Date Received: 2020-04-03
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Today, I was declined service at the XXXX MD branch even though I presented my valid driver license. Afrer 20 minutes of waiting, I offered to write a HELOC check for the withdrawal, but was told I needed to produce my passport to make a withdrawal. Then I was denied a withdrawal of ANY amount by the head teller ( XXXX XXXX ) and the assistant manager ( XXXX XXXX ). I desperately called the regional admin ( XXXX XXXX ) while there, but she never returned my calls or texts. This is not the cash withdrawal policy at TD bank. You only need to show a valid ID - which I did. I correctly answered all security questions. I even offered to show a pic of my passport in my phone from a travelitinerary, but was told that I needed to come back tomorrow with my passport. I begged for cash or to do a wire, but was declined. I should be able to make a withdrawal on any given day, but during this unprecedented time to be treated so horribly when I need to feed my family, they should all be ashamed!! This virus is LIFE or DEATH and this bank treated me like they didn't care if I died.Now, I am too afraid to leave the house again, but we have no food and I can't get ANY money from my account to buy food and pay bills. I lost my debit card.
Company Response:
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I called in to make a payment to Target Credit Services on XX/XX/XXXX. I had been going through a lot with my XXXX being in and out of hospital since she was XXXX and so I was forgetting to pay the Target card. I decided to pay it off and close the account. I did the auto pay. I didn't know it at the time, but I had accidentally entered an extra " XXXX '' in the checking account number. The payment did not go through. I got another bill and called to find out that the payment did not go through on XX/XX/XXXX. I spoke to a representative and made a payment over the phone. I read my checking and routing number from the check I was holding in front of me to the representative. 1 week later I called because I was I did not see the withdrawal from my account. The credit card representative assured me that the payment had gone through and my balance was XXXX. I received another bill at the beginning of XXXX showing an outstanding balance. I decided at that point to just write a check and mail it on XX/XX/XXXX. The only reason I was calling was to get the payment in ASAP, but I continually had problems. I made a complaint to XXXX XXXX XXXX when I saw that they were constantly having trouble receiving my payment. The check finally cleared. I called Target because I saw that my credit score was being affected. I spoke to a manager to find out what they had taken down in XXXX for my checking account number. I found out that they had an extra XXXX still in the checking account number that didn't belong. I explained to the manager that I read the check number verbatim and there should not have been a problem. The manager told me that she believed that the checking number was not updated by the representative from when I tried to make payment in XXXX. Thank you, XXXX XXXX
Company Response:
State: CA
Zip: 95691
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX/OCC see below emails My credit report is at a XXXX and went down 50 points as TD is reporting me late on my TD VISA. Ask TD why when I call and I have recorded calls- they will not accept my payment. By post or in TD bank- Cease and Desist was added by an XXXX named XXXX XXXX and read the letter he wrote me from the last complaint. Thirst people can not do this! I am going to now sue for all the horrible acts TD is getting away with via CFPB!!! I HAVE Undeniable proof. Shame on you CFPB for allowing TD violate over and over. The works is XXXX down and TD during a Corona virus reports me late! TD list on line they are willing to help during the Corona virus! What a bunch of liars. Negligence. TD would not take my payment. Charging me late fees and interest and lied over and over. I will make sure every TD employee and higher up is held accountable for there actions. Those TD employees were emailed many times a day not one response. No TD visa statement which can only be mailed since its a closed account which again closed the account in 3 weeks. My loan account no access. Told to go in a branch by TD to show I am XXXX XXXX I have many recorded calls, emails and went in the Branch and this was in my prior complaint!!!! I want to make this clear since I have filed many complaints regarding the many bank violations TD has done over and over. CFPB just forwards the complaint and does not read and allows TD bank to get away with banking violations. I have sent an email to the director of the OCC. TD bank black listed my emails, Will not allow me to make a payment over the phone, not in a branch or the drive thru. I am also told due to the inability to work together and read a transcript. I HAVE Recorded calls. I have not received my TD visa statement sinceXX/XX/2020. They put a cease and desist without my permission!!!! They will not take my loan payments since XX/XX/XXXX. I had to beg for two hours no access to my own loan account!!!! I have been going in circles with these scumbags. From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Fw : Acct TD Visa XXXX XXXX XXXX XXXX. Loan TD Bank, the only creditor reporting me delinquent via Transunion credit report stating I am delinquent as of XX/XX/XXXX. TD put a cease and desist order!!!!! And blacklisted my emails. Meaning they blocked my emails as that is the email message I receive back. TD bank will not take my payments by phone, in the bank , drive through or by mail. I am being told by TD employees they read me a transcript on the phone due to our relationship TD is unable to assist so on and so forth. This abuse needs to stop. I have not received a TD visa statement since my XX/XX/XXXX payment was due XX/XX/XXXX to XX/XX/XXXX statement. My loan which I paid {$6000.00} and not behind charging me late fees and interest. Charging me interest on my Visa of {$71.00} with late fees. I am not late with one other creditor nor have any issues with any of my creditors. This is horrible that TD is abusive and unprofessional. I was in a hardship program with my TD visa. I tried to renew it and once again the games and hours on the phone. Keep in mind I have ample proof TD violated every banking violation you can think of. I am done dealing with being abused. Creditors are assisting people with no issues. This bank is not only trying to sabotage my credit but will do everything in there power in any way possible to harm me mentally. Possibly harming me in some way. If TD will not speak to me, or assist me in the Branch, and I mailed out my payment to a PO Box from the XXXX chairmans office and still will not take my payments! Someone needs to step in as I will not be mentally abused or physically harm me and have my credit ruined for the egregious acts TD persons have done to me. I have substantial proof. XXXX XXXX I have emailed over and over. TD black listed my email. So I have filed a complaint with OCC with director. My credit score has gone down 50 points. I have telephone recordings! Proof I was at a branch. Are you people out of your mind!!! Where is my TD statement! This XXXX from the chairmans office sends a letter which is a bunch of lies which I sent in my prior complaint. signed by a low end advocate XXXX XXXX who is a complete XXXX and is a liar. I ha e phone records I called TD in XXXX, XXXX and XXXX. I have phone recordings along with my phone Records!!!! CFPB complaint XXXX-XXXX. The whole world is shut down and they are reporting me late!!!! I have stellar credit. These people are the worst low end people. 1. They black listed my emails. I am not allow in a branch. Not because I am a threat if I was than they should take me to Court! Changed my password to my loan account which I have no access too and paid {$6000.00} a head of time. They charged me a late fees on that account and I was not late. I HAVE PROOF!!! These people are not going to get away with this!!! I have also contacted a Lawyer in the FCC. From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX Subject : Acct TD Visa XXXX XXXX XXXX XXXX. Loan Att XXXX XXXX : Another incompetent TD employee. Customer Advocate. How disgraceful! Mr. XXXX, I called your office and due to this outbreak as you well know I spoke to an official at the OCC and told due to my story I was advised to add you to this email. I have all proof to back up every single claim against TD Bank and its employees who continue to violate banking laws. The list is endless. 1. I am so tired of filing complaints with CFBP and OCC and State Attorney General Office who gave me XXXX XXXX phone number and email address. He did not have the decency to respond to one of my emails!!!!! I have recorded calls, Phone statements, ID numbers of TD employees I spoke too!!!!! I was in a hardship program for my Visa. I had a direct contact with Director- XXXX XXXX XXXX who no longer works there!!!! I called many times XXXX, XXXX, XXXX to inquire to renew. I was provided NACA phone number by one of your XXXX employees along with many others that would not provide phone numbers or transfer or assist to this so called new department!!!!! I spent hours on the phone! I have substantial proof!!!! Your hardship department has changed as of XX/XX/XXXX with no letter, and calling over and over with not one person to renew this. This XXXX XXXX XXXX adds a cease and desist!!! TD bank can not even send out a correct dated letter or even debit my TD bank account for my loan payments when I had my bank acct. I have never had one issue with any other creditor accept this hood rat bank!!!! I want this situation over. I will not be abused anymore. 1. I want the interest removed from my TD visa and late fees!!!! No one would take my payment. I was on the phone for two hours. Not one person would take my measly {$42.00} payment. I went in the bank and have no access to my loan. My password was changed and not by me and no one else accept TD bank I was locked out of my own acct. I had to beg someone to take my payment over the phone. I paid you scumbags {$6000.00} and did not even allocate the money properly. I have late charges. My interest is through the roof!!!! No statements that I asked for! I can not even log in my own account!!!!! I am not behind in my payments!!!!! I want my loan payments deferred and interest stopped. The same for the closed Visa acct! It was closed after three weeks. There is endless story after story. I went in TD Bank Branch with my passport, DL, and proof of my residence. XXXX at XXXX XXXX would not assist me and told me my get out as he has the authority through XXXX XXXX that he does not have to assist me. For the record XXXX XXXX Ive emailed you prior and you did not respond. Many times!!!! FYI I assure you its the law to assist. I will never go away until your egregious mistakes are rectified. I want my statements to my loan. Who is going to assist with hardship for my credit card. Who is going to assist with my loan. As for XXXX XXXX XXXX on you. By the way I mailed my payment and the check was not cashed!!!!! You have the nerve to treat me like a peasant and tell me to mail my payment!!!! Ask XXXX why he did not take my payment!!!!! You XXXX!!! Note : This is the only creditor I am having a three year battle. This has been going on since XX/XX/XXXX! I am so tired of spending hours to make a payment, to beg people to take a payment and not even late with my payments. I am locked out of my loan account! No statements, late fees, I am not even late. Interest not correct! I go into a TD Branch. My check is not accepted!!!!! What is going on here!!!!!!! I have proof of every statement I make and witnesses and High Ranking employee In the consumer affairs office that tried to assist me and spoke to TD Bank and its employees. He said- I have been here over 15 years and never seen a case like this along with the hellish people at TD bank. This needs to stop once and for all. NOW. XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NUMEROUS TIMES I HAVE REACHED OUT TO YOU AND ALSO TO XXXX AND THE 2 CREDITOR ON MY CREDIT REPORT. BUT I GET NO RESULTS, SINCE EVERYONE SITTING IN THEIR NICE OFFICES ARE COMING TO SOME CONCLUSIONS. THIS ACCOUNTS WERE OPENED WITHOUT MY CONSENT, MY PERSONAL INFORMATION WAS STOLEN, MY EAIL, MY MAILBOX WHY IS IT SO HARD FOR YOU GUYS TO UNDERSTAND THIS, AND I HONESTLY BELIEVE THIS IS I AM NOT THE ONLY PERSON WHO HAS THIS ISSUE, I BELIEVE UNTIL THIS HAPPENS TO ONE OF YOU YOU WILL NOT UNDERSTAND HOW DIFFICULT IT IS TO PROOVE YOUR INNOCENCE. I HOPE THIS NEVER HAPPENS TO ANYONE BECAUSE NOT ONLY YOU HAVE TO DEAL WITH PEOPLE LIKE YOU WHO DOESN OT BELIEVE AND YOU HAVE TO CHANGE EVERYTHING WITH THE POST OFFICE FOR ME I HAD TO CLOSE MY BANK ACCOUNT AND GO TO COMPLETELY DIFFERENT BANKING INSTITUTION, I AM VICTIM OF AN IDENTITY THEFT, I NEED THESE FRAUDULENT ACCOUNTS TO BE REMOVED FROM MY CREDIT REPORT.
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: I filed protection under the Bankruptcy act XX/XX/2020, and Target Credit Card didn't adhere to the Federal Bankruptcy Law. The BK law protects from creditors like Targets. Doing the time I was under Bankruptcy, They reported late payments on my credit file. Also the law indicate the creditors can not report negative marks to the reporting agencies until the BK has been discharged. I would like this account deleted from my credit file as soon as possible.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: First and foremost, I know in lieu of the corona virus we are all facing difficult & trying times. The Banks are closed and business can only be conducted through atm or direct deposit. Which is a good move and I am totally fine with the Govenors decision. On XX/XX/2020 I deposited a check in the amount of {$2700.00} at the Atm on XXXX XXXX in XXXX, PA. The amount came out of my husbands XXXX account the next day. Yet for the past week when I go on line the funds are on hold. I called the bank, 40 minute hold time. I drove down to the branch yesterday XX/XX/XXXX,. I asked to speak to the manager the time was XXXX he was kirt, sny and very condencending. I was gravely insulted. not to mention, I have a history a XXXX XXXX XXXX. I was so upset I was worried for my life. He mentioned I may have a history with the bank.I do have a history of banking with TD bank for 18 years with no problems. The manager was a male who would not give me his name. I was at the drive through. ( corona virus mandates ). The manager was very unprofessional and upon my visit with proof the funds had cleared, This whole situation should have been avoided. Please do not hesitate to contact me with any questions or concerns regarding this matter. Thank you for your time and consideration regarding this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Around XX/XX/XXXX, I made my monthly payment for my Target card. I believe I made the monthly payment with a representative. On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that Target had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. On XX/XX/XXXX, I contacted Target about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " Target had a computer glitch when my payment was made and the payment did not get posted ''. I asked Target to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. On XX/XX/XXXX, I viewed my credit report to see if Target had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. XX/XX/XXXX, I contacted Target again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " Target was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report. We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted Target on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If Target had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the Target account in XXXX which I was in good standing with my Target account as well as with my other credit card holder. Target ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.
Company Response:
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below : XXXX XXXX This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XXXX XXXX, after being denied credit for a home student based upon negative information being reported through XXXX and XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2020. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2020 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by XXXX. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XXXX XXXX. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I res erve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business na me and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days.
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a car in my name that I co-signed. The car was repossessed. The Accoint went to a collection agency called XXXX XXXX XXXX Everything was paid but it doesnt reflect on my credit report and they refuse to help me fix and update things. This was the person who collected payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ph. XXXX Fax XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020 went online to obtain a tax id for my XXXX. THe first site I saw was XXXX XXXX XXXX. It appears to look like a legit irs site. I put in my company information. They charged me XXXX for a tax id number that they said would be emailed to me. In the meantime, I was online and noticed that IRS does not charge for a tax id number and was going to call bank to have it stopped but then someone from XXXX XXXX called me. I was livid at this time and told them I thought their company was misleading consumers, that I did not want their service, that I was not paying them and I wanted to speak with a supervisor. THey put me on hold and after about 20 minutes, I was disconnected. At that time, I contacted the bank who said they would investigate. I just received a letter from the bank, stating they deemed the transaction legit and are now, at this time during the coronavirus outbreak no less, recharging my account {$240.00} in 3 days for something I never received. It also took me 2 days to get through to the bank and the and are not helping either. The point is I never received a tax id from XXXX XXXX XXXX and just want the bank to not process the charge which I tried to convey with them this morning to no avail Here are the facts : I went on this site that looks like an IRS site and paid {$240.00} for something I never received. There is no disclosure on the terms and policy page of XXXX XXXX XXXX that they are not part of the IRS. I told XXXX XXXX XXXX I did not want the service, wasn't going to pay for it, and never received it. The Bank, TD, could show me no documentation that I received the tax id via email so how they said this was deemed valid, I am not sure. The outcome is that I received a tax id number free from the government site. I did not receive a tax id from XXXX XXXX XXXX. I would like TD bank not to take this money from my account tomorrow. This XXXX XXXX XXXX is clearly misleading, there is nothing to disclose to the public that they are not part of the IRS and non suspecting consumer would clearly think they were legit. TD Bank should be able to protect their clients better especially when a product has not been received regardless how misleading XXXX XXXX XXXX is being with the public. Please let me know if you can help. THank you XXXX
Company Response:
State: NJ
Zip: 08723
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A