Date Received: 2019-11-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: To this date, TD bank has been able to accrue over {$600.00} in over draft fee 's. However, the explanations are confusing and don't make any sense. I have direct deposit and I make deposits but I still get fees.. The bank does not explain how this system really works. I get answer 's such as " Maybe sometimes ..It 's supposed to. '' or " Depends on what they do in the back '' or " You pay us to use our money ''. My initial understanding was that if you overdraw your account and put money in the account by the end of the business day, you will not be charged. I am always charged. The app is misleading because it does NOT give you your balances in real time as they say it does. The ATM machine directly outside the bank does not give you cut off times for deposits. My direct deposit comes in and I get fee 's for that day as well.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TD Bank will not remove this false information from my credit report.
Company Response:
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called on XX/XX/XXXX and made a payment I called on XX/XX/XXXX and XXXX to fix this issue. I need Target to remove that late fee off my credit and correct my account.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I paid my target credit card bill in full on XX/XX/2019. The payment posted to my account and funds were extracted on XXXX XXXX from my checking account. I tried using the card and was told I dont have available credit. I called target and was told I need to do a conference call with my bank to verify the payment was made from my checking account. I explained to the consumer servicer rep I have made many payments prior and never had this issue. They are failing to address the issue when the funds have been extracted from my account.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 3 ) On XX/XX/XXXX, I first became aware of fraudulent activity on a TD Bank Checking Account Numbered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 4 ) On the same date, I promptly contacted the TD Bank Fraud Department via telephone to alert them to the irregularities and advised that the card associated with the account was either lost or stolen. I further asked that they take immediate steps to disable the Debit Card associated with the account. 5 ) As instructed by the TD Fraud Department, I filed a fraud complaint and an Affidavit of Fraud with the TD Bank Branch # XXXX, located at XXXX XXXX XXXX XXXX., XXXX, NJ XXXX 6 ) TD Bank employees provided me with a copy of a TD Bank check number XXXX and bearing account number XXXX that was deposited on XX/XX/XXXX to the account via a TD Bank ATM from a location in XXXX. 7 ) TD Bank Check identified in paragraph 6 shows that it was made payable to someone named XXXX XXXX in the amount of {$100.00}. Check was unsigned and did not bear any endorsement on the reverse side. 8 ) TD Bank Check identified in paragraph 6 was keyed into the ATM for {$150.00}, despite the front of the instrument stating in numbers and text only {$100.00}. 9 ) TD Bank employees also provided me with a printout that shows a series of unauthorized and fraudulent activities beginning on XX/XX/XXXX. 10 ) TD Bank employees taking the original report and Affidavit of Fraud on XX/XX/XXXX, failed to advise me to file a police report in the present matter. 11 ) On or about XX/XX/XXXX, I received a letter dated XX/XX/XXXX containing copies of two checks ( numbered XXXX and XXXX ) that were deposited to the account on XX/XX/XXXX, from an account in the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. from account number XXXX from XXXX XXXX. Check numbered XXXX bore the date of XXXX in the amount of {$100.00} and payable to XXXX XXXX, the same party identified in paragraph 7 above. Check XXXX, drawn on the same account, and dated XXXX was in the amount of {$200.00} and payable to XXXX XXXX. Neither check was signed on the face or endorsed on the back. Both checks were deposited to my TD account via the same TD ATM located in XXXX, MA. 12 ) All transactions commencing on XX/XX/XXXX and thereafter are the direct result of fraud and consistent with a Cash-Out scheme pursuant to 18 USC 1029 ( a ) ( 1 ), et.seq. 13 ) Transaction identified on the report provided by TD Bank employees on XX/XX/XXXX indicates a deposit to the TD Bank ATM ( XXXX ) in the amount of {$54.00} from the account of XXXX XXXX and XXXX XXXX, the instrument bearing check number XXXX and payable to what appears to be the XXXX XXXX, from account number XXXX at XXXX XXXX shows clear signs of being altered and adulterated. Check had an original date of XX/XX/XXXX. Check has no deposit endorsement on reverse side. Appears to be either a stolen instrument or fictitious instrument. 14 ) Review of the TD Bank transaction logs show evidence of the party or parties engaged in the unlawful activities inquired about available balances before making further unauthorized withdrawals. 15 ) All fictitious instruments were deposited to my account with the intent to defraud the bank and with the exception of the item identified in paragraph 13, appear to be written by the same person. 16 ) Further, upon information and belief obtained through an internet search of the name XXXX or XXXX XXXX in XXXX, MA., The following name appears on the XXXX , Massachusetts Police Department Published Log for XX/XX/XXXX : Refer To Arrest : XXXX XX/XX/XXXX, XXXX XXXX. , XXXX XXXX XXXX. , XXXX , MA . XXXX XXXX Police Department, XXXX Outside XXXX Police Department, Drug, Possess Class A. 17 ) Party identified in paragraph 14, XXXX XXXX XXXX, shows the same legal address as the account holder on the checks identified in paragraph 11 of this Affidavit. 18 ) Internet research indicates that XXXX XXXX XXXX is a relative of XXXX XXXX, the account holder of the two checks from XXXX Bank numbered XXXX and XXXX and identified in paragraph 11 herein were deposited to the account and returned for insufficient. 19 ) TD Bank failed to take reasonable precautions to ensure against the activities described above and are attempting to collect the stolen funds from me. TD Bank has denied the claim and has begun aggressive actions to collect stolen funds from me, despite claim being refiled with additional information. 20 ) All supporting documents and affidavits relative to this matter have been filed in accordance with the requirements of TD Bank Corp. 21 ) TD Bank Corp., continues to attempt collection despite the complaint and claim still being investigated. TD Bank Corp. Collections department supervisor, XXXX XXXX, confirmed in a telephone conversation on XX/XX/XXXX that all collection efforts would cease. 22 ) TD Bank Corp., has through their actions violated the FDCPA.
Company Response:
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was an authorized user on my mother 's credit card account with TDBank. In XX/XX/2019, there was a balance of {$1.00} that was past due. My mom promptly paid off the balance and closed the account with TDBank ( she felt that it was very unfair that her account almost went into collection because of a {$1.00} - likely a rounding error when she made payments on her account. ) She ( and I ) have always paid off our balances every month before, during and after this incident.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Td auto finance they know i only get social security and va on the car loan. I couldn't afford to pay it due to my husband 's passing they hired a lawyer to harress and said they would sue me. Got XXXX. XXXX XXXX XXXX i tired to be polite but novue was mean. I have done all they ask to show my low income but they still state they will sue me. I can not afford a lawyer have no car i turned it in when i can not afford it. They are bullies.
Company Response:
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
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 canceled a card number with last 4 digits of XXXX in XX/XX/XXXX. As of last week ( XX/XX/XXXX ), a bunch of fraudulent charges are coming through on the old card number and appearing in my current account. This should theoretically be impossible in the credit card industry as canceled card numbers should not accept new charges. I have informed TD Bank of this issue and they were perplexed about it and unable to stop fraudulent charges from coming through, even though they agree that the old number should be invalid. This indicates a larger concern about improper or broken credit card controls on TD Bank. This is related to the XXXX XXXX XX/XX/XXXX XXXX issued by TD Bank.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On or around XX/XX/2019 I received a statement that showed 5 different APRs on my statement and a fraudulent charge. At this time I disputed the information in its entirety in accordance with the Fair Credit Billing Act ( FCBA ) in which I asked for a request for clarification of charges and APR as I believe the bill to be inaccurate. Please Note that this dispute was done in writing to TD Bank, XXXX. XXXX XXXX, XXXX, GA XXXX in accordance with Page 2 of the Statement with the account information, dollar amount, and a description of the problem. In addition this was down over the phone to XXXX as specified in page 2 of the consumer statement. During this time Page 2 specifically states " while we ( TD bank ) investigate whether or not there has been an error, the following are true : We can not try to collect the amount in question, or report you as delinquent on that amount ''. Despite TD Banks own written statements and contract they have continue to attempt to collect the amount in question and have reported me to the credit report agency as delinquent. As of the date of this complaint I still have not been updated in writing to the status of the investigation or whether or not there has been an error. Due to the amount that was disputed being reported in violation of the credit card agreement and Fair Credit Billing Act ( FCBA ) which states that a consumer " may withhold payment on a disputed during the investigation '' in addition the FCBA also states that " the creditor may not ... report you as delinquent ''. After TD Bank violation the card agreement and the FCBA the consumer reported the issues the the credit bureau and TD Bank once again report this a consumer as delinquent again a violation of the credit card agreement and federal law. Throughout this process TD bank has not conformed to the Credit CARD Act by actively attempting to shield transparency from the consumer. In addition TD Bank has not conformed the their credit card agreement pacifically section 9B " How to dispute reports regarding your account '' which states that they will notify the consumer of the results " within 30 days ''.
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Nordstrom offered A {$60.00} CREDIT IF YOU WERE APPROVED, I WAS AND CHARGED SOMETHING ON THAT APPROVED CARD THE DAY YOU WERE APPROVED. I SPOKE TO XXXX FROM TDBANK AFTER TRYING TO DO THE EXACT OFFER ON A XXXX XXXX {$140.00} XXXX XXXX AND SHE SAID THAT I WAS NOT APPROVED BECAUSE 2 PEOPLE WERE USING MY SS NUMBER, I SAID LIKELY MY MARRIED NAME, XXXX AGREED BUT STILL DENIED THE OFFER OF {$60.00} CREDIT ON ORDER I HAVE XXXX XXXX. NO ONE ELSE IS USING MY SS #. XXXX LIED TO ME TO NOT GIVE ME THE {$60.00} CREDIT
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A