Date Received: 2020-11-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/20 : I received a set of checks under my name and address from a " bank '' I never heard before. Initially I thought it was a mistake due to a previous request of set of checks from my financial institution. The checks are made by a third party which I contacted to let them know about that " mistake ''. XX/XX/20 : After 5 weeks I returned home and I found in my mail a statement from the same " bank '' I received the set of checks before. The statement has my name as the owner of that account. There were two deposits from XXXX for about {$5000.00}. I called that " bank '' Fraud line and spoke with somebody who told me the account was flagged for suspicious activity. Apparently the two deposits for {$5000.00} were for unemployment from a state I never lived there. This person gave me a long list of phone numbers to call. He also said was going to cancel the account and return the checks. XX/XX/20 XXXX : I call again the " bank '' Fraud line and spoke to a different person who advised me to go in person to the nearest " bank '' branch. A few minutes later, I called that branch and after providing my SS number, the person who helped me mentioned the DOB used to open an account under my name was wrong. He said that somebody from a security company that works with the " bank '' was going to contact me by phone or email. UNTIL TODAY IT NEVER HAPPENED
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: My account was on Autopay with TD Bank XXXX XXXX for a phone which I bought. I bought a new phone with XXXX and I was informed that the Autopay on my account was kicked out due to a new purchase on my account authorized by XXXX. I was never intimated on this decision, either offline or online. The credit bureaus informed me on Saturday ( XX/XX/2020 ) that this account is 'past due, ' which is due to no fault of mine. I have never missed a payment with any of my lenders including T.D bank so far ( check my credit history for details ). As soon as I learned about the situation, I paid the amount due immediately ( including the late fees, which are again no fault of mine ). I was instructed by the customer service that I will receive a call from the supervisor within 24 to 48 hours, which was not fruitful. When I observed the autopayment screen on my account, it constantly showed 'Enabled. '
Company Response:
State: AL
Zip: 35404
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: XX/XX/2020 - TD Auto Finance financed a new truck that I purchased through XXXX XXXX XXXX in XXXX, GA. I requested the loan to be in my name ( I'm XXXX ) and my grandson 's name ( age XXXX ) but was told by XXXX XXXX finance rep that no finance company would agree to do so. But because I have a good credit they gave me the loan knowing full well that I could not pay this payment if for some reason my grandson was unable to do so. Now the payment is all on me since my grandson can not pay. Also, I have attempted to sell the truck back to XXXX XXXX but they aren't interested. I got a purchase quote from XXXX of {$44000.00} even though the truck has only XXXX miles on it. The difference in what is owed and that amount is about {$25000.00}. I don't understand how a truck with so few miles could drop so drastically in price.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2019 there was fraud a with my account at TD Bank. They allowed someone to wire transfer over {$900.00} from my account. I notice it the same day and was told by the by the banks fraud department they could not stop the transfer. Afterword I was told that the only way I could get my money back was to make a police report which I did but TD Bank still did not refund my money. I have never made a wire transfer in the past with any of my accounts.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On approximately XX/XX/2020 TD Bank contacted me to ask if I had authorized 41 charges totaling approximately {$3300.00}. I informed the caller that neither I nor my wife authorized the charges. I was told the charges will be sent to the dispute department and that a fraud investigation would take place. In XXXX I received mail postmarked XX/XX/202. It contained a letter from TD Bank dated XX/XX/2020. The letter stated that they attempted to reach me by phone and in writing to obtain necessary information. Any phone calls that TD bank had made to me were not described in caller ID as coming from TD Bank. Therefore being elderly and with the elderly being subject to scams I do not answer phone calls or listen to voicemails from callers who can not identify themselves as being legitimate. TD Bank did not make it clear that it was anyone from TD Bank trying to contact me. These are safety measures that I and most reasonable individuals will take. They also stated in the letter that they attempted to get in touch with me in writing, however this is not true. There were no mails nor emails sent to me regarding the matter between the initial report and the letter I received in XXXX. The letter stated that they were closing the matter at this time and to call XXXX XXXX XXXX if I had any questions. On XXXX XXXX, I called the # and discussed the situation with a representative. I was told that TD was trying to contact me to find out if anything that was ordered as part of the fraudulent charges were received by me in the mail. I told them that nothing was received because we did not order anything nor charge anything. I told them that they did not carry out the investigation to a satisfactory result and to reactivate the dispute and clear my charge card of these charges. TD Bank has not produced any letter or email that they claim that they had sent to me. It appears that someone at TD Bank is not being truthful about this matter. They stated they would notify the investigator. Prior to receiving that letter above I had called a second time and inquired as to why things were taking so long and I was told that there was a shortage of individuals due to the Covid crisis which is understandable and to please be patient on the matter. So how am I to be patient with TD Bank especially when they are not doing everything they can do to contact me. There are multiple ways to contact me. In addition to my address they have another phone # which actually was the phone that I was initially contacted on XX/XX/XXXX. It appears to me that TD was beating around the bush here in order to get to a point where they would refuse the claim. Again after not hearing anything from TD Bank, on XX/XX/2020 I again called the #. I was told that the investigator is not going to reopen the case. I talked with a supervisor and told the supervisor to have the investigator reopen the case. The supervisor stated she would do that. I again called on XX/XX/2020 to find out the progress and was told that it will take longer due to the current slowdown. After not hearing anything for almost a month I called again on XX/XX/2020 to find out the progress. I was told that the dispute is not going to be re-opened. I requested to get a call from a supervisor. This dragged on too long. The TD Bank Consumer Care USFM Fraud Agent III appears to do nothing but send requests back to individuals who continue to refuse to apply care towards their customers. There has been nothing but avoidance delays, refusals and excuses that the Covid crisis has created a shortage of individuals who can see to it that fraud is taken care of as it should be. I have since contacted the Ombudsman of TD Bank. TD did not carry out their actions in a strong enough effort to contact me and do what they should to remove these fraudulent charges from my account. These charges and any accrued interest due to these charges should be removed from my credit card account. TD Case # XXXX
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern : I am writing to express concern about how TD Bank presents its transfer limits. The bank lies to its customers in a way that makes it more likely for them to receive additional fees for balances dipping below a minimum, because customers can not make deposits as listed in the interface. After logging into the TD Bank web interface to make an interbank transfer ( " With my accounts outside TD Bank '' ) one must first select the source account, so the interface knows if the desired transfer is inbound to or outbound from TD Bank. Then, next to the box for the Amount, a " View Limits '' link appears. Clicking on this shows the per-transfer, daily, and monthly limits for both inbound and outbound transfers using next-business-day and 3-business-day transfers. It also shows the amount remaining today, though that amount is not as applicable when scheduling a future transfer. Unfortunately, these amounts are regularly WRONG. Upon initiating a transfer within the limits presented by this interface, a bank customer can receive an e-mail stating that TD bank had cancelled the transaction because the amount exceeded TD Bank 's limits, even though re-checking both the limits shown and the customer 's history of inbound or outbound transfers within the past day and month shows the amount to be under the limit ( also under the per-transaction limit ). The inverse is also true : sometimes transactions for amounts greater than the stated remaining limit can go through just fine. The only way to find out the actual limits are to call in to the bank and spend about an hour on the phone. For example, I had an INBOUND transfer from XXXX XXXX XXXX scheduled for XX/XX/XXXX for {$8000.00}, which was initially schedule just fine but then cancelled by TD Bank due to TD 's limits. The published limits say that the inbound per-transaction maximum is $ XXXX, with $ XXXX daily total limit and $ XXXX monthly total limit. This is very clearly presented in the interface presented to the user only AFTER logging in to their individual accounts and AFTER indicating whether this is an inbound or outbound transfer. After receiving notice of the cancellation on XXXX XXXX XXXX, I called TD Bank and reached XXXX. After 45 minutes on the phone, the conclusion was that the actual monthly limit is $ XXXX instead of the {$30.00} shown. The new transfer, when combined with the only other inbound transfer within the past 30 days ( though not in the same month ), exceeded this secret " monthly '' limit, and " monthly '' in this instance secretly meant a rolling 30-day period instead of each month, even though it means " monthly '' in other cases such as limits on the number of withdrawals from a savings account. Note that the limits imposed by the other bank from which the funds were to be transferred ( a premium account ) are much, much higher, limited only by the funds in the account which were more than enough to cover the transaction. They explained that the higher limits are shown to me after I've logged in because those higher limits apply to some other customers, and the determination of eligibility is made based on banking hisotry at the time a customer signs up for that portion of online banking, which in my case was likely when the account was brand new, so I was not eligible for the higher limits and nobody at the bank can change that. They also explained that nobody at the bank could change their interface to give customers true information about the limits which applied to them ; they think lying to their customers is just fine. This is not the first time an issue like this has happened and the Bank continues refusing to fix it. As a result of the limits shown being different from the actual limits in effect, TD 's design choices have blocked me from being able to cost-effectively figure out the deposit limits which would have allowed me to fund the account to be just above rather than just below their threshold for charging maintenance fees, and they have been charging these maintenance fees. When I log into their website to try to send a Secure Message about these issues ( in the Transfers category ), I first get the error that I can only send a message about internal transfers between accounts, and even when I select internal accounts with more details in history and description, I can not submit the message " We apologize for the inconvenience. Thanks for your patience. Please try again in a little while. '' This is quite frustrating. I don't think the bank should be allowed to lie to customers about the transfer limits it imposes and I definitely don't think that strategy should be considered a legal basis to extract additional fees.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: My auto finance loan was set up for auto pay. The last payment of my loan was never automatically taken and I had no idea. I had bought a home in XX/XX/2108 and I had moved from my apartment. My address was never updated. I never received a letter from TD Auto Finance that I was missing my very last payment of a 6 yr loan that I had paid monthly on-time, every time. I assumed the car loan was paid off. Around XXXX I received some vague phone calls from TD autofinance asking me for my information to confirm who I was. At first I was skeptical as I had no idea what they were calling about because they refused to give me any information and I thought the call was someone trying to obtain my personal information. I then logged into my TD bank account and realized I still had a balance which I didn't know why. I finally called the TD Bank phone number back and was told that since my payment was for less than my monthly payment, the Auto Payment wouldn't go automatically. I paid the balance on the phone that day and thought everything was ok. I recently applied for a credit card and was denied due to my credit report. I obtained my credit report and it states that I have bad credit due to this incident with TD Bank Auto Finance. I am unsure why this wasn't cleared. To date I still do not have any letter or email notifying me of my payment being overdue or the threat of this ruining my credit score. I am very upset since my credit has always been relatively VERY GOOD and this error was not entirely my fault. Shouldn't I be notified via email or at least within 30 days by phone of this issue and not 90 days later? What is TD Bank 's gain for not clearing this? I can't even login to their account for additional information because they closed my account since my loan is done.
Company Response:
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I noticed a transaction on my XXXX account that I never authorized nor stayed at the hotel as indicated in the reservation. I contacted my bank ( TD Bank ) who has started an investigation of this transaction. I contacted the XXXX Fraud Department. My phone call was never returned. Please reference XXXX confirmation number XXXX Also reference XXXX itinerary number XXXX. I also contacted the hotel in question. The manager at this hotel was not helpful.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Due to the Covid19 quarantine in XXXX county in XX/XX/2020, my household financial income was affected and thus I elected to enter into my Target Redcard proposed payment plan to help with making payments. I in effect closed my Target Redcard account and entered into a payment plan. At that time I was in need of paying my XX/XX/2020 minimum due in the amount of about {$32.00}. When applying for the payment plan which i was subsequently approved for, I understood from the text of the agreement that the XXXX payment would be optional since the first payment to be drafted was dated XX/XX/2020. This is what the application stated, however upon checking my credit report the following month, I showed 30 days late on my Target Redcard for missing my XXXX payment. Until i applied for this payment plan due to Covid19, I had Never Missed A Single Payment on my Target Redcard. i had paid my card on time for the previous 8 years, never missing a payment and going 30 days late. I disputed this originally in the spring and was told the dispute was " resolved by grantor '', however it still shows a 30 day late mark on my credit score. This is very important to me that I resolve this problem. I am currently enrolled in the above mentioned payment plan and pay each month a fixed amount to my Target Redcard. This dispute was corrected under my XX/XX/XXXX credit report via XXXX XXXX on XX/XX/2020.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I opened up at TD bank account they sent me the card only for me to go In the bank and to be told I already had an account. Which Ive never had in my life
Company Response:
State: CT
Zip: 06708
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A