Date Received: 2022-09-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I became a customer of TD Bank in XXXX and they were very aware that I am a XXXX XXXX Mother as they helped me establish a checking account and also my Mortgage account between XXXX and XXXX XXXX XXXX. I met XXXX XXXX Branch Manager, the Assistant Branch Manager, XXXX XXXX, in XXXX when I was overcharged for some banking fees, and she was aware at that time, that I am a Single XXXX Mother. I Received the XXXX {$100000.00} XXXX XXXX XXXX in XX/XX/XXXX, and XXXX XXXX, Assistant Branch Manager " snatched '' it out of my hands and told me to open a XXXX XXXX Savings XXXX for " easy access ''. I advised that I did NOT want " easy access '' that I wanted to come back in a few days and get a large check to take to XXXX XXXX. XXXX XXXX, proceeded to " snatch '' the {$100000.00} Check and then used her position of authority to exploit me into opening the " XXXX Savings '' Account, against me true intentions, wishes, desires, and plans for our money and our financial future. In XX/XX/XXXX I wrote to TD Bank and XXXX XXXX, Assistant Branch Manager, that I was aware that she had stolen {$25000.00} of the Personal Injury check fund from the XXXX XXXX savings account ''. I advised that they were in Violation of Florida Statutes I advised that TD Bank and XXXX XXXX, Assistant Branch Manager, that they were and are still in VIOLATION of Florida Statutes : 812 for Conversion and Theft of the {$100000.00} XXXX XXXX XXXX Check, Florida Statutes : 825 for Exploitation and Abuse of a XXXX Adult, as Such they owe TREBLE DAMAGES under Florida Statutes 772.11, for VIOLATIONS of both relevant Florida Statute Chapters, 812 and 825, and in VIOLATION of the Florida Anti-Money Laundering Laws under Florida Chapter 655. I advised under the Florida Statute 772.11 the Treble Damages ( 3x ) the {$100000.00} they owe XXXX XXXX XXXX and her son, a Settlement Check for Treble Damages, for VIOLATIONS of Florida Statutes 812 and 825, in the amount of {$300000.00} XXXX XXXX XXXX XXXX Since that time : the First Legal Correspondence sent to XXXX XXXX, advising her, that she had STOLEN MONEY, in XX/XX/XXXX, 1. A Payment was ILLEGALLY REVERSED on XX/XX/XXXX, after the Payment, had posted. 2. A TD Bank Representative Advised 10 days ago that the ILLEGALLY REVERSED PAYMENT was put into " UNAPPLIED FUNDS '' 3. Then instead of our Insurance being paid in XX/XX/XXXX, OUR INSURANCE WAS " ILLEGALLY CANCELLED '' and it took until XX/XX/XXXX, until after a " storm '' to discover we had no insurance coverage. 4. Our Mortgage Payments have changed up and down and I recently asked TD Bank for an AMORTIZATION SCHEDULE and they sent a Schedule XX/XX/XXXX, stating that I pay {$110.00} a month when MY MORTGAGE PAYMENT IS {$340.00} A MONTH * WHERE is the AMORTIZATION with the TAXES & INSURANCE??? 5. The Mortgage Amortization and the SIMPLE INTEREST MORTGAGE SCHEDULE HAS BEEN TAMPERED WITH AND CHANGED, and money is NOT being Properly Applied. 6. TD Bank Started FALSELY REPORTING ME LATE to the CREDIT REPORTING AGENCIES WHEN I WAS NOT LATE. 7. I discovered that TD BANK had DONE A XXXX XXXX XXXX CREDIT REPORT DEDUCTION. EVERYTHING that I Have stated above are CRIMINAL ACTS, and includes VIOLATIONS OF THE AMERICANS WITH DISABILITIES ACT and FALSELY REPORTING to the CREDIT REPORTING AGENCIES in VIOLATION OF THE " FAIR CREDIT REPORTING ACT '' ALSO, everything I have stated is VERIFIABLE IN THE " PAYMENT HISTORY '' THAT AFTER I SENT THE XX/XX/XXXX, Legal Correspondence to Assist Branch Manager, XXXX XXXX, of the XXXX XXXX, TD Branch, that the EXPLOITATION AND ABUSE HAVE CONTINUED, as " someone '' in a position of authority, I say, XXXX XXXX XXXX Assistant Branch Manager, at TD BANK, CHANGED THE ABOVE-
Company Response:
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Email received about savings and checking account opened through TD Bank on XX/XX/22. No accounts were personally opened by myself.
Company Response:
State: FL
Zip: 34785
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened this claim XXXX, but was closed by the bank saying I never sent the information requested. I have proof that the fax was delivered with the information requested by the bank to proceed with the claim. Attached goes the information for the disputed transactions and the proof of fax delivery with that information.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On Wednesday, XX/XX/2022, I checked my mail, and there was a bank statement from TD Bank with my name and address. Since I do not now nor have I ever banked with TD Bank, I promptly contacted them to inquire about the account. The rep I spoke with told me I was the victim of identity theft and began guiding me on what I needed to do to ensure no further fraud occurred. She also told me the account would be forwarded to their fraud department and closed and that I would receive correspondence regarding the closure in 7-10 business days. After I got off the phone with her, I immediately began contacting all three credit Bureaus to implement safeguards on my accounts. I filed a police report with the XXXX XXXX Police Department the following day. Additionally, I went to TD Bank to ensure the account was closed ; and they did close it. The rep in the bank looked up the account and confirmed it was opened by the perpetrator on XX/XX/2022, using my correct social security number and DOB. However, the perpetrator used a fraudulent phone number and email address. TD Bank currently has a promotion where individuals can open new accounts and receive {$200.00}. Opening the new account can be done entirely online and does not require any credit checks, so I never received a prompt from my fraud protection service notifying me that TD Bank had opened an account in my name. My complaint is that TD Bank has no measures in place to prevent this type of activity from occurring again. Due to TD Bank 's negligent banking practices, I have now spent several days filing reports, locking accounts, and paying money on added security features. If TD Bank were interested in protecting against fraud, they would not have such lax security measures to establish accounts online. While the perpetrator is ultimately the criminal and at fault, TD Bank is equally culpable because they do not have adequate safeguards in place for potential victims of fraud. Additionally, their enticing promotions and the insufficient requirements to establish an account encourage criminal behavior -- they are begging criminals to be criminals.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a purchase on XXXX XXXX. They misrepresented what they sold me. I was sold an item as new. What came was not. When I tried to make a return with XXXX XXXX, they would not comply or work with me. After 2 weeks of run around, I filled a charge back with my bank. Since I can not contact XXXX XXXX but my bank can, I requested they get me a return label so that I may make XXXX XXXX whole again. Two times now, the representative taking my report is appalled while taking my report, yet two times now the investigation is awarded in XXXX XXXXXXXX favor. The reason being that I still have their merchandise. I still have it because they wont tell me where to return it, or provide me a return label. My bank who is supposed to protect my money is agreeing that its ok that as long as I dont know where to return the misrepresented item, then they are correct in how the transaction is being conducted. This is beyond unjust.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dear sir/madam On or about XX/XX/XXXX, right before the fraud transactions happened ( XXXX $ ) a series of fraudulent activity also occurred on multiple platforms. I had fraudulent activity on my credit cards ( XXXX as well ), social media accounts, and my email login credentials were changed. ( I attached photos ) It wasnt immediately noticed that a large amount of money was removed from my savings account, as I rarely check that, thinking it was safe. The police were notified, and an identity theft report was filed. This has been a very stressful situation for me and the hardship it caused is unimaginable. TD Bank mailed me letters from the merchant that contains IP address login information, which is part proof of Authorization, from me. Whats bizarre about those, I was able to recover my emails and there was email sent From the merchant that also contains IP addresses, only one of the the 8 which matched the ones on the documents they sent to TD. They were all from different locations some relatively near and some far from my hometown, including Georgia, Pennsylvania, & Maryland. The information that the merchant is providing seems very in accurate and questionable. Ive contacted TD banks fraud department. They were able to recover 5 of the 12 unauthorized charges. After that Ive gotten no help. Ive asked for a written explanation from the bank multiple times so that I could prove My innocence.. Im not sure how Im being told some charges were unauthorized and refunded to me, but the others were authorized. Im not a scammer, and none of the charges were authorized by me. On XX/XX/18, I had {$5000.00} taken out on an IP address in Delaware. How is that me? I am attaching screenshots of the XXXX address along with its location.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a TD Bank/Target XXXX credit card on XX/XX/22 which I did not apply for. Called Target 's fraud department and informed them of the situation. They are cancelling the account which had {$550.00} of charges on it. They stated that the application had my correct name, address, SS # and birthdate. Incorrect information were my phone # and drivers license #.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've never had a late payment and there were issues with logging in to make payment. Late in XXXX after trying to login payment was due XX/XX/XXXX and I called XX/XX/XXXX since the login wasn't working and paid in full {$220.00} I requested they take it off the report.
Company Response:
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Date : XX/XX/2022 Bank : This is my second complaint about this incident. TD Bank Transaction : {$150.00} and {$200.00} were taken out of my account. I noticed that there was fraud on my checking account, and it was fully compromised. I followed all of TD bank account holding policy, meaning did not share account information, share debit card with another individual, and did not lose any of my belonging. I followed up with a claim on the day of my account being compromised, but I was just informed on XX/XX/2022 that my claim has been denied, even though I followed their policy to the maximum. Now after a full month, I went ahead closed my account with TD Bank and my provisional credit was taken back of {$110.00}, stating that merchant/individual provided information that I sent that money. Now my account is in a closed/frozen status with $ XXXX of balance.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2022 hard inquiry and decline for credit TD Bank XX/XX/2022 hard inquiry and decline for credit TD Bank XX/XX/2022 hard inquiry and decline for credit XXXX XXXX XX/XX/2022 called TD Retail Card Services to remove these inquiries as fraud. XX/XX/2022 called XXXX XXXX to remove inquiry as fraud XX/XX/2022 set up a 1 year security alert with XXXX. XX/XX/2022 reported these inquiries to XXXX as fraud.
Company Response:
State: WI
Zip: 53095
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A