Date Received: 2019-04-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I would like to look in to how to pursue an investigation into my institution on TD BANK N.A. of banking fraud. The reason for this is this institution has altered its transactions posting times to make returns and collect returned transaction fees. In my TD Bank Convenience account at this banking institution, I had a transaction that went through and cleared Monday XX/XX/2019, in the morning. This transaction was processed and was covered by overdraft protection and visibly showed in the posted transaction section of my online statement. I even waited until Wednesday to make sure all funds had cleared and had been paid to the recipient. I later double-check my online statement showing on XX/XX/2019 it had been cleared for 2 days. The reason I know this is I wrote a letter to the recipient that yes it was covered in the morning. Checking back on my account later that same day [ Wed. ] and my online account statement now stated it was summited on Tuesday, XX/XX/XXXX and returned. In fact it was 2 business days and post-dated by the institution creating a return with return and overdraft fees.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I found that in have a few credit inquiries on my credit report which I did not authorize. I called the companies to remove them but no one ever got back to me. XXXX 1. XXXX -Inquiry XX/XX/XXXX 2. XXXX XXXX - Inquiry XX/XX/XXXX XXXX 1.XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX - XX/XX/XXXX 3.XXXX - XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.TD Retail Card Service XX/XX/XXXX
Company Response:
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had opened an account with TD Bank ( account # XXXX ) as a way of teaching my XXXX XXXX XXXX daughter about banking. All of her chore money went into this account and, if she decided she wanted to make a purchase, I would either write a check or use the debit card. I thought it was important for her to learn the value of a banking relationship and the importance of safeguarding her funds by using a bank. Unfortunately, this experience has only taught her that banks are not to be trusted and that her money is better kept under the mattress than with a banking institution. Due to a medical issue, I am catching up on mail communication and I notice that TD has halved the balance in my daughter 's account due to a {$15.00} " Maintenance Fee '' along with a {$1.00} " Paper Statement Fee. '' Aside from never having received any disclosure regarding these fees at account opening, there is very little activity on this account. My daughter 's transaction are few ( she's XXXX and doesn't deposit or withdraw much ). In addition, all of my other accounts are managed online so, had I been advised of a paper statement fee, I would have gladly signed up for online access. It seems as if TD is looking to completely deplete all the funds my daughter worked so hard for with their fees. I suspect that, when this happens, they will continue to add fees until the account goes negative at which time they will likely send me a bill. Unacceptable. Customer service at the bank is horrible and only corroborates that said fees are " valid '' despite my not being made aware of them when the account was opened. I am fully prepared to contact the local media. I'm sure the residents of the State of CT ( and perhaps, elsewhere ) would love to hear that TD Bank took every cent of a XXXX XXXX XXXX girl 's money. Money which she, by the way, worked for by helping neighbors shovel snow, rake leaves, etc. This is unconscionable.
Company Response:
State: CT
Zip: 06512
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I alerted TD Bank to two potential fraudulent checks being cashed from my account in XX/XX/XXXXXXXXThey instructed me to come into the branch the branch and close the account and open a new one, which I did. I asked what measures can be taken to prevent this from happening. They stated nothing On XX/XX/2019 two fraudulent checks upwards of {$13000.00} dollars were cashed from my account. The same amount in which the first potential fraudulent activity was reported. The check was fabricated and the signature was electronically manufactured, and did not resemble my signature in any way. I was once again instructed to close the account, which I did. I filled out an affidavit of fraud inside a branch. They instructed me that there was no further action I could take, and that it may take 6 months for the case to reach global security and be assigned an investigator, in which afterward my funds may be returned to me. Two week later and The branch did not send my affidavit of fraud to the the td fraud department, it has not been filed with global security of placed on a list for an investigator to be assigned, After numerous phone calls and branch visits, as well as after filing a police report. No one at customer service, fraud or within the branch showed any concern with the matter, and refused to give me a copy of the affidavit or details regarding how and where the checks were cashed. They were clearly negligent in allowing blatant fraud and refuse to reimburse or guide me through the fraud process.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I typically make my monthly payment via my online account using my routing number and my member number. I made a payment in XXXX using the IVR phone system as my laptop was not working and was being repaired therefore I was not able to make my payment online. When making the payment I used the same routing number and member number to make the payment as I did when paying online. The payment was returned stating account not found therefore causing a 30 day late pay to be reported to my credit causing my score to drop by 70 points. I was notified of the late pay not by Target but by an alert received from the credit reporting agency as Target did not contact me to inform me of the missed payment. When I contacted Target they state the collection department made several calls ; however I have searched my phone records and voicemails and have no calls or voicemails. When speaking with Target to figure out why the payment did not clear using the information that I have always used to make a payment they stated that an IVR is ran as an ACH. My issue is that Target is assuming that their customers should know that when paying online its acceptable to use their banking member number and that when paying via their phone system that the bank MAY return the payment if using their member number versus the full XXXX digit account number. If there is a possibility of a payment being returned which could cause a customers credit to be affected then their should be CLEAR communication on both their website and their IVR system stating that the XXXX digit checking number must be used. Additional concerns are those of Targets Customer Service agents. I was hung up on multiple times, told multiple different things by different agents and overall given a horrible customer experience as their agents are not polite.
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2019 I spoke with XXXX XXXX at TD Bank ( XXXX ) XXXX to obtain international wire transfer information. He was confused and didn't remember how to spell his name. Hours later, after properly identifying myself, Mr. XXXX thought that he should refer me, by way of email, to folks at the bank that can not be contacted. I then spoke with the branch manager in XXXX NH ; Mr. XXXX XXXX ( XXXX ) XXXX. Mr. XXXX provided the information for the wire transfer. The wire transfer was initiated on XX/XX/2019. The wire was rejected by TD Bank on XX/XX/2019. The bank claims that the information that they provided was incorrect. The sender refuses to resend the funds because TD bank has not provided a refund. TD Bank claims that they are not in possession of the funds. I have not received the funds.
Company Response:
State: IN
Zip: 46818
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Purchases from XXXX to current charges was made in ny bank account. On XX/XX/XXXX filed a police report XXXX XXXX for identity theft and fraud. I then filed a report with my bank. The bank told me that they gave me forms when o open the account, that s was about safe guarding you info. I never received such a form. They also say it was no misprint for my pin and their was no mismatch in information. Which is why they decline my claim. I did not make any of those purchases. And it was not my fault my information was stolen in a XXXX. I would like the outcome that I get my money back. I am in the verge of being homeless with my children and we really need that money. So if I have you I ready to take this complaint to the end. I have nothing left to lose I m about to be in the street with my kids I need my money back. I spoke with the vendor they said they reported it as fraud they didnt charge me but than the money not in my account. This is so horrible that someone can act and try to look like you go around pretending to be you. And use your information and the first thing someone at the bank said to you is well it was no errors in your information. Well o would think so if they stole all of my information. Please resolved this
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2019 my accounts were frozen and the debit card was closed for my business accounts ( this was how I learned of the hold, no other contact attempts were made ). Immediately following I was told over the phone to go into a branch so they could call and release the hold on both this and my personal account. I did so, and was told the hold could not be released. The representative asked me for an invoice for the most recent transactions to the account. This was provided immediately. I was the given a timeline by the branch representative of 1-2 days for release. On Friday, the XXXX, I was asked to send in copies of my ID. Again, I did so immediately. This time the branch rep told me to keep calling in to check if the account was unfrozen, which I did to no avail. Throughout this time I continually asked the investigator assigned to the account to provide reason for the freeze and a timeline of expected release. This was not provided and I was refused a direct answer continually. The following week, I visited a branch every day as the investigator XXXX XXXX was refusing to answer my attorneys phone calls. Many different branch reps had no idea what was going on with regards to this hold. During this period, my attorney and I continually asked for a timeline and reason for hold. Finally, on Thursday the XXXX, we were finally told that the reason was two wire transfers that had cleared 2 weeks previously for XXXX and XXXX. These were both partial payments on the invoice already provided ( which was between a company I owned and my own consulting company ). Following this, we gave Ms.XXXX all documents relating to the source of those funds from the promissory note for the loan for the payee company to the internal wire transfer confirmations for the sending of the funds to my business account at TD Bank. We then continued to ask for a timeline as all documents they had requested had been provided over a week back. Alternatively we offered her to liquidate the account immediately, she did not respond to this direct request, which is a violation of FDIC regulations. No timeline has ever been given and Ms. XXXX XXXX has refused every phone call from myself and my attorney. She is the cause of my employees not being paid and us not being able to attend a conference. No reasonable reason has been given for the extended hold and TD Bank refuses to do anything else in the meantime.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card with NORDSTROM/TD BANK USA. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NORDSTROM/TD BANK USA and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX and NORDSTROM/TD BANK USA with no successful resolution. XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.
Company Response:
State: HI
Zip: 96816
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: on XX/XX/2019 I send it a check to XXXX XXXX XXXX from my financial institution td bank and days later XXXX XXXX XXXX tall me that they do not have the check and when to my td bank and they said that XXXX XXXX cashed the check and print out a copy of the canceled check. then we file out an affidavit on XX/XX/2019 but a this time l 'm looking to have a solution from my bank because they had to know who cashed and reimburse or credit to me. l when to td bank today and the manager was very angry saying that he doesn't know it make take six months to have an answer, and l ask to have the amount of money credited to my account and he said there is not provisional credit which I think it is unfair
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A