Date Received: 2023-03-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I opened up a TD checking account online. After my debit card arrived in the mail, I went to my local branch to complete my first deposit. My first deposit was a check in the amount of {$8300.00}. The check immediately cleared the very next day, and the funds were deducted from the check writers account. The first {$100.00} of the check was made available, and the rest was on hold for a period of 6 days. After the 6 day hold period, I attempted my first transaction which was immediately declined. It very alarming and frustratingnot to mention embarrassingto get an alert that your bank account transactions are declined. It's even worse when you find out after trying to use your debit card for something as important as rent. I called TD bank and was told that they wanted to make sure that it was me attempting the charge, and that my debit card was locked for my protection. I was told that they would unlock it and I could now my transactions would be approved, and my digital card would reappear within the mobile app. Upon checking this, I now found out I was now locked out of the app and unable to access my account. After calling TD yo resolve this. I was told to go into a branch with a photo ID. Upon going to the branch on XXXX XXXX XXXX XXXX XXXX and speaking with branch manager XXXX XXXX. I was told that my account was closed, and it was due to fraud. Completely confused and in shock, I said it was impossible and asked if there was any proof I or him could provide. I was told no, and that the account would be closing and I would be sent a letter in the mail. After waiting two weeks with no letter in the mail, no access to my account, and no information I called TD and they told me my account was not closed or going into closure that this was completely false as it is in a frozen state where transactions are not allowed in and out. When asked the reason for this, TD could not and would not provide one. I have been to multiple branches, called multiple times, attempted to close my account, and TD has stolen my money. They claim fraud but refuse to return the money to its original origin I have been unable to collect the funds for over a month, and on XX/XX/XXXX TD JUST NOW CLAIMS the check is unverified If a bank has reasonable cause to doubt the collectibility of a check ( e.g., doubtful collectibility ). Banks must provide notice to customers of doubtful collectibility, including the specific reason. So I ask TD, * Who is conducting the suspicious activity? * What instruments or mechanisms are being used? * When did the suspicious activity take place? * Where did it take place? * Why does the filer think the activity is suspicious? TD has a habit of stealing funds and falsely placing holds on accounts. The check is not fraudulent, the check has not been returned, the funds were available for the check to be cleared, I do not have any overdrafts or judgements connected to my account, I have completed all holds, TD just refuses to release the funds at this point illegally. And have yet to send any notifications. They have lied and lied about the status of the account with no paperwork. I also cant get a new check written because TD bank refuses to even return the funds back to its original origins.
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Td bank is denying my claim for fraudulent activity on my debit card, I went to a branch in XXXX NY on XX/XX/XXXX asking for help on my account as I saw these unauthorized transactions they told me that theres nothing they can do until the pending transactions post on the account. When I asked them to freeze my account while these transactions were occurring they told me there was nothing they could do as the transactions were pending. I told them I was traveling outside the country soon but I wanted to resolve this before I left. They told me I would have to monitor the transactions and once they post then the bank would be able to help me. When I went to the branch again in XXXX NY on XX/XX/XXXX they were able to help me close my account and issue me a new debit card. They told me it takes 7-10 business days to be given a provisional credit. I called in to customer service on XX/XX/XXXX and they had messed up the transactions that were disputed, they told me that the claim was denied as there was no incorrect pin used. Then they told me they can refile a claim for me and told me the same it would take 7-10 business days to get refunded. Then I called in again the following week on XX/XX/XXXX and they told me it was denied again and that I should get a police report. I went to the police and they informed me that Td bank is aware to give their customers an affidavit, to come with that affidavit with the police report. I went back to the branch on XX/XX/XXXX and they printed out the statements and affidavit for me. They said that Td bank never filed the claim initially and thats why I was having these issues. Someone needs to hold Td bank accountable. Td had also said that my card was not used after reporting it but it was used at XXXX XXXX for XXXX on XX/XX/2023. At the branch on XX/XX/2023 they told me that the other branch didnt file the claim initially. I am awaiting a police report number from the police they told me it can take 2 or 3 days. TD Bank has told me that once I get the report number that the branch will fax it to them and that this can take anywhere from 14 days to one month. Td bank and its representatives have been extremely careless, they do not care for their customers yet we entrust them to hold onto our money. In addition I have went to three different police departments, multiple different branches, I am at a branch today on XX/XX/2023 a representative by the name of XXXX XXXX is helping me refile a claim he says what I have brought is not a police report. I explained to him that Td bank can get the report online, the document I brought him has the officers name, shield number, date and report number. Td bank is not accepting responsibility the amount I am owed is XXXX. Why would TD Bank refund me the XXXX but not my remaining balance? Clearly the branches have conducted in error, I went to the branch within a timely manner to report the fraud on my account, I did everything they told me to do. Yet they are denying my claim for the following reasons : Card present attempts after card closure which may indicate whomever is using the card is aware that it is Successful online banking logins occurring during the disputes time trame, indicating customer was aware of balance and transactions Unable to determine fraud occurred. Card was used on XX/XX/2023 at a XXXX XXXX in XXXX based off of what it says online. Clearly TD banks conduct and investigation has not been through or proper including the assistance from staff in multiple TD branches. The requested resolution is to refund me XXXX immediately otherwise this matter will be taken to small claims court. According to the federal Electronic Fund Transfer Act, your liability is up to {$50.00} if you notify the bank within two business days after you realize the card is missing. I reported this to the bank within a timely manner yet they did not take any action.
Company Response:
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
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: TD Bank Dispute Department TD Credit Cards XXXX XXXX XXXX XXXX. Ga XXXX We noticed that a merchant was charging our credit card XXXX, for services we did not use. In fact, we did not even know who they were. So TD open a case number XXXX in XX/XX/2022, and told us they would resolve our dispute. TD also said, they would close our a/c, as is the standard procedure. XXXX. TD did not close the a/c. .It took 4 calls to finally have them close the a/c in XX/XX/2022. The merchant kept charging the a/c all that time. 2. When I called to find out the status of my claim, I was told that I could not speak to the dept., and it was unresolved. I made calls every month. The last call I made, the clerk said there was no case for this at all. We have stopped doing business with the months ago, and they keep sending us a bill which has the uber charges in it, The XXXX charges amount to {$800.00}. or more. I don't know what to do to get this reconciled. Sincerely yours, XXXX XXXX
Company Response:
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I was using my account normally, I made a deposit via cash & check. All my funds cleared and have been held by for over a month. My account has been frozen and walked into the branch multiple times to just close it and called every number but they've done nothing and at this point I feel like I've been robbed of {$270000.00}
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 2 separate hard inquiries on my XXXX report. One from XXXX XXXX, and one from Nordstroms
Company Response:
State: CA
Zip: 92675
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On or around XX/XX/XXXX, I received a bank statement from TD Bank for an business account that I did not open. On XX/XX/XXXX, I spoke with a branch manager and customer service rep at a XXXX, MA TD Bank location, and neither of them could tell me who opened the account. They told me that the account was opened online and provided me with the XXXXertificate Regarding Beneficial Owners of Legal Entity Customers. ( See attached ) When I XXXX the source of the deposit ( XXXX XXXX ), I found the following : XXXX XXXX XXXX XXXX XXXX XXXX is a recoverable assistance program offered by the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( the Bank ) that helps members provide financing for qualified small business transactions by. filling the gap between what the member can finance and the loan request by the eligible small business.XXXX XXXX XXXX I did not request this loan. I do not want this loan. I did not open this account. I believe this is a fraudulent attempt to sign me up for a business loan. The Branch Manager offered to close the account and give me the money in the account. I did not accept this because I believe that it would mean I accepted the loan ... .which I didn't request and don't want!
Company Response:
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: so we requested for currency change to get XXXX dollars a week before XX/XX/XXXX from our td bank. so when we went for pickup they give us XXXX XXXX dollar they took our td bank debit card for transaction so the employee of the bank gave us the money and said we all ok we count money in front of her twice and everything was good they give us receipt and we went home. so now after XXXX months all of sudden on XX/XX/XXXX they took XXXX $ from my checking account without notify me and without giving me any reason so when i saw my XXXX $ debited from my account i called td bank right away and they give me the excuse that they didnt charge us full amount for the currency exchange which i dont even remember how much they took from my account on XX/XX/XXXX XXXX i approach the bank and tried to talk to manager the manager wasnt there so it took me two or three times to meet the manager so when i talk to manager they give us this self written by pen that they didnt charge XXXX $ they write that it supposed to be XXXX and they charge us XXXX $ i am feel like i amscamed that they just took my money from my account without no mail email or phone was recieved and they said they can do that without any notification i am not satisfied with their service because if i didnt pay them the exact amount which they took by themself from my card they usualy charge within a week how come they didnt realise they didnt charge me the full amount after XXXX months. i am not satistfy at all so i would like to get my money back i am not working hard to pay them for nothing
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX should only sell large Appliances through dealers and discontinue selling online. I purchased a XXXX XXXX online because it listed a {$400.00} discount. It was a total disaster. Later, I learned XXXX offered the same discount although they didnt advertised it. 1. Defective Product. The large appliance was a refrigerator purchased online from XXXX. It was delivered by XXXX, a delivery and repair service for XXXX. XXXX made XXXX trips to my home and spent 3 months before the refrigerator was acceptable ( XX/XX/XXXX- XX/XX/XXXX ) : dented doors, wrong model doors, two right doors shipped together, etc. ). 2. Incorrect Fee Charges. I accepted a deferred interest payment plan. I bank online and requested online statements ( see item 4 ). I set up all payments in XX/XX/XXXX, when the refrigerator was finally acceptable, of {$150.00} per month for 11 months and a final payment of {$110.00} on XX/XX/XXXX ( total {$1700.00} ). This equaled the total amount due on the shipping & billing document given to me by XXXX ( see documents 1 & 2 ). Apparently, I missed something as my account was charged {$290.00} on XX/XX/XXXX for deferred interest ( over 30 % average monthly outstanding? ). 3. Bad Customer Service. XXXX banking partner, TD Retail, is impossible to communicate with. I have been working on a resolution for 3 months. I called XXXX and the automated attendant did not offer any option to speak with an individual. On the 3rd call, I tried using 0 for the operator and after a 20-minute wait, was successful in talking to a live person. That person instructed me to go to the web site onlineaccount.net '' and fill out a dispute form. I did that and filled in the form, sent it snail mail as requested and also emailed it to TD Retail ( see document 3 ). I have since dialed XXXX selecting 0 many times. Invariably I get the following results : a. Sorry, I dont have the authority to make adjustments or b : The line is dropped transferring the call to another person to assist me. Never any answers. 4. Major Deficiencies in the Customer Service Portal. Getting the site to open is problematic. Sometimes anti-virus warns not to open the site and other times the system is down ( see document 4,5,6 ). Statements can not be rendered to the screen or downloaded ( document 7 ). An incomplete list of transactions can be rendered ( document 8 ). I have called concerning these problems, but those answering do not know how the system works and phone transfers to a knowledgeable staff invariably result in dropped calls.
Company Response:
State: KS
Zip: 66216
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to file a complaint against TD Bank for their failure and denial to respond to my request for a correction on my credit report, regarding the way they have been reporting my business credit card information on my personal credit report. Despite repeated requests to stop this practice, I have noticed that you continue to report my business information on my personal credit report. This is causing serious damage to my personal credit rating and making it difficult for me to obtain credit or financing. Despite numerous attempts to resolve this issue with TD Bank, I have received no satisfactory response. XXXX XXXX XXXX XXXX I have made multiple attempts to resolve this matter with TD, including emails, phone, and in person. However, I have received no resolution or acknowledgment of my concerns, all I have gotten is that they won't stop. I believe that TD Bank 's actions are in violation of several laws and regulations and are causing me significant financial harm and distress.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 target red card, took it among their selves to charge my bank account {$630.00} without my permission, and without my knowledge. there was no automatic pay and I did not schedule an ACH payment. I made the number of complaints prior to this company. Because of this issue I had to spend my time calling my bank to dispute the charge. if I did not give them permission to do that, they had no legal right to pull out {$630.00} from account because of this, I had other transactions didnt get paid and I occurred fees of {$170.00}.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A