Date Received: 2023-02-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX informed me via email that they had not received my rent check for the month, which is {$2200.00}. I did not see this email until the evening of the XXXX and called TD Bank to confirm that the check I issued had been cashed. Checking my online bank account I confirmed that the check had been cashed but the image of the check showed the check was not endorsed. TD Bank confirmed that the check was not endorsed and should not have been processed by their payment system. On the morning of XX/XX/XXXX I went to my bank branch, XXXX XXXX, XXXX XXXX XXXX XXXX, and filled out their " Affidavit of Forgery : Forged, Counterfeit, Altered or Stolen Check ( XXXX ) & Unauthorized Withdrawals '' form, closed my account, and opened a new account with TD Bank. On XX/XX/XXXX I was informed I should return to the bank to sign TD Bank 's " Affidavit of Payee Claims Non-Receipt/Missing Endorsement ''. Both documents were notarized at the bank. I informed the US Post Master General that the check was stolen from a mailbox and opened a case #. I have spoken to TD Bank XXXX Fraud Resolution department several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about the return of my money and was informed TD Bank could investigate the fraud for 120 days from the time of the reported fraud. This is unacceptable as TD Bank is fully at fault by cashing an unendorsed check. I need this money for a surgical procedure and have informed TD Bank of this to no avail.
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: We purchased a XXXX XXXX on-line in late XXXX of XXXX. It was delivered by Asurion ( delivery and repair agent for XXXX ) in early XXXX with both upper doors damaged. Over the next 2 months XXXX stopped by 4 times before the appliance was acceptable. At first the upper doors delivered were to another model. Next both doors shipped were for the same side. Next the other door arrived and was installed correctly, but while XXXX removed the shipping tape, the freezer door finish was damaged. Finally, in early XXXX, a new freezer door arrived and the XXXX was accepted by us. XXXX in XXXX XXXX should be able to verify this information. https : //www.asurion.com/repairs/appliance/ At that time, I set up payments for {$1700.00}, starting in XXXX, in my online banking account at XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) based on the Shipping & Billing sheet ( attached ). The automatic payments of {$150.00} were set to pay at the end of the next 11 months with a final payment of {$110.00} to be paid the XXXX month.A copy of these transactions by XXXX Bank is attached. I have received some statements from XXXX XXXX but I have been unable to make sense of them. I have sent, therefore, similar information contained in this email to TD Retail services at least twice using the reply mail envelope enclosed with the statements. I have never had a response. I have called XXXX XXXX at least 8 times over the past 2 months. The automated telephone system doesnt work well. It wants you to pay the bill and doesnt give you an operator or real person option. I finally discovered a phone number XXXX where I could talk to a person. I was told to use myonlineaccount.net and that I needed to fill in a Dispute form. I established my online account and began exploring the online information. The dispute form was very difficult to find, with no direct links to it. Somehow, I found the dispute form and it is attached. I could not use the on-line system to review statements. It simply would not link to the PDFs. I was able to access monthly transactions by retrieving each month separately from the system not very user friendly. I have summarized them in a transaction table attached. This table contains {$100.00} in late charges, {$290.00} in deferred interest charges and {$14.00} in actual interest. These total {$410.00}, differing from the total due online of {$430.00} by {$20.00}. Finally, the on-line system does not appear to balance with the billing system.
Company Response:
State: KS
Zip: 66216
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I sent TD Bank an letter via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. Starting In the 4th paragraph on the 1st page I requested an opt-out pursuant to the Graham Leach Bliley Acts ( GLBA ) privacy provisions codified at 15 U.S.C. 68016809. The FTC has provided a Graham Leach Bliley Act business guidance resource at the following link. XXXX XXXX XXXXXXXX According to GLBA subsection Exercising the Opt-Out Right says that Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. According to the GLBA TD Bank is obligated by law to discontinue sharing my nonpublic personal information with all non-affiliated third-parties which includes all credit reporting agencies such as XXXX and XXXX see attached credit report for private data sharing violation. According to the FTCs website under the GLBA section What information is covered, nonpublic personal information ( or NPI ) is described as any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ). TD Bank neglected its initial obligation to provide me with a privacy notice and opt out disclosures that satisfies GLBA guidelines. Under the section Who Gets a Privacy Notice? Subsection : Customers- its states, Whether or not you share customer NPI , you must give all your customers a privacy notice. You must provide an " initial notice '' by the time the customer relationship is established. If this would substantially delay the customer 's transaction, you may provide the notice within a reasonable time after the customer relationship is established, but only if the customer agrees. If you share NPI with nonaffiliated third parties outside of the exceptions described within ( see " Exceptions '' ), you also must give your customers : an " opt-out '' notice explaining the individual 's right to direct you not to share her NPI with a nonaffiliated third party ; a reasonable way to opt out ; and a reasonable amount of time to opt out before you disclose her NPI. I was never given the initial opportunity to opt-out of my non-public personal information being shared and TD Bank has continued to deny my right to privacy evidenced by their continued reporting to XXXX and XXXX. Penalties for non-compliance with the GLBA can include fines up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation, criminal penalties of up to 5 years, and the revocation of licenses.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: TD Finance investigation does not match records at all. The vehicle was repossessed 1 yr before they are saying. They sold the car and Ihave paid over XXXX for the car Everyone in america has been given discounts on loans credit cards and I have to pay over XXXX for a car I don't have I was in hardship of domestic violence at which time someone took my vehicle and your company said i didn't have a repossession however the man took my car and now Im being forced to pay over XXXX dollars for something I don't have I have also requested help for a fasified eviction and none of your complaint departments lawyers or we the people are not helping me. But I help everyone that needs me. Health care and Civil duty for the unemployed... I am an american asking for help from being a victim of domestic violence and I have been lost in the shuffle of paper work and no one cares.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX ( Saturday ) at XXXX I deposited cash into the drive thru ATM. Once I deposited the cash a message came up on the machine saying that there was a malfunction and the system did not reverse the deposit and give me my money back. Instead I was told to " enter a forced deposit amount '' into the ATM. I did not know the exact amount of cash but I am certain it ranged from $ XXXX {$1000.00} ( XXXX days of work ). On XX/XX/XXXX ( Monday ) there was a deposit correction for {$840.00}. Rather than taking out {$160.00} and leaving {$840.00} remaining in my account, they took out {$840.00} out of the {$1000.00} in my account and I was only left with {$160.00}. I quickly went to the local branch to explain this situation and sat down with a banker and we put in a dispute. On XX/XX/XXXX I was given an {$840.00} provisional credit while they investigated my claim. On XX/XX/XXXX the bank reversed the provisional claim and stated that their investigation did not find anything and that the deposit amount was correct. Again, I quickly called and spoke with a manager from TD Bank customer service and put in another claim for investigation. The manager told me that it may be because they only checked the deposits from that monday ( XX/XX/XXXX ) and not over the weekend. It has now been over a month dealing with the bank and not having the money I deposited from back in XXXX, which I need right now.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022 XXXX XXXX XXXX ( not me ) Sent to my current address. Reference # XXXX TD Bank USA N A Nordstrom Inc Account number XXXX Amount {$770.00} This same woman used my daughters SS number 20 years ago.
Company Response:
State: IL
Zip: 60115
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: To Whom It XXXX Concern : I am writing to make a formal complaint to TD Bank , N.A . I am seeking directive assistance from CFPB. This is a solution to someone so I can be heard and take seriously in protecting my information. I was/still am a victim of identity theft since XX/XX/XXXX. A XXXX XXXX credit card account was opened with TD Bank XXXX fraudulently with my information without my knowledge and consent in XX/XX/XXXX. On XX/XX/XXXX : I called TD Bank XXXX XXXX XXXX XXXX and reported account opened fraudulently, Given my contact information. I was provided with the case # XXXX. On XX/XX/XXXX : I called TD Bank XXXX XXXX XXXX XXXX once again. Spoken with XXXX XXXX from XXXX XXXX and confirmed the account has been closed as of XX/XX/XXXX. On XXXX XXXX : I received an acknowledgement letter from TD Bank XXXX stating, " Account history indicates prior acknowledgement of the account ''. Verbiage is vague so I made the call to XXXX XXXX XXXX, Fraud & Risk XXXX @ XXXX. Left several voicemail message and never received a reply. On XX/XX/XXXX : I received an acknowledgement letter from TD Bank XXXX stating, " Account history indicates prior acknowledgement of the account ''. XXXX is vague. Today { XX/XX/XXXX } I made the call to XXXX XXXX XXXX, Fraud & Risk XXXX @ XXXX. Risk XXXX told a call was made to TD Bank XXXX on XX/XX/XXXX, a security code was sent to XXXX as resulted of the account was reactivated. In addition, she said the case has been closed and if I want to investigate, so I will need to open a new case. I am extremely baffled with facts that ( 1 ) TD Bank XXXX had knowledge that the credit card was opened fraudulently and closed the account on XX/XX/XXXX, ( 2 ) TD Bank failed to verify the caller identity, Accept the risk on themselves and sent the security code resulted the credit card account reopened without my knowledge and authorization. Today, I made the call to TD Bank XXXX XXXX XXXX @ XXXX - to setup a new claim as I was instructed. The phone system did not respond to my cellular phone. The phone # that I had registered in the case when opened initially and there was no live attendant. TD Bank XXXX XXXX XXXX is not/ has not diligently in protecting my information. This resulted distress because once again having to deal with this nightmare. Due to data sensitivity, I didn't include the full account in this complaint. It will be readily available to provide upon request. I attest the statement made herein is truthful under perjury. Thank you. Best, XXXX XXXX
Company Response:
State: CA
Zip: 92703
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX utilized an incorrect address in XXXXXXXX XXXX where as my residence is in XXXXXXXX XXXX As a result, I never received bills and was informed by the representative who sold the furniture that I would not have to make payments until XXXX months later. Due to not receiving bills that were sent to the incorrect address miles away in XXXXXXXX XXXX XXXX XXXX incorrectly made a negative late report on my account. In addition, on XX/XX/XXXX, a payment of {$200.00} was made as I was informed by the representative that this was the payment due. However, on XX/XX/XXXX, only XXXX week later a late charge of {$40.00} was assessed on my account including another late report on my credit report. XXXX XXXX XXXX XXXX are engaging in misleading and predatory behaviors to collect late fees. I would like my credit report to be corrected as well as late fees reversed.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been submitting to get correct information put in place for account but now they showing account open with a balance. The account was put into Bankruptcy. I have started receiving bills from them now. The amount keeps increasing.
Company Response:
State: SC
Zip: 29301
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone else opened an account in my name via the XXXX XXXX XXXX, which appears to be administered by TD Bank, and made a purchase of {$1400.00}. I did not open this account. On XX/XX/XXXX, I received a collections notice from TD. This was the first I had heard of this account. On XX/XX/XXXX, I spoke with XXXX ( ID XXXX ) from TD Bank, who submitted a fraud claim on my behalf. On that day, I contacted all XXXX credit bureaus and placed a hold on my credit. I was told that an affadavit would be sent to me in 14 days. On XX/XX/XXXX, the affadavit was sent ( per the date on the enclosed letter ) ; I received it XX/XX/XXXX. The enclosed letter noted that I had 14 days to complete the affadavit. I completed the affadavit on XX/XX/XXXX and emailed it to XXXX, as instructed. On XX/XX/XXXX, I received a note, dated XX/XX/XXXX stating that my fraud claim was denied and enclosing a purchase receipt for the phone. From the receipt, I note that the purchase was completed online and the phone was picked up in person. It does not indicate that the person picking up was required to show any ID. The email address used for the purchase is not mine, and a search for the location of the XXXX address shows XXXX, XXXX. I do not live in XXXX, nor was I there on the date of purchase. In summary, my claim was denied based on incorrect information, and before my affadavit was received. Moreover, the denial of claim letter, addressed from XXXX XXXX XXXX, includes a phone number that appears to be XXXX XXXX 's personal phone number, which has gone to voicemail on the XXXX XXXX I have called it since receiving the denial of claim letter. I have called TD Bank twice to discuss this matter further, but have been told that there is " no fraud department '' nor is there anyone I can speak with. When I ask to speak to a supervisor, I am placed on an indefinite hold.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A