Date Received: 2019-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have sent in letters asking to verify this debt and I have not received accurate information matching this debt to me. Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages. Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony. 18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both. 18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both. 42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Hello, I hope all is well. You previously helped my husband, XXXX XXXX, with his new TD credit card. Specifically, he was unable to see his credit card on the tdcardservices website. His old card was displaying instead of his new card. The same issue is now happening to me. My old closed card ending in XXXX is displaying, instead of my new card ending in XXXX. See the attached screenshot. Also, if not done so already, please update my name in your systems from XXXX XXXX to XXXX XXXX XXXX. Marriage certificate and drivers license are attached.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2019-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank received our XX/XX/2019 mortgage payment of {$2700.00} on XX/XX/XXXX. However, it did not credit it against our mortgage because the escrow amount had been increased. Considering it a partial payment, TD Bank did not credit any of it to our account. The notice of escrow increase was sent to an old address, so we missed it. We did not know of the bank 's failure to credit the payment until XXXX, when a credit change notification arrive in my wife 's email box. Her credit score dropped by 60 points because of a delinquent mortgage payment. We called TD bank, and were told that they don't accept partial payments. I tried to explain that the bank had received its full mortgage principal and interest payment, which had not changed, but was short on the escrow, an account paid in advance by the way. The call center operator suggested I write the bank. I did. The bank took four paragraphs to say it had done nothing wrong. I beg to differ. As I said, the mortgage principal and interest amount did not change. And it was paid on time. A late, advanced escrow payment should not qualify for reporting a consumer late to a credit agency. This is outrageous behavior. And, TD had the nerve to charge us a {$67.00} late feel.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/19, I discovered fraudulent activity on my account. I called TD Bank customer service and reported it on the same day. However, TD Bank refused to reimburse me for the stolen funds. They have been rude and unyielding in their stance.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I Opened a TD Bank Checking Account online on XX/XX/2019. Account was immediately locked and required me to come into a branch to with my State ID to prove my identity. However because I was living in California at the time I couldnt go into a branch because TD bank doesnt have any branches in the state of California. I called to explain this multiple times over the course XXXX, XXXX and XXXX and each time a customer service rep would refuse to help me further. Because of this my locked account gained {$50.00} in service fees even though I wasnt able to use the account. The customer service reps refused to close my account or waive the fees. I was finally able to go visit NY in XX/XX/ 2019 in which I asked to close my account in a TD Branch ( XXXX and XXXX ). The Customer Service rep at the bank was also rude during this interaction and refused to help with me. He demanded that I pay the {$50.00} in service charge in cash so he could close the account. I had no choice but to do so or else my account would continue to gain fees. Through this whole experience not a single customer service rep was helpful and provided a terrible experience.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Opened account offering a {$300.00} bonus if DD of {$2500.00} or more in 60 days. Did this and waited a month past 95 days when it should have been credited. I have called 3 times and they just say they are emailing someone.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Target Red Card credit card account # : XXXX has fraudulent transactions/charges on the account. My Target was lost/stolen and all the charges and transactions on the account are fraudulent and unauthorized. Target is trying to hold me responsible for fraudulent and unauthorized charges on my Target Red Card account that dont belong to me and isnt my charges.
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had been paying my monthly mortgage payment ( ~ {$5500.00} ) on time. I generally schedule an electronic payment of {$5600.00} to be paid on the XX/XX/XXXX of each month. However, in XX/XX/XXXX TD Bank, after doing revised escrow calculations, increased the monthly mortgage amount. They say they sent me a letter informing of this ( which letter I have not received ). On XX/XX/XXXX, when I called TD Bank in response to a voice message they left for me, I was informed that the bank had not received my payment that was due on XX/XX/XXXX. I informed the person that I had paid {$5600.00} on XX/XX/XXXX already. I could also see the payment on their online portal and I also had an automated email that I had received from the bank with a confirmation number at the time I had scheduled the payment. The person was unable to locate this {$5600.00} payment even after a few minutes but explained that as a result of new escow calculations, my new payment amount as of XX/XX/XXXX was supposed to be {$5900.00} and that they had sent me a letter informing me of this ( which letter I did not receive ). He said he was guessing that since the full payment was not made, perhaps the system did not recognize the XXXX payment. In any case, I should pay the remaining {$310.00} and then things would be sorted out. I pointed out that I have also scheduled a {$5600.00} payment for XX/XX/XXXX. He said that in that case I should make an extra payment of {$620.00} ( not {$310.00} ) and that starting from XX/XX/XXXX, I should pay {$5900.00}. I asked if the bank was levying any fines on me, and he said if I would just pay {$620.00}, that is all that would be required. I then attempted to pay the {$620.00} for a date of XX/XX/XXXX but the request was rejected by TD Bank 's payment system -- it said there is already a payment scheduled for that date. So I was only able to schedule the payment of {$620.00} for XX/XX/XXXX ( the next business day ). To make doubly sure that this would settle things and to inform TD Bank that the payment of {$620.00} was only scheduled for XX/XX/XXXX ( and not XX/XX/XXXX ), I then called TD Bank again and reached the same person. He assured me that if I had scheduled the {$620.00} payment for XX/XX/XXXX, then everything would be fine and I did not owe anything else. There is a fine on the account of {$190.00} but he would request that it be taken off. I then wrote to TD Bank asking them to please communicate with me on email and provided my email details. They responded that this was not possible. ( This implies that this kind of lack of communication has a potential to happen in the future also ). After this, I found out on XX/XX/XXXX that TD Bank has reported to credit bureaus that my account is delinquent by {$190.00}. As a result, my credit score has plummeted. I hope this explains everything. I would also like to point out that : 1 ) TD Bank has charged me {$190.00} fine for a shortfall in payment of {$310.00} by 1 month. This is a hefty charge that is completely unjustified and completely unfair. They are gouging a customer because that fine amounts to 733 % p.a. which is exorbitant by any reasonable measure. 2 ) The bank continues to hold escrow and I am fairly sure that the escrow, on average, is more than {$310.00}. So it is not as if I was delinquent on the whole and that the bank need have worried about inability or unwillingness on my part to make a payment. 3 ) The continual inability of the bank to communicate using email does not help. 4 ) The process of setting up automated payments is cumbersome. It can not be done online. With my previous lender, I had authorized them to withdraw the necessary funds from my checking account, so this kind of issue never arose. I reached out to TD Bank with all of the above background and justification but they say they can not do anything. I would like to know how it is that TD Bank can get away with this kind of aggressive and unjustified behaviour, ruining my credit report in the process, all caused by communication problems. They lag other major banks like XXXX and XXXX on communication due to technological or other process issues and would like to charge me this exorbitant fees to cover up their own short-coming. How can the CFPB help?
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I used to have auto payment on my Target red card but after losing my job because my XXXX have tried repeatedly to STOP the auto payments. I have emailed, messaged them, written a letter and the last TWO months called them and demanded they STOP attempting to debit my checking account. They are causing MANY, MANY overdraft and return check fees. Last call, I recorded it and advised them I was doing so, they are STILL trying to debit my checking account for payments. I also told them I was in the process of filing bankruptcy and they had NO right to continue trying to charge me and not give me the option of stopping payments online ( because I can't it always tells me a payment is in process even though they have NO authorization to continued to do so. I want ALL debit fees/overdrafts and fees on their end reimbursed to me NOW!!! They are STEALING from me.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called TDBank credit card services on XX/XX/18 around XXXX to inquire about lowering my interest rate on my card Ive had for XXXX XXXX years. The first representative that answered my call stated that currently TDBANK does not offer any reduction in interest rates. After I explained Ive been a customer for 6 1/2 years and Ive made consistent payments the representative went on to say that TDBANK only lowers the interest after looking into the account and history and credit score. I explained that Ive never received an offer of any kind or message that they have looked into my account. She went on to say that they would offer me a lower credit if I had an increase in my credit score which I went on to tell her that I actually had a recent increase of 14pts and definitely have had an increase over the past 6 years. After going back and forth, I asked to speak to a supervisor. The supervisor came on and stated that TDBANK is currently offering no decreases any customers interest rates. I asked why then did the previous representative tell me that they look into the accounts and that i would get one if my credit score increased? She said that that was untrue and that the person must have been new. Its hard to tell whats true and whats not with all the misinformation. TDBank Was not only uneilking to work with me as a customer but worse was unable to give me accurate information regarding their policies around lowering interest rates. Ive called in the past as well and they told me to look out for promotions in the mail regarding lowering my interest. I have yet to receive anything in the mail for 6 years.
Company Response:
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A