Date Received: 2023-09-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD RETAIL CARD SERVICES XXXXXX/XX/2023 I was shock to see this inquiries on my credit report I never gave anyone permisson to use my credit please remove this of my credit report
Company Response:
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened a dispute on XX/XX/2023 under the claim number XXXX. The bank NEVER requested more information about the case and the case was closed and denied. I was waiting the letter requesting more information about the case but that never happened. I have the invoice/receipt showing that the merchandize must be sent to my address on or before XX/XX/XXXX. That support my case and prove that merchant didnt sent the purchase. I called today XX/XX/XXXX to customer service to reopen the case but they refused to help me, saying that my phone number is not elegible to receive verification codes. I received but they couldnt use it forcing me to go to the branch, something is IMPOSSIBLE because im not XXXX XXXX, Im not in the XXXX. I jus travel very often there, also doesnt make sense because I could open the claim by phone. and having many other options to very me, like my pin number, personal information or account information.
Company Response:
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to convey my ongoing concern regarding an erroneous late payment entry on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. Specifically, I am addressing an alleged late payment that has been reported by TD BANK NA under account # XXXX. I want to stress that this late payment entry is inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to TD BANK NA. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entry continues to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove this inaccurate late payment entry from my credit report. Please ensure that this account is corrected.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a self employed worker that does a variety of things like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So I get paid in different ways. Some by checks and others by cash or XXXX XXXX On XX/XX/23 I received 4 XXXX deposit slips for {$500.00} each from a man that I did XXXX XXXX XXXX for. My bank contacted me about ten days later saying they were fraudulent and said I could no longer bank with them anymore that my account would be closed. But before this information was told to me, I had submitted another actual check to deposit to my account on XX/XX/23 for {$2200.00} from a man I did part time work for at his XXXX. This check was finally cleared but my bank account is frozen. So I called the customer support line for TD BANK and they said my account balance is {$2100.00} and that I would need to come in person to be able to withdraw my funds since my card is locked and account locked. So I went in person yesterday on XX/XX/23 to TD BANK and informed the clerk that i wanted to withdraw the entire amount of {$2100.00} that is currently in my checking account and then close my account. They told me they could not give me my money nor unlock my account. They said they would have to email a specialist to unfreeze my account before being able to give me my money. So they emailed and called me saying that I needed to provide a phone number for where the check was from. I said I did not have the man 's number anymore I do random XXXX jobs I don't keep track of everyone 's info after they already paid me. The check was already reviewed and approved so I don't understand why they need to REVERIFY it a second time! Especially since my money has been sitting in my account for a month now. They already took money from that second check to pay the XXXX deposit return fees for {$15.00} for four separate fees. And charged {$35.00} for an overdraft fee on XX/XX/23 and XX/XX/23. I just want to withdraw my hard earned money and close the account because this is the worst bank I have ever had and ever had to deal with. They are treating me like I'm a liar and a criminal because the XXXX deposits were deemed fraudulent but I did not know that I did not make them I received them from a man I did house cleaning work for but I'm the one being punished and looked at wrong for it. It's already embarrassing enough. But I have never deposited a fraudulent check in my life so I don't know why the bank is treating me like this and saying I can't bank with them anymore and anything after that fraud is being questioned and I'm the one taking a loss from that {$2000.00} i should've been paid and now this second check I earned from someone else that was investigated and approved and made available in my balance is being refused to be given to me after sitting in my account for a month. I just want my hard earned money withdrawn and account closed. It is unfair that I am being treated like this and investigating everything I do because of one time someone giving me fraudulent XXXX slips. This check is from a complete different person. And they have already reviewed and approved the check so why do they need to re verify the check before unlocking my account to give me my hard earned money? I do work for many different people and once I am paid, I don't keep their contact information anymore. So I have no way to get the man 's contact info to give the bank. If it was already approved in the first place why would they need to relook into it?! This is irritating I have bills to pay I work hard for the money I earn and now I can't even get access to my money that has been approved already and has been just sitting in my account for a month. If it was fraudulent the man would have contacted TD bank about it seeing as the money was deposited successfully so I don't see why I can't get access to it? I just want my money out and to close the account and be done with TD BANK because this is the most ridiculous and unfair treatment I have ever received from any bank ever. I've never deposited anything fraudulent in my life until that man who gave me the fake.moneygram slips. I should not be treated as a criminal for someone else 's mistake.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A couple months ago my partner and I received alerts that our information ( DOB, SSN ) was exposed on the dark web through due to a data breach involving my partner 's Washington, D.C.-based health insurance plan. In XX/XX/2023, I discovered alerts on my credit report about two hard inquiries and a new account ( TD Bank/XXXX ) that I did not open. I immediately attempted to call TD Bank to tell them that the account opened in my name associated with an XXXX, Indiana, address is fraudulent. I have never lived in XXXX, Indiana. I wanted to know how I could immediately close this account. I also wanted the hard inquiries removed from my credit report. Simultaneously, I froze my credit report and reported the fraudulent activity with XXXX and XXXX. The first person I spoke with at TD bank on XX/XX/2023, told me that they were freezing the account under my name and would be sending me an affidavit to fill out. I never received the affidavit. In the meantime, XXXX and XXXX said they had completed their investigations and concluded, from information provided by TD bank, that the new account under my name was not fraudulent. My credit report still lists the TD BankXXXX account as open and lists two hard inquiries. I contacted TD bank again on XX/XX/2023. I repeated that I did not open the account and wanted it closed. Once again all they told me is that they would be sending me an affidavit and that the account was frozen. On XX/XX/2023, TD bank sent me a letter informing me : " This letter is in response to your claim of fraud on the above account. Based on the information you provided and a review of our records, we have insufficient evidence to substantiate your claim. Your claim has been denied for the following reason ( s ) : Merchant provided signed sales receipt and/or delivery confirmation, copies enclosed for your records. '' Enclosed with this letter was a merchant sales ticket for a refrigerator for over {$5000.00} paid for with an XXXX card, using my name and an address in XXXX, Indiana. It has no signature. There is also a phone number associated with the XXXX address that is not mine. The only thing that connects me to this sales ticket is my name. TD Bank has not sufficiently addressed my claim of fraud. I did not open an account with TD Bank or XXXX ; I had never heard of them before this. I have never lived anywhere near XXXX. They allowed someone to use my information to open up an account and now are refusing to investigate or address my concerns of fraud. It is distressing enough that I am the victim of identity theft. That a company would be so indifferent to a claim of fraud is unconscionable. I do not know how to close this account in my name or ensure that the person ( s ) who opened this account can not continue to access it. I also have received no information about what will happen when this {$5000.00} bill is not paid. Until I received the XX/XX/XXXX letter from TD Bank, I did not know that anything was purchased with the card or with a bank account. I don't even know if this account is associated with a debit card/bank account or a credit card because I did not open the account and TD Bank will not provide any information. I would appreciate an investigation into TD Bank 's fraud department and a resolution to my case. Thank you very much.
Company Response:
State: AZ
Zip: 85716
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was contacted by a collections agent in XXXX XXXX regarding a late payment to TD Bank, NA, for a XXXX XXXX account. When setting up the account, I elected the autopay feature, which effectively paid my balance monthly. I stated this to the agent, and she confirmed that I was enrolled in autopay. However, she then told me that when the phone is paid off and the account reaches a XXXX balance, the autopay feature stops. This was never communicated to me prior to enrolling in autopay. Although there was a XXXX balance at that time due to the phone being paid off, the insurance for the phone was still being billed to that account. I assumed the account was being paid off because I had previously been enrolled in autopay. TD Bank, NA, then assessed late fees and negative reports to the credit bureaus. The " late '' payment ended up significantly adversely affecting my credit score and history, although I have never had any adverse actions in the past. I was instructed to fill out a XXXX XXXX Credit Report Dispute Form and wait to hear back from their institution.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a personal checking account with a small overdraft protection credit line with TD Bank. I've had this account for close to 30 years. It was set up to autopay every month on time and has never been a problem until recently. I recently learned that TD Bank had erroneously reported to the credit bureaus that there was a late payment in XX/XX/ that was more than 30 days late. First, that shouldn't be possible since it autopays each month. Second, that is absolutely false, because I checked the account statement and confirmed that the account WAS, in fact paid every month on time. During, before, and after the time in question, the following payments were made on time and in amounts equal to or exceeding the minimum payment due : {$36.00} on XX/XX/ ; {$35.00} on XX/XX/ ; {$34.00} on XX/XX/ ; {$950.00} on XX/XX/ ( to pay the total balance in full ). Clearly, there was some error on TD Bank 's end. Again, the account was set to automatically make the minimum payment on time, and that had not previously been a problem. Moreover, TD 's own records and statements show that the account actually WAS paid on time, so their reports to the credit bureaus were wrong. Please see the attached activity report of my TD Bank account that shows monthly payments have been consistently made and none were missed. This has caused me financial hardship. TD Bank should make sure that ALL of my credit reports are repaired and that the account is reported as current, good standing, and paid in time with all bureaus ( XXXX, XXXX, XXXX, etc. ). TD Bank should make sure that the account does not have any late payment or other potentially negative information. TD Bank should also credit all fees, late charges, interest, transfer charges, etc. and provide me with some sort of compensation for my wasted time and for recent credit applications being rejected ( their error caused my credit score to drop from over XXXX to XXXX ). I had applied for a credit line increase and a refinance, which were rejected.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am writing to submit a formal complaint against XXXX TD Financial Services, referred to as " XXXX XXXX '' hereafter, regarding a series of deeply concerning incidents I have encountered in connection with their financing services. These incidents appear to involve unfair, deceptive, or predatory practices that have resulted in considerable hardship and financial stress. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) conduct a comprehensive investigation into these matters. On XX/XX/2023, I engaged with XXXX XXXX to finance a pair of monitors. To my surprise and dismay, a user account was established in my name without my knowledge or consent. This initial predicament necessitated my contacting customer service to gain access to the account and fulfill the requisite payments. Following this, a customer service representative from XXXX XXXX guided me through the setup of automatic bill payments. During this process, I meticulously copied and pasted my banking information directly from my financial institution 's portal to ensure its accuracy. The representative supervised and confirmed the successful configuration of automatic payments, instilling in me a sense of confidence and security. The representative also verified a successful payment posted. However, approximately two months later, I began receiving notifications from XXXX XXXX alleging that I had not made any payments and had incurred late fees. These claims left me bewildered, prompting me to once again reach out to customer service for an investigation. To my astonishment, I was informed that my banking information had been inaccurately recorded on my account. It is crucial to emphasize that my provided banking information was copied diligently from the source and validated by a company representative. This misreporting led to missed payments and unjust late fees. In response, I diligently corrected the erroneously recorded banking information with the assistance of a customer service representative. I ensured that all outstanding payments were brought up to date and that the imposed late fee was removed from my account. Regrettably, the same issue recurred approximately two months later. To my dismay, I discovered that my automatic payment setup had been inexplicably XXXX. Despite meticulously adhering to all prescribed procedures for timely payments, XXXX XXXX again charged me late fees without prior notice or adequate explanation. Subsequent conversations with XXXX XXXX 's customer service representatives revealed an unwillingness to acknowledge fault or address the situation adequately. Instead, they attributed non-payments and late fees to me, despite documented evidence of my diligent compliance with the company 's prescribed procedures for timely payments. I have formally requested the removal of these late fees, an adjustment of my due date to the middle of the month, and re-enrollment in the auto-pay program. Regrettably, all of these requests were summarily denied. Based on the described experiences, it appears that XXXX TD Financial Services may be engaged in deceptive practices, including but not limited to : 1. Creating accounts without explicit consent. 2. Unauthorized modification of accurately provided banking information. 3. Disabling auto-payment arrangements without notification. 4. Refusing to reinstate auto-payment processes despite consumer compliance. 5. Setting a payment due date for the 3rd of the month with no option to update. These actions seem to create a system that encourages missed and late payments, resulting in predatory financial consequences for consumers. I believe such practices are in violation of established consumer protection laws and warrant a thorough investigation by the Consumer Financial Protection Bureau. I highly doubt I am the only person experiencing this predatory pattern to squeeze late fees out of consumers. I respectfully request that the CFPB investigate these allegations against XXXX XXXX XXXX XXXX and take appropriate action to rectify the injustices I have experienced. Your intervention is essential in safeguarding consumers ' rights and preventing future harm. Thank you for your attention to this matter. I can provide any and all documentation necessary to support my claims.
Company Response:
State: MA
Zip: 01104
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: TD Bank advertised a 0 % balance transfer promotion which they did not honor. After opening a complaint to the CFPB ( XXXX ), they promised to honor the promotion and refund the interest charged in the next billing cycle, which, 3 months later they have not. I called them and the associate I spoke to was rude and helpless. This is terrible customer service. Furthermore, out of desperation ( customer service initially refused to do anything ), I went ahead and repaid one of the balance transfers for {$1500.00} on XX/XX/XXXX therefore I would like the {$45.00} balance transfer fee charged on XX/XX/XXXX for this promotion refunded as well.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A