Date Received: 2021-02-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: i went to td bank to make an international transfer to XXXX to td bank the bank worker set it was going to be there the next day the transaction was on XX/XX/2021 for XXXX dollars and the money is not there i went to the branch on XX/XX/2021 and the manager told me international takes three to four business days today is the XX/XX/2021 i call td bank and now they are saying that its going to take 10 business days.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: TD Auto Finance was contacted, in regards to a statement claiming a passed due amount. Td informed me that there was a payment missed and I have been charged a passed du amount for close to a year the amount as of the statement dated XX/XX/XXXX {$410.00}, the total payoff amount including the late fees was {$850.00}. I paid the amount of {$430.00} to agent id # XXXX ( confirmation number XXXX XXXX the agent told me this is the amount owed minus the late fees. I asked at that time to speak with a person who can assist me in handling the late fees. I was told that it has been noted in the account and a manager was contacted, and will contacting me promptly. I have made multiple attempts to contact a manager, XX/XX/XXXX ( manager notified and will call me back ), XX/XX/XXXX agent # XXXX ( manager notified and will call back ). XXXX ( manager notified and will call back ) I called a few more times which i did not keep record of, but every time was noted in my account on TD banks side. There has never been an attempt to be contacted by TD auto finance before XX/XX/XXXX, the date of the initial debt collection letter. The payment has been on auto pay since the initial payment XX/XX/XXXX. Supposedly 1 payment was missed and no 1 have over {$400.00} in late fees. I have not been contacted regarding late fees until XX/XX/XXXX.
Company Response:
State: NY
Zip: 124XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: under civil litigation for unauthorized and fraudulent accounts
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Two fraudulent checking accounts were opened with TD Bank. I have spoken to the bank and they are closing the accounts.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I recently obtained a Raymour and Flanigan credit card through TD. I have not received a statement and am unaware if a payment is due or how to make a payment as i do not have an account number yet. I have attempted to register online to self service several times but am unable without an account number. I have tried to call customer service multiple times and am always on hold for at least 30 minutes before i give up. I waited one time over an hour and a half on hold with no answer. I have never been able to speak with a representative. Additionally i have emailed two separate addresses at TD and received very prompt responses to both giving me a phone number to call in order to receive assistance. In both cases the hold times were greater than 30 minutes and i was not ever able to reach a person. In one email interaction i asked for someone to call me back. That request was never addressed or fulfilled. At this time i am unaware of my payment amount, due date, or how to make the payment and i am concerned that my promotional financing will be impacted. While hold times can fluctuate, excessive hold times for multiple weeks with no workarounds are unacceptable.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: 1- I am a TD Bank customer and on XXXX XX/XX/2020, I wired {$73000.00} US $ to my family in XXXX per the attached TD bank receipt. I specifically, instructed TD bank to wire the funds in US Dollars ONLY. 2- The Beneficiary received {$71000.00}, 3- I contacted TD Bank and requested them to provide me with XXXX XXXX to confirm that they had indeed wired the {$73000.00} in US funds XXXX However, TD Bank refused to provide me with XXXX. 4- I filed a complaint with OCC and in their reply. TD Bank clearly lied to the OCC and claimed that they provided me the XXXX XXXX. The OCC advised me to seek legal assistance. See attached letter from the OCC. 5- XXXX XXXX is the official confirmation of payment made from the sending bank and informs the beneficiary of all the details of the transaction, including any fees applied Please see attached sample of XXXX
Company Response:
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: {$260.00} was frauduantly taken out of my TD Bank account between XX/XX/XXXX to XX/XX/XXXX. Even thought TD Bank has all my contact info, failed to do it. so when i noticed this fraud on XX/XX/XXXX i called my branch where no one answered the phone had to call HQ and hold for several over 30 minutes before being finally connected to TD fraud unit where while describing my ordeal got disconnected, the rep did not try reaching calling me back! had to call back and took another 30 minutes to reach Ms XXXX related my story and was promised will be credited the missing amount in 24hrs and will be issued a new Debit card, Now its XX/XX/XXXX i am waiting 4days!!! Also my 2 emails to refund the missing amount and cancel and reissue my Debit card has not been answered! Please Help and advise!
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Saw 4 pending unauthorized transection totaling {$79.00} dated todayXX/XX/XXXX, called my local branch to report it but no one answered the phone during their working hours! called their main XXXX XXXX XXXX and was transferred to fraud dept and narrated my story for about 25 minutes to Ms XXXX gave her all the info and then got disconnected, this rep did not even try calling me back! Called TDBank again waited to reach the fraud dept took about 27 minutes while new Rep Ms XXXX gathered all the info, refused to let me speak to the previous rep Ms XXXX, or her supervisor or manager, refused to ask their manager to call me or would not even share her supervisor 's email!! Even thought they have all my contact info on file they fail to inform me of any impending fradulant debits. Also unwilling to stop the impending fraudulant debits charges occuring while i was reporting!!!!! I am not sure what to do, can you please help. XXXX XXXX
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD XXXX XXXX was an XXXX XXXX XXXX credit card and is still showing as open on my credit report. I had requested the account closed about 6 months ago and they even mailed me a confirmation of closing. I since discarded that notice and the card believing it was closed. I called today to TD 's retail line and they say that my info doesn't show and I should call the 3 credit bureaus to get them to close the account on my credit report. I'm not sure why this is my responsibility.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Nordstrom. The Account Opened is Nordstrom Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A