Date Received: 2021-09-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email a few weeks ago congratulating me for opening a new TD bank checking account. I reported the email to their claims department and heard nothing back. I kept receiving emails about my new account, and I finally called TD bank when I did not get responses to my concerned emails. I spoke with TD banks fraud department and they told me I am a victim of identity theft and need to file a complaint because my social security number has been compromised. They said they would be closing all accounts on their end but now I am very concerned about my information being stolen or used.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I was going for loan of $ XXXX with my TD Bank , on XXXX. I already have XXXX $ in checking account of my T.D.Bank account from last one year.Before that I was denied for credit card of T.D.Bank telling that it was decision from back office based whole or in part of information obtained in a report from consumer reporting agency.Again same reason for loan. I told that I am doing permanent job and if you need any other document from my employer, then I am ready to do that. I also explain that, if you want this money transfer in to C.D. for five year, I am also ready for that. Ultimately, I want to put my XXXX $ in fix & want loan from that.ANYHOW, I want loan from my money in checking account. Then, they refused & same reason. I donot understand, why should I am not getting money on my own checking account or on my request for CD. Please reply me ASAP.Thanking You,
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am located in Florida. On XX/XX/21 I checked my TD Bank account balance on line and discovered that my account had been drained, someone withdrew a total of {$23000.00}, at a TD Bank location in XXXX. There were three withdrawals directly at the branch, dated XX/XX/21, for {$9000.00}, then {$9300.00}, and {$4700.00}, and XXXX ATM withdrawals for {$100.00}, and {$380.00}, on the same day. My wife and I immediately called TD Bank and we notified the fraud department. I was instructed to go to my branch in XXXX, FL, and file a fraud report. The TD rep at the branch looked at the transactions and informed me that on XX/XX/21 someone impersonating me went to a TD location in XXXX requested to be issued a debit card to my account, TD Bank issued the card to them, and this person or persons subsequently went to the teller and in three separate occasions withdrew large amounts of cash totaling of {$23000.00}. Then they took more money out at the ATM. I own this account together with my wife. We went to the police and filed a report on XX/XX/21. At this moment, TD Bank has not given us any answer as to how they allowed this to happen. The money has not been refunded to the account. We have been to the XXXX branch every day, they are telling us that we need to speak with the Fraud department. We have been calling the Fraud department repeatedly and put on hold for 2, 3, 4 hours, day after day, nobody ever picks up. Do they even have a fraud department?? I tried to reach supervisors repeatedly, no one was able to give us any indication as to what happened and how and when we will recover our money. It is unconceivable that somebody out of state would obtain access to my funds so easily, with no questions asked. No red flags went off. No email or any message was sent to warn me that a debit card was being issued for my account, to verify that I indeed requested it. On the same day, three large cash withdrawals were made, of {$23000.00}, in a different state, in person, at a branch, and nobody at TD questioned the validity of these withdrawals, they just gave the perpetrator ( s ) my money!! How is this possible? I have been banking with TD for 8 years, my banking patterns are well established, how come these unusual transactions were not an alarm signal to TD? Where are the cameras, where are the video recordings showing how a teller at TD gave the entire content of my account to a physical person who was not me, in XXXX, when I live in Florida? This is such gross negligence! To add insult to injury, it is literally impossible to reach the so-called fraud department, they just do not answer the phone, and the supervisors have an terrible attitude. I need TD Bank to restore my funds immediately. That is why I keep money in the bank, so it is safe and secured, and protected from being stolen.
Company Response:
State: FL
Zip: 34990
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: To The CFPB Subject : make a complaint against TD Bank for missing money from XXXX XXXX XXXX. Dear sir, I am XXXX XXXX, XXXX of XXXX XXXX XXXX, writing this letter to make a complaint against TD Bank for my missing money. We have a corporate checking account A/c no XXXX on TD bank. last year on XX/XX/2020 to XX/XX/2020, almost {$34000.00} money missing from our corporation account. We visited to Local Branch at TD Bank right away ( XXXX XXXX XXXX XXXX XXXX Ny XXXX ) and they called TD Bank customer service to solve this issue. The Branch Manager promised to give our money back within 2 weeks. They advised us to make a police report and gave it to them. Also they advice us to freeze account & we did. However Hacker broke the frozen account Twice & then manager told us to close the account & open a new one & we did. After that, we visited the local branch many times but they never gave our missing money back! ( {$34000.00} ). They always blamed me ( XXXX XXXX, XXXX of XXXX XXXX ) that I did this transaction even though I always denied this transaction. But, when I verified that I did not do the transaction, they told me they issued a TD bank credit card on behalf of my name. I told them I applied for a credit card which I never received. When I verified the address it was different from my address. The Hacker also hacked my personal email, cell phone number, paid XXXX ticket, made a fake Id with my name which I did not recognize. All these things were leaked by TD Bank, I believe. The detective sent me an email which stated that they found the person and he will be arrested soon. My XXXX XXXX also got hacked, but when I called them they solved the issue right away and gave my money back. Im also letting you know that I did not have any access on XXXX XXXX corporate account, no password no atm card. The hacker played casino with the TD bank credit card and made credit card bill payment through online which I always denied. I am very disappointed in TD Bank. I attached a police report, detective conversation.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened an account through XXXX, who uses TDBank, for a payment plan on my Cell Phone. The first 3 month 's payments went through fine, then the next two months did not go through. I was not made aware of either of these not going through until the next month I noticed that I had more money than anticipated in my bill pay account. I researched and discovered the issue. I called XXXXTDBank who informed me that my account number was not correct and so the payments were rejected. The operator and I fixed the system error and made the payments in one larger payment. I realized that it may effect my credit statement, and so inquired about that not being shown as a late payment because of this system error ( and it was an error on their side seeing as my first 3 payments went through just fine ) - I was told that it shouldn't show up. So when it did, as I was applying for a home loan, I called back asking to get this corrected. I was told that they would not change the information, because the payments were late. This despite their system error, which messed up my account information, my attempts to make payments, and their system 's lack of notification telling me the information was incorrect/payment was not received. I made several attempts at having them remove this error on my report, but they refuse to cooperate despite my making the payments.
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They keep charging me overdraft fees. TD bank have these predatory overdraft pratices that they use to charge people overdraft fees. I was told if my account overdrafts and i put money in there same day before certain time i wont be charged a fee. My account was overdraft so i transfer money from another TD Bank account same hour and they charged me a fee of {$35.00}.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
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: I have contact XXXX 's on several occasion ( spanning a 1 year period ) regarding Acct # XXXX. The above mentioned account was opened in the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They have send me several corresponded claiming the account was validated & verified however my request for proof of that validation process has been unanswered.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im XXXX XXXX and I have a bank account with td bank. I had noticed on XX/XX/2021 XXXX that my bank account was hacked thru an app called cash app. I had XXXX saved in my savings account and when I had finally noticed all my funds being gone I had called my bank right away. My bank had put a dispute claim in and they denied it and there reason was cause I had logged into my Mobil app earlier in the day so I should have noticed it. Well it was in my savings and I never look at my savings account only my checking amount. I then had filed another claim on XXXX XXXX with td bank again and had told them multiple times that I had no knowledge that these funds where being taken from my account from XXXX XXXX. I had reached out to XXXX XXXX before calling my bank and they had told me only way to get my funds back was to contact my bank which is what I had done. These funds have been taking out for the matter of 1 monthXX/XX/2021s when it started and had ended XX/XX/XXXX I believe and sent to someone names XXXX XXXX XXXX XXXX. And a XXXX XXXX. nothing is still being done about it. I had told them I will be contacting law enforcement and a lawyer to bring them to court and there still saying its my fault that my funds were taken. I do not have XXXX XXXX nor do I send money on any money app. I do shopping online but with certain sites so Im wondering if that has something to do with my account being leaked. Im looking for all the help I can get in order for me to get the money I worked so hard for that was stolen from me. Im XXXX and a single mom of XXXX children and half that money was my childrens money for school and there daily needs. Im sick of fighting with my bank and then telling me due to me loggin into my mobile app is the reason why they keep declining my claim. Its not right that someone is able to do this to someone who works so hard for everything she gets. All I want is my money back thats all. I just dont feel its right that they believe its my fault someone hacked my account and now Im left with nothing and same with my children.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have this account that is not mine and i want it to be removed. 1. Identity Theft XXXX AND XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Was a victim of a job scam. I posted {$1200.00} I informed my bank of it but got rejected for receiving my money back and my account was closed for no reason. It officially closed on XX/XX/2021 but they blocked me from opening any other bank account with other banks. I shouldn't access my bank for over a month and went constantly to get the rest of my money out of the bank. Couldn't get any of my records because they shut down my account. I have a police report, fake check, fake job employment letter, and text messages. with all this information my bank still denied it was fraudulent.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A