Date Received: 2020-06-27
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: So I have a TD Cash credit card that I have been using for 3 years. On XX/XX/XXXX, my wallet was stolen in XXXX and the suspect bought approximately {$200.00} of goods from the local XXXX with two separate purchases. I immediately filed my card lost/stolen and called to dispute the fraud transactions. This was on XX/XX/XXXX that I filed that, but the person helping me only claimed 1 of the 2 XXXX transactions as fraud, so the investigation team declined the claim. I learned this on XX/XX/XXXX and immediately called back the same day to correctly file both XXXX charges as fraud, the customer service worker said they took care of it. In the following week, I never saw a temporary credit, which usually happens in the following few days. I called back on XX/XX/XXXX to check the status and the new customer service worker said that nothing was filed, and we had to start from scratch again, which we did. She made it clear that it could take a month or longer for the investigation to be completed, so I have been patient. As of now, XX/XX/XXXX, I still see a remaining balance on my credit card app and am receiving emails to pay the fraudulent balance ( I paid off all other purchases made before closing the card on XX/XX/XXXX ). I filed a police report, followed all the correct steps, and have not run into any of these problems with the two other credit card companies ( XXXX, XXXX ).
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2020-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a bill from TD bank for a late payment on a cell phone that was paid off a few months ago. My bill is of XX/XX/2020 XX/XX/2020. I'm not sure of the date but I called and paid in full a few months ago and now I'm getting charges with balances and late fees for a debt that was paid in full. I have tried to call TD bank at XXXX XXXX XXXX XXXX And I have waited on hold for over an hour with absolutely no response from TD. I have called on multiple occasion 's to try to resolve the matter and ice continued to be placed on hold. In order not to get charged and take a hit on my credit I paid their fees in closed my account. I am now worried that the next billing cycle I will get more charges on my account when I have paid my account in full on to occasion 's.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I attempted to use XXXX through my bank and it advised me my account was to restricted and to call. After calling the agent was able to give me very generic information regarding the reason for the restriction, and advised me to go to a branch for more information. But due to Covid19 all branches in my area only has drive thru access. I was never notified of this said restriction and don't know what caused it, I would like a clear answer as to why my account has this restriction on it.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Hi my name is XXXX XXXX, i buy a car on XX/XX/2019 my car cost was XXXX XXXX, my monthly payments to TD bank auto finance is XXXX, about XXXX XXXX at XXXX XXXX i loss my car, a lot off people loss their cars there i have video and picture about that, the insurance company ( XXXX ) say my car in 2 year are depreciated to XXXX, but the pay off is XXXX, The bank say it my responsibility pay my debit or difference like XXXX thas not correct, The insurance company wants clean her own hands and send me a XXXX dollar, they send my a document where they tell me i will receive a check and it my responsibility convey with the bank the difference, what is a mean, i think thats is unfair, pay for something i loss, was not my fault.
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD bank has harassed and discriminated against me as as a mortgagee. I have {$170000.00} 30 year 5.125 mortgage loan with TD Bank. The loan amount was $ XXXX/mo. The mortgage balance as of XX/XX/XXXX is {$150000.00}. On XX/XX/XXXX TD Bank cancelled the escrow account. The escrow account balance was overpaid in the amount of {$550.00} by the mortgagee as of XX/XX/XXXX and is still overpaid by {$550.00}. All Real estate taxes and Home owners insurance have been paid in full by mortgagee XXXX XXXX since XX/XX/XXXX. Each month the mortgagee paid the mortgage timely and correctly. The mortgage amount is XXXX/mo. The {$1000.00} has been paid and received by TD Bank. {$51000.00} has been paid to TD Bank since XX/XX/XXXX. TD Bank list the escrow account currently as overpaid by {$550.00}. ( document Attached ) TD Bank incorrectly made the escrow overpayment by the mortgagee an amount owed. TD bank wrongfully list the monthly mortgage amount as {$1100.00}. Mr. XXXX has obtained a letter from TD Bank listing the overpayment by Mr. XXXX of {$550.00} ( document attached ). All payments have been listed as late due to the error by TD Bank! XXXX XXXX TD banks attorney, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX all have been contacted and written concerning this matter ( TD Banks Officer 's and staff ). The same information and more have been provided. TD Bank list a past due amount of {$53000.00} as of XX/XX/XXXX. Late fee of {$54.00} X 44= XXXX. XXXX XXXX has filed two complaints with the credit agencies. TD bank changed the amount from {$1100.00} reported to the agencies to {$1000.00} for some months but did not correct the entire situation. TD bank started with the incorrect amount of {$2100.00} on the credit report for XX/XX/XXXX. Did not list any amounts received! Then TD Bank applied a default amount with the credit agencies in an attempt to get back to the same number they started with. TD bank has discriminated against me. The escrow account was eliminated and was overpaid at the date of the termination. TD bank owes me {$550.00} for the overpayment of the escrow account. TD Bank has charged unwarranted late fees and other fees. No mortgage payments were late and or missed.
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I did a closing with TD Bank for a mortgage refinance on XX/XX/2020. They sent someone representing a company called XXXX XXXX XXXX to handle the closing and getting the documents signed. This person told me they would email me copies and that the closing would be finalized on XX/XX/2020 once they sent the documents over to TD Bank. I told him to ensure that the copies were sent to me via a secure medium, not email. Today, XX/XX/2020, they sent me an email with the documents I had signed as an attachment to the email which is not secure. It included my social security number, checking account number, all my financial information, credit information, address, basically all of my private sensitive data/information. I complained to both companies about this, and the title company replied saying that email is totally secure ( emails attached to this complaint ), and TD Bank never even bothered to reply or call me.
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I had fraud on my target XXXX card in XX/XX/XXXX after the issue of the fraud got fix than I notice theres huge changes on my account from not owing got to {$700.00} dollars and I made some purchases and made payment on XXXX and XX/XX/XXXX than in XXXX still calling to understand what is the sloppiness in my account as it didnt make no sense and why all my purchases for {$400.00} in XX/XX/XXXX that I purchased and returned by the store manager for XXXX one item was kept it went back as purchase and on that day XXXX XX/XX/XXXX I paid for the same items XXXX. XXXX which it was returned on XX/XX/XXXX and some random XXXX keep coming up on my statement several times as I was confused whats going did my best to get anyone to get help but nothing but run around silence, than in XXXX I got XXXX XXXX I called twice 2 different employees of target told me not to pay as my account under investigation as result I did make payment because I was told so first the account its not understandable waiting to get help on top of it in XXXX I realized target reporting me as missing payment how do I understand that called made payment of XXXX XX/XX/XXXX than than I made payment of XXXX per XXXX another target employee so I paid because I wasnt going anywhere today I want to get mortgage loan sure enough target reporting me on XXXX XX/XX/XXXX again as missing payment and I called to see whats the problem again XXXX supervisor told me she not going throu long as conversation you are XXXX we not going to help you how is it my fault when I tried and paid something that I didnt feel its right and I didnt made decisions just not paying my bill with continued calls from XXXX to XXXX if XXXX seriously is that how target going to treat me after I been loyal customer never been late since XXXX all of the sudden Im late while Im trying to get help if Im in default I pay but to report me just because you refused to help me and giving me wrong information by target employees, Im still trying to understand my bill as how do I owe target such big bill and making me pay for something that was retuned, since I knew Im going to buy house I made sure I always pay my bills on time never be late sure enough my dream shattered due to big corporate selfishness and liar cheat and fraud target. Hopefully whom ever read this please help me as I never intent not to pay my bill specially in this pandemic why would you say Im XXXX without getting help. Moreover, I made two payments in XXXX XXXX XXXX and {$50.00} dollars on I believe XXXX XXXX but very very conveniently my XXXX dollar payment its missing as I paid cash in XXXX for both payments and so in XXXX or XXXX very very convenient. Greatly appreciate your prompt attention to this matter why target keep reporting me as 30days late. Thank you. XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: To Whom it May Concern, On XX/XX/2020 my TD Bank checking account was comprised and there were combined fraudulent purchases in the amount of {$260.00}. In addition, these fraudulent charges caused my account to be charged 3 overdraft fees in the combined amount of {$100.00}. Upon realizing the charges and penalties on XX/XX/2020, I immediately contacted TD Bank for assistance ( all charges were still pending ). Customer Service insisted I couldn't take any action until the charges were fully processed. Therefore, I had to wait until XX/XX/2020 and XX/XX/2020 to summit formal claims. TD Bank did an " investigation '' and concluded only 2 of the 3 charges were fraud and only reimbursed me {$100.00} for 2 false purchases and {$35.00} for 1 overdraft fee. This conclusion is nonsensical because all of the charges took place at the same time so to conclude that only part of it is fraud doesn't hold up to critical thinking. After multiple phone calls and holding for a combined wait-time of over an hour their customer service has informed me there is nothing more they can do aside from reopen the dispute. I reopened the dispute on XX/XX/2020 and did not hear a single thing so reopened it again on XX/XX/2020. I'm hoping someone can help correct this situation so future customers are not robbed by TD Bank. I am still due {$160.00} from a fraudulent purchase and {$70.00} from two overdraft fees. There is a global pandemic and financial crisis occurring due to COVID 19 and I am struggling to get by. This bank, which charges me a monthly maintenance fee, was not able to provide sufficient help when my account was compromised during this trying time. This is how TD Bank treats a customer of 10 years that was hacked during economically challenging times.
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX XXXX, XXXX contacted XXXX XXXX and proceeded to ask him if he knew XXXX XXXX. The guy stated that she had a credit card with Target that she owed {$810.00} on and that the debt had been sent to collections. I do not know how they got XXXX XXXX XXXX name nor his phone number and they should NOT have shared personal debt information with a third party. This is a violation of FDCPA, data protection and my privacy.
Company Response:
State: KY
Zip: 42303
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On multiple occasions, Nordstrom ( TD Bank NA ) only notifies me of a missed payment on the next month 's billing statement. Most recently, for the XX/XX/XXXX payment due date, Nordstrom emailed an electronic billing statement prior to the due date in lieu of a paper billing statement ( per my opt-in/request ) ; however, as the due date approached there were no reminder notifications nor any indication that I had missed the payment date until I received the XXXX billing statement on XX/XX/23. Furthermore, I was advised by the customer service rep on XX/XX/23 that because I have opted-in to receive electronic billing statements, it was not possible to set up alerts on my account. This practice of not informing customers of an approaching due date, or of a recently missed payment seems unfair and deceptive as it is a way for the institution to collect late fees customers. This practice is also not consistent with similar accounts that I have with other card issuers/financial institutions where I received multiple alerts, reminders, etc. to aid in effectively managing the account. This practice causes material harm to me as a customer in the form of late fees ( {$37.00} ) at a time when my household income as already been significantly reduced by COVID-19, as well as harm in the form of negative consumer reporting.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A