Date Received: 2019-03-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I closed cancelled a XXXX XXXX insurance policy for my XXXX phone in XX/XX/XXXX. I was continously billed for the service after the policy had been closed. This non-payment lapse of greater than 90 days was reported to the credit bureaus and my FICO score plummeted. I paid {$95.00} in XX/XX/XXXX to close the account. This included late fees and monthly policy premiums. I would like repayment of the {$95.00} and the credit bureaus notified to the error.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I had filed a complaint ( # XXXX ) with CFPB about spam mail I was repeatedly receiving from TD Bank. TD Bank responded by proving a link ( XXXX ) for permanently opting out of all spam mail. At that time, I did use that link to permanently opt out of such mail. Today ( XX/XX/XXXX ), after almost 5 months, I have once again received another spam mail from TD Bank ( I have attached the front and back of the mail I received ). So, since I had already opted out in XX/XX/XXXX, why am I still receiving spam mail from TD Bank?
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I received a promotional email from TD Bank offering a Savings account with 2.5 % interest rate guaranteed for 12 months if I open it online and deposit {$20000.00} or more before XX/XX/XXXX. On XX/XX/XXXX, I received a letter from TD bank confirming 2.5 % rate. On XX/XX/XXXX, I received an email from TD bank confirming the rate of 2.5 %. I opened an account online and deposited more then {$20000.00} in XX/XX/XXXX. One of the other conditions was to link a checking account to my account which I did and to make at least 3 transactions per month which I did by transferring money from my checking account to my savings account. To my surprise, TD Bank only paid me 1.49 % for the month of XX/XX/XXXX and 1.49 % for the month of XX/XX/XXXX. I called TD Bank on XX/XX/XXXX at XXXX XXXX and spoke to XXXX. She looked into the account and informed me that I met all requirements and she was going to request to change the rate to 2.5 % and it will take 3 to 5 days. I requested that I am paid interest retroactively since I met all the requirements and she told me that she will put in a request. Today, XX/XX/XXXX, I checked my account through my app and it still shows 1.49 % interest rate. TD Bank did not credit me back for the interest owed. I put in a call to TD Bank on XX/XX/XXXX at XXXX XXXX and spoke to another representative and she informed me that I won't be getting interest paid retroactively. This is bait and switch and I am appalled by this actions from TD bank. I demand that they pay me interest as advertised from day 1.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I was a victim of identity theft and I had someone open up a fraudulent credit card in my name and it cause my credit score to drop down to XXXX from XXXX and I contacted TD bank about this and they told me to take it up with XXXX and I explain to TD bank that I was a victim of identify theft and they wont assist me much further and decrease my credit limit to XXXX from XXXX Ive been making my payments on time with TD bank and never been late and I dont deserve to be punish for theft mistakes I currently have a open dispute with XXXX because someone open up a XXXX credit card in my name and they are taking too long with the dispute
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hello, I contacted TD in regards to a visit to the bank on XXXX. I came. I was taken for {$500.00} from fraud, you can review your cameras and seeing this transaction. I even asked if TD would look at the cameras for a picture and license tag number of the criminals, they stole every penny I had. As a result, I had scheduled for a payment to be debited from my account a few weeks ago and as a result of the theft, when the date came and the creditor debited the account, the account was charged a NSF, because all the money had been stolen. I explained what transpired to TD but no one would assist me. I understand the bank is not responsible for my money being stolen but the fee was charged as a result of the theft and when this transpired, I was so distraught that I didnt think to contact the company to stop the predated payment. I copied and pasted this email that was sent to the XXXX XXXX XXXX by mom to support what I am telling TD. I can provide a copy for the bank to support this transpired to me. I do have the conversation with XXXX which he agreed this was a scam a the money was stolen. Dear XXXX, I am 71 years of age and this man came to our home unexpectedly, along with two other men, he identified them as his family members and said that he, his brother and father were paving driveways for a good deal as they are trying to obtain more business. They told me they were licensed and insured and said his name was XXXX. I asked him several times for an estimate as he had free estimates on the truck. I also informed him that the XXXX cars in the driveway, the battery had to be charged so I could not move the cars. So, just leave the estimate. I told him, I did not have a lot to spend because he kept insisting about doing it then. I told him I loss my husband and son to XXXX and they are the ones who normally handles these things. He then says he loss XXXX or XXXX family members to XXXX. I told him I was sorry for his loss and again I said, just leave me an estimate and I will call you if interested. Well, he starts spraying something and reiterating he will pave for a cheap price. I said how much is this costing me? He finished spraying some substance and tells me he is not finish and he will come back it has to dry and he will pave tomorrow and if I pay him {$700.00} now, he would do the paving and provide an extra sealer on it. I told him, he did not do the job, nor did I ask him to spray whatever that was. He begged and told me he believes in XXXX, he has XXXX kids and if I could give him cash now instead of a check he would be giving me a better deal. He said he normally charges {$1200.00} while playing on the calculator, saying how good of a deal Im getting and reiterateing that I needed to pay him now cash and cash will lock in a good deal. I told him, thats too much and I do not have that kind of money, Im on a fixed income and I told him, I did not feel comfortable doing that and he pleaded and said he had children to feed, XXXX. He kept saying, XXXX XXXX fearing. He promised he would be back the next day in the morning and do a superb job. I have not seen him or the XXXX other guys anymore, this was on XXXX. My daughter went to the bank to cash the check as I am XXXX and can XXXX XXXX. She informed them that the bank was closed. They insisted and asked that she use the ATM. She is on a fixed income and gave them the {$500.00} out of her account at the bank. That was everything she has as she is on a fixed income as well. After that, they did not show up, my daughter said the bank TD Bank the address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, they had cameras and she knows that the vehicle and tag is on camera as they parked in front of the bank as she went in to try cash the check ( bank was closed ). I did not understand why he or the other XXXX did not want to cash the check and he and the other XXXX pleaded again and made up excuses, which now I know they are scammers and stole from me a senior citizen and my daughter. I asked for a receipt, which he gave me this wrinkled small piece of paper in which I questioned and he claim he would bring back a valid receipt the following day.
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2019 I was at XXXX XXXX in Florida. I used an ATM to withdraw {$100.00}. Then my account was hit multiple times for {$800.00} overdrafting my account. We were not notified by Td bank. Upon our arrival back home to Ny on XX/XX/2019 I checked my account to find that transactuon posted on that same day. I notified the bank to make a complaint. I was told it was impossible for me to make those withdrawals due to the speed of the transaction. I was told provisional credit would be available. That did not happen and again I was not notified by TD bank.I went to our bank to complain 3 times.Again they said it was impossible to make such transactions. Upon calling XX/XX/2019 found out the claim was denied.I Filed again and promised provisional credit would be available on XX/XX/2019. Upon calling again on XX/XX/2019 I was told the claim was denied on XX/XX/2019. Still not notified by TD Bank. Since then with overdraft fees the bank has taken my child support check which is my only source of income which brought to call CFPB XX/XX/2019 to file my complaint. Thankyou for any and all assistance to resolve this matter.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im filing this complain to resolve TD Bank ( TD ) Fraud accusation. I deposited a check for {$5400.00} using TDs ATM on XXXX2019. The ATM read the {$5400.00} check as {$54.00} and I tried unsuccessfully to correct the mistake at the ATM. On XX/XX/XXXX when the error was not corrected I called TD customer service around XXXX XXXX ET and spoke with a supervisor who informed me that this error could take 10 businesses days to be corrected because s an investigation needs to be opened. I reluctantly agreed to open the investigation. TD customer service told me that I was at fault for writing XXXX XXXX instead of XXXX XXXX XXXX XXXX TD Customer service also blamed me for not fixing the error while at the ATM. I then called TD Customer service a second time after realizing that only {$54.00} was deducted from my XXXX XXXX account. I asked TD Customer service to stop ( cancel ) the dispute because I was going to re-issue the check. I spoke with a representative and asked that he cleared the dispute cancelation with his supervisor. Customer service confirmed that dispute was cancelled and his supervisor said it was ok. On XX/XX/XXXX, a {$5300.00} adjustment was credited to my TD Bank Saving account creating a balance of $ XXXX. I then transferred the {$5400.00} from my Saving to Checking. On XX/XX/XXXX, TD Bank locked my accounts alleging Fraud. I am requesting that a TD Manager listen to the calls I had with TD customer service the morning of XXXX19 at approximately XXXX ET and XXXX ET. If after listening to both calls you conclude that Fraud was committed Ill be glad to close all my TD accounts. Outside of TD I have the following banking relationships : ( 1 ) XXXX XXXX opened 15yrs ago daily average balance more than $ 45k ( 2 ) XXXX XXXX XXXX opened 36 yrs daily average balance more than $ 5K ( 3 ) XXXX XXXX opened 6 months ago daily average balance more than $ 30K In addition to the above cash balances I have self-manage stock portfolio with XXXX opened 25 yrs balance $ XXXX, XXXX opened 12 yrs ago $ XXXX and XXXX opened 20 yrs ago balance $ XXXX total net worth is well north of {$1.00} million and Im debt free except for a couple rental mortgages. Funning story, TD has been chasing after me for over a year to open an account. The TD account has an incentive of {$500.00} and the following criteria $ XXXX for saving within 20 days and $ XXXX for the checking with direct deposit. I am happy to bring my entire bank and investment statements into the TD branch at XXXX XXXX XXXX, but I am not going stand by and have TD criminalized my transactions based on information received from TD customer service on XX/XX/XXXX
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I have been a customer with td for over 3 years and they are discriminating against my payee account. I have funds to cover a line of credit and they denied a XXXX loan even though i can cover the monthly payment sufficiently. XXXX XXXX XXXX has also denied a line even though they publish an offer on their site that when you open a XXXX account they will extend you a line of credit. They discriminate due to my credit score with the three major reporting agencys. also the three major agencys falsify documentation on amounts owed to recieve higher returns.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2019 I attempted to pay my mortgage at a TD Bank Branch. The mortgage payment coupon/slip clearly states " Mortgage Payment ''. It also has a part for you to add additional principle or additional escrow and to total. I added an additional XXXX towards my principle. The transaction took quite a while and included four members of the staff including the manager. I heard them clearly state to put the amount of XXXX in the extra principle field. I received a simple receipt stating I made a " LOAN PYMT '' in the total of my normal payment plus the XXXX extra principle. On XX/XX/2019, my account had not been properly credited. The online account showed there was a Misc Receipt made on XX/XX/2019, and the outstanding balance of my mortgage had not reflected ANY payment since the prior month. I went back to the branch that day and spoke with the manager, XXXX XXXX. She was one of the employees present when I attempted my payment. While with her, she contacted her account support by phone. They said my payment was used as a pre-payment for future mortgage payments, NOT as a normal mortgage payment with an extra principle deposit. Ms. XXXX explained how the local branch put applied the payment accordingly and was told something went wrong. She was reassured the issue would be corrected that evening and the change would show the next day. This change would also reflect the payment was made on the XXXX XXXX. Ms. XXXX suggested in the future I write two checks and make separate payments to my mortgage if I want to pre-pay my principle. This is a bit odd as the mortgage coupon/slip and the banks system has a spot for me to make an extra principle deposit. I was also told by Ms. XXXX that she would follow up with my payment and contact me the next day to ensure it was done properly. I have not received any contact from TD Bank as of yet. As of today, XX/XX/2019, my account has NOT been updated. This costs me the daily interest accruing on the mortgage. It is very wrong for a bank to treat its customers this way. I do not blame the branch employees, as they did what they could have to make the proper payment. Requiring me to write separate checks to make extra principle payments should not happen.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Around XX/XX//2018 I lost my card and there was multiple transactions made fraudulently on my account I reported the fraud and let the bank know they credited the account and then refilled the account I been 3 months trying to get the matter resolved and they have not reached out to me on the correct number XXXX I did not make the charges and need the credits out back on my account
Company Response:
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A