Date Received: 2020-12-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: i have tried for the last two months to access my account via td bank website. The site keeps saying my credentials are wrong. When i attempt to reset the password with my debit card number, it's still not working. I called TD bank small business department and exclaimed to the agent how upset i am with not being able to access my account. I told her I have no idea when I used my card because I cant access the account. She rudely placed my on hold and never came to the line.
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX add a hard inquiries on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XX/XX/20 I bought a new car from XXXX XXXX XXXX in XXXX NC. I financed the car with TD Auto Finance, XXXX. XXXX XXXX would not except a Credit Union letter I had for purchase stating that I and the Credit Union was out of state. On XX/XX/20 I refinanced the car with my local Credit Union " XXXX XXXX XXXX ''. On XX/XX/20 the Virgnia DMV mailed the title to TD Auto Finance, LLC. On XX/XX/20 TD told me that the title had been released to XXXX on XX/XX/20. On XX/XX/20 TD told me the title had been mailed to XXXX on XX/XX/20. On XX/XX/20 TD told me that they had never received the title from the Virginia DMV. XXXX XXXX XXXX paid off the loan to TD but TD apparently refuses to release the title. I am told something different every time I communicate with TD.
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Following complaint # XXXX with TD bank, the company has yet another tactic they've used in the past to silence underprivileged, XXXX, youth Americans by threatening an account closure and not necessarily saying the reason it's for. TD Bank claims they have the right to close my account at their own discretion. They never warned of any wrongdoing, other than too many transfers from my savings account to my checking in order to not overdraft. Being that I was recently a victim of a gas station skimmer attack on my personal debit card, TD Bank claims representative presumingly knew that was a likely event from the same {$100.00} charges from gas stations in other different areas in where the county I live in. This continuous behavior from a national bank on treating XXXX consumers with no protected rights has been a long issue within the financial industries in America. This is a discriminatory tactic TD Bank has used against me, and I am asking the CFPB to help fight back with me.
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My purse was stolen on XX/XX/2020 in XXXX, PA. I called TD Bank ( FDIC very number XXXX ) and alerted them to the theft and that my debit card and license were stolen. They Closed my debit card and instructed me to come into the branch to get a replacement. I went into the XXXX, PA branch the following day, XX/XX/XXXX, and again inform the teller that my bank card and my ID and my entire wallet have been stolen, that no checks were included in my purse, and I was looking to make sure that my account was safe. She processed a new debit card for me. On Tuesday, XX/XX/XXXX, I received a phone call from a TD Bank branch in XXXX Pennsylvania. They inquired as to whether or not I was in their drive-through, and when I answered that I was not, we determine the fraud was being perpetrated. Upon arriving at the branch they determined that it withdrawal slip had been forged and my drivers license, which had been stolen, was being used to attempt to withdraw {$4000.00}. Unfortunately, they also informed me that earlier that morning, in XXXX XXXX New Jersey, a withdrawal had already been made using the same drivers license and a forged withdrawal slip for {$4000.00}. Police reports have been filed both in XXXX Pennsylvania and in XXXX Pennsylvania. Im disappointed that despite the fact that TD XXXX was informed twice that my purse was stolen, that no holes were placed on my checking account or alerts placed on my checking account to ensure adequate protection. Ive subsequently, closed my checking account and placed additional protections in place. Unfortunately that does not get me back the {$4000.00}
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An account was fraudulently opened using my name with TD BANK XXXX and Ive filed a dispute with XXXX and was not resolved. I do have a police report from the incident. Please investigate and remove negative item from my credit report. Thanks so much
Company Response:
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have full documentation including a certified letter from TD Auto Finance that my account was paid in full and closed for a auto loan. I also have a signed title in hand from them. I called them multiple times to ensure my auto loan payoff quote was accurate and the money sent was processed accordingly. They ensured me it was. Once the account was paid and closed they called me 30 days later saying they " misapplied '' funds and that I owe them {$12000.00} still. I told them I would not send them anymore money as i have all documents showing where money was paid and letter of confirmation from them along with the recorded multiple phone calls to ensure accuracy. Unfortunately they were wrong and made their own mistakes that they are responsible for not me.
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have several accounts at TD Bank and frequently use their online banking service to transfer money between them that are immediately credited to the receiving account, with ONE exception. When I transfer money from a checking account to pay the credit card account, the money is deducted immediately from the sending account and not credited on the receiving credit card account until several days later. Recently I began traveling to a TD Bank branch and withdrawing the funds from my checking account then paying the cash directly to my credit card. That worked only for one month, the next month the Teller entered the wrong code for my cash credit card payment and I again had to spend hours on the telephone getting the paid amount posted to my credit card. This month, I am sick in bed and unable to visit a branch which I probably should not be doing anyway given the current pandemic. Again, I did an online transfer, received a receipt saying the transfer was successful and have been told I have to wait 1-2 business days for the payment to be posted to my credit card. Anything that can be done to address this problem will be greatly appreciated.
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2020, I noticed that my credit scored declined due to a debt on " XXXX goods. '' I immediately checked my credit card with XXXX, which was paid in full, and I noticed that it was a due payment amount ( {$80.00} ) for fees that were not supposed to be taken. My credit has been excellent due to my responsibility for my payments. I was not even notified about my credit card charges in the email linked to the account. If I hadn't noticed the decline in my credit report ( something that many don't have access to ), then the outcome would have been a big debt. It is just unfair and frustrating. I called the company to fix the situation, and they just told me : " well, close the account, '' which I did. They were not able to return my fees because they stated that they couldn't.
Company Response:
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone other than the account-holder with a TD Checking Account has been transferring large amounts of funds to a trading app named XXXX. It totals {$240000.00}. TD is not being very cooperative. An investigation needs to be opened to unmask these on-line fraudulent transactions ASAP!
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A