Date Received: 2023-02-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Between XX/XX/XXXX and XX/XX/XXXX I made a total of ten payments to two different TD Bank credit cards from my XXXX XXXX XXXX account. The money came out of my account, but was never credited to either TD Bank credit card. I have contacted both XXXX XXXX XXXX and TD Bank Card Services multiple times. XXXX XXXX XXXX explained to me that the electronic transfers came out of my account and gave me proof of the electronic payment made to TD Bank. TD Bank Card Services has been extremely difficult to deal with, and seems to have no record of any of these payments. Additionally, I have to explain the entire situation to a new person every time I get on the phone. On XX/XX/XXXX, after hours on the phone with TD Card Services, a representative asked me to send a paper letter with the print outs of the proof of electronic payment. I did so on XX/XX/XXXX When I followed up by phone multiple times, no one seemed to know what I was talking about. The total amount I have paid to TD Bank credit cards, for which I have proof of electronic payment, is {$2200.00}. Here are the dates and amounts of the missing payments : XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX XX/XX/XXXX for {$530.00} to the account ending in XXXX XX/XX/XXXX for {$72.00} to the account ending in XXXX XX/XX/XXXX for {$280.00} to the account ending in XXXX This money that has come out of my bank account, but not been credited to my TD Bank credit cards, has been accruing interest for almost two years. Additionally, I have wanted to pay off both credit cards in full, but I have been unable to because I don't know exactly how much I owe due to the fact that 10 payments were uncredited.
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: It is about a fraudulent charge using my information. I did not open any account with TD bank. I just found this charge when I was applying for a loan last month. So I called TD bank and informed them about this charge under my name in error. I was transferred to the fraud, department, then to their recovery department, then back to credit card services, then they transferred me to XXXX. Each time that TD Bank transfer me it takes about 30 min or more to wait. So I have been spending at least hours to get them and talk to the. TD bank has been reporting me as delinquent since XXXX so I can not get a good interest rate and it is impacting me financially. I called them again later part of XXXX and after so many transfers and waiting on the phone, they told me write a complaint and mail it. A copy of which in enclosed. I called them again today XXXXand after so many transfers and waiting, I was told call the credit bureaus
Company Response:
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was looking over my emails when I noted a message from TD bank that informed me that my account was ready for my first deposit. The account had been opened yesterday, XX/XX/2023 using my email of XXXX. I had not opened a new banking accounts and did not use my email and evidently the account was opened using my social security number. There had been no deposit as of this morning XX/XX/2023. I called TD bank as soon as I saw the bank notifying me that my account ( per-se ) was ready for my deposit. I had not known of this bank or its name until today. TD banking has closed the account opened in my name and my social security number. The account was immediately closed and I was informed by TD bank that my identity had been stolen. The bank has sent a notice to their customer fraud account. I was informed that I would receive a letter in the mail giving me information as to the fraud and that TD bank does an investigation as well as reporting this to consumer crediting monitoring that the bank has for such instances. I was directed to file a report with the FTC that lead me to this site to report stolen identity. TD banking has given me a year of free credit monitoring but also recommended that I purchase an account elsewhere for credit monitoring as TD bank took a few weeks to start. I notified my husband of this occurrence. If needed I have the last four numbers of the checking account whereas I had my identity stolen. The TD banking was helpful and informative. I was also was told that it would be a good idea to close my aol account to further more protection. I never give out my social security number or show the card to anyone except the IRS or if I am at the SOCIAL Security office so I am at a loss to understand how this can happen but TD bank said there are more than 10,000 identities per month in the United States.
Company Response:
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Mailed a corporate check for {$88000.00} to XXXX on XX/XX/XXXX. Check was intercepted in the postal system and then presented at TD bank in XXXXXXXX XXXX on XX/XX/XXXX. The check had been washed but only the name of the addressee had been changed. No changes to : pay to, amount, check number. TD took the check on deposit for a new account. TD called to inform us that they thought this might be a fraudulent transaction. Unfortunately, because the teller took the check into TD bank even after realizing it was fraudulent my funds were transferred to TD bank. I now had to start the process of police reports, affidavits from both me and our payee in XXXX. I was told by my bank, XXXX that all I could do was provide any documentation requested and wait. XXXX XXXX informed me on XX/XX/XXXX that TD had been informed and that TD had 90 days to respond. I did finally get my money back on XX/XX/XXXX. Because it was such a large sum I had to access our corporate LOC for operating capital at a cost of $ XXXX week interest. This is all the result of a bank employee at TD bank in XXXX XXXX not handling the transaction correctly and taking funds clearly not designated to this customer and appearing fraudulent into deposit. The result was a lot ofXX/XX/XXXXand {$1600.00} in unnecessary interest expense with no communication and no recourse to TD bank.
Company Response:
State: NY
Zip: 14623
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
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: This complaint is related to my previous complaint against TD Bank. The card accepted charges of XXXX XXXX XXXX, XXXX XXXX although those services were terminated on XX/XX/2022. I systematically disputed those charges and even stopped to use that card. Eventually we agreed that the charges would be removed, and a new card would be issued. When I received that new card and used it once but was shocked to get " previous charges of {$280.00}, Late payment fee of {$29.00} and Interest charge of {$5.00}.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had applied for a loan with a company. Recieved a call back from XXXX XXXX stating I was approved. It turned out to be a scam. The scammer told me to go to XXXX & send the money back, which I did using my bank debit card. It was about XXXX hours later they deposited another amount into my checking & told me I had to send it back, Which I did. This happened XXXX XXXX times. Checking my checking account I saw that the checks XXXX XXXX deposited were from XXXX XXXX & my name was forged on the back of the checks. Attached is proof of scam & phone numbers used by scammers. The scammer used the name XXXX XXXX and the following numbers XXXX, XXXX, XXXX, XXXX
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Problem when making payments
Subissue:
Consumer Complaint: In XX/XX/2017 I signed paperwork with TD Bank in XXXX, NJ for a {$15000.00} installment loan to consolidate and payoff my credit card debt. I signed up for autopay from my checking account which is with TD bank. The loan term was for 60 months and TD bank was to debit all XXXX payments automatically from my checking account. Just recently I went to apply for a auto loan and to my surprise and anger on my credit report there is a charge off for {$320.00} from TD bank. This dropped my credit scores well over a XXXX points. I contacted TD bank customer service and asked them why my last payment was not auto debited like my previous XXXX payments. They told me that the last payment was supposed to be paid manually by me. I looked at all my signed paperwork that is still with me and no where it is mentioned that the last payment was to be made manually nor was it disclosed by the bank agent when I signed all the paperwork at TD Bank in XXXX, NJ on XX/XX/2017. Both my checking account and installment account is paperless. I spoke to TD bank in the recovery department who was trying to collect a debt and he mentioned that on the intra bank authorization form is where it should indicate that last payment is made manually. I told him no where on my signed XXXX bank authorization form did is say this. He told me to contact the XXXX branch and ask them why they didn't auto debit my last payment and they would go about rectifying this huge mistake. I spoke to a assistant branch manager XXXX on the phone at the XXXX TD bank branch and she contacted the appropriate people who handle this and told me it was a clerical error and to give her XXXX to XXXX days to get back to me. Today she told me that her supervisor said that TD bank mailed be letters after they didn't take the last payment and it is my fault. I told them I didn't receive any letters from TD Bank and to provide proof of delivery. I told her that my checking account is paperless and my installment loan payments were set up for autopay when I signed all the paperwork on XX/XX/2017. I have all the installment loan paperwork and there is no mention of the last payment being manually. I believe TD bank has violated some laws in the truth and lending disclosures.
Company Response:
State: NJ
Zip: 08857
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Td bank locked my account for fraud but I had no acknowledgment to due to me loosing my wallet and phone and I made a report on it already but everytime I visit the branch they tell me wait to 2days and nothing happens but its going on 3weeks and when I try to get in contact with somebody they never answer or gives me a call back
Company Response:
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received email from TD Bank XX/XX/XXXX regarding a new opened Checking Account and a new Debit card being shipped, contacted TD Bank XX/XX/XXXX to report Fraud, TD Bank closed account and directed me to the Fraud Dept in which the opened account was closed as Debit card terminated
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have bank with the following Banks in XXXX SC XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and TD Bank and now XXXX XXXX. This complaint is about TD Bank and XXXX XXXX XXXX bank both these banks is where XXXX XXXX have worked and possibly XXXX XXXX XXXX where I have had money stolen from and identity. When I started having problems with TD Bank I recognize who she was from other bank her name now is XXXX XXXX XXXX. I told her that I recognize her and we talked for some time in her office. I immediately left and called to speak to someone in a regional office XXXX who never returned phone call after his first intinal call. I told him my account was coming up short for the past couple of months since XXXX XXXX XXXX was there and I would add up everything and call back but he didn't return call. I have had XXXX XXXX dollars stolen from XXXX XXXX XXXX XXXX and XXXX from XXXX XXXX XXXX and TD Bank at least XXXX .I don't know what to do please help me about this situation that is getting worse instead of better I am tired of being bullied by whomever causes me all kinds of problems with bills and identity theft issues. Someone also has a duplicate copy of my XXXX and tried to get money from bank account at TD Bank but XXXX XXXX XXXX recognize person wasn't me I got a police report number and tried to get footage but XXXX said I need to have the exact date and time. I need someone to look at what has happened to me at TD Bank my account I left soon as I recognize XXXX because I started having so many problems and alert coming to my phone day and night I just took the last money I had and went to another bank so person kept trying to get money from ATM at XXXX I would get alerts to my phone person drives a gray car what kind I don't know but XXXX XXXX XXXX at Bank when it happen XXXX XXXX XXXX
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A