Date Received: 2020-05-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had 5 accounts, one credit card, two checking accounts and two savings accounts closed on me by TD Bank without explanation. The account closure letter was dated XX/XX/2020. It is interesting to note that the letter from TD mentioned only one of my credit cards with them ( a " XXXX XXXX '' card ) completely, ignoring my other three personal accounts with TD. I called the phone number on the account closure letter ; it went straight to an answering machine. The message said to leave a phone number, which I did. A gentleman called me back and told me that they had the right to close my account and didn't owe me an explanation. I then pointed out to him that the closure letter itself said that if " any of the accounts referenced above are a credit card account, please note that the Federal Equal Credit Opportunity Act, you have a right to request, within 60 days of receipt of this letter, additional information about the reason for your account closure ''. He then told me I would have to send that request in writing. Within a day or so, I could no longer access or view my checking accounts, online. I went down to the branch in XXXX, NJ, where I normally do my banking and spoke to the manager, XXXX. He was most unhelpful and basically shrugged his shoulders and told me it was out of his hands and he could do nothing about it. I was puzzled as to why TD wanted to drop five accounts with close to XXXX XXXX dollars in assets. I then spent another hour or so in the bank getting checks made out to me for the balances in my accounts, so that I could take those monies and deposit the elsewhere in the day or two before the expected shutdowns in NJ, rather than wait for the money to arrive by mail in a week or two. I subsequently sent my letter to TD Bank on XX/XX/XXXX, requesting the reason ( s ) for the account closure. I never received anything back from TD, in writing. On XX/XX/XXXX, I received a phone message from a XXXX XXXX, who is a TD Branch Manager in XXXX ( the branch where I originally opened one savings and one checking account ). He left an email address to contact him back. i subsequently emailed him on XX/XX/XXXX, asking him to contact me. After several more emails, he finally called me on XX/XX/XXXX. During that phone conversation, he basically told me he had no idea why the account was closed but said " they probably did not like some of the transactions you made ''. He then ASKED ME if I knew of any reason that his bank would want to close my accounts. I told him that I did not. He then told me that it was strange, and he would look into it and get back to me. He never did. I also wish to point out that the initial account closure letter was dated XX/XX/2020 and stated, " We're closing your TD Bank account ( s ) on XX/XX/2020 ''. Thinking that it was safe to use my accounts till the XXXX, I made two credit card payments on my wife 's credit card bills. one was returned on XX/XX/XXXX and one was returned on XX/XX/XXXX. As a result of these returned payments, my wife 's credit score dropped 45 points, from XXXX to XXXX!
Company Response:
State: NJ
Zip: 07055
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX TD Auto Finance does not disclose the principal balance on my loan on the statement mailed to me nor on their website. To get the principal balance I must call them. I have never come across a lender that does not disclose the principal balance owed. I believe this is deceptive and must violate some consumer protection law. XXXX XXXX
Company Response:
State: IL
Zip: 60189
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
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: Per Previous Complaint # XXXX The ( XX/XX/XXXX ) TD Bank letter stated that they would credit my account within 3-5 Business Days. As of this date ( XX/XX/XXXX ), the two charges are still on my account and/or there was no credit issued. I searched the original charges and also reviewed all credits to my account in XXXX. I made a phone call Thursday ( XX/XX/XXXX ), left a polite detailed message, and have not received a return call. I understand the companys response to my complaint I understand what they were supposed to do ; however, they never followed through on their promise.
Company Response:
State: PA
Zip: 19468
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Summary : On XX/XX/2020 I closed a joint checking account due to divorce proceedings to mitigate the possibility of charges hitting the account. On XX/XX/XXXX a charge appears on the account which was closed and the account is apparently open again. I have attempted to address this with TD Bank via secure email, and the phone numbers published on a collection letter I received XX/XX/XXXX. No response from the secure email, and phone number does not lead to anyone that I can speak with about the issue. Details : 1 : XX/XX/2020 Closed Account ending in # XXXX at a TD Bank location The reason for closing was to end a joint account to protect me from possible charges from my soon-to-be wife I XXXX out the account 2 : XX/XX/2020 I was refunded an over payment of {$19.00} on the closed account. This was due to overpaying to XXXX out the account on closing. 3 : XX/XX/2020 the account appears open with a - {$140.00} charge on the closed account. 4 : XX/XX/2020 I send a secure email to TD as instructed through the mobile app to find out why this account is active with no response. 4 :XX/XX/2020 TD Charges me a {$15.00} maintenance fee for the closed account 5 : XX/XX/2020 I receive a collection letter from TD Bank for collecting {$140.00} I call the number provided in the letter, the individual tells me theres nothing they can do and the account appears open and there's no-one I can further speak to about this. I have no way of speaking to someone about the failure to close the account.
Company Response:
State: FL
Zip: 33432
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I viewed my XXXX credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning. I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account.. I have never lived at XXXX XXXX XXXX, XXXX, TN. I was living in XXXX, MN at this time.
Company Response:
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I already have a pending complaint with TD Auto Finance with them deducting a extra payment from my bank account. On XX/XX/XXXX a representative from TD bank called in regards to the previous complaint. He had told me to cancel my fraud claim with my bank which is XXXX XXXX XXXX. I explained TD bank can not refund my money it will take 30 days or even to mail a check will take 5 to 10 days I have other bills to pay and my bank can return my funds by today. At that point the representative told me because I chose to do this thru my bank my TD auto finance account will be charged a overdraft charge per my contract. I explained so TD bank took an extra payment from my bank account and because I want my money back TD bank is going to charge me a return check fee. The representative that called me was threatening in demeanor and I told him I will file another complaint this is wrong and customers should not have to suffer for their mistakes. I never been late on a payment and always paid ahead.
Company Response:
State: SC
Zip: 29640
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I paid off my balance of money owed of about {$77.00} in XXXX of XXXX and had not used the card since that date due to an Natural Emergency ( water damage to home ) that resulted in my becoming flooded everytime it rained and caused me to get into debt to get home repaired. This forced me to cut back on unnecessary expenses to pay off that debt, and I am at the present, at the half way point. Now I have shopped at Target but just used cash and not credit to temporarily offset a monthly billing. But my problem is, that today XX/XX/XXXX, I received an alert form the credit bureau that my account 's credit line was reduced 50 % so I then called up customer service for Target and inquired about the negative action that had been taken against me .They informed me that since the card was not used since XX/XX/XXXX, was the only reason for the negative action that they had taken against me, irregardless of my other emergency. I had no luck with trying to discuss the matter. This is not fair when I try so hard to be financially responsible and always pay my debts in a timely manner with no late payments or bankruptcies. If Target does not restore my original credit line, I will be negatively impacted by all three credit bureaus by decreasing my credit scores!
Company Response:
State: KS
Zip: 661XX
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I received a letter from the debt collector, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. The letter stated that they were attempting to collect a debt for TD Bank in the amount of {$4300.00}. To dispute this false charge and account, I filed a police report, listing TD Bank and the amount owed. I was contacted by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX by a representative urging me that I needed to pay the amount owed. After speaking with my credit monitoring service, I then requested an identity theft packet from XXXX. XXXX, & XXXX in regards to the falsely opened TD Bank account. On XX/XX/XXXX, I spoke to another representative from XXXX, XXXX, & XXXX and inquired about the identity theft packet because it had not yet been received. On XX/XX/XXXX, I received the identity theft packet with the following instructions : to include a police report and file an Affidavit of Fraud under the Federal Trade Commission. I mailed the identity theft packet with the appropriate documents to the address listed by XXXX, XXXX, & XXXX. On XX/XX/XXXX, I received a letter from XXXX, XXXX XXXX XXXX XXXX saying my claim has been deemed invalid. I then called XXXX, XXXX XXXX XXXX XXXX and questioned why it was deemed invalid, to which they refused to give any information. I then contacted TD Bank to find out information about the claim that had been deemed invalid, to which I have been given zero information and placed on long holds and transferred from department to department. I did not create the account for TD Bank and my goal is to get this fraudulent activity removed from my credit reports and get this fraudulent account fully closed.
Company Response:
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Nordstrom is reporting I have an account with them and I have never had an account with them. XXXX XXXX has an account on my credit and I have never had an account with them. XXXX XXXX has an account on my credit and I have never had an account with them.
Company Response:
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2020-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-12
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: I purchased two money orders in XXXX from TD Bank for rent.Landlord inform me after 7 month that they did not got the rent for XXXX, then I went to the Bank to investigate .we found that Both money orders were already paid to a person name : XXXX XXXX XXXX , who was not the original payee for the money orders. the payee was for XXXX XXXX XXXX XXXX. and they never received the money orders.Since then so many times I asked the Bank Associate about these, their answer is still investigation. Please help me out of this as soon as possible. Thanks.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A