Date Received: 2023-08-15
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I took a TD Auto Finance loan for 3 years with XXXX XXXX in XX/XX/XXXX. I wanted auto debit, but ended up with having invoice mailed, until bills started arriving on due dates or after due dates in XXXX, after complaining they put on auto debit in XX/XX/XXXX. I thought everything was fine until I received final payment notice in beginning of XX/XX/XXXX where I noticed I was being charged {$260.00} in late fees, I called TD on XX/XX/XXXX and was told I missed my first payment and was getting nowhwere and asked to talk to a supervisor, where I was told there was none working. I finally was called by a so called supervisor on afternoon of XX/XX/XXXX, and he said I closed the acct and reopened it-which made no sense whatso ever and he said I missed a payment and that payment was never made up so I was paying late fees every month. 1. I have never been contacted by anyone about payment missing-why? 2. I put them on auto debit -why was this payment and /or late fees not collected-as they could have done this at anytime. This is a way to increase their bottom line at my expense. On top of this, I mailed them the payoff after talking to my attorney and they cashed my check and took another payment for {$10.00} more than the final bill. Now they have extra money, I want it back and I want all late fees refunded with a letter of apology for their unprofessional business and stating the multiple lates were their error-If a payment was late they had 2 yrs or more to collect and chose not to so they could pile on the late fees
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I opened the prepaid card back in XXXX I with Td bank with the understanding that they dont charge interest rates on a prepaid card because they would never let me go over and what I spend is only {$300.00} but it was capped off at XXXX I asked for the account to be closed and Im still being charged a interest rate and being reported to the credit bureau as having late payments
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted Nordstroms credit card service. They explained to me that if I pay {$600.00} to them they will delete the credit line from my credit report. When I asked if they could send it in writing, they threatened to take me to court and file charges for fraud if I did not accept their agreement. I explained that I need something in writing for them, they stated they do not offer any such thing in writing and that I must take their word for it. They are not reporting this as deleted, nor are they even attempting to state this was settled accordingly. They are still attempting to collect a debt that has been settled.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX unauthorized funds were transfered from acct ending in XXXX and withdrawn from my checking acct ending in XXXX and funds sent to XXXX XXXX XXXX XXXX XXXX I was on the phone with the fraud dept moments after the XXXX rep called me from Utah and went into my account. They had me download an app and told me to hold. I started seeing the transactions on my phone and reported it to the bank also. I was advised to go to my cell phone provider and have the phone scrubbed.Meanwhile TD suspended my accounts and online banking.I 've made 4 claims which were denied due to IP address being the same for 90 days but TD never sent any correspondence on this. I keep calling the bank myself checking on the claim and they keep saying its been denied.i verified my current mailing address, so no excuse on mailings.Also XXXX and XXXX have since refunded my monies and denied charging me for goods.I am diabled and went into the branch several times to submit claims also.I was advised that the investigation was not started correctly, no claims were being sent to XXXX tech.There was a claim put in today with XXXX tech again and i am physically going to the bank to submits docs to be faxed to XXXX which is the dispute dept. IF the bank is FDIC why wouldn't they do an invesigation besides stating the IP address is the same for 90 days, i had the same acct number for years, shouldn't it be? I get my fixed income deposits monthly and never have I had to change anything but debit cards for fraudulent activity. XXXX tech told me today the rep who filed the last claim had he wrong account #, how? I verify everything on the phone and have a copy of a claim from the bank. Who deals with the consequence of the bank 's staff error? I want my money refunded back into my account. Again i am XXXX and why would give my money to someone XXXX dont know but unfortunately I was scammed.
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have two checking account with TD bank, and one of checking account got fraud transactions then we reported to the bank and after the issue been resolve, I closed this checking account. So I am using the other checking with no fraud transactions one. After one month, this normal checking has been freeze by the TD bank. and they were saying it is under the same name with prior account, previously the fraud transaction was someone trying to deposit the check in ATM which is not belong to themselves. BUT they had my debit card PIN, so the bank was consider that is me. now TD was freeze my account completely, I can deposit but no withdraw and they block all the online banking for me. I am retired women I need the the money to live. now they freeze all my account completely I don't know what to do. I don't really know how did they get my PIN, but the PIN only ME knows, nobody else. I am also a victim in this case.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card along with other items were stolen from my house by an individual that I know. I filed a police report and got a restraining order because he admitted to stealing my stuff thru text and via phone and started making threats when he refused to return the items after I told him I was going to the police. The bank closed my dispute and stated that the transactions were authorized when I have proof that it wasnt. The bank stated that the transactions were authorized because a valid pin was used however my old pin is a pin that I use for everything ( phone lock, voicemail, debit cards, ebt card etc ) because it has a meaning behind it. The transactions were not authorized and I feel as though this is unfair to suggest it was.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Beginning on or about XX/XX/23, I started receiving phone calls from TD Bank at ( XXXX ) XXXX. On XX/XX/23, I was informed that TD Bank 's collection department was attempting to collect a debt the bank incurred due to TD Bank failing to verify Thief 's identity. Upon inquiry, I was informed that Thief stole my identity and opened a credit card account to purchase a XXXX XXXX. TD Bank refused to provide me with the address where Thief applied for the account. On or about XX/XX/23, I contacted TD Customer Service and was transferred to the Dispute Collection department. I was placed on hold for about 10 minutes and was subsequently disconnected.
Company Response:
State: CA
Zip: 91722
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is a follow up from my first complaint. I worked with XXXX at the XXXX XXXX of TD Bank. His information follows : XXXX XXXX | Sales and Service XXXX | XXXX | NMLS # XXXX TD Bank, XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX T : ( XXXX ) XXXX | F : ( XXXX ) XXXX Luckily I had money to cover the shortage and supposedly the bank covered everything, see below email regarding the {$17000.00} that was illegally put on my account : On XX/XX/2023 XXXX XXXX EDT XXXX, XXXX XXXX XXXX XXXX wrote : It should fall off tonight in overnight processing- the check was already returned back to XXXX 's account so there really isn't a hold on it. Unfortunately there isn't a way to expedite that off the app because it's done by our back office team in overnight processing. I did the math for you though and it checks out. After XXXX and XXXX were paid the balance Friday night was {$2900.00}. I added the {$17000.00} that was put in as cash over the weekend, as well as the {$5000.00} transfer that was also put in as cash and subtracted the debits for XXXX XXXX and such and the ending balance was {$24000.00} which is what shows as available for you to use, so there isnt a true hold on the account. You have {$24000.00} available to use. Respectfully, XXXX As you can tell, this email is proof that the malicious acts that have been committed by TD Bank towards me, a XXXX XXXX, shows that the bank does not pay attention to the actual laws of the United States of America. There has to be an investigation into the illegal activities. Are they XXXX XXXX? Are they anti XXXX XXXX? These are deliberate, malicious and fraudulent activities. This is a targeted discriminatory attack on me and if you audit the bank, you will see a pattern of abuse and discrimination against XXXX XXXX and XXXX people. To further add insult to injury, someone called the police and said that I threaten to XXXX XXXX XXXX XXXX XXXXXXXX. Is this revenge because the police did nothing??? I am XXXX XXXX XXXX, really. This is TD Bank just messing with a XXXX XXXX XXXX because someone thinks that they can do this and not get in trouble. This is a blatant attack against any and all XXXX XXXX and XXXX XXXX activity!!! There was more than enough money to cover the checks, please reread the email that is in this complaint.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I received a notification on XX/XX/XXXX that my credit score had dropped XXXX points from XXXX to XXXX and when i logged in to see what changed I discovered that Target/TD Bank XXXX XXXX missed payment on my credit report of {$35.00} missed from XXXX. I have NEVER missed a payment on that account or any other account which can be seen on my credit report. I then called Target/TD Bank ( on a recorded line ) and let them know I not only never received notice of a missed or late payment but never received a call about a delinquent payment. I also was signed up for auto pay of which the customer service representative claimed I never was signed up. I then asked " why did no-one contact me? '' to which the customer service rep responded first they do not have to and some people they do not contact and then changed her statement saying I have a do not contact listed on my account. I let her know I never discontinued auto pay and I have never authorized a do not call/contact and asked for a supervisor of which she refused stating they could not assist me or fix this reporting error, but finally put me through to a supervisor who repeated the same thing and said she would put a request for dispute but no-one ever contacted me and the dispute was not handled. At this time Target/TD Bank drops my my credit limit from {$15000.00} to {$1500.00} further tanking my credit score and making my Target/TD Bank card account balance of {$1400.00} almost maxing the account, which is not only punitive, predatory but deceptive lending practices. This action then affected my credit limit of another card which is/was in good standing with a {$6000.00} limit decrease and create the same punitive action, all because they did not call or notify me that a payment was late within 30 days of them stating they never received XXXX payment of {$35.00}. At this time the punitive action caused by Target/TD Banks deceptive practices and fraudulent reporting has cost me {$2000.00} because I have had to pay down XXXX and Target/TD Banks card to prevent further damage to my credit. I received the XXXX dispute report stating they will not have Target/TD Bank change or remove this and the 30 day late payment will remain on my credit report EVEN after I paid {$190.00} on the phone with them XX/XX/XXXX to cover the {$35.00} late payment and another {$600.00} on XX/XX/XXXX because they dropped my credit limit almost maxing my card out. These punitive actions should never have occurred, would have been immediately remedied had they called me about the late payment, again I have NEVER missed a payment, especially for {$35.00}. So moving forward to today, they fraudulently reported on my credit report not only the 30 day late payment which will affect my credit till XXXX but they fraudulently reported the late payment incorrectly as XX/XX/2023 instead of XXXX which is when the apparent missed payment occurred because somehow the autopay was removed from my account and a no call/contact was added but they can not tell me when or why, ..they just say they have no record of the autopay ever being on my account and no record of who authorized a no call/contact on the account. The actions of Target/TD Bank the XXXX issuer to not inform are deceptive, lowering credit limit to max out a persons account is punitive and adds high interest and burden to the card holder in the form % of used credit and affecting consumers overall credit rating/standing with all open accts or lenders but the fact that they also fraudulently report to the credit bureaus the inaccurate month the apparent transaction occurred is warrants a closer look at their deceptive practices and unfair treatment of long-term customer/consumers by both Target and TD Bank. I have been a customer and card holder member for almost a decade or more and never missed a payment and even pay extra every month ahead of my payment due date. At the very least I would like to have this fraudulent reporting removed from my credit report and at the most Target/TD Bank should be fined or shutdown for fraudulent, punitive and deceptive practices burdening consumers. My payments are due on the XXXX of every month, WHY in 30 days did they not reach out to me at all? WHY did they wait till XX/XX/XXXX to report this without contact even though I paid {$190.00} on XX/XX/XXXX and {$600.00} more on XX/XX/XXXX and why drop a consumers credit limit to almost maxxing the consumer account limit for {$35.00} late payment? These deceptive practices are the reason for the Consumer Agency Protection Bureau and I pray something is done since the credit bureaus will not assist. Please assist me in resolving this so that other consumers do not have to be deceived by Target/TD Bank ever . Thank You!
Company Response:
State: OK
Zip: 74014
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 To whom this may concern : My name is XXXX, more formally known as XXXX XXXX XXXX. I am writing you to alert the proper authorities regarding the absolute and complete, unbelievable nightmare, I've encountered with TD Bank. I want to get my story and the disturbing facts out to the right people so that maybe, this will not happen to another customer, ever again and you can help get me my money. A few short weeks ago, I had closed my checking and savings accounts at XXXX XXXX and decided to move my funds over to TD Bank as it was more convenient for me from home or work. When I had closed my account at XXXX, I received, two cashiers checks on XX/XX/2023. One for my checking account which was {$430.00} and one for my savings account which {$16000.00}. I deposited the {$430.00} check into my new checking account on at my newly chosen financial institution, TD Bank on XX/XX/2023. On the evening XXXX, I went to transfer money from my savings to my checking to find that there was no longer a checking account. I called TD Bank and was told the checking account was closed and I need to go to the branch. No explanation was given. TD Bank just closed it. No email, no phone call no nothing from them. The morning of XX/XX/2023, I went to the branch and was told there was fraudulent activity so I requested a print out of all activity. None I could find I was issued a cashiers check for a bill I needed to pay from my savings to an annuity that was just opened as a rollover and payable directly to the Annuity but they would not release any money from my checking account. Still no reason why. That's where things went seriously, seriously, beyond south. The assistant branch manager, XXXX XXXX, pulled me aside and told me that TD Bank was exercising their right to close the account and I could never have a checking account with TD bank, but refused to elaborate any further. She was expediting the closing of the checking account to release my money. But as of XX/XX/2023 she refused to release my money. Through independent investigation it is believed that the {$430.00} Cashiers Check trigger the fraud. XXXX XXXX has now confirmed, WHILE I'M IN THE BRANCH OF TD BANK ( XXXX, NJ on XXXX XXXX ) Certified cashiers check and it is certainly NOT fraudulent nor does XXXX XXXX have a hold on it, But XXXX XXXX refused to talk with them to release my money. MY ENTIRE ACCOUNT IS FROZEN. Including my payroll check! As of this date There is {$1600.00} in what was my checking account. TD Bank will not release any funds until XX/XX/2023. If there is a problem with a cashiers check in the amount of {$430.00} There is still {$1200.00} that is mine from payroll and previously deposited funds This money includes my payroll check received by TD Bank on XX/XX/2023 in the amount of {$710.00}. On XX/XX/2023, I requested from XXXX, the assistant branch manager that I would like a cashiers check so that I may close that account, while they investigate the Cashiers check I am then informed by, XXXX, the assistant branch manager after I refused to leave without my money, who was not compassionate, by no means accommodating, and treated me, the customer, as if I were a criminal attempting to steal my own money! That I would need to wait until XX/XX/2023. Because the special fraud division only communicates via email, XXXX XXXX is the only person I can communicate with. Why the {$430.00} flagged but the {$16000.00} not. Now I'm heated, I'm more than upset, and flagging a certified cashiers check for fraud, is clearly a huge issue on their end, not XXXX XXXX or mine. TD Bank has some seriously sensitive fraud flagging criteria. I have no money for food, gas, bills etc. Please help XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A