Date Received: 2019-09-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: someone opened up bank accounts in my name and now im unable to open any bank accounts im an victim of identity thief
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: TD Bank XX/XX/2019 Unauthorized ACH withdrawal by XXXX XXXX in the amount of {$650.00} XX/XX/2019 Unauthorized ACH withdrawal by XXXX in the amount of {$650.00}. I immediately went to my local branch of TD Bank in XXXX MA. And filed a dispute for the fraudulent withdrawals. They told me it might be seven to ten days before the charges would be reversed. I then went back to the branch later in the day once it became clear this was tied to a known fraud incident regarding XXXX. They again stated they could do nothing and could not block the current pending withdrawal of XXXX.
Company Response:
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2019-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a credit card bill for my Target REDcard ( issued by TD bank ) for the statement ending on XX/XX/XXXX. In my online account, I added the routing and account numbers for a funding source and proceeded to pay the bill. The payment was made in full on XX/XX/XXXX. Four days after the bill had been paid, my online activity was telling me the payment had been returned. The next statement had ended on XX/XX/XXXX resulting in an interest charge and a returned payment fee. I called customer service to find out the cause of the returned payment. The customer service representative informed me the bank account transfer came back with the status of being the wrong account number. The customer service representative was helpful in providing the account number I had submitted prior and I compared it to the number it intended to be. The result of that conversation was that the last digit of the correct account number should have been a '5 ', but instead, it was a '4 ' that was submitted. It was clearly the work of a data entry error. I asked the customer service representative to please undo the returned payment fee and the interest. She successfully reversed the interest charge but would not budge on the returned payment fee. I told her, what happened was an honest data entry error with the complete intention of paying the bill in full and it doesn't merit the {$27.00} returned payment fee. I was told it is company policy to not reverse returned payment fees. For the purpose of ending the call hoping to get a more helpful representative in the future, I thanked her for the interest reversal. On XX/XX/XXXX, I made the payment in full. Days later, I called customer service. I explained the situation that I accidentally typed the account number wrong with the incorrect last digit by mistake and asked if the returned payment fee can be reversed. Again, I was met with being told it isn't the bank 's policy to undo it. On XX/XX/XXXX, I paid the {$27.00} bill resulting from the fee. Over the course of the proceeding spring, I called approximately once a month to see if a helpful customer service representative would hear my request. Each time, I was told it wasn't going to happen. Attached are three documents : XXXX shows the original bill. XXXX shows my payments, returned payment fee, and interest charge. XXXX shows the reversal of the interest charge and that I paid the returned payment fee.
Company Response:
State: CA
Zip: 90602
Submitted Via: Web
Date Sent: 2019-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: unauthorized credit inquiry
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2019-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: TD Bank has sent me a flyer directly to my name via US Mail with a proposal to open checking and savings account. I have opened Savings account, met all requirements to get a promo bonus and TD Bank didn't credit my bonus on time as per terms of a promotion.
Company Response:
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On the week of XX/XX/XXXX, I received an alert from my XXXX credit monitoring service indicating that my Target credit card payment for XXXX was not made and as a consequence I had a 30 day late notice added to my credit report. When I went back and checked my payments, I noticed that for the month of XXXX I had made a {$100.00} payment. I immediately called Target and they told me that my payment was short for {$5.00} and that they couldn't do anything about it. They were not willing to help me in any way. I asked them to please review my previous history so they can see that I have never been 30 days past due since I open their account. I explained to them that I recently went back to work full time and that I have been sending my payments beyond the that due date, but we a lot sacrifices I have avoided to be 30 days late. I also mentioned that my job stability could be affected for those {$5.00} and that what they are reporting to the credit bureaus is innacurate. They are reporting that I missed my payment which is not the case. What they are doing will affect my current employment and future opportunities as well. I do not think this is fair especially for a customer who in spite of her circumstances has been making payments. This {$5.00} difference has caused a level of damage that is not equivalent to the shortage in the payment which was originated by an oversight. My credit is the only thing that will keep me working. Please help me to communicate with Target so they can remove this 30 days notice from my credit report.
Company Response:
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2019-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/19 I deposited {$600.00} into my account. My available balance was XXXX after the deposit was made. The receipt shows {$630.00} was made available. I made three transfers {$300.00}, {$150.00}, & {$20.00} which left me an available balance of {$160.00}. On XX/XX/19 I made a value reload to my XXXX XXXX electronic card for {$25.00} at XXXX {$25.00} was still pending and had not reflected in my available balance. On XX/XX/19 at XXXX I was overdrawn by $ XXXX. I had not authorized anything outside of XXXX to debit my account. The bank stole {$170.00} in overdraft fees claiming I made transfers prior to the funds being available. I made over 8 calls to the bank requesting they investigate my concerns as the receipt shows the money was made available. Screenshots show I had XXXX available after the {$300.00} transfers were completed. I asked the bank if there is ever a time where a transaction can be pending and simultaneously available/posted to someones account. They told me no. On XXXX I went from $ XXXX overdrawn to $ XXXX which included another {$35.00} fees totaling XXXX in fees. That same day my father and I put XXXX into our now joint savings account. The available funds were {$130.00}. This morning I discovered {$100.00} had mysteriously been debited from the savings account without anything listed on the transaction history to identify or indicate where the funds had debited too. In addition to that, there was a mysterious debit of {$5700.00} that left the account with {$230.00}. Please keep in mind on XX/XX/19 we had XXXX in our accounts. With the deposit of XXXX that would have brought our accounts to {$6000.00}. Even if there was a mysterious debit of {$5700.00} our account balance would have been {$330.00}. The ongoing inaccurate postings, stolen/lost money has not been resolved and TD Bank refuses to address these concerns. I have sent two emails, made over 8 calls, and sent a letter to the operations of deposits address outlined in the agreements, posted on twitter, alerted the FBI, and filed a complaint with my local PD. There were several authorizations from XXXX and XXXX and possibly one other vendor that I think were '' dummy transactions '' because they were authorizations of {$0.00} instead of the amount authorized for actual purchases. I made online purchases for my job and canceled the ones I no longer needed. I assumed the authorizations were just there for adjustment purposes. However, members of the bank 's fraud dept. should know how to identify unauthorized and/or dummy transactions and have the tools to be able to see it and stop it ( force stop ) when it's lingering for long periods of times. I could not address those concerns and or get to the bottom of everything because the Banks representatives who handled my concerns insisted TD Bank was not at fault for any errors I brought to their attention and refused to hear anything relating to the inaccuracies. Because the agents refused to actually review my account in its entirety {$7600.00} was stolen. I understand the CFPB does not investigate everything but as a victim of the XXXX breach and being very diligent with my information I am hoping you too will assess actions. I have notified the FBI, I have filed a report with my local police department. I plan to file small claims. I notified FTC, I am in the process of putting a freeze on my account. I just need you to fight on behalf of all consumers. This is unacceptable. It has been recommended that I notify the OCC, and AGO Consumer Protection division which I also plan to do today. Something is wrong with TD Banks system and they need to identify the errors and stop blaming customers for their lack of attention to the problem at hand. Thank you for your time!
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: TD Bank charged me 5 separate overdraft fees on XX/XX/19. Those transactions on XX/XX/19 were not authorized to begin with. The money was put back into the account the next day XX/XX/19, but TD bank wiped me out with a {$170.00} fee. Because of this i was unable to keep my online business open, and i was not able to visit with my children. I called the bank and disputed the original transactions and begged them to return the {$170.00} they have stolen from me. I will no longer be their customer.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ive had a checking account with TD Bank since approximately XX/XX/XXXX. I regularly use the mobile deposit feature that is available on their app to deposit payroll checks. Yesterday I deposited 6 checks in the same manner as I always do. Typically my funds are available on the next business day. For some reason today they are not. When I checked my account this morning it shows a FM Deposit Hold- See SM entry next to each check that I deposited. I contacted the bank and was told that my money will not be available until XX/XX/XXXX, that is over a week away! I did not receive any alerts when depositing the checks that advised a hold would be placed. When I spoke to them this morning, I was advised that I could take the checks to the local branch and the teller could call the issuing bank to see if they could possibly clear a few of them. The checks that I deposited were from my employer, the same employer that I always deposit checks from so I dont understand the problem this time. They are holding my money hostage. This has got to be a violation of UDAAP.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TD Bank wants me to drive while XXXX to another state in the middle of a hurricane to sign a signature card because they failed to get one from me after having me open up an account over the phone. The money originated from an account with a signature card on file. This puts not only my health at risk but my XXXX heath at risk. Last night we had tornado 's came through and TD Bank will not release funds for me or my family to get groceries.
Company Response:
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A