Date Received: 2021-05-13
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: TD Bank issued a credit card without my consent, and they issued this credit card holding on a secure credit card deposit of {$500.00}, they failed to provide any proof of me requesting this credit card and they admit it was a mistake, they offered me a solution to close the secure CC which is my oldest credit card that I built my credit score on, and if I closed it I will have a huge negative impact my credit history score, I refuse to pay for their mistake by the effect my credit score.
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
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: This is a complaint against TD Bank N.A and also a Request that TD BANK N. A. reverse my funds from disputed transaction with the unscrupulous merchant ( XXXX XXXX XXXX ) Total Claim for the transaction : {$20.00}, XXXX Claiming from TDBANK = {$15000.00} including fees by TD BANK Claiming from XXXX = {$4500.00} under separate request Dear Sir or Madam, The Reversals Request filed by XXXX XXXX XXXX regarding CASE NUMBER XXXX, and Case # XXXX are invalid and warrants a CHARGEBACK. These RESERVALs are invalid because XXXX XXXXXXXX XXXX did not provide the Service as described and plus, 1- XXXX XXXX XXXX the merchant acted as a fraudster with malicious intent - I purchased a book marketing service with XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX XXXX XXXX sold me a high ticket service that he calls done for you whereby they will provide all the marketing services described in the attached agreement for me. ( Just like metaphorically speaking XXXX XXXX sold me a XXXX. I bought the XXXX. XXXX XXXX XXXX then goes on to deliver bicycles to me. I did not buy bicycles. I bought a XXXX. So I disputed his service and requested a refund. Either they give me the service they sold me or they give me my money back. I called TD bank to explain the situation and request my money back. TD Bank never gave me my money back. Because, they waited to hear from XXXX XXXX XXXX. XXXX XXXX XXXX then presents services unrelated to what I purchased, like a bicycle instead of a XXXX XXXX as evidence of service and work performed to TD bank and TD Bank believed and did not get me my money back. Please refer to my XX/XX/XXXX and XX/XX/XXXX email exchange with XXXX and XXXX of XXXX XXXX XXXX attached to this. Initially I wanted to be patient and work things out with XXXX XXXX XXXX. But their intention to swindle me was there from the beginning. They just were after my money ... not to provide any of the services they were promoting. 2- The statement quoted below from XXXX XXXX XXXX Dispute Response Information , is incorrect. Please see on the screen capture email exchange that XXXX XXXX who works for XXXX XXXX received from my editor the copy of my manuscript on XX/XX/XXXX before I signed and paid for the program. They did not print my book and never printed my book because their intention was not to help me. They just wanted to steal my money. This following quote is from XXXX XXXX XXXX in responding to TD Bank. It was just a lie. " Cardholder signed up for XXXX PROGRAM on XX/XX/2020 with the understanding our merchant needed all deliverable 's within the first week in the program ( latest XX/XX/2020 ). She fully aware that any delay would make it impossible for our merchant to meet the agreed upon print date. C/H didn't provide required deliverable 's within required time period. Book was not published on time because cardholder did not provide workable layout as agreed on the contract. This is a cardholder merchant dispute. " My dispute is correct. My email communications with the merchant showed that I provided to XXXX XXXX, the information he needed for reprinting my book and despite that, they acted as if they did not plan to work within the time frame they promised me. And because I was not satisfied I complained to XXXX XXXX XXXX, but they did not try to correct the situation by 1- Not providing the services as promised, which they received payment for. 2- Providing an ambiguous contract, intended to cheat and then mistreat and disrespecting me. I have tried everything possible to resolve the problem with the merchant to no avail. 3- XXXX XXXX XXXX purposefully lied in his response by accusing me for not providing the information they needed when they already were in possession of that information. And up to now, they have not provided the service I purchased. They delayed responding to my dispute to the point of annihilating my chances for providing a timely rebuttal so as to cause my case to be dropped in order for them to keep my money, instead of simply providing honest and ethical service for that money. 4- XXXX XXXX XXXX largely lied in his rebuttal letter citing 31 items with faked $ amount that he claimed to have provided. I did not want that plethoric of bicycles I just wanted marketing service done for you : get me interviews, promote my books in the media, do what marketing done for you is and that is the reason I spent all that {$20000.00} purchasing their service ... My book was already on XXXX I just needed a good marketing service to get the word out.. XXXX XXXX provided a long list of activities that XXXX XXXX XXXX actually provided nothing out of ... They promised me DO IT FOR YOU MARKETING and they switched me to a do it yourself with some false dollars amount so they can keep my money. I did not buy that I just wanted them to do my marketing so as to increase the sale. The transaction in question was paid ( from my accounts in two banks : TD Bank and XXXX XXXX ) for book publishing and marketing services the merchant promised to provide and that included republishing my book between XX/XX/XXXX and XX/XX/XXXX if I made my payment in full. I have made my payment in full just as stipulates the attached Agreement on page 1 section1 underlined in yellow. Up to now, XXXX XXXX XXXX has not printed nor delivered any book. They did not provide the service they promised on the attached Agreement on page 1 of the Attached Agreement. TD Bank was informed of the dispute by a claim I filed against XXXX XXXX XXXX. Yet, TD Bank failed to grant me the usual temporary credit and waited all through XXXX, XXXX, XXXX until XXXX, 4 months after I filed the claim to now tell me that I should personally go after the merchant, as if as a consumer, I was on my own without any protection from the Bank. I would never have gone to that merchant 's store and handle them such amount of money without the implied protection that I can benefit from, from the Bank.
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021 I received notifications that transactions were being made on my td bank account, I immediately called and spoke to customer service and was told that because the transactions were still pending I could not do anything about the fraudulent transactions. XXXX days later the charges were processed and no longer pending, I went into my local td bank and asked for the charges to be disputed and to receive my new debit card. A few days later I received a letter stating that the transactions were investigated and that there wasnt any fraud that occurred. I have asked numerous time since in emails and via customer service for the information that was used to make this determination, I still have not received this or any explanation, I have also asked for these charges to be disputed and investigated properly. These were fraudulent transactions that were made from my account to different XXXX in the amount of {$600.00} dollars. I have also made a police report after I received the notifications about these transactions. Td bank has not been any help to me.
Company Response:
State: VT
Zip: 05401
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I deposited a personal check in my TD Bank account for {$320.00} on Saturday XX/XX/2020. I then initiated a ach transfer to an outside bank to be completed on Wednesday XX/XX/2020. Both the deposit and transfer were pending on Monday XX/XX/2020. I received a overdraft charge fee of {$35.00} on Tuesday XX/XX/XXXX but according to the overdraft statement the check was cleared on XX/XX/XXXX. TD Bank then sent an email about an unsuccesful transaction at XXXX on Wednesday XX/XX/XXXX and proceeded to put the transfer through again, with no option for me to cancel, minus the overdraft fee of {$35.00} which caused my bank account to go negative and receive another overdraft fee of {$35.00}. So in two days TD Bank charged {$72.00} in fees.
Company Response:
State: ME
Zip: 04401
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Good day, I am a XXXX citizen but opened a cross-border bank account with TD Bank around XXXX, XXXX. I initiated a transfer from a colleagues XXXX account to my TD Bank account for around {$17000.00} USD. Every week proceeding the opening of the account I would go to the branch to find a reason as to why my money is on hold and why my account is frozen. The cross-border banking agents for TD Bank would then lie to me over 2 months saying my XXXX form was filled incorrectly. After the 10th time I submitted that form and wasting time at the branch, I was finally told my account has been " demarkated '' around XXXX, XXXX. I have then wasted counted hours/days on the phones with TD Bank customer service and their cross-border banking team with no progress at all. They have held my money ever since and I have since given up hope of ever seeing my money returned to me. Any help would be most appreciated, Regards,
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. My financial life has been ruined due to this situation. I was not actually late. There was a third-party company that was supposed to make the payment on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payments were on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. I sent Nordstrom proof of bank error, but they disregarded it and didnt remove late. I am requesting Nordstrom to correct the late payment. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 3 years and I want to keep on having a good relationship between us. I really hope you can deeply research this case and take a fair decision. Account information : NORDSTROM/TD BANK USA XXXX, opened on XX/XX/XXXX, highest balance {$9700.00}. Thank you.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had about XXXX dollars in my account on Friday XX/XX/XXXX. I used my debit card to withdraw cash and made 3 small dollar purchases throughout the day ( {$15.00}, {$10.00}, and {$10.00} XXXX that brought my account to {$710.00}. I paid my movers at XXXX and XXXX via XXXX, but I made a mistake on the second payment and used the same debit card linked to my bank account. I have Debit Card Advance enabled for purchases where I might overdraw, and I accepted the mistake and the {$35.00} fee because they graciously covered the {$280.00} overdraft. On Tuesday XX/XX/XXXX, however, they assessed me {$100.00} in fees for three overdrafts. I was stunned, because I did not use my debit card after I overdrew my account and in fact turned it off to make sure nothing, not even a recurring bill for {$1.00} from XXXX for my email, would throw me further in the hole and incur an additional overdraft fee. The bank can verify they authorized those payments earlier in the day but, by tricky processing times, because those payments posted on Monday overnight, when I was already overdrawn before I had a direct deposit go in on Tuesday morning, even though I made those payments when the balance was positive and had no fear of overdraft, TD Bank now says the posting time means I incurred those fees. They are more than happy to say funds unavailable when they do not want, and take the money out of my account right away because it's pending, but somehow because " XXXX closes their batch late '' I am on the hook for 3 {$35.00} overdrafts when, conveniently, the large XXXX transaction that I did later that night and do not dispute the overdraft on, nor the fee assessed, posted right away and caused a fee the next business day. This debit resequencing is fraud and is done specifically to disfavor their customers. The service they provide is valuable and when I have overdrawn I understand it's my mistake. Note that I am not disputing other recent charges when I did, nor the {$35.00} charged on Monday XX/XX/XXXX for the offending overdraft. Fair is fair. This, however, is not fair. And their deposit agreement states they'll transact in chronological order but then somehow with overdraft they disclaim all of that when it comes to fees they might be able to earn.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had someone tap into my accounts and steal {$770.00} from my savings account and {$1100.00} through my debit card I filed a police report and called bank immediately I closed those accounts. Then they charged me international fees on top of it. The bank fraud department says they looked into it and it's my fault! How is this my fault? They never even contacted me about the these unusual large sums yet they put a hold on my account a few days earlier about {$94.00}, which wasn't even a problem. I desperately need this money back and banks do have insurance for this. but no one is helping me. It is TD Bank.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Good morning, On XX/XX/2021, at XXXX XXXX I withdraw {$400.00}, from a TD bank Atm located at XXXX XXXX XXXX in the XXXX, NY. As soon as I took my atm card out and waited for my cash to be dispense, the machine turned off. I informed the store worker, ( ATM machine was inside a Metro PCS store ) and told him the machine didn't give me the money. The Store worker informed that the machine was having issue all day and someone had just came to service the machine. I had made three claims to TD Bank, XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), and all three were denied. The machine didn't dispense the money, and it was not my fault due to the machine malfunction. I'm sure they can check the ATM camera and see that I dint take the cash.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made an online mobile deposit, on XX/XX/2021, for {$2300.00}, I visited TD bank, in XXXX ; XXXX Florida ; the bank put a hold on the check, Beyond the next business day ; I visited TD bank 's local office, with the check in my hand ; with a Florida ID ; I was refused service, or any portion of the funds from the above attempted mobile deposit ; I feel like I was discriminated against by TD Bank 's, XXXX ( TD Bank ) Manager.
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A