Date Received: 2020-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD BANK US/TARGET CREDIT. HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NO MINE.
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hi I opened accounts ( checking and saving ) with TDbank based on an online promotion of XXXX $ if I do certain deposits during a specific time window. I did all the requirements but when I asked for my promotion money they kept giving me different excuses, first they said Im not qualified for a new account promotion and I should apply for a pre-existing account promotion ( which is lower than XXXX $ new accounts promotion ) I contacted them stating that I opened my account based on the new account promotion and Im not interested in changing the offer. Then they said ok will give you the promotion money in 2-3 weeks. I waited 3 weeks but they didnt get back to me or deposit the promotion. I contacted them but this time they just said you are not qualified because you need to get the promotion by mail! Which is totally absurd first when I opened the accounts I asked if I am qualified? and they said yes, second the offer is online all the time and nothing is said about the mail, third the account was opened in XX/XX/2019 and I contacted them many times and never mentioned that. Thats not acceptable and not fair for the other banks who have other promotions and are honest about them. I have records of my secure messages with the bank in case you need them. Please let me know if you need any more information. Thank you
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TD Bank has blocked me from accessing my checking account and put a hold on my money. I tried to resolve the issue over the phone but they want me to go to a branch in person to solve it which unreasonable and inconvenient for me because at the moment Im in the State of Oregon and there are no branch anywhere whatsoever. They want me to go back all the way to New Jersey in order to remove the hold and I dont think I will be back in New Jersey for at least the next 4 months. The way they handle this type of issue is just out of the ordinary and it is causing me stress for trusting a failed financial institution with my money.
Company Response:
State: OR
Zip: 97070
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
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 Credit Card Services has not only failed to refund unauthorized charges on my credit card but has also refused to launch an investigation. I filed a dispute with TD Credit Card Services on XX/XX/XXXX for two charges ( {$520.00} on XX/XX/XXXX and {$800.00} on XX/XX/XXXX ) totaling $ {$1300.00}. I clearly explained the situation in full detail on XX/XX/XXXX to a representative at TD Credit Card Services that the vendor did not have my permission nor authorization to initiate those charges. By XXXX, I completed paperwork sent by TD Credit Card Services and mailed the several pages of both disputes detailing the unauthorized charges back to them in the self-addressed envelope provided. On XX/XX/XXXX I called TD Credit Card Services for an update and was advised the investigation was not able to begin due to not receiving the paperwork I previously sent them, and the dispute was having been closed. I instructed I hand wrote my response and immediately sent the paperwork back to them, but I did not keep a copy. The representative explain she could request on my behalf to reopen the case but ultimately the decision would rest with an investigator. I asked to speak with an investigator but was instructed they are NOT accessible to the public. I asked to speak to a supervisor but was then instructed a supervisor was not available. By this time, solely at the mercy of the representative, I'm almost an hour into the call with the chance of speaking to someone with authority diminishing by the second. I spoke to a combination of representatives and supervisors from TD Credit Card Services on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX regarding reopening my dispute and again being told the same thing, its up to the investigators and I would need to call back for an update. I never received any confirmation the dispute would reopen and again, I wasnt able to speak with an investigator directly in any capacity ( a call back, transfer, email, etc. ) no contact with at all. On, XX/XX/XXXX I contacted TD Credit Card Services again for an update and the representative advised the investigator would NOT reopen the case and they considered the matter closed. It is clear to me that TD Credit Card Services never intended to remove charges I incurred on XX/XX/XXXX or XX/XX/XXXX and didn't even want to bother with an investigation. Their antiquated procedures help them to blame the postal service ( or you ) by saying they never received the documents. By far, this have been a very frustrating and disappointing experience that I've ever had with any credit card company. I've been in business for many years, using my credit cards strategically to maximize their benefits to reinvest into the business and the cornerstone to that is the ability to offer protection and purchasing power. I believe experience is the best teacher, and through this experience, TD Bank Credit Card Services has taught me they are not the company that protects their customers but instead treats them like cattle. Other potential customer let my experience serve as a warning.
Company Response:
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Credit Inquiries reported in 2018. Multiple credit inquiries that I did not authorized.
Company Response:
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I am having trouble opening bank accounts with XXXX XXXX, XXXX, TD Bank, XXXX XXXX, & other high level banking institutions. This is due to fraud that wasnt done by me. I opened a student account with TD Bank account in the beginning of XX/XX/XXXXXXXX. At the end of XX/XX/XXXX, there was a false check of {$4400.00} placed into my account after I lost my TD Bank card along with the account number & routing number written in an envelope in XXXX, NY. I wasnt employed at the time, so I couldnt have made anything close to that amount. I hadnt realized I lost my information until I got to XXXX. I called customer service to have that TD Bank account closed once I got back from a weeks vacation in XXXX ( XX/XX/XXXX-XX/XX/XXXX) .This account was for building a checking account for tuition. On XX/XX/XXXX, a friend of mine placed 3 false checks into my XXXX account ; each of which totaled to {$900.00}. I didnt know what he was trying to do really. At first, he said it was a favor then it turned into fraud once the checks appeared as false checks. He blocked my phone number & other sources of contact information after that. At last, the account automatically closed near the end of XXXX, XXXX. That XXXX account was opened in my XXXX year of high school in XXXX, XXXX. I was also using that XXXX account as my first funding option for college for food, groceries, school supplies, furniture for my apartment, & gas for my car. All of this has lead to me being unable to open other student accounts since Im trying to get back into school at The University of XXXX. These bank accounts are needed for me to receive funding, especially from family while Im away at school in XXXX. My family resides in various parts of XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This loan was paid off by my auto loan directly to Td bank. Td bank made an error as If it was past due. They apologized and fixed the error at the time. However, this is still showing as an inquiry. This is not past due, ever in collection etc. loan was paid off in a lump sum on time.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There were 5 inquiries made on my account on XX/XX/XXXX. I did not authorize all of these inquiries and they subsequently lowered my score. There were 3 more made on XX/XX/XXXX. I did not authorize all of these. I had to file bankruptcy a couple of years ago and I am trying to rebuild my credit.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
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: In XXXX, I filed Chapter XXXX Bankruptcy as part of my divorce. Target Card Services was listed as one of the creditors. At the time I was, and had been, current with this account. Target Card Services has repeatedly reported me as either late, or has misreported the bankruptcy as " dismissed '' throughout the process. I have called Target multiple times and asked them to correct it. The trustee arranged the payment with Target and they were paid 100 % of the amount owed on the schedule that was mutually established. I finally spoke with a woman in the Charge Off department on XX/XX/XXXX. It was apparent that she did not know the difference between a Chapter XXXX and a Chapter XXXX bankruptcy and tried to shame me by saying that the account was charged off because I didn't pay my bills. I repeatedly tried to explain what I was told regarding this and the woman kept talking over me and saying that Target doesn't have to follow the same rules as other companies. It was obvious that I wasn't getting anywhere, so I am asking you to intervene to get this corrected.
Company Response:
State: CA
Zip: 91030
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A