Date Received: 2020-04-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a business account on XX/XX/2020, I did this because I had a personal account with them. I made a total of 9 deposits the same day, 1 ) {$100.00} cash, 2 ) 8 checks totaling approx {$850000.00}. I sent online banking with no problems, XXXX at the XXXX XXXX XXXX in XXXX, FL called me Monday and stated they need a few more documents. Tuesday XX/XX/2020, I went to the Branch to give XXXX the requested documents. On Wednesday XX/XX/2020 I was unable to log into my online account. I Called and spoke to XXXX, she stated the bank decided to terminate the banking relationship on my personal and business account. I asked why and got an " I don't know ''. I asked about the 9 deposits and when I can come in and get a bank check. She stated she would call me. Well I waited a couple of days, then decided to drive there and speak to her. She stated that the bank sent the checks back to the maker. I was dumbfounded!!! WHY??, I asked, she said she doesn't know. This was XX/XX/2020. I tried to call customer service the same day, was on hold for ever, finally got a representative on the phone explained the situation and they refused to speak to me. On XX/XX/2020, I called the maker, they stated that they never received anything from TD Bank, in fact the checks cleared their account XX/XX/2020. On XX/XX/2020 I went to the branch, only to be told I had to make an appointment and it had to be made online. On XX/XX/2020, I submitted the request, received an email confirmation, stating a representative would be contacting me to set up a day. Today is XX/XX/2020 and I have yet received that phone call to set up the appt.. Because of this I decided to file this complaint along with a XXXX complaint. What TD Bank doesn't realize, is that our banking relationship is not completely terminated, not until I get my money back. This is sickening with what they do to any consumer, it's especially disturbing with the Covid-19 destroying businesses and TD Bank is right there with Covid-19.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been unable to use my approved TD Bank Retail Credit Card for XXXX XXXX sinceXX/XX/XXXX ( the date I was approved for $ XXXX credit ). I have tried numerous time to contact the company and have experienced extremely long wait times to the point of abandoning the call after several hours of waiting on hold. I have tried sending inquiries and message on their online account portal and not received any email notifying me of their receipt of my inquiry, nor any assistance on resolving the problem using my card on the XXXX XXXX website. XXXX XXXX is blaming TD Bank for the decline messages I am receiving and is advising to contact TD Bank directly for assistance.
Company Response:
State: TX
Zip: 78023
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: TD Bank. I had to close an account do to it being a victim of check fraud and open a new account. On XX/XX/19 checks came through to my to my old account and my overdraft protection kicked in. I made a payment from the new account to the overdraft protection. Apparently I should not of been able to do this so the payment was rejected and since the old account was closed it had no where to go and kept getting bumped around. I have talked with multiple people at TD bank everyone agrees the money is lost and no one knows where it went. It is no ones job to fix this at TD Bank. The amount is {$1500.00}. There are several notes on my file and everyone can see the money is lost but no one at TD bank is able to fix this.
Company Response:
State: NH
Zip: 03431
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
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 was set up with auto pay my card was compromised and a new card was issued. I was never advised that the payment didnt go through
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020, I attempted to make a purchase with my TD Bank debit card but the transaction declined. When I logged into my TD Bank online banking I realized my two bank accounts ending in XXXX and XXXX did not appear or exist and my money was missing although I had over {$1000.00} in my account ending in XXXX. I immediately contacted TD Bank and the supervisor stated that my accounts were being closed although I was unaware and not notified and she also stated that she does not know why my money and bank accounts disappeared.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX at XXXX XXXX I received a notification that a new hard inquiry was on my account from TDAF ( TD Auto Financing ) that I did not give any authorization for. Upon investigating XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX ) ran my credit through TDAF without my authorization. I visited the dealership on XX/XX/XXXX at XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX Miles VIN : XXXX Stock number : XXXX. I provided them with my own financing from XXXX XXXX XXXX gave them the letter with the Application number and Policy number so finance dept can smoothly process the transaction and paperwork through XXXX XXXX XXXX ONLY I stated at the dealership I do not wish to run my credit against any other entities as I do not want any unnecessary inquiries. Upon realization of whom could have possibly ran my credit I called the manager XXXX XXXX. where he stated " yes we did run your credit through another entity but it will drop off your credit report in 3 weeks '' I stated I did not authorize my credit to be run as I had previously discussed on XX/XX/XXXX between XXXX XXXX and XXXX that I already came with my own financing and have no wishes to run my credit for a chance at a better rate. manager stated this is normal everyday business we do this with all customers buying a car. I immediately called the credit bureaus spoke with representatives that stated this report will not drop off until XX/XX/XXXX. XXXX rep stated the manager at the dealership would be the only one who could get this removed. I called the manager XXXX XXXX back and explained I spoke with the credit bureaus and they stated the originator of the inquiry would be the only person to recall it as it was not authorized. the manager XXXX XXXX stated " well its already too late the credit has been run. there isn't anything I can about it. we can talk more about this when you come down to pick up the car you purchased what time are you coming Saturday? '' I explained to him you have to call TDAF back and recall the inquiry as it was not authorized and that I will be down Saturday morning if not sooner I will call ahead to let them know if I can come before Saturday '' he stated with an annoyed, irritated manner " okay ill call TDAF now '' and hung up with such haste with zero assurance he would handle this. He brushed me off during both conversations. they got the sale and they no longer care about the customer as they ran my credit without my authorization. then proceeded to lie stating the inquiry will fall off in a couple of weeks. after officially confirming with the credit bureaus that in fact is a lie. " If we can see it then its staying on there for a while unless they remove it. '' was stated by XXXX. I'm not asking for anyone to be in trouble I just want this to be rectified since it actually can be rectified. were all suffering with this pandemic and everyone is stressed. I'm aware of that 1000 % I was shocked to see the inquiry as I felt I could trust this dealership based on reviews and others raving about past experiences. just another XXXX Dealership letting down their customers. I am ultimately done with XXXX as an entity at this point. I've given them some time before submitting this issue here I want that to be known as well.
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a TD Bank " home inspiration '' credit card that I make flat monthly payments on for a furniture purchase - the account was opened in approximately XX/XX/XXXX. My monthly payment is {$94.00}, and I have paid it every month without fail. However, I was assessed a late fee in XX/XX/XXXX and then, when I didn't pay that, another one.I found this out when received a letter from a collection department at TD Bank in approximately XX/XX/XXXX. I had been locked out of my online account and was simply paying the {$94.00} monthly installment. After I received the letter, I found out when I contacted customer service on XX/XX/XXXX that this was allegedly because I made my XX/XX/XXXX payment " too early '' so it was credited to XX/XX/XXXX. When I pressed, the agent, she was unable to clearly answer what date was " too early, '' but told me they would waive the original late fee. I asked for the subsequent one to be waived as well and, after speaking with a supervisor, she said she could do that. She advised me to pay the {$94.00} that was still showing as outstanding ( since the installment payment I had made went to principal ), and I agreed to do that right away, and made a payment on my TD account website that night. When I checked my account again a couple of days later, it still showed that I owed {$62.00}. I sent a message on XX/XX/XXXX through the TD account website, and received a message back saying that a {$38.00} late fee was being reversed for me as a one-time courtesy and that I should allow one billing cycle for it to show. I was concerned that I was going to be assessed yet another late fee so, on XX/XX/XXXX, I made a payment of {$62.00} to try to XXXX out whatever was going on with the account. I then also made my usual {$94.00} installment payment on XX/XX/XXXX. However, when I looked at my account today, I have been assessed two more late fees - one on XX/XX/XXXX, and one on XX/XX/XXXX, both for {$38.00}. At this point, I have made not only an extra {$94.00} payment, but have also paid {$62.00} in late fees that should NEVER have been assessed, since the only thing I ever did " wrong '' was make a payment too soon.
Company Response:
State: NY
Zip: 12302
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Someone opened this account with my information and received the list of transactions sent to me, but I did not even live in Florida at that time. I was in the XXXX XXXX studying and they sent me proof even of a payment that I have no idea where it went. I would like to be shown where I sign? Where I applied for that account because if not, they were removed from all the credit agencies immediately
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a complaint against NORDSTROM. The reason for this complaint is that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: on XXXX the XXXX we received in writing a letter the TD Auto Finances account number XXXX grant you an payment extension for the Covid 19 TD Auto Finance did not comply with the extension he deduct the money from our account bank you can reach me at XXXX or send me a email to send copy of the letter my name is XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A