Date Received: 2023-08-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A check was written on aTD account. TDs system charged the amount to another customer, not my account. When discovered, my account was closed by their fraud department. Even though I have been inconvenienced beyond my wildest expectations, they will not admit nor assist me with resolving any of their problems. They are now going to take the money back from the payee. I have instructed them to deduct it from my new account with them. They can not do that as their system will not do that. I wrote that check in faith that it would be handled properly. It appears that TDs system will not allow that. I am at fault and quilty of fraud instead.
Company Response:
State: CT
Zip: 06067
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: In process of cancelling/closing fraudulent account that appeared on my credit report with XXXX/XXXX. I never opened this account. Noticed this after my credit score dropped. They have an address of XXXX XXXX XXXX XXXX, MN XXXX from XXXX fraud account that I have never lived at.
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX - I signed up for a TD Bank account online as a XXXX resident. XX/XX/XXXX - I add XXXX account as an external transfer source and verified the trial deposit amounts from TD Bank successfully. XX/XX/XXXX - I try to make an external transfer to the XXXX account Item # : XXXX ( redacted ) Amount : {$2500.00} From : TD Bank To : XXXX XXXX XX/XX/XXXX - I call TD Bank to ask why the transfer has not yet gone through ; they inform me that they require me to go into the physical location with proof of ownership of the other account. When I asked why the verification on XX/XX/XXXX was not enough, they were not able to provide a reason. I have moved out of state to XXXX, so I asked if I could go into the TD XXXX instead because there are no local branches. They replied that I needed to go in-person. Therefore, I have no way of getting money out of my TD account.
Company Response:
State: CA
Zip: 94403
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have s inquiry I did not do on my report.
Company Response:
State: NY
Zip: 11105
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Date : XXXX Amount : {$9500.00} Wire Transfer Reference # : XXXX I sent a wire transfer from TD Bank to a recipient bank in XXXX. The money never arrived. TD Bank was unable to provide evidence of the following : * that they sent the money * that the intermediary bank received the money * that the intermediary bank forwarded the money * that TD Bank made good-faith attempts to investigate the problem TD Bank claims that the intermediary bank is XXXX XXXXXXXX in XXXX, but TD Bank is unable to provide any proof that XXXX XXXX received the money. I have contacted TD Bank multiple times, both in-person and over the phone. I asked managers in TD Bank to escalate the problem multiple times. TD Bank managers refused to escalate the problem, and were unable to suggest ways to resolve the problem. To resolve this problem, TD Bank should return my money. I am complaining to the CFPB as a last report in an attempt to resolve this problem.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX occurred in XX/XX/XXXX. The previous month and the month after showing {$0.00} balances. But XX/XX/XXXX showing 30 days behind in payment. When I speak to Billing in XXXX they also say it is odd that it is just August 30 days behind and not paid in full, until XXXX? Then in XX/XX/XXXX again it shows Target, I paid the previous month in full. XXXX showing a {$0.00} balance, I asked billing when was the payment made? He could not tell me the exact date in XXXX? Huh? But it was for the full amount due? He stated I pay my entire balance, but it does show they dropped my credit limit from {$15000.00} to {$300.00}. Why? He did not know why? But I asked to speak with a supervisor. I did not care about my credit limit, but I did care about the passed due amount as we were still in XXXX and they were showing a {$0.00} amount due in XXXX, and 30 days pass due for XXXX? He could not explain it. He got a three way with two supervisors and they could not explain it. Said they would contact all 3 Credit Bureaus right away. I have been trying to get it removed ever since. Calling both Target who state they have contacted the Credit Bureaus and it is the Credit Bureaus who are not removing the negative report. Not Target. I have sent in a Dispute every month ever since. I find it strange both negative reports are in the month of XXXX. I refuse to use both cards now. I stopped using both cards. Or I pay the credit card bill as soon as I have shopped at Target prior to receiving the statement. If I didnt know better I would say someone works at the credit Bureau who knows me and is able to mess with my credit and make my payments late. Knows I have caught on and knows I am making payments prior to the due dates and can not change my payments. This is just cruel and I know it is illegal. Any investigation you can do I would be grateful. Regards, XXXX XXXX XXXX
Company Response:
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: TD Bank did not report my car is completely paid off. Please remove asap
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I got a loan with TD Bank and I couldn't afford the loan because I got laid off due to Covid and I XXXX and I have a XXXX and I'm on Social Security XXXX now and I can't afford the payments anymore and so they're threatening to sue me a XXXX and I have a learning XXXX and I'm trying to get more lines of credit but I'm on Social Security and I have a fixed income but I need help getting this off my credit
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
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: TD Retail Card Services Headquarters Attention Head of Department I have been trying very hard to reach someone who will understand my situation with my referenced as several different names including Home Inspiration, TD Bank, Online Account Management, and Renovate. For those of us who appreciate and take advantage of these purchase programs and who have worked tirelessly to make payments on personal debt, this variable reference to this program causes so much confusion especially when not receiving statementsor at least I did not recognize that this was referred to all of these names. I did have it noted on my personal calendar the promotion was coming to an end in XXXX of 2023. A personal tragedy made me panic when XXXX was coming to an end that I hadnt heard or seen a notice that this would be ending. I have participated in these programs many times as I would not be able to afford to purchase new furniture otherwise. In speaking with XXXX XXXX they were apologetic that I misunderstood the end date of the promotion as they knew that I had utilized this many times as their customer. XXXX felt strongly that TD Bank would see that I have been a repetitive customer and at a minimum come to some reasonable settlement based on the confusion with reference and not receiving a statement. I can not tell you how upset this has made me which is why I can not feel okay that I am being charged with over {$1600.00} of interest because of a misunderstanding. All payments were being made timely/automatically, and I even had gone in several times and tried to make a payment because I wasnt seeing any communication and thought I had missed. It was a very confusing portal and ultimately it did indicate that it was a duplicate payment. {$1600.00} could help me pay down plenty of other debt/bills, and if I have to see this go to a futile effort in having someone understand the reason behind my misunderstanding it would be devastating. My intentions were there and I understand that in many cases people might completely ignore and realize that they can not make payments. The minute that I called and found that I had missed this promotion ending I paid the balance of the original loan in full. I was certain that I was not at fault and immediately contacted the appropriate department and the person indicated that if I had reached at least in XXXX they would have been able to accommodate my situation. This is so upsetting because I was sure that the end date was in XXXX. I someone could listen to and understand my situation I can not believe that they wouldnt work with me. I work two jobs and this will set me back so far on my financial situation. Please help me out and bring this to the attention of the head of this department.
Company Response:
State: SD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A