Date Received: 2022-06-07
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I have a joint account with family friend. His balance was XXXX for months. He deposit a cash in the ATM machine for {$19000.00} on XXXX XXXX. On XX/XX/XXXX. XXXX, he walks into the bank asking for a withdrawal. The teller tells him he can only get {$8000.00}. He received that and walks out the bank. I get a call the same day saying what occurred earlier.I asked why didn't you contacted me before you gave him the funds. She said his name was on the account. It turned out the check bounced and was stolen. I'm confused because the same way they called me hours later to ell me what happened, they could have called me before they gave him the money. Anyway, I spoke to the person who did this and he said the people who convinced him to do this told him they know someone who worked in the bank..He has text message about this entire situation. I have partial text messages but he showed me in his messages the person said, " we know someone in the bank '' ..... Prior, to this happening, I went into the bank asking them to remove this person off my account and they never did.Now, they are telling me I'm liable for the bounce check of {$8000.00}
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Upon reviewing my Target XXXX card activity online on XX/XX/2022, I immediately noticed a fraudulent transaction that I did not take part in. Specifically, it was for a charge dated XX/XX/2022 in the amount of {$330.00}. I immediately contacted the business on XX/XX/2022 and spoke to XXXX XXXX to report the issue. Just to clarify, per the conversation, the current card number has been shut down and a new card number has issued. Additionally, the charge mentioned should be removed from my account. Lastly, the Target store that I last used the card for {$3.00} on XX/XX/2022 should be checked for skimming devices on the credit card readers. As it seems like a coincidence that two days after my Target in store purchase, my card number was fraudulently used online at Target.com.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TD Bank XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX RE : XXXX XXXX Account Ending : XXXX In XX/XX/XXXX, I purchased a XXXX item, which included a promotional 12 month XXXX subscription and financed that item with XXXX XXXX through TD Bank XXXX The item was purchased using a twelve month no interest promotion through TD Bank. I made consistent timely payments on the item throughout the twelve month agreed upon time frame. The bill that I received in XX/XX/XXXX showed a total balance of {$150.00} due on XX/XX/XXXX. I made that {$150.00} final payment to you on XX/XX/XXXX which should have completed any financial obligation to TD Bank for XXXX XXXX After I made that final payment, I received a bill from you, TD Bank, with a new balance of {$430.00} due on XX/XX/XXXX. I immediately contacted TD Bank to correct the erroneous charge. A case ( Case # XXXX ) was opened by TD Bank XXXX On XX/XX/XXXX, I received notice from TD Bank that research was being conducted concerning my issue. I also contacted XXXX on XX/XX/XXXX, and spoke to XXXX, to notify XXXX that I did not wish to renew the XXXX subscription. On XX/XX/XXXX, I followed up with XXXX and was assured that the charge would be removed. On XX/XX/XXXX, I received notice that you found insufficient evidence to support my claim. Per your findings, you say the merchant provided signed sales receipt and/or delivery confirmation. You also found that payments were made on the account from XX/XX/XXXX to XX/XX/XXXX. Please note that I agree with the statements that you made and that this was not my dispute. I did receive the merchandise that I ordered and made payments for the agreed upon amount. My issue, again, is that I DID NOT AGREE to renew a subscription with XXXX and TD Bank. Furthermore, I immediately took actions to have the unauthorized renewal charges removed. XXXX and TD Bank both disregarded my request as the customer, prolonged my suffering and has continued to bill me for an unauthorized renewal. I received a XX/XX/XXXX statement from XXXX XXXX with the {$430.00} charge still on the bill, although it was noted on the bill that the amount was disputed. On XX/XX/XXXX, I again followed up with XXXX in effort to have the unauthorized subscription renewal removed. I spoke with XXXX, who now says that he can not remove the charge. Once again, I am requesting that the unauthorized renewal amount of {$430.00} be removed and you cease and desist any contact with me regarding these unauthorized charges. Regards, XXXX XXXX XXXX
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened an account under my name and social security number. The date on the statement is XX/XX/2022 XXXX
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 Someone made an attempt to apply and open a Target Credit Card in name. Target called me and left me a detail message. I followed up with Target and a fraudulent store card was opened in my name, without my consent. Target advise me to follow up and make a complaint on this website.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I started a checking account with TD Bank in XXXX XXXX, VT in XXXX of XXXX. I needed a local branch since I moved from out of state. At first, I thought I was unaware of how this bank processed transactions but soon I started noticing a pattern of the bank doing one of many things. First example is I would send my landlord his rent payment early and he would deposit it. Each and every time that I wrote him a check, the check would go through the bank right before my ACH deposit from my employer by minutes. I contacted the bank and asked them to look into this on multiple occassions. I asked them for their help in understanding, I asked for proof of time stamps. No one would help me. This lead to my landlord ending my lease early and caused me to have to hire an attorney and lose my security deposit of {$3100.00}. This would continue, and again, at least once a month, I would call the local branch and the customer service line and no one would help me. I trusted what I was being told, that somehow this was my problem and then in the last two weeks I have evidence that proves that I am being charged constantly, basically every single day Overdraft fees while bank claims that the money isn't there, but it is. I got a paper letter in the mail in regards to an Overdraft of {$100.00}. on XX/XX/XXXX claiming that it was for transactions that did not clear my checking account on dates from XXXX, so I called the customer service line for the corporate office becuase of this. I asked the representative for the credit of the Overdraft fees becuase, on XX/XX/XXXX there was {$6200.00} in my attached savings account and an additional {$260.00} in my checking account. Also, on XX/XX/XXXX my employer ACH deposit of {$2900.00}. There was always a compensating balance in the positive between the two accounts. This goes on and on. There was a random {$25.00} service charge on XX/XX/XXXX that I have never incurred before and I still don't know what it was for even after asking the customer service representative. I deposited a check from my Mother in Law on XX/XX/XXXX in the amount of {$7500.00} that was supposed to be on hold according to the ATM slip for 1 business day, it was released to me on XX/XX/XXXX and showing that the funds were available so I started making the payments that I was supposed to use that money for and then the entire check without notice to me was placed on hold XX/XX/XXXX to then be released back into the account on XX/XX/XXXX. If you check my online activity now, the app and the online banking along with the print out shows it was all released on XX/XX/XXXX which I have screen shots of the activity for otherwise there wouldn't be any way to prove that. This is happening every day. I received overdrafts the last two days in a row and there isn't a thing on my account that shows what they are for. This has caused a plethora of issues for my credit, my household, my mental health, my relationships, and I have had to seek legal help on more than one occassion for the issues. I will be attaching every document that the bank would allow me to print and I will also upload the screen shots from the app that shows the deposit, release, and reheld funds. This is the biggest example of this. I am terrified that if this is happening to me, it is happening to many other consumers that use TD Bank. Please help me. To date the Overdraft fees just incurred from this bank are {$1600.00} and that is not including the statement that has not come out past the date of XX/XX/XXXX and it does not include my legal fees from the lease being broken over non-payment, the interest and fees from my creditors, and my XXXX score. WIth that alone, my credit score has dropped significantly. I had 3 credit cards that were not paid because of these returns and another that closed 2 accounts for returned payments. XXXX XXXX stated that TD claimed that the account was " unknown '' when it was the same account and routing number that was used to fund the account to begin with and nothin was ever changed with TD BANK or XXXX XXXX This financial institution needs a through investigation of its policies and who is making decisions for the customers. I have exhausted everything I can do to get them to help me and they will not. As everyone knows, with everything being electronic today and with direct deposits and bill pay, etc., changing banks is the last thing that I want to do. I was with my previous bank for many years. I also worked as an executive for a bank for multiple years and I have never seen anything like this.
Company Response:
State: VT
Zip: 053XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2021, I made a wire transfer from my XXXX XXXX account to my personal checking account in TD Bank for {$82000.00}. I then made serveral transfers ( {$9000.00}, {$5000.00}, {$3000.00}, {$6000.00}, {$3100.00}, {$32000.00}, {$2500.00}, {$17000.00} and {$3000.00} ) equaling to the {$82000.00} from my checking to my savings account. A couple of days later, I tried accessing my account online and I was unable to. So, I went to my local branch ( XXXX XXXX XXXX. XXXX XXXX, FL XXXX ) and was informed that my account was under investigation. I have gone to the bank weekly since then and called their customer service line some many times I have lost count. I have tried talking to the manager of the branch and escalate the complaints they filed every time I go but nothing has happened and no one is able to provide any kind of information or assistance. It has been over three month and I have not receive any response. I have asked if they could release at least some of the funds but I have not receive any help or assistance. I routinely used to transfer my earnings from my XXXX XXXX account to my checking and savings account, so this is not the first time I receive funds from them. In the past, TD Bank froze my account in a similar situation ( but with a lower amount ) and the funds were released within a month. I dont understand why they are taking so long and Im not allowed to have access of at least a portion of those funds. Honestly, besides freezing my accounts, it is unconceivable the lack of customer service and assistance clerks at the bank can provide. I am in desperate need of those funds and would like to know if you can assist me with this issue.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: {$890.00} is missing from my TD Bank Checking Account. On XX/XX/22 & XX/XX/22, I deposited money to my checking account bringing my balance to {$3700.00}. I got a teller check in the amount of {$1200.00} to pay my rent leaving me a new balance of {$2500.00}. On XX/XX/22, XXXX XXXX credited {$65.00} back to my Checking Account bringing my balance to {$2500.00}. On XX/XX/22, I paid my {$60.00} prescription with my TD Bank card lowering my balance to {$2500.00}. On XX/XX/22, I deposited {$1300.00} to my account. My new account balance after this deposit should have been {$3800.00}. Instead after making this deposit, my balance was only {$2900.00}. A difference of {$890.00}. I have no idea where this money went. I didnt withdraw it or charge it. So I sent an email to the Vice President of TD Bank. I want this amount restored to my account
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2022 I opened a new " TD Beyond Checking " account with TD Bank. As per " Important Disclosures '' in the attached screenshot of the promotion, I've fulfilled all the terms - " 1Offer is available to new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new checking account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new checking account within 60 days of account opening. Qualifying direct deposits include your paycheck, pension, government benefits ( such as Social Security ), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account. Person-to-person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criterion is met, the bonus will be credited to the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. TD Bank may issue you an IRS Form 1099_MISC, or other appropriate forms reporting the value of the bonus. Offer may be withdrawn at any time and is subject to change. One bonus per account per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. '' With the 140 day deadline passing and TD Bank has not credited {$300.00} to my checking account, I've reached out to the bank. Bank has refused to credit my account, using post-fact justifications that are not present in the " Important disclosures ''.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/XXXX I received an email about an account I opened up today from TD Bank which I did not do. I called immediately to tell them that wasn't me.they told me to repot it here and call to report it else where.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A