Date Received: 2023-08-11
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: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Identity stolen and utilized to open a checking account with TD Bank. Received an email at XXXX on XX/XX/ thanking me for opening a XXXX XXXX account in my former legal name. I legally changed my name via court order in XX/XX/XXXX prior to the identity theft. I called the TD Bank identity theft hotline, provided my SSN and name and other identifying information. Support could not provide me with the account number or any other information, but said I would be contacted via an investigator. Support was not able to verify whether or not they were closing the account immediately. Support was not able to offer a timeline for when the investigations team would contact me. After doing some research online, it appears that this situation is very common with TD Bank. Other consumers who have had this issue with TD Bank stated that TD Bank never conducted a thorough investigation into the identity theft, and never followed up. I was encouraged to submit this complaint in the hopes that TD Bank would follow through with my investigation.
Company Response:
State: NC
Zip: 27612
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is regarding TD Bank, Routing number is XXXX and my account number is XXXX. I made the deposit with the branch manager verifying the check. The account was open with the bank manager present and not only has TD Bank fraud department put a hold on the check, they just returned the check and said I am short {$14000.00} in the account. I just put {$16000.00} into the account to cover the 1 day hold, but I do not keep this type of money in my savings. Below is the new reason why the check is no good and now they are freezing the account of the maker of the check. Read below : The issue is the handwriting of your name doesn't match the rest of the check, so our back office team says the check was altered. It triggered the check being returned and XXXX account being frozen because of it. I'm on hold trying to work with them on a resolution as I type this. The branch manager saw the check being written, the branch manager was there when the funds were deposited, In the name of XXXX, I have done everything that I can to do this correctly. TD Bank is just digging in their heels and trying to cover there mistake with different reasons and lies. Why can they just say, my mistake and fix the problem instead of messing with people 's lives and businesses!!!
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Unknown person applied for XXXX XXXX using my name. I notified XXXX and was told by XXXX they would mark the app as fraud and l should also notify your office. Thank you
Company Response:
State: KS
Zip: 675XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My account was terminated by TD bank. While this was disappointing, they have not returned to me the funds from my checking account yet. After noticing I lost access to the online portal last month, I called them to inquire about this. They gave me no reason for the account closure and then mentioned they would send a check with my account balance. I have not received this check at all.
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
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: I have the TD cash card. That is a card I have not used in a very long time. TD bank keeps denying my claim. I am from XXXX and I saw a whole bunch of charges on the west coast. I called and blocked the card. I got a new card and opened the dispute. The charges were from XX/XX/XXXX to XX/XX/XXXX. The biggest problem is that I had to call, there were some big charges and as I stated earlier I havent used the card in over a year. Not once did they send me a text to make sure it was me they let everything go through. I called and they opened the dispute but has still not solved it. They are no help I spoke to a supervisor and told them if they would have just sent me a verification text this could have been avoided. I do not use this card. I am from XXXX not from the west coast and I have not been to the west coast since XXXX.
Company Response:
State: NY
Zip: 11435
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The Target Redcard ( credit ) fails to post payments in a reasonable time frame. Money already withdrawn from my checking XXXX weeks prior still has not been applied to the card. The most recent example is when I requested paying off the card online on XX/XX/XXXX. The money was then withdrawn from my checking on XX/XX/XXXX, unfortunately the card has not been updated as of XX/XX/XXXX I have called Targets RedCard customer service XXXX times in the past few months attempting to resolve this. Initially the problem, I was told, is making big payments at the end of the cycle will delay processing. Another call I made weeks after stated the opposite, to not have small payments throughout the cycle. A small note, after I pay with another card at Target ( due to lack of funds, since the payment has not posted ) and proceeding to customer service the representative states this issue is a common occurrence for customers.
Company Response:
State: NH
Zip: 03110
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The Bank 's Auto pay policy only has 2 options ; 1-minimum payment due 2-Statement balance If you try setting up your recurring payment by calendar month, their system only gives two months. This puts even good credit card members at increased risk of default. I have called and spoken to associates about this including a supervisor, to no avail. I believe adding an " other '' option to their auto-pay will solve this ONLY TD Bank problem in my view, This is my only credit card that has this problem. XX/XX/23 is one of the 4 times I have called TD Bank for the issue. Their answer- we do not have that option.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX has an account under my name for which I did not opened. Called TD Bank ( card issuer ) and they have an opened account for a CC in my name. I have never opened a credit card account with TD Bank so I am assuming that my identity has been fraudulent used for this credit card. Who ever has this card has accumulated almost {$4000.00} in less than 3 months. The number on the account : XXXX XXXX XXXX XXXX. MY NAME : XXXX XXXX SS # XXXX ADDRS : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX FL XXXX PHONE : XXXX XXXX XXXX Thank you
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I sent them a cease and desist letter which they confirmed that they received in XXXX but they still contacted me after receiving the letter by sending me a letters on XX/XX/XXXX and XX/XX/XXXX which are FDCPA violations.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A