Date Received: 2022-02-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: At least 2 checking accounts ( XXXX and XXXX ) were fraudulently opened in my name. I called TD Bank at XXXX, Option 3 and requested that all accounts in my name be permanently deleted. All contacts were in XXXX and early XXXX of 2022. TD Bank agreed to close all accounts.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: TD BANK, fraudulently opened a checking account in my name. They sent me a letter notifiying me that the could not access my personal history because my credit was frozen. The next day I receive a XXXX XXXX card in my name with instructions on how to activate it. I looked at my XXXX XXXX company and there was an alert stating someone opened an account in my name. I filed a case with the XXXX XXXX XXXX Case # XXXX. I am awaiting a call back from them. I tried to call TD bank, but no one answers the phone at XXXX XXXX XXXX. I am not filing a fraud report with the XXXX XXXX Sheriffs office located in XXXX, NY.
Company Response:
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Compliant involves TD Bank On Thur. XXXX XX/XX/2022, I received an unsolicited new account from TD Bank. I tried to call them to correct the issue, only to be held on line for more than 2 hours to discuss an issue with the fraud line. I was informed that my identity had been stolen and provided information to protect my identity. Today, I received another check account from TD bank with an entirely new account number. After the first account I froze all my credit reports. notified all creditors and followed all steps from the FTC fraud check list. I contacted TD Bank again-whom makes contacting them in the first place exceedingly and malignantly problematic, after an 1 hour waiting on hold I talked with " XXXX '' whom would not provide any other identifying information like an operator ID number to identify herself whom told me that the account was now blocked but would not provide any assistance. I asked that she flag my name and address in TD bank to prevent this, she refused. I asked her to check to see if any other accounts with my name/social or address had recently been opened she refused. I asked to speak to a supervisor, she refused. She advised me there was nothing I could do with TD bank to protect my identity. I am seeking recourse in the form of some documentation from TD bank that my identity is being actively protected by them as they are the only bank I am having issues with. I also am concerned that they will allow a person to open an account without having that person provide basic documents to ensure ID of new account holder.
Company Response:
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was offered a modification by TD bank on my line of credit in XX/XX/XXXX. I signed the modification paperwork and sent it in to TD Bank and made the payment of {$560.00} as indicated on the XX/XX/XXXX modification document which was due XX/XX/XXXX. Subsequent to that payment, I received another modification document in XX/XX/XXXX. Apparently, TD had a made a mistake on the initial modification documents and had to send me a new set of modification documents. The new modification increased my monthly payment to {$610.00} ( a difference of {$55.00} ) and pushed the modification start date to XX/XX/XXXX. I signed the new modification paperwork and sent it in to TD Bank and made a payment of {$55.00} to make sure I made a full first month payment of {$610.00} to be applied to the account. I was told by that representative that they would apply the difference to my account for the first payment that was due on XX/XX/XXXX per the new modification agreement. I received a letter in the mail at the end of XX/XX/XXXX that my loan was late by more than 15 days as they did not receive my XX/XX/XXXX payment. I immediately called the loan servicing department and after 1 hour of phone calls with several transfers I was told that a request would go in to move the {$560.00} to my modification payment. On XX/XX/XXXX I received a phone call that my loan was now 31 days past due as TD did not receive my XX/XX/XXXX payment. I explained to the representative that is not true as I did make my XX/XX/XXXX payment. The representative researched the issue and said the " back office '' denied the request to move the {$560.00} payment from the first modification form and that the {$560.00} was applied toward back interest from XXXX. I was shocked and asked for an explanation. How could TD 's error become my problem. I signed all documents and made payments in good faith, yet TD will not comply with my request. This is clearly deceptive tactics as I made payments in good faith towards the modification and yet TD has taken the money and only applied it to back interest. I have called several times and can not get this issue resolved. I consulted with an attorney and they advised me to try to reach out to the CFPB first to see if it can resolved before taking this matter to court. I have lost several hours of time away from my job and family to deal with this and its just not fair. I have attached copies of the two different modifications that were provided by TD bank that I signed and made payments in good faith.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was notified that I had an inquiry on my XXXX Credit Report that an account was opened with TD Bank NA using my social security number on XX/XX/2022. I called TD Bank Fraud line and they told me that debit accounts were opened under my name and social, and they went ahead and closed both accounts today for me ( XX/XX/2022 ).
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I made an application for a mortgage product at Td Bank. According, to the officer I needed an additional person or persons on the mortgage application because I am single. In that case, I talk with my parents. Therefore, I told the officer to add my parents. Later on, when she was ready to call them. I told her to call with a translator because they have limited English. After that, me o my parents have not received any calls from Td bank regarding our application.
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone has stole my identity and is opening accounts in my name with TD bank, XXXX, and XXXX Bank.
Company Response:
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Target contacted me stating someone opened a card with my SSN.
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Last week, XXXX, XX/XX/2022, I received in my home mailbox two sets of checks for TD Bank accounts that I did not open, XXXX letters stating the accounts were overdrawn, and a debit card with a sticker prompting me to activate it. I have never been a patron of TD Bank, nor have I ever applied there. I applied XX/XX/2022, for a new account at XXXX XXXX XXXX XXXX online, but confirmed with them by phone that they had my application and were not affiliated with TD Bank. When I called TD Bank, the number on the debit card to activate it, I was curious. I entered the card number, my zip code, and the last 4 of my SSN, and the recording came on alerting me that my information did not match their records and transferred me to a CSR. I gave them the account numbers and told them they were not my accounts, and the debit card number. They suggested I cut up the debit card, which I did. They tried to transfer me to their fraud department, but I was placed on hold for over 75 minutes and could not wait any longer. I hung up. Friday morning, the next day, XX/XX/XXXX, I received another pack of checks. Same process, this time I looked up TD Bank 's number on XXXX, verified it was the one I called yesterday, I spoke with a CSR, gave them the account number, they transferred me to fraud, where I remained on hold for 48 minutes. I hung up, called back 3x but have still been unable to speak to anyone at TD Bank in Fraud. Their message just repeatedly says they are short-staffed because of COVID. I looked up the mailing address of the routing number on the checks and sent a letter to TD Bank in USPS mail demanding the same thing I'm asking for here, for my name and credit reports to be cleared of these fraudulent accounts. Saturday morning, I received a letter at my place of business from TD Bank in XXXX telling the previous owner of my restaurant to discreetly claim an inheritance due her for a family member who passed away. Now I think I know how they got my name and personal address, we are the new owners of the restaurant, and our home office address is public record in our state because of our business license. I have filed a complaint with identitytheft.gov, the consumer finance protection bureau, all 3 credit bureaus, and my local police department.
Company Response:
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
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: On XX/XX/2022 I requested the company to SEND ME the original signed credit application, cashed checks used for bill payment or original billing statements of the " debt '' because I don't remember owing the debt nor in the amount reported to the credit reporting bureau ( s ). XXXX rather than granting my request.. XXXX denied my request and said the company Certified to them the information was correct. XXXX was not given " conservatorship '' over me nor have I given authorization to the company to be my " interlocutor ''
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A