Date Received: 2021-02-16
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: We are trying to refinance with XXXX. We have been waiting to reserve a subordination release from TD bank for 6 weeks now. XXXX is not able to get TD bank to send the release letter to them so we can close this refinance. The only part is from TD. You can not talk with the subordination department at all. They will not return a phone call back to XXXX or an email to them or ourselves. All we are trying to do is refinance, we have a credit line with TD using our home as collateral for {$13000.00}. We are refinancing with XXXX for {$270000.00}. Please give us some sort of advance. We started this refinancing with XXXX, last XXXX. At this point I don't want to stop and start again. I just want TD Bank to send the subordination letter. Thank you, XXXX & XXXX XXXX
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TD BANK A/C XXXX XXXX COMPLAINT ABOUT TD BANK ACCOUNT 1 ) I HAD RECOLLECTION OF FINDING A SHORT OF ABOUT {$2700.00} ON XX/XX/XXXX XXXX ) I HAD A RECOLLECTION OF ONE TIME HAVING ABOUT {$1500.00} IN XX/XX/XXXX I AM TOLD I HAVE ONLY {$300.00} SO I HAD TO TRANSFER SOME MONEY TO TO CHECKING 3 ) I HAD A CASHERS CHECK RETURN TO MY ACCOUNT AMOUNTING TO {$15000.00} SO WHEN I CHECKED THE BALANCE I HAVE TOTAL BALANCE SAVING AND CHECKING I FOUND OUT SHORT ABOUT {$4000.00} XX/XX/XXXX 4 ) SOME DAY BACK I WAS PUZZLED TOP SEE A SHORT OF {$900.00} 5 ) THE BANK IS NOT WILLING TO SEND ME A ONE YEAR BANK STATEMENT, TO YOUR SURPRISE I GOT A STATEMENT FOR THREE MONTH AND FOUND OUT THERE WAS A SHORTAGE OF ABOUT {$500.00} VERY RECENTLY, AROUND XXXX XX/XX/XXXX TO XX/XX/XXXX XXXX THIS PROVES THE BOOK HAS BEEN COMPROMISED FOR A WHILE AND SOME OF IMPORTANT INFO i HAVE SAVED ON MY DRIVE WAS HACKED AND HAS BEEN COMPROMISED. PLEASE CAREFULLY REVIEW MY ACCOUNTS WITH TD BANK, WHICH SHOWS OVER {$11000.00} AND XXXX XXXX SHOWS SHORT OF {$23000.00} IF CAREFULLY RESEARCHED VIA BANK EXPERT STAFF AND TOOLS I BELIEVE THE BALANCE I STOLEN IS WAY MORE THAN STATED HERE SO I KINDLY REQUEST THE COMMISSION TO GET THE BANK TO REFUND BACK MY BALANCE AS SOON AS POSSIBLE AND ALSO REFER TO CIVIL SUIT LAW FIRMS AND LEGAL AID WHO MAY CHALLENGE THOSE BANKS TO REFUND ME THE MONEY FRAUD FROM MY CHECKING AND SAVING ACCOUNT. THANKS XXXX XXXX
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020. I randomly received a text from a claimed caller ID TD Bank said Fraud Alert about a transaction for {$500.00}, I denied acceptance. Then I immediately received a call from TD bank # that someone was trying to take money & they would stop on their end. They sent me a XXXX request & told me to hit yes. It concerned me, but I did because it was the " BANK '' They did this for 2 transaction {$600.00} & {$400.00}. I called Bank, then I Filed a police report once I checked my account after the weekend and realized they didn't stop, but took money. The bank gave me a provisional credit, then took money back in XXXX because I hit Yes for XXXX. This was a Phishing Scam. I did because I thought I was speaking with Bank & Trusted. I feel so violated and this has never happened to me before. I am not liable for this money.
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with 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: My credit score appears to have a hard inquiry on a line attempt with Target. I have never attempted to achieve credit with this company and would like to have this inquiry removed.
Company Response:
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TD Visa Credit Card was MISSING -- so i did not make any of the charges currently on the card. I have already reported the card missing many months ago, and so these UNauthorized charges should NOT be on my account still! Moreover, I was told upon reporting this that " Visa 's Zero Liability Policy guarantees that customers would not be held responsible for unauthorized charges made with the account ''. So the fact that this still has not yet been fixed is a breach on policy.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: TD Bank Fraud Compliant XXXX XX/XX/2021. On the afternoon of XX/XX/2021, approximately around the hour between XXXX XXXX and XXXX XXXX, I received a call my bank T Bank N.A the Representative on phone indicated that an attempt of {$450.00} was made at a XXXX XXXX in XXXX, Florida. In told the official that was it not me and I am at my job at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was totally assured that I was speaking to representative from the TD Bank because of my caller ID on my mobile unit which identified in coming calls and out going calls. This is what was displayed on phone screen as a incoming call TD Bank ATM XXXX XXXX XXXX XXXX, The representative from the bank told me do not be alarmed that the transaction did go through and deemed suspicious, and my account was shut down, the representative from the bank then said to me that he need to investigate what happen and that he will assist me with setting fraud alert on my account and he will be sending me a text indicating that an attempt for {$100.00} and I should replying y for Y for yes however this is just a test, and my card would not be debited, I did reply with a Y for yes. At that time the call disconnected and the same representative of the bank called me again and indicated to me that again will send another text and I should reply N for no on this text message, however that text message never came, the representative told me on several occasion that he sent the text messages of which never made it to my phone, he again assured me that every thing would be sorted out and he will be sending me a new card in the a in a few days in the mail. Again the call was lost and the representative from the TD Bank called me again and said to me that every thing will be taken care off, and that was the last I heard from him, as matter of fact there were three ( 3 ) call from TD Bank ATM to me that evening, the first call was at XXXX XXXX and lasted for 21 minutes 58 seconds, second call was at XXXX XXXX and lasted for 24 minutes and25 seconds, third call was at XXXX and XXXX minutes and XXXX seconds. The following morning XX/XX/2021 I logged onto my online banking and discovered that there was Twenty Two ( 22 ) transaction on my debit card the day before with a total amount of XXXX XXXX XXXX XXXX XXXX XXXX Dollars and XXXX XXXX cents ( {$1900.00} ) I immediately call the bank at XXXX XXXX on XX/XX/XXXX to inform that that those transaction were not done by me and that I want my account shut down, the representative asked if I wanted to make a claim, I indicated yes to her, she made the claim in above mentioned sum of monies, she made the claim and provided me a Reference number, I continued to monitor my account my account and realized that my account was not closed, and my card was still being used, I called the TD Bank a total of six time that day XX/XX/XXXX, my account shut on my on my sixth call at XXXX XXXX that evening, by the time my account was shut down, there were another Sixteen transaction on my account with a total of XXXX XXXX XXXX XXXX and XXXX XXXX Dollars and XXXX XXXX cent, with a grand total of XXXX XXXX XXXX and XXXX XXXX dollar and XXXX cents. I since then I have filed a Police report of which I have forwarded to TD Bank coupled with my time sheet stating while these transaction were happening I was at my Job in XXXX NY. With all the transaction happening In Florida. And mostly at XXXX XXXX. I have made three claims so far and T D Bank has denied all my claims, stating that there were evidence of fraudulent activities. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: This is concerning excessive fees by TD bank. Since XX/XX/XXXX TD Bank charged me XXXX dollars in overdraft fees alone! I complained to them due to the following facts. They charged me XXXX dollars on XX/XX/XXXX for three withdrawals that I was forced to do in three separate transactions .... They also charged me on XX/XX/XXXX XXXX dollars for a check, a credit payment and a withdrawal. All of which occurred after I already had a positive balance. They claim that it already came through in the system but it just didn't show ... .. Thy also charged me other charges such on XX/XX/XXXX XXXX dollars and other individual charges for a total XXXX dollars just in overdraft fees. These charges are excessive!
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I opened a Beyond Checking TD account and savings account online on XX/XX/2021. As soon as I opened it it gave me the option to fund my bank accounts via direct deposit from my current bank. I direct deposited {$2000.00} into my TD checking account and {$20000.00} into my TD savings account from my current bank, XXXX. It left my XXXX account on XX/XX/2021. I received the funds in my TD account on XX/XX/2021 and was able to see it in my TD mobile banking app. On the same day XXXX received it, that night I received an email that my TD account is locked and to visit a branch. I visited a TD branch on XX/XX/2021 and they unlocked my account. My {$2000.00} deposit was in my TD checking account, but my {$20000.00} was gone from my TD savings account. They told me that I would see it back in my account later that day. It never came back. The next day on XX/XX/2021, I returned to the TD branch and they told me that TD reversed the {$20000.00} deposit and it should be back in my XXXX in 3 business days. I waited 5 business days and I still never received the {$20000.00} back in my XXXX account. I went back to TD bank on XX/XX/2021. TD said they didnt have the funds because it was sent back. They had me call XXXX and XXXX said they hadnt received any funds from TD. Then TD said they would have to call XXXX, which they explained to me as the middle man between the two banks. I came back later that day to the same TD branch and was told that someone at XXXX was assigned to find my {$20000.00} and a claim had been made. I was told I would hear back from them the following Monday. I never heard from anyone. I went back to the TD branch on XX/XX/2021 and they had me file a claim with XXXX bank. It is now XX/XX/2021 and I havent heard from either bank about where my {$20000.00} is.
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: MY SON XXXX YEARS OLD AND IS XXXX AND HE HAS BEEN SAVING HIS GIFT CARDS TO PURCHASE A NEW VIDEO GAME SYSTEM.. THE GIFT CARDS IN TOTAL COME TO {$320.00} THEY WERE ALL FROM T.D. BANK MY SON WAS VERY VERY UPSET AND FEELS LIKE HE NEVER GOT GIFTS ON HIS BIRTHDAY, XXXX ETC. I CALLED T.D. BANK TO SEE HOW MUCH HE HAS AS A BALANCE ON THE CARDS AND WAS TOLD THEY HAVE BEEN CLOSED DO TO INACTIVITY ... HE FEELS HORRIBLE THAT THE BANK NEVER TOLD OR DID HE LOOK AT THE PRINTING SO SMALL YOU NEED A MICROSCOPE TO READ THEY CHARGE A " MAINTENANCE '' FEE STARTING AFTER 12 MONTHS OF ACTIVITY ( {$2.00} ) ... THEY SAID THAT IS THEIR POLICY ... I AM TRYING TO FATHOM THE THOUGHT OF A FINANCIAL INSTITUTION CHARGING A MONTHLY FEE FOR " MAINTENANCE '' WHEN ALL THE CARDS WERE PAID FOR IN CASH.. I HAVE BEEN OUT OF WORK SINCE XX/XX/2020 FROM COVID-19 AND I DON'T HAVE THE MONEY TO PAY FOR HIS VIDEO GAMING SYSTEM
Company Response:
State: NY
Zip: 11714
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I opened a new " XXXX XXXX Credit Card '' credit card with XXXX XXXX. On XX/XX/XXXX, I was notified that the XXXX XXXX card would be replaced with a TD Cash Credit Card. On XX/XX/XXXX, I received and activated the new TD Cash Credit Card. On Friday, XX/XX/XXXX I received a letter in the mail indicating my TD Cash Credit Card account has been closed due to inactivity. On Friday, XX/XX/XXXX I called TD Bank immediately at XXXX and requested my account be reopened. Two representatives informed me the account could not be reopened due to TD Bank policy. A " floor supervisor '' named XXXX explained that notices were mailed to me warning of the inactivity and upcoming account closure. I have never received any such notices. XXXX and I confirmed the mailing address on the account is correct. XXXX could not explain why I did not receive any notices about the inactivity. I was not informed of TD Bank 's policy as it relates to inactive accounts.
Company Response:
State: TX
Zip: 78729
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A