Date Received: 2023-06-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is my first bank account and I lost my job, i also lost my card due to my moving process. Overdraft fees was put onto my account that i didnt know of, also a fraudulent check was put onto my account which I had absolutely no clue of. I was getting paid monday so i can pay my overdrafts and i was informed by a representative that my account is in the process of shutting down. How do i reverse this?
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I found a fraudulent charge on my bank statement showing XXXX XXXX with a name I did not recognize. I almost rarely use XXXX XXXX. The only time I ever use XXXX XXXX is to send to XXXX which is a delivery service locally near me. I filed a dispute with my bank and they denied my dispute stating that I need to address it with XXXX XXXX. I researched the so called name next to the XXXX XXXX name on my statement and it looks like its a fraud account, scamming people online using con XXXX schemes and blackmail promotion. TD Bank is allowing this take place. I kindly asked TD bank multiple times to block any XXXX XXXX future transactions and they chose not to. I had someone try setting me up on XXXX with money laundering. TD did nothing about basically other than close my XXXX account. I got these nasty criminal hackers targeting me and TD just sits there ignoring it. I'm tired of being the victim. If you search the web, XXXX, XXXX XXXX, blackmail and XXXX XXXX, you'll find all sorts of crimes.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Complaint Regarding Deceptive Marketing and Closure of Credit Card Account I am writing this letter to express my deep disappointment and frustration with the recent experience I had with TD Bank. As a long-standing and loyal customer, I have always trusted TD Bank to provide excellent services and maintain transparency in their dealings. However, a recent incident has left me questioning the integrity of your institution. On XX/XX/XXXX, I received a marketing offer in the mail, addressed to me personally, signed by XXXX XXXX, Vice President of TD Bank. The offer detailed an opportunity to upgrade my existing TD Credit Card to a new TD Credit Card, boasting improved features and benefits. Enclosed, I have attached a copy of the marketing offer for your reference. Excited about the potential benefits of the upgraded card, I promptly contacted TD Bank 's customer service on [ date ] to proceed with the upgrade. To my utter surprise and dismay, I was informed that my credit card account had been closed. This revelation came as a complete shock, as I had not received any prior communication regarding the closure of my account. The discrepancy between the offer I received and the subsequent closure of my credit card account has raised serious concerns about TD Bank 's deceptive marketing practices. It is inconceivable that a representative of your institution, XXXX XXXX, would sign a letter with an offer asking me to upgrade my card, only for me to discover that my account had been closed without any prior notice or explanation. I have been a loyal TD Bank customer for many years, entrusting my financial needs and maintaining multiple relationships with your institution. However, this unfortunate incident has severely eroded my trust in TD Bank 's commitment to customer satisfaction and ethical business practices. I kindly request a thorough investigation into this matter and immediate resolution to reinstate my credit card account or provide a satisfactory explanation for its closure. Moreover, I expect appropriate compensation for the inconvenience, frustration, and potential damage to my credit history caused by this unjust closure. If this matter is not resolved in a satisfactory manner within a reasonable timeframe, I regret to inform you that I will be left with no choice but to consider closing all my existing relationships with TD Bank. It deeply saddens me to contemplate severing ties with an institution I have trusted and relied upon for so long, but I can not continue to maintain a relationship with an institution that engages in deceptive practices. I trust that TD Bank will take this matter seriously and take swift action to rectify the situation. I look forward to a prompt response addressing my concerns and providing a resolution. Thank you for your attention to this matter. Yours sincerely,
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I've had several bank accounts open in my in Florida with TDBAnk and it has led to me being unable to any other accounts. I had my address changed illegally, and I owe over XXXX plus with these accounts. I have copies of those I can mail to you as I do not trust the system of uploading as that has presented a challenge as well. I am quite exhausted from trying to regain my name but it must be done. The following are the account numbers that I have received this information for. Please advise how to proceed.
Company Response:
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear Sir/Madam, I am writing to address a persistent issue regarding fraudulent charges on my credit card account. I have invested significant time and effort in resolving this matter through telephone communication, only to be instructed to repeat the process via fax once again. It is worth noting that I had already sent a fax in XXXX ( Subject : XXXX card ending : XXXX ). I opened an account/card with TD Bank called `` TD Cash '' in XXXX, after being enticed by their promise of XXXX foreign transaction fees. However, contrary to their initial offer, I have been unjustly charged foreign transaction fees while using this card. I have diligently honored my financial obligations and made timely payments. On XX/XX/XXXX, a fraudulent transaction amounting to {$6100.00} ( posting date : XX/XX/XXXX, reference # XXXX ) appeared on my statement. Additionally, on XX/XX/XXXX I incurred a corresponding foreign transaction fee of {$180.00} ( reference # XXXX ) for that fraudulent transaction. Consequently, the total amount of fraudulent charges reached {$6200.00}. Upon discovering these fraudulent charges, I promptly lodged a claim with TD Bank Card Services in XX/XX/XXXX ( case # XXXX ). I even visited the TD Bank branch located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, seeking assistance. However, I was informed by the branch manager that TD Bank and TD credit cards operate separately. Therefore, I was advised to contact the fraud department using the number provided on the back of my card, which I had already done prior to visiting the branch. Furthermore, I made efforts to reach out to the vendor responsible for the fraudulent charge on my card, demanding immediate repayment of the wrongfully charged amount. Despite my calls and emails, the vendor did not respond to my lawful requests. Interestingly, it appears that after TD Bank Services received my fraudulent transaction claim, the vendor responsible for the fraudulent transaction returned a portion of the charges, amounting to {$5900.00} ( reference # XXXX ) on XX/XX/XXXX ( posting date : XX/XX/XXXX ). However, this refund fell short by {$350.00} compared to the original total amount of fraudulent charges on XX/XX/XXXX ( posting date : XX/XX/XXXX, reference # XXXX ). To my dismay, TD Bank reinstated the fraudulent charge of {$6100.00} and {$180.00} on my account on XX/XX/XXXX and XX/XX/XXXX, respectively ( reference # XXXX ). This action forced me to pay a total of {$350.00} for the unauthorized fraudulent transactions, despite my multiple calls reporting the issue ( fraudulent transactions ) and my visit to the TD branch office. Consequently, I have incurred a loss of {$350.00}, which represents the discrepancy between the fraudulent transactions referenced as # XXXX and # XXXX. I demand full repayment of this amount. Additionally, the cost of faxing the related documents pertaining to Subject : XXXX card ending : XXXX amounted to {$8.00}. Therefore, I also expect to be compensated for the faxing costs, totaling {$8.00}. I request your immediate attention to this matter and a prompt resolution that addresses the fraudulent charges, compensates for the incurred loss, and reimburses the faxing expense. I trust that you will handle this matter professionally and ensure that justice is served. The math is easy here : {$6100.00} + {$180.00} = {$6200.00} ( ref # XXXX FRAUD ) {$6200.00} - {$5900.00} ( ref # XXXX returned by fraudster ) = {$350.00} LOSS to XXXX XXXX. {$8.00} faxing expenses. Total amount to be compensated by TD Bank Services for XXXX XXXX : {$360.00} IF TD BANK SERVICES DECIDES TO IGNORE MY LAWFUL DEMAND, I RESERVE MY RIGHT TO SEEK A RESOLUTION THROUGHT THE XXXX JUDICIAL XXXX XXXX XXXX XXXX. P.S. On XX/XX/XXXX, I received a letter from TD Bank informing me that allegedly, I must resolve directly with the merchant. Which is an unlawful, illegal solution proposed by the TD Bank Card Services, which also contradicts what the Fair Credit Billing Act states. Thank you! I hope to see the credit for {$360.00} reflected on my account immediately! XXXX XXXX
Company Response:
State: NY
Zip: 11704
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I closed on a home equity line of credit at the end of XXXX at local TD bank branch in XXXX, SC. There were 6 creditors to be paid off and as of XX/XX/XXXX, only 4 have been paid in full. I have contacted my loan officer numerous times and he told me that the checks got lost in the mail and would be resent. He told me to keep checking the accounts everyday and to keep him updated. I tried reaching out to him via email and phone and I got no response. I had to keep emailing and calling and leaving voice mails and then he finally called me back. I let him know my frustration and how disappointed I was in this process and that I shouldnt have to keep calling and calling and calling trying to reach him. And that this should have been resolved weeks ago. I have had to make all my XXXX payments for the credit cards that were supposed to have Been paid off when we closed back in late XXXX. And the TD bank loan for the home equity line of credit. Its now XXXX and XXXX XXXX and XXXX XXXX ( XXXX XXXX ) still have not been paid in full as of this morning, XX/XX/XXXX. I have called and emailed my loan officer and he has yet to respond to me. So therefore I am filing this compliant and hope that this can be resolved once and for all.
Company Response:
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I am writing to provide a detailed account of the multiple issues and discomforts my boyfriend and I experienced during our stay at the XXXX XXXX XXXXXXXX XXXX XXXX from XX/XX/XXXX to XX/XX/2022. As an advocate for consumer protection, I trust that you will carefully consider the severity of the problems we faced and the hotel 's failure to address them in a satisfactory manner. Upon checking into our room, we immediately noticed its uncleanliness and the pervasive foul odor that lingered throughout our stay. Additionally, we were horrified to discover bed bugs in our room. This caused immense distress, as we were forced to sleep in multiple layers of clothing to protect ourselves from being bitten. The hotel 's lack of basic sanitation and hygiene was highly distressing, and despite our repeated complaints to the hotel staff, no action was taken to either clean the room or offer us alternative accommodation. This glaring disregard for guest comfort is not only in violation of standard hospitality practices but also poses health and safety risks to consumers. Furthermore, the hotel staff behaved unprofessionally and unsettling, making us feel uneasy and unwelcome. Their conduct tainted our impression of the hotel and raised concerns for our safety and well-being. Our safety concerns were further exacerbated when we discovered that our suitcases had been rummaged through during our absence. This clear violation of our privacy and the hotel 's failure to provide adequate security measures left us deeply disturbed and constantly worried about the safety of our belongings throughout our stay. To add to our mounting dissatisfaction, the room 's refrigerator was malfunctioning, causing our perishable items to spoil. This inconvenience caused additional stress and resulted in financial loss due to the wasted food products. Considering the multiple issues we encountered, it is evident that the XXXX XXXX XXXXXXXX XXXX XXXXXXXX failed to provide the level of service and quality expected from a reputable establishment. As such, I respectfully request that you intervene in this matter and support our dispute claim to secure a refund for the charged amount of {$1200.00}. I would like to emphasize that we have made numerous attempts to resolve this issue directly with the hotel management, but they have not offered a satisfactory resolution or displayed any genuine willingness to address the matter. As consumers, we rely on regulatory bodies such as the Consumer Financial Protection Bureau to protect our rights and ensure fair treatment. I have made several attempts to resolve with both the bank and the hotel. Below are the dates and details of my efforts to resolve the issue with the hotel. XXXX. XX/XX/2022 : On the first day of our stay, I personally spoke with the front desk staff to report the uncleanliness of the room, the foul odor, and the non-functioning refrigerator. They assured me that they would address the issues, but no action was taken. XXXX. XX/XX/2022 : After discovering that our suitcases had been rummaged through, I contacted the hotel manager by phone to express my concerns about the lack of security and privacy. The manager apologized but did not offer any concrete solutions or compensation for the incident. XXXX. XX/XX/2022 : Following our stay, I sent an email to the hotel 's customer service department detailing our experience and requesting a full refund. The email was not acknowledged. XXXX. XX/XX/2022 : After not receiving a satisfactory response, I made a follow-up call to the hotel 's customer service department to reiterate my request for a full refund. The representative I spoke with stated that they would escalate the issue to the hotel management for further review. XXXX. XX/XX/2022 : Having received no further communication from the hotel, I sent another email to their customer service department requesting an update on my refund request. Unfortunately, I didnot receive any response to this email. Attached are the letters i submitted to TD Bank to support claim which has not been resolved.
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I was alerted of a hard inquiry on my credit report by XXXX. TD bank, a bank that I do not conduct business with, had received a request for a credit card with all my information without my knowledge or consent. I reached out to TD bank on XX/XX/XXXX and they said they could not find any account open under my name. I contacted XXXX and requested for the hard inquiry to be removed from my credit history and an alert of identity theft. On XX/XX/23 I receive at my home address a credit card from TD bank with a {$15000.00} credit limit. I reached out to them again and reported this as fraudulent and requested to close and remove the hard inquiry from my credit. They were very unhelpful and refused to provide me any information on how they obtained my social security number, personal information and consent to pull my credit and open an account under my name.
Company Response:
State: MD
Zip: 21037
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: A check was sent to TD BANK N.A. Processing center in Maine. The check was sent from the PRIVATE side of the bank account ( look up definition of closed account blacks law dictionary ). The paper check was sent as an E.F.T ( ELECTRONIC FUNDS TRANSFER ) not as a Deposit which means the credits transfer on the spot. ( Look up Title 15 7001-7003 of the ELECTRONIC SIGNATURE ACT ) everything is Legal!! So TD BANK N.A. Executed the E.F.T for {$350000.00} on XX/XX/2021 which was the full amount due on mortgage. TD BANK N.A. Then put the {$350000.00} of credits into what is known as an UNAPPLIED FUNDS ACCOUNT. ( Look up definition of UNAPPLIED FUNDS ACCOUNT ). 4 days after putting {$350000.00} into the UNAPPLIED FUNDS ACCOUNT TD BANK N.A. APPLIED THOSE FUNDS but NOT to the LOAN. Where did the {$350000.00} go??? It just disappeared!!! Without a trace. On XX/XX/XXXX we received a letter from the Insurance company for the home insurance Saying that the coverage has ended because TD BANK N.A. told them the LOAN WAS PAID IN FULL. I have all the Evidence and documentation for everything!!! Dates, times, amounts, letters, paperwork etc. I have it all that TD BANK N.A has committed BANK FRAUD. WIRE FRAUD. EMBEZZLEMENT among other things. And lying about the ORIGINAL NOTE they say they have in there possession!!! They Do Not!! TD BANK N. A. Sold the ORIGINAL NOTE the second the MORTGAGE was signed. This needs to end. The MORTGAGE is DISCHARGED in Full. And they need to be held accountable for there actions. When you need all the EVIDENCE in this case I have everything!!! Every payment, date, account, amount, I have it all.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Yesterday, on XX/XX/2023, {$1000.00} was deposited at the ATM terminal, located in the front of the bank. I deposited {$1000.00} and the money still hasnt been credited to my account. I contacted the bank yesterday, and I called them today, I also called the corporate office and spoke to a teller at the site : TD Bank XXXX XXXX XXXX XXXX XXXX , NY XXXX I was asked to come into the location and speak to a CSR, and they did not assist me or provide any assistance with this transaction and the ATM issue. In the past, mostly of recent, there have been numerous instances where debit cards have been ordered for my checking account and the numbers for the cards associated with my account have been placed to be viewed within the online banking modules. When I asked the CSRs, tellers and bank manager at this site, they all told me that they can not remove the cards that were linked to my checking account and did not provide any information that was related to the cards that were associated with my checking account. I never consented or I never requested these cards to be ordered for my account. The banking team at this branch has provided my US Passport to others without my consent by the accessing of my storage box. In one visit at this site, one of the CSRs provided information to me that my friend, XXXX XXXX, came into the bank and impersonated me. The CSR told me that I looked exactly as XXXX XXXX and he looked exactly as me. I asked the bank manager if he knew this person, and he told me that he did not, and he also told me that he does not know his ex-bf, named XXXX, whom was once a teller/CSR at this site. The bank manager provided information to me that him and his team was not acquainted with this individual ( XXXX ) and the entire team was rotated and the members of this team were entirely new to the site. I have been told by numerous people that I know that XXXX XXXX has been impersonating me, and forging my signature. I am concerned that XXXX XXXX may have been the person to access my safe box.
Company Response:
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A