Date Received: 2021-12-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My name is XXXX XXXX, I am residing at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. I have an account number with TdBank, account number is XXXX. I have had overdraft issues before and addressed it with the bank. Sometimes successfully. Sometimes not. Being recovering after a XXXX treatment and being managing a low pay job for now have not added much help. I have noticed that sometimes if I had 5 transactions pending and had deposit coming only in a day they would let 4 transactions pass charge maximum overdraft fees allowed per day, then let one transaction stay pending and pull it through the next day and charge overdraft fees on it too. Then when I would have my deposit coming in the fees would eat it up. Also there is a difference between mobile application and their regular banking application often they would show pending transactions in one order on mobile application then have it in another order in regular application. I have been trying not to pay attention to it but did take screenshots and sometimes reached out and addressed it. However what has happened recently is completely unacceptable. I had placed a purchase and lost my job along with my last paycheck being bounced which Labor department is investigating at the moment. This cause an overdraft and I was trying to transfer XXXX dollars every other day from savings account and noticed that my transfers are not minimizing my balance but go against new overdraft fees. I have two XXXX transactions in the amount to XXXX and XXXX been charged every other day up until XXXX XXXX and inquired XXXX dollars of the overdraft fees for each day, despite that these charges had been paid to XXXX XXXX XX/XX/XXXX in full from XXXX account and then my savings account and from that day was not charged towards my account. When reached out to the bank I was told to stop them or notify XXXX my explanations that inhave screenshots when it was paid and also emails from XXXX that this amount had been satisfied I was ignored. How could it be that this transactions are paid but TD Bank still showing that they are charged for the next 2 weeks few times a week?
Company Response:
State: NY
Zip: XXXXX
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: 2021-12-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: TD Bank N.A. is in direct violation of the consumer fraud protection rights afforded to me under the Electronic Funds Transfer Act in the amount of {$3400.00}. I have attempted on three separate occasions to resolve this manner and they have unjustly denied my claim on each occasion without providing any specific details surrounding their legal ability to do so. A full description of the events are as follows : On Wednesday XX/XX/2021 my debit card was lost or stolen in downtown XXXX sometime between XXXX and XXXX and somewhere between XXXX XXXX XXXX XXXX XXXX, TN XXXX and XXXX XXXX XXXX XXXX, XXXX, TN XXXX. I did not realize the card was missing until I awoke the following morning of XX/XX/2021 at approximately XXXX. Upon checking my email first thing in the morning I discovered {$3400.00} in unauthorized charges from XXXX separate transactions all occurring while I was asleep at my hotel on XX/XX/2021 between XXXX and XXXX. These fraudulent charges include XXXX consecutive transactions at a single ATM and over {$1200.00} in charges at a single XXXX location. None of this suspicious activity prompted any notification or protection from TD Bank. I immediately contacted TD Banks Customer Service line and informed them of the stolen card. This call occurred less than 9 hours after the first fraudulent transaction. At the time of my initial call all fraudulent charges were in pending status and had not been posted to my account. I was informed that the card would be immediately deactivated, but that I would have to call back once all of the charges posted to my account in order to report the fraudulent activity. The morning of XXXX XX/XX/2021 I confirmed that the fraudulent charges had posted to my account and called TD Bank Customer Service at approximately XXXX to file the fraud claim so that I could be reimbursed for all of the unauthorized charges. At the time I worked with the representative to review the account and confirm each of the XXXX fraudulent transactions individually. For the next week I awaited a provisional credit in the full amount of {$3400.00}, but received nothing. On XXXX XXXXXX/XX/2021 I received a letter dated XX/XX/2021 via USPS from TD Bank N.A. that stated Based on our investigation, we have determined that fraud did not occur. It also indicated a total amount of {$2900.00} which did not include all of the fraudulent charges that occurred after I reported my card as stolen. No further details were provided in this letter. On XX/XX/2021 I called to dispute this false claim that fraud did not occur made by TD Bank N.A. During this call I was informed that my PIN number had been used on a number of the transactions. They questioned how another individual would have obtained my PIN number. I advised them I was unaware of how this may have occurred, but informed them that regardless of the use of my PIN, all the transactions being disputed were unauthorized and fraudulent. They informed me that if I wanted to reopen a fraud investigation, I would need to obtain a police report from the incident. I immediately contacted the XXXX Police Department and filed the requested police report detailing every location where fraudulent activity occurred from my bank statement. The police informed me that I could contact them in 3 5 business days to acquire a copy of the report. On XXXX XXXXXX/XX/2021 I contacted the XXXX XXXX Police Department records office and submitted a request for a copy of the needed police report. On XXXX, XX/XX/2021 I received a full copy of the requested police report. I called TD Bank N.A. back on XXXX XX/XX/XXXX and informed them I had the police report in my possession and needed to reopen my fraud claim. They informed me that I would need to bring the report to a branch office since they were unable to accept any documents from me electronically. I complied and brought the report to my local TD Bank branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX onXX/XX/XXXX XX/XX/2021, along with a detailed list of my bank transaction history highlighting all of the XXXX fraudulent charges. The representative at the branch took all of the information and created a new fraud investigation. At this time they split the {$3400.00} in fraudulent transactions into 4 separate claims explaining to me that they were separating ATM, PIN and credit card transactions. The division of charges was done as follows : Request # XXXX {$2000.00} Request # XXXX {$75.00} Request # XXXX {$1100.00} Request # XXXX {$120.00} On Friday, XX/XX/2021 I received a provisional credit in the amount of {$2000.00} for request # XXXX. No provisional credits were provided for the other three requests. On Thursday, XX/XX/2021 I received four separate letters from TD Bank N.A. Three of the letters, for requests XXXX, XXXX and XXXX, stated based on our investigation, we have determined that fraud did not occur without any further explanation. The fourth letter for request XXXX confirmed the provisional credit stating this credit is granted pending completion of our review. OnXX/XX/XXXX XX/XX/2021 I returned to my local branch to contest the decision on the three requests that were denied and seek further explanation. The branch could not provide a formal response, but noted that the use of my PIN number on the fraudulent transactions was listed in the notes. The representative advised that he would submit an inquiry and have someone contact me directly. The following day, XX/XX/XXXX XX/XX/2021 I received a call from TD Bank N.A. to inform me that they were reviewing my inquiry. The representative on the phone could not provide me with any additional information, but asked if I had any information on how my PIN number may have been compromised. I informed him that I did not know and asked that I please be contacted to obtain a full explanation regarding the status of my claim. He complied. On XX/XX/XXXXXX/XX/2021 I received a letter related to request # XXXX informing me that based on our investigation, we have determined that fraud did not occur and that the provisional credit was being removed from my account. On XX/XX/XXXXXX/XX/XXXX,, 2021 the {$2000.00} provisional credit was debited from my account. No additional information has been provided regarding my claim since this date. To date I have received {$0.00} in reimbursement from TD Bank N.A. I am seeking immediate reimbursement from TD Bank N.A. in the full amount of fraudulent charges applied to my account in the amount of {$3400.00}.
Company Response:
State: NJ
Zip: 08096
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: 2021-12-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello- On XX/XX/2021, I had submitted a fraud dispute to TD Bank for a XXXX purchase that I did NOT make. Someone had hacked my XXXX online account and purchased an item for {$200.00} and shipped it to North Carolina. I live in Pennsylvania and did NOT make this purchase. I noticed the fraudulent activity on my account because XXXX sent me a shipping confirmation and I saw the charge was pending on my TD Bank Credit Card dated XX/XX/2021. I immediately called TD Bank but they said I can not formally submit a fraud dispute until the charge was posted to my credit card. They advised I call XXXX directly. I called XXXX and they said the item was already shipped to North Carolina and they could not do anything about it. I told XXXX to cancel my account with them to prevent any more hackers from mis-using my account. Once the {$200.00} was posted to my TD Bank Account, I called TD Bank back to formally submit the fraud dispute. It's been 3 months ( as today is XX/XX/2021 ) and TD Bank has not made any progress on this fraud dispute with XXXX. To this day, the {$200.00} is sitting on my Credit Card as a fraudulent charge. Please assist in resolving this matter. Thank you!
Company Response:
State: PA
Zip: 19008
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: 2021-12-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Dear Sir/Madam, Sub : TD denied my {$500.00} bonus and gave evolving reasons. I opened checking and savings accounts with TD bank USA in XX/XX/2021 and met all the terms and conditions for {$500.00} bonus but TD bank didn't credit me the bonus. They gave me a variety of changing reasons to deny bonus. All along in past months, I kept requesting to confirm my bonus eligibility but never got a straight answer. I filed complaint but the management didn't make any attempt to help. They kept telling different and changing reasons and apologized for poor customer service and also acknowledged that they need to groom their team but their apology didn't do any good to me. All the conversation with them is documented in secure messaging and mails. Disappointed, I ultimately put my account closing request to them yesterday. But I thought that this has to be reported so that no other customers have to go through this. If you could help with this, it would be great. Thanks in advance & warm regards.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Once again we are harassed by the TD Bank and XXXX XXXX XXXX duo in that when we login in to XXXX there is no mention of the below NEW {$300.00} charge back, and even lists a NEW {$5000.00} charge back that we can not respond to. Please urgently advise, and TELL THEM TO get it together. In other news, THEIR FIXER CONTACT " XXXX XXXX '' never answers his phone when we call him back and leave a message. Please TELL THEM TO attend to this matter and fix, or we will have to file yet another series of complaints against TD BANK and XXXXl XXXX of XXXX XXXX Unit with the OCC, CFPB, XXXX, FTC and XXXX. PLEASE TELL THEM TO be guided accordingly, and take a personal interest in resolving this matter.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am very upset with this issue. I sent a letter to the Creditors on XX/XX/2021 onregarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am writing to you regarding my TD Bank account. I called today TD Bank customer service asking if they could please refund some of theoverdraft fees recently posted on my account. They were rude and refused to comply.The manager was not helpful either. I was pressed for funds and I was forced to overdraft but the TD bank system did not allow me to overdraft the amount I needed so I endedup using multiple smaller transactions XXXX XXXX XXXX dollar fee. Even an XXXX charge of XXXX cost me a XXXX dollar fee which is outrageous. In total I was charged XXXX dollars in overdraft fees! This is really excessiveand I was asking to please remove thosefrom my account.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had purchased concert tickets and then discovered that the website was unofficial. I then informed my previous bank of what had occurred, and they had filed it as creditable. After showing them proof that it was not fraud, I opted to delete my account with them, but they continue to send me paperwork that I owe them.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, my account was debit {$750.00} that was immediately taken out my balance, and put in pending transactions. On or around XX/XX/XXXX, the transaction posted to my account. On XX/XX/XXXX, TD Bank took an additional {$750.00} out of my available balance, then posted the same transaction as being posted on XX/XX/XXXX. There is no record of what happened. I am owed {$750.00}. I'm told that I need to dispute the transaction. The issue is the fact that the bank took it out of my available on XX/XX/XXXX, then took it out again on XX/XX/XXXX. The {$750.00} was never put back in to be taken back out. I'm out of money owed
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Okay so basically for some reason td bank decides to put a restriction on my account and notes they going to close it so I cant collect my funds to hold restriction out on by the XXXX demarketing team which need to be the ones to give the ok to remove it so yeah I went to the branch for verified the branch worker sent a email out they have lifted the restriction yet so they can pay me out my funds and this is a problem I need help collecting my funds
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A