was worth. I requested a drive out price of {$43000.00}. I let the dealership know that my credit bureaus were locked due to previous identity theft. Unfortunately, I was not able to complete the transaction that day due to a power outage. I spoke to XXXX XXXX and instructed him not to shop my credit until the bureaus were unlocked then he could proceed. I returned to the dealership on XX/XX/XXXX, to complete the paperwork and take delivery of the car. I was surprised that the finance department added several warranties that I never asked for. I had previously purchased a warranty through another company so therefore, I knew that these charges were not previously authorized. I expressed my concerns and was assured that these fees could be removed within 30 days if I choose not to keep them. It was with this assurance that I closed the deal. I also asked who was the bank that they financed my loan through because I was not aware of the lender. I was again reassured that it was just one of their other lenders because XXXX XXXX denied my credit due to the locked credit. I took delivery of the car. Over the next few weeks, I received several letters from banks that denied my credit due to the credit bureaus being locked. This annoyed me since I asked them to wait for my permission, but at this point there was nothing that could be done. About a week and a half later, I received a letter from a lender that stated my loan could not be approved due to negative equity in the car. I called the dealership and spoke to Mr. XXXX who listened to my concerns. I stated that I was told I couldnt refinance my car for four months by XXXX in the finance department. This was odd because I have never been told this before. XXXX stated that the dealership would not get paid for the car and I would lose my rebates. The irony is in spite of these rebates, I was informed by several banks that the car was overpriced. Mr. XXXX stated that he would investigate my concerns and return my call. Rather than Mr. XXXX returning my call, a man named XXXX called. I explained my concerns about my credit, and the questions regarding the value of the car. I was assured that the car was valued at the price that I paid. I was offered a free car wash for the credit issue, I told XXXX that this gesture would not suffice if this car was overpriced. Additionally, I told him I would be able to verify his claim of value once I refinanced the car. It was a couple of days later once I tried to refinance the car that my worst fears were realized. My credit union stated the car was priced {$10000.00} over book value. I was mortified. I again reached out to the dealership and actually spoke with the owner Mr. XXXX, who stated that I got a beautiful car and a fair price. He offered to speak to my credit union representative to assist in refinancing my car. However, this never happened. Their finance department spoke to their representative from my credit union who refused to discuss my loan as they didnt have my permission. I asked XXXX XXXX to call my loan officer and he refused. He only provided the sales paperwork. Needless to say, that deal never came to fruition. I sought out the assistance of a local bank and I gave them Mr. XXXX information and the bank stated he never returned their call. I'm very disappointed in the treatment that I have received. I'm a single mother that is possibly responsible for {$10000.00} that should have never been charged to me. The finance department knew this fact because they chose a lender unbeknownst to me that I recently discovered financed my loan without verifying the value of the car. This car is below XXXX XXXX value and this value was verified with an appraisal with an independent company. I have excellent credit and I didnt have to have a questionable lender to finance my car. This dealership did this in order to defraud me. This practice is totally unethical. It is my hope that someone can provide any assistance to resolve this matter.Thanking you in advance for your consideration in this matter.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
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 XXXX, and NORDSTM/TD. 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 XXXX, and NORDSTM/TD with no successful resolution. There was definitely an error on their part.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Checking and saving were open in my former name. Contact the bank to report fraud and to have account closed. I was told someone will send me a letter telling me the account was closed.
Company Response:
State: VA
Zip: 22485
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On several occasion, I contacted TD BANK USA/Target Credit card about a credit card that was issued during a fraudulent transaction. During XXXX ( months of XXXX, XXXX, and XXXX ). This credit was open fraudulent and I never received a bill on the mail about this transactions. Anyhow, I ended paying the due amount. TD Bank USA/Target Credit agree on removing the negative payment history from my credit card. Yet, they did deleted from XXXX. But, it stills show on XXXX and XXXX. After several attempts with Target, the negative payment history still showing.
Company Response:
State: NJ
Zip: 07016
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: TD Bank keeps going into my XXXX XXXX credit cards and withdraws {$25.00}. They are not authorized to do this. What gives them the right to go into my two credit cards and take {$25.00}. This is causing a problem for me and I want this solved.
Company Response:
State: FL
Zip: 34668
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
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: There are charges I know nothing of or was aware of.
Company Response:
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I used XXXX to book a vacation. The first payment was taken in the amount of XXXX on XX/XX/XXXX. Then XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX due to Coronavirus ( COVID-19 ) threat XXXX cancelled my trip, and advised that i will need to speak to my debit card 's issuing bank for your options as a cardholder. I did as advised to no positive conclusion. My card issuing bank just keeps telling me to resolve the matter directly with the merchant. The following statement directly from the merchant Please note : XXXX paused operations on XX/XX/XXXX as this crisis was unfolding. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder. I've submitted the cancellation letter provided to me by the merchant, I've also submitted the flight and hotel information, to help with a positive outcome. Again they denied my claim. Several people that had used the same merchant disputed successfully with their credit card bank and recieved their money back. This situation is going on since the end of XX/XX/XXXX.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Td bank. Sevond time There fruad depart called to letcus know potential fraud been attemted in nevada but were in florida. So we cloed it .they cost us hindreds.in overdraft ans late fees.so the bank mnager gave us his word that only the 2 pending items will keep it open, nothing ekse will be able to ach or pending be able to go through, same thing they tolb d us last time. 2 days later a ach comes out of our closed account that has no money, so they take it out of our new account with a differnt account # and the company that took the ach out didnt even hsve our new account # s so i rush to atm to see if i can still possiby get that ach back and it ket me.now there calli g me every day, firsf ever apolgy letter ever gotton from TD.waved all overdraft and fees.but they still want me to pay for the ach i didnt authurzie and another bill i didnt authurize.out of a closed account .for there mistake
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A