Date Received: 2021-01-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I tried to open an online account with TD specifically because it could be done online. There are no TD branches in my town. During the process, the website errored out. I called the 800 number to try to finish it online and was told 1 ) I did not complete the process and sign for the account so it would close if not funded, and 2 ) I was also told it wasn't possible to correct over the phone and that I had to go to a branch. I told them then that wasn't possible given transportation difficulties and the pandemic. Again, the phone representative said the accounts would just close if not funded. A month later, I get a statement. I called AGAIN, and was told the same thing by TD, who tried to refer me to a branch in a neighboring town. Again, the reiterated that travel was not possible and was told by the TD representative that if the account was not funded, it would be closed by TD. A month later, I received another statement, this time showing a fee of {$25.00}. I called again, ... same thing. I was told only the local branch could close the account. I called that branch on XX/XX/XXXX spoke with the manager, XXXX, who told me it would be closed and she would confirm that for me once done. XXXX just called ( XX/XX/2021 ) telling me i had to make the trip to the branch. I reiterated for her that she was asking me to close an account that I NEVER SIGNED FOR AND SHOULD NOT HAVE BEEN OPENED and reminding her of the pandemic risk. TD opened an account without my signature, NOW is claiming I have to take unnecessary risks, time, expense and travel to correct their mistake. They are refusing to correct this via mail, internet or any other reasonable manner, even though I am going out of my way to work with them to find a suitable solution that does not involve health risks or a time/cost burden of travel.
Company Response:
State: NY
Zip: 107XX
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 an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This is a complaint on top of an existing complaint XXXX. I still don't see the fund coming to my chase account. When did TDBank request the return of fund? I tried to call the number given in the response of complaint XXXX multiple times during XXXX XXXX EST, no one picked up my call. I don't want to waste more of my time to make so many following up calls without any value. I requested a daily update on the fund return status to be sent to my email : XXXX or through text to my mobile : XXXX I've been following up on my fund with TD Bank since XXXX 2020, I don't see TD bank take this case seriously. This is a servious process problem with TDBank, there is no execuse to keep customer 's fund for many months!
Company Response:
State: NJ
Zip: XXXXX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a TD Bank Convenience Checking account in XX/XX/XXXX. The purpose of the account was to track expenses related to an insurance claim. I initially deposited {$100.00} into the account and subsequently added {$1500.00} to ensure I met the threshold for keeping the account free of fees. TD Bank closed the account without notifying me. I only discovered it was closed when I called to ask about a debit card for my husband who I added to the account. The service rep on the phone explained that the account had been closed but could not tell me why. He then directed me to go to the branch to discuss the account and retrieve my funds. I went to the TD Bank branch located in XXXX CT on XX/XX/XXXX to retrieve the funds. I was told that they could not give me my {$1600.00}. They told me quote " call this number to see if they will give you your money back ''. They gave me a number XXXX which I attempted to call several times, however the message at the number only directs you to leave your number and information and they will get back to you. I also tried calling the TD Bank customer service number as well as the number for fraud listed on their website. I was told that the account had a {$0.00} balance.
Company Response:
State: CT
Zip: 06880
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Please someone help me! Approximately 6 months ago I was advised to apply for an SBA loan which my family friend did on my behalf. I did not fully appreciate what it meant and should have never received the money. Ever since then I have called TD Bank dozens of times to give the money back and restore my account. For the last 6 months Ive called dozens of times to the SBA and TD Bank and no one can solve this for me or provide a competent answer. Months ago they said they were going to give the money back so I can live on with my life. TD Bank froze my account and somehow has flagged me and now I cant open an account anywhere else. Ive applied to open accounts at other Banks like XXXX and have been denied. I just want to give the money back and be able to live my life. I am XXXX, single mother, and a XXXX and I am just trying to make ends meet. TD Bank is taking advantage of me in the fact that Im a minority and they are being unfair and very deceptive this should have been solved months ago. And now with the second stimulus, my friends have received it and I have no idea how or if I am able to get it and I need the money to put food on the table for my kids. I just dont know what else to do other than go to the Media or the news.
Company Response:
State: NJ
Zip: 07621
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Friday XXXX, I got a phone call from XXXX ( when XXXX, first result is XXXX Verification Service Contact Information ) The first person I spoke with claimed to be the paralegal, and he filled me in on the details of an investigation against me and then transferred me to his manager overseeing the case who claimed his name was XXXX XXXX with the Badget Number of XXXX. The story I was told is that there was a FBI/CIA investigation into various drug trafficking in Texas and Arizona where the suspects were using my social security number to set up various bank accounts with multiple credit cards all over the world. They suspected that the criminals had stolen my social security number and were using it for these criminal purposes, however, the SSN Department needed me to verify the funds from my bank account with the US Treasury Department to validate that the funds were mine. The way they were going to verify the funds was through the purchase of various gift cards. If I did not cooperate with them, they said that it would be unlikely that I could prove my innocence and that the charges would be filed against me for the crimes outlined above. I was on the phone with XXXX XXXX for over 4 hours. First, I was told to go to my bank and secure my checking account. I drove to the bank with XXXX on the phone the entire time. When I arrived, he told me to withdraw most of the funds from my checking account ( as long as the total was less than {$100.00} dollars ). He told me what to tell the bank staff if they asked any questions about this unusual transaction. He then told me to put the phone on speaker, put it in my pocket, and go into the bank. I then asked the bank officer at my TD Bank to withdraw {$9800.00}. They asked me a bunch of questions, and I felt forced to cooperate with XXXX and answer their questions the way XXXX told me to, since I knew he was listening to the conversion. I felt forced to go through with the transaction, even though I did not want to do so. I live alone, and I did not mention this criminal trouble to anyone until after I followed through with all that XXXX was telling me to do. I then went to XXXX XXXX with XXXX on the phone. When I got there, he told me to purchase 4 gift cards for {$500.00} each. I had additional phone conversation on XXXX XXXX, and was forced to buy additional gift cards. XXXX started texting me as well as calling XXXX texting number : XXXX ). At one point, I was then transferred to a XXXX XXXX with badge number : XXXX who said that they had issued me a new social security number but it was on hold and that they needed to verify my credit card before they could issue me the number. Eventually, I was forced to buy additional gift cards as follows. - XXXX : 10 Cards, {$250.00} each - XXXX : 4 Cards, 3 with {$1500.00} each and 1 with {$800.00} ( to finish filing the {$9800.00} ) - XXXX XXXX : 4 cards, {$500.00} each - XXXX : 1 card, {$1500.00} - At XXXX XXXX XXXX : 4 XXXX gift cards for {$500.00} each ( initially 6 cards for {$3000.00} but the store manager reduced the limit to {$2000.00} ) - At XXXX : 4 XXXX gift cards for {$500.00} each - XXXX : 3 Cards, {$1500.00} On Thursday XXXX, I called my parents in Massachusetts. They told me I had likely been the victim of a scam and to report these incidents to the police, my bank and my credit card company, which I then did. The bank has not provided any relief or recovery.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft. I have disputed and provided the company with identity theft report, police report, and other items.
Company Response:
State: WI
Zip: 53704
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX, I was incarcerated from XX/XX/XXXX, through XX/XX/XXXX. During this time XXXX XXXX was assigned as my POA. My credit cards were stolen from her possession. The Cards were reported stolen, and reissued, but time and again the card was intercepted and taken. In order to preserve my credit, my POA paid minimum payments until my release from prison. I found out that multiple cards were opened in my name. Police reports were made. The person that stole my identity and credit has been arrested, charged, and waiting sentencing. She has been indicted. There are approx 30 felony charges against the person. My POA sent copy of police report, copy of proof of the person charged and arrested. Yet TD Bank REFUSES to acknowledge the theft, and REFUSES to remove the fraud charges and refund all money paid to them. The are destroying my credit. All other Banks have finally refunded and removed are charges. I am asking the Banking department to assist in getting TD Bank to acknowledge the theft and remove all charges, restore my credit and refund money that was paid to keep the account current until I was free to fight this action myself. The Prosecutors office has already made clear that this card is part of the criminal action against the person responsible. Please feel free to contact me. The Prosecutor file number : XXXX in XXXX XXXX Victim Witness Advocate is XXXX XXXX XXXX. Because XXXX XXXX is my POA the Prosecutor acknowledged the theft and therefore prosecuted. Complaint Actions Requesting to have TD Card Services REMOVE all Charges, RESTORE my credit, and REFUND all payments made on fraudulent charges. All other card accounts from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, etc. have refunded
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: i have account with TD bank XXXX -my name ; XXXX XXXX i went XXXX XXXX XXXXXXXX XXXX-i marked deposit by check {$4000.00} in last XX/XX/2020 XXXX the check not come in my accounting - i asked them they told me there was problem by deposit in wrong number -they did that ) and they cancel the check and return it back for to the bank whose issue the check. i went many times and talked to XXXX XXXX XXXX who issued it to me they sent formally letter say the check is cashed they sent copy from my check with the stamp from TD bank, my problem with TD bank, please look at attachment
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account on XXXX that had a {$300.00} promotion if I sent direct deposits totaling at least {$2500.00} in 60 days. TD bank shows the deposits received via direct deposit on XX/XX/XXXX and XX/XX/XXXX totaling over XXXX. Per secure message, they are refusing to honor the promotion because I was a customer who received a bonus on XX/XX/XXXX. However, their terms state you can not have received a checking bonus in the previous 12 months. Per their own confirmation, it was significantly more than 12 months since I had a checking account. However, they are not providing the bonus still and will not send their copy of the terms and conditions I signed up under.
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 someone open an account on my behalf with my social security number in South Carolina with TD Bank
Company Response:
State: CA
Zip: 94040
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A