Date Received: 2019-07-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have asked for a paper copy of our escrow analysis through tdbank. I was told it would be mailed as I can not access the information online to see how our overage was calculated for that year. It was never mailed to me. I was told 3-5 business days. I called back a couple months later ( today ) and they told me it was mailed on XX/XX/XXXX. I asked if they could send me proof of this they said no but they would mail it again. I also asked if I could access this information online, I was told they could not email it and it is not available through their online banking platform. I would like information on my own money that is being held in their account and they make interest off of by precollecting it. I believe this information is being withheld. XXXX who I spoke to said she would mail it again. I asked to speak to a supervisor and was on hold for an hour and never spoke to anyone. I just want the information I am requesting. I am getting their paper statements for my mortgage bill each month in the mail and confirmed the correct mailing address. I believe this information is being withheld so the bank can collect a little extra interest in my escrow account each year. I would like help in getting the information on paper and in writing.
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have done complaints about the fraud and financial deceit done by TD Bank here. In response to the most recant response by TD Bank I would say the following. They try to convolute and direct attention from the simple and unavoidable reality that they ( TD Bank ) fraudulently try to maximize fees and overdraft expenses with customers through the following methods. These methods are clear when you read between the lines and the diversionary information given by TD Bank in last response or namely. 1. TD Bank still has not denied what they previously said which is that they ( TD ) process larger transactions first before processing smaller ones. This is a clear policy designed to maximize small transaction overdrafts that are more multiple. By design they try and maximize. 2. TD Bank said that they give balances and pending information the following day. This simple and clearly says that at all times when someone either calls TD Bank, checks online or through other means the balance is likely to not be accurate. No distinction between balance, pending, and processing or basically no way to determine if costly overdraft would be used by consumer. 3. TD Bank intentionally and with though charges annual fees and even withhold temporarily monthly interest payments during times wherein several large transactions are pending and possibly large overdraft fees. The above is observation from investigating and talking to many other customers that are considering a class action lawsuit against TD Bank. As for me now, I did a fraud dispute for over {$2000.00} in fraud card transactions that TD Basnk never addressed but lied and said they did in 2014 and TD Bank most recently received a letter I mailed to them with tracking to their fraud department and it arrived over a week ago and several days before TD Banks most recant response and they don't report it. I want answers there on the fraud transaction and recant submission I did with TD Bank.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For Years, Ive had an escrow account with T D Bank to pay my real estate taxes and homeowners insurance in XX/XX/XXXX. I was notified in XX/XX/XXXX by T D Bank that I had no Insurance ( not true ) and they will provide their insurance at an additional {$2000.00}. I called my broker and he said my policy was going to lapse if it was not paid ion 7 days. It turns out, T D bank never released the funds. I thought I had it straightened out so I paid my broker with a credit card and he will reimburse me when the payment in full comes form T D Bank. It never came and then I received a notice of cancellation for non payment. T D bank appoligized and turns out they only made a partial payment that was due at the moment. I got another notice of cancelation and I paid the balance in full. Along the way of trying to resolve this I signed a form for T D Bank to stop taking money from my checking account to the escrow account andI will pay my insurance next year on may own and to refund me the difference that they never paid this year. They continue to keep my money and they are still deducting money from my checking account for my next years insurance premium. Once again, XX/XX/XXXX, ( see letter from XXXX XXXX ) I tried to get this straightened out and Im told, I will receive a full refund of non paid premiums and any deduction for payment for XX/XX/XXXX within 3 business days. No Refund and another deduction in my account for XX/XX/XXXX towards the XX/XX/XXXX Policy They are stealing my money, lying about refunding it to me. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: THIS ACCOUNT WAS OPENED FRAUDULENT.
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TD Bank Card Services. On XX/XX/2019, Credit Card was reported to Bank as Lost/Stolen. Upon further review charges from XXXX on XX/XX/2019 for {$170.00} and XXXX for {$150.00} were charged to my account. TD Card Services was alerted that these charges were not made by me and my card was reported lost/stolen. TD Card Services refuses to credit these unauthorized charges and will not provide any documentation of what the charges were for.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2019-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: This issue concerns a Target REDcard credit card that gets fairly infrequent use. After paying off the account balance in XXXX, as I do each month when the card is used, an additional transaction posted, payment for which was evidently due in early XXXX. No statement was ever delivered to that effect. No late notice was delivered. No phone or postal mail correspondence followed up on this balance. On XX/XX/XXXX, Target reported a past due balance of around {$110.00} ( {$70.00} of which is late fees ) to the credit bureaus. When I immediately paid the balance and inquired as to why they had sent no email statement and had not followed up with an email reminder, postal mail statement, or phone call prior to reporting to a credit bureau, the customer service agent said ( 1 ) that they are not required to deliver statements and ( 2 ) that they are required to report past due accounts to credit bureaus and can not then undo the report. Neither of these is true. When I reminded them of their obligations under the Regulation Z dispute process, they declined to take action and instead suggested I call ( the law requires written notice of the dispute, which I have provided ). I acknowledge the underlying {$40.00} transaction as legitimate. However, with more than 10 years of on time payment history, the only reason this was not paid is because no statement was ever delivered. Their total failure to follow up is debt parking, and while that practice may not be illegal, the customer service response that lies about the law is completely outrageous. They are required under 12 CFR 1026 to deliver statements, and no creditor is required to report late payments ( or prohibited from correcting errors ). The idea that an 11-year account holder should take a hit on a credit report that will last for years because of a {$40.00} purchase that was never properly billed, and for which absolutely no effort was made to collect prior to reporting as delinquent, is a black mark on Target for allowing their card servicer to behave in such a customer-hostile manner.
Company Response:
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had a minimum payment of {$27.00} due on XX/XX/2019. I paid {$27.00} via my online account, deducting from my checking account on XX/XX/2019. This {$27.00} payment cleared my bank on XX/XX/2019. I verified with my bank that the funds had been paid out. I logged into my credit account online to check my available credit on XX/XX/2019. The payment was still pending due to it being the weekend and not a weekly business day. I called card services and spoke with a representative who explained this to me and advised me that the payment would reflect on that following Monday, XX/XX/2019. Once this happened, my available credit limit would update. I logged into my credit account online again on Wednesday, XX/XX/2019 and the {$27.00} e-payment does reflect as being paid on XX/XX/2019. However, my available credit limit had not changed. I contacted card services again on XX/XX/2019 and spoke first with a representative and then a supervisor. Both of these individuals told me that the {$27.00} payment had been received but had not yet been posted. The explanation provided to me was that, because several months prior a payment was returned, and therefore this current payment would not be posted to my account until I gave them permission to contact my bank directly. ( The returned payment was resolved within days of the first returned payment. I also paid the fee due to that occurrence. ) I refused to do so because I felt they had no right to contact my bank to discuss my personal bank account. The supervisor I spoke with stated that unless I allowed them to do so, the payment would not be posted to my account. She stated that the payment may eventually post, at least 14 days from that date, XX/XX/2019. I reviewed the credit card agreement online which states : " You agree to pay us in United States dollars. If you pay by check, your check must be drawn on a depository institution located in the United States. If you do not pay the New Balance in full, you agree to pay by your Payment Due Date at least the Minimum Payment Due. You may, at any time, pay the total amount owing on your Account. Payments are posted to your Account in a timely manner as required by law. However, we may delay restoring your available Credit Limit in the amount of the payment to make sure we receive the funds. '' I contacted my bank again to inquire about the credit card company 's demands to have access to discussing my bank account. The bank representative stated that this rarely occurs, only on a 3-way phone call, and that she personally had never heard of it happening for a {$27.00} payment. My concern is not only with the questionable delay in posting my payment, which both my bank and the credit card company acknowledge to have been cleared, but also with the fact that the agreement does not put a specific number of days regarding " ... delay restoring your available credit limit ... '' Seemingly, they could delay this restoration for as long as they want. That is extremely worrisome to me. I have continued in refusing the credit card company to contact my bank ; to threaten me by stating they will not post the payment unless I give them this permission is absurd. I don't know what else to do with this problem. It has become a much larger issue than just the {$27.00} at this point.
Company Response:
State: IA
Zip: 52240
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: TD bank credit Cash card credit limit was decreased on me unexpectedly. I have been having so many issues with TD Bank 's credit cards. I have been a loyal customer since TD Bank was XXXX XXXX. I have always paid my card on time also and have had decent credit. On XX/XX/XXXX TD Bank sent a letter to me stating that they are decreasing my credit limit by thousands of dollars. To make it worse, they Closed it the same day as the they sent the letter, not giving me any time to respond to it without them already lowering my limit! I didn't receive the letter until XX/XX/XXXX! This is not the first time TD decreased or messed with my credit limits. They cancelled a card a few months ago and I had to make a complaint with you guys. Then they admitted their fault and fixed it. Again, they are trying to hurt me. Instead of canceling the card this time, they think they can get away with lowering my limit unexpectedly, without notice or opportunity to respond. This is completely not fair and again I am requesting you investigate TD Bank Credit Card services. I want my credit limit back and not only back but increased since I have asked for increased limited before and or line of credit and was denied. Again I have NEVER been late with payments.. They make money off interest from me.. Makes no sense and is not fair and fraudulent in my mind as to what they do. I hope you can help me. Thank you for your time again.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard Incuries were reportedto my credit report without my authorization or knowledge. The customer service would not help take care of the negative inquiries reporting on my credit report.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not recognize any of the companies the inquired my credit.
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A