Date Received: 2019-03-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: TD Bank has refused to close my checking account for almost three months. I opened the account online. I have never been to a TD Bank branch. I called their customer service number to close the account on or around XX/XX/XXXX. I was told the account would be closed. In early XX/XX/XXXX, I received a statement in the mail. The account is still open and has been charged two monthly service fees since XX/XX/XXXX. I called their customer service number again on XX/XX/XXXX. I was told they could not close the account and that I needed to contact my " local branch, '' despite the fact that I have never been to any TD Bank branch. I called the local branch at the number I was provided. The local branch refused to close the account. First, they told me to call the customer service number. Then, they told me to send a letter to a post office box in Maine. Neither the representative at the local branch nor at the customer service number could explain why my account was still open or why they were unable to close it.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for the TD Bank XXXX Visa card, which awards XXXX XXXX miles after spending {$1000.00} in the first 90 days. I met this requirement. However, the miles did not post. I called in inquiring about this, and the customer service representative said that she could see them on her end, but they were not displaying on my end due to a computer issue, and the update would be fixed by the next morning. They were not. The next time I called, I was told they were not open on the weekend. The next time I called, I was put on hold, then transferred to a survey after which my call uatomatically ended. The next time I called, after waiting on hold for 20 minutes, I was transferred to the reservations department to make a reservation, despite that not being my issue. I am getting sick and tired of being on hold, and desperately need these miles to make a reservation.
Company Response:
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2019 a check was filled out using my name and checking account information in the amount of XXXX in the last name XXXX and was mobile deposited into a XXXX XXXX account. My bank TD Bank was not authorized to RELEASE these funds because the check was bogus and the name didn't match my name used on my checks. This is the 4th time my account has been compromised and I should of switched banks years ago! I'm told now that I will have to wait a total of 100 Days to be reimbursed. This is not my problem and the bank should give me a provision credit but is refusing to do so! I live pay check to pay check so this truly is affecting my family not being able to pay our rent! instead I paid someone else rent? Please help Sincerely, XXXX XXXX
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Nordstrom fails to list a payment address on its retail credit card statement, with effect, if not the purpose, of causing customers to miss timely payments and thereby incur late fees.
Company Response:
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My TD Bank debit card was compromised. All of the charges occurred on consecutive days at XXXX XXXX XXXX in XXXX, Florida. Let 's just preface this with I live in XXXX XXXX, FL, approximately 30 miles away and I do not ever go to XXXX. The first unauthorized charge occurred on XX/XX/XXXX in the amount of {$100.00} ; a second again on XX/XX/XXXX in the amount {$99.00} ; the third charge on XX/XX/XXXX in the amount of {$99.00} ; the fourth charge on XX/XX/XXXX in the amount of {$99.00} ; the fifth charge on XX/XX/XXXX for XXXX. At no time during these unauthorized charges did TD Bank contact me about suspicious activity. My husband and I discovered the unauthorized charges on or about XX/XX/XXXX and I immediately contacted TD Bank to shut down my card. The first charge had already cleared my account ; however the other 4 were still pending and I had wait until they actually cleared. We disputed the first charge and called the next day to dispute the 4 additional charges. I waited 3 days and called TD again to ask about my provisional credit. I was informed that the person who took my report determined that the charges were in my geographical area and not fraud. When I informed them that I drive a XXXX XXXX that takes {$35.00} in gas every two weeks and that I confirmed with my local branch that I was in XXXX XXXX using the card with the chip at a XXXX at XXXXXXXX XXXX at 9 minutes later someone was pumping gas in XXXX which is 30 minutes away with my card and NO chip, they resubmitted the dispute. I received a provisional credit. On XX/XX/XXXX, TD Bank sent me a letter and told me that they were reversing the first credit of {$100.00} because they didn't think it was fraud, but they were allowing the credit for the 4 additional charges. When I complained, they told me to go to XXXX and file a police report for the {$100.00}. I wanted my {$100.00} credit back. This is so obviously fraudulent charges that I'm convinced TD Bank is just be spiteful and arbitrary. I am so disgusted that I have redirected all new business/personal accounts that I used to refer to TD to another bank. In my line of work, I have referred no less than 50 -75 accounts to TD Bank in the past 3 years. To be treated in this fashion is inexcusable. I want my {$100.00} and an apology for inferring that I would lie about an unauthorized charge.
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Opened a checking account with TD on XX/XX/2018. A few days later I attempted to attach my XXXX account to the checking account, and shortly after TD locked my account. When I called in to unlock the account, I was told I needed to verify my identify in person at a branch. This is not possible due to the one-way 4 hour drive to the closest branch and after I told them as much, no helpful response was given. I immediately told them I'd like to close the account, but was denied that ability due to them being unable to verify my identity despite the very process that allowed them to open a checking account in my name in the first place. I assumed the account would close within 20 days because due to the XXXX XXXX XXXX accounts are closed when not funded, but when I attempted to link my XXXX, XXXX sent trial deposits and never withdrew them since I didn't have the opportunity to verify the trial deposits. Since this occurred, the account was never closed, I've been charged a $ XXXX monthly maintenance fee, and I can't access/close the account without making an 8 hour trip to the nearest branch.
Company Response:
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I am filing a complaint about the XXXX XXXX XXXX service. This fall, in XXXX, the company changed the way they notify customers of payments due. In the past, they sent emails containing the amount due on the card, which I would then pay using secure bill payment with my XXXX app. Please see screenshots of emails below. I included one from before the change and two from after the change, which offered no reason for me to think I had a past due payment. I missed a payment due to this change, which I was never notified about. I paid the principle as soon as I realized it was due, but did not realize I had an outstanding late fee, which continued to accrue fees over the next two months. When I received a letter from XXXX in the mail asking for payment, I was shocked and made the payment as soon as I could. However, this 90-day-late payment has now caused my credit score to go down 90 points, and will not leave my credit report for 7 years. As a medical student in my mid-twenties, this is a major problem. I need to have a good credit score in order to qualify for loans. I have taken this matter up with XXXX, and while they were able to reduce my late fee, they refused to do anything to help me get this delinquent payment off my credit report, which is the far more critical and pressing issue.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Because of previous problems I have had with TD Bank, I decided to close my credit card with them ( they started charging me 24 % interest for similar issues that were not valid ). I paid the balance owed and asked them to close the account. The bank however continued to allow automatic electronic debits - I was charged by a previous vendor {$14.00}, days after I requested and was told the account was closed. A phone rep from TD who called my home about 2 months ago confirmed the same story. Since the bank allowed the charge to go through ( that they should not have ), every month they add new fees and charges. Now the balance is over $ 200+ which is almost entirely fees - due to their error. They called me several times. A couple of months ago a rep called and confirmed my story. I told her that I was even willing to pay the {$14.00} from the charge that they shouldn't have allowed. I offered to pay the erroneous charge but told her I wouldn't pay any of their penalties. She said she'd put my on hold and ask her supervisor. She didn't come back, and I went to work. Several times they have called in the morning as I'm headed out to work, and I asked my wife to give them my cell # and if they would call me on it I would still try to resolve things with them. Instead they keep calling my home when I'm not there - but they don't call back even after I've asked them to. They often send letters advising that they will report me to the credit agencies for non-payment. I'm not sure if they have or not, but the letters and bills keep coming and I will be extremely upset if they report to the credit bureaus for something they THEY caused. That's an abuse of power in my opinion - they can effectively make it very hard for me to get credit and I have no equivalent ability - it's really a shame how the system works. Anyway I hope the CFP can help resolve the problem since TD Bank doesn't listen to me. My legal name is XXXX XXXX. The card was a Visa card - I believe the number was XXXX XXXX XXXX XXXX.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Someone open fraud account with my social security with td bank it was reported in the check system XX/XX/2015 i was not aware of the situation never was told to me everytime i tried to open checking account i was denied
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To who it may concern at the XX/XX/2019 two days before my credit card due date i called my own credit card bank seeking for an extension of 14 days to make my payment due the government shut down but instead they help me they decided to revoke my account and closed it permanently. This big bank has abused their power against by closing my account with them without any valid reasons but me seek for two week extra to pay them due the government ' shutdown and totally stripped me from all points that earned from using my own hard working money. At the XX/XX/2019 i and after i made my payment of 1000 $ to them I received a letter from Td bank saying that they revoked and closed my credit card account that I had for nearly three .and I've never missed a single payment and my account always been in a good standing payment for three years .Also, they are refusing to let me used my earned points by all means please help to stand against this unfair bank who his dealt with with nothing but rudeness and unjustness every time I called them to seek for my stolen points by them and ask them for explanation why did they closed my account but they never wanted to help or answer any of my question .nevertheless, by they closing my account they hurt my credit score badly and this show the luck of fairness and professionalism. and how this big bank use us to get as much of fees and interest and after they done they just close the account but never give the fess nor the interest back to us giving the fact this credit card has charged me the last three years totally 2500 $ in fees and interest please help me the hard worker people like me to stand against them.
Company Response:
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A