Date Received: 2020-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made a deposit on the ATM for {$800.00}, it said forced deposit into savings account. The deposit never showed up on my balance. I opened an ATM dispute 3 weeks ago, bank has not even started an investigation, branch said they can not do anything on their end.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I chose checking accounts and bank closed my accounts because it is the genesis of my problem in fact the chain effects of it encompasses many of the choices options in the previous page. I had 3 accounts with TD BANK a checkin, loan, and credit card I use the checking account to transfer payment to the loan and credit account, in XX/XX/2020 I reached out to the bank requesting a relief having being affected by covid19 disaster the bank went ahead and deferred my installment payment to XX/XX/2020 my due date is the XXXX of every month so they make me skip 3 months when XX/XX/XXXX reached I wasn't able to make a prompt payment so I reached out to them again and was told that I have 15 days grace period from the XXXX. mean while I wasn't making any money therefore couldn't keep {$100.00} minimum on my checking account, that attracted a {$15.00} a month fee anytime I go below {$100.00} and the bank has a policy of closing accounts that are consecutively negative for 59 days so the fees brought my accounts to negative however twice within the 59 days I was able to get the bank 's representative to reverse the fees and therefore bring me to positive this happened on XXXX XXXX and XXXX XX/XX/2020 respectively so I tried to make my loan payment within the 15 days grace period I have so on the XXXX of XX/XX/2020 I made a deposit of {$250.00} to my checking account via my bank 's ATM I already had $! 0 in my account that brought to {$260.00} my loan installment is {$240.00} so I transferred {$240.00} to the loan account I knew I'm ok until I checked my XXXX credit report a month later to my dismay the bank has reported missed payment, I called the bank and they said my payment was returned due to lack of funds I insisted that I have funds at the time of payment but they said my checking account has been closed on XX/XX/XXXX XXXX.I told them as of XX/XX/2020 my account is very much alive because I made a deposit of {$250.00} and before I made that deposit I had {$10.00} in the account, they were able find out that indeed I did made the deposit and that the money has been in their possession all along so I asked why was I able to make a deposit if my account was closed and the answer they gave was that the account was in the process of closing but not complete. I asked how is this my fault? if my account is close I shouldn't be able to make a deposit, I shouldn't be able to make transfer I was told not worry they re gon na fix the problem so they sent me to a branch where they issue me a credit and advice me to open a new account so they can deposit the credit and then I can use it to effect the supposed late payment and after that they will take steps to rectified the remarks they made on my credit report I obliged. but they refuse to correct the remarks even though it was their system error that caused me to default I tried everything I could they insisted that their reporting is accurate please help me
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We recently refinanced our TD bank mortgage and fully paid it off. They sent a letter on XX/XX/2020 stating " Recently a payoff quote was issued for the above referenced mortgage loan. In order for us to ensure that the payoff quote remains accurate, your automatic payment has been cancelled. '' The loan was paid off today, XX/XX/2020. Despite the payoff and the notice of cancellation of automatic payment, the automatic payment of {$2900.00} was drawn from my checking account today. I have contacted the bank and they said they will issue a refund in approximately 10 business days. They should not have drawn the payment in the first place and should either immediately refund it or pay a penalty.
Company Response:
State: DC
Zip: 20017
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2020 I opened a checking and savings account that was offering {$500.00} bonus. the bonus offer was addressed to and mailed directly to me. i satisfied all of the requirements I still haven't received the bonus. The mailing had the following offer attached : " Earn Up to {$500.00} when you open checking, savings, or both. {$300.00} when you open a TD Beyond checking account and have {$2500.00} in direct deposits within 60 days. {$200.00} when you open a new TD personal savings account, deposit at least {$20000.00} in new money in the first 20 days and keep at least {$20000.00} balance for 90 days. ''
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hello, I have been attempting to close my account with TD Bank for a month now. I emptied it and sent 13 messages with no replies to request it be closed. I have also called twice and those calls are recorded, my account was not closed during those calls. I have reached out on Social Media and nothing became of that. I am immuno compromised and can not go to a physical branch at this time. There was then an accidental charge to my account and I transfered funds to cover it. I now have to wait for those funds to not be pending to close my account. While waiting I have been charged fees for having XXXX $ in an account I have been trying to close, when I was informed in a recorded call that no fees would occur until XX/XX/20 I am extremely stressed about this situation and TD bank has done quite possibly the closest to nothing I have ever seen to resolve my issue. Please help me, I've already lost so much in fees to TD. I honestly feel cheated by this bank.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/XXXX I made a deposit at a td bank branch atm of XXXX. The atm took my money which was two XXXX XXXX dollar bills then an error code came up on screen saying unable to process bulk deposits, gave me back my card, and not my money and then screen cleared. I immediately called td bank while there and they said they are filling a dispute and I should receive my funds in 3 business days. on the XXXX there was still no funds returned so I called again and was told that the claim on the XXXX was not done properly and they would have file another claim. now it is XX/XX/XXXX and I was told it has not been looked at still.
Company Response:
State: RI
Zip: 02919
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage refi loan with TDBank on XX/XX/XXXX, sent all my docs on XX/XX/XXXX and locked my loan. Paid for appraisal and paid for whatever other credit fees. Appraisal report was done a few weeks later and submitted XX/XX/XXXX. After that I pushed for closing non stop, sending several emails and phone calls and nothing has been done to move my loan to closing. The tentative closing date was XX/XX/XXXX however that came and went and I have not heard anything from anyone. I have tried to escalate but have not been able to reach managers or anything else to escalate. It has now been 60 days since my application and I have yet to hear a word about closing. Also the points fees and schedules I originally applied for did not match what was advertised. They were advertising XXXX with XXXX points in my state and I have XXXX+ credit score and great credit history and income and was unable to achieve that rate for some reason.
Company Response:
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: TD Bank charges predatory fees. On XX/XX/2020, I deposited {$20000.00} into my savings account to satisfy the minimum required balance. Gathering that {$20000.00} represented an enormous effort. I had to sell two vehicles, plus some furniture and clothing. The pandemic has hit my household hard, and we have no money to spare -- just these emergency funds from selling things. Only 2 days after I deposited that {$20000.00}, TD Bank hit me with a {$15.00} cycle fee. It must have been automated, and did not take my deposit into account, as a human being exercising judgment would probably not punish a struggling customer like that. So I sent TD a secure message about the fee. All I got was an automated response telling me they'd get back to me. They never did. On XX/XX/2020, TD imposed ANOTHER {$15.00} cycle fee, clearly caused by TD 's XXXX fee that had drawn my balance below {$20000.00}. While the first fee may have been an error of automation, the second fee is TD charging me for TD 's own fees. This fee pile-on is unfair and abusive. I called TD Bank customer service about this today, and they refused to help. Please stop TD Bank from preying on struggling consumers like this.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A few weeks ago I was notified that someone checked my credit. As I looked into it I found that TD Credit Card Services had done an inquiry. I called TD Card Services, their automated system validated me with my phone number and last 4 of my ssn. The automated system then told me that I had a XXXX balance and a {$4200.00} credit limit. After an hour on hold I spoke to a live person who told me there was no record of an account in my name or phone number. He could not explain why the TD Card automated system told me there was an account. I asked to have a supervisor from the fraud dept call me back and he said they would. I never received a call. Next day I placed a fraud alert with the credit reporting agencies. On XX/XX/XXXX I received a letter in the mail from the Department of accounts and inside is a congratulations from XXXX XXXX which included my complete 16 digit account number and showing a credit limit of {$4200.00}. It was issued by TD Card Services. I immediately called TD Card Services and was left on hold for 3-1/2 hours from approximately XXXX XXXX until XXXX XXXX on XXXX. Note that the automated system again indicated that I had available credit of {$4200.00}. Today, XX/XX/2020 at exactly XXXX XXXX I again called XXXX and spoke to XXXX. XXXX attempted to transfer me to the fraud dept but I was promptly disconnected. I immediately called back and have been on hold for 1 hour and 15 minutes now. Someone has obviously obtained credit in my name and the credit card company will not answer the phone! My credit score runs between 800 and 850. Are there any regulations that require credit issuers to answer the phone and provide support. This company clearly is not doing that! Please help! Sincerely,
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A