Date Received: 2019-10-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Opened an account with TD bank and I noticed i was been charged a service fee of {$10.00} that i shouldn't have been charged. i notified td and they told me they were going to fix it, This was 3 three years ago. I have called several time to get this issue resolved and they say the same thing we are going to fix it. I went to the branch in XXXX and they lady told me to go to the branch that i opened the account, that she can't do anything. i called to file a complaint and the lady on the phone placed me on old and hanged up. I finally got to speak to XXXX on XX/XX/2019 at XXXX and she said its not the banks fault and that she couldn't do anything about crediting me back my fees but she was going to fix it and get back to me. I told her that that was what the last person i spoke to said in XX/XX/XXXX of this year. it was funny when she told me that she was the one i spoke to back in XX/XX/XXXX, and she was not sure why the issue was not fixed, and that she will look into it.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I attempted to use my Target Card Card ( issued by TD Bank ) and was declined. I called the company and they said that I was close to my credit limit of {$2500.00}. I offered to pay down the bill, but they were unwilling to take my payment. They said that their system could not " see '' my more recent charges and that they would not accept payment. I does not seem fair or legal that a credit card company would tell me I had a high enough balance that I was unable to spend, but at the same time that they would not take my payment for money I owe them.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My issue started with an overdrawn balance of XXXX on the XX/XX/2019. I was not aware of the issue until receiving a correspondence form TD Bank in the US mail, that my account was overdrawn. The letter informed me that the account was overdrawn and a fee of {$35.00} was assessed on XXXX. I then deposited {$140.00} on XX/XX/2019. I was surprised that the account was still negative ( XXXX ) I then deposited an additional {$100.00} for a total of {$240.00}. however, my balance was reflecting {$90.00}. At XXXX XXXX I was able to speak to a platform clerk. He was able to help with reversing one overdraft fee of {$35.00}, a maintenance fee of {$15.00} and a paper statement fee of {$1.00}. He suggested that I speak to the manager of the branch., who would be available later in the day. I returned later on the XXXX but the manager was not available. I then came back the following day on XX/XX/XXXX again the manager was unavailable and the person on the platform would need an override key. I then went again yesterday XX/XX/2019 spoke with the manager, who agreed to credit half the fees and made it sound like she was doing me a huge favor. Subsequently, I was able to get online access and could see that I was accessed an overdraft fee on XX/XX/2019 and again on XX/XX/2019. I am irritated that a XXXX negative balance has morphed into {$280.00} of overdraft fees and a {$15.00} maintenance fee for being below {$100.00}. The bank is engaging in unfair and deceptive practices. I am attaching the account activity from XX/XX/XXXX XX/XX/2019and attaching an image of my account being accessed an overdraft fee today XX/XX/2019.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: All three credit reporting companies are reporting my last car payment to TD Auto reflects XX/XX/2019. I have payments in XXXX, XXXX, XXXX, and XXXX, 2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit scorXXXX!!
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Towards the end of XX/XX/2019, I had needed funds to prepare for Hurricane Dorian. The hurricane actually hit our city which my home and other relatives in the area. The funds were necessary for the preparation, cleanup and repair of damages experienced during this storm. This was the main reason as to why I could not maintain the {$20000.00} balance requirement of this savings product. I had pleaded with TD Bank to provide some leniency in their " monthly maintenance fees '' that were applied to my TD Bank Select Savings Rate Bump account for XX/XX/XXXX and XX/XX/2019. After four phone conversations, six in person interactions and a discussion with their social media relations team, I had enough and decided that their response was not only inadequate, but truly spiteful. Despite being a TD Bank customer for some time and had a sizeable amount of funds in the account in that time, there was not an ounce of sincerity or kindness in their actions towards me. Time after time again, the bank refused to waive the fees and actually ridiculed my decision to take out these funds to repair damage caused by the hurricane. Two fees are in question with this complaint : 1. XX/XX/2019 : a fee of " {$14.00} '' described as a " Maintenance Fee ''. 2. XX/XX/2019 : a fee of " {$14.00} '' described as a " Maintenance Fee. '' The bank provided no timely guidance to me as ( 1 ) how to switch over to a different product that would have lower minimum balance requirements ; ( 2 ) provide any guidance for how to refund or waive these " maintenance fees '' and ( 3 ) failed to assist with resolving my concerns, despite numerous attempts of reaching out to them.
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Other service problem
Subissue:
Consumer Complaint: My husband and I are both minorities and have been loyal customers to TD bank for a number of years. The branch on XXXX XXXX and XXXX in XXXX, PA has always shown some form of discrimination against us whenever we use the drive through services. On every single encounter, we are not served in the order we arrive, we are always asked for extra verification and information that isnt required of neighboring clients that arrive after us ( that happen to be XXXX ), and our wait time is always between 15-20mins for simple transactions. We never have issues at any of the other branches we go to. This branch needs to seriously reevaluate its employees and review its discrimination policies, especially to those who work the drive through area.
Company Response:
State: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Since XX/XX/2019, I have been requesting to have Nordstrom card services change bill due date. And there have been excuse after excuse from the company as to why it cant be changed on that particular date but to call back. As the bill gets paid, there are late fees that keep being assessed to the account, though the date is supposed to be able to be changed for the due date.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a claim on my Credit saying I owe a Target {$430.00} for a false account I never opened. I will take legal action against Target if this is not cleared immediately. I believe my identity has been stolen.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Company did not provide notice required by California code 1788.52 ( d ) ( 1 ) when it posted a transaction on the account under the auspice of an adjustment. The company is attempting to change the statute of limitation on this account.
Company Response:
State: CA
Zip: 92506
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Respected sir My credit card and ID were used to purchase a play station without my approval. TD bank ruined my credit by jacking up the price to XXXX $ which was never the correct amount.
Company Response:
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A