Date Received: 2019-08-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I made a merchant dispute with TD Bank in XX/XX/XXXX and received provisional credit. On XX/XX/19 part of the provisional credit was removed 56 business days after the dispute was opened. The portion of the dispute that was taken back by the bank caused my account to go negative, the bank then charges me an overdraft fee of XXXX dollars although the XXXX dollar fee was not associated to when i received the provisional credit. The bank told me that they could charge me the XXXX fee although the account going negative was a direct cause of them removing the provisional credit, my account had a positive balance before hand. I find this type of business to be unethical and fraudulent. This is an excessive fee!
Company Response:
State: NY
Zip: 12020
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: 2019-08-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: TD Bank 's new attempts to assess {$35.00} overdraft fees based on a lapse in time of funds in an account on the same day versus the old banking practice of being negative overnight is anti - consumer to the extreme and MUST be stopped. Those of us XXXX XXXX know all banks books need to be balanced to -XXXX- at the end of each day. A bank is never truly at a loss even in typical cases of overdrafts lingering on overnight or for days. But, TD trying to say a loss has occurred within minutes or hours is absolutely horrific. Can us consumers be raped and pillaged even more by this egregious banking system? Congress or whomever really needs to nip this TD policy in the bud. It is not acceptable whatsoever.
Company Response:
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: have been a Nordstrom customer for more than 10 years and a Nordstrom credit card holder since 2015 this past week they restricted my account and asked me to send a copy of my Drivers License, SS #, Utility Bill which I complied, Today I called Nordstrom Card Services and talked to a really rude lady to tell me whoever reviewed my documents can not verify them this is something I have never heard before at the beginning of this month I applied for the XXXX Card and they asked me to scan my license and verified on the spot how a person can not do the verification with the documents on hand? This has been one of the most frustrating experiences I have ever had with a credit card account and they are really rude and not even attempting to help at all.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On Saturday XX/XX/XXXX I received a XXXX XXXX email asking me if a purposely closed my TS Bank Credit Card. I immediately called TD Card Services and I was told that my account was closed because it had not been used. I explained that I purposely kept the card at XXXX balance and as an emergency credit card, once I paid off the previous balance. The account representative asked if I wanted her to re-open the account and I said yes. The representative said the credit card was re-opened and that I need to use it to make sure it is not closed. At an appointment on XX/XX/XXXX, to get my eyebrows done, I went to use the card and was humiliated because the transaction was declined. I immediately called TD Card Services and asked why my transaction was declined and I was told " we stopped use of your card because your mailings show I moved. I explained that all correspondence was supposed to be done through email and nothing is supposed to be mailed! I also stated that I used the mobile app to update my address and I was told " the Card Services did not get that update '' The account representative confirmed and updated my contact information for Card Services and was told I was ok to use my card. In XXXX I called to confirm the card I had was still having problems and showing closed in my credit history. I explained this closure drastically damaged my credit/FICO score and I am still waiting on them to correct the account being closed. This time I was told by the account representative that my card was never activated again in XXXX and the previous representatives were incorrect in the actions provided. I escalated this to a supervisor who then stated that they showed no calls from me asking to keep my card active and asked to re-apply to have my credit card opened again. I asked why do I need to re-apply for a card that you should never have closed. I have an active checking account and line of credit so I am not understanding why TD Bank would purposely close my good standing credit card account! They did not call me or email me knowing that I purposely checked to have nothing physically mailed to me. I have complained to TD Bank about their practices after realizing that they purposely marked my line of credit and my credit card with a late fee in XX/XX/XXXX. When I called to correct no late payments, I was then told that my line of credit showed me late for a payment. In reviewing the line of credit payments, it seems that even though I made multiple payments, using the mobile app, double payments did not count for XX/XX/XXXX and TD Bank would correct the late payment in my credit history. After a few months, I called back and was told that I was given incorrect information and no correction was going to be made, despite no history of previous or late payments afterwards. It is my belief that TD Bank is targeting and purposely destroying my credit history in an attempt to force me to use their credit card for high profit gain on interest and service fees. I have had a XXXX XXXX account ( before it they acquired XXXX XXXX Bank ) since XXXX with no issues. Since losing my XXXX year daughter to XXXX in XXXX, I opened a TD Bank account to alleviate some despair of related memories. To date, my XXXX XXXX XXXX has never faulted nor had XXXX XXXX ever closed my accounts.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off my auto loan with TD AutoFinance in XX/XX/2019. They did not send the title documents then. I contacted them on XX/XX/2019 to get the title documents. They told me that they would overnight the title documents to me and that I should have them by XX/XX/2019. On XX/XX/2019 I contacted them again to find out where the documents were. They told me that XXXX wouldn't deliver to my address. Note, XXXX regularly delivers packages to my address. They did not contact me and did not deliver my documents. I called again on XX/XX/2019, they still had not mailed or used XXXX to deliver my documents. They did not know how long it would take to send my documents. They told me that they were very busy and my information was " in line ''
Company Response:
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have an account with TD bank. On XX/XX/2019 my debit card went missing after I made a purchase at a restaurant. The server left after I made the purchase, and I couldn't find my card. My friend that was with me took me home after the incident. I called TD, and reported my card stolen. They informed me that several withdraws had been made. I did not authorize my card, and I didn't give permission for anyone to use my card. It was later found that morning when TD opened by my friends apartment, and not where the withdraws were made. I believe that my friend was the one who took my card. She was with me when I made a purchase, and I think she saw my code when I didn't know she was looking. The total amount was {$760.00}. I went to the bank as soon as the bank opened in the morning to make a claim, and they said I needed to get a police report. I made a police report, and then they wanted me to get a subpoena. I got the subpoena, and it was faxed in on XX/XX/2019. I have been jumping through hoops, and doing everything I can to get this footage of the person using my debit card at the ATM, and I would like to know who it was.
Company Response:
State: IN
Zip: 47630
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: OnXX/XX/2019 I approached XXXX XXXX from XXXX to cancel both my parents membership ( membership # XXXX and # XXXX ). I asked for the total due at the moment of cancellation and they said it was {$21.00} per membership. OnXX/XX/2019 I was charged {$45.00} for each membership without my authorization. I talked to a representative of the gym and they said they were charging annual manteinance fees which I wasn't told at the moment I cancelled the memberships. Even the invoices they gave me said the annual fee was {$0.00} and that total due was {$21.00}. They denied to refund me my money, so I disputed the charges with my bank. The first time the bank denied the dispute because they said I had a relation with the gym, which I then disputed again because it wasn't my membership. Today XX/XX/2019 I received a letter from the bank saying they denied again because I have to resolve the issue with the merchant, when I specifically told them the merchant denied to refund me the money. So they are giving me two different answers which I think it is just an excuse to not give me back the money XXXX took from my account without my authorization. Furthermore, if the gym wanted to charge pending fees they should have charged them to both my parents ' credit cards, since they registered themselves to the gym with their own credit cards. Since they were no longer in the country I went myself to cancel their memberships as a favor and paid with my own card while the gym still had their credit cards information.
Company Response:
State: NY
Zip: 11237
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: All happened in a 3 day span. My sister was letting me borrow {$5000.00} to get out of credit card debt and we were using XXXX to transfer money from her and her husbands bank account to mine. The first transfer happened on Friday, XX/XX/XXXX for the amount of {$2000.00}. I quickly paid that {$2000.00}. That posted on Monday XX/XX/XXXX. She attempted to send me {$2000.00}, and I saw it go through to my bank, but it bounced back because her bank thought it could be fraudulent. When that payment came in, I payed my card off immediately and this overdrew my account. TD Bank has a XXXX dollar overdraft fee and proceeded to charge me {$140.00} in overdraft fees and 14 maintenance fee for going under 100 $ balance. My account was back in the green Monday when my sister retransferred the {$2000.00}. When I spoke with the bank, they returned 2 overdrafts for {$70.00} on Wednesday, XX/XX/XXXX and said because it wasn't there bank that caused the error they wouldn't return anymore of the funds. They justified four overdraft fees because XXXX pulled 3 transactions from account on Sunday the XX/XX/XXXX for the amounts of {$11.00}, {$9.00} and {$1.00}. Each getting its own overdraft fee. As I am trying to pay off debt, my corporate bank has fined me {$84.00} for a banking error that occurred when my sister attempted to send me money. Simply put my bank stole from me. I hope there is something you can do. I went to my bank and said I understand what happened and am willing to accept a {$35.00} overdraft fee, but they did not care. XX/XX/XXXX is the month I leave TDBANK, a bank that use to be amazing and is now huge and stealing from the people.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I contacted Target RedCard services on XX/XX/XXXX due to my account being past due. The agent that I spoke with offered me an arrangement to avoid being 30 days late and also bringing my one payment current. I agreed at the time because I was unsure of my circumstances. I called back on XX/XX/XXXX to cancel the plan and was told that I could not be taken off of this payment plan until I paid the balance off. This was never told to me and had it been I would have never agreed to this plan. I spoke to a supervisor by the name of XXXX, who continued to interrupt me, and finally after being frustrated I just hung up. I also received an email about the terms and conditions and nowhere in it states that I must remain on this payment plan for 12 months and not have use of the card. This is illegal.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A