Credit card -- Advertising and marketing, including promotional offers -- Complaint #8726213
Complaint Overview
Complaint ID: 8726213
Company: TD Bank US Holding Company
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: New Jersey
ZIP Code: XXXXX
Date Received: 2024-04-08T12:00:00-05:00
Date Sent to Company: 2024-04-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against TD Bank concerning multiple instances of mishandling, lack of communication, and unprofessional conduct. As a consumer, I have encountered numerous issues with TD Bank 's services, particularly regarding the handling of convenience checks and subsequent customer service interactions. On multiple occasions, TD Bank sent me convenience checks, ostensibly for use against my TD Bank credit card limit. However, my attempts to utilize these checks have been met with frustration and incompetence on the part of TD Bank. Specifically, on XX/XX/2024, I attempted to deposit a convenience check in the amount of {$19000.00}, out of my {$20000.00} credit limit with TD Bank. Despite promptly informing TD Bank via its message center on the same day, I received no acknowledgment or response from the bank. XXXX days later, I received notification from the financial institution where I deposited the check that it had been returned without cashing it, citing reasons unknown to me. TD Bank failed to communicate with me regarding this issue, leaving me uninformed and bewildered. Subsequently, on XX/XX/2024, I reached out to TD Bank once again, informing them of my intention to use another convenience check and requesting that they honor it. Despite my efforts, I received no response until I resorted to contacting TD Bank 's CEO, XXXX XXXX, via the bank 's XXXX messaging system on XX/XX/2024. Then, TD Bank sent me another batches of convenience checks and emails to encourage me to use the credit limit against my credit card. Therefore, I attempted to deposit another convenience check sent to me by TD Bank in the amount of {$6000.00} on XX/XX/2024. Once again, the check was returned uncashed on XX/XX/2024. Additionally, on XX/XX/2024, I received an email notification from TD Bank informing me that my personal online banking username had been retrieved, despite my not initiating such action. Upon calling TD Bank 's customer service line, I encountered another unhelpful representative named XXXX, who failed to address my concerns and seemed disinterested in assisting me. I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against TD Bank for its failure to uphold basic standards of customer service and consumer protection. Additionally, I demand reimbursement of return check fees and honor its offering of using up to {$20000.00} of my credit limit. Thank you for your attention to this matter. I look forward to a swift resolution and appropriate measures to prevent such incidents from occurring in the future.
Frequently Asked Questions
What is Complaint #8726213 about?
Complaint #8726213 was filed against TD Bank US Holding Company regarding Credit card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2024-04-08T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.