Date Received: 2021-03-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I arranged to allow transfers to/from my TDBank checking account. TD Bank was supposed to make two trial deposits to confirm my account. There were three transactions. When I entered the amount of two most recent transactions, it would not validate the account and told me to call their XXXX number. I realized that I had included one trial deposit and the withdrawal of the two trial deposits, but I could no longer enter those amounts on-line. I spent 38 minutes on the phone with the customer service XXXX number, at the end of which time they told me that I would have to set up the transfer again -- no help. When I tried to set up the transfer again, I called the local branch ( DC ) at which I had opened the account. After another 40 minutes, the branch told me that I needed to have the other bank ( XXXX ) verify that they can accept transfers. I explained that this was not the problem, that XXXX allowed transfers, but that the account was not validated because they had given me three transactions rather than two transactions. I called XXXX who verified that there was nothing that XXXX could do to verify or validate the accounts, but that they of course accept transfers to/from external accounts.
Company Response:
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
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 went online to view my statement and saw there is a charge for {$40.00} ( household? ), made on XX/XX/2021 at XXXX XXXX that I don't recognize. I tried to call several times to speak to someone about it but I could not understand the reps ( not speaking English ), and they were rude, and indifferent to my made known request to them about the issue. As a consumer, I have the right to question a unrecognizable charge on my target store card. They also need to vet their employees and make sure he/she can speak American English, afterall this is " America '', English is the first language of this nation, and it helps so English speaking customers can understand the reps when enquiring about their account.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have filled three complaints about racism at the td bank at XXXX XXXX XXXX XXXX, sc XXXX. This specific complaint I was targeted and my accounts were frozen and I had no access to my funds. I have been on unemployment from debt of GA for 9 months and received my deposit to this exact branch, now all of a sudden they stating its fraud because i live in SC. I live in XXXX Sc and drive to XXXX GA for XXXX for a year prior to being furloughed however I'm sure they are not doing this with everyone else. I was forced to send in paystubs, w2 forms, and unemployment proof from GA and I complied on XX/XX/21 however is XX/XX/21 and still have a freeze on my account. I feel that I being discriminated being an XXXX XXXX woman. Here we are in a pandemic and I'm already on unemployment that I can't receive. I then received my taxes and they froze that too. I am going to look into legal advice and the media to show how a XXXX women is being treated at a predominantly white city and bank over filling a discrimination complaint. If this was a fraud issue there was 10 months prior to the complaint to take these steps. Now I'm receiving the run around and I also filled a complaint with the OCC. My next email is to the attorney General Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
Company Response:
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I paid this line of credit off early and there are no fees for paying early. I was charged {$80.00} twice when I paid {$6000.00} on XX/XX/XXXX. Interest charges throughout the loan were not calculated correctly. I paid because I was afraid of reporting me late. I have over paid by at least {$500.00}. My last payment was {$180.00} and paid on line and was final payment. I am done with banking violations! I spoke with Mr. XXXX from the CFPB the last complaint I made. Why is CFPB in place of you allow TD to keep committing banking violations.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have tried for nearly a year to resolve this matter directly with Target however they have taken an impossible position and continue to create a worsening credit situation and increasing debt for truly an unjustified position. Therefore I am reluctantly forced to appeal for your help. To summarize : When I moved in XX/XX/2019 it took some time for the mail forwarding to catch up to my new address AND somehow during that time my auto pay ( which had been set up on this card since the date of opening ) was canceled. In XX/XX/2019 I made a purchase at Target and had a balance owing of {$19.00}, I have since been charged a {$40.00} late fee per month and my credit score has been ruined by Target. When I realized the problem in XX/XX/2019 I paid off most of the merchandise balance, Paid $ XXXXand then again in XX/XX/2019, XXXX : {$80.00}. But they applied those payments towards Late fees so I could never catch up. I tried on numerous occasions calling Target and explaining my position. But they would not fix the problem and continued charging me $ 40 monthly late fees. The balance is now over {$340.00}, and my credit scores are tanked. I live on SSI income and am in no position to ever be able to dig out from under these exorbitant fees.
Company Response:
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
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: I had a charge on XX/XX/XXXX for {$150.00} on XX/XX/XXXX. My charge was for {$29.00} on XX/XX/XXXX posting XX/XX/XXXX. I have been disputing this charge as the clerk at the store charged me for someone else 's items, voided it however it posted to my account. I have been asking for a update for-3 months, no one knows what to do or say. I was promised by XXXX, employee # XXXX a credit would be issued within 24-48 hours by manual adjustment however still nothing. TD BANK is the poorest servicer of any credit card I have ever experienced. They do not address issues or resolve them. They do not do right by consumers, they make excuses, and continue there agenda. TD BANK should NOT be allowed to do business in the XXXX if they continue not to make things right. I can't stand chasing this incompetent servicer.
Company Response:
State: HI
Zip: 96753
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I received a total of {$1900.00} in overdraft fees, service charges, maintenance fees related to fraudulent charges and disputes with creditors which caused my account to go negative. Unbeknownst to me, my account was in a classification of having maintenance fees of {$15.00} if going below XXXX and a forced overdraft usage if account is negative - TD will still cover the charges even if fraudulent, and force the consumer to pay {$35.00}, when a debit is presented, another {$35.00} when rejected, and yet another {$35.00} when TD bank puts it through again. Ive had balances of XXXX {$9000.00} through XXXX up until XX/XX/XXXX, when I became hospitalized with XXXX. During the time of my high balance, TD charged me fees, yet never paid interest or guided me to any higher account. Once I was hospitalized, there was fraud on my account and disputes. I contacted TD Bank Via live chat, customer service and email on XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, spoke to several representatives XXXX, XXXX, XXXX, XXXX, last was XXXX by email who stated she represented TD leadership and she called me verbally stating TD BANK has the right to charge overdraft snd service fees related to disputes with merchants even if theyre credited back to the consumer meaning even if there is a fraudulent charge or dispute- overcharge, and merchant credits me, TD bank will still keep those charge of fees on albeit merchant admitted to the errors and issued credits, TD bank takes further advantage of the consumer vulnerabilities and pockets the fees. Even if my account went below negative, TD bank paid transactions and then billed/ collected additional fees when my account had additional funds, on certain days collecting {$35.00} x4 on one transaction alone. When TD bank was notified, they did not care if their customer was in the hospital when these errors occurred, or that I held $ XXXX balance for over a year in a simple checking with no benefits. They aim to be profitable by charging the little people and draining us dry. I am told this is illegal, it is illegal to overcharge overdraft fees, illegal to keep fees in relation to fraudulent and erroneous charges, illegal to charge for overdraft protection when I never requested it in the first place. There is {$1900.00} in fees of illegal overdraft, service and maintenance fees that were stolen by TD BANK and must be returned to my account.
Company Response:
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted the company to confirm that the account was closed. After about 1-2 weeks the account was still being posted as open on my credit report. I contacted XXXX in order to open a dispute. My account was updated with information that the account was closed at my request, but still remains on my credit report as open. This is the case for all 3 credit bureaus. Though it is not shown on the letter, the Customer Service representative mentioned that according to their records the account was closed in XX/XX/2020.
Company Response:
State: VT
Zip: 052XX
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I was logged into my TD Bank online account for my TD checking on XX/XX/XXXX. When exiting online session I was presented with online ad for the TD Bank XXXX XXXX open a new TD savings, deposit $ XXXX in new money within 20 days and keep on deposit for 90 days to receive {$200.00} bonus. Sounded great so I opened online on XX/XX/XXXX. I made the $ XXXX deposit on XX/XX/XXXX in person and asked XXXX to confirm my eligibility for the promotion and she said I was " all set ''. On XX/XX/XXXX I sent a message thru TD Secure Message center as I did not see the {$200.00} promotional credit. I was told in a reply that the $ XXXX deposit was 6 days after deadline but that was not correct. On XX/XX/XXXX I told them to review calculations as I made deposit on day 17 before the 20 day deadline. They confirmed the calculation error and I was then told it should be credited later that night. It was not. On XX/XX/XXXX I called TD call center. XXXX said he agreed that conditions were met and didnt understand why it wasnt credited. Said he would escalate to XXXX and it should be credited shortly. It was not. On XX/XX/XXXX I called call center at XXXX spoke with XXXX but got unexpectedly disconnected. Called back at XXXX spoke with XXXX but got unexpectedly disconnected again. Called back a third time at XXXX spoke with XXXX who claimed there was no record whatsoever of XX/XX/XXXX call ( although I got an email Survey from TD Bank for the XX/XX/XXXX interaction ). I asked to speak with supervisor and was transferred to XXXX who now claimed that promotion was only eligible for brand new customers, not existing customers. I have screen prints of all promotion details that were presented during my online session and there is no notation that promotion is only eligible for new customers.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Target reported a change of address on my credit report which is not true. I called them numerous times which I was told by XX/XX/2021 it would be corrected as well they sent me a letter letting me know it would be corrected. Till this day its still on my credit report.
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A