Date Received: 2020-05-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Attempted to open checking account with TD Bank on XX/XX/20. On XX/XX/20 I was told that they could not verify my identity, and that they were closing my account. I requested my {$25.00} opening deposit be returned to my XXXX checking account. On XX/XX/20 I received a statement from TD showing that they are charging me a XXXX XXXX monthly maintenance fee for the account that they said was closed in XXXX. I tried to contact TD about this without success.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Since the month of XXXX due to the COVID-19 Pandemic my paycheck has been delayed since then we are trying to be responsables by using our little savings and cover our minimum payments. On the month of XXXX sinces our checks were delayed we couldnt make the payment on time now we are trying to cover that payment and bring the account on good standing and we cant. Today XX/XX/2020 @ XXXX XXXX we spoke with agent id XXXX and asked her if she can help us by removing the 2 late fees for the month of XXXX and XXXX ( Pandemic Time ) and she said no. I dont agree with this behaivor becuase the arenot helping us during this time i am not refusing to make the payment I WANT TO MAKE THE PAYMENT all I am asking is for : THE DERROGATOR REMARKS ON MY CREDIT REPORT TO BE REMOVED and THE REVERSE OF THE TWO LATE PAYMENTS FEE. I will really appreciate your help and understanding my credit score and payment history is excelent becasue I consider myself a Responsable person. Thank you in advance for your Help
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: TD Bank issue a credit for my XXXX account a couple of years ago when I bought a XXXX XXXX phone. I finished paying the loan on the phone and after 3 month I decided to cancel the premium insurance since I own the phone., At the time I closed the account on XX/XX/XXXX and paid full balance on the account, and I was told the account was closed. A just got a letter dated XX/XX/XXXX, telling me my account has been closed, but I I owed them {$12.00} for Premium insurance for XXXX. I called the bank again and asked, Why do I owed them money since I closed the account, they said that as longer XXXX doesn't closed the premium insurance, I have to pay the bank for it. I don't understand. Are they a credit card company or a XXXX company. I have called XXXX a second time to closed the account. this time I got a ticket number XXXX but if they keep billing the bank TD bank, how do you close the account with the bank. It seems to me that they are doing this purposely. Please help. Thank you
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone stole my identity and used my debit card number to make purchases over a three year period through two banks. My current bank XXXX XXXX and past bank TD bank. I ended up with an unusual number of overdrafts at TD bank and had to change my debit card three times. I explained to them that someone was using my debit card but they could somehow always say my account was correct. I changed to XXXX XXXX whete I recently discovered that money was being transferred from my account into XXXX XXXX. The only reason I caugjt it was because it was over XXXX .
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2020-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 3 credit inquires that I never authorized or applied for. 1. XXXX. I never applied to this company and never requested a credit from them. ( tried to have XXXX delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX XXXX XXXX.I authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have XXXX delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. Nordstrom TD Bank. I never authorized this inquiry.
Company Response:
State: MI
Zip: 48103
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2020, TD Bank blocked my online access. The security procedures of the bank malfunctioned. The only possible avenue to resolve this was over the telephone - not email, chat or some other method. I spent over 5 hours waiting on the telephone for someone to answer. I requested that my account access be restored and a method be implemented to resolve this in the future. The TD employee terminated the call without warning. At the moment, solely due to TD 's negligence and malfeasance, I can not access my money. All of their branches are closed.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I called TD Bank to stop a payment being sent to XXXX XXXX XXXX because I had already paid XXXX through their Web service. I waited 30 minutes to talk to a customer service representative and then another 30 minutes to speak to the Bill Pay service customer service representative. The representative proceeded to tell me there would be a fee to stop the payment, despite the fact that I have a Beyond Checking account with specifies the fee is waived for stopping Bill Pay payments for this type of account. The representative told me I needed to maintain a daily balance or have a certain amount of money across accounts, despite the fact that I receive more than 5,000 dollars in deposits per month every month, and this fact is irrelevant as the type of account I have ( Beyond Checking ) waives stop payment fees regardless of these factors. It is egregious for TD Bank to state that I need to pay a fee for a service that the bank states is free. The customer service representative then stated she needed to speak to her manager and hung up the phone on me, after I had waited for a total of an hour to speak to someone regarding this matter.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I received a letter dated XX/XX/2020 in regards to my account being overdrawn, and they are charging me a {$30.00} fee. I had been calling non-stop, almost everyday since the date above, waiting for costumer service to answer my call, and no one is available. I have pictures or the long wait times i had been experiencing to fix this problem and no one there to help, even though they calim that my wait time will be 20 or more min in either language, English or XXXX. Due to COVID-19 i am unable to leave my home to see if i can get in person assistance. I find it ridiculous and unprofessional of this bank to have such a horrible costumer service. I had called several numbers, and they all lead to the same automatic system, which tells me, im calling the same place. I feel like there is no way out. I go online, and i dont have a account with them anymore, yet, they are threatening me to send me to collections for {$30.00} and damage my credit, again for {$30.00}. This is beyond wrong. This could had easily been fixed or disputed if someone was available. Is sad, that this is my second complaint via CFPD to resolve my issues with this bank. Last time i made a complaint here, they called me right away, because they get scare. Is sad that they use the COVID-19 situation as there way to clean their horrible costumer service neglect.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/2020 I received a refund of {$46.00} from XXXX. I called TD Bank to see if the refund was applied. They reviewed my claim for a credit and XX/XX/2020 they reversed the merchants decision. I called the company as late as XX/XX/2020 and they told me they refunded my money. Meanwhile I get my mini-statements from TD Bank and they show the {$46.00} on 4 statements as 2 debits and 2 credits. i keep a " log '' of all my transactions and I am still short {$180.00}. I can't walk a mile to the nearest bank so I keep calling and wait upwards of 30 minutes on the phone ; still can't get through. I told the Federal Trade Commission every month for 2 months and they gave me your number and website.
Company Response:
State: NY
Zip: 10026
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I initially contacted Target XX/XX/XXXX through the secure messaging system to request a covid-19 hardship assistance and was told to call their 800 number for this service. I called and was advised it was completed, and my account would be updated to reflect a monthly payment due to {$0.00}. When I tried to use my card a couple of weeks later I discovered that apparently did NOT happen, and I was reflecting a past due balance on my account which suspended the ability to use the available credit. I contacted Target on XX/XX/XXXX to see what was happening and was advised by a supervisor that the initial representative I spoke to in XXXX did not enter information correctly, so the update did not get processed correctly. She advised everything had then been corrected, and my account should reflect the changes in 2 business days. After a week of waiting a week, I reached out again on XX/XX/XXXX via secure message to inquire about the status of the correction and was told again to call the 800 number on XX/XX/XXXX for details, which I immediately did. The representative I spoke to on XX/XX/XXXX said the representatives I spoke to on XX/XX/XXXX had only requested my late fee be waived but still did not properly make the corrections for my covid-19 hardship so my payment would be updated to {$0.00} due for both XXXX and now for the upcoming XXXX payment and remove the past due hold on my account so I can use the available credit. Again, I was told it would take about 2 business days to process. It is now XX/XX/XXXX, and my account is STILL showing a past due balance and suspended from being able to use available credit. I am SERIOUSLY concerned a negative mark is going to be reported to my credit report and affect my credit score negatively due to Target 's incompetence to complete this request that EVERY other credit agency handles in a matter of 24 hrs. I am TRYING to be responsible with my credit and creditors during this stressful time, and Target is putting my credit at risk with this issue.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A