Date Received: 2019-07-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: over 4 years ago I had a dispute with td bank about charges that should not been allowed to hit my account. the issue could not be resolved the overdraft remained and was reported to check systems. I have been trying recently to resolve the balance but have encountered the following problems. 1. To reach someone in the collections and recovery department the wait is sometimes upwards of 2 hours. that is every time you call even if you speak to someone need to get information and call back you could be on hold that long. ( no one has that time -- especially not during business hours ) 2. I finally spoke to a gentle man who told me the balance was no longer 250 ( approx. ) but 600+. I asked why and was told because of fees associated with collections. I work in XXXX XXXX XXXX and you don't pay unless they collect something. No one did so what are the over 400 in fees???? 3. I was told to go into a branch an get a print out which I did to see a detail and explanation of the charges -- the 400+ is not there and the statement has no detail but raised another?. the last transaction is from XXXX for approx. 250. but the statement says it was presented twice and then returned -- so what is the balance? when I was told it was that charge. I was also told by the rep in the location that what they are requesting is not available through the branch office I need answers that I have not been able to obtain
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I purchased the 2015 XXXX from XXXX XXXX in XXXX XXXX. I had a trade in a 2013 XXXX XXXX. Balance XXXX. The 2015 XXXX was listed for XXXX. I had. XXXX credit score and did a trade in they made my interest rate 11 % plus I am paying for gap insurance and their loan is charging me a daily rate on the loan that I was not told about. I am paying XXXX at the end for a XXXX car plus I had a trade in. How can this be. I have been paying since last XX/XX/XXXX {$420.00} a month the balance showed XXXX in the beginning and right now it showing XXXX??? How can that be if I have been paying for over a year XXXX my balance should be way less owed. This is USUARY and a disgrace I did not sign for this type of loan. I had TD bank with my charger at 5 % interest now I have this car with a. Daily rate and 11 % interest. I want this redone correctly. I am not being used like this please help me get to the bottom of this dealership scam and finance company. I should owe less on my car and I want it fixed. The dealership is using tactic making you wait for hours signing he document then the bank write you and say something different. I want a regular 62 month loan no daily rate XXXX. I want all my payments credited towards my balance.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hi, I sincerely ask regulators to start assessing multiple regular heavy fines against this TD Bank for fraud against customers. This bank is worst than XXXX XXXX after discovery of fraud activities and practices of this bank. What happened? I called in, ask to dispute a charge, the call attandent redirected the conversation to a never ending series of verification questions. Hangs up on me, then locks my account. On re-call in by me, account can not be assess. Effectively no help and do not call impression, nothing gets done, alot of redirections and entrapping you to non-service and locking delays. This is repetitive and causing harm to consumers needing help with their account usage. I ask your regulatory agency to assess regular and multiple heavy public fines so all consumers are made aware of no-protection for consumers and effectively a fraud bank and should be remove from doing business in the US and XXXX.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: RECEIVED INFO FROM XXXX XXXX THAT I WAS 3 MONTHS BEHIND IN MY TDBANK CREDIT CARD PAYMENTS UPON SPEAKING TO TDBANK I WAS ADVISED THAT I GOT MY STATEMENTS BY E-MAIL WHICH I DO NOT I RECEIVE PAPERSTATEMENTS/TURNED OVER TO FRAUD UNIT ( TDBANK ) IT WAS FOUND OUT THAT SOMEONE HAD CHANGED MY ACCOUNTS E-MAIL AND PHONE NUMBER PREVENTING ME IN GETTING MY BANK PAPER STATEMENTS. ACCOUNT CLOSED AND WAS ADVISED THAT I WOULD BE REFUNDED MY LATE FEES ALSO ADVISED THAT MY CREDIT " LIMIT '' WAS REDUCED FROM OVER {$16000.00} TO {$3700.00} CAUSING MY CREDIT SCORE TO DROP VERY LOW. RECEIVED LETTER XX/XX/2019 THAT MY CLAIM # XXXX WAS CLEARED AND THAT I WAS NOT AT FAULT AND RESOLVED " IN MY FAVOR '' AN UPDATE WOULD BE MADE TO THE ACCOUNT ON MY CREDIT CARD. LATE PAYMENT WERE DEDUCTED, BUT MY CREDIT LIMIT WAS NOT RAISED TO THE ORIGINAL LIMIT. CAUSING MY CREDIT SCORE TO REMAIN " LOW '' FAIR STATUS. DUE TO THIS OTHER CREDIT CARD COMPANIES ALOS NOTIFIED ME THAT THEY WERE LOWERING MY CREDIT LIMIT BECAUSE OF THE ACTION TAKEN BY TD BANK. JUST WANT MY CREDIT SCORE RETURNED TO WHERE IT WAS.
Company Response:
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2019, someone walked into the TD bank on XXXX XXXX in XXXX, NJ, and withdrew a total of {$2500.00} from the TD bank checking account I share with my wife. I live in Connecticut and have never banked in NJ. Two withdrawal slips were submitted for {$240.00} and {$2300.00}, and my last name was wrong on both slips ( it was my wife 's last name ). My first name was also spelled differently ( and incorrectly ) on one withdrawal. My signature was forged badly, and inconsistently on each withdrawal slip ( one included my middle initial, and the other did not ). No amount was written out on the first withdrawal, and on the second withdrawal the amount written out was XXXX XXXX XXXX but the numerical amount was XXXX. The date on that withdrawal was also wrong ( " XXXX ) It appears the bank teller wrote out my account number, and also my drivers license number. It is not clear whether the teller had this information already, or was given it. After the transaction was approved, and someone walked off with {$2500.00} in cash from my account, TD bank froze the account -- apparently discovering the fraud too late -- but never informed me of the fraud or the fact that the account was frozen! As a result, several auto-pays I had set up from that account failed, and I was charged by the intended recipients for those failures. I reported the crime to my local precinct, and to the XXXX NJ police, but despite contacting the bank numerous times, I have yet to hear from anyone from TD bank 's fraud department, and yet to receive credit for the money stolen. It seems clear to me that the bank was grossly negligent, at best, and someone at the bank may have been involved in the crime. Can you help me?
Company Response:
State: CT
Zip: 06880
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: In XX/XX/2019 times called my bank TD, asked for the wire instructions to have a wire sent to my account, they gave me the wrong information, a routing number which was not my routing number. It should have been their ABA number with specific information to credit my account. Never showed up, they said, oh well if its wrong we send it back to the sending bank, XXXX XXXX, the person who sent it is my son XXXX XXXX XXXX XXXX. XXXX said they never got the money back when they tried to recall it. TD says they dont have it and XXXX doesnt have it. {$8500.00} Because no one will me where the money is. My car was repossessed because I was not able to make the payments. Im out XXXX and my car. Really need this cleared up. TD gave me the wrong information and feel they have the money and wont give it to me. Call if needed, XXXX Respectfully, XXXX XXXX XXXX SSN is XXXX
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Dear Sir/ Madam I am a Td bank customers for many years, I had three mortgage loans XXXX & XXXX & XXXX and recently closed loan on XX/XX/2019 loan # XXXX. I started my Loan application with XXXX XXXX XXXX XXXX XXXX XXXX ( MLS XXXX ) back on XX/XX/2019, all documents were submitted before the Loan officer contacted me to the fax number provided by loan originator XXXX XXXX XXXX after a week a loan officer named XXXX -XXXX XXXX contacted me to ask for the documents I submitted by informing me nothing at her file and I have to resend all again. she stopped return my calls or email for healthy information for my Loan this caused me to call back XXXX XXXX to ask her to be a connector and deliver my massage and concerns, I was told that they work at two different buildings and she will try to email her. after two month of suffering with that loan officer I was told that she was terminated and my loan assigned to a new loan officer XXXX XXXX XXXX works under manager XXXX XXXX XXXX non of all names and numbers call back or email me back. XXXX XXXX called once to inform that she is the new loan officer and never call back. it is disrespect to their customers who I am one of them. the miscommunication caused that on XX/XX/2019 the previous closing date I discovered that they charged me cost for TWO POINTS {$7700.00} but i bought only ONE POINT TO REDUCE THE RATE TO % 4.125 RAISING UP CLOSING COST TO {$16000.00} ( therefore I have to stop closing and asking them to correct their errors. part of the errors was corrected which the price for two points, but they also repeated a new error which over charge under escrow ( the house I refinance it is under TD bank mortgage and it's mortgage including escrow too means TD bank pays for property tax and home owner insurance therefore there were no need to charge me again for the same property tax and home owner insurance which is paid and up to date under loan # XXXX ) I have to pay at the closing $ escrow {$3100.00} which is paid under the above loan number I refinanced! .not even that but the above loan balance was {$98000.00} at the new closing date XX/XX/2019 they charged me for {$98000.00} ( higher than the loan balance {$270.00} ). I requested to pay off my line of credit loan balance amount {$170000.00} under line of credit loan number XXXX but the bank charged me {$170000.00} XXXX higher than the loan balance {$970.00} XXXX total over charge under both loans {$1200.00} plus the unauthorized escrow {$31000.00} = {$4400.00}. On XX/XX/2019 I called all names listed to me whom works on the above closing for loan XXXX and no one answer different than XXXX XXXX XXXX who SAID CONTACT YOUR LOAN OFFICER. ADDITIONAL the recent closed loan # XXXX was rated and I paid for and Title company closed for interest rate % 4.125 but after closing I discovered that the rate online % 4.13. I do not know what I have to do more, I gave up and I lost money under false charges fees from TD bank please help me and advise me what I can do? Only one of their worker Ms. XXXX XXXX XXXX was helping me within her limitation of authorization.
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Getting the loan
Subissue:
Consumer Complaint: TD BANK, NA, CONSUMER LENDING DEPARTMENT SENT A LETTER DATED XX/XX/2019. APPLICATION # XXXX STATING MY CREDIT SCORE IS " XXXX ''. I UNLOCKED AND UNFROZE MY CREDIT REPORT SO THE EMPLOYEES IN THE LOAN DEPARTMENT COULD ACCESS MY REPORT. I HAVE A GOOD CREDIT. TD BANK EMPLOYEES DO NOT RESPOND TO INQUIRIES WELL. EVEN WHEN THEY ARE OBVIOUSLY AT FAULT. I WANT CFPB TO RESOLVE THIS ISSUE. I AM BEING DESCRIMINATED AGAINST DUE TO AGE, INCOME, DISABILITY AND VETERAN STATUS.
Company Response:
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2019 i reported my card stolen to my Banking company, TD Bank. I was assured that my card would be shut down and a new one would be sent to me in 3-5 business days. I then noticed Fraudulent activity still being placed onto my account for purchases that were made outside of my state. These purchases were frivolous and could easily be made by handing the card to the merchant or in putting it online because their were a lot of online purchases made as well. On the night of XX/XX/2019 a check was deposited at an ATM in XXXX, NY for {$6300.00} and was AUTOMATICALLY approved at XXXX XXXX Soon after the thief was able to withdraw {$1000.00} of that amount again from my account. When this occurrence happened, I automatically received a text from what I believed was my bank asking FreeMsg : TD Bank Fraud Dept. XXXX Did you attempt {$800.00} at ATN CHECK CASHI with card XXXX? Reply YES or NO. Case XXXX To Opt Out reply STOP. When I woke up and saw this text, I inadvertently texted back and was told that my card will be turned off ... I didnt understand because i closed it just four days ago? Later on in the day I received a call from a third party company TD Bank uses asking me about the transactions, I informed them that I was not in NY and these purchases/deposits were not mine. I was told that a claim has then been filed and I should be hearing back from them in 5-10 business days. on XX/XX/2019 I called my bank because I didnt not hear back from them and upon calling them they told me I have no type of access to discuss anything at all over the phone about my account because my account has been breached and i had a fail of identification so so would need to go into a store to discuss anything else. I have had enough. I went into a store on XX/XX/2019 and was told no claim has been submitted, no report has been made and there were no phone conversations about the incident that happened on my account. The representative at this Bank filed what seems to be the THIRD claim and closed my card. He then was able to give me access to my account over the phone and of course I called everyday since then because I finally needed to get to the bottom of this. Everyday I called they gave me the same run around, that no claim was submitted or that the claim was submitted the day prior to me calling. On XX/XX/2019 I finally received an answer and it was that my claim has been denied due to the thief being able to input my pin one time and it being correct so there for I was ACCUSED of trying to cash a {$6300.00} check, withdrawing {$1000.00} and making purchases left and right in New York. I was poorly mistreated, accused of and ultimately have to pay a debt on my account of {$700.00} because the direct deposit that hit my account on XX/XX/2019 covered for most of my debt. According to the Regulation E act I should have been covered for the simple fact that I reported my card lost/stolen less than two days from the day that I noticed it missing and in this day an age ANYONE has access to ANYTHING if they are smart enough to obtain it as well as shoulder surfing as well as many other heinous acts a thief can do to ones account. I am appalled and I want to take legal matters and shame on to TD Bank for the way that they handled my situation and ultimately accused the victim of committing these fraudulent acts. The photos that I will be attaching is proof that I was in FL ( where I reside ) at the time the fraud was committed in NY with job clocking in and out as well as bank statements and texts that I received from TD Bank.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2019-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-21
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Respected CFPB Officer, My previous employer sent a wire transfer on XXXX XX/XX/2019 through their XXXX XXXX ( XXXX ). The details are listed below. Sender reference : XXXX XXXX Transaction Reference : XXXX Payment amount/currency : XXXX Payment value date : XXXX ( XXXX XX/XX/2019 ) I called my bank ( TD Bank ) XXXX XXXX, XXXX, XXXX of XX/XX/2019 to enquire about the status of the incoming wire. Since customers do not have the option to talk directly to the wire department, the TD Bank 's phone agent interfaced with their wire department and told me that the wire will be returned as TD records do not have my middle name and the wire is addressed to my full legal name. Since I gave my official records during the creation of the TD bank account, I asked the agent whether I could run to a TD local branch with my passport and correct the name instead of they rejecting the wire transfer. The TD executive apologized and said the wire needed to be returned and the sender had to reissue the funds again. I have been following up with my former employer and their bank ( XXXX ) ever since to reissue the funds but they say that they don't have the returned fund from TD. It seems that XXXX and their intermediary Bank ( XXXX ) reached out to TD via several messages to return the funds but they claim that there was no response from the TD wire department. In XX/XX/2019, I went to my TD local branch and when the branch called the TD wire department, they seem to have no record of the incoming wire and rejection. The Sending Bank ( XXXX ) launched another investigation and finally concluded that the money is still with TD and they continue to not respond. My problem here is that no Banks ( Sender : XXXX, Receiver : TD, Intermediary : XXXX ) are taking ownership of the missing amount. I have severals emails ( 40+ ) showing the correspondence/follow up and I am attaching few key ones here with this complaint. Could you please help?
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2019-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A