Date Received: 2021-03-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, On XX/XX/2020, My TD Bank accounts were hacked and drained. It started with a call from the TD Bank fraud alert number calling me. I verified the number and was ( what I thought ) assisted by a fraud employee. After following what the fraud employee told me to do, ALL MY MONEY WAS STOLEN!!!! To make it even worse, I went to my local branch in tears. They filed a complaint for me, I went to the police dept. and filed a complaint as directed. Pictures of my phone were taken and verified it WAS TD Banks number. The bank found ME at fault. I refiled the complaint per my XXXX, Ma Branches direction. I again was found at fault. TD Banks response was that I agreed to the hackers requests. I stated that IT WAS TD BANK THAT I WAS ON THE PHONE WITH. Td BANKS RESPONSE : But it was a phishing call!!!! Sorry there is nothing we can do. HOW WAS I SUPPOSE TO KNOW THAT???? I have been with the bank since they opened. Nothing they can do to help me???? I am floored and very disappointed with the response and assistance I have received. I am a XXXX and I work 2 jobs and place everything I work for in the hands of TD Bank for what??? 2 WEEKS BEFORE XXXX, I LOST EVERYTHING I WORK FOR. They again told me today per the Leadership team, that I agreed to the withdrawals. I again explained that the calls were from TD Bank. XXXX ( Bank rep ) stated that TD Bank would not have called me like that. I do not know where else to turn. Please help. Thank you for your consideration in this matter. XXXX XXXX
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I want to file a fraud transaction report that happens to me, I have become a fraud victim on our transaction with XXXX XXXX, XXXX, XXXX, Florida. - I pre-ordered five XXXX Bikes with total of {$15000.00} in XXXX XXXX. I did a wire transfer to XXXX XXXX Account two times, {$9000.00} in XXXX and {$6000.00} in XX/XX/XXXX. XXXX XXXX promised to deliver these five XXXX in XXXX XXXX. However, until today ( XXXX of XX/XX/XXXX ), they have not delivered any of these bikes, or sent any refund to us. - I have tried to discuss with them since mid-XXXX XXXX, regarding our order and possibility of refund. However, they always make an excuse to us in regards the delivery, pick-up in store & refund, also I have a difficulty to contact them. - I have contacted our Bank, to help me to get the refund. However, they could not help me to reverse the wire transfer that has been made. I made XXXXhree wire transfer with two different Bank. My first bank transfer was with TD Bank, and my second & third transfer was with XXXX. - Furthermore, I checked some review in XXXX, XXXX, XXXX, and XXXX about XXXX XXXX, I found there are some people that has a same issue likes me. Based on this information and our above-mentioned situation, I believe that XXXX XXXX has done a fraud transaction to us. - I have all the evidence to support my case, such as my wire-transfer, invoice and written communication with XXXX XXXX. I hope CFBP Team could help us to solve this issue, and prevent this issue happens again to our community. Thank you so much for your attention and further support. - Warmest Regards, XXXX XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an new account at TD Bank about a month ago. I deposited my paper check which was issued because I changed TD Bank to be my direct deposit bank through my job because of convenience ( well I thought ). Well that check was deposited Saturday, XX/XX/XXXX. I called and spoke with a gentleman with TD bank and asked when I would have access to my funds if I deposited my check and I even addressed to him that I just opened this account and he not once mentioned anything about a 10 day hold. So I deposited it and in thinking my check would be good in at most 2-3 days since it was a weekend. Up to this date my funds are still on hold and just like anyone else I have a family that I am responsible for cant buy groceries, pay my bills or even get gas for my transportation. So with all this and the fees accrued {$70.00} from the bank for not releasing my funds because I was under assumption it would be so I used my card to immediately get XXXX dollars ( because the same gentleman that I spoke with via phone call about depositing my check said I would have access to the XXXX dollars ) after deposit and fueled my vehicle. I think this is a very unprofessional and misleading bank they never spoke of this once while I was on the phone opening my account or the day that I deposited my check. The teller at the banks are not friendly at all, they treated me like my business was second class. I just want access to my funds. My personal bills have accumulated fees because of this. Due to the situation we are currently under no person should be put through something like this. The first time I went into one of the banks the teller told me she would call me and never did, that was Monday, XX/XX/XXXX. And that teller even verified that day with my companys bank that the check was legitimate. Then this morning XX/XX/XXXX I went to the same bank thinking they would have a record of the check clearing and she gave me the same song and dance I will call you after I verify the check with the bank! I mean this is ridiculous, how is a person supposed to feel after this. My family, my living and even no consideration of my situation of even caring about it. This bank needs to be more transparent about fees, holds, and everything. I would like the monies that has already been deducted from my supposedly held funds that they are taking and they sure didnt have any problem deducting those monies from my deposit. I wish I had NOT opened an account with this bank, seems like they are in business to take peoples money and I dont want them to do what theyve done to me happen to anybody else!
Company Response:
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Acquired a car loan in XX/XX/XXXX. Due to covid and loss of wages, i was unable to keep up with car payments. Was approved for covid relief until XX/XX/XXXX. After that date I never again received a payment statement in the mail. I called many times to request a payment invoice and never received one. On XX/XX/XXXX I contacted TDAuto Finance to again request in writing, the amount owed in missed payments. The customer service rep I spoke with said he would mail out statement containing information on what I owed for missed payments. I informed the customer service rep that I was ready to catch up on payments and just needed total amount in a statement. I never received that statement. On XX/XX/XXXX my car was repossessed, with the cremated remains of a loved one inside, while I was running errands. I came out of a store and found my car gone. Leaving me stranded. I had to taxi home for {$37.00}. I contacted TD Auto Finance and they said I had to pay off entire balance to get car back. I had not received any written notice or phone call stating my car was in repossession status. According to Florida law 537.012 section 2 which states before the lender engages a repossession agent, they must afford the debtor an opportunity to obtain their personal property. I was never afforded that opportunity. After contacting TD Auto Finance on XX/XX/XXXX and informing them I vwas ready to catch up on missed payments, I dont understand why at that point they would repossess my car as i was making an effort to pay entire balance of missed payments. I am a senior citizen now stuck at my home with only a taxi for transportation, which is very expensive for me due to location of my home
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had the issue resolved and XXXX XXXX from TD Auto Finance investigated and removed the negative marks on my credit and I have letter confirming and it was removed. Now I see this month it is back negative on my credit reports.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2021 for 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2021 I filed a fraud claim with TD Bank. I had a very horrible experience with a scammer. They texted me a text with TD Bank Insignia telling me fraud may have occurred on my account to answer yes or no whether three recent charges ti my account were mine. I answered No and a man called me telling me he was from TD Bank and that money had been stolen from my account. The man immediately called me back. He told me it was urgent we act quickly to stop the fraud and needed my username to verify my account. He told me as we were speaking that the scammers were stealing my money. He told me he would send me a a text with a code and I should give him the code to verify my account. I did and he told me that he was going to reimburse my money immediately. He stated that the only way he could reimburse me was to refund the money in the same manner it was stolen in {$200.00} amounts. He sent me one code at a time and said {$2400.00} had been stolen and he would need to make 12 transactions. I gave him the codes as requested when texted to me. I became suspicious after 4 transactions and asked for his name and that I would call him back. I tried signing into my account to contact TD Bank and was locked out. I called Td Bank fraud and they said said it was definitely fraud and locked my account they stated they transferred money from my business account to my checking account and set up XXXX stealing my money. I went to my local branch in 15 minutes and set up new accounts. XXXX the branch manager and I filed the claim. It was denied stating I provided my code, which is unfair, I was tricked and pressured and deceived into giving the codes. I appealed and was told to file a police report which I did losing 2 hours of work. Then today I called and was told my claim was denied again due to my giving the code to the scammer. This is outrageous I am a small business owner. I was scammed and tricked into giving the codes believing I was talking to TD Bank. I am now losing {$2400.00} given TD Banks refusal to reimburse me.
Company Response:
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: TD Auto Finance lost the Title to my car after I completed paying the loan. TD Auto Finance has been awful at communicating or providing appropriate paper work for me to obtain a duplicate Title. I have spoken with the people who answer the 800 number at least six times over the last 3 months. They often can not provide information on the status of my Title or paperwork to replace it because that information is with the Title Department and they can only pass my questions or requests along. All the while my vehicle depreciates and I can not sell it. This has been a frustrating experience. I made all of my loan payments on time to completion last XXXX. TD Auto Finance has been and continues to be awful to deal with. I have yet to receive the appropriate Lien Release Letter that would enable me to go to my local DMV to replace the Title they lost. I am sure I will have more frustrating phone calls until this is resolved or I will have to hire a lawyer.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I am sending this complaint against Td bank ref no : XXXX, b ) complaint against XXXX bank ref no : XXXX c ) complaint against XXXX XXXX Ref no XXXX 1 ) I want to submit my complaints against TD bank for money short balance over 20K in a year period, shown on checking and saving. TD was not willing to discuss details or produce 18 month statement, but sent only 3 month of statement which still has shown a short balance of {$800.00} please forward this file to legal aid department who may represent me since I could not pay lawyers and request the government to provide me one lawyer 2 ) I kindly request this office to forward to legal aid office since all companies did not give solution to money short from XXXX XXXX XXXX for about $ XXXX having all information but rather buying time in putting off to refund my money frauded from my XXXX account, not willing to send bank statement or not willing why my credit card was posted as a defaults for three time after full settlement 3 ) I have submitted my complaint against XXXX XXXXXXXX XXXX which shows a short balance of {$8500.00}, Now {$7500.00} but I have paid {$24000.00} out of XXXX a remaining balance should have been {$1400.00}, which this is even accrued by cyber security fraud in conjunction with TD online bank. I adjusted online automatic payment of {$440.00} /month with system option payment to continue until I stop. But, system was unfairly hacked and unchecked this option and created short balance piled by choice of bad guys, interested to take advantage of me repeatedly with my other a/c - with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, frauded me twice in dropping my full coverage insurance against federal Insurance policy so please forward this issue to Legal Aid to represent me, since I do not have the money, ( many minorities have been taken advantage by those banks listed, which a professional research could proof right those wrong doings ). so that justice will be served please refer all file Nos and following email I sent to TD bank and may provide all doc if a lawyer is assigned. thanks XXXX XXXX : XXXX XXXX XXXX XXXX, va XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to XXXX Hello TD bank, Per your request and response Via consumer finance protection Office, I have called several times To discuss why short Balance Over 15k to 20 k was notice. Still I request TD bank to refund Me my money which shows Short Balance. 2 ) produce a Statement of For the Last 2 years and Mail Copies to VA address 3 ) respond to all issues I have Wrote via consumer finance Protection Office and Office. Of Comptroller commission 4 ) send me online password Reset via email on file. To mention one Major problem About online System is : I set up automatic car loan Payment via your system for The payment an option to To be automatic until I stop. But my online TD bank Account was hacked and Unchecked this payment So that the XXXX Auto Payment interest was Mathematically Engineered To take advantage of me. So TD bank is liable For this and other possible Frauded checking and saving I have with TD bank. Kindly request this bank To share this Info with Consumer finance protection Office, Inspector general Office so that fair justice Be served per US government Banking LAW Thanks XXXX XXXX CC consumer finance protection Office
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I purchased a XXXX treadmill on a promotional 12-months 0 interest through TD Bank. I paid the card on time and within the12 months. In addition of TD Bank posting the account as paid in full, they reported me as DECEASED. I wouldn't have known this except I was trying to get a mortgage and my bank told me that Experian and Equifax showed me DECEASED based on TD Bank 's report. I called TD Bank and they told me that they even had a death certificate on file for me! I called multiple times for them to remedy this. I called XXXX and XXXX also but I could not prove to them, to their satisfaction, despite answering all their questions to my identity, that I am in fact ALIVE! I was unable to get the mortgage due to these errors on my credit report and the inability or unwillingness of these companies to correct their errors.
Company Response:
State: TX
Zip: 76801
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A