Date Received: 2021-06-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: TD Bank, whom I have now discovered is staffed by XXXX XXXX XXXXXXXX, such as my personal banker XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX, ( XXXX ) XXXX, apparently rejected a law firm retainer fee wire transfer of {$5000.00} transaction number XXXX on XX/XX/2021 sent on XX/XX/2021 from my former client XXXX XXXX from his account ending in XXXX to my account ending in XXXX because the wire was sent to my name, XXXX XXXX, who is the sole owner and XXXX of my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. In addition, the TD Bank rep who I spoke with on phone today also advised that TD Bank has apparently also been rejecting all deposits ( even checks ) paid to my name as the XXXX XXXX The biggest kicker of all is, that they have never told me when these " bounces '' or " returns '' have taken place, thus lulling me into a false sense of security wherein I duly and diligently perform the legal work, while not even getting me paid. Please urgently investigate and advise, as due to my feverish last minute estimates, these people have cost me/rejected tens of thousands of dollars paid to my account from XXXX who never even told me that this happened, but happily accepted my work anyway,.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
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 ordered a XXXX XXXX XXXX and accessories in XX/XX/2020 ( 1 1/2 years ago ) - with a 2 week promise to be shipped. I called back every week to get a status update and this was continuously on backorder. In XXXX, I cancelled this order AND the credit card. I agreed to still get the accessories ( a heart rate monitor ). I never received this {$65.00} heart rate monitor. I have filed several disputes with the company stating I did 2 things - 1 ) The credit card was closed with a {$0.00} balance. ( please ask them for the recording of that phone call as the person on the phone confirmed ). and 2 ) the accessories never showed up at my house - so why would I pay for something I never received. I have a receipt for a heart rate monitor purchased from XXXX XXXX because this item was never received. ( Attached in this complaint below ). This company is now submitting late payment notices to credit agencies for credit card charges posting after closing the account with a {$0.00}. ( over a year later ) I have also mailed in an additional hard copy dispute form to XXXX XXXX ( TD XXXX XXXX ).
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of violent crime. I am not responsible for this account.
Company Response:
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This debt was included in my BK and discharged and is still showing on my credit report as if the amounts are still owed. This is not right nor accurate and I would like it removed immediately.
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
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 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: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am a customer of TD bank, where I hold a checking account. I am a US citizen, but have lived abroad for XXXXXXXX XXXX, and am not in the US often. I am currently out of the US. My bank requires a two-step verification, but has no actual way of updating numbers to it. In order to update the number, the system requires me to accept SMS messages on the old number and the new number. It is impossible in most places to accept an SMS on a foreign XXXX, meaning the bank has not given me a sufficient way to update my number. Further to that, the last number the bank did allow me to update with in a call last year, was a prepaid number, which I'm specifically told can't be used for verification. So they allowed me to update with an unusable number, and then locked me out of all functions. I failed the two-step verification because of these issues and have been locked out of all online, mobile, and telephone functions. I have called numerous times to get my account unlocked, but no one will help, and in fact, I am actually told I have to return to the US just to verify myself. I was told this while talking on XXXX, which allows video which can be used for verification. I can verify my account in every possible way, but I can't accept the text message for the two-step, and the bank thinks this is enough to lock me out of functions. I am more than aware that whatever their standard procedures are, that they can be overridden, and I can only imagine ( but will soon get the full legal update ) that in the event of me being locked out of my account, while abroad, with no one to speak to me, that criminal liability can be involved for anything that happens. I don't believe TD bank actually stands by this - or would put itself in this position, but I have been unable to get to a level where other measures can be taken. I asked the bank what happens if I lose my card, or if they think there is fraud and lock my account ( as both are functioning, though I can't get info on them ). I was told that no one would speak to me in such a circumstance, meaning the bank would cut me off from my funds, and not speak to me, even though I'm abroad, leaving me completely stranded. This is extremely dangerous, and would unequivocally result in legal action taken against them. I have called no less than XXXX times to have functionality restored for my own safety. They refused to allow me to speak with someone on a higher level with more authority. I have all of this recorded. As far as I am concerned, this is my money, and so long as there is any way to verify me, it has to be done, especially considering my circumstances of not being in the US. The bank is putting me in an extremely dangerous position, and then saying its for the security of my account, when in reality, it makes both me and my account incredibly insecure. I can not close my account, I can not report fraud, I can not request payments, I can not do anything but hope they don't randomly decide to block my card. This is unacceptable, and it seems pretty legally unacceptable as well, given the fact I was never given a viable way to update my security number, or a way to verify with something other than a non-pre-paid. I want to be let back into my account functions. This simply requires a verification of some kind outside of the two-step. Right now, I can't even receive communications from my bank because they refused to take down any other number!! Which means they can't get in touch with me, also quite dangerous, which I explained. But again, they chose not to do anything about this. I will seek whatever legal help I need outside of this, but I do not accept that I have to return to the US to have functions restored for my own account, and certainly not while I am perfectly able to speak to them to confirm who I am. This is not just an issue for me. This is an issue for anyone who goes abroad, and fails a two-step verification ... which given their policies, should be plenty of people.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: TD Bank refused to refund fraudulent payments on my checking account, so I stopped using them. Now, they're still taking monthly fees, and rather than closing the account, they're taking the fees out of my mother 's account, somehow. She was removed from the account many years ago.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Bank closed account without valid reason. Cause bill pays to be return At expenses. Funds were not received
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I signed up for a XXXX Bank checking account with a {$300.00} online bonus offer, described in this promotion : https : XXXX TD Bank did not honor their promotion and has not credited my checking account with the {$300.00} bonus, even though I met the terms. I called their customer service and they explained that they would not honor the promotion because my {$2500.00} deposit was made via check rather than ACH. The terms of their promotion do not state that there are contingencies based on deposit type. The terms simply state : " To qualify for the {$300.00} personal checking bonus, new personal checking Customers must open a TD Beyond Checking account with cumulative qualifying direct deposit funds totaling {$2500.00} or more into the new checking account within 60 days of the account opening date. '' I deposited {$2600.00} on XX/XX/21 so I should qualify and I'm owed my {$300.00} bonus.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: The company was supposed to pay a redress in the form of a refund. Insteas of mailingnme mt XXXX dollars, they put it towards a " balance '' I owed to them from an overdraft service in which the settlement was about. So they basically used the money to pay themselves.
Company Response:
State: CT
Zip: 06460
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A