Date Received: 2023-08-08
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Td bank has put a hold on a {$7200.00} deposit for 10 days ( 6 bus days ) for " protection '', the check already cleared the writers account, which is my company, I called and offered proof, but no help or consideration Given,
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account has been restricted without informing me. I was made aware once my debit card started to decline. My account is restricted to be used and I have no access to my funds that I use for eating, living, taking public transport. I went into my branch and was told they submit a request and I should have an update by EOD. I never heard from them so went to the branch and said theyre still awaiting an update and that I should get a call. This is my only form of access to money at the moment and has put in a very difficult situation.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2022, I was notified by XXXX and XXXX that a new inquiry had been detected. I had not recently attempted to open any new accounts. After further reviewing my credit report, I noticed that there was an inquiry reported from TD Retail Card Service through XXXX on XX/XX/2022. This was clearly not from me. There was also a new account that had shown up on my credit report through XXXX by the name of XXXX XXXX on XX/XX/2022. I immediately contacted XXXX on XX/XX/2022 because I pay for their monthly monitoring services. The customer service rep helped me to contact XXXX via three way calling. The person in the fraud department was very understanding and stated that there had been a lot of this happening around the holidays. She assured me that they could get the account closed and taken off my credit report and she would start the investigation. She said that she would send paperwork my way as soon as possible. Weeks went by that I had not received anything from XXXX in regards to my fraud claim but my credit report was not affected negatively so I assumed it was either rectified or still being investigated. In XXXX, I received a notification from XXXX that I had an account that was 30 days past due and my credit scores started to plummet. I contacted XXXX and they told me that my original dispute had been closed because they never received the appropriate paperwork back. I told them that I had never received any paperwork from them to complete and return. They confirmed that they had the incorrect home address to send it to but that there was nothing they could do because once the dispute is closed, its closed and Id have to pay the balance on the account. It was considered to be my account and I was responsible for it. I hung up with that person and called back and was able to speak to another person that understood and reopened a dispute. She corrected the address and told me that paperwork would once again be sent out. A few days later, I received a letter stating that the dispute had been closed and it was determined that it was my responsibility. They included the receipts of items that were purchased under this account and sent to an apartment, where I don't live, under my name. I went back to my credit report and noticed that this apartment address was listed as a previous address. I have never lived at this address. I have sent several letters to TD Bank and have contacted XXXX and they continue to close my disputes, without notifying me, saying that this is my activity on this newly opened account, apparently by me. This is not my account and I did not receive any goods for the {$3100.00} that was charged on this fraudulently opened account. I have filed a police report and a identity theft report with the federal trade commission. Why would I go through all of this trouble if I opened this account and purchased goods myself?
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I wrote the Internal Revenue Service ( IRS ) a check for {$2500.00} to clear up a debt owed. I received a notice from the IRS dated XX/XX/XXXX, that I still have an outstanding debt. I asked the IRS Representative was the {$2500.00} check received. The Representative gave me a list of checks that had been received by the agency, however check # XXXX for XXXX was never received. I went to my bank, ( TD Bank ) on XX/XX/XXXX and filed an affidavit of forgery and received a copy of the alter check and unauthorized withdrawal of {$2500.00}. Check # XXXX was altered and made payable to XXXX XXXX. This person made a mobile deposit to her account at XXXX XXXX. My bank denied my claim because this transaction was over XXXX old. However, my bank extended my claim to 1 year. On XX/XX/XXXX, I filed a police report with XXXX XXXX Police Department with XXXX. XXXX XXXX # XXXX. He assigned me a case # XXXX. For questions please contact XXXX. XXXX XXXX on ( XXXX ) XXXX or on his XXXX I am requesting that TD bank investigate this matter thoroughly, and I would like the end results to be an reimbursement of the funds that was stolen form me.
Company Response:
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I recently was scammed by a fake company that had made me deposit a fake check and stole my ssn. I currently have a negative balance in my bank account and lost all my savings for the time being. I am a victim of fraud of identity theft and my bank TD bank would not help with my situation and ask me to pay without listening to my complaint and situation. Within the past week I had XXXX taken out of my account. I tried filing for a dispute but Im not sure if the bank will help at all.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I received a letter from Target TD Red Card around XXXX XXXX of XXXX advising me that if I do not use the card within 30 days of the letter they will close my account which in turn will effect my credit. I used the card. Since then I have been trying to make monthly payments on my card however there is always an issue. They continue to report me to the credit bureaus however I still not have received one document or notice in the mail regarding late payments, date payment is due. They have not contacted me. The only documents I received from TArget TD was use your card or we will close your account and we are unable to contact you via email, here is paper correspondence I tried calling XXXX XXXX and the last time I got to speak to someone is I apologize that our system didnt take the payment when it should have. We dont contact the credit bureaus when there are errors made in our behalf since the threatening letter to use my card, this account has always given me a problem and every month TARGET continues to charge me fees and reporting me to credit bureau XXXX This card is {$1000.00} card not {$10000.00}. Furthermore they reported me again this month XXXX and XXXX for non payment. I can not get in my account because they want me to verify my card and the card I have is not allowing me to sign into my account to make payments. They shut my card down failed to send me a new card or contact me in writing or verbally to let me know whats going on. I got notified my the credit agency. I cant get a supervisor on the phone, usually its an individual with no clue. I need a new card to be sent with a tracking number, so I can get a card to log in and start making my payments. I dont believe I requested. New card or to have my card turned off. I had a score of XXXX now its at XXXX because of targets {$1000.00} credit. This cant be legal.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: Review the companys response to your complaint. The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. Thank you for participating in our complaint process. This complaint is now closed. COMPLAINT ID * THIS COMPLAINT NEEDED INCLUDE MORE INFORMATION!!! THE XXXX XXXX VEHICLE ALSO WENT THROUGH A MAJOR ACCIDENT IN XXXX, XXXX. I SPENT BETWEEN $ XXXX {$7000.00} ON REPAIRS, ( INCLUDING STRAIGHTENING A BENT FRAME ), AND THERE WAS A LAW THAT STATES THAT LEASE COMPANIES CAN NOT SUE FOR THE FULL AMOUNT IF THERE'S A MAJOR ACCIDENT!!!! XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: NY
Zip: 14616
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: As a response to a bounced payment, the TD based company in charge of the XXXXXXXX XXXX XXXXXXXX store credit card chose to reduce the credit card limit to a number intentionally below the balance on the account so as to maliciously and immediately cause severe, excessive damage to customer 's credit score. Theu reduced a limit by 87 % ( XXXX to XXXX ) to INTENTIONALLY cause damages to a person 's credit score, making it more difficult to do anything in life. Effectively a form of defamation.
Company Response:
State: NY
Zip: 14216
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. State Zip : XXXX XXXX MD, XXXX Email Address : XXXX XXXX U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: MD
Zip: 207XX
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: 2023-08-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have an auto loan with TD auto finance US. I have regularly paid my monthly fees on time including XX/XX/2023 by scheduling it well in advance before the due date. Furthermore, I checked my online account and discovered that my account wasn't current that I still have an outstanding fee to pay. I reached out to TD auto finance and the customer service representative promised me it will be rectified within XXXX business days. Up till now, I am back and forth with TD auto finance and they keep transferring me around. I have sent them several messages on my online account and they kept promising it will be reversed. XXXX of those days, I was put on hold for about XXXX hour with no apologies.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A