Date Received: 2022-10-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: For several years TD Bank has refused to let me run my own account. They are deliberately over drafting me. My money is being automatically withdrawn. They are picking and choosing what they want to pay. They are refusing to pay my rent, electricity, and car insurance. They repeatedly refuse to stop pulling automatic payments out. For example, XXXX, XXXX XXXX I repeatedly asked for automatic payments to not go out. XXXX XXXX, an employee at the TD Bank at XXXX XXXX Rte XXXX, XXXX, NJ XXXX, lied to me about the bank holding my deposits, and erasing my deposits. An employee at the bank told me he was lying about the fact that the bank can hold my money for 6 days for bank fraud when my money was coming from the state government and federal government. XXXX XXXX, a TD Bank Corporate employee made sure that they were holding on to things like purchases at XXXX and other businesses, and putting them in all at one time to make sure I don't have any money. They know I want to legally pursue this, and have been sabotaging my funds so that I can't get a lawyer. They are actively trying to close the account to hide the evidence.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: there was a Target ( XXXX ) opened in my name. There is a {$5000.00} credit limit with 26.5 %
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
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: On XX/XX/22 I noticed that there were fraudulent purchases on my credit card statement. On that day, I called my credit card company, TD Bank Card Services, and notified them of all of the fraudulent purchases. There were 4 fraudulent purchases, totaling {$850.00}. The 4 fraudulent purchases were : 1. XX/XX/22 - XXXX XXXX XXXX- {$440.00} 2. XX/XX/22 - XXXXXXXX XXXX XXXX XXXX {$130.00} 3. XX/XX/22 - XXXX XXXX - {$110.00} 4. XX/XX/22 - XXXX XXXXXXXX XXXX XXXXXXXX- {$150.00} The credit card company confirmed on the phone that there would be an investigation that could take up to 90 days to resolve and that they would send a letter via mail, which we never received. The credit card company did not issue a provisional credit, so the debt has accrued monthly interest in the amounts of : 1. {$12.00} ( XXXX ) XXXX. {$14.00} ( XXXX ) The customer service has not provided provisional credit, or even notification by mail. When contacted via phone, their customer service sends you in a loop. Calling " TD Credit Card Services '' the representative will simply transfer the call to the " Fraud Dept., '' who claim that they can not provide any service or resolution but they will transfer you back to " TD Credit Card Services. '' This is Kafka-esque. The phone numbers we have called : 1. XXXX ( This number is now disconnected ) 2. XXXX press 5 ( General Customer Service ) 3. XXXX ( Fraud Dept ) We were told after calling monthly to " wait 90 days for resolution. '' It's been 94 days, over 10 hours on the phone with their customer service, and we still have the fraudulent debt and accrued interest. We asked simply for provisional credit ( from multiple customer service representatives ) and they would simply offer to transfer our call again ( in a loop ).
Company Response:
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: TD Bank, I've been calling over the past couple months to try and resolve some debit card fraud on some of my old debit cards. I've came to no positive resolution, due to the call getting disconnected, or the agents not understanding all of the transactions I'm trying to dispute. I don't want to lose my bank account or have to make a big decision of changing banks as you can see, I have big amounts of deposits coming in and out. I've attached all the statements, you will see HIGHLIGHTED IN YELLOW ( dates, amounts, transaction names ) all of these are unauthorized fraud. I have not given anyone access to use my card, the card always stays in my phone case, and no-one besides me has the PIN to use it. It's hard to keep calling, and calling when you're always busy and in a time crunch and can't get all the transactions in so I decided to go this route since the closest branch is XXXX miles away at my main house in MD. I am requesting my provisional credit within XXXX business days of the CFPB sending this complaint to you guys per Reg E.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX our credit card with TDbank was fraudulently charged I reported the charges immediately and was not updated at all even though I continued to call every 2 weeks, they continually said claim still open no updates. Finally In XXXX they told me charges matched spending pattern, even though 3 of the five charges were with XXXX I had never done business with. I asked for them to reopen/reconsider, they said they would annotate this request. I continued to call every 2 weeks for update, finally in XXXX they had an update that the disputed charge had passed the 60 day period so XXXX would not allow them to reopen the dispute. In short, I was charged in 5 charges in XXXX, reported immediately, and never got the money back because of an incorrect determination that it was not fraud. I am now told there is nothing else I can do so I am trying this for help
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I received a letter advising that TD Bank was closing five of my accounts with them. After several years of doing business with them, I believe I am being discriminated against. I have never deposited a check that bounced ; never wrote a check that I did not have funds for ; I have never had overdraft fees ; I almost always maintain my minimum required balance. In addition, I have always been respectful and courteous to all bank employees that I have communicated with. Further, I ensure that all account transactions are legitimate. I do not believe that there was a reason to interrupt my banking status with this bank. Though the relationship is at will, I feel I am discriminated against.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: To Whom This May Concern : This is the second time I file, I filed with my own personal bank XXXX XXXX XXXX and informed them I was a victim of a scam. After a long winded detailed report informing my bank I was a victim of XXXX fraud they refused to return {$2800.00} dollars I was scammed of. COMPLAINT ID XXXX Now, I am reaching over to the bank whom actually received the money, handles the money of individual and has all the information of the individual whom actually stole the, money in the process of the fraud/scam and requesting the information of the actual individual so I can take proper legal procedure. I need all the proper information to take the individual to court : Full Name : DOB : Address : Driver 's License : Phone Number : Social Security Number : Essentially what I need is all the information the person had to submit to the bank in order to open a bank account.. I have wasted time, money and energy in this process along with pain and suffering, I asked for the {$2800.00} to be returned and has yet to be returned. I am not a lawyer by any means, but the time I have invested in my own case should be compensated in this case. I will remind the CFPB this is the propose of your existence, and I would like the money I was scammed out of back or if not the proper information so the person whom scammed me and others like is brought to justice.
Company Response:
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Charges on my credit card from another distant state including XXXX XXXX, XXXX XXXX XXXX, and foreign charges. TD Bank flagged these charges as suspicious and we immediately responded to the text with " FRAUD '' and called TD Bank immediately. TD Bank is forcing us to pay these fraudulent charges. TD BANK appears to be incompetent at processing Fraud. We suspect TD Bank had a data breach that compromised our credit card number. Charges {$360.00} - XXXX {$10.00} - Foreign Transaction Fees {$0.00} - XXXX XXXXXXXX XXXX
Company Response:
State: MO
Zip: 63010
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
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 wrote to the address shown on my latest TD credit card statement in the section 'Billing-Error Rights Summary '. The first letter dated XX/XX/XXXX was never acknowledged by the bank. When I called on/about XX/XX/XXXX they claimed non-receipt. I resent the same letter via Certified Return Receipt mail and the XXXX delivered it on XX/XX/XXXX. On XX/XX/XXXX I called TD Bank at the number indicated on the XXXX ' section, XXXX, and was told that there is no record of my letter. XXXX call center person at TD 'XXXX ' told me that the letter should have been sent to South Carolina not Georgia XXXX I referred her to the above Billing-Error section which shows the Georgia address XXXX She said she can't contact that department. I eventually spoke to 'XXXX XXXX a TD Team Lead in XXXX XXXX. She is opening a new electronic dispute, referencing the letter, but it is not clear if my rights will be preserved as the " XXXX ' section clearly states that XXXXYou may call us, but if you do we are not required to investigate... and you may have to pay the amount in question '. My complaint is that TD Bank Credit Card ServiceXXXX : - Did not acknowledge my first letter of XX/XX/XXXX - Did not acknowledge my resending the above via XXXX XXXX Return Receipt Mail, even though the XXXX returned the card and sent a message that the item was delivered - TD is not set-up to communicate between departments to the detriment of customers like myself. Nor did some of their staff know the dispute center was in Georgia. - I have to pay the disputed charge and wait for their response Any assistance on the above would be appreciated. Thank you. TD Bank XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit Card # : Deleted for this Complaint I/N/O : Deleted for this compliant I had dinner at XXXX XXXX XXXX XXXX on XX/XX/XXXX. The receipt contains errors and I called the merchant XXXX times, once after the meal on XX/XX/XXXX, and XXXX today using XXXX XXXX option XXXX. Each time an automated message directed me to leave a message only to find that the mailbox was full and the phone system hung up. The incorrect charges are : XXXX XXXX XXXX XXXX {$7.00} ( We ordered XXXX XXXX which they did not have this available on XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12.00} ( We only had XXXX glass of wine ) XXXX XXXX {$3.00} ( This and the XXXX were ordered by an adjacent customer ) The disputed sub-amount is {$22.00} This changes the old sub-total from {$100.00} to {$85.00} At XXXX sales tax the new tax is {$7.00} That creates a new total of {$92.00} The tip was 20 % yielding {$18.00} The New Grand Total is {$110.00} The Old Grand Total was {$130.00} The total to be refunded is {$26.00} Kindly investigate and let me know of your findings. Sincerely, Deleted for this complaint
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
Company Response:
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A