Date Received: 2020-05-24
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX My brother received a letter in his familys name that was attempting to collect my credit card debt. The paper inside included my name, the credit card number, and the amount due.
Company Response:
State: FL
Zip: 34974
Submitted Via: Web
Date Sent: 2020-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a TD Beyond Checking account with TD Bank , N.A . on XX/XX/XXXX, which promised a bonus of {$300.00} if I made cumulative direct deposits of {$2500.00} within 60 days of opening the account ( i.e. NLT XX/XX/XXXX. ) I made the required direct deposit ( from my federal pension ) on XX/XX/XXXX - fulfilling the requirement. Per the terms of the offer the {$300.00} bonus was to have been deposited in my account NLT 140 days after the opening of the account ( i.e. XX/XX/XXXX. ) This did not occur. On XX/XX/XXXX I contacted TD Bank customer service ( via phone ) spoke to XXXX and enquired as to the delay. Over the course of ~ 45 minutes she put me on hold 5 or 6 times to confer with other staff, initially could not find or confirm the terms of the bonus agreement, ( eventually ) confirmed that I had met the terms of the offer but could not explain why I had not received the {$300.00} bonus. She indicated that she had forwarded the case to fulfillment staff, said I should see the bonus in my account by the following Tuesday ( XX/XX/XXXX ), and ( in lieu of my request for a confirmation number to identify my case ) she said that she would annotate my account with the details I had provided so I would not have to repeat them to another customer service representative. When the {$300.00} bonus did not appear in my account on Tuesday ( XX/XX/XXXX ) I called TD Bank again and spoke to XXXX. She told me that my account had NOT been annotated as promised, and we spent another ~ 40 minutes as I explained the history of my account and XXXX put me repeatedly on hold as she consulted with other staff. Eventually she told me that my account would be reviewed over the next fulfillment cycle ( which she estimated as 3 - 4 weeks. ) I told her that this was unacceptable and that I would be filing a complaint with the CFPB and the Controller of the Currency about TD Banks failure to honor the Bonus Offer.
Company Response:
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
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: This XXXX XXXX came broken and they assembled wrong. On first day, I emailed a lot and got nowhere. I emailed many many times. Just a run around. I contacted TD to chargeback or do warranty claim and no response and cant log in. They need to take this broken piece of junk off my property and refund fully and pay interest on how long they have kept my money. The arm came lose, monitor never worked, cupholder broke off and pedals came flying off. motor would fire randomly. I cant tell you how many times I got hurt and sent emails and photos and videos on. They did nothing. I should be doing an injury lawsuit. I have contacted a class action attorney. We will see if TD fixes this.XXXX XXXX credit XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited 2 cashier checks and a check from an attorneys escrow account into my business account. It was from the sale of a property that I sold. The total was approximately {>= $1,000,000}. Of that total {$150000.00} was the attorney escrow and the balance was the two cashier checks. Tuesday XX/XX/XXXX at XXXX I made the deposit to the teller at the branch. Wednesday XX/XX/XXXX my account showed all funds were available and I had requested the assistant manager to wire the funds to another bank, my partners account. After completing all the documents and assuming The wire took place, my partners bank never received the funds. The assistant manager said the checks had to be verified. So I called back on Thursday and they still hadnt verified the checks and couldnt tell me any more about when that will be done. I called throughout the day and still no details except that the checks hadnt been verified. I asked for the manager and was told shes at another location. I asked for the regional managers name and number. I tried calling multiple times because it would just go to voicemail. Still no one has returned my calls. Friday XX/XX/XXXX. I went to the branch and asked them to wire an amount that didnt include the one Non bank check for {$150000.00}. The assistant manager said he could only wire Aprox {>= $1,000,000}. I agreed. Then after waiting 30 minutes he informed Me he actually could not wire any amount, because the funds were now not available and some one else would be calling me in a fee minutes to explain why. I received a call from the branch manager, XXXX XXXX, and she said she flagged my account for fraud so funds would not be available until next Thursday. She explained my personal account Was overdrawn ( which if it was it was like {$60.00} ). Also, She Said another business account of mine was closed and had a balance, which i was not aware there was a balance. So based on this she decided to flag my deposited checks as fraud and I would need To contact the fraud department. So from Tuesday to Friday afternoon my funds were available, and when I finally decided to move only the {>= $1,000,000} the manager decides its now worthy of flagging it for fraud. Ive been banking with TD Bank since 2013 and never have I had any problems with transferring funds. Except about 6 weeks ago they held up a {$20000.00} wire into my account that I was trying to wire to my attorney to purchase another property. The same manager held the funds for 10 days. I believe that there was no cause to freeze my account and was only done to either keep the money with the branch or because I was complaining they wouldnt verify my deposits. Why was the branch Assistant manager willing To wire {>= $1,000,000} and 30 minutes later I find out the manager flagged it for fraud? All I got was an 800 number to call from the manager, which nobody answers after waiting on hold for 45 minutes! The assistant manager for 3 days kept giving me different answers about what had to be verified. Every time i spoke to him he was evasive and gave different answers.
Company Response:
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
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: TD Bank Card Services has not reversed the XX/XX/2020 {$65.00} XXXX XXXX charge that has been disputed for more than one month. That charge has not been reversed and is included in my current balance due after logging in to their website. Each time I call or sent secure email they deflect my XX/XX/XXXX dispute to 2 later charges XXXX charges that were reversed and NOT AT ISSUE! Also, my TD Bank Visa card was closed in XX/XX/2020 due to suspected fraud and I was locked out of on line access ( shoot the victim? ). I was told NO NEW CHARGES WOULD POST TO THAT CLOSED CARD. Yet on XX/XX/2020 a {$8.00} charge was posted to my current TD Bank card using the closed card number! If the closed card could accept new charges then why was it closed and another card mailed to me? This is highly irregular and against TD Banks terms and conditions when a credit card account is closed TD Bank has also blocked me from sending secure messages and a Disputes department supervisor named XXXX x XXXX hung up on me when we spoke earlier this week. Previously I spoke to XXXX in Disputes department located in GA case number : XXXX. He promised that the charge would be reversed after listening to the voice-mails of XXXX XXXX which is not contesting any disputed charges.
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to TD AUTO FINANCE to get the inquire removed but, they haven't resolved the matter.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made a payment to TD Finance of {$220.00} on XX/XX/XXXX to satisfy my XX/XX/XXXX payment obligation. I then made another payment for {$220.00} on XX/XX/XXXX to satisfy my XX/XX/XXXX payment obligation. TD Finance recorded both payments as received in XXXX and no payment received in XXXX. I called and was told that because my payment came in before the XX/XX/XXXX cutoff date that they recorded the two payments as a double payment in XX/XX/XXXX and no payment in XX/XX/XXXX. They then listed my account as being in arrears. I contacted them once by phone at which time an operator named XXXX stated she could not change the information and would have a supervisor contact me. No supervisor contacted me for two days at which time I sent them an E-Mail describing the problem. A week later they sent a return E-Mail stating that they would not correct the problem due to a late payment by me. I again E-Mailed them stating that I had not made a late payment, I had made an EARLY payment. I find this to be ridiculous and only view this as a large Finance company seeking to take advantage of a responsible individual with a spotless credit history by increasing my payoff amount and negatively affecting my credit history.
Company Response:
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hello, So, obviously with the pandemic going on, things have been tough for many people. I know that Congress has contacted banks to tell them to stop charging fees, and one of those banks was my bank, TD Bank. I contacted them on XX/XX/XXXX. The refunded me one of my overdraft fees, but not the other one. Two days ago, I received another fee and it was a maintenance fee. In my honest opinion, I believe that it is incredibly unethical for a company to be continuing to take advantage of it's fee policy while a State of Emergency is going on right now. Many banks have put a hold on charging those fees, but TD Bank has continued to make sure it takes every dollar it can while many people are struggling. Can you please help me? Maintenance fees are {$15.00} Overdraft fees are {$35.00} ( if you went into overdraft with one transaction, they charge you an overdraft for for every single transaction until your account is positive again )
Company Response:
State: NH
Zip: 03104
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: For covid19 I called Td auto finance to ask for a payment deferment. They agreed to give me 2 months with out payment and they would just extend my loan 2 months and not report me late on my credit. They infact reported me late and are now have their collection department calling me.
Company Response:
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: TD Bank - XX/XX/XXXX - XX/XX/XXXX POSTING DATE XX/XX/XXXX DESCRIPTION OVERDRAFTPD AMOUNT Subtotal : XXXX XXXX Overdraft fee collected for two transactions that were made with plenty of funds to cover it. This is shown from my deposits and daily balances during this period. Electronic Deposits : 1 ) XX/XX/XXXX = {$50.00} 2 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credit XXXX 3 ) XX/XX/XXXX Online Xfer Transfer from SV XXXX eTransfer Credi XXXX Total {$1000.00} deposited Electronic Payments : XXXXDEBITCARDPURCHASE, ***. - {$75.00} XXXXDEBITCARDPURCHASE, ***** - {$72.00} XXXXPHONETRANSFER, ToCHECKINGXXXX - {$35000.00} XXXXNONTDATMDEBIT, ****- {$200.00} XXXXNONTDATMFEE. *** - {$3.00} XXXXDEBITCARDPURCHASE, - {$35.00} XXXX, XXXX XXXX XXXXDEBITCARDPURCHASE, - {$37.00} XXXXDEBITPOS, - {$100.00} XXXXDEBITCARDPURCHASE, - {$14.00} 02/25DEBITCARDPURCHASE, - {$22.00} XXXXDEBITCARDPURCHASE, - {$22.00} Total : {$940.00} Purchased = {$110.00} still in account The daily account balance showed no negative activity during those dates : DAILY BALANCESUMMARY DATE XX/XX/XXXX {$180.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$340.00} XX/XX/XXXX {$210.00} Balance XX/XX/XXXX = {$210.00} Overdraft fee XX/XX/XXXX of - {$70.00} The fee was charged for transactions made after a {$500.00} deposit. There are more unscrupulous overdraft fees that I was charged for transactions I made after insuring the account had enough funds and that any recent deposits had already appeared on my account. I couldnt have used my card without proper funds. They calculated the debits of the day not in the order received, but always to an advantage of causing a fee, which would show up as a surprise days later. I was charged {$1000.00} in overdraft fees for XX/XX/XXXX, account opened in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX was charged over {$170.00} in overdraft fees for 2-3 months. Help recovering this huge discrepancy is greatly appreciated.
Company Response:
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A