Date Received: 2020-07-08
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied online for a personal loan on XX/XX/XXXX. Since then, I have been unsuccessful with obtaining a status on a decision for the loan. I do know that a TD Bank performed a hard credit inquiry as I have a credit monitoring service ( attached PDF ). I've only received an email ( attached PDF ) with instructions on how to obtain loan status. As of this date ( XX/XX/XXXX ), the status is unchanged - no decision - stating a rep will call me ( attached PDF - note date of status vs. date on computer bottom right ). I've also called TD Bank and the representative was extremely unhelpful, knew nothing and told me to just wait.
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To make this short and simple : TD Bank closed my account due to credits coming into the bank account with a different company name than the account holder. I was told by the bank i would receive a letter in the mail and a check for my $ XXXX and some change but that has not happened. It has been 2 months since the bank claimed to be investigating my account, and i still have not heard from them. I had my attorney get in contact with the legal department but the rep there does not reply and if she does its with vague information. All i want is my money in the account which is a little over {$25000.00} XXXX these funds are 100 % legit, and therefore should not be held XXXX Please help me resolve this issue.
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2020-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was sent a promotional offer from TD Bank offering a {$300.00} cash bonus to open a TD Beyond Checking Account. The offer stated that the account had to be opened by XX/XX/XXXX ( I opened the account on XX/XX/XXXX ), that I had to set up direct deposit and deposit {$2500.00} within 60 days ( which I did ), that I could not have had a checking account with TD Bank in the past 12 months ( Which I did not have - I did have a checking account with them in XXXX ). When I opened the account I spoke with XXXX XXXX, a Store Supervisor to ensure that I met and could meet all requirements. She ensured me that I did and that I did qualify for the {$300.00} cash bonus. I called the bank after 90 days and they reassured me the bonus was on the way and that it could take up to 120 days before receiving. After 120 days I called the bank again and was told that I met all requirements and that they would contact the correct department to have the {$300.00} cash bonus deposited into my account. One week later ( no phone call or explanation form TD Bank ) I called again. After speaking with a representative for quite a while explaining my situation I was connected with the Branch Manager XXXX XXXX. She told me that XXXX XXXX was no longer at that branch and that she would look into my dispute. I have documentation of mailing offer and statements. XXXX explained that the mailer says bonus can not be combined with any other offer ( which it does ). I explained to XXXX that I did not combine any other offer with the opening of my new account. XXXX XXXX also reassured me I was not combining this offer with any other. XXXX XXXX then told me that I received a {$300.00} bonus in XXXX from TD Bank when I opened up a checking account with TD Bank in XXXX. I told her that yes, I did receive a {$300.00} cash offer from TD Bank in XXXX, but that I was not combining it with this offer. There is no where in the TD Bank mailer ( I do have a copy ) where it states that if you previously received a bonus from TD Bank, that you are ineligible for another bonus. As previously stated, I have all documentation and believe TD Bank did not live up to the bonus offer sent to me. Sincerely, XXXX XXXX ( XXXX ) XXXX
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XXXX of 2019, I took advantage of TD Bank 's promotion which offered customers that opened a savings account and deposit {$20000.00}, a {$300.00} bonus after six months. After the six month period expired, TD Bank refused to provide the {$300.00} bonus.
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This complaint is in addition to an already filed complaint. Original complaint # : XXXX. Original complaint synopsis ; I opened an account with TD Bank online and provided all necessary information. An account was opened and I received my debit card and all account numbers. I could not set up an online account access. The company informed me I must take I.D . to a physical branch in person to finalize process. There are no physical branches within 140 miles of my home and I do not drive. The bank transferred my initial deposit from my primary bank. I can not close the account without first presenting I.D . in person. New complaint. I received my monthly statement on XX/XX/2020. I have attached a copy. My initial deposit of {$50.00} has been reduced by {$16.00} in monthly fees. I have no access to this account yet they are deducting whatever they want until there is nothing left. Now I have {$34.00}. They have not responded to the initial complaint as of this date. I am having emotional distress and am forced to file a lawsuit if no satisfactory resolution occurs.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom this may concern ; I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX BANK XXXX # XXXX Opened XX/XX/2017. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I XXXX XXXX got a pre-approval for a personal line of credit and someone with ghost technology ( XXXX ) ran interference and had XXXX XXXX, XXXX, and store manager XXXX XXXX XXXX lie about pre-approval.
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX XXXX, I hope all is well. My name is XXXX XXXX I have an account with TD bank # XXXX. My family and I were impacted by Covid-19 and when I called sometime in XX/XX/XXXX I had explained my situation however, my funds were not credited back to the account. Last year XXXX my debit card with TD was lost. I contacted them immediately once I discovered my card was lost. After receiving my new card I assumed all transactions on the old card would no longer be valid or no payments could be processed. Fast forward to XX/XX/XXXX XXXX XXXX had gone into the old / closed debit card and retrieved funds. Again, I immediately was in touch with TD to explain what happened and to please give me back my money. Later, in the month of XXXX my debit card was finally closed after reporting it 1 year later. I then reiterated once more I closed my debit card last year and this should not have been honored by my bank. Can you please help us figure out what happened and why I did not get my money back? Regards, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I purchased a treadmill from XXXX using their financing. By the time I received the payment instructions for the first payment, it was already late, but I sent it in. I tried to call and explain after they charged me a late fee, but customer service did not answer. It was COVID by this time. I kept, and continue to make, the monthly required amounts. But they keep racking up late fees on the late fees and I refuse to pay them because it was their fault. I have filed an online complaint with XXXX, but got no telephone call or response. TD Bank - their financial institutions they use for this apparently, calls and harasses me constantly. When I explain the problem, TD Bank say they can't do anything and puts me through to XXXX XXXX customer service. I waited 2 hours on hold and had to give up. I just tried again and it was a totally automated system with no operator to handle unique problems. This is completely ridiculous. I have an excellent credit score and always pay my bills. I have never filed a complaint with the CFPB before but feel this is the exact type of situation that needs to be addressed by the CFPB because I'm sure they just get other people to pay these fees and rack them up as additional, unearned compensation.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have tried to use my card several times in XXXX XXXX ny, while staying with my daughter during the pandembic, ilive in XXXX, each time I used the card I was turned downed. I called the bank they tried to help but did very little for me I called the # on the back of the card they weren't any better. often they refused to help me.the security dept refused to help me as well .I pay my bill on time I also pay more than required.i need helpthe security dept never ask me important questions, they just say they cant help me well then who can help me also the security dept gave me another # to call they toorefused to help me. this has been going on for well over 2 months.i don't have the dates because many times my daughter ended up using her card, i never wrote the datesthat iused the card down on paper. I was so upset that I just thought it was a minor mistake on my part, but thisproblem started after XX/XX/XXXX and no has helped me I feel like they think iam not the card holder please help iam so embarrassed in front of all my family
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A