Date Received: 2022-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I made a {$320.00} all cash deposit at their ATM. This took place at TD Bank XXXX XXXX XXXX in XXXX XXXX My checking account shows they put a deposit hold on {$200.00} of my money. The receipt I received that day says " forced deposit ''. The ATM machine did not give me the usual option of asking what, cash or check or both, and how much I was depositing. It knows I deposited {$320.00} because it counted it and the receipt shows that. The bank has no reason to do this to someone who has deposited much larger amounts of cash in the past with no problem and has been a loyal customer for several years. The ATM obviously has a defect and I'm paying the price. I want my money and this whole situation cleared up. I also want them to pay any fees incurred to my account for going below the monthly minimum of {$100.00} if that happens because of their machine 's mistake.
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am initiating another complaint because my prior complaint was NOT resolved at all by the bank, but their response seems to have caused the complaint to be marked closed. I did provide feedback on their response but I do not know whether that will have the effect of keeping that complaint active. To summarize, I issued a check to a business payee in XXXX, using the bank 's online XXXX XXXX system, which simply means the bank mails the check to the payee. The check was stolen and fraudulently endorsed. It's been two months since I brought it to the bank 's attention, which includes a delay of probably two weeks because the XXXX XXXX XXXX mistakenly submitted a Reg E review, when what was needed was a fraud review. The bank 's fraud department has since been investigating it, and awaiting a response from the thief 's bank ( XXXX XXXX ). My complaint is that I should be credited by now for the obviously fraudulently endorsed check. What goes on between TD Bank ( my bank ) and XXXX XXXX ( the thief 's bank ), is between them. I am a customer of TD Bank and everyone from the bank who looked at the evidence easily agreed it was fraudulently endorsed.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : NORDSTM/TD XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: When I applied to credit cards I didn't know it was going to be a hard pull, also when I applied to a auto loan I didn't consent with them running my credit more than once they pulled the credit and more than one reports popped up.
Company Response:
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a TD Bank account on XX/XX/22 and funded it. On XX/XX/22 I was locked out my online access. After calling in I was told it would take 24 hours to unlock the account. It has been way over 24 hours at this point and I still can not access my account or funds.
Company Response:
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX card thru TD BANK fraudulent charges by XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX This vendor provided fraudulent documentation to TD bank, which I have copies, to justify these purchases. These docs include fraudulent USPS delivery notices, and deliveries prior to order date. clear signs of criminal activity.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/22, my account was charged a {$25.00} maintenance fee by TD Bank. In XXXX, I maintained a balance over {$2500.00}. On XX/XX/22, my balance was {$3700.00}. On XXXX, I got an official check in the amount of {$1200.00} to pay my XXXX rent. Leaving me with a balance of {$2500.00}. On XX/XX/22, I was charged a maintenance fee of {$25.00}. I should NOT have been charged a {$25.00} maintenance fee because my account was not below {$2500.00}. It was {$2500.00}. I did not withdraw any additional money after I got my official check to pay my rent on XX/XX/22. In XXXX, I was charged a maintenance fee because my account fell below {$2500.00}. That was NOT the case in XXXX. I want the maintenance fee that they took in XXXX to be credited back to my account. My current account balance is {$2500.00}. It should be {$2500.00}. Thanks
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a disputes in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: So I received a letter of declination for a Target XXXXCard. However, I did not make an application for the card. This letter was dated XX/XX/2022. About the same time last year, I received a letter like this too, and I disregarded it because the application was still denied. Yet, upon recent events, I have noticed that I have been receiving many applications from other credit card companies saying I have applied for their card and are requesting information, etc., but again I have never applied. Thus, I believe I am going through identity theft. The declination letter I received from Target is asking me for a copy of my driver 's license, front and back of SS, and a utility bill from the last 60 days.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I received a loan modification from TD Bank which I accepted and signed on XX/XX/XXXX. The first payment under the modification was due XX/XX/XXXX. I made this payment at the time I signed the modification, and made payments for XXXX, XXXX and XXXX as well. TD seems to have at least partially implemented my modification, since the interest rate and principal balance have been updated on my monthly statements. However, the XXXX and XXXX statements ( for the XXXX and XX/XX/XXXX payments ) show that my payments are not being properly applied to the mortgage. The modification should have reinstated my loan in XX/XX/XXXX, yet TD claims I owe {$5000.00} and am over a year delinquent on my loan. Copies of the loan mod and my most recent two mortgage statements are included. I would like TD to correct its accounts to reflect the XX/XX/XXXX modification and show that I am current on my mortgage.
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A