Date Received: 2019-06-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX TD BANK Acct # XXXX {$100.00} Reversal charge I am in the middle of changing banks from TD XXXX XXXX to XXXX in XXXX XXXXXXXX I set up a transfer of money from TD checking account {$630.00} over to XXXX Acct # XXXX The transfer went fine, over to XXXX A couple of days later, The money at XXXX was transferred back to TD Bank without my permission or knowledge TD charged me {$100.00} reversal fee I went to speak with both banks in person and no one can help me with anything They are pointing fingers at each other So far, out of the {$790.00} Social Sec XXXX Child check I have been charged {$100.00} twice in fees from TD Bank See prior complaint Thank You, Please help We need my sons check to live
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello, in XX/XX/2011 I applied for a HELOC loan through TD Bank. When I submitted my application TD Bank said I was declined for the HELOC because my debt to income ratios were too high. I said okay and that I understood. A day or two passed and the loan representative I was dealing with called me back and asked me if I paid all of my debts through a business checking account. I told him I did and then he asked if I paid my first mortgage loan, property taxes, and insurance through my business checking account. I told him I did and then he told me that TD will omit all of those debts and approve me for the HELOC. I am currently 5 months behind on that payment and being warned that they are going to foreclose on my home. I wish I never opened that HELOC and was wondering if I have a case against TD Bank for omitting all of my debts including my 1st mortgage so they can qualify me. Please advise. Sincerely, XXXX
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Called TD bank on XX/XX/2019 @ XXXX spent on hold for approx. 20 min to talk to a rep named XXXX from call center XXXX Maine who I advised that I can provide my SSN number to access the account. XXXX advised that certain security questions would need to be answered in order to assist over the phone, all questions asked were accurate and complete however XXXX still flagged the account as unverified and refused to assist advising that I would need to go to the bank for assistance. XXXX refused to assist any further at which point I asked to speak to manager who also advised on me having to go to the branch for assistance. The supervisor who took the call would not give complete name and simply said her name was XXXX from call center in XXXX XXXX. NJ. TD bank is self advertised as being a very convenient bank however it has been very inconvenient to me as the customer with very limited time and patience to visit a local branch.
Company Response:
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TD Auto Finance issued an auto loan to someone using my identity in XX/XX/XXXX. I disputed the debt and received notification that TDAF found I was not responsible for the debt and it would be removed from my credit report on XX/XX/XXXX. Over the past two weeks, I have twice had a repossession agency XXXX XXXX stop at my house to look for the vehicle at TDAF 's behest. This constitutes harassment for a debt acknowledged as not owed.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-09
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: It was made clear to the cashier, that I did not want a department store card. Nordstrom Rack cashier confirmed verbally twice on XX/XX/19 that I was applying for a credit card where it can be used at any retail center. The cashier even gave me the credit card agreement documents. I did not want a card where I can only use at one store. Unfortunately, I received a Nordstrom store card in the mail.
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2019-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: TD Bank issued me a credit card with rewards promised based on purchases made with the card. I earned points to qualify for {$220.00} in cash back or gift cards. On XX/XX/2018 I placed a phone order for two {$100.00} and two {$10.00} gift cards for XXXX that totaled {$220.00} which I never received. TD Bank sent them to the wrong address even though I confirmed my correct mailing address with TD Bank when I placed the order and several times prior to placing the order. Several months ago, TD Bank promised to credit my VISA account {$220.00} representing the gift cards I never received for the cash back rewards I earned as agreed. I still have not received the gift cards or the cash back rewards of {$220.00} as promised by TD Bank.
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2018 my TD Bank Visa Credit Card was charged {$180.00} without my knowledge or permission. The merchant was XXXX XXXX XXXX and I never did business with this merchant nor did I receive any benefit for this transaction. I reported the transaction as fraud to TD Bank. I canceled the card and was issued a new credit card. The bank is still charging me for this transaction including interest even though TD Bank promised to remove this transaction from my account months ago. Please ask TD Bank to credit my account {$180.00} for this transaction along with any interest and fees associated with this fraudulent transaction. Thank you.
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hello, Early in 2018 I found I had {$18000.00} in fraud on my checking account at TD Bank. They told me to contact XXXX, which is where the charges originated. I contacted XXXX and they told me they could not tell me about the charges, due to privacy laws. I called the police. The police assumed it was done by one of my XXXX cousins and asked if I wanted him investigated -- at that point, I had doubts that it was him, and said no I do not. So the police did nothing in my case and I had to investigate on my own. I eventually found that one of my ex-girlfriends had committed the fraud on XXXX by compiling a list of suspects I had, and using their information ( addresses, names, etc ) while over the phone with XXXX to overcome their privacy protection laws. I reported this information to the police who finally secured a trial against her, which she refused to show up for. A bench warrant was issued for her arrest, but it's been months now and nothing has happened. There has been no progress on this and TDBank, and XXXX have treated me with contempt on this. Please, if it's possible, I am looking for any assistance I can find.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Target Red card has made several mistakes and has been grossly incompetent in handling my account. I have entered a settlement agreement and the 1st once was cancelled because late fees were not credited. The 2nd one was cancelled because the agent did not enter my bank information correctly, even though I read it back to the agent twice. Upon calling to set up a 3rd settlement, the agent informed me that making one would charge off the account, something the other agents did not disclose to me. So today XX/XX/19 I called back again and reached an agent who was anything but helpful. Come to find out I had a " cease and desist '' on my account, something that would have prevented further paperwork from being sent, and also she stated having this makes it " harder for them to help me ''. She also stated that " I should have known I had a cease and desist '' and it is " not our job to tell you this '' and None of the 3 agents I spoke to informed me I had this on my account. When I informed her about not knowing that a settlement would charge off my account, she blamed me for " not knowing this '' as if it were common knowledge. When I told her any bank, credit card company or other financial institution would inform a consumer that their action would result in a negative credit action, she told me I am " wrong '' despite having dealt with this in the past. She informed me she would contact the " head of the department '', but snarkily told me " it probably won't change anything '' even though she admitted what this department has done was " a very large mess ''. After informing her that I would be contacting other organizations about this, she told me " I bid you goodnight '' and hung up on me. While I was at Target tonight doing some shopping, I informed a manager about my issues and he said he has been " receiving a large amount of complaints from guests '' on how " idiotically Target Red Card handles guests accounts ''. So it appears I am far from alone in this matter.
Company Response:
State: IA
Zip: 52302
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The problem is with XXXX XXXX XXXX credit card issued by TD Bank. 1. I never received a first bill, and had difficulty getting to the website. TD has numerous web addresses that come up compounding the problem. I had to call customer service to find out what was going on, to be told that my first payment was late. That was sorted out quickly when it was realized the bill had never been issued, or was sent to an old address. 2. I began my payments on schedule from there, which was supposed to be the XXXX of each month, but turned out to be the XXXX. Several months were paid without incident. Then I was a day late in XXXX. No notices were ever received, either by post or email. 3. On XX/XX/2019, I went online to pay as usual, having been ill for a few days, and the payment box clearly says " minimum due {$75.00} late charge. '' Assuming it was referring to the current payment, which was two days late, I paid the minimum requested. 4. 0n XX/XX/XXXX, when I went to pay, the minimum due had changed from its normal {$48.00} to {$86.00}. I assumed another late fee was being assessed on the due date, which some companies do and then reverse, so I paid the normal {$48.00}. Again, there was no communication whatsoever in any form as to the amount being incorrect. 5. When I went into my XXXX payment, the minimum due went up to {$120.00}. At this point it was clearly in error from my perspective. I paid the {$48.00}, and made a note to call in. Meantime I received the first and only notice in the mail that {$120.00} was past due. 6. Upon calling, it became clear that the TD representative was not about to concede the slightest flaw with the website, in spite of it taking ten minutes, following his instructions, to even find where my payment history was, since most of his instructions failed, or he could not describe the poorly designed page so that a person could navigate. It also became clear that there was no acceptance of responsibility for the website stating a minimum payment due that was actually incorrect, and not providing a correct accounting. It also became clear that TD expects the customer to check their statements first to see if the payment page IS INCORRECT. 7. By this point I had been told that I had only paid the one day late fee of {$75.00} on a minimum due of {$48.00}, a penalty of 162 %!! I was then hopping mad about the scam this guy was protecting, and the shouting match ended. 8. The scam has these components : the apparent late fee for a single day is beyond any reason, where most companies have a grace period anyway. But worse than the outrageous price gouge is the manner of concealing what one ACTUALLY OWES ON THE PAYMENT PAGE. Then with each subsequent NORMAL payment, ONE INCURS FURTHER LATE CHARGES. I can only wonder that the failure to ever send out a first bill is another part of the setup. THE XXXX 'S INITIAL STATEMENT HAD NO CONTACT INFO FOR TD! 9. A class action lawsuit has already been filed on XX/XX/XXXX in one US court for TD Bank 's multiple overdraft fees. This is part of the same corrupt banking practice. 10. I expect full fee reversals from TD and a return to normal billing. I will take legal action otherwise.
Company Response:
State: NH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A