Date Received: 2023-10-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XXXX and XXXX XXXX mail was stolen from the mailbox of XXXX XXXX XXXX in XXXX, MA. The mail included multiple personal checks that church members were sending in as offering donations. The total amount of checks stolen was around {$10000.00}. TD Bank accepted all of these checks for deposit at XXXX of their ATMs. These checks were deposited into an account that was not named on the checks. TD Bank made no effort to ensure that the individuals depositing the checks were the people the checks had been written to. They did not check ID or match the account to the checks. It is unbelievable to me that a bank would cash a check like this and that their internal controls are so poor. The crime by the thieves as well as the mismanagement by TD Bank was discovered in XXXX and reported to the police. The suspects have been identified. It is my understanding that there is a warrant is out for their arrest. TD Bank, however, has refused to return the money from the check that they allowed to be fraudulently cashed despite consistent attempts by my bank to contact them regarding this matter for almost a year now. Basically, TD Bank, through having no internal controls at all for check deposits at their ATMs, aided and abetted criminal fraud and refuses to compensate victims for the checks that they illegally allowed to be cashed.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a distressing incident I recently experienced with TD BANKXX/XX/XXXX, which has left me both frustrated and inconvenienced. I believe that as a consumer, it is essential for our concerns to be heard and addressed. Today, my SSI check was deposited at TD BANK with the expectation that the funds would be available in a timely manner. Unfortunately, there was a significant delay in processing my deposit, resulting in the funds not being available until approximately 12 hours later. This delay had a cascading effect on my day, as I had several important appointments that I was unable to attend due to the unavailability of the funds. What added to my frustration was the response I received from TD BANKs customer service. When I contacted them to inquire about the delay and express my concerns, I was met with unhelpful and dismissive answers. To my surprise, they suggested I contact SOCIAL SECURITY, which seemed entirely unrelated to the issue at hand. This not only left me feeling unheard but also left me without a satisfactory resolution to my problem. To compound the matter, it became apparent that the delay was a result of a computer glitch or some technical issue on their end. However, the bank failed to acknowledge responsibility for this incident. In such situations, I believe it is the bank 's responsibility to ensure that customer transactions are processed efficiently and without unnecessary delays. I am writing to request your assistance in addressing this matter with TD BANK. I believe that consumers should be treated with respect, and it is crucial that financial institutions like this take responsibility for technical issues that directly impact their customers. I kindly request your guidance and support in resolving this issue. I hope that you can assist in ensuring that TD BANK acknowledges the problem and implements measures to prevent such incidents in the future. Thank you for your time and consideration. I look forward to your response and any assistance you can provide in rectifying this situation. Sincerely, XXXX XXXX XXXX Also I would like {$70.00} refund for overdraft that was only under {$20.00}
Company Response:
State: MA
Zip: 01810
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 my Credit Score dropped XXXX, TD Bank XXXX XXXX is reporting false on a account thats on auto pay & the balance is decreasing every month
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I. Introduction : I hereby submit a formal complaint against XXXX for XXXX discrimination , retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. XXXX. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. XXXX XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. XXXX. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX XXXX XXXX refusal to do the same raises serious concerns about their practices. XXXX. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. XXXX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter becasue its CAUSING ME DAMAGES AS XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: They closed my credit card without any previous notice, So my card have XXXX points they even doesnt let me get this points they told me you should have at least XXXX points, all I need my points back because you the one who closed my account without any permission, the points never expired but you badly closed my credit.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
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 contacted TD Bank because in a trip to California in XX/XX/XXXX my daughter who is the authorize in one of my TD credit card account her credit cards were stolen and TD card had a lot of transactions that were not hers. She called TD bank and reported to TD bank, and TD bank said they were resolving it. Gave me the credit and then they put charged the card again, this is not fair to me, We did not use that card in California. We don't have need to lie about it. This is very injustice that now they are charging me for transactions, charges that WE didn't do in our trip to California. I am kindly asking for help. Please help me investigate this as I tried all I can to tell TD Bank that we didn't do it. On the last letter they said they investigate and if they really investigated, they would of find out that wasn't us. I know TD Bank did not do their job to investigate it thoroughly. WE DIDNT DO ANY OF THOSE CHARGES.
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have filed a fraud claim on my account 3 times and it keeps being denied by TD Bank 's fraud dept. My purse was stolen on XX/XX/23. I contacted TD bank that morning to let them know my card was stolen. I checked my account right before I called to see if my card had been used. My card was used in XXXX XXXX XXXX which is 3 hrs away, I was at a different location ( 3 hrs away ). The card was used back to back without a pin and put my account into a negative. I sent TD bank a police report. The claim was denied because i logged in around the same time the card was used. They should be able to tell that when I logged in I was at a completely different location and I called them right away to report the card stolen. Then it was denied for " card was not utilized after you notified us to close the card. '' That doesn't make sense. Of course card couldn't be utilized if I reported it stolen. I called TD bank for an explanation and was told that there was no further information. They have not given me any proof as to what evidence was used to come to the conclusion that an error did not occur and that these charges are mine. I have never used my card in XXXX XXXX XXXX, or a XXXXXXXX XXXX XXXX. No pin was used. Card was used back to back ( red flag ) I was 3 hrs away when charges occurred. I provided a police report. My account did not even have sufficient funds.
Company Response:
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: We hope this message finds you well- I am reaching out as a valued XXXX business customer who is currently facing an unfortunate incident involving a fraudulent check. This check was intercepted from one of our vendors and remotely deposited at a TD bank ATM. We were promptly notified by TD 's fraud department about the flagged fraudulent activity, ensuring that the funds were not dispersed. Since XXXX of this year, we have diligently attempted to retrieve the funds from TD, but regrettably, all our efforts have been in vain. Being a small business, losing an amount exceeding {$10000.00} places an overwhelming burden on our daily operations. We have invested considerable time and energy in resolving this matter, and it is disheartening to find ourselves in a situation where we are unable to access funds that rightfully belong to us. To aid in resolving this issue, we have attached all the relevant information to this email, including details about the original check, the invoice, and our comprehensive correspondence with our dedicated XXXX business manager. We earnestly request your assistance in resolving this matter promptly and returning our funds. Your intervention will be immensely appreciated and will alleviate the significant strain this situation has placed on our company. Thank you for your attention to this matter. We look forward to a swift resolution and the return of our rightfully owed funds. Best, XXXX XXXX be advised that the following information has been compiled based on our attempts to recover funds involved in a fraudulent transaction : On XX/XX/2023, XXXX XXXX XXXX XXXX issued check # XXXX payable to XXXX Finishing in the amount of {$10000.00} for invoices # XXXX and XXXX. The check was mailed to XXXX Finishing located at XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX was notified by XXXX XXXX on XX/XX/2023 that they did not receive the check. The check had been presented and paid against XXXX XXXX XXXX XXXX account # XXXX on XX/XX/2023. That is when XXXXXXXX XXXX XXXX XXXX began the process of filing a claim to recover the funds. On XX/XX/XXXX, XXXX XXXX XXXX XXXX completed a Declaration of Unauthorized Endorsement or Altered Item by having the payee complete the Affidavit stating he did not receive the check and submitted to XXXX. Following up on XX/XX/XXXX, it was discovered that XXXX XXXX left out his title underneath his signature on the original Declaration, so he resubmitted the corrected paperwork to his Relationship Manager, Banker XXXX XXXX, who forwarded the updated document to the Fraud Department. In the interim, XXXX XXXX XXXXXXXX XXXX had been in contact with TD Bank, since that is the bank where it was negotiated. They spoke originally to XXXX at XXXX in XXXX and then with XXXX who provided his employee # as XXXX. They were unable to assist. On XX/XX/2023, at XXXX, XXXX XXXX XXXX XXXX a joint call with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX of TD Banks Fraud Dept at XXXX. We were further transferred to the Global Security Division of TD Bank and assured that they would try to expedite the case and internally contact XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/XXXX, our vehicle was deemed a total loss, and my insurance company confirmed this, and reached out to TD Auto with them providing a pay-off amount. The insurance company promptly sent this amount, yet the company is claiming additional fees and interest due to a lack of notification about the total loss. However, they were indeed informed three times about the total loss, and their pay-off quote is valid for 30 days. Despite this, they are not honoring their commitment. TD Auto also stated that the would back date the fees/interest if they received a total loss statment with the date of the loss but they are not honoring that as well. This situation is highly incorrect and needs to be resolved appropriately.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off my car was and its was reported by TDauto and closed account which made my credit score decrease by XXXX points!! I paid it off in full XX/XX/23
Company Response:
State: IL
Zip: 60076
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A