Date Received: 2020-03-23
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I've been affected by the current pandemic at hand and there's no way for me to make money if I can't even leave my house. I'm currently in lockdown in New Jersey with no way to pay for this personal loan because I have little to no income right now. I called TD Bank hoping they would somehow alleviate my situation, but all they offered was a week extension of my due date. This was changed from XX/XX/XXXX to XX/XX/XXXX and this action took place on XX/XX/2020.
Company Response:
State: NJ
Zip: 07206
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account with TD Bank through https : //www.td.com/us/en/personal-banking/checking-aff-incentive-55/. It offers " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. " I completed {$5500.00} of direct deposits ( verified with paystub emailed to a representative ). The bank is refusing to pay out the {$300.00} bonus, as they are claiming I opened the account in branch ( I opened online ) and I used a direct mail mailer not targeted to me ( I used a public internet link ).
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My last statement on the Target Redcard/Store card stated my payment due date is XX/XX/2020 ( please see attached document ). I made my payment on XX/XX/2020then their system automatically generated a late ee charge of XXXX and automatically added to my next payment will be XXXX minimum payment instead of XXXX. This was confirmed by the customer service representatives that my payment always due on the XXXX of each month. The last statement was obviously a computer error but it was not my fault. I called in and spoke the first representative who told me he will adjust the late fee of XXXX and credit account but myXX/XX/2020 payment is still showing XXXX minimum due instead of the XXXX. I called in and spoke to a supervisor XXXX but he refused to adjust my minimum due for the XX/XX/2020 payment. Please help me straighten this out because its not the consumers fault. If it is a computer error Target credit should be responsible for this matter and it shouldnt be at the customers expense. I dont want them to report to my credit file that I have a late payment if I only make the XXXX minimum payment excluding the late fee. My other concern is how accurate they are with their banking system. How do the consumers know if their interest calculation is accurate. Believe me. Im working very hard trying to pay off this card ASAP and close out this account for good. My goal is to get it done by the end of this year. Please take a closer look at this matter and see how many more consumers are affected by this problem. Thank you very much for your help. XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased a new vehicle for $ {$23000.00} in XXXX, WV on XX/XX/XXXX. TD Auto sent me a Title to my car in their name and in the State of Virginia, NOT West Virginia and in my name as it should of been. They sent a Statement of No Interest to me dated XX/XX/XXXX where they stated in writing that " Our ownership was listed in error ''. TD Auto sent my financial institution a Lien Release/Termination Statement dated XX/XX/XXXX with the original Title ( Virginia Title ). I have called TD Auto numerous times to try to resolve this matter and have them fix the mistake they made in sending me the wrong Title to my car. They refuse to help me even though they admitted it was their error. I have been dealing with the Virginia DMV for several months trying to get the Title corrected but they want me to pay Sales Tax on the vehicle in Virginia when I already paid them in West Virginia when I bought my car. I have tried and tried to get TD Auto to correct their mistake and they refused every time I contacted them. I was told over and over again that they do not send Titles and can only send me a Statement of No Interest. If this was true how did they send me the original Title in their name then? TD Auto will not do ANYTHING to help me resolve THEIR mistake and issue me a new Title in my name. TD Auto has caused me so much anxiety over their actions. I need the Title to my car, I paid for it and I legally should have been given the correct Title.
Company Response:
State: WV
Zip: 26003
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Tdbank processed a transaction against my debit card for a yearly car insurance policy which overdrafted the account even though I declined overdraft protection. They then did bill pays and charged additional fees again for these legitimate draws on the account. The first transaction was not declined as per the law. The first overdraft created a negative situation that would not have happened if they declined it as they are expected to do when overdraft protection is declined. They argue it was a legitimate overdraft, and hit me 2 other times with additional overdrafts even after I transferred funds from another td account before the other bills were paid.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: TD Bank 's policies are putting customers at increased risk of Coronavirus. Further, they are giving conflicting information on credit card application statuses. Both are unacceptable. TD Bank requested additional information on my credit card application for their Cash+ card. I called in and they said that I needed to appear in-person in the branch with ID within 45 days and my card would be approved ( I would encourage you to listen to the call I believe it is on XX/XX/XXXX ). That was fine. I found it concerning when after that call I received a letter telling me that my application was fully declined due to an inability to verify my application ( even though I'm an existing customer ). When I called, I was again told that I needed to go into the branch but was told that my application STILL MAY NOT BE APPROVED, AS OPPOSED TO THE FIRST AGENT THAT TOLD ME IT WOULD BE APPROVED. At a time when we are social distancing for Coronavirus, if my application will be declined anyway, TD Bank should not be making me go into their bank. Further, they should not be giving me conflicting information. To make matters worse, the supervisor I spoke with on XX/XX/XXXX insinuated that I was lying about being told the card would be approved saying the other agent never told me that. This is defamatory and incorrect, I would again encourage you to listen to the last call. " America 's Most Convenient Bank '' seems to have long hours but no respect.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My relative from XXXX received a job over XXXX. He was supposed to receive {$850.00} in check and there were 2 other persons who were supposed to get {$1000.00} and {$1100.00} for the job. I received a {$2900.00} check and I was instructed to send {$1100.00} to XXXX through XXXX and {$1000.00} to XXXX through XXXX. The rest {$850.00} I was supposed to send to my relative in XXXX. I deposited the check in my account and the money was available in my bank in next business day. I sent out all their money and ended the business with them. The whole thing was jest a courtesy towards my relative. The next moring i logged in and discovered I owe the bank more than {$1100.00} and the check was bounced. I went to the bank and they discovered it was a fraud check and I've to pay them. My relative contacted me and he said he doesn't know anything about the whole scam thing. I'm a XXXX XXXX and XXXX and this huge debt over me was unexpected. It's about {$2000.00} gone from my account and left me with around {$1000.00} debt to my bank. I'm in a big debt because of the scammers. The name of the bank in the check was XXXX XXXX XXXX and in the very top the address was 'XXXX XXXX XXXX ~ XXXX XXXX XXXX XXXX XXXX~ XXXX, fl XXXX ' I do have the screenshots of the sent money on 2 different XXXX accounts in my phone. I really believe getting the bank accounts connected to the XXXX accounts of XXXX and XXXX is good enough to get me out of the scam and get me my money bank. I'll really appriciate if the CFPB takes all the proper necessary steps to help me get out of the situation. Thanks.
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
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: TD Bank failed to correctly examine the documentation we provide to them about the dispute. This fact was discovered when we talked to a rep with the Customer Complaints department at TD Bank who was trying to get all the facts of the case after we complained to the Chairman of the bank. The dispute was regarding the movement of household goods through XXXX XXXX XXXX. The company did not deliver all the goods and delivered some goods with significant damage. TD Bank agreed with the false statements XXXX XXXX XXXX made in response to the dispute and did not verify the facts with us. We submitted almost 100 pages of documentation in two separate letters and responded to all the requests made by TD Bank in a timely manner. The time given to us to respond was less than 10 days every time including the time it takes to receive regular mail. While they ignored all the facts and details, their final response to us said they determined no billing error occurred and they rand out of 90 day window to resolve the claim. They failed to examine the all the facts in the 90 days and now are putting the blame on us. The total estimated of the damages is about {$21000.00}. The credit card charge of {$7700.00} we are disputing covers only one third of the damages we incurred. We didnt sign on any receipt which showed we received all the household goods as expected in the same condition as they were packed so how is that charge valid? TD bank was negligent in examining all the documentation we provided in a timely manner and now their excuse is that 90 days have passed.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my paycheck XX/XX/20 for {$4400.00} like I usually do on my app. I have never had a problem with check being held. The deposit went through with no issue. I noticed XX/XX/20, though the money had already cleared from my contractor 's bank account, it showed as a hold on my business bank account with no effort from TD bank to communicate the hold. When I contacted TD bank on XX/XX/20, the business account costumer service woman I spoke with on the phone was rude and provided no help at all in resolving my inquiry. She just stated that there was a 6 day hold on the delivery of my paycheck. Apparently such a " large amount of money '' triggered an immediate hold. This is my paycheck and have never experienced any delays or problems depositing a check. Any lack of clarity on the deposit is immediately captured on the app and deposits don't take place unless there's a clear image. I sent a message to TD XX/XX/20 stating the major turmoil this has caused me and got nothing but a generic reply XX/XX/20 Stating " apologies " caused by the inconvenience. Online deposits over {$1500.00} will automatically trigger a hold. Had I been informed of this, I would have never deposited my paychecks on the app. I never default on my obligations! I am in good standing with my creditors and my Credit Score is a good reflections of this. I called again XX/XX/20 inquiring about the status of my funds and a much nicer woman was kind enough to explain the policies on " large '' amounts of money being deposited on the app, she stated my funds should be available XX/XX/20 or XX/XX/20. She also encouraged me to go to an ATM or to a bank teller personally next time. I work during normal bank hours, making impossible for me to take off to deposit a check. Two weeks later, my money is still not available. I had to tap into my savings to make ends meet. Only today, XX/XX/20 I get a letter from TD, supposedly dated XX/XX/20 ( sure!! ) stating that after all, " my check may not be paid ''. I DID NOT received a delayed availability notice a the time of deposit. The fact that TD Bank is doing this to any human being DURING THE CORONA VIRUS outbreak it's CRIMINAL!!
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have mailed a dispute to Credit bureau and company I mailed out validation letter and they didnt validate proof that the accounts are mine they didnt provide proof Explaining and calculated what they say I owe. They didnt provide me with copys showing I agreed to pay what they say I owe. Dont provide statue of limitations hasnt expired. Show me that there license to collect in my state. Nor provide me with a license #. Nor signature on agreed contract. they mailed me a bill what they say I owe not valid proof
Company Response:
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A