Date Received: 2021-01-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have been charged a {$15.00} service fee in a savings account for over a year. I had NO IDEA I was being charged this fee. I contacted the TD BANK at XXXX XXXX XXXX XXXX XXXX NJ XXXX and spoke with XXXX, a Manager there. I explained that I am on social security and had no idea that any savings account would have ANY service fee let alone a {$15.00} per month one. That I wished to have these fees returned to me. She was not helpful or customer friendly at all. In fact I would say she was condescending toward me. She dredged up that when I opened the account a year ago I knew what type of account I was opening, etc., arguing with me. SIDE NOTE I moved to the area a year ago and received a post card from TD saying open a savings and checking account at TD and get a bonus. I did so and when it was time for the bonus to be given I had to argue with this same manager to receive it. Todays issue She then said they would give me half of the fees back {$60.00} vs {$120.00} ). I agreed to this and asked her if now my accounts would both be straight and that I will not be charged in the future? She really did not know, then proceeds to ask my age ( XXXX ). She then informs me that when I turned XXXX ( XX/XX/2020 ) my accounts should have automatically switched to a no fee account. That did not happen. I also had to argue with this bank three weeks ago along the same lines with my checking account as they were charging me {$25.00} in fees. I feel as though I have been unfairly and deceptively steered into products with hidden fees of which I knew nothing about. I do not appreciate this managers poor customer service or the way she spoke to me. I would like all the fees returned to me. She wasnt completely unprofessional in her manner in speaking to and arguing with a customer. Here are my account numbers : checking XXXX savings XXXX XXXX XXXX. XXXX
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint XXXX Dear XXXX XXXX, Thank you for your response to my CFPB complaint. Your argument is nonsensical. Therefore, I must insist that the Bank pay the advertised bonus of {$300.00}. Otherwise, I will seek treble damages in XXXX XXXX XXXX. Sincerely, XXXX XXXX
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: For over five months I have been trying to closed my account with TDbank, I called customer service several times asking them to close my account but they advised me they can not close it over the phone and I will need to visit the bank for me to close my account. I have since visited three different branches and was told that all account was closed with a XXXX balance, I requested written verification showing the accounts are closed but they advised me they are unable to give me such a letter and instead they continued to send me harassing letters requesting maintenance fees and recorded messages.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: fraud charges due to breach - won a class action suit wont remove off credit report
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: TD Bank Americas Most Convenient Bank, has been AN INCONVENIENT BANK FOR MY FAMILY. On XX/XX/XXXX2020 I have opened a TD Beyond Checking Account for which I have received a promotion offer to earn {$300.00} when set up and receive direct deposits totaling {$2500.00} or more within 60 days of account opening. On XXXX XXXX 2020, they have decided to close my account after I have met all the offer criteria, for which the bonus was supposed to be credited to the new personal checking account no later than 140 days from account opening. They gave me a XXXX with a reference number XXXX. I have called multiple times, and left messages, but no one had returned my calls. I went to the physically branch at XXXX XXXX XXXX XXXX, XXXX XXXX, and I have been told they could not help since the account was already closed. I had {$3900.00} at the time account was closed until right now they will not give me my hard earn money. This is unacceptable, disrespectful and inconvenient. I went through the Holidays being short on my budget and adding to my credit card bill to make end meet. I am kindling requesting for TD Bank to release my money to me. Multiple complaints : Didn't receive terms that were advertised Funds not received from closed account XX/XX/XXXX20 Open account {$500.00} XX/XX/XXXX20 Direct Deposit {$1200.00} XX/XX/XXXX20 Direct Deposit {$1200.00} XX/XX/XXXX20 Direct Deposit {$300.00} XX/XX/XXXX20 Direct Deposit {$300.00} XX/XX/XXXX20 Direct Deposit {$300.00}
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: When I went to deposit my {$150.00} check and {$250.00} in cash at TD Bank ATM located at the XXXX XXXX FL XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ). I immediately called the corporate number for TD because the branch was closed. I was told to call the branch the next day when it was open so they could open the atm to sort out the issue. This was in XX/XX/2020 at around XXXX. The next day I called, and I was told to come in to get a new debit card since the machine ate it. While there, the employee ( XXXX ) told me that a 3rd party manages the ATM and that it will be automatically sorted within 1 business day and that I should not worry. Today is XX/XX/XXXX, and the issue is not yet resolved.
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/2020 COVID-19 request skip payment ; which I got that was great but I purchased truck XXXX XX/XX/2020 shouldnt have gotten TD customer service tells me after like I should feel lucky no just 1st banking mistake 2nd issue called bank seeking another skip, but wasnt necessary upon getting bill I didnt owe for that month a miracle nope a billing mistake a payment from dealership do to their mistakes now Ive been billed as though I missed a payment and no correspondence by letter of mistake or corrected through contact I am currently 2 months due which looks like 3 please correct entirely late fees credit reporting payment history entire correction any fees or interest added. All documents with amounts are attached. After dealing with your customer service and your resolution department I was left feeling on multiple occasions like youre allowed to back office bill me and that you can do whatever you want and it has negatively affected me so Im hoping that through this channel I will get the appropriate correction Ill be bringing my bill current and I can just move forward.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I was affected by the Covid-19 with my XXXX XXXX job about XX/XX/2020. I worked for XXXX XXXX and was let go in XX/XX/2020. I went back to work part time at XXXX after taking a leave of absence for mental health reasons. I did return to the XXXX XXXX for two weeks all to be sent home on FMLA for XX/XX/XXXX not functioning safely doing the job I do. When I came off of relief from TD Auto Finanace I thought I would be fine until I found out I was going to need unexpectedXX/XX/XXXX. After having XX/XX/XXXXXXXX I went in for a emergency XX/XX/XXXXthat I had complaication from a previous XXXX. Every time TD Auto would call I would say hello and the phone would hang up. So finally I spoke with someone after I returned again to XXXX part time and I told the young lady on XX/XX/2020 that I will be making a payment on XX/XX/2020 when I received my paycheck from XXXX. She never mention I was in danger of my car being picked up. She only asked if I can make a payment. Well the order was put in for my car to be picked up on XX/XX/2020 and they picked it up on the XX/XX/2020. So they tow guy rode off with my kids XXXX gifts that was donated to us because I had no money this year for XXXX. I called to find out how much I need to get the car back. They said they are not willing to neogation with me in this time of need. But they want me to pay {$2800.00}. I am a single parent of XXXX. I have no help or money. I was not allowed to file for unemployment due to still being employed with the district. So I struggled for months with no money. Please help me
Company Response:
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: CFBP HAS FAILED ME FOR THE PAST 3 MONTHS. NOTHING SETTLED WITH TD BANK. I filed 3 previous complaints for same issue. Never received my {$2500.00} for a closed acct back in XX/XX/XXXX!!. They refuse to send the check. They tell the CFBP that they are taking care of it and then the CFPB thinks all is well. I refuse to go to a branch 12 miles from here due to having XXXX and must stay at home!! Emails and phone calls are never returned. The hold time on the phone is crazy and emails state to call!!. At wits end with this bank. They first said they sent an ACH to acct I sent in the original money from to TD. XXXX XXXX never got it and said it never came in. 2 months wasted. Last month they told CFPB that they are mailing check to my address. NEVER Received. We verified address and XXXX acct numbers also .CAN THE CFPB DO SOMETHING INSTEAD OF JUST SENDING COMPLAINT TO TD BANK AND ASSUMING ITS TAKEN CARE OF?? I WANT A CHECK VIA XXXX NEXT DAY. 4 MONTHS TO WAIT FOR MY MONEY??? HERE IS A COPY OF COMPLAINT FROM LAST MONTH, 3RD COMPLAINT MADE TO CFPB ABOUT SAME ISSUE. We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT today is 25 days waiting for my XXXX and XXXX reached out to me that they never recd the transfer from TD bank for XXXX that they said they sent. CFPB already got an answer for this complaint on XX/XX/XXXX stating the bank will xfer funds from my closed TD acct to my XXXX XXXX bank account. ( initiating bank ) it would take 5-7 biz days. Today is the XXXX biz day and my money is not in my acct. They are holding my money illegally!!. can not call them ( wait times are over 1 hour, and they do not answer emails. ) They stated to you that the funds would be transferred and as of today they are not in my acct at XXXX XXXX ending in XXXX its 25 biz days! previous complaint # is XXXX Thank you but they are cheating me. I am owed XXXX!! XXXX acct # XXXX. On XX/XX/XXXX I transferred XXXX to TD acct from XXXX. On XX/XX/XXXX I transferred XXXX from XXXX to open TD acct. Now the funds are somewhere but not in my XXXX acct. Please send the $ $ NOW I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A