Date Received: 2021-07-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Twice I have closed my TD account this year. The first time, I was emailed and sent a letter that my checking account was closed only to find out that I had over {$35000.00} in the account. I recently closed it again, with another letter stating my account was closed. I also closed my Visa card. I recently moved and asked what was my total charges on the Visa card. I was told that it was around {$12000.00}. I paid the full amount due and cut up the credit card. I then find out from TD bank that I still had about {$23000.00} in my checking account and finally spoke with a specialist after I told them that I was filing this report if they did not wire my money into my XXXX XXXX in XXXX XXXX NJ. They wired {$16000.00} into the account the following day so I though that was that. It takes forever to get an associate on the phone and after waiting 1hour and 47 minutes on hold, I hung up. What prompted the call last night was an email I received that they are sending my XXXX car payment of {$1200.00} out tomorrow. That was my second notice on that. I tried calling four times and emailed them twice. I am now on hold again at XXXX for 22 minutes. This has been notorious behavior by TD bank in this area which is why they are closing at least 16 branches in the area. I had both a business account and a personal account with more that $ XXXX dollars in the two accounts. I couldn't even get {$10000.00} dollars out without waiting nearly a week, and I quote, " for the truck to come. '' Not only that I was told to call first because, and I quote agin, " you never know if the truck might break down. '' This is a known problem with many people I know as well as the constant line of people in the various branches around here. They closed the inside of a local branch on XXXX XXXX and an older man had walked to the bank to get some money out and he couldn't so I gave him money to get a taxi and at the same time another person asked if he could get to " gift cards '' because he couldn't get any of his money out either. XXXX XXXX
Company Response:
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the night off XX/XX/2021, I went out to a restaurant in XXXX with 3 friends. On the way home around XXXX, I realized my TD bank debit card was not in my wallet. I immediately froze my card then checked for any unusual charges on my TD bank app and saw none. The next morning, I checked my app again and I saw 3 " DDA Withdraw '' pending charges ( {$300.00}, {$300.00}, and $ XXXX= {$700.00} ), along with 3 accompanying " NONTD ATM fees '' of {$3.00} each. The location was listed as XXXX XXXX XXXX, XXXX, PA for those charges, which is just a few blocks away from the restaurant I was at. I immediately called TD bank customer service and was told that I could file a dispute for the charges but would need to wait until the pending debit charges officially went through on the app. On Tuesday, XX/XX/XXXX, the charges officially processed so I called TD bank back and filed my first dispute. I explained that I was not exactly sure when the card was lost, but assume it was on my way to/from/or inside the restaurant, somewhere between XXXX XXXX. I asked the representative if the PIN number was used and he said it was. He said it was first entered incorrectly around XXXX, but less than a minute later was entered correctly and was then entered correctly for the next 2 withdrawals minutes apart. I asked how someone could take money out from my account without knowing the PIN number and he said either they watched me use it previously or, that it was rare but possible that someone shared the same PIN number. He felt confident I had taken the right steps and would get my money back after TD 's investigation and verbalized this. A week later, I received a letter in the mail from TD bank explaining that they had reviewed my dispute and concluded that no fraud had occurred and the money would not be reimbursed. On XX/XX/2021, I went to the TD bank at XXXX XXXX XXXX in XXXX to speak to them in person regarding the denied dispute claim. The customer service coordinator, XXXX XXXX, read me the investigator 's notes about the decision and said the reasons for the denial were that 1. the PIN number was correctly entered and 2. the bank account was not completely drained. I explained to the representative that according to the other representative who filed my first dispute, the PIN was entered incorrectly the first attempt. I also explained that I have a limit of {$700.00} per day limit in withdraws on that debit card, therefore, the person did drain all that they could possibly take at the time. I had frozen my card before they were unable to reattempt another withdrawal the next day. I filed a second dispute based on those facts but was also recommended to file a police report as well to help my case and told to give the DC number to TD bank once I had it. This dispute was also denied, based off the same two reasons I listed previously. I filed a police report at the XXXX Police XXXX District office, requesting that the ATM cameras be reviewed to determine that I had not been the one to withdraw the money. I gave TD bank the DC number from the police report as they requested and filed a third dispute with XXXX, one of the managers of TD Bank on XXXX XXXX. He said he would contact me directly regarding a response from the dispute investigators and I never received a response back. Lastly, on XX/XX/2021, I called TD Bank again for an update. I was forwarded to XXXX who said my third dispute was also denied, again based off the same two reasons. I requested to speak to the investigators of the disputes to discuss these decisions and XXXX refused. He said the only thing he could do was email the investigators on my behalf to see if there is anything else that can be done. I again requested that the ATM cameras be reviewed and attempted to explain how their reasoning did not make sense for the other denied disputes. I have still not received a response. Not only is TD bank refusing to acknowledge the flaws in their reasons for denying my first three disputes, but they have also failed to review the ATM cameras though they have the exact location, date, and time of these withdrawals. They have also failed to consider that these withdrawals should have been flagged in the first place as they are abnormal and stray from my usual banking pattern I have never taken out {$700.00} at midnight and in 3 separate, consecutive withdrawals that each require a {$3.00} ATM fee. I do not feel that TD Bank conducted proper due diligence in this investigation, and although I followed every step they advised in disputing these charges, it is costing me my {$700.00}. I would like to be reimbursed the money I am owed as a trustworthy, loyal customer. Thank you.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
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 have a debit/checking account with TD Bank. My XXXX bank statement had a debit card purchase which occurred on XX/XX/XXXX for {$110.00}. I have no knowledge whatsoever of this transaction. Rather than a recognizable company name, it just says " XXXX XXXX XXXX ''. I had no idea what this means. The bank said, when filing a dispute on XX/XX/XXXX, means crypto currency. I never in my life purchased crypto currency, and know nothing about it. The amount in question is {$110.00}. The bank had given me a provisional credit of said amount. Their Dispute & Claims dept. has now sent me a letter advising that their dispute investigation is complete, they have found no evidence of fraud, and will be withdrawing the provisional credit of {$110.00}. I am appealing their decision. I should not be held liable for a fraudulent purchase. I have also obtained a new debit card from bank.
Company Response:
State: MA
Zip: 02150
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
Company Response:
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2012 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Company Response:
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the Target store credit card using their online application process. I submitted a proper application with all the correct identity information. ( The customer service agent confirmed that my application was approved, subject to identify verification ). Upon approval, the online application system started asking auto-generated identify verification questions. However, all these questions appeared unrelated to me, which indicated that the system was asking about an identify of someone else. As a result of the error in the automatic identify verification system, Target initially put a burden on the customer to prove his identify, and in turn unilaterally denied the application, after putting an hard inquiry on my credit history. My credit score dropped because of the hard inquiry. When I contacted Target to correct the error, a Target representative and her manager refused to correct my application or the error. When I ask the reference number to the case and a contact for their legal department for written communications, the call to Target was disconnected by Target. Target must nullify the application and remove the credit inquiry, because the credit denial was due to their error.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received a {$100.00} TD Bank Visa gift card from a client in XXXX. I put it in my briefcase, but when I finally decided to use it in XXXX, I noticed that there was an " inactivity fee '' of {$2.00} per month after twelve consecutive months of non-use. I presented my card at a restaurant on XX/XX/XXXX and I was told that the card was only worth {$45.00}. So TD Bank pocketed {$55.00} of my client 's gift to me. I saw that the fee was shown on the card 's activation sticker. I presented my complaint to the Massachusetts Banking Commission, but since TD Bank is a federal bank, they told me that only CFPB had authority. If my client had given me a gift certificate to that restaurant in XXXX, it would have still been worth {$100.00} in XXXX. I am not happy that TD Bank can move my client 's gift to their bottom line. I would like the card to give me the full value of {$100.00}. I mentioned this complaint to XXXX XXXX, the ombudsman at XXXX XXXX XXXX, but he told me that TD Bank was " within the law ''. I want to lodge a complaint about the unfairness of a law that allows a federal bank to confiscate gifts as I have described.
Company Response:
State: MA
Zip: 01720
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Currently reviewed my credit history and found charges to Nordstrom Card that I have not placed as well as missed payment for the the balances, contacted nordstrom and they could not explain. The charges and kept directing me to contacts that where not available during the time of my calls and outside my typical availability during the business hours. Did not receive statement but upon review on site realized they charged me XX/XX/31 for unknown items with no receipt, I requested receipt of items not provided then proceeded to charge me for non payment each month going forward.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new checking account with TD bank on XX/XX/XXXX under an online bonus offer to receive {$300.00} after receiving {$2500.00} in direct deposits within 60 days of opening. I've copied and pasted the exact terms and conditions below : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank withinthe preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offeravailable to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit fundsof {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checkingCustomers when opening a TD Convenience Checking account with cumulative direct deposit funds of {$500.00} or more into the newaccount within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension orgovernment benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between yourTD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonuswill be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus ''. I previously held a TD account until XX/XX/XXXX, at which time I closed this account. It was 19 months before opening another account, clearly making me eligible for this bonus per the terms. I had several direct deposits into this new account over the first 2 months, accumulating well over {$6000.00} in direct deposits from salary. After 140 days I have yet to receive this bonus and when reaching out to the bank they state since I've had an account before they will not honor this offer, even after pointing out it had been over 12 months since holding a checking account with them. I have completed all required terms and satisfied the stated requirements per their advertised contract, yet they are refusing to honor their promotion.
Company Response:
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A