Date Received: 2023-09-05
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XXXX XXXX charges me XXXX per month for XXXX XXXX premium care since XXXX. They send me a monthly email stating that I should contact XXXX XXXX if I have a problem with my phone. I cracked my screen at the end of XXXX and requested repair. XXXX XXXX XXXX refused coverage. they have claimed that I do not have XXXX XXXX. I have learned that XXXX XXXX actually only cost {$8.00} per month to repair phone. The damage to my phone has gotten worse because they will not authorize repair. I registered my phone with XXXX and they continued to charge me but now claim that I have no coverage.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act, this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I want these items deleted because I didnt authorize the transactions
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I signed up for Raymour and Flanagan 's Financing ; however, TD Bank has not sent me a single statement or letter about my new account. I am not able to register for a new online account. I don't know how to check my balance because I have neither a paper statement nor an online account. The welcome email from Raymour and Flanagan does not give me any information about my new account, such as account number and account balance. The link on the website does not go to a page where I can check my account details. The website for password reset does not recognize my social security number and birthdate.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased Furniture from " Raymour and Flanigan '' store. Store offered me interest free with their financial tie up with TD Bank to provide this finance. This tie up not only simple payment for the furniture purchased, but opens the credit card account. Furniture sales guy said initially that this can be paid of in 36 months without penalty or interest and I agreed to it. However, when i went to back after two days for final purchase they opened account with one year term interest free. Since I verbally discussed for 36 months i simply signed on the documents. It seems they changed term from 36 to 12 months which i didn't notice when i signed the document. The signed document also doesn't mention the percentage of interest, rather it states that standard APR. I had no clue what the standard APR is and no one explained to me. I did setup automatic payment from my bank checking account to pay this TD Bank card as soon as i received my first payment and never defaulted on this. Loan amount is XXXX XXXXXXXX XXXX, this should pay in 36 months if paid monthly XXXX XXXXXXXX XXXX. TD Bank autopayment setup gives an option as Minimum amount ( XXXX XXXX XXXX ) and i simply selected that option and their website has to dig deeper to choose any other option, found this in recent conversation with their customer rep. I opened account on XX/XX/XXXX. However, TD Bank charged me interest of XXXX XXXX XXXX of interest on XXXX XXXX of purchase at the end of one year. TD Bank never sent me paper notification or email about my term 12 months is approaching to pay off entire balance amount or else interest will be charged. The only email has been coming to me is that " statement is available '' without any details like fee or interest or balance. I logged into TD bank online account on XX/XX/XXXX only ( after initial setup in XX/XX/XXXX ) to see verify the balance on this account, then i was surprised to see these silent interest charges thousands of dollars ( from XX/XX/XXXX ) and on going monthly charges XXXX XXXX XXXX. Till now they charged XXXX XXXX of interest on XXXX XXXX XXXX of furniture purchase. This is a financial fraud and charging silently on the account without sending notification ( Call or Mail ) to customers. If it is an email, email body should clearly communicate the interest charges and warning ahead at least one month ahead of interest charges those will come into effect to the account. This is the biggest financial fraud i have ever encountered. I am very responsible citizen with Exceptional credit score, this fraud setup between Furniture and Bank is confusing customers without clear communication on APR, Warning on interest charges and no clear communication when charged account. Please help me to resolve, so that i can pay principal balance and close account.
Company Response:
State: NJ
Zip: 07054
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I signed up for a TD bank acccount. I signed for a checking account and a savings account. there was a {$200.00} promotion for each account equaling {$400.00} dollars. I was told i met the promotion requirements but i have not received the funds due to the fact that due to " system outage '' that was XX/XX/2023. I was told to wait two to three weeks and now i am still being told there is a system outage.
Company Response:
State: PA
Zip: 19135
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XXXX has a inquiry on my under my name & social security number. I did not apply for XXXX XXXX. I contacted them with XXXX & notified them it was identity theft and to please remove it from my credit report. As of today it is still showing on my credit report as a inquiry.
Company Response:
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: XX/XX/XXXX my cell phone was stolen. I immediately reported this to the bank and to the police. Today XX/XX/XXXX I received a letter from TD Bank stating that they didnt find 2 transactions fraudulent and that I would have to pay it. The two transactions were 2 {$800.00} XXXX XXXX balance add XXXX. TD Bank sent me back the money immediately after it posted, but today I just got a letter saying they didnt detect fraud and will be taking the {$1600.00} back on XX/XX/XXXX. I have a police report I filed on XX/XX/XXXX about my phone and money being stolen.
Company Response:
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On Monday XX/XX/2023 I reached out to TD bank to inform them that someone has used my card in a fraudulent activity and informed them which transaction it was. The next day I wake up to both my business and my personal account are locked and I have no access to any of them. I called TD customer Service, they told me that I had to visit a branch. I went to a TD branch for 5 days in a row on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I sat and waited to see someone for over an hour each visit and each visit no one helped me get an answer of why my accounts are being closed, all they kept telling me they dont have the reason why TD back office is closing my account, and my funds are being held, every time I called the fraud department they told me the same thing and told me they dont know why my accounts are closed and that I have to visit a branch to find out why, I keep going in circles with them, I need my funds released to me, its my money, I worked hard for that money and I have bills to pay, my personal should have at least {$1300.00} and my business account should have at least {$49000.00} Im tired of wasting hours at the bank fighting for my money. I was told on XX/XX/2023 that I can come in to the branch on XX/XX/2023 and close my accounts and they will give me my funds, I did what I was told and when I finally got to speak to the branch manager she tells me I cant close my account because the bank is holding my money. Every day its been a different excuse and Im getting tired of fighting to get my money, please I need help getting my money. Thank you
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To : TD BANK USA, N.A. ( Target ) and TD BANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A