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: TD BANK USA/TARGETCRED XXXX this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: CA
Zip: 90278
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: Account status incorrect
Consumer Complaint: XX/XX/, I checked my Credit Report and saw a late marked from TD Bank. I looked online and couldn't see the account in reference. I went into the branch and they admitted that my new business credit card was not linked to my customer profile to make any payments until fixed at the TD Bank branch yet they still auto 30 day lated to Credit Report. The manager called the collections department together with me to attempt to get it removed but fell short of getting it done. Collections stated that I need to open a case for it was out of their hands.
Company Response:
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: To whom it may concern, On XX/XX/XXXX I deposited a XXXX check at a XXXXXXXX XXXX XXXX the bank XXXX mistakenly deposited the check into the wrong account. The check wasn't made out to that random account holder 's name and it bounced, and was mailed to this random person whose account the check was accidentally deposited into. Eventually the branch located the check and on XX/XX/XXXX they deposited the check again this time to my account. On XX/XX/XXXX the check returned by the paying bank for an unknown reason. I contacted TD Bank and they told me to reach out to the individual who wrote out check. I wasn't able to reach the organization who wrote the check. The people who helped me receive the check in the first place spoke to the organization and were told that there was no reason for the check to return, and it seems that the paying bank returned the check because it was initially deposited into a different account and returned that made the paying bank believe that there was a problem with the check. As of now I didn't receive a new check and I'm not sure if the organization is willing the give me one, ( it seems that now they have more important causes than my cause ). Even if I get a new check, I understand it won't be the same amount as the check I got at first. I also had some additional expenses due to the return of the check.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: TD bank decided to close my accounts after a deposit was made to my business account. On Tuesday XX/XX/2023, TD Bank placed my accounts under review, the review they are conducting has been going on for 3 weeks now, there is {$1300.00} in my personal account and {$49000.00} in my business account, TD bank is refusing to release my funds, giving me the bare minimum of information explaining why. There has been no complains of fraud from any company that wrote the check that I deposited, there has been no complains of any sort. TD bank wants me to call the company and ask them to go to a branch and ask for the money back and then ask the company to rewrite me a check, no company will do that, TD bank is asking for the impossible just so they can have an excuse to hold my funds. On Friday XX/XX/2023 a TD representative called me telling me that I could go to the branch and have them release my funds, her name was karine, she also to ; d, e that if the branch gives me a hard time to give her a call and she will help. I went to the branch for the 10th time now since this situation started, the branch refused to give me my money and said that calling XXXX back wont help, they claimed that the phone number that called me and informed that I can get my funds a scam number and that the bank can only send me a check for, y funds via mail. Please I need help getting my money from this bank, I trusted TD bank and never thought they would do any shady things with my money.
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My main bank account, XXXX XXXX was frozen so I opened a new TD account online. I deposited a check and received a XXXX transfer from the same person, my Aunt. My account was open and functional for about a week. TD then froze my account, claimed the check was fraudulent and my account is now " blocked '' and I have no access to the funds in the account, totaling about {$4000.00}. There is NO HOLD ON THIS CHECK from XXXX XXXX XXXX. Unfortunately my aunt passed away before knowing this happened. I have provided bank statements showing this check amount has cleared from the account, as well as a statement showing I am listed as her POD. I am the POD for my aunt 's XXXX XXXX XXXX account. TD requested a notarized letter from XXXX XXXX XXXX. Because my aunt is now deceased, this process of being able to obtain the notarized letter myself will take anywhere from 3-5 weeks if not longer due to probate court. I now have no access to any of my funds and I am struggling.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The city of XXXX XXXX XXXX was charging my old apartment that I moved out on XX/XX/XXXX that I have a letter from management. I am not responsible for any bills after that date. I wrote a letter to everyone that I was moving. I told them I felt that a mail moving letter and the mailman said this goes to absolutely everyone that builds you that you dont have to worry about a thing will take care of everything we notify everyone that you have moved on XX/XX/XXXX I told him I would have them a letter by Monday on the XXXX that Friday are you fraudulently went into my bank account without my authorization and took out {$68.00} without my permission. There is no money in that account so I called my bank and told them they said theyre not allowed to do that so that giving me my money back the bank and I called the city of XXXX and told them they said they would give me a refund and a check I said you dont want that the bank will give me my money back so they were charging me for three months when I was not living there they were aware that I was not living there
Company Response:
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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 have been trying to pay off this TD Bank account since I opened it. They keep telling me that they are charges pending. It has been over 2 months. They show my balance as {$0.00} and minimum payment due as {$0.00}. When I called them initially, they said to wait until the order was fully delivered. All items have been delivered 2 months ago. Last time I called was on XX/XX/XXXX at XXXX and I was told that I needed to call the XXXX XXXX and ask them to push the charges through. It continues to be a back and forth. This is my final attempt to pay these people. This is ridiculous.
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: ON OR AROUND XXXX OF 2023 MY TD BANK CREDIT REPORTED THAT MY ACCOUNT WAS XXXX DAYS PAST DUE. THE REPERSENTATIVE THAT TOOK MY PAYMENT INTIATED A PAYMENT THAT WAS NOT WHAT I INSTRUCTED HER TO DO. MY MONTHLY PAYMENT WAS {$35.00} AND THE LADY PUT IT IN THE SYSTEM {$33.00} AND THIS CAUSED MY ACCOUNT TO BE IN A XXXX DAY PAST DUE STATUS WHICH AFFECTED MY CREDIT REPORT AND NOW I CAN'T GET A HOUSE OR JOB
Company Response:
State: SC
Zip: 29926
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: ATM did not dispense funds
Company Response:
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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: A fraudulent charge was made to My TD credit card on XXXX XXXX and XX/XX/2023, for four airline tickets for the total amount of {$3.00}. I been disputing these charges since XXXX XXXX. T.D. respond is that they have reviewed the credit card dispute claim, and according to their investigation. They have determined that fraud did not occur. I paid the total amount regardless that I did not made this transaction, to prevent late charges. TD credit card has not provide me with any documentation of their investigation they said they did. I have disputed a few more times and T.D. respond has been the same. That they have determined that fraud did not occur. I appreciate if you can help with situation. Thank you.
Company Response:
State: NY
Zip: 11554
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A