Date Received: 2020-06-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I setup XXXX to move money around XX/XX/XXXX or XXXX and put through a transaction to my nephew, who uses the same bank I do. Instead of his receiving the money right away, as advertised, it took three days. I called TD Customer service and was told when first setting it up, that's their policy. Today, Thursday, XX/XX/XXXX, I went to send money to my daughter-in-law, and found out she will not get the funds until Tuesday, XX/XX/XXXX. Making the service useless to me, and also not as advertised. Now, a person at the branch told me that the first transaction to a new recipient takes 3 days. That's not as advertised. Not as promised. And makes no sense at all.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
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 XX/XX/2020 my purse was stolen from my car with all of my credit cards, debit cards, Florida Sate License, social security card. Fradulent charges were made on all of my cards.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XX/XX/XXXX I have contacted TD Auto Finance regarding extended hardship program due to Covid 19 and I was granted 2 months of extended payments for the month of XXXX andXX/XX/XXXX. On, XX/XX/2020 I've contacted TD Auto Finance spoken with an agent and explained that I am still experiencing hardship and I am requesting more time to make payments. The agent granted and approved 2 additional more months payment extension due to hardship for the months of XXXX and XXXX. I had specifically asked the representative was I approved and she replied " yes ''! Representative informed me the next payment will be due in XX/XX/XXXX. However, in the first week of XX/XX/XXXX I began to received phone calls from TD Auto Finance stating my payments are late and have been assessed late charges. After several attempts of calling TD Finance and spoken with an agents I was informed the agent that granted me the two additional extension for the month of XXXX and XXXX was done in an error. According to the agents, the company are only allowed to grant only 3 months extension in total. On XX/XX/2020 I have spoken with a supervisor ( XXXX ) at TD Auto Finance, she informed me that the company only grants 3 months for hardship and it was created in an error. Supervisor stated she was able to approved hardship extension for XXXX and XXXX payment must be paid.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Td credit card co. Reported false info. To the credit bureau. They said I missed two months of payment which. I havent. I was late. On payment. And the women I spoke to at td indicated this shouldnt of happened. My. Credit score dropped almost 200 point. Please rectify this. ASAP thank you Im trying to refinance my home and this is really hindering me
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I've been a TD customer for 14 years in XXXX and about 10 years in the XXXX. On XX/XX/XXXX I asked TD Bank to close both of my accounts and move all my XXXX money to my XXXX accounts. They said that for some reason they were unable to do this in one phone call, did a wire with one account ( I don't have the confirmation number ), and had some issues and charged me a number of fees unfairly ( details in previous CFPB complaint ). After a CFPB compliant on XX/XX/XXXX, they immediately phoned me, refunded the fees, said that they would close the accounts, and I thought that my accounts were closed and that the money had been sent to XXXX. I was given the wire confirmation number XXXX during a phone call with XXXX from their customer service team on XX/XX/XXXX. I thought we were now in the clear. However, in XXXX I got a notification from my XXXX account that I'd been charged a {$24.00} fee. It turned out that despite the wire confirmation from XX/XX/XXXX, my money had not actually been sent to my XXXX account and the account had not been closed. I contacted XXXX XXXX on TD 's customer service team on XX/XX/XXXX to inform him that I called the TD hotline and they said wait times were in excess of 20 minutes, and when I call the TD Cross-Border line and press 1 for english and then 3, it just rings a bunch of times and hangs up. I didn't get a further response, and again contacted TD in XXXX when I got yet another {$24.00} fee for low account balance. I finally took the 30 minutes needed to wait on hold for their customer service team, only to be informed that I could be refunded neither of the fees I'd been incorrectly charged since XX/XX/XXXX when I'd been told all my money had been given back to me. I decided to at least get my money out of there, so wired it to XXXX and asked them to close the account. Wire confirmation XXXX. After this call I emailed XXXX again ( I feel sorry for the guy but he's the only contact I have within TD, otherwise I have to wait for 30 minutes to even talk to someone ), and someone called me to tell me that I " could get one of the {$24.00} fees refunded, but to do that they'd have to refund me then I'd have to call back in, wait 30 minutes, and then have them wire the {$24.00} and close the account ''. I declined because I don't have 30 minutes to wait on the phone, to get half of the money that was taken from me, when I told them months ago to close my accounts and move my money out. This is absolutely crazy. I should just be able to phone TD, tell them I want to close an account, and have them do it immediately with no fees charged and without wasting hours of my time on this. The fact that they're doing this in the middle of an economic crisis and pandemic is even crazier.
Company Response:
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I am a customer of TDBank credit card and on XX/XX/XXXX or XXXX called them regarding the deferred Covid-19 payment option which was advertised on their website. I was found to qualify for the program and they allegedly informed me the next month I would not have to make any payments, only in the beginning week of XXXX which covered their 90day period. I was informed that on the day and month that I called, XXXX that I needed to pay whatever balance due on my account which I did. The issue is that the following month after I was allegedly enrolled in the deferred payment option, a balance due of XXXX dollars was shown in my online statement. I called them and they stated I do not need to pay it, and according to the TD representative at the time that it was probably a computer glitch as the amount should have been XXXX I actually paid that balance due of XXXX despite their assurance and my fear was that they could report me to the credit bureau if the payment didn't post. The next month was the same issue, and I called again to inquire about why do I have a payment due when they enrolled me in the deferred payment option and the TD representative reply was the same as the other one from a month prior which is to disregard and don't pay it. The following month which is this one, XXXX came and I saw another due date for XX/XX/XXXX for XXXX dollars and I called them concerned that I have been taken advantage of and told them what is going on, wasn't I enrolled in this program or not. Her reply which was on XX/XX/XXXX was that I now needed to pay the XX/XX/XXXX balance as the deferred payment option only covered until XXXX. I was irate and respectfully mentioned to her that it ends in XXXX not XXXX. The phone connection either on her end or mine was suddenly disconnected and I called again and this other TD Bank representative said no that the deferred payment option for me ends in XXXX. Not only this is confusing, either deliberately on their part but the issue at hand is that I ended up paying them for those 3 months and the balance on each month was always XXXX and despite their assurances there was no XXXX balance due but an amount which I had to pay or they could of reported me to s credit bureau. This deceptive advertising on their website to help those during this pandemic has made me question their tactics and what they have done is deceive those into paying them instead of having a supervisor or someone send an official letter stating this.
Company Response:
State: TX
Zip: 77033
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: [ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , MN XXXX ] Dear Federal Trade Commission , I am writing to dispute the following information that appears on my XXXX XXXX consumer report : Dispute 1 [ The following examples are meant to be helpful, include all disputes that apply to XXXX XXXX ] Account Number or other information to identify account : RTN/ACCT # XXXX ; RTN/ACCT # XXXX ; RTN/ACCT # XXXX. Source of dispute information : TD Bank ; XXXX XXXX XXXX, XXXX, XXXX XXXX. Type of disputed information : Credit Report, XXXX Report. Dates associated with item being disputed : [ Insert the date that appears on your report. This helps ensure that the correct account is identified by the company and to identify which aspects of the report are being disputed. You can still file a dispute if you do not have this date. ] Explanation of item being disputed : Please investigate each individually. o My report includes accounts with a reported name that is different than my legal name. o The accounts I had with TD Bank were closed in XXXX. These accounts are out of the statute of limitations. o The report falsely states Account Abuse as a tactic to target minorities. This was done in retaliation for me filing complaints against the racist call center worker. o I do not recognize the accounts in question. The accounts I had with TD Bank were closed in XXXX. When I closed them there was no balance and I closed them because a woman in the Texas call center called me Boy. She would not escalate my discrimination complaint. I contacted the corporate office line. A woman who claimed to be a manager denied the call was recorded so I played the recording I had. She Hung up and asked to call me back. She called back and told me the issue would be resolved. The accounts were settled. o The report shows I owed money to the company that I have already repaid. I wrote an email to the corporate office about my experience with the Texas call center. They confirmed the account were closed with no balance. Now they have three accounts under a similar name. conveniently the dates corresponded with dates that I made complaints about the racist call center worker. I believe her name was XXXX. o The status of my account is not correct. The report shows that I three account with balances that were closed on different dates. This is false ; the account was closed on different days. o I am the victim of identity theft and I do not recognize one or more of the accounts on my report. In my investigation I found out that a woman I dated was using the cards. I called to have the cards cancelled. They did not take the claim seriously because she was a white police officer. o Last and certainly not least : I was not allowed to open an account with the Banker. She did not want to assist me because I was XXXX. She told me she had never dealt with a XXXX man before and refused to assist me. The branch manager had to open to account because the bank was crying due to the branch manager telling her Helping XXXX and other customers is your job. I filed a complaint which was never followed up by any member of TD Bank because they send it to the branch manager. The woman was never fired. Thank you for your assistance.
Company Response:
State: MN
Zip: 56301
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Received a letter from TD Bank , N.A . managing my XXXX XXXX account about the privacy policy. I wanted to restrict information which bank shares about me, called provided number ( XXXX ) - nobody picks up without providing an option for a call back number or information about wait time. Called a general number for TD Bank ( XXXX ), left a call back number nobody called back. TD Bank NA does not give me an opportunity to restrict my information sharing.
Company Response:
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an Auto Loan with TD Bank I have tried for months to access auto payment via the website and it never worked, so I would have to call each month after attempting to pay on line and set up auto draft to make my payment. They would give multiple amounts even though it was a fixed payment, and I would pay and repeat again the next month .. I would over pay and it would confuse them even more.. I would call every month and repeat the same process .. in XX/XX/2019 I received a credit alert that my payment with TD Bank was late in XX/XX/2019 I immediately called and said this can not be as I go through a hassle every month. They said they see all their system notes but they are automated and it is what it is .. This is poor customer approach as all payments have been made and their site is not operating correctly. I am very disappointed with them and would not recommend or use because of this inaccuracy of their part XXXX each person is so difficult to talk to and never assists correctly and delivers wrong information.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: my account was restricted I'm the payee of my brother he stays in my house he has XXXX XXXX i dont trust adding him to my account so i managed his funds from work td bank restricted my account because i wouldn't add him as a authorized user I would never take from him but he uses XXXX I dont trust him to have access to my account and I'm XXXX covid-19 has me scared to go anywhere I'm very old
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A