Date Received: 2020-01-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My wallet, debit card, drivers license, and social security card was stolen on the XX/XX/XXXX. Also I as out of the country on a XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. During that time I was not able to use XXXX XXXX to send money from the XXXX, so i authorized my son to do a few transactions for me up until XX/XX/XXXX. I was in The XXXX during the month of XX/XX/XXXX and XX/XX/XXXX as well. The TD bank Manager XXXX of XXXX XXXX, Florida, can attest to this. I had to call him twice from overseas to unblock my debit card. Between XX/XX/XXXX up to XX/XX/XXXX, multiple XXXX XXXX transactions was stolen from my bank account. I gave no one permission to take any money from my account, and the bank keeps denying my claim, stating that all Three debit cards were used to obtain the funds. I contacted XXXX XXXX, and they state only one debit card number was used in this fraudulent action. The bank is stating differently. Also, On XX/XX/XXXX, I reported my debit card stolen once i was in the states. The bank once again are stating regular spending patterns, but this is not the case at all.In all I am owed XXXX. I feel the bank is trying not to pay me due to the large amount. Please help me to recover my stolen funds. I have made 2 claims with TD bank, but they refuse to help me XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A letter was received from a collection agency called XXXX XXXX , XXXX on XX/XX/2020. An outstanding debt is indicated for Raymour & Flanigan. Credit has never been requested or taken for this company, we understand it is identity theft.
Company Response:
State: PR
Zip: 00783
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: TD Bank NA ( XXXX XXXX Visa credit card ) debited my XXXX XXXX checking ( XXXX ) account {$7000.00} for the auto pay on XX/XX/2020 when my statement balance was XXXX ( I had previously paid it online to ensure I wouldn't go above my credit limit ). My XXXX account went negative as a result and I was assessed a {$35.00} overdraft fee which TD Bank NA refused to pay. They also refused to electronically reverse the auto pay by crediting my XXXX account for that amount which had already been paid. I complained about this to phone supervisor XXXX ( ID=XXXX ) who refused to credit my XXXX XXXX card for the {$35.00} overdraft fee OR to reverse the {$7000.00} autopay by crediting my XXXX account for that amount Copy/paste from credit card website : If we do not complete a transfer you authorize on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages to the extent required by federal law. For Automatic Payments, your periodic statement serves as your notice of the amount to be debited, which will be your Minimum Payment Due or New Balance. http : //docs.tdcardservices.com/pdfs/online_servicing_agreement.pdf
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a car loan with TD Bank that was paid in full in 2010. TD Bank has the car loan listed as a Credit Card which I did NOT ever have with them. I have only had a car loan which was paid in full and closed in 2010. This is a closed account that has been paid in full continues to pop up and is renewed on my credit report. It needs to be gone
Company Response:
State: FL
Zip: 33813
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My bank moves my charges around to charge excessive fees. Many times they will move pending charges and keep only the smaller fees pending to charge multiple fees. Also company allowing unauthorized debit of XXXX. And it caused many fees. They will lot reimburse these fees even though its determined to be unauthorized. The fees are very excessive totaling over XXXX in the last few months
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 for 30 days late? 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. I was never late!
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XXXX and XXXX XXXX had several accounts, including an individual for XXXX and 1 joint with XXXX and XXXX, at TD Bank. They were opened at XXXX XXXX XXXX in XXXX XXXX, NY XXXX. The manager who is aware of the below is XXXX, XXXX. On or about XX/XX/2020, XXXX XXXX received notice that his checking account " was hacked '' and that it was closed. No further info was provided. ( All properly written checks were bounced, incurring fees. ) XXXX was instructed to come into the branch and open a new account, which he did. Within a week, on or about XX/XX/2020, XXXX XXXX received written notice that the new account, not 7 days old, had funds withdrawn on it in a TD branch XXXX XXXX, Florida. A person, using XXXX XXXX NEW bank account number and SSN, deposited a bad check for {$3000.00} one day, and the next morning withdrew {$2200.00} using a teller check with the new acct numbers and XXXX XXXX SSN. Despite the signature not looking anything like XXXX XXXX ( as noted by XXXX, bank manager in New York ), the funds were paid. That account was closed, and properly written checks were bounced, incurring fees. A 3rd account was opened, this time being password protected. The account has since been charged a low balance fee. On XX/XX/2020, XXXX XXXX receives a call at home in New York that another TD account that she never uses, but on which she is joint with XXXX and is used to pay a mortgage, was attempted to be drawn on at a TD branch in XXXX XXXX, Florida. The caller was XXXX, XXXX, the manager. Her teller had recognized the NYS ID presented as fake and not paid. Again, the perpetrator had the bank account number and XXXX XXXX SSN, in addition to fake ID. XXXX would not provide a copy of the fake ID. She claimed she would be calling the police. XXXX followed up with XXXX to get a copy of the ID and have him get the facts from XXXX, to see how the investigation from the XX/XX/XXXX fraud was proceeding, and to ask when the {$2200.00} would be re-deposited. XXXX advised that an investigator had not even been appointed, two weeks after the SECOND fraud, as " it was only a week and a half ago '' that he filed his paperwork.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: About 18 months ago I lost my income, and my mother 's XXXX illness was testing me and my families faith. I tried my best to keep up with the bills but ended up getting overwhelmed by them all. Before this period of time i was an excellent consumer with out not missing one payment. My credit score went from a XXXX to a XXXX in a span of a few months. This time period has made it extremely difficult for me to find work because many of the jobs in my field do background checks and credit reports/scores are important. Now life has put me in the tough position of trying to find a room to rent for a few hundred dollars and i can't get approved because how things ended with my creditor. After all those months of payments now it seems like my creditor is out to destroy what's left of my life. The most recent issue is a TD BANK calling my sick mother asking for me to pay for a debt i gave my all too and still ended up falling behind and closing 9 months ago.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I attempted to access my TD Bank checking account with {$1200.00} using my debit card at two separate financial institutions and the transaction was cancelled without explanation. I received a voicemail message to call the Fraud Toll Free No. XXXX and was advised that they could not assist by phone, that I had to call customer service, or send a secure message behind their secure web app. After calling customer service XXXX I was advised that no one could assist - I was locked out of their customer support 0 and I was directed to go into a branch. The nearest branch is 20 miles and not open beyond my core work hours XXXX. I have been limited access for no apparent reason to my resources and the financial institution has not provided an adequate explanation or support to enable me access to my funds.
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: An internal glitch in TD Bank 's online billpay system caused XXXX, a vendor used by TD Bank, to pay {$95.00} without being reimbursed by TD Bank. XXXX is attempting to recoup the money they lost through this glitch directly from me rather than from TD Bank. TD Bank is refusing to take responsibility for the error and wants me to communicate with their vendor. I did not authorize the payment in question. I do not have an account with XXXX or any previous contact with that company. They are a vendor for TD Bank.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A