Date Received: 2019-09-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TD Bank has my money on hold.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with TD bank and did an external transfer from my XXXX account to fund my TD bank account in the amount of {$4900.00}. I closed my XXXX account after the funds were collected. The funds were locked in my TD account and they stated I had to provide proof of ownership. I came to the branch and provided a bank statement and they said the funds would be available the following day. The funds were not available the next day. I went to the branch and TD informed me that they sent the funds back to XXXX. I contacted XXXX and they informed me that they cant receive funds back to a closed account and that the money would be returned to TD. I waited two days because I know from doing external transfers it takes about 3 days for the funds to settle in an account. I called TD over the phone and spoke to a supervisor who started a trace on the funds and provided me a case number of XXXX. She advised me the case would take 3-5 business days and I could call back or go in the branch. After 5 business days I called back and they advised me that they located the money but I would have to go to the branch because they needed to send an email to deposit operations to redirect the money to my account. I went to the branch and spoke with XXXX XXXX who sent an email to deposit operations. She advised me the money would be in my account in three business days. The money was not in my account in three business days. I sent this transfer on XX/XX/2019 todays date XX/XX/2019 and the money is still not in my account.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: On or about, XXXX XX/XX/19, I received a letter with a cashier 's check in the amount of {$2900.00} made payable to myself from XXXX XXXX XXXX XXXX XXXX. I confirmed receipt of this check via text to number XXXX. Prior to receiving this cashier 's check, I received another text from someone named XXXX XXXX cell number XXXX. This 305 text indicated the following : " Hello, the envelope containing your first task will be delivered to your house today/tomorrow vis USPS regular mail. Please send a text message to XXXX when you receipt of the envelope. XXXX XXXX ''. I currently do work part time as a mystery personal shopper so I thought this was another XXXX that I applied to in the past. Upon receipt of the cashier 's check, I deposited it in my TD Bank in XXXX XXXX NJ on XX/XX/19. As per the bank, the cashier 's check cleared XX/XX/19. I informed contact XXXX via text that the check had cleared as per their instructions and I was assigned a task. I made sure with 100 % certainty that this cleared before proceeding further. I was assigned to buy 2 {$1300.00} XXXX gift cards. I did that on Friday XX/XX/19. I then was instructed to purchase a money order for {$20.00} and a cashier 's check for {$20.00}. The first made payable to XXXX XXXX and the latter XXXX XXXX XXXX Today XX/XX/19, TD Bank informed me that this cashier 's check bounced and that I am responsible for the funds of {$2900.00}. I relied upon TD Bank 's complete disclosure that this check cleared on XX/XX/19 ; otherwise, I would have never proceeded with these purchases. Today XX/XX/19, a TD representative told me that the routing number looked wrong but they deposited it anyway. TD Bank represents themselves as a leader in banking and me, I'm a consumer. I relied upon their experience and expertise in this industry to protect me the consumer from fraudulent activity. They did not. TD should have never cleared this check on XX/XX/19 without confirming the validity of the check. They do this every day and should be held accountable to a higher standard of care. They now are claiming that it is not their fault and that I have to take the hit on these funds. Yet, if my credit card was hit by fraud, TD would cover it. It's the same thing. We as consumers rely on banking to protect us. I want my money back in the amount of {$2900.00}.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is compliant is being file against TD bank N.A.. the dispute case ID # XXXX bank name is TD BANK NA. ABA XXXX ACOUNT XXXX. this report is being put out by early warning service XXXX XXXX XXXX AZ XXXX this inaccuracy that being file against me. I have contact the TD, bank recover division there is no neg information are my account they could not find any. I have ask this bank about me and my bank account. i talk a recover office at td bank to day and he stated that the account is in good standing with TD bank go back 20 year ago. a research was conduct. that official could not find any neg information about this account there is no money old to the bank for overdraw status. he also stated that he could not see anything neg about my credit card or personal check and with no abuse TD, bank needed to correct this bad information. I have contact XXXX XXXX XXXX XXXX and TD bank NA. both today.
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2019 - I'm an XXXX veteran with a service connected XXXX. I made a XXXX tip after paying for the XXXX while in XXXX CO. The card and account was locked due to the XXXX transaction. Contacted the TD Bank, XXXX, NC and the customer service department number on line regarding the error in locking the account. Verified all my information. My account was opened in XXXX or XXXX and the telephone number and email addresses have changed since the account opening. They indicated they could only text the new passcode to my old number ( which I no longer have the phone ) or I had to physically go to a TD Bank. The closest TD Bank from my new location ( XXXX XXXX, SD ) is 24 hour drive one way to NC. I do not have funds since they locked my account to drive, feed my family or pay my bills. This is causing extreme hardship, anxiety and stress. After explaining to supervisors of the call center and local bank they still insisted I had to physically go to TD Bank and there weren't any options to mail me a form to update and get a new passcode to access my account or have it unlocked. XX/XX/2019 - Again contacted the consumer contact number and the local bank to again try and explain the situation and the locked account. They indicated they verified who I was ; however, since the telephone number was no longer a valid number I would not have an option to receive a passcode. They indicated they could not email a form, accept verification from another Bank of my identification or wire my funds. Only option they kept stating was to physically go to the Bank. This is causing an undue hardship on my family and myself.
Company Response:
State: SD
Zip: 57701
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Back in early XX/XX/2019 I did an online search to find the best promotion offer for opening a checking or savings account. I found an offer online at www.TD.comXXXX. The offer stated that if I opened a Premier Checking account and deposited a minimum of {$2500.00} of direct deposits within 90 days that I would receive a {$300.00} credit to my checking account. I did not meet any requirements for the additional {$150.00} to open a savings account. I deposited the {$2500.00} within 60 days, 30 days early. The offer stated that I would receive my promotional credit within 140 days max. I have called numerous times as I am persistent since the 120 day mark to check on the status and was told to wait the remaining days. I've called maybe 5 times in the past two weeks and each time I was told the rep would email the promotional Dept and they would get back with me with a resolution within two business days. I have received no call back or emails regarding my inquiries. I love the current interest rates and would like to stay with the TD Bank however I expect them to honor their end of the promotion as I did. The reps have been extremely nice and seem to genuinely care however I seem to be getting nowhere.
Company Response:
State: SC
Zip: 29201
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have made two purchases with XXXX XXXX ( XXXX XXXX XXXX ) and already there have been two major issues. The first was trying to set up an account online to be able to make payments. The system would not allow me to register for almost 30 days and required multiple telephone calls and a letter to the CEO in order for me to be able to sign in to make a payment. The first payment couldn't even be done online and I had to give my checking account number over the telephone for an ACH in order to avoid late fees. Then on my XXXX Statement it clearly shows I made the XXXX payment and the XXXX payment because of the difficulties experienced I didn't want to be late. This is the same month that I made the second purchase. On my XXXX Statement is says that I have a past due amount of {$130.00} and they added a {$27.00} late fee. I was paid ahead of schedule, had just made a purchase ( nothing due ) so how could I be late and assessed a fee. I called them today AGAIN and they reversed the {$27.00} but it really appears that they are gaming the system in order to obtain greater late fees and steer purchases so that the 0 % interest is jeopardized. My experience with this merchant 's payment processor has been horrible.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2019-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I set up a payment plan on their online system, and they set up a recurring payment plan without my knowledge, I only wanted to make one payment. I called and they told me to remove my payment information from the online acct, this I did and then another payment was paid to my account, then the following month I noticed that there are two more months showing recurring payments. I called to cancel payments and after waiting over 15 minutes the representative was very rude and said that she would send a email to mgmt and I would have to call back. I asked to speak to a manager and waited for 17 more minutes. I feel this is unfair debt collection as they intentionally have a system that automatically charges you monthly and you can not cancel recurring payments.
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2019-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This bank is horibke Im a loyal Credit card holder but at the time I applied I did not qualify and was told a secured card would be a good option Ive opened it and keep it in good standing pay on time and its over a year and they wont graduate my account and refund me My deposit they lied to me
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2019-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A