Date Received: 2021-05-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Opened an online checking account with TDBank on XX/XX/2021. Several emails were sent to me confirming the opening of the account. TDBank accepted my opening deposit of {$50.00} on XX/XX/2021, and a partial paycheck deposit of {$680.00} on XX/XX/2021. I was then unable to log into the account. Per TDBank, the account was " frozen '' by fraud department, but I received no email notifications of this, despite receiving 9 TDBank Alert emails between XX/XX/2021 andXX/XX/2021. The deposits were still accepted despite a " frozen '' account. I made multiple attempts to contact the fraud department to discuss, and several times, my call would be " dropped '' after a long wait. TDBank is requiring me to visit the bank in person to unfreeze the account. The branches are all a two hour roundtrip drive ( which I did not consider at the time of opening as modern banks do not require in-person trips, especially during a pandemic ), and I am unable to travel there due to work commitments. TDBank refuses to transfer the money out, refuses to allow alternative means of identity verification ( video, online, documents, etc. ), and will not give me a timeline for which the account will remain open. I anticipate TDBank will close the account and refuse to return my $ 700+, and the company was unable to say whether or not that would happen.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: In early XXXX, A person used my bosses email to scam me for gift cards. Said it was for rewards and that he was in a meeting so I couldn't call. I just started a new job so didn't want to XXXX off the boss so did as he asked. I recognized his name as well so again just did what was asked. Went and bought {$2000.00} with a debit card into XXXX gift cards and sent him/her picture of the cards. Dad came home who is close friends with the boss and asked what I was doing. Told him and he called the boss and that's when we realized it was a scam. We called XXXX to Cancel all the gift cards as I have them physically. We gave them the long front digit code, the passcode on the back, the time and date purchased and the location. Even called TD bank to cancel the DEBIT CARD not my ACCOUNT because I didn't know if they could get my debit card as well. Was just scared of losing all my money. Have had HOURS of conversations with XXXX and my bank ( TD ) on getting this resolved. XXXX did a full investigation and have in their records that this was fraud as it was misinformation for manipulation. You can call the XXXX verification payment number @ XXXX and give them the Customer Id # of XXXX. They have a record of every time I called. On XX/XX/XXXX XXXX completed their investigation and found fraud did occur as they saw where everything was being shipped and it was no where near me. They canceled all the gift cards and REISSUED my {$2000.00} dollars back to my OLD debit card. They issued what TD bank calls a " pending Refund '' that requires an authorization code. But since the card is canceled their Merching services or the " Visa Middleman '' is rejecting the refund instantly because the card is canceled. This is where all these problems have been occurring. Over the past 2months I've been calling and every time they push the problem on each other. TD bank says their hand are tied because its a pending refund and they never received a dime. XXXX is saying they sent {$2000.00} out and its out of their hands as well. I still have the original debit card that was canceled. I have the ORIGINAL bank account number as I never canceled that. I have all the gift cards, the receipts, everything. I just want to get my {$2000.00} back. I am getting close to getting a lawyer and just taking them to small claims court. This is near my last line of hope.
Company Response:
State: PA
Zip: 19038
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I sold my car on XX/XX/XXXX. A Cashiers Check # XXXX was issued to TD Auto Finance on XX/XX/XXXX in the amount of {$12000.00}. Later, I received a bill from TD Auto Finance and I noticed the payment had not been posted. So, I called my bank and found out that the Debit to the Cashier Check had not cleared and I was informed by them that it was most likely lost in the mail because it was over a month it had been sent to TD Auto Finacne. I called TD Auto Finance and sent them over the bank credit copy of the cashier check that was issued to them on XX/XX/XXXX and we both agreed it must have gotten lost in the mail. I spose with XXXX XXXX a manager there and he said they would honor the payoff if I faxed over all the information for him to see. ( Bank Credit Copy that was issued to them on XX/XX/XXXX, Stop Payment of Cashiers Check and Reissued Cashiers Check ) I did do that and have all the documentation to prove it. Today, XX/XX/XXXX I received a bill from TD Auto Finance for {$59.00} that included a late charge. When I called I was on hold for 30 minutes before a representative said I had called the wrong number she could not help me any further. So, I called the number she gave me and it was the number to the Charge Off Department which my loan is absolutely NOT charged off so they told me I had called back the department I previously called. Once I called again I was transfer again and then transferred again to a manager who I either became disconnected with or was hung up on. ( I will go with the positive and hope I was just disconnected ). After that I called back and just paid the {$59.00} because I was not spending anymore of my time on he phone with no one that could help me. I just fee that I was lied to as a consumer by being told they would honor my payoff when they ended up charging me a late fee and additional interest. I have not checked my credit report as of yet but I'm sure this late payment will reflect negatively on my report and I feel as though this is not my fault because I contacted the company and sent them all information they asked for. Thank you for your time in this matter.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
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: I am filing a complaint about my checking account with TDBank, a bank in which I have been a customer for over 30 years. On XX/XX/2021 my phone was hacked and two XXXX transactions were sent from my account to an unknown person. I immediately filed a complaint with the bank ( in person ) and was made to change my checking account # and that the claim would be denied due to it being authorized by my phone. My phone was hacked that is why. Since that time I have called the bank and sent them a letter of complain which I will copy here and every time I am given the answer that that claim was denied because I authorized it from my phone. I have followed up with a representative at a branch in XXXX who was very helpful and filed the complaint 2 more times with the same result. I Obtained a police report to prove that the money was sent to nobody I knew. I am attaching the letter I sent to the bank 2 months ago with all the pertinent details. See attachment
Company Response:
State: MA
Zip: 02128
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: 2021-05-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I keep paying my credit card balance and they take my money from my bank but then they don't apply it to the available balance. My current balance will say zero but they wont let me use the card because they put my card on hold for 15 days after the payment goes through. I'd pay with my bank account. I've never been late. According to one of the phone calls I made in XX/XX/2021, the Target representative said that I'd made to many payments ( I believe it was 4 or 5 ) in XX/XX/2021. I thought this was strange as all 4 payments had come from my checking account and cleared with no problem. Before the first phone call, the first thing I did to try and messaging to resolve my payment and updating my available balance issues. The first interaction with Target reps I inquired why my current balance was adjusted properly but my available balance still showed no change after paying and verifying with my bank that the funds had been removed from my account. The next two billing cycles XXXX and XXXX I tried messaging them to resolve the same issue no available balance after having paid them and funds being removed from my account. They refused to update my available balance and were no specific in why. I believe the first time I tried to call was in XX/XX/2021. I tried calling and speaking in person with a rep and was told several non specific reasons why my available balance wasn't adjusted after I'd made payment, but was unable to resolve the issue. I tried calling again in XXXX and they said I'd made too many payments in one billing cycle back in XXXX, so I started making one large payment, paying in full the balance on each subsequent billing cycle but they still didn't apply my payment each time and refused to do so when I called or inquired why. Finally, in XXXX and months after I'd made to many payments they told me my account was on hold for suspected fraudulent payments. I asked for the policy that supports such actions against my account and they said they did not have it in writing that it was a discretionary security protocol decision made by a supervisor. I've never bounced a check, cancelled a payment to them. It comes from my bank account the same way every time. They've done this to me know for four billing cycles in a row.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hi Sir/Madam, This is related to Target Credit Card XXXX. There was a statement that was generated on XXXX XX/XX/2021 for {$110.00}. I made the payment on XXXX XX/XX/2021. This company initiated the Auto Payment for the same amount on the XXXX of XX/XX/2021. They mentioned that the payment got returned for the wrong account number and not sharing what the account number was. If I have already made a statement balance paid how they can charge again for the same amount. They charged a fee of {$29.00} and said there is no provision to waive it off. I spoke to Supervisor also. They are not helpful. If their systems are not intelligent enough to see if a customer already made the payment of the statement and initiate the auto payment again, then it is not the customer 's fault. On top of that, they are not sharing the details. I have XXXX XXXX XXXX, while talking to them and explaining to them it is getting increased, and I don't want to talk to them.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I made my payment every month, they claim payment was late on multiple occasions. First I had a extension due to COVID then the Texas freeze. Therefore, late payments should not have been reported as agreed. TD AUTO FINANCE
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XX/XX/XXXX I wired {$2000.00} to family member in XXXX from a td branch. I paid {$50.00} for the transaction which brings the total to {$2000.00}. When I checked on the status on XX/XX/XXXX, i was told it had been processed and sent. The recipient never received it. On XX/XX/XXXX, XXXX was returned to the account with no explanation. I contacted the bank, i went to the branch, no one seems to be able to assist me. Apparently, TD sent only the equivalent of {$1800.00} the receiving bank in XXXX rejected the transfer because it was incorrectly noted as {$2000.00}. I have attached these receipts. The agent who helped me on XX/XX/XXXX did his own exchange and incorrectly noted that the exchange rate was XXXX XXXX for {$1.00}, when it should have been {$88.00}. TD deducted XXXX from my account and they need to make me whole for the remaining portion that they deducted and did not send and therefore could not be returned.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: we asked to get our paynent differed because of covid 19. unfortunately they were reporting to the baeuru as a late 30 day. I tried so many time to dispute it but always closed doors.
Company Response:
State: CA
Zip: 92595
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Account XXXX You are still reporting this XXXX XXXX. You have mentioned on the current XXXX XXXX with XXXX that the date of last payment was made XX/XX/2014, therefore, not one other payment was made according to this report. Furthermore, the date of first delinquency would be 30 days later or XX/XX/2014. If this is the case, this account is now 7 years past the date of first delinquency as therefore by law it must be deleted immediately. If I am seeing something different from you, please provide the date of first delinquency and why you have come up with this date. In addition, you are also reporting the date of last activity being 14 months after the last payment was made! I am not sure you know what is reporting at this time, I also debate you have accurate records, otherwise this account would be deleted.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A