Date Received: 2020-01-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Received a promotion addressed to me in XX/XX/2019 to open a TD Bank checking account and be credited {$300.00} if I met the direct deposit requirements. I met the requirements and called 4 times between XX/XX/XXXX and XX/XX/XXXX to find out why I hadn't been credited the promised {$300.00}. I got a different answer every time including being told in XX/XX/XXXX that I don't qualify for the promotion at all. I was told by a branch manager and a customer service representative just before XXXX that they were contacting the back office on my behalf but I never received a response. I feel tricked into opening the account with the promise of a {$300.00} credit within 90 days of the XX/XX/XXXX account opening. Now I'm getting the run-around.
Company Response:
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened this account online ... everything was fine until I mobile deposited a check, they froze my account the next day and they wont let me close my account unless I go into a branch in person which is very difficult for me as Im XXXX and live on ssi and I have no mode of transportation, not to mention every month td bank would send me a statement and just take {$1.00} every month from the checking account to pay for paper statement fee ive tried everything in my power to work things out with this bank but they would not close my account neither send me back my money I Believe this is unconstitutional!!
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/2019 I filed a complaint with CFPB regarding the violation of the FDCPA conducted by TD Auto Finance ( XXXX Complaint # XXXX ). Starting approximately 2 weeks ago TD Auto Finance has AGAIN started calling me by masking their phone # and even worse calling me at work on or about XX/XX/2019 & XX/XX/2019. Both days they called me at work I was off and they spoke to my Boss inquiring where I was and that it was imperative that I call them. My initial complaint with CFPB was addressed by TD Auto Finance representative XXXX XXXX ( XXXX ) XXXX. She reached out to me by calling me and assured me that TD Auto Finance will stop trying to contact me. I advised her that I'm formally advising TD Auto Finance to " CEASE & DESIST from ever contacting me by personal phone and especially at my work phone. Note : Since I obtained my auto loan with TD Auto Finance I HAVE NEVER been 30 + days late and my loan has always been in good standing & never placed in default.
Company Response:
State: MT
Zip: 595XX
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XXXX XXXX aka TD Bank allowed an unknown individual to open an account in my name to purchase two XXXX XXXX XXXX XXXX cellphones with a credit limit of {$4200.00} on XX/XX/19. I have disputed this with XXXX XXXX/TD Bank, as well as XXXX, XXXX and XXXX. XXXX and XXXX deemed this " information accurate ''. This is a FRAUDULENT PURCHASE in the amount of {$1700.00} that two credit bureaus apparently say is valid and XXXX XXXX says will take 90 days to resolve?? I can provide report numbers and documentation that prove I disputed this fraudulent activity. I can also provide the statement from XXXX XXXX mailed to my home showing the detailed account information. I called XXXX XXXX/TD Bank XX/XX/19 when I received the statement to report fraud and was informed in a non caring tone that the account is frozen and I 'should ' receive a follow up from their fraud department which takes 90 days. They will not disclose to me how they allowed someone to buy these cellphones under my name fraudulently on XX/XX/19.
Company Response:
State: FL
Zip: 34691
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX- I called to make a payment due to a payment being returned. The payment that was returned was an incorrect account number. I did not provide this account number to the company for this particular payment. It seems as though their system pulled an old account number that hadnt been used since XX/XX/XXXX. I requested for the fee to be waived, the representative by the name of XXXX XXXX XXXX was extremely rude, antagonistic and argumentative. He refused to transfer me to a supervisor and pretended as if he was hanging up on me. He advised me it was my fault the payment didnt go through and there was absolutely nothing he could do to help me. He placed me on hold and told me Good Luck very sarcastically. I remained on hold over 20 mins. I finally spoke to a woman who never provided her name and hung up on me while I was explaining my complaint.
Company Response:
State: CA
Zip: 91360
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: For my old bank account there, every month between the XXXX and XXXX there was a charge around $ XXXX {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back. This was for my account which was closed a few years ago.
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: on XX/XX/XXXX at XXXX XXXX, a {$300.00} money transfer via Zelle, a subsidiary of XXXX XXXX XXXX , XXXX. The XXXX transfer was sent to my TD Bank account but will not be available until XX/XX/XXXX. Overall, a service that was supposed to be immediate or reasonable, is taking 7 days. I expected the transfer to arrive within a reasonable time. It is stated in the XXXX literature that enrolled XXXX customers can expect payment within minutes. When I contacted my TD bank they said that they are not responsible because XXXX is a third party. I do not want the service of a bank that will not assist me with a customer service concern for a service they provide such as instant money transfer via XXXX as part of their service. I am enrolled in XXXX and I have a TD bank account. The transfer will not be available until XX/XX/XXXX. This is an abuse of customers. This money was needed urgently and is being held by XXXX/TD. The service is advertised as transferring funds within minutes and it is expected that funds will be available quickly when these services are used. These advertising are confusing and false and abusive to customers.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I AM A VICTIM OF AN IDENTITY THEFT AND 2 ACCOUNTS WERE OPENED WITHOUT MY KNOWLEDGE.
Company Response:
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As I always do, I made an online payment to my Target Red Card with my checking account. I made this payment on XX/XX/2019. This payment was deducted from my checking account on XX/XX/2019 and cleared my bank the same day. This payment was not returned and Target has their money. However, Target REFUSES to release the funds to my account. I have e-mailed and tried to get this issue resolved. They REFUSE to tell me how long that they hold payments for. They keep saying that it is close to clearing. It is now XX/XX/XXXX THIRTEEN DAYS LATER and they still have not released the payment. There is absolutely no reason why they should be holding my payment.
Company Response:
State: MI
Zip: 48603
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: We have been customer of TD Bank ( XXXX ) since XX/XX/XXXX. Around XXXX, we also became customers of TD Bank USA and currently deal with their store at XXXX and XXXX XXXX in XXXX. Credit cards were opened in XXXX in XXXX and later ( around XXXX ) in the USA. We used our US VISA account and decided not to make a payment until I could be sure that the charges were proper. Please note that this is not an issue in XXXX since I am provided with all the details on line during the month followed up by a mailed printed statement. However this does not occur with TD US Visa. However, they decided to reduce my credit limit from {$20000.00} to {$1000.00} where it sits currently which I find unworkable and have been phoning them regularly requesting it be increased. I shortly after decided to pay the whole amount to put this matter to an end. They later followed up with 3 letters stating they are unable to approve a credit limit increase because of : serious delinquency time since delinquency is too recent or unknown too few accounts currently paid as agreed lack of recent installment loan information I have no other obligations or accounts with a debit balance that I am aware of. If TD VISA has different information I would like to know about it. But why would they make this statement and refer to installment loans since we have never had one. Also please note that our chequing account bank balances in XXXX and the USA are over {$100000.00} and have been for some time. They say that XXXX provided information that influenced our decision - how can they get information since we do not have a social security number. TD apparently does not have any intent to properly handle this matter and is dealing with it in an offhand matter. Also please note that a previous TD USA credit card had a date expiry date of XXXX. I tried to pay for a meal on XX/XX/XXXX, that year but was told that my card had expired. So it seems that TD is playing with their customer 's good will. I would venture that universally every one knows that a card so described expires the last day in XXXX, not the first.
Company Response:
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A