Date Received: 2021-03-22
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: My COVID-19 emergency relief check in the amount of {$1400.00} was credited to my bank account on XX/XX/2021. The XXXX sent a tax lien for {$620.00} to the bank on XX/XX/2021. On XX/XX/2021, the bank deducted {$380.00} from the COVID-19 funds to send to the XXXX XXXX XXXX. On Saturday, XX/XX/2021, I got a letter from the tax department [ Notice of Tax Lien ] indicating they had issued the lien to my bank. On the letter sent by the tax department it states the following in bold letters. " Certain funds are exempt from lie, to include COVID-19 funds. '' I contacted my bank and told them that they needed to refund the amount deducted minus the amount that was in the account before the {$1400.00} was credited. After a back and forth to XXXX, XXXX and XXXX, the bank said that this is the third disbursement of COVID funds, and there was no language in the legislation exempting these funds. My position is COVID relief funds from the federal government is just that : COVID-19 reflief funds. The tax department on its Notice of Tax Liend and Demand for Payment specifically recognized that the government was sending out COVID-19 relief funds and exempted those funds from the being deducted to satisfy the lien. So, the issue is not with the tax department ; the issue is with TD Bank, XXXX. XXXX XXXX, XXXX XXXX, New Jersey XXXX. I know that the President and the Congress said with regards to the nature, substance, and characterization of the {$1400.00} checks to Americans. If we want to be really technical, if the bank 's position is that the legislation did not exempt those funds, my position is that there also is not language to authorize application of these funds to satisfy the tax lien in the face of the Lien holder 's specific language to EXEMPT COVID-19 RELIEF FUNDS from being used pursuant to the issuance of the Notice of Lien. TD bank needs to refund my money.
Company Response:
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received checks from t d bank. I never opened an account with them. The checks had my name and address but not my number and under my social security number.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Hey I was inquiring about an issue that I have with TD Bank where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank accounts.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I previously notified TD Bank that I am a victim of identity theft, and requested that they do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation from the bank of these actions. They did not send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I enclosed a copy of my FTC Identity Theft Report to them because the information they are reporting is the result of identity theft, and inaccurate, I request that they stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I asked that they take these steps as soon as possible.
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I got served with documents threatening to take me to a court or file a judgement against me I have sent letters on XX/XX/XXXX asking for the company to verify that this is my debt and they failed to do so on XX/XX/XXXX they served me with a letter threatening to sue me however have not been able to verify if this is my debt. i never applied for this card nor do they have any type of signature just an e signature I have attached my dl and I authorize the letters I sent on XX/XX/XXXX target card need to be removed as well as the other unauthorized items listed on my report
Company Response:
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In summer of XXXX, TD Bank first contacted me and claimed that my homeowners casualty insurance with XXXX had lapsed, which it had not. I sent TD Bank on 3 separate occasions the proof that my coverage had not lapsed including a final phone and email conversation with one of their representatives and am cc from my insurance broker with independent declaration pages from XXXX and proof of coverage. It appeared that the matter was settled. TD is entitled to have insurance on the collateral they loan against, but they can't defraud their borrower who already has the requisite coverage in place just so TD bank can earn free money. Then in summer of XXXX, TD Bank apparently purchased Forced Placed insurance on our primary residence with no basis for doing so and no notice to me. Since state and local taxes have increased, I believe the increase in my monthly mortgage payments were due to local taxes. TD never sent me any confirmation of Forced Placed insurance nor confirmation of coverage as I'd be the beneficiary too, not just TD Bank. Most banks have been running this same scam and there have been large scale settlements -- except I do not see one with TD which means the regulators simply haven't gotten to TD yet. I am an ex regulator myself having worked for the SEC so I know what I'm talking about. I only discovered this in the past 2 weeks as we recently sold our home and TD sent us a check and the details of their scam. They owe me unearned premiums of {$9700.00}, plus punitive damages, plus an apology letter. They didn't even have the sense to set up any redundant policy with the correct coverage amounts so goosed the coverage WELL BEYOND their own loan limits of approx $ XXXX and bought coverage of $ XXXX so that they could earn EVEN MORE on their fraud. This is a big money maker for the banks ( or was ) and TD needs to be investigated beyond my own claim as my impression is that they are doing this to many other borrowers as well. Thanks in advance. And I'm still reserving all my additional options against the bank.
Company Response:
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My debit card was compromised on XX/XX/XXXX. There was six unauthorized transactions completed on my account for the amount of {$970.00} at XXXX for six different transactions. One for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. So far, I have only received {$510.00} on XXXX and {$120.00} on XX/XX/XXXX in refunds from the bank. I received a refund of {$110.00} on XXXX from XXXX. My issue is every time I call about the remainder of my money that is owed to me, Im getting false information or it is still pending. My card was compromised, Ive been violated and for as long as I have been a member of this bank, they should know my spending pattern and know my card was compromised and know I did not make those purchases. So where is the rest of my money? I dont understand why is it taking them so long to give the remaining funds that is do to me. The remaining of what is truly owed to me is {$220.00} since XXXX has already refunded me my money.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
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. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: OR
Zip: 97070
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
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: On XX/XX/XXXX XXXX charged my card without authorization in the amount of {$120.00}. On multiple occasions since then I disputed the charge with my credit card company - TD Card Services - TD Bank. Since they, TD Card services have since charged me interest and penalties and is damaging my credit by reporting the disputed amounts to credit bureaus - where my card agreement specifically states - disputed charges will not be subject to account default. TD Card Services requested me to mail back to them details of my dispute. Which I did via regular U.S. Mail. They received it ; however stated that they processed my reply 2 days after their cutoff date and hence will not honor my dispute. Last spoke with XXXX at TD Customer Care on XX/XX/XXXX ; XXXX.
Company Response:
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received a text from TD bank on XX/XX/2021 that they had suspicious activity on my savings account. I talked to them immediately and told them that I didnt make these withdrawals. XXXX was taken out 8 times plus 3 inquiry fees for 9.00and 8 ( XXXX ) fees for atm fees totaling {$1600.00}. I told them I thought I knew who fraudulently withdrew this money as I found out this man has a long criminal record for stealing, burglary and grand theft. I filed a fraud complaint on XXXX and also a police report the same day. 2 days later I was told it wasnt fraud. I filed another fraudulent claim to dispute this on XXXX. Once again they denied it and said it wasnt fraud they said cause they said I compromised my PIN number. I never gave this man any personal information about me. He is a convicted felon and probably somehow seen my pin. I dont know how he figured it out! So I contacted the XXXX on XXXX. They sent me a response on XXXX that Td bank still says it wasnt fraud! The XXXX county sheriffs office supeoned Td bank for the atm location so they could review the film to see who withdrew the money. On XXXX the sheriffs office contacted me to say that they would have to close the case because Td bank didnt know what atm the money was withdrawn from. XXXX said that if I couldnt get that film to show who withdrew the money on the XXXX th of XXXX, I wouldnt be reimbursed the money that was taken out of my account! I dont know what else to do. I am so very very upset and I dont think its fair that I have to go through all of this. I am the victim and I thought I did everything right to get my money back.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A