Date Received: 2022-07-11
Issue: Problem with customer service
Subissue:
Consumer Complaint: In XXXX I opened a TD BANK checking account ( AC # is attached to a picture ) in the Town/ City of XXXX XXXX , NY . I worked in the area for the summer and it was the closest bank to where I lived, about a XXXX - XXXX minute walk to be exact. I got my account on XX/XX/XXXX ( I will attach images to prove this fact ), and I got a checking account as well as a savings account with them. About a year passed while in XXXX I saw that there was a hold on my account and I could not get to use my debit card or use my XXXX account and I don't have access to my login anymore either, I called the bank and they said I had to come into the branch to get the issue sorted out. I kindly informed them that would be impossible for me because of the whole covid 19 pandemic I was not able to travel. They were adamant that I need to physically come into the branch to fix to issue. Fast forward to XXXX when I finally get back a chance to come to the USA, I immediately go to visit the TD bank branch I had signed up in XXXX, and to my surprise, the bank was not there anymore they had discontinued that branch. So I went to go visit the TD banks in XXXX and XXXX. Both branches told me that my account was closed out. So I ask them where the money was that was in my account. I had a total of approximately {$4000.00} USD in my accounts the last time a checked before they locked me out. {$2000.00} in checking and {$2000.00} in savings. They told me that I should have gotten a check mailed to my address on file and when I informed them I did not receive a check they are giving me a number to call ( XXXX ) XXXX saying that's the demarketing department when I call the number it brings me to an automated voice system that takes your message, promises to call back in 2 days and never does ..when I return to the branches informing them that nothing happens when I call the number and that I need help to get my money back they are telling me there is nothing they can do so at this point I think TD bank stole my money.
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a balance transfer FROM Target TO XXXX XXXX. I am already paying on the balance transfered from Target however, Target is pretending they never got the payment. The balance was transfered and completed on XX/XX/XXXX. Target TOOK payment in the amout of {$3400.00}, which was my balance at the time. I called them before the balance transfer took place and after. They " can not find '' the payment and still are carrying on as if I owe them money. Please see the details below of the transfer. XX/XX/XXXX XX/XX/XXXX ELECTRONIC BALANCE TRANSFER XXXX # XXXX {$3400.00}
Company Response:
State: OH
Zip: 43402
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was contacted by a Social Security agent that was going to help me recover my stolen social # ( XXXX XXXX ). The man, XXXX XXXX sent me his badge & had my local police contact me that there was an investigation. I received this information on my phone while I was driving to a wedding. To freeze my accounts during this trial, I had to transfer some money to a federal account. I went to a TD bank in XXXX RI to do a domestic wire transfer of XXXX. The money was sent to an account in California. XXXX XXXX XXXXXXXX The money transfer seemed to go out around XXXX on XX/XX/XXXX. The next morning I called the XXXX Police to confirm our conversation from XX/XX/XXXX. They said, I did not talk to them. Then, I knew I had been scammed. I called the XXXX TD bank and XXXX filled out a claim form to let XXXX XXXX XXXXXXXX know the funds received was a fraud transfer. I talked to the Fraud department at TD bank & XXXX XXXX XXXXXXXX. On XX/XX/XXXX. I called the Wire transfer departments for both banks for the next 2 weeks. TD bank would not give me the claim #, would not tell me what happened to my money. All I was told was it was being investigated. They would not give me or allow me to talk to the investigator. Later I contacted the manager of my local TD bank & all he could tell me was TD recalled the money & told XXXX XXXX XXXXXXXX to send it back. XXXX XXXX XXXXXXXX for 2 weeks would not disclose any information to me because I didnt have an account there. The account in question XXXX XXXX XXXX was not my account. Yet, I have XXXX credit cards with XXXX XXXX XXXX and had a car loan with them that I paid back. So I went to my local XXXX XXXX XXXXXXXX branch and talked to the VP. XX/XX/XXXX He arranged a call to the wire transfer depart of B A. We called & they would only disclose that they reached out to the account & no one called. The VP of the bank said to assume the money went into XXXX XXXX account. I have filed police reports, with XXXX & XXXX police. After one month, TD bank is through with their investigation. No information has been passed to me. XXXX XXXX the Asst. Manager of the XXXX bank did give me the claim #. I should be able to know exactly where my money went & be told this info. I know there are date time and stamps put on wire transfers. XXXX XXXX XXXX should have given specific info to the VP of the bank. Also, next steps should have been given to me by both fraud departments.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
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: This account has been fraud since XXXX. Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been XXXX report sent in an person in XXXX I want this deletes now. The next steps is hiring an attorney.
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
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: This account has been fraud since 2019. Im not sure why they insist to keep putting on my credit. Please I request this be deleted immediately. Ive tried every Angel to have removed without luck. There has been olive report sent in an person XXXX XXXX I want this deletes now. The next steps is hiring an attorney.
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
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 sent over 7 rounds of complaints to the bureaus and now to TD bank directly for an account they had reported with late payments. the bureaus claimed this was verified, and I've never heard from TD bank. They have provided no proof that I was ever late and this account is not reported correctly and violates the FCRA in every sense. Each bureau reports a different XXXX. that is not even possible.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: They didn't get me logged in, I have called and called multiple times. That temporary password NEVER worked ( THE TEMPORARY PASSWORD WAS TO READ A MESSAGE, not to loggin ), they have not given me my username. Also they just gave sent a delinquent payment to the credit bureau. They have done nothing except laugh at the US government. I have called and spoken to multiple people to get this information and no one at TD bank has helped. I haven't seen a statement either, they stopped sending them to my house address. I want my username, I want to make a new password, I want an apology from TD bank, I want that delinquent payment taken off also. I will pay the minimum when I can log-on to my online account. I want a person from their tech department to call me and give me my username and they send me a link to my email address to make a new one. Also CFPB how about you contact the person with the complaint before you close the case. they have done nothing at addressing the real problem.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After closely reviewing my credit reports, I have established that Raymour & Flanigan ( R & F ) is reporting inaccurate information regarding the account listed in the attachments. Dates, balances, etc are inconsistent across the 3 major credit report agencies. On XX/XX/2022, I sent a letter putting R & F a notice that the are furnishing inaccurate information. They are in violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681s-2 ( a ) ( b ) ( i ) ( ii ) which mean they can not report this account any longer. All information has to be validated, verified, and agreed upon by me the consumer.
Company Response:
State: MA
Zip: 02721
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Bank involved : TD Bank Description of Issue ( s ) : On or about XXXX XXXX, ATM card was frozen allegedly for use at a questionable ATM not of TD Origination. Discussions with TD Personnel unfroze card, but there was no real reason for it. On XXXX XXXX I get a text from XXXX that my payment is late. I had already set up their payment for on or about XXXX XXXX. This made no sense. I tried to log into my account on line several times but was unable to login. I then called TD Bank about XXXX XXXX. after a whole crazy process, I spoke to a person who was pretty clueless at which point I got XXXX and he hung up on me. I called back and had to go through the entire process again. Was connected to their fraud people and verified the bills they questioned ( which I had paid many times before ) and they were supposed to have been unfreezing my account. I waited the 2+ hours and called back since I was still unable to login. So the upshot is all my setup payments are now late which will ding my credit score and wallet. I again went through the lengthy process and was told the account was unfrozen and " they were working on it ''. I asked what that meant. They were unable to tell me what that meant. I asked to be put through to a supervisor to file a complaint about their XXXX fraud people unilaterally disrupting bill paying to parties that have been paid many times by me. I was then transferred into a hold cue ... .I hung up after waiting a few minutes. I tried to log into my account about 2 hrs later, it still wouldn't let me log in. I called back but the wait was over 10 minutes. For a bank that states they are the worlds most convenient bank I would say they are the worlds most Inconvenient bank. I would just say their " fraud team '' is incompetent and current customers should run very fast in another direction.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A checking account and growth money market account were opened at TD Bank in XX/XX/2022. I contact TD Bank upon receipt of bank statements received in the mail. I advised the customer service rep I did not authorize the opening of these accounts. I was advised there would be an investigation and those accounts would be closed. The bank statements continued to arrive. the following month. I called again. I was told the statements would continue until the investigation closed. The statements continued the into XXXX. I called again. I was told to go to the branch. The branch researched and concluded the account was left open in error but by that time I was placed with collections because there were transactions on the account which resulted in insufficient funds. I disputed the collection with XXXX XXXX XXXX in XXXX. I received a letter from TD bank dated XX/XX/2022 acknowledging my identity theft claim ; however, as of XXXX XXXX I have collection letters from XXXX located XXXX XXXX XXXX XXXX XXXX NJ XXXX. I am now disputing with another agency. TD Bank needs to retract the collection effort and call off the debt collection for {$110.00} for which was the result of fraud committed by others.
Company Response:
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A