Date Received: 2021-12-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Over one year ago, I went to my local TD Bank branch location and closed my checking and savings account. When I left that office here in XXXX, Fl, I was assured that the entire account was closed, and there was nothing more that needed to be done. Since then, the bank has harrassed me through postal mail insisting that we pay a fee ( {$21.00} ) on a closed account for a " Line of Credit '' which should have been closed at the time when we closed this entire account. I have contacted them via phone several months ago and was told that this would be taken care of. Yet, we are still receiving requests for payment and they are now adding interest to it. We called today, and the rep told me that there is nothing they can do. I made it clear to them that we can not be charged a fee for an account that was closed by their own branch. We have no intention of being extorted for this amount. Any help you can provide to deal with this ridiculous power play by a big bank would be greatly appreciated.
Company Response:
State: FL
Zip: 34135
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been involved in a number of data breaches and security issues that have previously been reported. I have reported the issues to the follow companies and including a bankruptcy. Crediting Reporting agencies are reporting data incorrectly after being notified. XXXX XXXX XXXX XXXX Not Provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank XXXXTarget Credit XXXX XXXX XXXX XXXX Previously Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT TN XXXX XXXX XXXX Previously Removed/Not mine XXXX XXXX XXXX account number
Company Response:
State: TN
Zip: 37643
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I contacted the XXXX XXXX through TD Bank finance explaining that there was a transaction made on my XXXX XXXX credit card account that is fraudulent and I have yet to receive the affidavit.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
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: I was charged in double for XXXX XXXX XXXX insurance for my phone. I didn't realize that it was going on for a year. When I did realize the issue I contacted XXXX XXXX and was told I would be receiving a refund of {$220.00} XX/XX/XXXX. I never received the refund that was sent by check. I have contacted XXXX for months regarding not receiving my refund and have gotten the run-around. I have attached the statement that shows that they intended on refunding me the amount. And below are the multiple phone attempts I made to try to receive a refund. Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX Spoke to TD Retail XXXX I was told to call XXXX XXXX XXXX that handles XXXX XXXX and they said they sent out a refund check XX/XX/XXXX for {$220.00} but I never received it. XXXX said it looked like the check was cashed. I told XXXX I went through my bank account to verify that I hadn't cashed it and forgot. I asked XXXX if she could request a copy of the cleared check to verify who signed it and cashed it. XXXX said she would contact the back office and look into what happened and get back to me. XX/XX/XXXX Called back for status update spoke XXXX according to her she was getting this escalated, she didn't see any notes from my previous conversation with XXXX, and get a refund in XXXX business days XXXX # XXXX XX/XX/XXXX Spoke to XXXX regarding XXXX # XXXX and she said the back office is looking into my refund they sent out for an update on XX/XX/XXXX and did not receive a response so they are emailing again. I was told to call back Friday with new ticket # XXXX to check on the update. XX/XX/XXXX Called XXXX XXXX XXXX XXXX Spoke to XXXX who was reaching out to the back office to see if there was any update. She said the back office spoke directly with TD Retail card services and they said the check was cashed. I told XXXX that I had previously requested a copy of the cleared check to be sent to me. I went through all my deposits in my bank account and saw nothing for this amount. She said I should contact TD Retail card services directly XXXX. I mentioned that I received a letter on XX/XX/XXXX from TD Retail stating that they were notified that some electronic correspondence was unable to deliver because the email address on file was incorrect, invalid, or correspondence was flagged as spam. I have NEVER reached out to TD Retail stating such.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
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: XX/XX/2021 I received a call regarding unusual charges made to my credit card. I responded they were not mine. On XX/XX/XXXX I received a letter they were holding me responsible for the charges. Calling me a liar. I filed a police report for identity theft on XX/XX/XXXX after sitting in the bank for hours trying to resolve this. The officer who has the case has at least 2 films of a man with a face mask and hat using a card that had been made from skimming my card since I always had my card in my possession. Went back to the bank and sat for hours more with no outcome. Last I heard from speaking to customer services was that they havent determined if they are going to reopen this. They want me to pay minimum which I did once but will not do so again probably ruining my credit. I just want the bank to refund my {$35.00} and be done with it
Company Response:
State: NY
Zip: 11725
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received two separate books of checks for two different checking accounts that were opened in a name very close to mine. One had the correct address on the checks and the other was a number off. Both check books had the incorrect phone number. I called TD bank, where both accounts were opened, and they marked the accounts as fraudulent and closed them. They also provided me with steps to take regarding identity theft.
Company Response:
State: NC
Zip: 27534
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a letter on Friday, XX/XX/2021 that someone had filed for un-employment benefits in NC and they needed to verify my information, I did not file for un-employment so I called them and the credit bureaus, I also filed a police report. Today, Monday, XX/XX/2021 I received a checkbook and a debit card from TD Bank to my home with my name, address, the last XXXX digits of my social security matching but with a fake phone number. I called and alerted them that I had not opened the account but they did not want to give me any information on how they opened the account to begin with.
Company Response:
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have an old Riverside Bank home equity loan which TD Bank is now the receiver of such and was assigned the loan. I started reaching out to them recently, on XX/XX/1922, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX & XXXX to get a release of XXXX on the old XXXX account and nobody has responded to me or my title company. I am doing a home refinance and this is holding up things. I keep getting transferred to various departments and nobody seems to find anything on my old loan. If they cant locate the records they need to provide me with a release of XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Dear CFPB XXXX, I would like to file a new complaint ( previous was XXXX - CFPB - XXXX ) regarding suspicious business practices I encountered regarding TD Bank about a year ago when an unauthorized account was fraudulently created under my name ( and SSN ) online. While my bank account has since been closed, there is clearly suspicious activity and identify theft happening, and it concerns me that TD Bank has simply closed my account without any further investigation. Here is a brief outline of events : XX/XX/XXXX I learned an account with TD Bank was opened online in my name/SSN using benefits paid out by the State of Arizona XX/XX/XXXX I was informed that my unauthorized account was closed and to contact the Corporate XXXX if I had further concerns ( XXXX - CFPB - XXXX ) XX/XX/XXXX I communicated with the Corporate XXXX and learned that the account was opened using XXXX transfers in a name that was NOT even mine The most concerning part is that an account was created under my SSN using XXXX transactions that were not in my name. At this point, Im also suspicious as to whether the AZ XXXX benefits are somehow tied to my name and wonder if there is potential for deeper fraud than what TD Bank is stating. I can provide the correspondence ( emails ) with TD Bank the way was handled from allowing the account to be created in the first place to simply closing the account when there is clearly identify theft seems very negligent on TD Banks part.
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: This letter is to inform of the fraud that was committed on Friday, XX/XX/XXXX at approximately XXXX to XXXX PM. I received a call from TD Bank with the phone number XXXX, as I picked up the phone the woman who I thought was a representative asked if I was XXXX XXXX, & informed me that there have been some fraudulent charges on my debit card. She informed me that there was a charge of {$130.00} to XXXX, {$56.00} to a gas station, and various other charges that I did not recognize. At that time she thanked me for using TDs Voice recognition. She also asked me to verify my online banking username, which I gave her not knowing that my online banking would be locked. She informed me that the banking would be locked so that she can look into these fraudulent charges, she also asked me about charges that were actual at that time. Her demeanor and the way she articulated everything was exactly as other TD representatives lol have spoken to me in the past. After she said she was looking into these fraudulent charges she asked me if I authorized a pending transaction through XXXX of {$900.00} to which I said no. She sent me a text message ( that came through XXXX number XXXX ) with a verification passcode of six digits which I gave her at that time, after I gave her the verification number I was sent an email from XXXX ( please refer to screenshots ). When I received the email I said no I did not authorize this charge she then said that this charge would temporarily go through so that TD Bank can dispute it, she asked if I was OK with the charge going through so that the dispute can be processed to which I agreed as I was not aware of how the process of disputes go as far as XXXX, so I didnt know that at that time the money was taken out of my account, the whole time I was on the phone with her I did not have access to my online banking I also received an email saying that my username was being changed. Before getting off the phone I asked her for a case number which she gave me but of course it wasnt an actual case number, and when I was finally able to log into my online banking after resetting my password several times, I saw that the {$900.00} was taking out of my account. I called TD back to make sure that the case number was filed and the dispute was filed to which I was informed that the case number did not exist and that no one from TD had actually called me. At that time I filed my first dispute, the next day I submitted proof of the emails and text messages that were sent to me while I was on the phone with the hacker/scammer TD representative. My first dispute was denied and I submitted a second dispute with this letter as well as even more proof of the fraudulent phone call and scam.
Company Response:
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A