Date Received: 2022-10-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I received a call informing me I was a XXXX dollar winner, I knew it was a scam and told them to drop dead. As I hung up my cell phone my laptop flashed stating my computer had been hacked into and I needed to call XXXX at the number on the screen. Instead, I googled for XXXX XXXX support got an XXXX number called it and I could not hear what the person said at first due to too much noise in their background. I asked if this was XXXX XXXX support and they said yes. I told them about the warning and they said they could that my computer had been hacked into and my XXXX XXXX Account had transferred {$190.00} to a XXXX account. They told me they could block the transation by my dupliating the transaction which was suppose to cancel the first I follwed their instructions sending {$190.00} to XXXX XXXX. The man said the account had been taken care of. I checked my blanance and the {$190.00} was gone. I immediately called XXXX XXXXXXXX XXXX who confirmed the money was gone and the olnly thing they could do was to contact XXXX and if they could assist.. i next called TD Bank in XXXX. I just moved to XXXX from XXXX in XXXX and my social security check still goes into that account. I called TD Fraud to let the know about XXXX XXXX and to make sure my account with them had not been hacked into. The woman said it lookerd OK but whe would place a hold on it ummtil I took my computermand phone to XXXX and had to cleared. She said I woiuld not be able to have online banking until this was done. I told her I was only expecting two bills to come out, she took down the information and said my social security check would go in and the to billls would be paid I called XXXX and they cleared my computer and phone. On XX/XX/XXXX my social security check was deposited and I called TD to have them release the hold and they said there never was a hold, the account had been suspended. If wanted to removed the suspension wuoud have to come into a TD Branch which is impossible sine I live in XXXX. They transfered me to the Fraud Department and I spoke with XXXX who said he could have me change my Usernamea and he would gie me a temporary password to get into my account. XXXX said then we could transfer the money from the checking into the savings account and transfer the money to XXXX Account. That did not work so I was transferrred to XXXX who said he could help. We got the money moved to the savings, did the transaction for the transfer from TD t XXXX XXXX but it said it would take until XXXX On XX/XX/XXXX, I went online to make sure the money had transferred instead TD Bank had blocked the transfer. I immediately called TD Ban at XXXX XXXX time. and after several transfers I spoke with Preious who said she did not underrstnd why this had happened since the fraud was against another bank. After am 1 1/2 hours she said she had completed tje " XXXX '' form and sent to the higher supervisors and she hoped it would work for me to cal back in three or four hours ; I called back a XXXX spoke with XXXX who transferred e to the Fraud and they had no one in to help. I called back and spoke wth XXXX who also transfered me to Fraud. They told me nothing could be done, they were sorry I did not have any money but the account can not be touched unless I come ito TD Bank They said the account would be dead XX/XX/XXXX and they woud send me a check at that time I found out two bills that came through were not paid I aled again on XX/XX/XXXX and spke with who said there was nothig they they could do. I called back later that day and spoke with XXXX and she said she would transfer me to a supervisor and I was disconnected. I called back and spoke with XXXX who transferred me back to fraud where was told again that nothing could be done amd after XX/XX/XXXX the funds would not be reoeased until I came into TD. I am XXXX years old and they have all my money for food, gas, housing and they sad they were " sorry '' but once the disclosure was read it sealed ther deal.
Company Response:
State: CA
Zip: 93012
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Good Morning, Yesterday, XXXX, I attempted to link my TD Debit Card with my new XXXX XXXX account, and I couldn't. Apparently, it seems that my debit does not match the name TD Bank has me banking with. In other words, my debit card does not post transactions in account # : XXXX. And it should be. My card should NOT. reflect XXXX XXXX XXXX, and a different name on the back ( in their system ) ; let alone in a CLOSED account. This seems to be the reason why I still have not seen or received {$67.00} from the incident CFPB reference # : XXXX dated on XXXX. So, please tell the bank they need to ensure my Debit Card chip needs to be tied to the account that reflects my name in their system ; not XXXX 's name, XXXX, XXXX, XXXX, or anyone elses ' name.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I bought furniture from XXXX XXXX XXXX XXXX XXXX, NC in XX/XX/2022. XXXX said that I filled all the paperwork out correctly and that they gave TD Bank the correct address to bill me. I never recieved a bill. I got a call from collections telling me that i had not paid. TD Bank will not talk to me becuase the account is in collections. I feel like TD Bank messed this all up, they should be willing to fix it.
Company Response:
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I Was Charged, Without My Permission, {$110.00} On Three Separate Dates, For Computer Software. The Company Is XXXX XXXX The Fraudulent Charges Were Put On My TD Bank Visa/Signature Credit Card Ending In XXXX. The Dates Are : XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. The Total Amount Is {$350.00}. I Called The Company On XX/XX/XXXX And XX/XX/XXXX. They Told Me That I Was Not Charged Three Times. My Statements Indicate That I Was. ( I Will Be Sending Copies Of My Statements In The Mail ).
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I initiated an ACH transfer of {$2500.00} from my TD Bank checking account to my XXXXXXXX XXXX checking account on or about XXXX XX/XX/2022. I got a " Transaction Complete '' message right away. However, I found out on or about the XXXX of XXXX that my online account was locked when I tried logging in. I contacted TD customer care on the XXXX, and a customer care representative told me that the transfer was marked suspicious and had led to my account being locked. After verifying my personal details as well as transfer related details, I was told that the account would be unlocked the next business day. I waited until XXXX XX/XX/2022, and my account was still locked. I contacted customer service again and after verifying my identity once more, I was told that the account would be unlocked the next business day and the transfer would go through. I waited until XXXX XXXX and still, nothing happened. I called customer service once more and expressed my frustration. After verifying my identity and other details one more time, I was told that the freeze on online banking would be lifted in a matter of 30 minutes and the transfer would be received on the other side in 2-3 business days. After waiting for ~7 hours, I called again and this time, I was told that I would have to walk into a TD branch to verify my identity for them to unlock online account. The representative told me that the nearest one was in XXXX XXXX, MD. This was physically impossible as I reside in XXXX, MN. The representative advised me to contact the branch directly to see if they could make an exception. I called the branch on XXXX XX/XX/2022 and the branch " supervisor '' was just as condescending. He told me that the only way to get the account unlocked was to walk into a branch. I was willing to send them copies of my documents in the mail and even provide additional verification over phone and email, but he did not accept any of it. It is a shame that TD continues to have such needless verification requirements of having to come into a branch when they don't have any branches in over half the country. My funds ( ~ {$5000.00} ) is stuck with TD and this is causing me great amounts of XXXX and XXXX I would like to request the CFPB to do whatever is necessary to help resolve this issue at the earliest and take action against TD Bank for causing great inconvenience to its customers.
Company Response:
State: MN
Zip: 55414
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I keep challenging the same accounts every month regarding the status, account information, and missed payments plus charge off information errors on accounts. I keep seeing nothing has been done or the information comes back as accurate or verified when no proof has been sent to me. This has been going on every month for 2 years with all the 3 credit reports.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: TD Bank misleading and lying to me. I transferred {$1500.00} to my husband who is trying to pay to get a roof back on my home from hurricane Ian disaster in XXXX ( no roof!! ) using XXXX, sponsored by TD BANK. Transaction never went thru they lost my {$1500.00} and its in limbo somewhere ( probably making interest for the bank ) the bank rep told me to stop punt which I did on XXXX. TD bank rep said the {$1500.00} would be back in my account by XXXX XXXX on XXXX. TIDAY US XXXX SND MY MONEY IS STILL LOST BY TD BSNK. WHO STILE MY MONEY. I want it back. Do I go to police???
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD Auto finance, trade-line reporting on my credit report when the trade-line is not my. Every time I dispute the account the balance increases and the 7 year drop off mark increase also. The1st negative date change from XX/XX/2016 to XX/XX/2016.
Company Response:
State: GA
Zip: 31520
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My car was paid off in XX/XX/XXXX from TD Auto Finance. I have yet to receive a title. I called back on XX/XX/XXXX and told them we never received it so they stated they would file for a lost title and resend. XX/XX/XXXX I still do not have. I call TD back and they said it takes 7-10 business days and the title has not yet been released. ( That was day 11 ) The supervisor at TD, name XXXX, said she would have released today. I called the XXXX XX/XX/XXXX and they still do not show it released and said there is nothing they can do until TD releases it. So, I called TD back and spoke with another supervisor, named XXXX XXXX. She told me she sees where the supervisor yesterday put in the request, but I need to give it ANOTHER 3-5 business days??? The loan was paid off 3 months ago! We are purchasing a home and we have to have this off our credit by XX/XX/XXXX. I don't know what else to do since we keep getting the run around from TD Auto.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22, I deposited XXXX checks totalling {$1000.00} into a personal checking account at TD Bank at XXXX XXXX XXXX, XXXX, PA using my ATM card. Only XXXX of the checks totalling {$800.00} were credited and I have been trying to resolve the missing {$200.00} since that date. I went into the bank immediately afterwards and they opened a XXXX XXXX investigation, the results of which were that the XXXX checks which were not credited had been destroyed. This is not correct because one of the checks was drawn on a XXXX account and the owner of that account was debited {$200.00}. No one seems to know where the {$200.00} is and TD has never credited my account. It then made an adjustment request and today I found out that had been closed. So my neighbor 's account has been incorrectly debited {$200.00} ( he wrote a check for {$100.00} and somehow he was charged for the XXXX {$100.00} checks ) and I have never been credited for the {$200.00}. This all happened on XX/XX/XXXX and it is literally almost XXXX months later and despite innumerable phone calls, emails, and several in person visits to the branch, I can not TD to resolve this issue. Fortunately, I maintain a large enough balance that I can wait for the resolution, but what about a person who needed access to the {$200.00}?
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A