Date Received: 2019-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday XX/XX/XXXX I deposited a check for the amount of {$100.00} via mobile deposit using my cell phone. At the time my account balance was {$2.00}. on Sunday XX/XX/2019, I noticed that my account was a negative - {$9.00} I called the TD bank to ask why my funds were not available. I spoke to a representative by the name of XXXX. He asked me how did I deposit the check, I informed him that it was Via My cell phone using the mobile deposit feature. he stated " That's The Problem '' and that if it was processed after XXXX on a saturday that it would take an additional business day. I said : but you guy are open and processing transactions today so why does that not count as a business day if your getting paid to work and accepting transactions. He said : if I would have walked into a bank that I would have had {$100.00} of that available. I asked him about the {$35.00} Overdrawn account fee I would receive because of this transaction when I clearly have money in my TD checking account pending. At this point he began getting frustrated but not trying to show it. he started repeating the same thing over and over before I asked to speak to manager. " There is nothing i can do, you have to wait another business day for the check to clear. '' A female manager came on the phone without even stating her name and just said " Hello '' as if she was on a personal phone call. I asked her is that how you answer the phone as manager?. she said : I was busy but how can I help you?. I said : by the way you answered the phone I really dont believe you have any intention of helping me is there anyone else I can talk to? She said " NO '' im the only one here. I stated I dont believe that and at this point I became frustrated with the lies already. I hung up and called back just cause I knew she was lying. I asked to speak to a manager right away. The lady proceeded to ask for all my information but, I told her that I rather not and would like to just speak to a manager. I know they can see who I am without asking that. ( Again, fifteen years of Customer service in a call center setting ). I then get a Manager by the name of XXXX whom starts to repeat the same thing word for word as the other previous people I just spoke to. No matter what I asked I got that same answer. " there is nothing I can do you have to wait another business day. '' he also stated that I could walk into a branch and speak to someone and they might be able to help me. After almost 1 hour on the phone with TD bank and very frustrated, i decided to send emails and got nowhere. On monday XX/XX/2019 I walked into My local TD Bank on XXXX XXXX in XXXX, NY and waited 30 minutes to be seen. I was seen by XXXX whom also said the same thing everyone over the phone was saying. word for word. " There is nothing I can do and you have to wait until " Tuesday '' to get your money. That would be 3 days I have to wait and my sick mother needs her medicine. He stated that Saturday, Sunday and Monday is 1 business day. He also suggested that I " OVERDRAFT ' my account. At this point I was appalled with all the lies coming from this company and its representatives and was ready to close my account and switch banks. I told XXXX that I would not accept that and would like to close my account and, I would like to speak to a manger. He then stated that he was the Supervisor and that there was no one else available. I asked to speak to his boss. he stated that she was right there and to give him a minute. after 5 minutes of waiting that's when I decided to stand up and wait to speak to her while he took another customer. I stood by the front door of the bank for exactly 30 minutes before receiving a phone call from the Person I was talking to via The XXXX App Direct Mail feature. She started saying the same thing as the others and at this point I am ready to hurt myself because I can't get access to my money and was already told to overdraft my account just to get my money and my mother has been sick and waiting for 2 days now. I began to Scream out of frustration again about how this is not fair and this is my money and I came here to bank for convenience and this is exactly the opposite. It's not fair that I am being penalized with overdrafts fees when I have money In my account pending and on top of that I can't even get the money cause it has not cleared only because I used the mobile app instead of walking into a TD Branch and depositing the check and {$100.00} would have been available. However, she ended up making the funds available for me.She is a life saver and my mother thanks her from the bottom of her heart. I forget the Lady name but i hope she gets mentioned in this article. Customers should not have to go through all of that knowing there is an exception to every rule.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is a new complaint I am still waiting to hear from TD Bank regarding overdraft charges from XX/XX/2019 XX/XX/2019, XX/XX/2019 Overdraft fees XX/XX/2019 FEE OVERDRAFT PD View fee details - {$140.00} - {$210.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$12.00} - {$74.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$5.00} - {$61.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO XXXX XXXX XXXX XXXX NY - {$20.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$29.00} - {$35.00} XX/XX/2019 FEE OVERDRAFT PD View fee details - {$100.00} - {$6.00} XX/XX/2019 XXXX XXXX WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$40.00} {$98.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$50.00} {$130.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$50.00} {$88.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY XXXX {$5.00} {$38.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$100.00} {$43.00} XX/XX/2019 XXXX XXXX XXXX ONLINE PMT - {$25.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX ONLINE PMT - {$25.00} - {$31.00} XX/XX/2019 DEBIT CARD
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Target out in XXXX XXXX someone charge my car out there charge {$1100.00} in my name Target trying to put the charge on me my information was hacked I am not paying for a XXXX. I'm going to fight this and make the world knows
Company Response:
State: CA
Zip: 95991
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: TD BANK USA/TARGETCRED is the creditor Ive been having issues with. There is a 30 day late pay that stems back from XX/XX/XXXX that is the cause of my complaint. I have had my account with them on autopay since my account begain in XX/XX/XXXX. Target says there was an issue with my autopay account yet my account has not changed since I first opened the card. I was told my autopay didnt go through yet I received no notification on that and to this day I have been using the same form of payment for auto pay. I have been contacting Target for 3 years no with no response from them.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day. Please send a letter stating that these issue has been resolved to : XXXX XXXX
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Excessive fees
Subissue:
Consumer Complaint: Target account has derogatory missed payments on my credit report that I would like to have removed
Company Response:
State: TN
Zip: 37087
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2019I paid my XXXX XXXX credit card balance in full. The money cleared my bank account on XX/XX/19- since that time XXXX has reflected that I have a {$0.00} balance on my card but has not restored my available credit to its correct limit. I have sent numerous messages to XXXX XXXX XXXX who have informed me that yes the payment is showing but that they would like to do a conference call with my bank to confirm that It has cleared. This is absurd as I have no intentions of allowing a third party to discuss my banking information with my financial institution. Whereas the payment has cleared my bank, and my credit card balance is 0, they should immediately restore my credit to its capacity limit that was allotted to me upon opening the card.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My wife and I wanted a treadmill. We contacted XXXX and discussed ordering a treadmill with them. Next thing I knew I had a credit card account with them. I did not order a treadmill or attempt to get financing for one. I can see from reviews of XXXX XXXX online that I am not the first to have this happen. I have never received any merchandise from this company. I have not signed or agreed to anything from this company. I do not owe this company any money. They have since sold the account to a debt collector and now I am getting harassing phone calls and certified mail. Now they say I owe them {$760.00} and I have zero products or services from them. I am worried they will now try and sue me for something I didn't authorize or receive. Please help.
Company Response:
State: KY
Zip: 40324
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2019, we applied for a mortgage with TD Bank , N.A . with XXXX XXXX. The Loan estimator provided had a mortgage amount of {$660000.00} and a Rate Lock Agreement which stipulated a floating rate even though we asked to lock the rate. On XX/XX/2019, another Loan Estimator was sent with the correct Rate Lock Agreement set at 3.625 %. On XX/XX/2019, at XXXX XXXX, XXXX called me to ask for an additional downpayment of {$39000.00} in order to get our loan approved. This brought the loan to value to down to 75.3 % from 80.0 % in the original application. XXXX failed to tell us that TD Bank was offering a mortgage interest rate of 3.50 % to clients with 25 % downpayment. The lower rate option should have been made available when TD Bank decided to change the terms of the agreement. The request for the additional amount to bring our downpayment to 24.7 % appears to have been done purposely in order to avoid giving us their best rate for equally qualified customers. On XX/XX/2019, TD Bank asked us to sign and return at the branch the original Loan Estimator with the original loan amount and the variable rate selected on the rate lock agreement. Prior to closing, I sent XXXX and his manager, XXXX XXXX, an email on XX/XX/2019, advising them that we should have been offered the lower 3.50 % rate on our mortgage when the terms of our loan amount were changed by TD Bank. Mr. XXXX insists there is nothing he can do since the rate lock agreement is signed. The Rate Lock Agreement, TD Bank 's website, and the CFPB all agree that the interest rate in the rate lock agreement can change when the terms of the loan change. In this case, the terms changed at TD Bank 's request. On XX/XX/2019, Mr. XXXX offered a refund of {$770.00} which is far less than the {$20000.00} the lower rate would save us over the term of the loan. After numerous emails and unreturned voicemails, they could not explain how TD Bank could justify giving different rates to clients with the same credit rating and the same loan to value ratio.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: Recently I have been a victim of an online banking fraud where the perpetrator was able to use a phone call to verify a transfer from my account. That person was able to obtain {$1100.00} from my TD bank checking account using a transferring platform called XXXX on XX/XX/2019. I had absolutely no knowledge of this transaction nor have I ever received a call or message to confirm or allow the transaction to go through. I was even at a TD bank when the transaction occurred and the bank specialist saw the transaction occur and was pending. Even after I said it wasnt me and specifically told the representative to not allow the transaction to go through he told me in order to deal with this fraud situation you will have to allow the transaction to post. Being that he was a professional with experience I listened to him and allowed him to take the actions he believed were necessary. That day we put in a claim and called the fraud department to let them know about the situation and he confirmed with me that I should not worry that I will get my money back. As a person with good faith and trust in our financial institution I followed orders and waited as I was told to. About a week later I found out they denied my claim saying it was familiar fraud. I live in XXXX XXXX and the confirmation phone call they said occurred was in XXXX XXXX and my money was transferred to someone in Arizona which are two states I have absolutely no relations with. I have no family, friends, peers that are from these areas which proves how I am a victim. I never confirmed a transaction like that and I never allowed a secondary person to have authority on my account. I am the only authorized person that is able to handle everything with that account which is why it is extremely strange that they allowed a transaction to occur through an unknown phone confirmation. After being denied I put in a 2nd claim and then got denied again and then put in a 3rd claim and received the same results. Finally I submitted a 4th claim with a police report that explicitly states I have been a victim of identity theft but the bank still denies to reimburse me. Now 6 weeks have passed ( XX/XX/2019 ) and I am still not reimbursed and have been told they can not help me with this situation any longer. TD bank said I have to go through legal action and small claims court in order to try to recuperate my losses. As a consumer in a financial institution I am appalled by the handling of this situation. I have been banking with them for 4 years and never once filed a complaint or a claim for fraud. This is my first time and it is obvious this a fraud situation but they are unwilling to help me or reimburse me. The bank has me running around for paper work and police reports in order to receive a reimbursement and even after I have obtained and gave them all the document proof they are still giving me a hard time and making me as a consumer to deal with this loss. Being that I have rights as a consumer and there are laws regarding these situation such as the Electronic Funds Transfer Act, I am upset that I have no protection from these terrible fraud situations. I am really hoping with this written complaint I will get the justice I deserve and based on the results will be able to once again trust the financial institutions. I can provide any documents necessary or answer any concerns or questions that you may need me to provide in order to resolve this situation.
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A