Date Received: 2022-08-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: TD Bank has incorrectly charged overdraft fees on transactions that should never have been overdrawn. I have been experiencing issues with TD Bank regarding excessive and illegal overdrafts and non-sufficient fees since XX/XX/2022. As of XX/XX/XXXX, I had an illegal overdraft fee of {$240.00}. In an effort to reverse the fees, I have been in constant contact with TD Bank. As a result, I requested that the account be closed since I would not be making any further deposits or transactions to the TD account. I reviewed the account on XX/XX/2022, to determine whether the fee had been reversed and discovered four unauthorized XXXX transactions. I contacted XXXX and they addressed the issue. They also notified TD Bank of the unauthorized transactions on XX/XX/2022. As a result, TD continues to impose non-sufficient funds and overdraft fees for the same transactions from XX/XX/XXXX to XX/XX/2022. According to my bank statement dated XX/XX/2022, I have a total amount of {$590.00} in overdraft fees. I contacted TD Bank by phone and through their message portal. I received the same generic response from them, which indicates that they have no intention of helping. Even though I requested that my account be closed, they ignored my request. In support of all my claims, I have sufficient documentation when needed.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On or about XX/XX/XXXX a fraudulent Target account reported to my XXXX credit report. I notified local authorities and filed a police report. I reached out to both Target as well as XXXX multiple times in-regards to this matter and provided the official police report. They have neglected to correct this issue. My most recent attempt to resolve the issue with both Target and XXXX was XX/XX/XXXX.
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Date : XX/XX/2022 Bank : 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.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: To Whom It May Concern. This is my second dispute with the CFPB regarding this issue. My original compliant number is XXXX. Please see attached response from TD Bank Representative. The Representative documented my XXXX payment was not the full amount and was short {$290.00} which caused my XXXX payment late. I have provided the annual statement I received from TD Bank specifying my new mortgage payment amount and also I attached my payment history provided to me by TD Bank. On XX/XX/21 I made a payment in the amount of {$1600.00} which is the correct amount due based on the statement provided to me. Unfortunately, there was a delay in processing my deferral which caused huge discrepancies on my account, however due to the delay on TD Bank it caused my payments to appear as partial payment and late. I am not asking for the late reporting to be removed as a courtesy but requesting the late reporting to be corrected because the error was on TD Bank and the delay and processing of my deferral and updating my account.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I, XXXX XXXX, a XXXX XXXX, went into the TD Bank branch on XXXX XXXX XXXX in XXXXXXXX XXXX and deposited cashier 's checks from my own accounts at XXXX for {$220000.00} and {$10000.00}. At the same time, I then wired {$230000.00} to scammers through XXXX XXXX in XXXX I was somehow convinced by the scammers that I needed to wire her life savings to them. I tried from my first bank, XXXX, and they blocked it. But then the scammers convinced me to move my money to my other bank ( TD ) and wire it from there. My XXXX XXXX XXXX, spoke to the teller who " helped '' me at TD Bank and asked ( D = XXXX, my son, TD = XXXX, the teller at TD ) : D : So now, my questions to you are : So what questions did you ask my XXXX before you transfer this money? TD : What questions I asked her? Who was the beneficiary? What was the purpose behind doing the transfer? D : Well, what were her answers? TD : All the information is on the wire transfer, I can bring it up. D : That would be great, could you do that? TD : Okay, so she's [ trading? ] to a XXXX XXXX XXXX XXXX : Right. And then you... So all you asked her is where she sent it to which is XXXX XXXX, which obviously she brought to you in the first place - we've established that. And what else did you ask her? TD : How much she wanted to send. D : Okay. Anything else? TD : Not off the top of my head. ... D : You didn't ask her if someone was telling her to do this? TD : No. ... D : The other question too, is that she brought cashiers checks in from XXXX XXXX XXXXXXXX, deposited them in the account and then immediately wired it out. Did you ask her why she didn't transfer it from XXXX XXXX XXXX, why she brought it to TD? TD : I did not. D : That didn't raise any alarm bells for you that she brought it from XXXX XXXX XXXX to TD and immediately wired it out? TD : It did not. This is the problem. The bank should have known about these scams and should have asked questions about what was going on. This should have readied red flags immediately. Any easy question would have been, " Why didn't you just wire the money from the other bank, instead of bringing it here to wire? '' Or : " Did someone tell you not to talk about why you are transferring this money? '' Once realizing I had been scammed, I called TD 's 800 customer service and was told I had to go into my local branch, as the 800 service reps told me that they would not assist me. However, since this was a Saturday ( the Saturday following the transfer ), the branch would only open on Monday morning. This prevented any potential actions from being taken by TD that could have recalled the wire transfer in a timely fashion. At the branch over the next few days, I spoke with the manager XXXX, and tried to allow my son to have access to this situation with the bank, however, TD actively denied my son from assisting. They wanted him to go into a TD branch to verify himself, however since he lives in XXXX this was not possible. He even provided a power of attorney form to them, with myself verifying it was valid, however again, XXXX rejected it. XXXX then said she would look into other possibilities of how to get my son on the account/investigation, but never followed up or provided any further information. These actions are inexcusable on the part of the bank : not asking the appropriate questions to XXXX XXXX before the transfer not blocking the transfer not providing assistance when calling the 800 number requiring us to wait 2 additional days to get help by waiting until the branch was open the manager of the branch denying allowing my son to assist and rejecting the power of attorney the manager of the branch not following up ( with repeating requests to do so ) Please help hold the bank accountable for their actions and non-actions in this situation. As per guidance on your site, they are supposed to be asking seniors questions about wire transfers and money movements like this. I am happy to provide more information, etc. My son also happens to have a recording of the conversation with the local bank branch teller in which he admits he did nothing in terms of vetting the translation as required. Note that a police report was filed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is assigned to the case ( XXXX ). I have attached the original wire transfer forms as provided by TD, as well as the fraud form completed at TD once they allowed me to file it in their branch. Thank you.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
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 HAVE DISPUTED AND SUBMITTED SUFFICIENT EVIDENCE IN REGARDS TO INCORRECT DATA REPORTED WITH ALL THREE CREDIT BUREAUS. I HAVE ALSO SUBMITTED A POLICE REPORT TO SUPPORT THE FACT THAT MY IDENTITY WAS STOLEN. I HAVE BEEN FIGHTING WITH THE BUREAUS FOR OVER THREE YEARS NOW ALONG WITH OTHER CREDIT REPAIR AGENCIES THAT I HAVE HIRED TO NO AVAIL. THE ACCOUNTS ARE LISTED BELOW AND HAS CAUSED GREAT XXXX, XXXX AND XXXX. I AM UNALBE TO MOVE FORWARD IN MY XXXX CAREER HAVE NOT BEEN IN XXXX. I AM TRYING TO PURCHASE A HOUSE!! POLICE REPORT # XXXX XXXX XXXX XXXX Negative Account Info Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. Status UpdatedJul XXXX Account Info Account XXXXNORDSTROM/TD BANK USA Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. Status UpdatedMay XXXX Account Info Account NameXXXX Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. Status UpdatedXXXX XXXX Account Info Account NameXXXX - XXXX XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusOpen. {$110.00} past due as of XX/XX/XXXX. Status UpdatedJul XXXX Account Info Account NameXXXX XXXX Account NumberXXXX Account TypeCell Phone ResponsibilityIndividual Date XXXX StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. Status UpdatedJan XXXX THIS ACCOUNT IS ONLY SHOWING ON XXXX AND NOT XXXX. Record Details Record Type XXXX XXXX bankruptcy XXXX Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XXXX XXXX. On Record Until XX/XX/XXXX XXXX
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: a checking account was opened with TD Bank under my personal information without my permission.
Company Response:
State: VA
Zip: 22102
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was never notified of derogatory reporting on my credit report from Target Financial. I was never informed from Target Financial of the lateness reported on my XXXX credit report for XX/XX/2017 and XXXX XXXX XXXX. I was never informed that the status was updated to discharged in bankruptcy. These are violations of FCRA 623 ( a ) ( 7 ) ( G ) ( i ). Im seeking {$3000.00} in damages, removal of the account from XXXX and XXXX, and an agreement of no re-insertion to any credit bureau.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a letter the morning of XX/XX/22 from TD Bank stating TD beyond checking with visa card access account would be changing the limits on the account. To my knowledge I have never had a TD bank account or debit card with TD Bank. The letter does show a zero dollar beginning and ending balance. I called TD Bank at number ( XXXX ) XXXX and spoke to their fraud department and they said they would take care of the account. They also suggested I create a report on XXXX website reporting the possible fruad I am worried someone opened this account in my name with out my knowledge or permission.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a credit card & checking account at the same institution. As ridiculous as it sounds, I can not set up automatic payments from the checking account to the credit card ( like any other card ), but was told that I could set up XXXX XXXX- that evidently sends a check in the mail from one part of the same bank to the other. This has worked fine for a few years, but now I am being told that the bank is no longer offering XXXX XXXX. I have tried the internet website for this, but it has no option for auto-pay. Customer Service is woeful, and talking to a manager/executive seems impossible.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A