Date Received: 2021-07-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a checking account with TD Bank in XX/XX/XXXX, and I have previously had a checking account with TD Bank that was closed in XXXX. I opened the account with a promotion for {$300.00} for a new checking account with direct deposit terms while being not available to those who have not had a checking relationship within the past 12 months. ( See footnote 1 in the attached PDF ). I met the terms of the promotion, though TD Bank is denying me the promotional offer. I have secure messaged them multiple times from XX/XX/XXXX until now, and their response is that the offer was not intended for those with a previous checking account relationship at all. The problem is, that language was NOT in the terms of the agreement when I opened the account, and TD Bank is attempting to deny me the promotion based on language not in the contract they are trying to enforce.
Company Response:
State: MA
Zip: 01089
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021, at a point in time between XXXX XXXX. and XXXXXXXX XXXX, I initiated an ATM withdrawal of {$750.00} from the TD Bank branch at XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NY XXXX. However, I never received this money ; if the money was disbursed, then I must have absent-mindedly left the bank without taking it. I have filed three successive claims with TD Bank requesting that its investigators review camera footage relevant to to this ATM transaction and then release that footage to me ; and/or to XXXX XXXX, XXXX. and manager of the Bank 's XXXX XXXX XXXX, the branch most convenient to me because located nearest my residence ; and/or to the XXXX XXXX Police Department ( XXXX ). My third and last claim included the attached scan of XXXX Verification of Crime Report No. XXXX. The Bank summarily denied all three of my claims. The denial letters issued by the Bank show that the Bank 's " investigation '' of my claims was limited to determining whether my money had been disbursed and taken ( the Bank asserts that it was ) ; however, the Bank 's investigators made no attempt to review the relevant camera footage to see whether it was I who took the money. A review of this camera footage would show conclusively that, if my money was indeed disbursed and taken, it was taken by a person who entered the Bank immediately after I left ; such a review could lead to the identification and apprehension of the thief. The Bank refuses to review and release its camera footage, and it refuses even to review that footage, absent the Bank 's receipt of a subpoena from the XXXX compelling it to do so. I have been unable to persuade the XXXX 's XXXX XXXX, which is the Precinct that has jurisdiction of the location where the theft took place, to issue a subpoena. The Precinct 's Detective Squad is the only section in this Precinct that has the power to issue subpoenas but the Squad refuses to do so because the crime is one of petit larceny ; according to Detective XXXX, one of the Squad 's detectives, the Squad 's policy is to investigate only felonies. In accordance with this policy, the Squad handed to one of the Precinct 's Neighborhood Coordination Officers ( NCOs ), namely Officer XXXX, Shield Number XXXX, the responsibility to investigate the complaint that I filed with the Precinct on XX/XX/2021 ; as far as I can tell from my conversations with Officer XXXX, no investigation of any kind has been conducted and the case has been closed.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
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: TD Auto Finance is reporting a late payment to my XXXX credit report for the month and year of XX/XX/2020. TD Auto Finance is reporting a late payment to my XXXX credit report for the month and year of XX/XX/2020. This is inaccurate reporting. I've never made 1 payment late. How can XXXX and XXXX report two completely different late payments both reporting as accurate when in-fact it is not? TD Auto Finance has yet to prove that I've ever made any late payments. Simply stating that I have previously made a late payment is not good enough. I NEED PROOF! I've already proven that TD Auto Finance is reporting inaccurate information to XXXX and XXXX now I would like for the payments to be corrected to NEVER LATE. XXXX and XXXX are reporting different months and the errors are clear.
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX, ME XXXX XXXX Brief description : Claim against TD Bank , N.A . XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX T : XXXX Claim Number XXXX On XX/XX/2021 I received text messages to my cell phone that stated they were from TD Bank Fraud Department, claiming someone was accessing my account and to verify some transactions. I was apprehensive to answer the texts so I ignored them. Next I received a phone call with an automated voice recording claiming they were calling from TD Bank Fraud Department and to press 1 to speak to a representative. I pressed 1 and the caller confirmed/verified all of my identity for me, I did not provide it. They claimed that I did not respond to the text and were concerned, that is the reason for the call. The caller then explained that there were transfers being made on my account and to verify that they were not mine, the caller would send me a text code and I had to read the code back to them. This went on for about 4 texts and was taking a very long time so I told the caller I was going into the Bank to speak to them about this. The caller advised I NOT go into the bank as they couldn't help me because this was an online issue. This is where I became very concerned and went into the bank to meet with the fraud security department. I showed them the back to back texts that were clearly from TD BANK FRAUD Dept. and the phone log from the caller stating they were from TD Bank. The Fraud Security person looked into my account and there were 4 transfers made back to back and correlated with the timing of the texts. This was clearly fraud and a scam. TD Bank has done nothing to refund my {$990.00} and claim that fraud did not occur. I have filed 2 complaints with them, they claim the first complaint was filled out incorrectly so I filed a second time. Both were found to not be fraud. TD Bank is doing nothing to protect my account or provide any type of refund. Coincidently, the fraudulent activity began after using my card in the local Target Dept. store. I hope you can help me with this. XXXX XXXX XXXX
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Please refer to complaint XXXXwhere i was charged {$15.00} for an allegedly bounced check from XXXX XXXX wherein fact TD bank misentered the check amount and charged me {$15.00} fee mistakenly. Today i spoke with XXXX XXXX, XXXX XXXX and XXXX at TD bank to refund me the {$15.00} for their banking error and they did not and provided no explanation. Now I would like to be refunded {$15.00} from TD bank and receive {$15.00} for my time and inconvenience. The check from XXXX was for {$50.00} and td bank mistakenly entered it as {$59.00}.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There are a lot of unauthorized transaction deductions on my TD bank checking account. I filed an objection with the bank. I contacted the merchant but it didnt work. The bank maliciously rejected my objection many times. I went to the police station to report the case number. After I gave the case number to TD Bank, they still maliciously rejected my objection again.THE POLICE CASE REPORT NUMBER IS XXXX
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Problem when making payments
Subissue:
Consumer Complaint: Hello I a got accepted for a loan through XXXX XXXX XXXX XXXXXXXX back in XXXX of XXXX. Since then I have never received anything in the mail regarding statements, due dates, late fees, loan agreements, etc. Unbeknownst to me it was reporting late from XX/XX/XXXX to XX/XX/XXXX. This is unacceptable as I was never informed I had a payment due and never received anything in the mail!
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have opted out of overdraft protecting completely ( as opposed to just opting out of some protection, 2 opt-out options the bank proposed ) when I opted out I was left with the information that if my account has no money to cover transaction then I may still get hit with a insufficient funds fee. Which I was ok with. However I did NOT expect TD bank to STILL temporarily deduct the amount I didnt have the funds to cover. PLUS the fees and THEN when the charge was no longer pending, credit me for the amount that should have been rejected instead! So Im not only now in a negative state regardless if temporary or not, the hold was long enough for the charges I did approve get rejected resulting more fees. An example, I had opted out of OD and I lets say I was expecting a check for XXXX attempt to clear but I didnt have the funds, which should have left me with a {$35.00} charge but instead of charging me just the insufficient funds fee they still deducted the {$100.00} anyways, but as a hold not a charge they plan to credit back the {$100.00} after a day or two holding that amount of the check that shouldnt have cleared at all!! Now the approved charges were now unable to clear causing my account to suffer additional fees. My account according to our agreement should be left with a zero bal based on my records and what I was told, not a negative bal. causing even more fees and problems! TD bank didnt refuse a check from clearing due to insufficient funds like I was told they would after opting out of protection. Instead the bank still subtracted the check plus charges from fees so my attempt to have enough money to cover my intended purchases and leave enough in my account to cover any charges a bounce check created! When TD credited my account for the amount they held from the check that should have bounced it was too late! So according to my agreement and my calculations I should have been left with enough money to pay a fee + the XXXX charges I authorized leaving me a bal of XXXX, However because of how they did things, it will now cost me over {$110.00}, leaving my account in a very bad way with a negative {$110.00} instead. This cant be fair? What was the point of opting out of OD protection if they still planned to remove funds that arent available? Then charge me for overdrafts or insufficient funds for each item on hold even if I agreed to pay them before check tried clearing. They argue that it is only temporary but even if temporary it was held long enough to disregard anything else coming through and clearing. I feel like I was lied to and stolen from. Dont I have rights and a way to protect myself and hold them for ever penny it cost me because they lied? I truly hope so, I will make this publicly known after this complaint to protect and help others from experiencing the same thing!
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I, XXXX XXXX, entered into a consumer credit transaction with TD Auto Finance on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. The finance charge is not to include cash, but I was required to pay a down payment of {$2000.00}. The finance charge is also supposed to include auto insurance, but I was made to purchase insurance separately. The contract provided to me by TD Auto Finance did not disclose the right to rescind, nor did they provide appropriate forms to allow me to exercise my right to rescind. This is a violation of my rights per the Truth in Lending Act 15 USC 1635 ( a ).
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A