Date Received: 2021-03-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have opened new savings and checking account using online promotional offer run by TD bank. Here : https : XXXX I had satisfied all requirements to qualify and also ask for email confirmation from TD bank by emails. Now TD bank saying I open through mailer they sent on my address but I didnt used that mailer I used above link to open account. Please call me for more information XXXX XXXX
Company Response:
State: VA
Zip: 20191
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD Auto FinancXXXX is still showing as a closed/charged off account on my credit report. I have already taken the necessary steps to dispute the charged off account which TD Auto Finance agreed to settle my account for a pay to delete off of my credit report which TD Auto and their XXXX XXXX XXXX XXXX XXXX XXXX fixed as of XX/XX/XXXX. I accessed my credit report on XX/XX/XXXX, and noticed that TD Auto Finance is still reporting as a charged off account when I have the necessary paperwork stating it would have been removed off of my credit report now.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I placed an order for an item on XXXX website on XX/XX/2021. I spoke into a person via chat on XXXX website the persons name is XXXX. He explained that the order was already processed and there was nothing he could do on his end. He explained that I needed to contact the bank and to to do a dispute form that there was an error on their side of the end. And I am sending you guys documentation. TD bank says there is no error. That I needed to contact the merchant which I already did twice. And I sent them TD Bank the dispute department documentation I am sending you more documentation which you should have. I would like to get my money back which was {$75.00} that I tried to place an order and I didnt get the item.
Company Response:
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
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 an a customer of TD Bank. On XX/XX/2021 XXXX I received a text message alert regarding potential fraufulent activity on my TD Bank Cash Credit Card . An order was placed on TARGET.COM. I replied within 1 minute ( XXXX ) that I didn't place the order and it was in fact fraudulent. I followed up with a phone call within a few seconds ( XXXX ) and was reassured that everything was OK, my Credit Card was closed and I was issued a new one. However, TD Bank did nothing to stop the transaction or cancel the order. Within the next few hours I received an email from Target thanking me for opening an account with them, ( which I never did ), and then, 5 hours later, thanking me for picking up the order at the Target store. Since I never shared my email with Target, never had an account with them, I suspect that TD Bank is responcible for the data breach. I opened a dispute case with TD Bank and followed up many times but my dispute was denied with the explanation that 'all the details match '. I asked to reopen the case, it was declined again and I wasn't even informed of the decision. What is the point of having a fraud detection & alert system if it fails to stop fraudulent transaction given 5 hours to do so?
Company Response:
State: NJ
Zip: 07054
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I started the process to refinance in mid XXXX. I was told I was approved in XXXX and also told that my closing would be XX/XX/XXXX. While I was attempting to communicate with the bank I was given several different " single points of contact ''. ( I am now on my third - XXXX XXXX XXXX XXXX. After my attempts at communicating with the bank and my loan XXXX XXXX XXXX XXXX XXXX ID XXXX ) went unanswered, XX/XX/XXXX came and went without a closing. Throughout this process communication has been terrible on the bank side. Several promises to provide " updates '' the following day were never given despite almost daily requests from me. Finally, I requested to escalate this to a supervisor ( XXXX XXXX XXXX XXXX XXXX ) and was told that I would be closing on XX/XX/XXXX. In the days prior I was asked for updated payoff statements which I provided immediately. We did not close on XX/XX/XXXX and on XX/XX/XXXX XXXX XXXX said that XXXX would be " ingesting this now and will be submitting this for a review to clear ''. That has not happened and my requests to expedite my closing have not been granted. XXXX XXXX doesn't even bother to respond and XXXX says that " its in underwriting, I'll check on it and get back to you tomorrow '' which he never does. I've now been asked for the forth time to provide updated payoff statement and have still not received a closing date. It is my strong belief that TDBank does not want to provide me this loan because I was able to lock in at such a low rate ( XXXX ) and they are hoping that I will just become frustrated and walk away. Do I have any recourse?
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
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: Fraudulent charges were made on my TD Bank Credit Card. TD Bank alerted me that suspicious charges were being made on my card. The charges were made in XXXX, New York on my credit card. I currently live on XXXX XXXX and have never visited XXXX. While these chargers were being made on my credit card, I was using my debit card on XXXX XXXX. On XX/XX/XXXX the customer service rep assured me that these issues would be resolved and the {$1100.00} worth of fraudulent charges would not be my responsibility. I received a letter in the mail on XX/XX/XXXX that stated that TD banks investigation determined that there was no billing error. The charges are all for establishments that do not align with my spending habits. After talking to numerous TD employees and a supervisor the issue has not been resolved and I am thinking they are going to hold me responsible for charges I did not make. As a long time TD bank customer I am extremely disappointed with how this dispute case has been handled.
Company Response:
State: NY
Zip: 11554
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I'mailed out numerous payments over the past several months. The postal service had major delivery delays because of the XXXX pandemic..took months for the creditor to receive the payments. Now its showing late missed payments on credit reports 60 days + Please fix the issue on credit reports
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This issue with TD Bank first began when I moved outside of TD Banks footprint. My account was placed on hold until I could verify my identity which was via the submission of my credentials and a signed and notarized affidavit of identity. TD Bank restored my access to my account until sometime in XXXX when I presented a check to TD Bank which end up bouncing. The fraud department suspended my access to the account until I could submit requested documentation and bring my account to a positive balance. Once I had met the conditions set by the fraud department as discussed my access to my account had been reinstated. Later I was contacted by management from TD Bank in XXXX XXXX, Florida which was known as my " home branch '' the manager requested I resubmit identity documents, she advised she would be able to take the proper action once I had provided the requested documents. Shortly after providing the requested documents my account was placed on hold again pending closure. I Contacted TD Bank customer service who redirected me to the branch. Management said that due to a check I had submitted TD Bank chose to close my account however prior I worked with TD Bank 's fraud team to reopen the account in good standing. I selected TD Bank to receive my tax refund which was deposited into TD Bank however due to the hold on my account the funds have not been made available to me nor has TD Bank been willing to work with me to reopen the account. TD Bank stated that the account would be closed and the balance of the account disbursed to me in form of a cashier 's check however TD Bank continues to withhold these funds from me and has not closed the account nor communicated with me about the status of the account or my money. I have entered into extreme hardship do to this treatment of TD Bank.
Company Response:
State: CO
Zip: 80916
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Since the XXXX of Friday i set to close my TD bank account, as soon as I setup to close the account.The very next day I started having fees and charges I didn't have. I kept calling to close the bank but they kept hitting me with fees. How am I suppose to close a bank account when they keep giving me fees. They won't close because of the things pending.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In mid-XX/XX/XXXX the bank froze my accounts ( checking and savings ) and confiscated all my funds ( {$16000.00} XXXX and have refused to discuss their actions with me. I do not know why they took this action but in working with the Assistant Manager of my local branch it appears it has to do with a former client of mine ( I am a XXXX XXXX ) and all the wrong doing, if any, was done by that client. We can discover no wrong doing by me. The bank refuses to discuss their action with me. The Assistant Manager has sent at least 5 inquires to the " higher ups '' asking that my accounts be unfrozen, but has not recent a response. The bank 's Fraud Resolution Group has sent three messages to the office who imposed the freeze and they to have not received a response. I have made two written submissions to the bank setting out all the details of my former client 's actions. I have not received any response. In addition the XXXX Federal Stimulus monies ( {$1200.00} total for my husband and I ) were sent to our joint account at the same bank by the IRS. The bank has retained the funds and has refused to release them to us or to refund them back to the IRS. The bank gives no reason for this theft of our funds.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A