Date Received: 2019-10-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Late at night on XX/XX/XXXX in XXXX Maryland I lost my debit cards. TD Bank and XXXX XXXX. Once I got back to my college, probably 2 hours after losing my cards, I checked my wallet and saw they were missing. I immediately froze my XXXX XXXX card and checked and saw no fraudulent purchases or withdrawals. I then checked my TD account and saw XXXX dollars in withdrawals. The person withdrew my limit of XXXX on XXXX and then waited until after midnight to withdraw more money from the account. There are also several balance inquiries. I was charged a non-TD atm fee for all of this. I immediately called TD to freeze the card and wanted to dispute the transactions. I was told to wait until the transactions posted. That tuesday XXXX the withdrawals went through on my account and I immediately called to file the dispute. On Friday XX/XX/18 I called my bank as I received no notice and they told me the dispute was denied. They claimed there were no incorrect PIN enters and that was their reasoning. I have now filed a police report and will go down to the TD branch in XXXX to refile the dispute with the report attached. I told them I should be responsible for only XXXX dollars but they keep claiming it is on me and has cited ignorance as reasoning as well as going back to the PIN code, even though I believe it may have been obtained through shoulder surfing, as I did make an ATM withdrawal with my XXXX XXXX card and that has the same PIN as my TD card.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have TD bank, my soon to be ex emptied my account many times over.Her and I went in to TD Bank and I got her off my account. She apparently went back in later in the week and got her own account with a overdraft on my account without me knowing or my permission.She was taking {$1000.00} a week and I kept asking TD bank about it but they said they could not tell me where my money is because I am not on whoever 's account it is.I said close it but they said the other person who has that account has to. She stole $ XXXX {$60000.00} from me and TD did nothing for me. I need help bad, thank you and have a great day. XXXX XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied and received an auto loan through Td Bank/Td Auto Finance LLC on XXXX XXXX 2019. The purchasing dealer was XXXX in XXXX florida. I maintained/maintain a perfect payment history, never late, and always fully insured. On XX/XX/XXXX, 5 days after accepting another on time payment, Td auto finance deciding to charge off account and report to my credit to all 3 bureaus. No correspondence by email or letters, no calls no nothing. I only found out because I monitor my credit so closely. So I immediately contacted the loan dept, and they cant answer any of my questions, they transfer to me to their collection dept, where they are completely rude and refuse to correct any of the info. They claim they sent out 1 letter in XXXX by XXXX, but cant supply the tracking number.Now they have sent a letter demanding me give them Authorization to contact the Social security administration, but they word the letter as if its my request.the letter goes as follows- " We're committed to keeping you informed and responding to your banking needs. Today, we're writing to send you a Social Security Administration Form. Please complete this form and return it to TD Auto Finance LLC ATTN : operational Fraud management XXXX XXXX XXXX. XXXX XXXX, MI XXXX. Please respond to this request within the next 10 business days, or we will close YOUR request ''. I Never requested anything. The Letter is coming from a XXXX XXXX from a completely different address which is XXXX XXXX XXXX XXXX XXXX, Florida XXXX. My credit is being negatively affected by an account that still is accepting payments on time, and had no legitimate reason to charge off an account in perfect standing. I was never notified of any issue, nor was i notified before the company reported to my credit as per the fair credit reporting act. The company is now reporting as a delinquent account. It hasn't been late or delinquent till this day. By Law i am not obligated to authorize anyone or any entity to access the SSA on my behalf. Even if i were too, the company has already charged off my account as a bad debt. XXXX even says " charge-off/Never LATE ''. XXXX XXXX at Td auto Finance refused to be recorded when I asked if i could. she disconnected the phone call. they would not speak to me any longer in fear that i would record the conversation. When i stated i will not record she said i do not believe you and hung up. After this conversation they then reported it as a delinquent account the very next day and then proceeded to send a fair credit reporting act letter stating that they must disclose that they will be reporting to my credit before doing so.I received this letter 17 days after they had already charged off account and reported to my credit. I Need Help.This can not be legal.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have not received any statements from the company, and I called to inform them and there were 2 late fees on the account, they refused to credit both fees even though I have not received any bills, I signed up for online services today and paid today and they only credited 1 fee as a curtesy even though I have never received a statement
Company Response:
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I paid the balance in full and the company is reporting it late and over the credit limit and yet the account is CLOSED. This is a violation of my rights to privacy and fair reporting of correct information. My limit is XXXX and I paid that amount and yet the reporting reflects 1, late and 2 over the limit
Company Response:
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I opened a account with Td to take advantage of checking bonus of XXXX. I did NOT go to a third party website and didnt click on any offer. I went to the td website. I selected the Convenience checking account to earn XXXX. The offer was on the website. If it wasnt I would have never open the account. I've called to verify this after opening the account in XXXX which can be verified by my call log. Then I called today the supervisor says I might of went to a third party website which completely false. I bookmarked the offer page from the td website and so to say there was no offer is misleading and is simply false advertising and bad customer service. I have attached my phone records showing the calls that took place and want this escalated immediately when I've made sure to do everything correctly. This is deceptive business practice This was the website I orginally went too on XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Sir/Madam, I mailed a TD Bank check for the workmen com insurance at the date of XX/XX/2019 the amount was {$1300.00} and they altered the amount to {$3300.00} and the payee on check has been altered from XXXX XXXX comp to XXXX XXXX. Check was written from my Business account name : XXXX XXXX XXXX. Check # XXXX Customer Number:XXXX. I immediately report to the bank. Bank told me it takes 100 working days. Now almost 8 months they can't give me any answer. and they did not want to give any credit for it. It is totally Bank fault because anybody see the photocopy of the check, overwriting is clear and Workmen com insurance number is on the check they did not white out.In my knowledge some bank worker may be involve with it otherwise how some one can cash this type of check. Please help me out as soon as possible. Thanks.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
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: I bought items ( Total {$2000.00} [ {$1600.00} loan, {$400.00} deposit ] ) approximately a year ago ( XX/XX/2018 ) at a furniture store and applied for a credit card and was approved. During the process of delivery, the product was delayed and took approximately 2 months and was only a partial delivery ( {$1600.00} items delivered, {$400.00} item not delivered ). After almost 3 months of waiting, I bought furniture else which was needed and said I would not accept delivery since it was beyond the 2 months of waiting which was promised and I needed the furniture at this point was exhausted from the constant delays. The furniture store said they would not issue the credit/refund for the unshipped/undelivered item. I filed a dispute with the credit card it was too late to deliver at this point and I made other furniture arrangements. The dispute was closed very quickly, stating the furniture store issued me the credit for the item which was not delivered ( which is not true ). The bank is charging me for items that were never delivered despite it almost having been a year and accruing late fee 's as a result of it. The bank is unwilling to correct the amount owed for the items actually delivered, and is constantly calling me everyday and negatively impacting my otherwise stellar credit. The way the bank resolves the dispute in favor of the seller in the favor of the seller without any due diligence or investigation or validating any of the sellers false claims is completely unfair and prolonging payment process. I have no issues paying the correct amount balance and fees for the furniture that were actually delivered, but the bank agents that call regarding this matter are either unwilling or unable to help in this matter.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX ( according to the claim form, which is the wrong time ) the atm in the lobby of the TD Bank Branch located at XXXX XXXX XXXX, XXXX NY XXXX, robbed me of {$1000.00}. On XX/XX/XXXX, I arrived at the branch location sometime around XXXX XXXX. I held the door for a middle aged woman, who went to use the atm. I scanned the lobby, saw a line and waited for the woman to finish using the atm. I only point this out so the cameras can find the actual time. After the woman finished using the atm, I deposited {$1000.00} in " blue '' hundred dollar bills into the machine. The machine stated verifying cash, and appeared to be taking excessively long. After several minutes it displayed some form of error message. Neither the money, nor my atm/debit card was returned. I then told a male patron who was going to use the atm machine to not use it. I went over to the desk of XXXX XXXX, the assistant vice president/ store manager, and informed him of what had happened. We went over to the machine where he pressed cancel and a few other buttons, until presumably resetting the machine. I was informed that a claim needed to be filed and I would have the money in my accountant by the end of the day, or the next latest. When I asked about why they can't open the machine, I learned it is from an outside company ( not TD Bank ), and that at the end of the day the money is counted and they will realize there is {$1000.00} extra. I also expressed my concern ( several times throughout the process ) that the atm should be off. Not only was there the possibility of my {$1000.00} being distributed to someone else, but other people could also be robbed by the atm as it clearly malfunctioned. I was directed to another employee XXXX XXXX, a customer service representative, who had to ask XXXX repetitively on how to file the claim, as well as being extremely uniformed on the situation. After between 10-30 minutes ( I left my phone in the car thinking i'd just walk in and out ) I was given a claim form, a new debit card, and informed by XXXX to call the phone number on the back of my TD bank atm/debit card, as that number belongs to atm service company. After leaving the branch I called the number on the back of the atm/debit card which is XXXX ( i'd later learn this is the general td help number, not the atm service number. ) The obnoxious automated system and inability to get through to a real person after being robbed by TD bank, caused extreme panic and anxiety to overwhelm me. Before this point I had remained very calm and reasonable. As the TD Bank automated system spout nonsense at me, I heard about a {$2200.00} deposit and paniced more thinking that I had likely deposited {$1100.00} and the machine double counted. It took over 18 minutes of phone time to reach a representative. During this time the mental anguish of already having been robbed by TD Bank, followed by their obnoxious automated system and music had me not thinking clearly, and became concerned that maybe I had just been robbed of {$2200.00}. The original phone representative was named either XXXX or XXXX ( I didn't ask for spelling and no last name was given ), and informed me that the number I called was not the service number. After frantically explaining the scenario I was transferred to a supervisor after roughly 29 minutes of phone time. The supervisor 's name was XXXX ( didn't ask for spelling, no last provided, even though I did ask for her name twice thinking she would inform me of it. ) I basically informed XXXX that I wanted it down that I was unsure of the amount and believed it to be {$1000.00}, thought it was reasonable it was {$1100.00}, and that it was highly unlikely that the amount was {$2200.00}, but to note the automated system told me of a pending {$2200.00} deposit. I also wanted her to note how the branch never turned off the atm machine, and continued to let customers use it. By the time I was off the phone I was physically shaking from anxiety and my heart rate was extremely elevated. After I calmed down and got access to check my online TD bank account, I saw no pending deposits. There was a deposit for {$2200.00} from XX/XX/XXXX that was made at the teller of a different branch. That cleared up the dollar amount, although I don't see how that deposit was pending. On XX/XX/XXXX I logged in my TD bank account and did not see my {$1000.00}, or a pending deposit. I called the TD help line and was informed that it would take 10 business days to get the money in my account. I explained how this was unacceptable and I was told by XXXX that I would have my money today at the latest. After the representative spoke to her supervisor I was told I'd have my money in 3-5 business days. How TD bank processing time changed in a few minutes over the phone clearly illustrates they are just making stuff up. I asked for the atm service company 's number and was informed that they can not provide the number of an outside vendor. Apparently TD can fraudulently pretend to operate atm machines in their branches without informing their clients who is actually handling their money. I also would like to illustrate that on XX/XX/XXXX I was charged an overdraft fee of {$35.00}, which was entirely my fault as I clicked on the wrong linked account for an ach transfer ; however TD bank charged me a {$15.00} maintenance fee on XX/XX/XXXX as well, despite, not falling below the minimum balance, once the overdraft fee was corrected. I did not call or complain to dispute the maintenance fee, and figured i'd point out the usual manner they rob customers, not the blatant new way they are now. TD Bank clearly violated their fiduciary role and I hope CFPB is able to force them to make changes so this never happens again. For starters I never knew that an outside company services atm 's in branch locations. The fact that I as a customer am not informed or provided with information about who is handling my money is extremely misleading. I would never use any of these machines had I known that a random vendor was operating them. The machines are presented as teller alternatives, not typical atm machines. Then there is the much more significant issue of how I was robbed by a TD Bank atm machine, in a TD bank! The machine should have been open and audited the second I informed the store manager. TD Bank further shows no concern for their customers by causing them extreme mental anguish. There is also the issue of how TD Bank 's policy for a customer robbing atm machine is to turn the thing back on? We all know if I'd have lost my temper in the branch, or attempted to physically pry open the cash deposit I'd be federal prison right now, yet TD Bank can rob consumers of their money, or even worse have their anonymous atm vendor rob their customers. I'm sure I'll never see the funds ( already to late for what I needed them for anyways, costing me more money ) and I hope the CFPB can do anything, or direct me to the appropriate authorities to make sure TD bank can not abuse its power.
Company Response:
State: NY
Zip: 11787
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: UNKNOWN INQUIRES MADE ON MY CREDIT REPORT, I CONTACTED THE COMPANY AND THEY ARE NOT WILLING TO REMOVE THE INQUIRES.
Company Response:
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A