Date Received: 2023-01-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received two letters stating that there was an account with insufficient funds and was under my name this account is not mine. I call TD bank fraud department they will send me a letter via mail with their results
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened an account at TD bank US prior of moving to the USA with assurances that I could manage all operations online. TD bank accepted several wires into this account for a total of around XXXX XXXX When I tried to wire money out, the online services refused to let me wire money out of the account stating an error code " XXXX ''. When I called to resolve this problem, the call center refused to help me because my phone number had changed, telling me I had to go in person to a TD bank location. This despite previous assurances that I would never need to go to a branch. They refused to explain why I could not transfer money out of my account. The closest location is thousands of miles away in Florida. Despite this, in XX/XX/XXXX I had the opportunity to go to a physical location and, after many errors and mistakes, was able to change the phone number including the one for authentification, and I tested the authentification online on premises. But they werent able to tell me why I could not wire money out and told me I had to call the online services. After I returned home in XX/XX/XXXX and tried calling again to resolve the wire issue they refused to authenticate me using the number I had provided on premise, despite previous assurances. At this point, in my last call on XX/XX/XXXX, TD Bank unconditionally refused to provide any path at all for me to be able to transfer funds out of my account, short of paying outrageous fees to withdraw it a few hundred dollars at a time at the ATM, or flying *again* to a branch thousands of miles away, which I already did and did not previously resolve the issue. They also refused to provide any path at all for me to close this account. The CSR refuses to identify herself or her superviser in any way.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/22 I got a pre approval fro TD bank with a XXXX present transfer fee XXXX percent for XXXX mo.okay I get the bill and charge me the XXXX persons in my payment XXXX fee plus the payment minimal total of XXXX they said they disclosed it they did not and if they did talking very fast that I did not comprehend I have transferd from other credit they always put in the remaining balance never up front they play tricks in there transactions
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I told td bank about my identity issues when I signed up for them I got a XXXX XXXX package with the tracking number on it for my XXXX XXXX job. The check was deposited XXXX on my cell phone. All the sudden Im getting these weird letters from TD Bank. The paper doesnt look right at the end doesnt even look right and its not matching to what the other letters are saying so I guess the check was deposited onto the XXXX did it saying that there was a hold on it? I was going to get my money then it was some other stuff then I try to get on online banking and it says please go in so they can get me back on online banking. I go into the bank. The lady takes my card physically takes my car takes my whole debit card and tells me that oh theyre not gon na do service with me anymore whatever meanwhile, they dont help me with my fraud dispute that I have at the XXXX store. I told him that is not meet at a scary its even on my XXXX maps. They will not help me the banker before the first banker said that she oh she got a friend name, XXXX XXXX, and all that like I dont Im, not playing these games. These banks are out-of-control. Something needs to be done. The check was for my job and if its so fraudulent, why did somebody change my password on my online banking and why does she take my car thats not professional I dont think theyre supposed to take your card. Why is she taking my car for whats going on with that?
Company Response:
State: FL
Zip: 33510
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
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: I paid my credit card bill they took out the money out if ny account XXXX times XXXX got reverse the other payment is lingering. When I check I have no available credit when I paid my bill.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/2022 forced deposit at branch atm. This was stolen from me by the bank and was not resolved for 6 weeks. While this claim was being resolved, the banking institute closed my account from receiving my weekly paychecks. I called the customer service line when my employer told me my paycheck was rejected. The institute said thats standard while resolving the issue. Due to this all my bill pay auto drafts were rejected and my family has suffered due to this. It took me about a week to switch all my bill pays over to my new account, I attempted to pay back the overdrafts at the bank this happened with and they rejected my payment to them. I had to go get another checking account in the meantime, so I could get my paycheck, to live on. Refund was sent to the bank on XX/XX/2022 and was accepted by this bank. Once the issue was resolved a refund was issued to the banking institute that they are refusing to accept or return due to my account being closed. I have been dealing with this since XX/XX/2022 and I have spent hours on the phone, with the place that refunded the money ( the bank accepted the refund ), I have proof that they did, I have spent hours on the phone with bank customer service ( with a different story every time I call ), but no resolution. The bank has {$900.00} of my money they are refusing to give to me. I have RRN tracking numbers to prove the bank has my money.
Company Response:
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To whom this concerns, My name is XXXX XXXX. I am looking to file a dispute with you for a transaction that was filed threw the XXXX app. The dispute case number is XXXX. This first charge was charging me XXXX threw XXXX for bit coin and on this email that was sent to me was a number that you use to call to let them know that this transaction was not you. When calling that number, they stated that they want to have transfer money to my partner. This transaction was for the sum of {$4.00} and some change. I will be sending this information to you XXXX XXXX and XXXX. While on this call with this so-called representative my partner came home to help try to resolve this and he noticed that there where calls that where ringing in the call as well. When my partner spoke up and questioned why he hears ringing in this call the rep stated that there are other people here that are working with other customers. This went on for awhile and then my partner began to question this person that I was dealing with. We began to check the accounts and it did go through. The rep began to say that nothing will happen to your account, and you will be getting all your money back. He wanted to have us use the XXXX and XXXX app and then began to say that he wants to purchase an XXXX e-gift card for the sum of {$1.00}. Upon this request my partner had thought about this and said to me this is not right. Also, the agent was also asked how is the agent a certified rep from XXXX? The rep stated that he was and now he is using an offline server where the account will be safe. After two and a half hours he hung up and nothing was resolved Attached with this letter is the screen shot of the response from XXXX and the direct text message that was sent to my phone that claiming that this person was working from XXXX and the invoice from XXXX XXXX a suppose representative from XXXX XXXX. Plus, a police report will be corresponding to this as well from XXXX XXXX Police Department. There were no other benefits from me loosing out on the hard-earned money that worked for and now that I am out of this money from this scam ; this has caused many financial issues for me. I did not benefit from any of the actions from XXXX or even gained any financial stability. Once this police report is filed I will submit the report to the bank to help resolve the matter. If there is any other information that you need, please feel free to call me or reach out by email. Thank you for your time. And I hope to speak with you. XXXX XXXX Email Address : XXXX XXXX
Company Response:
State: CT
Zip: 06051
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: In XX/XX/XXXX, I put a check in the mailbox made out to the IRS for $ XXXX. Somewhere along the way a fraudster stole the check while in route and either sold it to a third-party to wash and cash the check or washed it themselves and deposited it into their bank account. In my banking portal ( XXXX ) I have images of the washed check since it was deposited at a bank, TD Bank. XXXX says that they are not liable and I need to contact TD Bank to try to claw the money back from them or the bank account holder. I filed a police report and XXXX said they were not liable. I then worked with the detevtive who I filed the police report with to send a subpoena to TD Bank but they are claiming to have no knowledge of the bank account or individual, even though I shared all of the details ( images of the stolen check, name of depositor, date the check was deposited, location the check was deposited, etc etc ). I would like TD Bank to investigate the owner of the bank account where it was deposited or at least provide tho bank account owners details with the detective working on the case so I can recoup the money. I have all of the details of the incident, a police report, and a subpoena. Attached are images of the front and back of the stolen check that was deposited. Below are details I got from XXXX on where the money was depoisted : Bank : TD Bank City and State : XXXX, Maine Zip : XXXX Bank branch number* ( ie 'cost center ' ) : XXXX Date check was deposited : XX/XX/XXXX Lastly, here is the subpoena number that was used and filed with TD Bank by Detective XXXX of XXXX XXXX : XXXX / XXXX ( Ref : XXXX )
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Yes hi my accounts been frozen. For a year or more and. Td bank states funds are on smart hold.My account gets funds taken out of it every month for maintenance fees when the account is soppose to be frozen.I Thought it wasent legal for a bank to hold funds this long. Plus when the funds are benifits.Top it of I went down to my financial institution awhile back.They wrote me out a check.Then rip up in front of me. And tell me it's fraud and we're not nice. Something fishy is going on. With my account I would like to know What.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This card was fraudulently opened in my name it was not me and i need it resolved as soon as possible thank you
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A