Date Received: 2020-10-14
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XXXX XX/XX/2020 I tried to access my account with TD Bank. I noticed that my password wasn't working. After changing my password and looking at my accounts, I noticed that I had {$1000.00} less on my Landlord account, which is always at a specific balance. Then I noticed that my checking account had a transfer of {$1000.00} on XXXX XX/XX/2020 to a XXXX XXXX through an app called XXXX that is available on the TD Bank website. The only time I use this app is to pay my rent to my landlord, which is clearly documented on my transactions with XXXX. I do not know a XXXX XXXX, nor did I send him {$1000.00}. I called the bank and also went to the bank and closed all my accounts and opened new ones on XXXX XX/XX/2020. They filed a claim the same day at the bank. I gave them time to investigate the claim and on XXXX XX/XX/2020 when I didnt hear back from the bank I called again and was told the claim was denied. They also told me that I should call the person who is on the transfer information which has a phone number from Florida. I called that number and got a answering service the first time and the second time, he said he didnt know who I was and didnt have my {$1000.00}. I went back to the bank to get an explanation as to why this was denied and was told the claim was denied on XXXX XX/XX/2020. They told me that I would need to file a police report. That same day I went to the police station and filed a report. Currently investigator are reviewing the documents they asked me for. When I got home I had a letter from TD Bank stating the claim was denied and I could request documentation of the investigation the bank did. That same day I called the bank and ask for the documentation. I spoke to XXXX and she listened to my story and looked at my file and said that this looked questionable and she resubmitted my claim that same day. I called the bank again on XXXX XX/XX/2020 to check the status of the resubmitted claim and XXXX told me the claim is still pending and that is a good sign because usually they deny them right away. He also told me that he sees some questionable activity on my account from IP addresses from Florida and another location. I gave them another few days and called them again on XXXX XX/XX/2020 and spoke to XXXX who told me that he doesnt see anything in the system at all from the resubmitted claim from XXXX XX/XX/2020. He said he could only go back to XXXX XX/XX/2020. He suggested to submit the claim again. This is going on for over a month and all I am getting is the run around with no resolution.
Company Response:
State: NJ
Zip: 08050
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I've been trying to contact someone at XXXX XXXX at XXXX XXXX XXXX XXXX for the last 2 days to fix an issue with my account. At the XXXX checkout page, when I try to purchase a new phone and use my XXXX XXXX account, the system keeps redirecting me to a new credit application page. I've been on the phone with XXXX at XXXX and they basically said that the issue is with XXXX XXXX, operated by TD Bank. In a recent email exchange, one of the Customer Support from XXXX E-Commerce, I received the following instructions : XXXX XXXX XXXX XXXX XXXX ) XX/XX/2020, XXXX XXXX Hi XXXX, Please make sure that you have linked you XXXX account to your TD Account by going to this linked : XXXX XXXX XXXX XXXX XXXX Also, contact TD by calling XXXX. Check with TD if your address has been updated and then wait after 3 business for the change to reflect on your XXXX account. Warm regards, XXXX XXXX XXXX Customer Care XXXX I've tried to link my XXXX account to my TD account ( XXXX XXXX XXXX, and got the following message : We could not find your TD application We identified your XXXX Account but did not find a TD Bank application associated with your XXXX Account. Please sign-in with the email address used to create your XXXX XXXX account. If you lost your account, we can help you find it. If the XXXX Account email address and password you used when applying with TD Bank, N.A., for XXXX XXXX is different than your current account, please contact XXXX Customer Care. SIGN IN WITH DIFFERENT ACCOUNT I've also called XXXX XXXX ( TD Bank ) at the XXXX informed and waited for at least XXXX until the connection dropped. From TD Bank XXXX XXXX XXXX XXXX my account is in good stand. Here 's a quick snapshot of my account as of XX/XX/2020 : Acc ending in XXXX Available Credit : {$2900.00} Total Current Balance : {$220.00} Thank you.
Company Response:
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
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: My TD Cash credit card was blocked by the decision of TD, which decision I do not support. According to TD : TD credit card blocked on XXXX, unblocked on XXXX According to TD : {$500.00} charged at a grocery store on XX/XX/2020, charge posted on 14th, payment of {$500.00} posted on XXXX According to TD : {$6.00} charged at the same grocery store on XX/XX/2020, charge posted on 21st, payment of {$6.00} posted on XXXX I didn't receive the 2 % reward for my {$500.00} purchase but received instead only 1 %. I asked about receiving the additional 1 % and was told that I had to wait longer. So I waited at least about one month longer. Then I asked about receiving the additional 1 % and was told that the store from which I made the {$500.00} was not considered a grocery store. So I made a {$6.00} purchase from the same store and waited almost a month. I confirmed that I had indeed received a 2 % reward on the {$6.00} purchase. Then I asked about receiving the additional 1 %, letting them know that I had received a 2 % reward on the {$6.00} purchase from the same store at which I had spent the {$500.00}, and was told that they wouldn't provide it.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Payment was reported 30 days late. This was due to COVID-19. Furthermore, A payment arrangement was set up for a majority of the due amount so they were not supposed to report it late. because they put me on a payment plan due to covid
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2020 I had a positive balance in my account of over {$650.00} and pending items on my account that did not post. I had a check come out that was for {$650.00} now TD bank is charging me an overdraft fee on three items that were pending even though the items did not post. These transactions were small amounts each one under {$100.00} and now I am being hit with {$35.00} for each one. I tried to get the fees waived but was told that they already waived a couple of overdraft fees for me in XXXX. In my experience no other bank treats customers this way, they are out to make customers pay as much over draft fees as possible. Its really predatory. I just want my money retuned I cant afford to pay these fees now that I'm not working.
Company Response:
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is the second time I am having to file a complaint against TD Bank NA and XXXX XXXX XXXX XXXX , XXXX in XXXX, OH for harassing us claiming to not have received proof of insurance on our home. We last needed to do this in XX/XX/XXXX. My wife and I have a 15 year mortgage with TD Bank since XXXX where we purchase our own property insurance independently to avoid the use of an escrow account. Beginning in XXXX, TD Bank and their mortgage servicing administrator, XXXX XXXX XXXX XXXX , XXXX,. have adopted a practice of harassment by " losing '' our submissions of proof of insurance threatening to force place insurance on our home. Every fall, we need to go through multiple instances of providing this proof of insurance only to have it be " lost '' multiple times. This has again occurred after proof of insurance was confirmed to be sent on XX/XX/XXXX @ XXXX and on XX/XX/XXXX @ XXXX after their previous request to have the proof of insurance sent to them. We have since received yet another letter from TD Bank, dated XX/XX/XXXX claiming to not have received proof of insurance and threatening to force place insurance on our home. Since this request has been met twice, I can see that we are again on a path of harassment despite promises to the contrary in XXXX following the last complaint. The issue is TD Bank 's use of a mortgage servicing company that has a vested interest in selling insurance -- so much so that their corporate name contains " Insurance '' in it. This establishes a conflict of interest to not competently satisfy the administrative tasks of processing mortgage paperwork but instead to pretend to " lose '' the submitted proof of insurance from what is now a competing source of insurance. The apparent hope is to sufficiently harass homeowners to the point where purchasing insurance from outside of the insurance purchased through an escrow account is too onerous for the average homeowner.
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. What I am disputing : The late payments you have reported to the three credit bureaus. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I recently filed a complaint with TD Bank XXXX. TD representative, Ms. XXXX, responded onXX/XX/XXXX and stated that my {$150.00} cash bonus was denied because : " The primary owner of the new personal checking account is a new personal checking customer to TD Bank who must not have any existing or prior relationship with TD Bank. One checking bonus per Customer and can not be combined with any other offer. '' ___________________ I am reopening a new complaint because the information they provided in the response letter left out very important information regarding the offer which shows that they are misrepresenting the information While I previously had an account with TD Bank in XXXX, and did receive a bonus, that account was closed shortly thereafter. Therefore, I was not a TD checking account customer. More importantly, the offer, on TD Bank website, clearly states that " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. '' The key verbiage used here is " not having an existing or prior checking account within the preceding 12 months. '' Per your terms, I am considered a new checking account customer because I have not had a checking account within the last 12 months. The response letter they wrote and cc 'd you on excluded this information and it is clearly listed on their site. Additionally, I spoke to 3-4 different representatives, ( 2 ) of them stated that I was going to receive the bonus so there is clearly a disconnect somewhere. The federal XXXX XXXX allows civil lawsuits for false advertising that misrepresents the nature, characteristics, qualities, or geographic origin of goods or services. 15 U.S.C. 1125 ( a ). XXXX Remaining part of offer ... and link : https : //www.td.com/us/en/personal-banking/checking-aff-incentive-55/? convenience? src=src : aff : cchq : aff01a & ranMID=40283 & ranEAID=OAeF4LPMj4E & ranSiteID=OAeF4LPMj4E-XRVi8ecjbzO6PyatYBvHow & siteID=OAeF4LPMj4E-XRVi8ecjbzO6PyatYBvHow {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. TD Bank may issue you an IRS Form 1099-MISC, or other appropriate forms, reporting the value of the bonus. Offer may be withdrawn at any time and is subject to change. One bonus per account per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. 2Monthly maintenance fee can be waived with one of the following : {$5000.00} or more in direct deposits within a statement cycle or {$2500.00} minimum daily balance is maintained or {$25000.00} minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing ( excludes credit cards and personal loans ) that you choose to link. 3Non-TD ATMs : TD fees waived regardless of balance, and non-TD fees reimbursed when minimum daily balance is at least {$2500.00}. For non-TD ATM transactions, the institution that owns the terminal ( or the network ) may assess a fee ( surcharge ) at the time of your transaction, including balance inquiries. 4TD Convenience CheckingSM monthly maintenance fee waived if the Primary account holder is age XXXX through XXXX years of age. Upon the primary account holder 's XXXX birthday, the account will be subject to the monthly maintenance fee unless the minimum daily balance is maintained. 5TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled XXXX or XXXX device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum. 6A business day is every day, except Saturdays, Sundays and federal holidays. XXXX original complaint : Opened checking account with TD Bank in XX/XX/XXXX. There was a cash bonus offer in the amount of XXXX. I needed to get a direct deposit of XXXX into the account. The first qualifying direct deposit in the amount of XXXX went in on XX/XX/XXXX within a few weeks from the account opening. The offer I listed below. I contacted td four separate times to inquire. Two separate reps stated that I should receive the bonus soon or sometime around 180 days from account opening. I received an email response on XX/XX/XXXX stating bonuses are paid 140 days from account opening ; however, it was a generic email. I called today and the rep, XXXX, stated that I was not eligible for the bonus. I explained the scenario and she said she didn't see any notes from the previous reps and that their bonus offers expired in XXXX. Perhaps one of their standard bonus offers expired but I submitted mine through an online affiliate site which routes you td 's site and provides all of the bonus information. XXXX XXXX XXXX XXXX XXXX TD " Affiliate '' Checking account offer from " TD Convenience CheckingSM New customers can earn {$150.00} Get direct deposits of {$500.00} or more within 60 days of opening your account to earn {$150.00} Everyday banking perks with low minimum daily balance requirement Monthly maintenance fee waived when you maintain a {$100.00} minimum daily balance. If you're ages 17 23, no monthly maintenance fee and no minimum daily balance requirement.4 View account guide '' https : //www.td.com/us/en/personal-banking/checking-aff-incentive-55/? src=src : aff : cchq : aff01a & ranMID=40283 & ranEAID=OAeF4LPMj4E & ranSiteID=OAeF4LPMj4E-JX7sghXp2AgTH4GOHeoXig & siteID=OAeF4LPMj4E-JX7sghXp2AgTH4GOHeoXig
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: With my. Target credit card. TD BANK USA/ TARGET CREDIT. I paid off my balance when I refined my house in XX/XX/2020. I was under the impression that I am a XXXX balance. There was {$2.00} Finance charge. Which I did not have any problem to pay to make sure that my account is XXXX balance. The problem that the TD BANK USA/ TARGET CREDIT failed to communicate with me. Or notify me. I called them finally in XX/XX/2020 when I recognised that I have a past due balance. I got to know this past due balance from my huge drop in my credit score. So I called them inquiring about the problem. They said that I owe them {$2.00} plus {$5.00} fees and they send me emails about it monthly. I looked it up and I see all emails were going to my spam and my pc consider it as spam advertisement. When I explained that to them the bank representative said that there is no default on their part and they have to report it to the credit bureaus. It is as serious matter as I am very careful on my credit payments and my credit profile and I keep very close eye on my finances. But when I do not get a good way of communication from the TD BANK USA/ TARGET CREDIT and they report it to credit bureaus that is unfair. I asked if I did not response to your emails why you did not send me a letter by mail or a phone call or both. Representative said we do not do so. It is a serious matter as they report a delinquency in my account and I have no way of communication with the bank to get to know that I owe them {$2.00} plus there {$5.00} ( {$1.00} a month ) Fees. That is not fair and I am disputing that. Thanks.
Company Response:
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I applied for a mortgage refinance on XX/XX/XXXX with TD bank. It is now XX/XX/XXXX and TD have not closed on the refinance. I believe TD have deliberately extended the timelines at every step of the refi process to avoid closing on my mortgage, knowing that if we miss the close date they will increase the rate offered to me. TD have charged me over {$1500.00} in fees now and still can not tell me when or if we will close. They have been very slow in following up on paperwork, with weeks going by without any progress. They have been very unclear with me and my condo management about what they needed us to send them to approve the loan. My condo board had multiple email exchanges where the representative from TD was unable to explain clearly what she needed from us to underwrite the loan. The appraisal costs I was quoted were incorrect and jumped up from the amount the quoted me initially ( {$520.00} ) to {$800.00}. I was told that was because I live in a condo. I was told I had to pay their fees but it then turns out they have not yet been able to approve my condo for lending. I found this is strange as TD have confirmed they already lend to other condos in my building. I believe these delays have been 100 % preventable and it is in TD 's interests not to close during the rate lock period as their rates have increased since we started this process in XXXX. They stand to make a lot more money from me if they let the rate lock expire. I raised a complaint with TD on XX/XX/XXXX. They have not responded to my complaint or taken any action to address the delays. I followed up on that complaint today and it is now clear they do not intend to take any action to close the mortgage before the rate expires.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A