Date Received: 2022-10-26
Issue: Managing an account
Subissue: Problem with fees or penalties
Consumer Complaint: TD Bank has been discriminating against me because Im on XXXX and receiving XXXX benefits. I had {$900.00} saved on my CD and was fraudulently levying me without representation. My CD account was emptied. My TD bank secured credit card was paid and never credited for months.
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2022, I called customer service to discuss the benefits of my card, how the process works for receiving limit increases, and why I might not be receiving any offers for conversion to their XXXX program. As a customer for over XXXX with good payment history, and a {$23.00} balance at the time of the call, I expected to have a conversation with the representative, but instead the representative CANCELED MY CARD within 30 secs of getting on the phone. I explained that I have called customer service in the past and generally have had poor customer service ( i.e. disputing records on my credit report, requesting letters, etc... ) and that I wanted to discuss options or otherwise I would consider closing my account. The rep then said there's nothing she can do, put me on hold and CLOSED THE ACCOUNT without further explanation of how to pay the balance, or if I would receive an email confirming changes. I DID NOT WANT TO CLOSE MY CARD OR ACCOUNT AND IMMEDIATELY CALLED BACK IN LESS THAN AN HOUR. There was no written communication showing the account was closed so I called customer service ( who was extremely nice this time ) and I explained that I simply had remorse over cancellation and would like to keep my card if possible. Again, in less than 2mins on the call and a brief hold, the representative said there's nothing he can do and if I would like to reopen I can apply for the card again. It feels like it must be some benefit to them to force me to open a new line of credit. My XXXX XXXX is XXXX with XXXX and XXXX with the others, household income $ XXXX, and I was an active ( spending ) customer for XXXX XXXX, with not even " we hate to see you go '' or a full explanation of their policies or practices when closing an account.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: on XXXX we were charged a fee of $ XXXX because we paid $ XXXX dls on XX/XX/XXXX. the due date was XX/XX/XXXX, but it was a sunday, and then XXXX of XXXX. so we pay the next business day on XX/XX/XXXX. on XXXX we paid on XX/XX/XXXX Arizona time, but there charged us {$40.00} dls, saying we were 1 day late after the due date. we paid {$150.00} dls I think they are using decieving strategies to charge unjust fees. we are requesting to get refund fot those unjust fees. we are demianding to get refung for $ XXXX dls.
Company Response:
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I called my bank ( TD-Bank ) and notified three charges on my account where not authorized for XXXX. A complaint was made and denied by XXXX XXXX XXXX. They contend they have done business with me in the past and these are correct charges. The Bank Manager recommended to have frozen my account for my business to stop automatic withdrawals form XXXX XXXX XXXX. There have been 5 attempts to date to debit my account for a total of XXXX. I have contacted XXXX XXXX their case # is XXXX to resolve this issue. I have never done business with this company. All of our purchase for fuel is by credit card only.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I opened an account in the 1990 's with XXXX Bank. XXXX bank was sold to XXXX Bank. I had several accounts with them. While going through a marriage separation, we were trying to limit the deposits and separate expenses in this joint account. There was NO overdraft protection. TD charged my account for overdraft fees. I immediately contacted them and they admitted this was an error and reversed the charges. This happened again for the next few months. Each time I called and they reversed it. They told me they put a note in my file to not apply overdraft but it could take several months. Each month, I continued to call and they reversed it. Then they reported all these errors as " late fees '' on a {$1000.00} line of credit I never had. I went to the branch and they apologized. Customer service assured me this would be reversed. It stayed on my credit report. XXXX late payments showed on my credit report and basically destroyed my financial life. I was denied mortgages and more. I hired a XXXX XXXX XXXX & they were told this would be reversed. XXXX years later it is STILL on my credit report. XXXX Bank takes no responsibility. XXXX has also helped me dispute it but TD refuses to remove it even though I have proof this was their error and they credited the fees. XXXX told me to file a complaint with the CFPB. Your assistance in removing this from my credit report ASAP would be greatly appreciated. It shows as a {$1000.00} line of credit and I've spent thousands of dollars and over XXXX years of time trying to reverse this error. No one would XXXX late payments on a {$1000.00} LOC. This was never authorized to be on my account. Again, your assistance would be welcomed. This truly ruined my financial life. Thank you.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted XXXX 's because I saw that my bill had late fees. When I contacted them they told me that I didn't pay the bill for XXXX billing cycles. I then paid my regular payment amount and have been paying them since I called them to see what the issues were. I also explained to the card company/department store that I was not notified about not receiving payments for XXXX billing cycles, and that I really thought I had paid them. I asked that the interest be removed and told them to make sure they call promptly when a payment is not received. The company removed the interest and has been reporting me as delinquent since my call to them and they have also been having an automotive machine contact me weekly since I initiated the call to them about my billing. I really feel as if the company is not playing fair and that they should have attempted to call me when the bill was not being paid, and at that time I did not get any calls from them. Having been a XXXX customer for about XXXX years, I am angered about the treatment I am receiving from the company. It is very unfortunate that I can not make up the payments missed, but if the company would have reached out to me during the first month that the payment was missed I could have sent it in. I really see that this company does not have their customer 's best interest in mind, and just wants to attack my XXXX XXXX. And to just let you know I have never been late nor missed payments before, so this should have been more than a reason to give me a courtesy call or letter.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Wednesday XX/XX/XXXX I deposited a check that I thought was real, XXXX On Thursday, XX/XX/XXXX, I checked my account approximately XXXX, and the check # XXXX for {$14000.00} was posted and clear in my account. Later that afternoon I withdrew {$9000.00} and {$4900.00}. Had no issues with the account until Friday night XX/XX/XXXX approximately XXXX, when I checked my balance and saw that the bank had withdrawn the {$14000.00}, leaving me with a negative balance of - {$1900.00}. I understand now that it was a scam, not only on myself but also how the bank deposits checks and posts funds. I went to the bank Saturday morning and was told it was a courtesy that they post the balance, and that I am responsible for the money from that check, even though it was clear and in my account for almost 2 days.
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/22 I visited the Nordstrom rack in XXXX Colorado. I had a larger purchase and they asked if I wanted to apply for a credit card to save {$40.00} stupidly I agreed I started entering information and the sales clerk said oh our machine is down youre going to have to do this over the phone so she makes a phone call and puts me on the phone with someone who starts asking all sorts of personal information income, Social Security number and date of birth, etc., I started getting very very uncomfortable and told the lady on the phone I was getting very uncomfortable with this conversation and I put the sales clerk back on the phone and the person on the phone told the sales clerk she is not approved for a credit card I said thats fine. I dont want one. Now a few weeks later I get a credit card in the mail from Nordstrom, so they tell me that Im not approved for a credit card and I say I dont want one and then they force one on me anyway, this is extremely concerning
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: For the last year I've been banking with TD Bank. The day I opened my Personal Checking Account, I opened the online banking service account. Initially, my transactions would reflect the date it began pending, now it doesn't. Normally, banks allow you to click on a pending or cleared transaction and see the Merchant reference number, now I can't. Since I opened the account, I've had to change the password twice ( out of the blue ). I tried logging in, couldn't, and was told to dial ... .... Upon doing so, I'm not convinced TD Bank Representative really assisted me or it was an impersonator, the person who has caused all of these Bank problems. In conclusion, today I saw a transaction for {$10.00}. I don't recognize it. So, I clicked on it to see what day it began pending, and I can't even do that. So, I'm convinced this is no longer an online account by TD Bank. It's more of a fictitious account with " JUMBLED '' transactions. And transactions being on hold for a few days so that nobody can see that I spend money 7 days a week and I'm really entitled to my real account. In conclusion, what should I do at this point?
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a check that was endorsed by the payee and signed over and endorsed by me. I had opened a personal and business account with td bank and deposited the check. The following day when it was supposed to be available it still said one day hold. The second day I go to login and I can't. The bank froze the account and I spent days trying to get an answer from the bank. Finally after emailing them, contacting their support team on XXXX and XXXX XXXX and being told that they either couldn't help with accounts or that I needed to change my password and recertification my phone. Then I got a letter on XX/XX/XXXX dated from XX/XX/XXXX that the funds were being held for 6 days. The letter i have from TD dated XX/XX/XXXX says it will be available no later than 6 days after the deposit, and states the deposit date is XX/XX/2022. And it says " the deposit is on hold, and my funds will be available no later than 6 business days after the deposit unless notified of a returned check. Then on XX/XX/XXXX almost a month later with no access to my account or communication from the bank at all, got a notice that the account had the funds withdrawn after the deposited check cleared a month before without notifying me or releasing the funds. And both my personal account and business account had been closed for suspicious activity, without being notified previously of the closure, or change in their policy that i was to be getting electronic contact not mail, and no notice that the 6 day hold was being extended indefinitely. Now I've been dealing with this for 2 months now, the account is closed no access to the funds still, and a letter from the bank saying it's closed the account to protect me, nothing about the funds and the letter although it was with the TD bank letterhead, was saying that it was the OCC. Which I was told by the OCC they wouldn't send my notice to the bank without sending one to me. The OCC also failed to notify me of anything going on while I had a complaint sent to them. The complaint still hasn't been updated, and after talking to someone from TD bank 's presidents office and their phone support team I was advised by both of them to go down to the bank and get the check for the funds in the account. They even called the bank to have them get the check ready for me and told them I was arriving. Now if this was an investigation there would have been a stop payment, or payee claim, there isnt. Not only that the bank notified me they were holding the funds indefinitely stating the check was not signed over to me, but they have the pictures of the check on the statement showing it's endorsed and signed over then endorsed by me. They also stated they closed the account for fraudulent transaction without evidence of the claim, and they violated the 6 day hold policy, availability of funds laws, bank secrecy act if they had reported this like they're required to, they also have no court order to close my account which i was told in XXXX they would need that, and the check being from the treasury was required next day availability, and the treasury paid the check, they cleared it and it was posted on the account on the XX/XX/XXXX at the end of the day. They gave me false information regarding the process, the legal status of the case, the notice from OCC that isn't from the OCC itself, and the bank assistant manager decided to overrule the two people who had told her to have the check ready and instead instructed the fraud department to hold the funds indefinitely, none of this was done in the office like privacy laws require it was done in the lobby while she had fraud department on speaker phone. And my business account I opened was closed and had nothing to do with the transaction there's no record of the account on their end but I have record of it. And when I notified the bank and the customer service department when I called back, they were notified by me even though they already have the information, that they were violating every single regulation both by XXXX standards which are required and federal standards. My complaint was closed before they even got off the phone with me. They're willingly and deliberately violating all of the regulations and disobeying orders from the corporate office, enforcing a false fraudulent claim, without evidence and without a complaint from the treasury or the original payee. And they haven't contacted the payee, or attempted to get any information about this, not to mention 4 other accounts that I have had been suspended and required reverification because they didn't file the fraud report but filed the notice of account closure to XXXX. Im contacting my attorney and attorney general because so far with my dealings with the CFPB nothing gets resolved and nothing gets investigated properly, so I have no faith in them to get anything accomplished now.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A