Date Received: 2023-09-09
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 credit card had 3 unauthorized transactions from XXXX ( Total amount around {$130.00} ). Those transactions were posted to my account on XXXX I reported to the card company but the company declined my claim. The company said it could not determine those transactions were fraudulent. My card number is XXXX. Please see attachment for the detail of those 3 unauthorized transactions with XXXX
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I will attach my complaint. We ( my wife and I ) purchased a couch from Raymour & Flanagan in XXXX XXXX. We took the credit application for the furniture. We provided up to date contact information on that credit app. We had only a copy of the app and awaited a payment/bill within 60 days. XXXX months have passed. We contacted XXXX twice in XXXX and XXXX to ask where our bill was. We were told the TD is processing the paperwork or they may have lost our application. Finally, we found out in XXXX that we were late on payments and our credit rating was downgraded. We contacted TD, despite many calls and found out that RaymouXXXX provided TD with contact data that was over XXXX XXXX XXXX. Neither the address nor the telephone was correct. Our credit rating caused us to get a high interest rate on a vehicle loan. We have never missed a payment on any credit we took out. It is completely out of character for us and would like our credit history erased by TD. It was clearly NOT our fault.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I received a letter dated XX/XX/XXXX delivered by XXXX from the TD Bank Demarketing Department stating that after review, my account would be closed effective XX/XX/XXXX. The letter listed my full account number and said I could go to a bank location prior to that date and close the account myself and receive a check for the balance. It the letter said if I were to take no action, my account would be closed on XX/XX/XXXX and I would be mailed a check for the funds. There was also a number listed saying if I had any questions or concerns, I could call that number. I logged onto my online banking account and nothing seemed out of the ordinary, and I attempted to verify that the phone number was legitimately affiliated with TD Bank. I searched the internet and could not find anywhere that listed the number as an authentic TD Bank number. I called the number and it was an automated message for a voicemail box saying to leave my name, reference number and a call back number and that a TD advisor would call back within 24-48 hours. This seemed like a red flag to me as I couldnt verify the authenticity and did not want to open myself up to any potential scams. I then called TD customer service from a verified number within the TD Bank mobile app, and explained my situation. I read them the letter and was by the service rep that my account had no notations of pending closure and that hed never heard of a letter like that before. I expressed that I was concerned with my entire account number being listed on the letter, and he placed me on hold to contact the fraud department. When he came back on the line he said that the fraud department recommends I take the letter to a TD Bank branch for them to evaluate and determine if there is any cause for concern of my account being compromised. I took their advice and visited the branch with the letter the same day. I presented the letter and explained what the rep had told me on the phone. All 3 employees working were baffled by the letter and stated theyd never seen anything like it. The woman I was directly dealing with said she would scan the letter to email to her manager. She also dialed the number listed on the letter and both her and another employee remarked that it sounded sketchy. They said there was nothing notated on my account about a closure. She continued to email with the manager back and forth and, what she referred to as, bump it up when the manager didnt have any answers. I waited for over an hour before saying I had to leave to pick up my son from school, but asked to leave my number and receive a call back if she was able to get any more information. I never received a call. Then, this morning, XX/XX/XXXX, I attempted to make a payment using XXXX, which was declined. Naturally my first thought was the letter, so I again contacted TD customer service. I explained the situation to the rep in detail of what had happened up until that point. She reassured me that my account was safe and not at risk of being closed, saying there were no notations aside from an old one in XXXX. She also said she was not familiar with any such letter and it sounded illegitimate. I felt uneasy and asked if she was sure she would be able to determine if theres any issues with my account, and that I was still concerned about potential account compromise due to my account number being listed. She said she would transfer me to the fraud department for them to assist with my concerns. I then explained, again, each detail of what had occurred to the rep in the fraud department. She was concerned but insisted that my account did not have any indication of closure. I explained that I was nervous if my account were facing closure, that I did not have time to wait for a check to come in the mail as I have several bills due within the next few days. I also asked this rep about the phone number, and asked if it were possible for her to look the number up in her system to see if it is a valid TD phone number. She said she could not find it anywhere in her system, but was understanding about my concern. She said that she would email the fraud closure department, and that although she wouldnt be able to call me back, she gave me the direct phone number for her department and suggested I call back in a few hours to see if there was a response. She also agreed in the meantime to restrict my account due to my concerns about compromise. I called back to the number she gave me at around XXXX, and again explained the entire situation to the rep. He pulled up my account and said that there was a notation added this morning at XXXX saying my account was scheduled to closed. I asked why the notation wasnt added as soon as the notice was sent to me. He stated that they first issue the notice to me, and give me 14 days before closing the account, and then send the notice to their departments. I explained that the letter I received did not give me 14 days, it was 10 days from the date of the letter to the date of the closure. I also explained that, had the notation been timely and/or the reps better informed on this process, or a better system to verify the validity of the phone number listed on the letter, I wouldve closed the account on Tuesday when Id gone to the branch. He didnt offer any resolution except to suggest I return to the branch to close my account and withdraw my funds, otherwise Id receive a check by mail. As soon as I got off the phone, I went back to the TD Branch and explained my situation in detail including that Id been there earlier in the week and promised and assured that my account was fine. I asked to close the account and withdraw the balance. The teller at the bank agreed and I gave him all requested documentation. He filled out a withdrawal slip which I signed. Then after a few minutes of typing, he informed me that he could not close my account or allow me to withdraw any of my money, as my account was restricted pending the closure. I referenced the letter which stated if I visited the branch Id be able to close the account and withdraw the funds. He said there was nothing he could do. Another teller stepped in and said that their hands are tied and said that in these situations they are able to email the fraud department and make a request for me to withdraw the money but that it usually takes several days. I explained that I am frustrated that Id just been there Tuesday and, again, had it been notated on my account or the employees better informed, I couldve initiated the process at that point. I also explained that I needed access to my money for bills and groceries and could not wait for a check. I asked if it were possible to call that department rather than email, and he said no. He said the best he could do was email and hope for a swift response. I accepted this, and he took my phone number and agreed to call me whether he heard back from that department or not by the close of business. He never called me. I am extremely frustrated by this entire situation. I did everything in my power to be cooperative, vigilant and proactive. I talked to multiple reps in multiple departments, in person and on the phone, over the course of multiple days. Everything I have learned of phishing and scams has said to never try to contact my banking institution with a number that can not be verified as authentic. I was promised and guaranteed and reassured over and over again that my account and money were safe. But for whatever reason, the customer facing employees did not have access to the information of my account closure until the day before the scheduled date. Even so, I did what I was instructed and arrived at the branch prior to that date, and was still refused access to my money. All of this being said, I have no understanding or knowledge of WHY my account is being closed, aside from that the bank reserves to close my account at anytime with no explanation. I do not participate in anything illegal or questionable. I do not make strange deposits or withdrawals. I use my account for typical spending, such as bill paying, shopping, gas, groceries, and things of this nature. I did have one occasion last year where my debit card number had been compromised and I noticed quickly with only small transactions having been made and called promptly called customer care who was able to reverse the fraudulent transactions and issue a new debit card to me. I have never written or attempted to cash a bad check. I am just a normal, low tier consumer bank customer that deals with middle class amounts of money. I am completely appalled that the bank can decide to just hold my money hostage from me and deny me my right to access it, even when they outline in the letter they send me that they will allow me to withdraw my funds. I do not have reserves of cash or other bank accounts. What was in that account was my only money. Now I can not buy groceries, or pay the mechanic when I pick up my car this weekend, and potentially unable to pay the bills that I have due on the XXXX and XXXX of this month if the check does not arrive in the mail by then. This seems like a vulgar violation of my rights and its disheartening to feel a complete lack of faith in the banking system.
Company Response:
State: ME
Zip: 04106
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I MADE A DEPOSIT INTO MY TD BUSINESS ACCOUNT ON XX/XX/2023 FOR {$100000.00} THEY PUT IT ON HOLD FOR 6 DAYS. AFTER THE 6 DAY I CALLED UP AND ASKED WHY I STILL HAVE NO ACCESS TO MY ACCOUNT. THE BANKER WHO OPENED MY ACCOUNT HAD NO CLUE WHY THIS WAS HAPPENING TO ME AS WELL. I THEN CALLED THE TD BANK CUSTOMER SERVICE REP AND THEY SAID THE SAME EXACT THING. " THEY HAVE NO IDEA ON WHATS GOING ON ''. AND THAT THE BACK OFFICE ARE THE ONES RESPONSIBLE FOR THIS. NOW THE BANK IS CLOSING MY ACCOUNT AND NOT LETTING ME KNOW WHAT IS HAPPENING WITH MY MONEY. IVE BEEN TO THE BANK MULTIPLE TIMES AND EVEN CALLED MULTIPLE TIMES. MY BUSINESS IS IN JEOPARDY OF CLOSING BECAUSE OF THIS. AT THIS POINT I FEEL I HAVE BEEN ROBBED OF MY MONEY.
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23 I received a call from someone stating that they are from XXXX XXXX and that my mother is four months behind on her electric bill and if the bill isn't paid then the electricity will be turned off. I ended up paying the bill for {$330.00} using XXXX through my checking account. I realized after the fact that it was a scam and called TD Bank right away and they had told me that they would investigate it and within 5 days they would call me back, which they never did. I ended up calling them and was told that there was nothing they could do because I willingly sent the person the money.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was opened through fraud. Company : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Amount : {$1700.00} I contacted this company as this account was opened fraudulently in XX/XX/2023. I did not authorize this account to be opened or the purchases made. I am not even sure what was purchased from this company.
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I fully paid my account I owed and then request to close my account because I got my identity stolen. They request police report which I gave them it and they accept it for a charge I didnt make. Then I started seeing all these phone payments I never made which I told them that ever since I open that account I have always paid through the app web payments never phone payments I asked them what were they charging me of XXXX for and they said for reverse phone payments I explain that it wasnt me who has been doing them and they were going to take it to dispute I received a letter saying I was still liable for those payments even though it wasnt me now they are adding interest which it has made it to XXXX now this has been going on for 9 months and they cant fix the issue.
Company Response:
State: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There was fraud on my account and the company is investigating it but said could take up to 3 months. Because of the fraud the company locked my account which is fine but I moved and changed my address, phone, and phone number and they are not allowing me back into my account to see the account status. They won't update my number or address in the system and said they will mail a letter to my old address and won't do anything about it. I went in person to prove my identity with my lease and license and they won't do anything. I had fraud regarding XXXX XXXX and XXXX and they gave me provisional credit which I still don't have access to for 3 months.
Company Response:
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: TD Bank closed my personal business account back in XX/XX/2021 because I had cashed business checks into the account and I didnt know this was allowed. It was closed without noticed and when I called I was told to get in contact with their demarketing department. I Left numerous XXXX with that department the first type months and did not get a call back. I finally visited a branch to see why TD closed my account. After a few days, the banker working with me was finally able to tell me it was because of the checks. He later told me that the funds would be released if I could prove the business was in fact mine. I wasnt able to provide the paper work right away. But I did eventually. Submitted my articles of corporation to TD to release the funds. I still havent heard back from their demarketing department and no banker at the branch is able to help me or get a hold of them either.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A