Date Received: 2019-08-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my TD { in } convenience account under these " Terms '' online on XX/XX/2019 from the OFFICIAL TD BANK website for a {$150.00} promo they had going on at that time : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. '' Wait time was " no later than 95 days '' as per the terms. A month and a half after 95 days i sent them an email stating " Hello, I opened my account back when the {$150.00} promo was going on, it feels like its been over 125 days already. Any updates? Thanks. '' To make a long story short, this was their reply " Good afternoon, XXXX. Thank you for contacting us today about a recent promotion. We apologize for any confusion, XXXX. We had 2 types of promotions running when you opened your account. One was a mailed offer and one was available in Ads on sites that were not www.tdbank.com. Our promotions department reviewed how your account was opened and we show that you used a promotional link from one of our mailed promotions instead of an Ad link from another website. As we did not send a promotional mailer to your address in your name, you were not eligible to use the promotional link provided on our mailers to apply for the {$150.00} bonus. '' Mind you, I found this promo ONLINE, I didn't even know they had a mailer for that.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
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: I made my Car payment for XXXX and XX/XX/2018 at the same time and TD AUTO FINANCE did not apply my payment for XXXX and placed a late payment on my credit report.
Company Response:
State: CA
Zip: 93725
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: For over 15 years, I have been a TD Bank customer, the past 9 years I have been living and working in XXXX, GA. Prior to that I had a visited branches in NJ, NY and ME. For the past 5 years, I have only used TD Bank online and have not been into a TD Branch as there wasnt a branch even remotely close to my Georgia address. In XX/XX/XXXX, I moved abroad ( XXXX, XXXX ) with my Company, and received a new mobile number and am now at my new address. I am experiencing the following issues : - The online system does not recognize the computer Im logging in from, and requires a text with a code be sent to my disconnected cell phone number in order to authenticate the login credentials ( user ID and Password ) that Ive been using continuously these past years. As Im unable to validate my credentials using my old cell number, TD Bank will not allow me to log into my account. - When I call the Customer Service Center I am asked to provide my Branch Password, it has been explained to me that this is the password I use at the branch I go to, I explain that I havent been to a branch in years and am told that the only way I can unlock my account, change my phone numbers, update my address or really accomplish anything is by going to a branch. I have escalated this up to a supervisor multiple times and am told different things each time, but it always ends with I have to go to a branch. Since XX/XX/XXXX, TD Bank has locked me out of my accounts, with no way to regain access other than to visit a branch on the XXXX XXXX of the United States. I dont plan to travel back to the United States until the Summer of XXXX, even then I will only be on the XXXX XXXX without access to a branch. Please provide instruction/direction on how to regain access to my accounts.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Company Response:
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Company Response:
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is an additional complaint in connection to a previous complaint # XXXX about TD Bank. Since the previous complaint, more issues have arisen with lack of communication and professional responsibility. In XXXX of 2019, we faxed the required forms and supporting documents to TDBank for probably the third or fourth time. Then they sent us a letter once again saying we were missing a form for XXXX XXXX. Thus, we completed and faxed that form with another set of copies of the supporting documents. XX/XX/2019 we received a letter from XXXX XXXX ext. XXXX of TDBank 's Loss Mitigation Dept. stating that they had everything and would be reviewing our loan modification. Then, THREE TIMES after, we received letters from TDBank stating that they still needed our tax forms and my husband 's P and L from his business that we had already given to them. We kept resending them to no avail. By the third letter, which included a letter from their lawyers, XXXX XXXX, on XX/XX/XXXX, I decided to call their paralegal XXXX XXXX to find out what was going on. She clarified that TDBank needed XXXX to complete their P and L form, because they couldn't understand his. If this had been clearly communicated before, we wouldn't have had to send the same things out multiple times. ( If you refer to our past complaint, this is an example of a constant issue. ) XXXX got everything over to XXXX through an email, and she clarified that she received it and would let us know if anything else was necessary. We have waited since XXXX to hear the outcome. In the process, on XX/XX/XXXX, we received a packet stating how much we were in arrears and that we would be perfect candidates to apply for a loan modification within 60 days!! Which made absolutely no sense, whereas we were currently waiting to hear about the results of our application already. XXXX XXXX, our HUD Advisor at XXXX XXXX XXXX attempted to call TDBank at the beginning of XXXX to get some clarification, but was not able to get through to anyone. ( This is another example of the issues that have constantly been occurring. ) I finally called on XX/XX/2019 since we hadn't heard anything. I spoke with XXXX XXXX XXXX # XXXX. She stated that we were denied, because XXXX XXXX felt the payments would be too high. She couldn't explain why we didn't receive notification, or why we got the packet on XX/XX/XXXX. I explained to her that if this had been solved 5 years ago, and if TDBank would accept payments from us this entire time, it would not be this extreme and the amount would not be so high. On paper, it looks like we haven't tried to pay anything and are at least {$90000.00} in arrears. TDBank refuses to take any payments unless it is the entire amount, and they have set us up to fail over the past 5 to 6 years. We just want to pay our mortgage, and eventually own our home.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2019, I opened up a checking account with TD Bank. If I met certain requirements, I would receive a {$300.00} bonus. This was an offer where you needed to open the account online. When I tried, I couldnt so I called. The representative on the phone implied that I may have had an account with TD in the past ( which I didn't ), and transferred me to someone else who confirmed that Ive never had an account with TD. He then transferred me back to the department that could open the account, but also gave me the option of going in a branch and opening the account. I asked would I still be eligible for the bonus and he said yes. So I went into a branch and opened the account. I confirmed with the banker that I would be eligible for the bonus even though I was opening the account in the branch. To my understanding, the bonus was to be deposited into the account no later than 95 days after the account being opened. When I hadnt received the bonus, I called customer service and a lady said that she would email another department and to call back in a few days. She also suggested going into the branch. So I went into the branch and the banker said a manager would give me a call. I never received a call. I called customer service 1 or 2 more times and the customer service never received an email back from the lady that sent it. The last time, a representative said that the requirements were that it would be deposited to my account within 120 days of opening the account. I didn't believe it was 120 days, but I said I would wait to see what happens. Today is the 121st day and I haven't received the bonus so Im filing this complaint because I don't think I will get anywhere trying to speak with TD again.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had interest charged to my account after I paid the full amount due, after which a {$1.00} interest charge was added to my account, unbeknownst to me. As such, when the next billing cycle came around that {$1.00} was still due, thus taking it over the 30 day mark and the Target Card Corp. reported that to all three credit bureaus. They reported it initially as {$100.00} past due, then it changed to {$1.00} past due. I filed a dispute with XXXX and the result was Target Card updated the late amount to {$28.00}. If they MUST report it, the correct amount should be reflected which is the {$1.00} interest charge. I think it should be against reporting policy to report any amount under {$100.00}, this {$1.00} reporting has dropped my credit score down several points ( 20 ), this is unacceptable. I have since paid the account in full, and closed my Target Card, and will never shop at this store again because of this! This is not okay and should be removed from my credit file, if not removed updated to reflect accurately information. Mind you the credit limit on this card was a nominal {$300.00}
Company Response:
State: IN
Zip: 46256
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: TD Bank representatives and supervisors refused to tell my how would my payment to a credit card account be allocated ( purchases, balance transfers, etc ). They say that the allocation can only be disclosed top me AFTER I make the payment. They even refuse to tell me what will be the allocation of the payment part that exceeds the required minimum payment. I called TD Bank at : XXXX. The representative I spoke to identified herself as XXXX, her supervisors were XXXX and XXXX. The address given is : TD Bank Marketing Department XXXX. XXXX XXXX XXXX, Maine XXXX
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was sent a letter stating my account had been closed due to return checks. I was told when I called your customer service department in mid-XX/XX/XXXX that my account was under a security alert as someone had compromised my account and they had placed a security hold on my account. Once I found this information out I stopped the checks as I thought my account had been compromised. I later get a letter stating my account was closed due to the checks being stopped yet I never got a letter, call or email as to why my account had a security hold and the explanation of such. I took action as anyone who thinks there account has been compromised. I always have made my payments on time. Even now I have made each payment requested. I want my account re-opened as I was never informed or given an explanation as to why my account had a security hold and what a security hold was. I simply took it as someone had compromised my account and acted accordingly. Please review this letter and statement so as to re-open my account.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A