Date Received: 2023-06-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a Beyond Checking Account and Signature Savings account on XX/XX/XXXX due to a mailer I received from TD Bank in XXXX of XXXX. The mailer indicated promotional bonuses for both checking and savings accounts. I followed their requirements to the letter of the law but still have not received my promotional bonus ( {$200.00} for checking and {$400.00} for savings ) in accordance with their terms. I reached out via online secure messaging on their platform on XX/XX/XXXX, XX/XX/XXXX and called into their support line on XX/XX/XXXX. The representative assured me that it would be escalated to the appropriate party and resolved. As of a XX/XX/XXXX message there is still no resolution in sight. The balance in my accounts totals {$17000.00} which I would have been earning higher interest on with another institution. It seems that TD BANK is engaging in bait/switch tactics to garner deposits at their bank. I would like my Bonus amount asap + damages for lost interest. TDBank should not be able to offer fraudulent promotions and then not fulfill them. Please help. Thank you
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX XXXX XXXX NORDSTROM/TD BANK USA , yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX - Date opened XXXX XXXX XXXX NORDSTROM/TD BANK USA / XXXX XXXX
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XXXX advertises on their website that there is special financing with a XXXX credit card. I applied, was approved. Attempted to buy a lawn mower on the same XXXX website advertising special financing with the XXXX card and you can not even use the XXXX card on their website. When I called XXXX customer service they informed me that something happened about a week ago and now people can not use XXXX card on their website. They have known this for a week, but people like me, are allowing a hard credit pull to be done because we apply for the card and then can not even use it. I asked customer service to connect me to anyone who can take my order over the phone and they informed that they can not accept the XXXX card even with a customer service agent. Now I am left with a hard credit pull, a useless {$22000.00} credit limit. When I contacted TD Bank who is the bank the card is actually backed by, they were unaware that XXXX was having issues. It is unacceptable that XXXX has known about this for over a week and are still advertising this on their website and allowing customers like me to have their credit report pulled!
Company Response:
State: TN
Zip: 37615
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: someone was trying to open a savings and checking account at TD BANK ON XX/XX/XXXX XXXX i received a letter in the mail from td bank. i went to that bank. and they told me it was done on line. they also told me they have my ssn and date of birth. they try to used my old address i had 20 years ago and my address i live at now
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
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: On XX/XX/XXXX I contacted TD Bank in regards to a credit card dispute for XXXX XXXX XXXX XXXX XXXX purchase in the amount of {$11.00} dated XX/XX/XXXX. I had purchased the car wash but never received the services as the automatic car wash machine was not working. The number on both TD Bank letters ( XXXX ) XXXX are no longer in service and they have not updated them on their letters. On XX/XX/XXXX I received a letter from TD Bank stating the dispute filed was not in my favor and I must resolve the issue with the merchant. TD bank was aware that I had tried all avenues to get in contact with the merchant but the merchant would not return my call. I called TD Bank to appeal and they said they would work on it and I also asked for documentation used to make their decision as stated on their own letter which states I have the right to receive. I called numerous times and they refuse to provide me any documentations.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, ( Payor ) wrote a check number XXXX to ( Payee ) for the sum amount {$68000.00}. On XX/XX/2022, Payee made an ATM check deposit for said sum amount in question. The Payees bank TD Bank placed a 6-day business hold on the funds and subsequently the hold being lifted put a restriction on the Payees account for identification verification. On XX/XX/2022, both Payor and Payee entered TD BANK branch located on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, Fl. XXXX, for the purpose of identification verification. Upon such verification TD Bank refuse to release the funds to the Payee and informed him that his account was being closed stating TD Bank no longer want relationship. Currently, TD Bank has been in possession of the {$68000.00} in question for approximately 9 months and refuse to release the funds to ( Payee ) after identification verification was completed and without valid cause and refuse to have the funds return to ( Payor ) account upon Payees request. TD Bank has an obligation to return funds not subject to fraud back to where it originated. However, Payor was directed by the Payees bank TD to reach out with XXXX XXXX XXXX and have the bank submit a claim requesting the funds to be returned to the Payors account. According to TD Banks Back Office, XXXX XXXX XXXX has not submitted any claims requesting the funds to be return back to the Payors account. XXXX XXXX Bank has an obligation to the Payor to make such request upon Payors request and has failed to do so. Payor has made numerous calls to XXXX XXXX XXXX requesting that a claim be submitted to TD Bank to have the funds returned to his account. XXXX XXXX XXXX allegedly submitted a claim requesting the funds to be returned according to their BACK OFFICE but have not provided the Payor with any documentation as proof showing a stamp date and time as to when the claim was submitted. XXXX XXXX XXXX has continuously relied on its response dated XX/XX/2022, stating, In researching your inquiry, we determined the issue of possible fraud on your account needs to be resolved directly between you and PAYEE, to deny Payors request in submitting a claim to have funds withdrawn from his account returned, thus depriving him of his property ( monies ) that was in trusted in the hands of XXXX XXXX XXXX. XXXX XXXX XXXX has willingly refused to submit any claims to TD Bank requesting the funds to be returned to Payors account and to provide any documentations demonstrating that such request was made. The monies are not subject to fraud nor there exist any evident that would state otherwise. Both Banks are violating the Payors and Payees rights in depriving them of the monies without any valid cause and are abusing their power in doing so.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: TD Bank offered a {$400.00} bonus for opening a new XXXX Checking Account. I did this and met all of the other requirements of the offer, yet they refuse to pay the bonus. They have stonewalled me for weeks on my follow-up efforts. They have lied and deceived me.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have mailed out notices to the company and they disregard ignore and continue sending these fraud billing statements. notices sent on XXXX XXXX and XX/XX/202XXXX XXXX
Company Response:
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a victim of identity theft and the contacted companies won't close and adjust accounts
Company Response:
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This Bank keeps contacting me stating I am in default and chargiong me late fees and interest charges even though I have paid all of my mortage payments on time. I have sent copies of cancelled checks indicating the same to the Bank twice, and called them over the phone multiple times without results, and my credit ratings have suiffered due to the Bank 's mistakes..
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A