Date Received: 2020-08-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX. I have been trying to hard to provide for myself. I am a hard worker, single and with a low income from ssi. I was a XXXX at XXXX XXXX XXXX and am XXXX to start classes again this fall. I get frequent emails from them. Last few have been about local jobs in XXXX. I applied to one of them with XXXX XXXX. I was told that I was going to be working from home. And I was sent copies of checks by email. I did find it suspicious but XXXX XXXX told me that XXXX XXXX was a good company and that they had an office in XXXX. So I went on to deposit the checks to my online banking app with TD Bank like I was instructed. I also had to reach out to XXXX XXXX and paid them for the materials I needed to work from home. I was told to pay using XXXX and XXXX. Again I was worried but since I was told everything was fine I went on with it and also I was thinking maybe is because they are working from home due to the pandemic. And I had checked that there was a website for XXXX so I did the transactions. Now my accounts are frozen with TD Bank. And my phone was hacked. I even had a cd account because I am thinking of my future and those of my immediate family. I am so passionate about securing a future for myself if I need money for the future that because I could I invested in writing a book and getting it published. Future sales would mean future money just case things go wrong. Now I find myself not being able to pay my bills and the people from TD Bank are playing games with me, I've been on the phone so many times, to branches, and all for nothing. I just don't know what to do anymore. I don't want to be homeless or have my services shut off. I need help. I even provided a police report and copy of an email to the TD Bank on XXXX XXXX in XXXX, Massachusetts. They were nice. However when I had an appointment at the TD Bank on XXXX XXXX in XXXX, I was mistreated. Drove there for nothing and a person said they had made an error in giving me an appointment and she was correcting the error. All this from the other side of the door. No courtesy at all.
Company Response:
State: MA
Zip: 01852
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been a very good credit customer with Target for almost two decades. Over the years they have increased my credit limit to XXXX. On XX/XX/2020, I received a credit alert from XXXX XXXX. That alert indicated that Target has reduced my credit limit from {$12000.00} to {$3500.00} which can impact my credit rating. I checked my Target account and it did show that my credit limit was now set to {$3500.00} with no notification and no explanation. I contacted Customer Service immediately. I was told by the account rep that it was due to the fact that I hadn't used the card in six months. I was appalled given that they would take this action for non-use during the Covid-19 pandemic. I then requested to talk to a manager. The 'manager ' told me that it was because I had a high balance on one of my revolving accounts which was reported by XXXX. She would not tell me what specific account nor give me any information on how to contact the credit reporting agency. Prior to this event - my total credit usage was at 8 %, but now it is at 11 %. They told me there was nothing they could do. I told them that I do not understand why they did not notify me of this change that impacts my credit rating and I only found out about it through another bank. They told me that it is nothing that they did and that it was because of the credit reporting agency actions.They also said there was nothing Target credit services could do to help me. As a result of this change my previous credit rating of XXXX has dropped to XXXX. I have a separate account that I recently took advantage of a 0 % interest deal to pay for a college fee of {$6000.00} for my son because I can pay it off gradually over 9 months instead of paying up front. I can only assume that is the account they are flagging - but I've had much higher balances on multiple cards in the past, temporarily, without these kinds of actions being taken, so my only thought is that they are likely cutting credit lines to many people to limit risk due to the pandemic. I paid off a lot of debt over the past year - including my vehicle and am almost done with a home improvement loan which was originally {$25000.00} and is down to $ {$3100.00}. This is disturbing because other accounts could take similar action because of this event and further damage my credit rating. I have been employed with my current employer for over 20 years and am able to work from home 100 % of the time. My company is doing very well through this crisis. I am very low risk for creditors, and this is very disturbing that they can do this and have this negative effect on my credit rating without even notifying me. I can only imagine what this could be doing to people that actually need to use their credit lines during this difficult time.
Company Response:
State: OH
Zip: 44094
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I applied for a small business checking account through TD bank in order to apply for the PPP for my XXXX XXXX. I received an email that my application was received, but after about a week I had not received information from TD Bank so I called their customer service hotline. They told me that I could not be helped over the phone, and that I must make an appointment to go in person to a TD branch, despite the Covid-19 emergency. I went to my local TD bank branch. A bank employee called the TD bank central number to check on my account application status. They told her they could not help at all, that it was no use for me coming into the branch. The bank employee apologized for wasting my time. I asked that they close the account and cancel the application, but I was told at the branch that was not possible. I went home and opened a small business account, the next day, with a different bank. There was no delay. A few weeks later, TD sent me a letter saying my account has been opened. I don't need this account because it's too late -- I already applied for the PPP through my other bank. I called TD asking for them to close my account, and they said -- once again -- that I need to go in-person to the branch. I refuse to waste any more time with this. TD bank needs to close my bank account, which has a XXXX balance and I have never used.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Target Corporation, after repeated attempts have failed to follow through on removing a 'charge off ' from my credit bureau reporting from XXXX after the 2 year expiration date of reporting. I have repeatedly escalated this issue with both Target and XXXX, both personally, and with XXXX XXXX legal counsel. XXXX is the only credit bureau reporting this charge off data incorrectly. It has corrupted my XXXX score by nearly 100 points. I have otherwise excellent credit. XXXX has responded to me in a disreputable manner, and they need to fix this erroneous reporting immediately. NOTE : Both Target and XXXX repeatedly state the dispute is wrong, and their records are correct. This is unconscionable.
Company Response:
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Have an ongoing loan with TD auto finance. In XXXX, I became XXXX with XXXXXXXX XXXX and lost nearly six weeks of work. I called TDAF and they offered to put my payments on hold until I was back on my feet. I had a letter from my Hospital. I resumed my payments last month. I received a letter in what appears to be a fake certified envelope with a date as delivered different from the actual date it was delivered. Letter stated I had to come up with nearly 4000 $ by XX/XX/XXXX as a balloon payment or they would begin reposection. The envelope did not have a return receipt to sign by the Addressee. Just getting back on my feet leaves me in no position to come up with a balloon payment. I am on Social Security. They never told me i would have to pay all this back. Its listed on my credit report as a charge off due to the bank offering assistance with covid 19. Can they do this to me?
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On TARGET Website I purchased XXXX XXXX XXXX XXXX for 1 year. As soon as I had charged using Target RedCard # XXXX XXXX XXXX XXXX, I called and went on website to cancel. On or about one week later I received the same software that I had cancelled. I attempted to bring it back to the Target Store at XXXX XXXX, XXXX, Ma. The store stated that since it was purchased off of their website they could not take it back since it was from a seller. I then returned the unopened merchandise through XXXX on XX/XX/XXXX. Please see Return Shipping from XXXX dated XX/XX/XXXX. I then addressed a letter to their President/CEO at XXXX XXXX XXXX, XXXX, MN XXXX. On Monday, XX/XX/XXXX i received a notice from XXXX that my Fico Score had dropped for non-payment. This was followed up by dunning letters from Target. I attempted a resolution but was unsuccessful after spending three hours of phone time. Please see supporting documentation.. I was a Target fan, never will I step foot in this organization again. Thank you. XXXX XXXX
Company Response:
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I attempted to visit a TD bank branch in XXXX, XXXX, to withdraw funds to pay rent and bills that I was late on. I am a XXXX and I have lost my job as a direct result of CoVID-19. Being behind on bills and rent until my PUA arrived in my bank, I finally went on XX/XX/XXXX to withdraw money. In order to withdraw more than {$1000.00} at TD bank, you have to see a teller. I went to 2 different branches, but there were long lines exceeding an hour long. The lines were outside on the street, and as I am on XXXX medication that causes XXXX, I am not allowed to be exposed to the sun longer than 20 minutes at a time, let alone stand in it for an hour + to wait for a teller. I explained this to the security guard and asked if I could at least wait indoors until it was my turn, but they denied me. So, I decided to use XXXX and XXXX to transfer funds for rent and bills, as I have done so many times in the 1+ year I have had my TD bank account. After making the transfer, I received a text to verify that I indeed authorized the charge and that it was not fraud. I approved the text and confirmed my transfer, and received confirmation that it went through. The next day, on XX/XX/XXXX, my TD bank account was closed down. I was unable to log in to the account. I first called customer support, and after spending approximately 2 hours on the phone with long wait times due to CoVID, the first representative stated to me " You no longer have access to funds and I am not sure what will happen to them or if you can get it back. '' Now, I know TD online customer support records their phone calls as they state when you first call in, so they must have heard the panic in my voice and frustration to be told that my savings disappeared to thin air and the representative advised me she doesn't know what will happen to my funds. To inform me that I will not be able to get my funds and whether I can get them back at all is misinformation. It was extremely unprofessional and I should not have had to deal with that situation. The next day, I went to the TD bank branch in XXXX and called ahead of time to make an appointment. A teller named XXXX helped me with my situation. I explained to him the situation and after investigation, he stated that my account had notes from corporate that there was suspicious activity related to XXXX XXXX. He stated that the charge was suspicious and that the person I sent it to was flagged for suspicion as well. Now, I explained that I indeed did make the charge and it was for rent and I even authorized it from the text that TD bank sent me. Thus, why would they assume there was any foul play or unauthorized transactions? He then stated there was no record of a verification text sent to me or the confirmation. Ultimately, he stated the account was closed and that after his discussion with corporate, I would have to wait 2 weeks for them to mail me a check with the funds/savings from my closed account. It is important to note that the back and forth conversations with XXXX and customer support claimed a total of 8 hours of my time as it was unorganized and not well managed. 2 weeks later, I still did not receive my check, so I called the teller, XXXX, back again to follow up. There was no answer. Since then, I've called 20 + times, and also called online customer support. No answer, no help. Each representative online told me that they can not help me, but did not give me answers to who can help me and who I can contact. The last phone representative looked into the account and stated once again, there was fraud charges from my last transaction. Now, this is when I realized that my account was closed due to discrimination. As I researched OFAC 's attempted legislations to prevent discrimination from financial institutions and apps such as XXXX XXXX, XXXX, XXXX, I saw hundreds of cases used as support for Congresswoman Meng who attempted to pass legislation against discriminatory behavior that leads to accounts being closed. You see, XXXX, XXXX, and XXXX community members ' accounts are reported to be closed down and flagged without an explanation. TD Bank has a history of me using XXXX and XXXX XXXX for 1+ years with my time with them and never found my account suspicious when I was transferring to roommates named XXXX and XXXX . Yet, the first time I used it to pay rent to the landlord named XXXX, they flagged my account and closed it with the excuse of " suspicious transfer ''. Furthermore, they vehemently denied having proof of an automated text sent to me from TD bank that asked me to verify my transfer in the first place. It is rather hard to believe that a large company such as TD bank would not have a record of electronic data such as phone texts sent to verify transfers and prevent fraud charges. What was the need to deny such a text if their actions were not discriminatory? In addition to discriminatory behavior that caused TD bank to close my account, they have now been holding my funds illegally and not releasing them. It has been almost one month now ( short of 2 days ), since they assured me I would receive my funds in a check for the account they closed within 2 weeks. It has been 4 weeks. My rent is due, my bills are due. I do not have money for food during a pandemic, while I was a XXXX XXXX XXXX who is unemployed. I am not at risk of homelessness due to not having access to any funds or savings to pay for rent or food due to TD Bank 's discriminatory behavior that led to my account being closed in the first place. I have cumulatively reached out to TD Bank branches 20 times, I have called TD online customer support cumulatively for 8 hours, I have even reached out to TD Bank via XXXX so that perhaps a Leader from their company would contact me. No answer. It is morally corrupt for a bank to close and flag my account in the middle of a pandemic due to their discrimination when I sent rent to a landlord named XXXX. They closed my account due to a charge that they thought was fraud clearly because it was a XXXX name, but in the past when I transferred money to my XXXX roommates and that too, large amounts of funds, there was no flagging. Now, we are in XXXX and I am late for rent and bills once again. I have already been notified that I can not keep missing rent this way. I have literally had to get food from pantries and have been starving many nights because I don't have funds to access as TD Bank has not returned my savings to me. It should not take 1+ month, certainly not when my account was wrongfully closed in the first place. At this point, this company needs to be reprimanded for their actions. Their representatives who provide wrong information should be reprimanded. I am fed up. I am a XXXX XXXX worker who has spent a near decade of my life to service the public and public XXXX. I have fallen upon difficult times, and have now been further exploited by TD Bank.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I saw a TD Bank advertisement for a promotion at XXXX : XXXX I decided to open a new account because I was interested in the promotion. On XXXX XXXX, XXXX I opened the checking and savings accounts online. Checking account number : XXXX Savings account number : XXXX I already have had a credit card with TD Bank for a few years : My TD Cash credit card is : XXXX XXXX XXXX XXXX expires XXXX I had to call TD Bank last week in order to link my new checking and savings accounts with the same login as my credit card that I've had for years. Then a few days later all of suddenly I am unable to log into my TD account. I called on Saturday XX/XX/XXXX to see how to access my accounts. I had just funded a total of {$400.00} from my checking account at XXXX XXXX, and I was wondering why I am suddenly unable to log in. I was told on the phone by TD Bank customer service that I would need to reach out to my local branch which was XXXX to XXXX, XXXX, the same city as my mailing address. I explained that I am in XXXX, XXXX and due to the pandemic situation that I will not be returning to XXXX until there is a vaccine as there is too much risk. The customer service told me on Monday to reach out to the local branch by phone and they should be able to solve this for me. Today I reached out to the local branch in XXXX, XXXX. I explained my situation and what is going on. I was told that the manager of the XXXX branch would work to solve the issue and that she would call me back. I waited the entire day, and did not receive a call back from the manager. Prior to being able to get a hold of the XXXX branch by phone, I had also called the XXXX, XXXX branch of TD Bank to ask for help and let them know what is going on with all of my accounts being frozen and unable to log in or access my accounts or money. I later received a call back from the XXXX branch, where I was told that the only way TD Bank would be able to help would be if I traveled thousands of miles during a pandemic to visit a branch in person. I said that is impossible, and that I need another solution. He told me that there is nothing else that I can do. He told me that he will not do anything else to help. He told me that if I call the toll-free TD Bank phone number ( the main number ) that they will tell me to contact the assigned local branch to my account, and that the local branch is powerless to help me. He told me there is nothing I can do. I am in XXXX, XXXX for the indefinite future with no plans to come to XXXX until the pandemic is over or there is a vaccine available. The closest TD Bank branch is thousands of miles away from where I physically am right now. I find this unacceptable. First of all, there is a once in 100 years pandemic right now. The epicenter of the pandemic is XXXX. It is unacceptable to demand that customers travel or step into a branch. I understand they want to verify that I am the one who opened the accounts, but there are other ways to do this. I offered to fax / e-mail a copy of my driver 's license / passport and other documents. I was also calling from the phone number on file, that I have had on file for many years. I informed the banker that I also received the e-mail notices on Sunday night from TD Bank that my initial deposits from my XXXX XXXX checking account had failed. This is the same e-mail address that I have used for many years. TD Bank has on their web site and phone line that they are " XXXX XXXX XXXX XXXX XXXX '' as a tagline. There is absolutely nothing convenient about this situation and this is draining my time at a time when there are a lot of challenges and difficulties already. -- I banked with TD in the past, and had an account in XXXX and XXXX with TD Bank. In XXXX, my account number was : XXXX - TD Convenience Checking I opened that account on XX/XX/XXXX In XXXX, my account number was XXXX - TD Premier Opened on XX/XX/XXXX. My phone numbers, e-mail address, and login are still the same as they were in XXXX. -- I do not authorize TD Bank to hold on to my funds forthright. I am demanding that my money be returned to me either back to my original funding source at XXXX XXXX where the funds were originally transferred from or as a check to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I need my initial deposit ( s ) returned. This is unacceptable that TD Bank is holding my funds hostage with no recourse and no resolution. Especially with everything happening right now with COVID-19. I am looking for a quick resolution to this problem with having my funds returned to me as soon as possible.
Company Response:
State: FL
Zip: 34482
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The amount is {$89.00}. I got charging case from merchant in XXXX but in XXXX case stop working I do have receipt where is saying that I got 5 years warranty so I try to call merchant numerous times but no luck so I call my bank and file dispute after some time I received a message that this transaction is legit and they can't dispute it I call them they said write us letter to reopen case I did so but nothing so I call and call and call and email but nothing so finally someone from private number call me back and told me to stop calling and email them go my way and deal with a merchant that they will not dispute this transaction. Please help me I know its seams {$89.00} not a lot but its big money form me.
Company Response:
State: PA
Zip: 18966
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: TD Bank via their hired law firm, XXXX XXXX XXXX, refuses to negotiate in a remaining balance of a debt incurred by an estranged spouse. Reps from the law firm has suggested my credit will remain damaged and are attempting to continue to collect interest as opposed to accepting a fair and complete settlement offer. Further it should not be legal for them to not disclose who owns this debt. Is it TD Bank? Is it XXXX XXXX XXXX? I have no idea who has bought or sold this debt and who owns it.
Company Response:
State: WI
Zip: 53132
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A