Date Received: 2022-02-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: TD Bank made it extremely difficult to use my rewards ( which was 35000 points last time I checked ). My phone number and email both changed, and because I was in a state with no TD branch, it was impossible for me to access my online account, despite calling in multiple times. Because of the lack of access to my account, I was also unable to receive notifications about my bill/pay my bill, leading to revocation of my card and points. Had I had access to my account, I would have utilized the points immediately. But TD 's burdensome process to get access to my account made it difficult/nearly impossible to utilize my points, ultimately leading to its forfeiture
Company Response:
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone has used my SSN to open a Target Store CC in my name and I want this removed its fraud. I am also waiting to hear back from all credit bureaus
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I recently changed my phone number, even though I knew my password. However, I was unable to login because I couldn't verify it on my phone. I called TD Bank multiple times to change my phone number, but they were unhelpful each time and unable to do so without sending a message to my phone number, which I didn't have access to anymore. Therefore, I was locked out of my account and unable to check my balance/pay my bill. Furthermore, TD bank has not been communicative with me about my bills. Not only after I checked my credit report did I notice I have an overdue balance. I intend to pay my bill each time, but TD BankXXXX verification system inherently makes it difficult/impossible for me to do so. In addition, when calling, I was unable to pay my bill via the phone either because they can not verify my account with my phone number.
Company Response:
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: TD Bank charges a XXXX dollar late fee before the payment is due, My payment is due on the XXXX of every month, they charged me a late fee on the XXXX because they are not open on the weekend. It should not matter if the are open or not if my due date is the XXXX, then that's when its due. They do this to multiple customers!
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have XXXX accounts with TD Bank : checking, savings, and a credit card. I have recently seen alarming patterns of reoccurring fraud on my account. When I opened a dispute on one of the fraudulent, unauthorized transactions I was sent a letter saying TD determined that fraud did not occur. Here is a breakdown of what happened : XX/XX/XXXX I received a TD Bank Fraud Dept text message at XXXX on XX/XX/XXXX asking if I attempted a {$1000.00} withdrawal. I texted back no. I got another text saying my card was turned off and to call to order a new card. This debit card was in my possession, in my wallet at the time of this fraud. I was in my bed, half asleep, when I got the text message. Later that morning I checked my TD accounts ( checking, savings ) and saw a {$300.00} ATM withdrawal from my savings in a different neighborhood. I called TD, who confirmed that someone tried withdrawing {$1000.00}, and it was rejected, but they were able to successfully then withdraw {$300.00}. They then tried to withdraw {$700.00} which was denied and I was not notified about since the card was turned off. My card was then unsuccessfully used at various gas stations and a casino. I requested a new debit card sent to my home address. I submitted a dispute against the {$300.00} withdrawal on XX/XX/XXXX and on XX/XX/XXXX received a letter stating TD determined that fraud did not occur. I never received my new debit card. XX/XX/XXXX I received a TD Bank Fraud Dept text message at XXXX on XX/XX/XXXX asking if I attempted a {$500.00} withdrawal. I said no. I got another text saying my card was turned off and to call to order a new card. I then checked my TD accounts ( checking, savings ) and saw a {$500.00} withdrawal from my savings, a {$500.00} withdrawal from my checking, a {$500.00} withdrawal from my checking, a {$3.00} balance inquiry fee from my checking, a {$3.00} non TD ATM fee from my checkin, and another {$3.00} non TD ATM fee from my checking. And a pending {$23.00} XXXX withdrawal from my checking. All of these transactions were on XX/XX/XXXX. I called TD, and submitted disputes against all these charges, except for XXXX since that is still pending. On XX/XX/XXXX I received the letter stating TD determined that fraud did not occur on the {$300.00} dispute I filed on XX/XX/XXXX. I called TD again and was told that my new debit card that I had requested on XX/XX/XXXX had been sent out and activated, even though I have not yet received it in the mail and I did not activate the card. Someone at TD said that someone activated my card using my social security number. I was told to file a police report to reopen my dispute and advised to request a credit freeze with the XXXX credit bureaus which I then did. This is an extremely frustrating situation. These instances are all fraud and are very different from my day to day spending habits. I have been a TD banking customer since XXXX so they are aware of my habits and they know this is fraud. I was alerted to the fraud by TD, and now TD is denying that there is any fraud. I feel like my money and identity is not safe with TD, and I am scared. It is a large amount of money that I need back.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: TD Bank credit card was contacted disputing XXXX charges XX/XX/XXXX XXXX {$180.00} XX/XX/XXXX XXXX {$70.00} XX/XX/XXXX XXXX {$140.00} TD Bank responded XX/XX/XXXX that the charges were valid, providing invoices from XXXX showing my name and billing/shipping address. Emails on the order are not My email addresses. I never ordered anything from XXXX ever The items were not ordered by me, not requested by me, not shipped to me, and not received by me. TD Bank says they can not help and contact XXXX. XXXX says that since it is past 60 days they will not discuss
Company Response:
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I was sick with covid and had a account with TD Bank account ending in XXXX, the closed my account without my consent and without my knowledge and charged off debt didn't even give me a chance to pay or meet obligations unfair I could not act on my own accord due to long hospitalized stay over XXXX days reached out to td Bank asked them to reinstate account they advised me account was charged off within XXXX days that is nit fair or XXXX XXXXXXXX XXXX institutions must eait XXXX months now my credit and I can not open a new bank account at ant other financial institution until this account also was accessed fees, {$37.00} XXXX I asked them to reinstate account they vehemently refused despite my situation please help... sincerely XXXX XXXX
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received unsolicited debit card and checkbooks from TD Bank.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a settlement agreement with TD Bank for XXXX XXXX XXXX XXXX. The agreement letter states that Upon receipt of your payment, your account will be considered settled in full. My credit reports show that TD Bank is still reporting a balance and not Settled in Full as stated in the agreement letter. I also have yet to receive a Letter of Satisfaction from TD XXXX. Our agreement was to pay a lump sum of {$1600.00} by XX/XX/2022. I paid {$1600.00} on XX/XX/2022 and the funds were taken from my bank account on XX/XX/2022. I have called TD Bank multiple times requesting the letter of satisfaction and for my credit report to reflect Settled in Full. One agent told me they dont give these letters or any type of receipt and that my agreement letter and bank statement is all I get. Two other agents told me they in fact do send a Letter of Satisfaction but it takes 7-10 business days. It has been 19 business days since the funds were taken from my account and 21 business days since I paid. I have still not received the letter or seen the change to my credit reports. I tried calling their Specialty Department number that an agent I spoke with gave me. He said the Specialty Department is who sends the letters and updates the credit report however, that phone number, ( XXXX ) XXXX, just plays music. No one ever answers and there is no recoding prompting you to speak with anyone. I am submitting both the agreement letter and a photo of the bank withdrawal from TD Bank.
Company Response:
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I mailed XXXX checks to XXXX vendors in the amounts of {$15000.00} and {$2600.00}. Both checks were stolen from the mail and deposited with a forged endorsement. TD Bank has not restored the funds to our account and said they may not do so until an investigation is complete which may take up to XXXX months or longer., We are a small business and can not afford to be out of that money for that long. Are they not required to restore our funds immediately? I have already filed a local police report ( XXXX XXXX XXXX case # XXXX ) and with the XXXX XXXX as well. The criminal investigation is ongoing.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A