Date Received: 2019-08-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/19, my electronic payment to XXXX XXXX XXXX came into my bank. Later in the afternoon, I realized that I didn't have enough money in my checking account to cover the charge but I DID have the money in my savings account. I have overdraft protection on my checking so the bank will transfer money from my savings to cover any payment that comes in and will charge me {$10.00} for that service. I decided to transfer the money myself and save the {$10.00} feethis left me with a balance in my checking of {$8.00}. On XX/XX/19 I was charged a {$35.00} overdraft fee. I called TDBank today and spoke with both the branch manager, XXXX in XXXX, Maine and the customer service rep, XXXX in the Call Center. I was told that the charge was due to everything being computerizedwhen the payment came in it was recognized as an overdraft, that night the computer tried to take the money out of my savings account but the money was not there because I had already transferred it, therefore I was charged the fee. I was told that I would NOT have gotten an overdraft fee if I had not transferred the money myself! They could not explain to me how they had the right to charge me since the money was in either my checking or my savings the entire time and I have overdraft protection. I had a long discussion trying to understand how this was legalhow they could charge me a fee when they were in possession of my money the entire time, they could not explain it other than trying to claim that " it wasn't in my account when computer looked for it. '' I asked to see where in writing this is explained or how they are legally able to charge methey referred me to the 55-page Personal Deposit Account Agreement where the actual situation was not addressed. The managers both told me that they were not able to refund the fee because I have been refunded overdraft fees 2x this year ( a complimentary service they do ). I understand that I have received this, I live on XXXX and there are many times that I have to manipulate money to cover bills and it doesnt always work. I don't believe that should matter though, this is not something that I did to cause my account to be overdrawn, the money was in my accounts the entire time and I don't believe that they had any right to charge me for this. I am not asking for a refund for a fee that I causedI am asking for the {$35.00} to be refunded because they had NO right to take it to begin with. Thank you for any help that you can provide.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2019 when applying for a loan to purchase a car. I authorized XXXX XXXX to run my credit one time to a specific lender. They assured me that It would be only one. I have been getting notices from creditors that I don't recognize stating that XXXX gave them permission to run my credit. That has been reported to my credit reports ( all 3 of them ) over 33 or more times which is causing adverse actions on my Credit reports.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After changing to a commissioned based job from salary, I fell behind in this payment. The new company was the right choice as now I earn 3 times the income however, it cost me some missed payments. When I began to earn a better living I was able to catch up on missed payments. I called and explained my situation with a customer service representative and I was told they understood and were willing to help me remove my 4 missed payments if I brought the account current. I was not quite ready financially but I thought it was generous terms and worth forgoing other financial responsibilities to get caught up so I paid it up to date. Unfortunately, the reported missed payments were never removed and when I call they claim they never agreed to such terms.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Target.com was supposed to issue a refund but did not causing Target Credit Card to incorrectly report me for late payment even though I was led to believe there will not be any charges. This was for order number XXXX. I called Target Credit Card several times and the representatives must first admit that this was a target.com error to remove the late payment report. But Target.com did not get back to me dispute several secure messages sent using the Target platform.
Company Response:
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2019-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is about XXXX 's XXXX XXXX ' fraud case. I am not sure if this is the right place to report ... On XX/XX/19, I lost XXXX dollars from my checking account as a person name XXXX transferred the money out from my bank using XXXX 's XXXX XXXX ' feature of online banking. Up until this event, I did not know the existence of the feature and have never used it. We never enrolled for such service and never got verification prior to the transaction. Only my family member which consist of my husband, and my son and daughter know the login ID and password for online banking as they are listed under my account. We reported this to police and they gave us a report but according to the fraud department from TD, because the hacker was using the same IP address they can not refund my money back. I am not satisfied with this answer. My husband, my daughter, my son, I have been a good customer with TD bank for over 10 years and this never happened. We changed our debit card number and account number the very next day after we locked the account. We are reporting that this transaction was not made from us and the fraud department is saying that they can not do anything at this point. I conducted some research and it seems like this XXXX fraud case is getting popular across the country. According to XXXX, approximately 70 percent of fraud victims were able to get the reimbursement within a week, and the other 30 percent had to contact XXXX to report this case and file a claim via the Consumer Financial Bureau to get their money back. XXXX also tells us that " it requires financial institutions to verify that the customer has control of the email address or mobile phone number, most commonly through verification codes. '' We didn't receive any verification code whatsoever and we didn't even enroll to XXXX. I visited TD bank branch on XX/XX/19 to talk with regional/store manager and gave them all the information but they gave me final decision today ( XX/XX/19 ) that they are not going to refund me because the hacker was using the same IP address which does not make any sense to me at all. This is entirely their security issue, not the customer 's responsibility. It is unfair that they are not willing to reimburse what they lost. All I did was having an account with them and trust them with my money. Attached are the articles from XXXX regarding this case, bank statement for the unauthorized transaction and redacted police report.
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On multiple occasions, I attempted to render full payment on my TD Bank credit card issued in conjunction with a purchase at XXXX XXXX XXXX. TD Bank rejected payment on the purported basis that my check lacked an account number, which was a patent falsity. I again wrote a check for the full debt amount on or about XX/XX/2019. Before that check was cashed, I received a debt collection call from TD Bank, during which the employee recognized that I had made previous payment attempts. I was told that my paper check had again been rejected due to a purported lack of an account number. I again attempted to make complete payment, this time over the phone. In conjunction with my phone payment, on XX/XX/2019, {$6400.00} was deducted from my checking account, reflecting a payment of my debt in full. Then, the next day, TD Bank attempted with withdraw a SECOND COMPLETE PAYMENT of {$6400.00} from my account, based upon my physical check that TD Banks own employee claimed had been rejected. This causes by checking account to overdraft, resulting in bank fees. In addition, despite my full payment, TD Bank is now demanding that I pay a {$35.00} check return fee, despite my full payment and being told that my check had already been rejected. TD Banks behavior has been opaque and misleading. I feel as if my attempts to pay my debt in full have been arbitrarily rejected to either extend the interest-chargeable life of my debt or to cause me to incur fees.
Company Response:
State: NY
Zip: 13027
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: TD bank extended a debt consolidation loan with an interest rate based on an interbank transfer. TD Bank can not or will not process the interbank transfer document causing multiple collection calls. Attempts to rectify have met with no success.
Company Response:
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2019-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD Auto Finance reporting missed payment in XXXX and XXXX of this year. The account has been closed for over 4 years. The payment history is in accurate and against the FCRA. I want it removed with the whole account or I will take legal action after this.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2019-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2019 I bought a car XXXX XXXX XXXX, in addition I bought a mechanical protection plan valued in {$2900.00} to be applied to this car. Two weeks after XX/XX/XXXX approximately I cancelled that mechanical protection plan, then a week after TD Bank received the credit from the returned of such mechanical protection plan. Unfortunately XXXX Bank did not applied that credit to the principal of my loan, and my loan monthly payment and length remain the same. Please help to fix this issue.
Company Response:
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-22
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Most importantly, I am not debating or concerned about the denial. I called TD Auto Finance to get some clarification about terms used within their letter. They refused and directed me to a third party who had nothing to do with the letter. The representative then verified with her supervisor that TD Finance would not be able to discuss the letter with me. Contradicting that information is the statement in the letter itself, " If you have any questions regarding this notice you should contact us at the above address TD Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, MI XXXX.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A