Date Received: 2020-03-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: TD Bank XXXX North Carolina, Was Neglectful in protecting my money. For todays money was being withdrawn from my account in the amount of {$9000.00}. I was not alerted and they did not put a freeze on what was going on with a fake debit card. I have never owned or used a debit card. Checks are being used with forgery and the bank is refusing to return any money due to 60 days up and not me not reporting. I did not know what was happening due to the fact that I was not receiving any kind of statements or male of any kind. Im still working with the post to start service. This bank was negligent and this is my retirement Im XXXX And I need my money returned. I live alone and Im finding out that I have identity stolen, bank fraud, mail been intercepted. TD Bank has been less than helpful they have been cold and callous they refused to even dispute all the things that I told him too. I am treated As if I did this I am the victim. Approximately 15,000 has been taken from my account police reports have been made. Credit bureaus have been contacted. TD Bank was neglectful with any alerts as their ads will say that they will protect our money. They did not protect my money it should have seen in two days {$9000.00} was being removed
Company Response:
State: NC
Zip: 28792
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My complaint is about Target US Store Credit Card, They have not updated or reported my payments to the 3 credit Bureau since XX/XX/XXXX. This is showing as a high balance for the last 4 months. This is affecting my credit report. Below is the state of my credit file as XX/XX/XXXX. Account Info Hover over labels for more details Account number XXXX Account status A brief message describing the status of the account. Accounts may be open, closed, unclassified, or unknown. Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$300.00} {$300.00} Payment Info Status Current Updated on XX/XX/XXXX Past due amount - Highest balance $ 324 Monthly payment {$28.00} Late payments -
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including TD Bank N/A- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is TD Bank - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.
Company Response:
State: FL
Zip: 33030
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a letter in the mail from XXXX XXXX XXXX XXXX dated XX/XX/2020, asserting that I owed {$640.00} to TD Bank, NA. I have never had an account or other customer relationship in any capacity with TD Bank. I called XXXX to dispute the debt. When I called they asked me for the last four of my social. I did not wish to share that information so I explained the contents of the letter. XXXX told me that the debt collection notice had actually been recalled by TD Bank and TD Bank was no longer seeking to collect the debt through XXXX. I asked XXXX if they could confirm that the debt itself had been erased/purged because I had never had a relationship with TD Bank. They could not confirm and instructed that I call TD Bank 's fraud department. On XX/XX/XXXX, I received an automated call from TD Bank 's recoveries department. I assumed this call was related to the debt, but because I did not have an account number/debit/credit card number ( because I do not have an account or any relationship with TD ), no one there could help me. I then called TD Bank 's fraud department on XX/XX/XXXX. They were entirely unhelpful. They explained that the only way that they could help was if I provided the last four of my social. I asked for clarification, because I did not want to share my social, and because the debt collection letter from Radius included ( 1 ) my current address ; ( 2 ) my name ( but in reverse with last name first ) ; ( 3 ) a reference number with Radius ; ( 4 ) the last four digits of a supposed account # that I was unaware of ; and ( 5 ) a balance that was apparently due. In addition, TD Bank clearly had my cell phone number because I was receiving automated calls from them. However, none of this was enough to get more clarity on the situation from the TD rep. They insisted that I needed to provide the last four of my social. Otherwise, I would have to go to a local TD branch and bring an ID with me. The next day I went to a local TD branch, with my ID and the XXXX Letter. Again, I was asked for the last four of my social. Again, I explained all of the circumstances and all of the information TD already had. The TD branch rep then explained that he could only help me if I provided the last four of my social, despite the contrary instructions from the TD Fraud Department rep from the day before. The TD branch rep then called TD 's Fraud Department. This time the department gave me a new number to call to get an " identify theft packet '' and all I needed to do was provide the reference number on the XXXX letter. I couldn't even call that number at the time as it was a weekend and that service was unavailable. The Fraud Department also could have given me this information the day before, so that I could have made that call first before wasting time at the branch, hearing the same story the Fraud Department gave. None of the individuals I spoke to could provide me any assurances with respect to this debt and future unwarranted debt collection notices. Nor could they even confirm that filling out this " identity theft packet '' would help resolve the issue.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I contacted XXXX to talk with TD card services. They could provide no information on a card, opened without my knowledge, without me giving them more personal information. I offered the card number and my name only. This conversation took place on XX/XX/2020 I have not activated the card or used it. I believe the account is still open.
Company Response:
State: MI
Zip: 49015
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX notified me in my XXXX credit card statement that TD Bank had purchased the XXXX XXXX Cash back Visa card, and that TD Bank would no longer be continuing the XXXX Cash Back Rewards program. As a result, no more cash rewards would be deposited into my XXXX online savings account after XX/XX/2020. At that time, I called XXXX XXXX to redeem the current balance in my Cash Back Rewards account, and deposit them into my XXXX online savings account. I was asked if I wanted to continue my credit card account with TD Bank even though they would no longer be offering the XXXX Cash Back Rewards program. I told them that I did not want to continue my credit card account with TD Bank if that were the case. I got my final credit card statement on XX/XX/2020 for the period XX/XX/20 - XX/XX/20. During that period, I had accumulated {$20.00} in current cash back rewards in my account. When I called to redeem the rewards, TD Bank told me that since I had declined their credit card offer, the accumulated rewards were no longer available to me. They stated that by not accepting their offer to continue my credit card account with TD Bank, I had " by default '' closed my account. And they stated that once an account is closed, the cash rewards are forfeited to TD Bank. When I called to complain, I spoke with Agent XXXX # XXXX and Agent XXXX # XXXX, who both told me there was nothing they could do to get my cash rewards back to me because that was their company policy and they can not change company policy. They further stated that they could prove that this was their company policy because it says so in their credit card agreement that they can keep these cash rewards funds once the account is closed. I don't see how this can be legal. If so, TD Bank is being allowed to keep all the cash rewards that have accumulated in all the accounts for all their customers who did not agree to accept their TD Bank credit card. They are telling me it is legal because they sent me a notice stating that if I did not redeem my remaining cash rewards by XX/XX/XXXX, then I would forfeit the rewards, but I told them that I did not get that notice. Their position is that since they told me that they sent it to me and it states in my credit card agreement that they can keep any cash rewards from an account that is closed because I did not accept the terms of their new credit card, then there is nothing they can do. I don't think the cardholders who decide not to accept the TD Bank credit card terms are aware of this policy by TD Bank. And that's a whole lot of money that will be forfeited by a whole class of consumers, including myself, who will lose thousands of consumer dollars in cash rewards balances that must be forfeited to TD Bank as a result of this self-serving company " policy ''.
Company Response:
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hi today ( XX/XX/XXXX ) I called TD bank because I had an overdraft Balance of {$680.00} out of which 82 % was overdraft fees ( {$560.00} ) when I called to try to get some of the overdraft fees removed, they declined it. I asked to speak to a manager and she also declined my request. When I asked why I was charged my first overdraft fee of {$70.00}, I figured I was victim of balance misrepresentation. On XX/XX/XXXX I was charged a overdraft fee of {$70.00} for over-drafting my account to - {$6.00}. However, my balance was showing {$240.00} positive and it didnt show un posted transaction which still totaled up under {$240.00} because some of them were charged after XX/XX/XXXX when the first overdraft has already occurred. XXXX the manager had told me it was due to pending transactions not shown on my account which led me to believe I had a positive balance.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had 4 accounts with TD Bank. 2 were business and 2 were personal, with credit and debit for each. 48 hours after I made an early payment on the personal credit card that was in perfectly good standing, thousands of dollars away from my credit limit, my card was declined. I called to inquire only to find out that they had reportedly thought I was deceased. This is nonsense since I had 4 accounts and only one was closed. I called numerous times about the problem, was advised to go to the branch, which I did, but never received any sort of reasonable answer. They told me repeatedly that they would be in touch within 5-7 days. They said that several times before sending the account, the account that was in perfectly good standing, never late, to debt collections. I spent many hard years building my credit so this is an assault on my entire person. I was flabbergasted when I got a letter from a collection agency. However, I settled the debt with the collection agency in order to move on with my life. Within 48 hours of settling this debt, TD had miraculously REACTIVATED the card that they had heretofore refused to even discuss with me, and I only noticed because an automatic payment from XXXX that I had forgotten to switch to a new card all of a sudden went through. Now, I was able to log in to the TD account that I thought was settled. They had refused to give me an answer as to why one account and not the others was canceled, they had refused to correct the mistake, they sent the account that was in good standing to collections, then after I paid collections they turned the account back on. I feel like I am going crazy, but I have proof of everything. On my way to the branch now, almost two months after this began. There is no happy ending because I am still dealing with this. I watched them physically shred my card and now I am attaching evidence that my card was reactivated after being settled, shredded, and supposedly cancelled with the rest of my accounts, all while it was in good standing. Then after settling with collections, they pretended nothing had happened and turned the card back on, with my account showing late fees and the same nearly almost {$10000.00} balance I had settled. That's called fraud where I come from, which incidentally is the same planet on which TD is based.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened a target red card and used it in my name, and target refuses to do anything about this situation or remove this from my credit reports.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I closed my account with this bank and I had a bill pay they refuse to cancel and the merchant is charging me {$20.00} return check fees because my bank wont cancel it on their end
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A