Date Received: 2020-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TD Bank USA? target credit card is reporting a account on my credit report that was not opened be me
Company Response:
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TDAF is reporting a debt on my file, and I no longer owe it. This debt is not only really old, it's past the statute in California. I am requesting this debt to be removed off of my credit file. I no longer owe this debt under statute laws, and should not be reported.
Company Response:
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I issued a refund of XXXX to some one and td went in my account and took out the money 3 times. this caused my account to be overdone and i was charged multiple overdraft fee. this started in XX/XX/XXXX i went back and forth with them until they fixed it in XX/XX/XXXX. I asked the to refunded the fees that was charged to my account due to the bank error and they told me that were not going to i asked them why they said they just can't.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/17 an account was opened in my name fraudulently and now carries a past due amount of over $ 7k with Nordstrom. I have contacted their fraud dept & was told to get a police report. I did & sent a copy to them as well as each major credit bureau. Nothing was done. I have been disputing this fraudulent account for months now but this company will not remove it even with my police report. This account is damaging my credit score tremendously.
Company Response:
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, This is regards to a credit account I have with TD Bank using their Myonlineaccount.net website access. This platform is antiquated, limited, hard to use, and very difficult to properly set up automatic payments. It was difficult to set up an initial user name and password on their site to even begin making a payment, but I was able to set this up and make payment with a significant amount of difficulty. I believe that they purposely make this difficult to access online services to make payments on time and force members to incur late fees. On XX/XX/2019 I was waiting for my new card payment to clear after trying to set up recurring payments the prior month. The due date for the payment was the XXXX and unfortunately, the payment did not initiate. I immediately made payment on the XX/XX/2019. The payment cleared on the XXXX. However, I was assessed a {$27.00} late fee. Again, I tried to set up recurring payments so that I would not get any more late fees. I have good credit history of making my payments on time. Unfortunately, the XX/XX/2019 payment did not initiate and TD Bank assessed another fee in the amount of {$38.00}. I called to speak with them and they would only refund the {$38.00} fee. I asked that they refund both fees because I tried multiple times to set up the recurring payments. They make this system difficult to use on purpose which I believe caused this issue. I have many other accounts and have autopay set up on those with other banking institutions without any issue. The user interface for their page is not friendly and can be confusing. I spoke with an agent on the phone and eventually asked for a supervisor. The agents response was that she could request a supervisor but could not guarantee how long I would be on hold until they would take the call. I felt I have being put off and pressured into getting off the phone. I said I would wait and a few minutes later the supervisor answered. She said that I had paid late and they could only waive 1 fee as a courtesy in a 12 month period. I stated that the {$27.00} fee in XXXX should not have ever posted to my account because I tried to set up recurring payments and that when the payment did not initiate that I paid the immediate following day. She stated that I paid late and that the fee could not be reversed. She could only refund the one fee. I do not recommend TD Bank or their user interface through the Myonlineaccount.net page.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX An entry is made to my mortgage account by TD Bank ( TD ) in the amount of XXXX with no explanation of what the charge represents. XX/XX/XXXX A message is sent to TD through their online customer service asking for clarification of the charge of XXXX. A response from XXXX TD Bank Digital Specialist does not answer my question and provides an XXXX number for review and assistance. I was unable to reach anyone using the XXXX number and contacted the local XXXX TD branch for assistance who informed me the issue was with my insurance coverage. I contacted my insurance provider who confirmed that my coverage was current, that there had been no lapse in coverage and that all notification of insurance as required had been sent to TD in a timely manner. My insurance provider resent the information to XXXX at that time. I received no acknowledgement from TD regarding that notification or clarification of the escrow disbursement. On XX/XX/XXXX another message was sent to TD asking for clarification of the escrow disbursement charge and why my {$700.00} XXXX payment was not credited to my loan. My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment. On XX/XX/XXXX a miscellaneous receipt of XXXX appeared in my mortgage account with no explanation. I do now know what this entry represents. On XX/XX/XXXX I contacted XXXX at TD XXXX Branch for clarification. No explanation was available. On XX/XX/XXXX XXXX called and stated that my mortgage account was part of an audit and that she could provide no more information about the account. My XX/XX/XXXX mortgage payment to TD of {$690.00} was received by TD and listed as a miscellaneous payment. On XX/XX/XXXX mortgage payment to TD bank of {$690.00} was paid. I have received no information from TD to clarify the information regarding the Escrow Disbursement nor the miscellaneous receipt on XX/XX/XXXX nor the status of my last three three mortgage payments. This is the third complaint I have made regarding this bank and their lack of transparency as to status of my mortgage payments and their erroneous banking audit. I have also not received mortgage statements for the past three months.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have been in literally a war with this bank and the many employees. XXXX XXXX-lets start at the top. I have spend months on end, going into three different branches and my payments to my visa were not even applied to my account with proof I paid. It was nothing but spite work and tried to ruin my credit! I XXXX never been late with any Creditor. These people are wild bores, animals. I tried calling the loan department to make a payment and told by a supervisor i do not have the right password and sound not take my payment!!!! I am blocked from on line to log in. I am being charged interest late fees on my personal loan. TD has not reported in 13 months all the payments I made! They state they gave me a loan modification! Lies!!!! I didnt hours with managers and XXXX XXXX told his employees not to help me. I provided all the documents to an idiot bank manager for three hours!!!! All they did was make my life a living XXXX. My bank does not have an electronic relationship with TD. I wonder why! I will no longer go into the bank because my payments become lost, missing, credit another persons account. Anything to sabotage. I have filed an OCC and a FTC with all of my documents, names, dates down to the very last detail to clearly show these people are not only clearly stupid but are purposely not reporting, they are committing fraud. I can not make a payment! I will not mail it. They will not take my payment over the phone. They said into into your branch and proof your identity!!!!!! TD needs to be fined! TD is trying not to take my payments and not report them. I do not owe {$2000.00}. I paid them {$6000.00} through a balance transfer and they tried not to take that payment. XXXX XXXX can back up my claim. Not only that. These idiots send me a letter and the date is wrong by three months! Idiots!!!! I tried to call them about this payment and they would not talk to me they said I do not have the right password! Its the same password since XX/XX/XXXX! I never changed it. 6 years ago I tried to take out {$5000.00} cash out of my TD bank account which I had for 10 years! I went in person and the teller said you misspelled your password I can not give you the cash. I had my Florida Driver Lisc along with all ID it took 3 years!!!! I know how to spell my dogs name. These people are pathetic! Its XXXX not XXXX! Two years ago my Mother was sick in a XXXX from XXXX. I called them because my Savings of went to my Mother! These XXXX XXXX said you need to go into default before we help you!!!! They are the biggest XXXX XXXX. They are dis honest, seething, I want nothing to do with this bank! If I can not make a payment as I tried calling today XXXX. I am not late nor in any kind of default. My credit is stellar!!!!! XXXX XXXX is useless, does not provide a break down of my daily interest, monthly interest on my loan!!!!! I called on months on end. Its disgusting! XXXX XXXX is the biggest XX/XX/XXXX of them all! Lying cheat and I assure you I am putting his cell number, his home address on social media! His home line, his office address. I am sure he has done so much fraud he needs to be investigated. XXXX is too nice of a place for this degenerate.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: TD Bank has taken every step to avoid paying out their " Promotional bonus ''. After recently submitting a case to XXXX, I discovered why TD was withholding the " bonus '' which makes no sense. It is clear that TD was running a promotion for their Beyond Checking. It is documented throughout the internet and I received a flyer in the mail even though TD declines they sent one ( unfortunately I recycled it after signing up as I did not expect to be scammed by a large bank ). https : XXXX https : XXXX XXXX XXXX XXXX To say the only " online '' promotion they were running was the Direct Mail Checking Promotion is just false. To make matters worse, even if that were true ( its not ), I still received a promotional mailing which they somehow can't track ( how convenient ). Second, if the only " online '' promotion they were running was the Direct Mail Checking Promotion, why did 4 TD Bank Digital Specialists as well as a representative at a local branch ( who spoke directly to the promotion team ) only mention the issue of time? Upon further digging into reviews, this is not the first time TD has promoted bonuses and then avoided paying them. Just recently on the XXXX website : XX/XX/2019 " I have received numerous mailing advertisements from TD Bank. At least one of those advertisements was a direct mailer which made an offer of {$300.00} upon opening a new account and meeting specific criteria. I followed the link on the advertising mailer to open an account and opened the account through the link. I met all promotion criteria during the time frame, which involved creating a recurring direct deposit from my government employer, meeting and keeping an account balance, and keeping my money invested in TD Bank. I made two inquires about the promotion after the requirements had been satisfied and was directed to " just give it time '' before the {$300.00} promotional value would appear in my account. '' Background : My account was opened on XX/XX/2019. Per TD terms and conditions : " The account must be opened for at least 95 calendar days to receive the incentive bonus. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. The Promotional Bonus will be paid between 95 and 140 days after account opening if requirements have been met and account is in good standing. '' During this period, I've reached out to TD on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've yet to receive my bonus.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Around the end of XXXX, TDBank placed a debit block on my checking account, preventing me from accessing my money. This resulted in at least one failed-payment fee at another institution, which was frustrating. I called TDBank, and they said they were " demarketing '' me, and they would close my account and send me a check for the {$2100.00} I had in there. Fine. I opened and closed a lot of accounts with them, and if they don't want my business, that's their right. But this is a checking account! A XXXX account at an FDIC-insured bank! It has been a month and a half, and my account is still frozen and I can't get my money. No check has been sent to me. It's not like I'm waiting for a check to clear or there's some fraud issue ; I should have access to my own money. I've talked to the people at my local branch, and they want to help me, but there's a corporate office somewhere that's understaffed and not acting on this. The branch gave me a phone number for their " demarketing '' department, and that just goes to a voicemail that nobody returns. I WANT MY MONEY BACK!
Company Response:
State: VA
Zip: 22033
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A