Date Received: 2022-01-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: My husband received an email at XXXX p.m. today, Wednesday XX/XX/2022 addressed to me saying thank you for opening TD checking account. No one opened such account. When the company was contacted we were directed to their fraud department which shut down the account and was informed to call the FTC as well as the credit bureau companies to report this as well.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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: Hello, I am voicing a formal complaint against TD Card Services. My wallet and credit cards were stolen in XX/XX/XXXX. TD notified me via text message of potential fraudulent activity on XX/XX/XXXX, and prevented numerous $ 1,000+ transactions to XXXX XXXX via XXXX XXXX. When I called TD to confirm the transactions were not initiated by me, I had voiced concerns about {$0.00} transactions for " Mobile Wallet '' listed on my online account as recent transaction activity. The representative said they meant nothing and didn't move forward with the issue. They blocked the fraudulent charges, and issued me a new card number. Well, on XX/XX/XXXX, my TD credit card was once again compromised. On XX/XX/XXXX, I discovered TD allowed a {$1000.00} transaction to be paid to XXXX XXXX via XXXX XXXX on XX/XX/XXXX. The same amount, company, and payee they blocked one month prior. I had to speak to numerous representatives to get through the system in order to speak with a manager in the fraud department. After having to retell exactly what happened 3-4 times, the call was disconnected, and the manager did not reach back out to me. After I called back and had to go through all of the prompts and security again, I was informed by another Fraud Manager that my card was compromised because " tokens '' were left available on my accounts. These tokens connected my new card number with my old card number. And when the first new card number was issued, it was sent directly to the fraudster- to SEVEN virtual wallets. This means that the 6+ representatives within the fraud department who arguably should be more informed on fraud tactics than myself did not think to consider this issue a possibility, when I had multiple {$0.00} mobile wallet transactions on my recent account activity. I am utterly disgusted by the service I've received. The representatives in the fraud department at TD failed me. They allowed a fraudulent transaction to go through on XX/XX/XXXX, and have yet to reverse the transaction to make me whole as of XX/XX/XXXX. This is utterly unacceptable. I received a voice message from a manager at TD, who told me that this will likely not be resolved until XX/XX/XXXX 23 days after the fraudulent activity occurred, and 18 days after they were notified. Not only has TD bank failed to protect me from fraudulent activity, they are creating significant hardship and anguish by failing to rectify the failure and make me whole. Whats more, this credit card account was fraudulently open for me by a TD Bank branch representative in XXXX. When I called this branch in XXXX, PA to notify them, they told me that the employee was let go and there was nothing else they can do. TD Bank should be investigated for unfair and unacceptable business practices.
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received several emails from TD bank stating '' thank you for opening up a checking and savings account with them '' I called the bank fraud department to submit a complaint and put a stop to any service rendered. I'm submitting this complaint because TD bank allowed accounts to be open easily without taking extra steps with a person identity or social. I never in person open any accounts with TD banks and for them to allow fraud to occur with their bank so easily is very upsetting. Please handle this issue. I work to hard for me to go through fraud thefts.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hi, Can you please help me ask TD Bank to close my checking account? I opened an checking account online with TD Bank. TD bank has never allowed me to really use it. So I asked TD Bank to close the account. TD bank refused and keeps charging me $ 25 monthly fee. Here is more detail : I opened an checking account online with TD bank in XX/XX/XXXX. I was then not allowed to use the account. TD bank asked me to go to a TD bank branch. I can't go as the nearest branch is like five hundred miles from me. So I asked TD bank to close the account. In XX/XX/XXXX, TD bank told me the account was in the process of being closed. However, when I checked it today ( XX/XX/XXXX ), the account is still there now and it keep charging me $ 25 monthly fee. I called TD bank again, TD bank now refused to close the account and said I have to go to a branch and pay the monthly fee for the account I have never been allowed to use. Thanks for you help!
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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: In XXXX I bought a subscription to XXXX, a trade magazine of the entertainment business, as a gift for my daughter. I used my TD Bank credit card to make the monthly payments. When she stopped showing an interest in the magazine, I attempted to stop the subscription by going online. I assumed I had closed the account, but over the next several months, I continued to see a charge on my TD statement for XXXX XXXX XXXX, with a telephone number. When I called the number I was informed that I no longer had a subscription to the magazine, then I was directed to a woman named XXXX XXXX XXXX XXXX, who asked that I send her documentation of the charges, which I did, and I never heard from her again. I then reached out to TD Bank Card Services, and was transferred to the XXXX Department, where a gentleman ( I don't have his name ) let me know that they would look into the matter. In XXXX of XXXX, I got a letter from TD informing me that I had waited too long to dispute the charges, and that there was nothing they could about the money XXXX XXXX XXXX had taken out of my account for a subscription I was no longer receiving. They referenced charges from XXXX to XXXX of XXXX, but made no mention of the charges that had been taken in XXXX, XXXX, XXXX ( when I complained ) and XXXX. I called again last week, and went through the process all over again. A woman named XXXX at the XXXX XXXX Department asked me to give her information about the charges, but she could see that XXXX XXXX XXXX was still charging me. She wanted to help me, but said it would take some time, and I informed her that I wanted to escalate the situation to her supervisor. She said her supervisor was not available, but would call me back " within XXXX business hours '' ( this was a XXXX, XX/XX/XXXX. ) I have yet to receive a call back. It is Wednesday, XX/XX/XXXX. I also informed her that XXXX solution might be to just cancel the credit card. XXXX said that would be a bad idea, because " XXXX still has all your information, and they can still bill you. '' (? ) I also went through the process with XXXX XXXX, who transferred me to a woman at XXXX, XXXX XXXX, who took my information and said she would get back to me. I'm still waiting. I have since noticed that on XX/XX/XXXX, my TD Bank Card statement contains XXXX refunds of {$59.00} that all landed in my account on the same day. I have no way to reconcile them against what I have been charged in the past, and XXXX 's XXXX Department made no reference to them in my calls, nor have they let me know in writing what the refunds are for. I'm still out about {$600.00} for a subscription I canceled months ago, and TD Bankhas done little to help me resolve this dispute. I intend to cancel the TD Card as soon as possible.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a regular deposit to my TD bank checking account like I do every week for something around {$1200.00}. The ATM missed reddit for XXXX g so I canceled the transaction and tried to get the check back. The ATM ate my check and I had to get the bank manager to come over and open it up and take it out she did not cancel the transaction.. I want to go deposit my check at the teller and A-day later I found out that I owed them {$68000.00} because the transaction had not been canceled. After about 2 weeks of dealing with it I finally Got it resolved I thought but I opened my account this morning to owing TD bank XXXX They're claiming that they overcorrect it twice and they have all of the information which the information on my bank account does not go back to the midsummer. They're using their clownishly bad infrastructure and their Untrained employees to just keep telling me that there's nothing they can do about this while they endlessly continue to be terrible shepherds of my money. I refuse to pay them this money because I don't owe it to them so who knows where this is going to go for me but this is the only recourse I have so I guess here I am. I don't have a lot of hope any of this is gon na go in my favor but it's literally the only thing I can do so here it is
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My target red card that was closed a few years ago but they are still reporting as my account is late every month. Which is causing my credit to keep going down. I settled with them to pay a lesser amount to clear my debt but they are only showing what I paid instead of clearing the debt like we talked about which is causing my account to still keep reporting late when the account been closed. I paid the debt XX/XX/2021.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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 particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a {$19000.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect. You have to withdraw this from my personal file. ( TD AUTO FINANCE XXXX Date opened XX/XX/2016 Balance {$19000.00} )
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: i bought a XXXXXXXX XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX came and went and no bill. i finally got a bill in XX/XX/XXXX and they were charging me interest for XXXX bill that i never got. i clled them on XXXX XX/XX/XXXX and was trying to pay the who ; e item off. and they refused to except my credit card payment. which under the ucc 3-603, the bill is considered discharged/payed off. i called them again XXXX XX/XX/XXXX and XXXX XXXX XXXX i told them that the bill is considered payed off when you refuse to except my payment. and again they refused to take the credit card payment. so on XXXX XX/XX/XXXX i get a call from admin recovery XXXX XXXX at XXXX XXXX. i had not even gotten a letter from him. first of all the call was left on my friends house phone with information about the debt that was personal. then when i called XXXX XXXX when i was wanting more time to think about all my options he started to treaten me with my credit, and also said he would call his clients and let them do what ever they wanted to do next. the clienst is not XXXX but td retail card servies/td bank. they do not have a license to do business in alaska. i am also an XXXX ( XXXX ). so there is elder abuse here.XXXX XXXX has a license to do business in alaska but the place in XXXX ak has no one in the office. this office is being run by a company in XXXX XXXX nv. they only come to ak once a month if that. i was under pressure to make a decission right then. i was not allowed to wait my 30 days under the law, so i payed them {$1000.00} on a credit card that i did not have to pay because it was already discharged under the ucc 3-603. XXXX XXXX told me that td bank does except credit and debt card payments. i have the recording from all of them. td bank and XXXX XXXX. i have the papers the i have kept. also td bank after six months must discharge the debt. thats their law. i have stuff i can send you in the mail. i have no way of putting it on my computer. i don't know how to attach it to the file.
Company Response:
State: AK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: For two months I have paid my bill on time I called about why I charged a late fee XX/XX/XXXX I mail the check off 5 days before it was due, and when it hit my checking account it show that the check cleared the next day, So, I know that they had the check before the payment was due which was on the XXXX, but it was posted on my account on the XXXX Now I went into Target on XX/XX/XXXX two days before the payment was due, but I was charged a late fee. The service desk took my check on XX/XX/XXXX but it cleared my checking account on XX/XX/XXXX. If I pay on my Target bill on XXXX XXXX why am I being charged a late fee I also used the card the same day to buy XXXX with on items, it shows that I used the card the day I paid the bill.
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A