Date Received: 2019-10-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: TD Bank has charged me a {$25.00} maintenance fee every monthly billing cycle since XX/XX/XXXX through XX/XX/XXXX. By my calculation this is {$300.00}. When I opened my account with XXXX XXXX ( which was acquired by TD Bank ), approximately 15 years ago there was no minimum balance requirement. I asked for the {$300.00} to be refunded, TD Bank replied that I needed to look at my account sign up agreement ( from 15 years ago ). They credited my account {$50.00}, so I am still missing {$250.00}. I believe TD Bank wrongly charged me low balance maintenance fees that were counter to my agreement with them. I would like the bank to refund the balance of the fees that they have charged.
Company Response:
State: MA
Zip: 02467
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased a used car from dealership with my own financing on XX/XX/19. Dealership cashed 2 different loans for the same car, resulting in my debt to income ratio been higher and showing multiple loans. Original purchase was {$25000.00} and dealership accepted twice the amount.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX TD Cases # XXXX # XXXX # XXXX Dear Sir : Attached you will find my documents for credit card transactions which I conducted with XXXX XXXX using stolen credit cards. The summary sheets show that XXXX XXXX gave me credit card information so that I could pay myself and the consultants for architectural work which was contracted by XXXX XXXX. TD Bank has back charged me a total of {$12000.00} for transactions on TD Account XXXX, that were done by XXXX XXXX using stolen credit cards. I had no knowledge of the stolen credit cards used by XXXX XXXX. The architectural project was a new house to be built at XXXX XXXX XXXX, XXXX, NJ XXXX. The summary of transactions shows the amount of money deposited to TD Act. XXXX and the amount of money paid to the consultants. The cards were charged using XXXX and the payments to the consultants were paid using XXXX. When the card used to pay {$4800.00} was discovered to be fraudulent all credit card payments ceased.
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Everytime I use my card on their app my purchase goes through but then they cancel my orders so frustrating call them and they dont care so I cant buy anything online anymore because they wont let me and refuse to fix this issue and concerns my credit card goes through my red card but they wont allow me To place online orders they want me to go to a store then whats the point of having this card if you wont let me Shop online like everyone else not fair
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On or about XX/XX/2019, a payment I had made to my TD Cash Back Credit Card with account number ending in XXXX issued by TD Bank , N.A . ( the " TD Credit Card '' ) in the amount of {$7700.00} was posted on the TD Credit Card online statement. On or about XX/XX/2019, a payment I had made to my TD Credit Card in the amount of {$3000.00} was posted online. This was made as a result of an recurring automatic payment I had previously set up with my TD Credit Card. These two payments resulted in an credit balance on my TD Credit Card in the amount of {$3100.00}. On or about XX/XX/2019, I called TD Credit Card Customer Service at their helpline XXXX ( " TD Customer Service '' ). I had noticed that I had a recurring automatic payment. I spoke to an agent at TD Customer Service and asked that TD stop the automatic payment. The agent advised me that since the payment was already being processed, it would be too late to cancel the payment. The agent advised me that TD would issue me a check to my mailing address on file with the credit balance of {$3100.00} ( the " Check '' ). On or about XX/XX/2019, I called TD Customer Service. I asked about the status of the Check. An agent advised me that it was the bank 's policy to wait 5 to 10 business days for my payment to be processed before the Check would be issued and mailed. On or about XX/XX/2019, I called about the same. An agent at TD Customer Service advised me of the same. On or about XX/XX/2019, I called about the same. An agent at TD Customer Service advised me that the Check was issued and in the mail. On or about XX/XX/2019, TD posted a " CREDIT BALANCE REFUND '' in the amount of {$3100.00} to my TD Credit Card, which I noticed when I accessed my online TD Credit Card statement through the online web portal. On or about XX/XX/2019, I called TD Customer Service and inquired about the status of the Check. An agent at TD Customer Service advised me that the Check was in the mail and that I would receive it shortly. On or about XX/XX/2019, I called about the same. An agent at TD Customer Service advised me that the Check should have already arrived. I informed the agent that the Check never arrived. The agent said that they would put a stop payment on the first Check and reissue a second check ( the " Second Check '' ) which they would again mail to the same mailing address that they had on file. I agreed to this. On or about XX/XX/2019, I called about the same. An agent at TD Customer Service advised me that the Second Check was in the mail. On or about XX/XX/2019, I called about the same. An agent at XXXX Customer Service advised me of the same. I expressed frustration that neither the first Check or the Second Check have ever arrived. The agent checked with her supervisor and advised me that the Second Check was in the mail and that it would arrive shortly. They informed me that the delay was due to re-issuing the Second Check. On or about XX/XX/2019, I called about the same. An agent reviewed my file and transferred me to her supervisor. The supervisor advised me that there was a delay in issuing the check due to a delay in the back office. It was not clear whether the supervisor was referring to the first Check or the Second Check. I informed the supervisor that I was very frustrated that TD Bank has been promising me a check for two months now, without anything to show for it. I asked if the supervisor could call me when the check would be issued. The supervisor agreed to issue a callback to my phone number on file. The supervisor said it would take 2 to 3 business days for the back office to process the check. I informed the agent that I would be filing a complaint with the Consumer Financial Protection Bureau. The supervisor indicated they understood me. As of XX/XX/2019, I still have not received my credit balance of {$3100.00} after more than two months of many communications with TD Bank.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: The XXXX reports all CO and XXXX reports all OK? This is way back 2015, clearly this hasn't been investigated properly.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off my auto loan in XXXX, received my title in XXXX. My car was in an accident before paying off my loan. They have been holding my insurance money for 4 months and keep saying they are going to send it within 5 days but have not done so. Meanwhile my car is not being fixed. It is my money, I owe this company nothing, but yet they are not sending me my money. I have called numerous occasions and still they have not sent it. The company is TD Auto out of South Carolina and home office is in XXXX. It is not fair to a US citizen to go through these behaviors from a company outside of the US!
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Purchased car on XX/XX/2019 and was required to obtain financing with TD AUTO FINANCE. According to my XXXX Personal Credit Report, TD AUTO FINANCE performed an inquiry on my account on XX/XX/2019. Today, XX/XX/2019, I received notice from TD AUTO FINANCE my financing application was denied, as TB AUTO FINANCE was " unable to verify applicant information identity. '' TD AUTO FINANCE, however, was able to verify my identity in the above-referenced credit report and, in fact, the denial states TD AUTO FINANCE was able to verify my credit score on XX/XX/2019.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX of 2018, my TD Bank credit card was used to purchase over {$2000.00} worth of clothing and memorabilia. I contacted the bank to notify them of the fraud. After an investigation, they determined it was not. I asked what further steps I could take in order to get it resolved, an associate told me I would be sent some kind of merchant paper which I would have to sign and send back stating it was not me that made the purchase. I never received the form and through many calls, I was told it was sent out. I confirmed the address and everything else, the bank still did not help me resolve this issue. I asked for the investigation to be reopened, the bank did not do so. After checking online, ( XXXX XXXX XXXXXXXX ) I found that a person can only be liable for up to {$50.00} for fraudulent activity on their account. I notified the bank once again and was put on hold for hours without a response. Countless times, I have been bothered by the bank or their debt collectors but no one seems to care about the fraud that occurred on my account, they only care about the payment. I shouldn't have to pay when a bank is not able to keep my account secure. Especially when I have tried to resolve the issue so many times, I am being bothered and told that I need to pay or it will be given to the next department.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I went into a bank to open a checking account and after opening the checking account i inquired about a load. They recommend to me a sba microloan. I say down with the loan officer. The loan officer proceeded to fill out the application and ask me a few questions to complete the loan application. I had asked if a bankruptcy over 2 years old was an automatic denial they replied no. So i signed my name to it without reviewing what the officer entered. They said the application would be immediately submitted that day and I would have a response by XXXX the following day. Around XXXX the next day they called me and asked me to sign another spot on the loan of that was transmitted to me thru email. I did and emailed back to them that night. The next day and they said I was denied because of the bankruptcy verbally over the phone. I went to the SBA website to review conditions to qualify for a microloan and to my understanding discharged bankruptcy over 2 years was not grounds for disqualification and also saw than my fico score was within guidelines. The next day I went in with tax records and bank statements to submit and ask for reconsideration and offered collerterial to cover the difference of the SBA guarantee so that they would be secured 100 percent of the loan. I waited till an officer was available to plea my case and during that the branch manager introduced herself to me very loudly and said there is no reconsideration and our voices escalated to where everyone in the bank could hear. I was afraid that she may call the police on me so I exited the building. When i got into my vehicle she was standing outside watching me. I guess she had followed me. I called TD bank customer service to talk to a business account manager and explained what had just happened without naming names or branch location. He assured me that someone would contact me to hear my request for reconsideration. They never called back. I did get a call through from the manager who threw me out to apologize for her behavior. When I received the decline letter i was bankruptcy but after researching sba loans it is my understanding that the SBA also has to provide an adverse action letter as well which I never received. My complaint is I don't know if the application was filled out properly having the right information on it i signed. The behavior of the bank manager. The reason for adverse action that was not supplied to me from SBA and not being able to plea my reconsideration. The bank representative was bank manager XXXX at the XXXX XXXX XXXX XXXX XXXX SC XXXX
Company Response:
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A