Date Received: 2019-01-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing because I would like to understand how TD Bank enabled someone to steal {$14000.00} from me between XX/XX/2019 to XX/XX/2019 through 26 transactions without once alerting me to possible fraud ( total theft attempted was {$16000.00} but I was able to have the 27th transaction stopped upon my own discovery of the fraud ). Further, TD Banks fraud department refuses to acknowledge that there was debit card fraud with respect to my account. On Thursday XX/XX/2019, I attempted to use my TD Bank debit card. I punched in my PIN in several attempts but was told by the ATM that the PIN was incorrect. I went to my local TD Bank branch the following day, Friday XX/XX/2019, to have my PIN reset to find out that I only had {$15.00} in my account. I had no idea how this could be, I had checked my balance 2 weeks earlier which showed a nearly $ 17k balance. At my request, the bank teller looked up my account and we saw that over the course of 2 days, beginning XX/XX/2019, a thief had managed to drain the my bank account - transactions that included ATM withdrawals, debit card and POS transactions ... the majority of which took place in Massachusetts. My home address is in New York. I have not traveled to MA in the past year and was still in physical possession of my debit card. The thief was able to make multiple ATM withdrawals of over {$700.00} within the same day. I have never taken more than {$150.00} out of my account via ATM. How was this not flagged as being fraudulent or suspicious? The thief used my debit card to make multiple purchases, what appears to have been both physical and electronic purchases. The thief was able to make multiple payments of over {$2000.00} via XXXX and pay what appears to be their electricity/gas bill ( deduced from the name of the vendor that appeared on my statement ). I have never made any purchases using my debit card, not even once. Once again, how did this not get flagged by TD Bank as being fraudulent?! I would really like to understand how none of the above got flagged by TD Bank as being fraudulent. Over 2 days, transactions totaling almost {$17000.00} hit my account, largely in MA and I was never once notified by TD Bank about the suspicious activity. I was not alerted via email, text or call. Meanwhile, the fraudulent transaction amounts were large, made within a short period, out of state, and inconsistent with my previous transaction history. The only reason I was alerted to the fraud was because I had tried to take money out of my own account. What did TD Bank do, if anything, to protect my account? Could theft of this magnitude have been prevented had the bank been diligent in monitoring customer accounts? I believe that someone was able to somehow obtain my debit card number and make copies of my card. I have offered to share my phone records, credit card records, work records to prove that the transactions on my account are fraudulent and that I could not have been in MA using my debit card but I have never once been contacted by the TD Bank fraud team during their investigations. It appears that the thief has attempted to make additional fraudulent transactions since the fraud had been reported. I have seen these attempts show up in my pending transactions. However this does not seem to have been considered in TD Bank 's fraud " investigations '' either. If the bank truly worked with the authorities they would find that I was not the person executing the disputed transactions. In New York, theft of this magnitude is considered Grand Larceny in the 3rd Degree. TD Bank has done nothing to help catch this felon. Total theft : ( 1 ) {$4800.00} of ATM withdrawals ( 7 withdrawals total in MA, all within 2 days ) ( 2 ) {$9200.00} of debit card and POS transactions ( all within 2 days ) : XXXX XXXX XXXX - MA {$500.00} XXXX XXXX {$530.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX XXXX MA {$310.00} XXXX XXXX {$70.00} XXXX XXXX XXXX {$100.00} XXXX {$620.00} XXXX XXXX {$8.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$55.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$500.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$530.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$530.00} XXXX XXXX {$86.00} I have a full time job where I have to work late, I don't have all day to be calling companies who have accepted fraudulent payments ... is it too much to expect a certain level of protection, trust and service from TD Bank? I am happy to share further information if needed including bank transcript with fraudulent transactions, police report incident number.
Company Response:
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: It takes XXXX calendar days to post a payment and I had to contact them multiple times about the issue. Their resolution is to put you on an extensive conference call with your financial institution to resolve the issue. I know of no other financial institution or creditor that wont release the credit limit for XXXX days. They need to follow industry standards with posting times and dates. Per other online reviews, Im not the only one who has experienced and continues to experience this issue.
Company Response:
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX treadmill from XXXX XXXX. The charges included delivery and assembly. I financed the transaction with TD Bank, XXXX XXXX XXXX. The assemblers destroyed the treadmill. It is non-working with broken pieces and loose pieces, which I found in various areas of the room after the assemblers left. I reported the issue to XXXX XXXX returns department. They said they would have it picked up but I have heard nothing since. When I call back to check the status of pick up, they can't give me an ETA and tell me to keep waiting. The average hold time to reach the merchant is 2 hours, so it is very difficult to call everyday. I have however spoken to them 4 times in XXXX. In the meantime, I received a statement from TD Bank, XXXX XXXX XXXX with a payment due. I tried to make a dispute for these charges since the merchandise is broken, damaged and non-working. The phone number to make a dispute refers me to a website. The website does not have an option to dispute. I called customer service for this credit account, who advised me that I must make payments. The merchandise is damaged. The merchant will not pick it up. The merchant will not communicate on a pick up date and TD Bank/ XXXX XXXX XXXX says I must make payments on this non-working, damaged item.
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am writing to file a complaint against XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX , XXXX ( XXXX ) My wife and I have a 15 year mortgage with TD Bank since XX/XX/XXXX. For less complex mortgage payments and lower costs, we chose to purchase our property insurance independently without the use of an escrow account. Beginning in the fall of XX/XX/XXXX after the annual XX/XX/XXXX renewal of our insurance policy, there has been a growing pattern of harassment by TD Bank to not accept or lose the submissions of the proof of our insurance while threatening to force place escrow-based insurance on our property. Every fall, we and our insurance agency, XXXX XXXX XXXX XXXX, must submit the insurance policy multiple times while TD Bank continues to mail first and second warnings of no insurance coverage and threats to force place insurance. This fall, the harassment was so blatant that I could only suspect that there were other motivations at work. I initially thought nothing of it when the banks administrative address for the mortgage moved from XXXX, Maine to XXXX, Ohio. When my insurance agency demanded to have confirmation of reception from TD Bank on XX/XX/XXXX, the emailed confirmation came from a XXXX email address. When, on XX/XX/XXXX, I received an escrow analysis dated XX/XX/XXXX, a full six business days after proof of reception of our insurance, I began investigating what could be causing this. This is when I now discovered a troubling relationship and is the basis of this complaint. XXXX XXXX , XXXX . has outsourced their mortgage administration to a company called XXXX XXXX XXXX XXXX , XXXX The outsourcing of this administration is not problematic. That this third party not only performs mortgage administration but also serves as an insurance company for escrow-based insurance is extremely problematic. This also appears to explain the growing pattern of harassment by TD Bank / XXXX to continually lose submitted proof of insurance by independently insured mortgagees. The recent move of the administrative address from XXXX, ME to XXXX, OH, the same city as XXXX indicates that XXXX now has full rein of the process with no supervision. If I were elderly or timid, the path of least resistance would be to submit to escrow-based insurance at more than three times the price. It appears that only after I began filing complaints with regulatory bodies and contacting my lawyer that the force placed insurance was vacated the following day. I strongly feel that consumers are being hurt and taken advantage of by this egregious conflict of interest. In the fall of XX/XX/XXXX, I fully expect this harassment to recommence. This practice is becoming tiresome and is transparently corrupt. This conflict of interest needs to be investigated and stopped and those clients who have been coerced into more expensive escrow-based insurance placed by XXXX need to be compensated. It was only through the confirmation email coming from a XXXX domain email address that I was able to discover the presence of this third party company that TD Banks clients are unaware of and the motivations for this behavior. During a phone call with my lawyer to XXXX XXXX XXXX XXXX , XXXX personnel, they only admitted to not be TD Bank personnel under duress and sounded quite uneasy with the admission. When further questioned about the insurance aspect of their company, they became even more uneasy and obviously wished to conclude the phone call quickly. I include copies of information of my situation. I ask that you please investigate this relationship and put a stop to this practice. Thank you for your help. Former Administrative Address : XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX, ME XXXX Current Administrative Address : TD Bank Its Successor and/or Assigns As Their Interests May Appear XXXX XXXX XXXX XXXX, OH XXXX Address of XXXX : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There was fraudulent activity on my account on XX/XX/XXXX. Unauthorized checks came through my account that I didn't write nor did I authorize anyone to write. ( Hence since Ive had the account Ive never written a check or ordered checks ) After 30 business days I have not gotten any correspondence or information on the status of the investigation. I was told initially I would be contacted in 10 business days. To date I've called, went to the branch on several occasions and to no avail no one seemed to have an answer on the progress of the investigation. I called today XX/XX/XXXX and spoke with a TD representative, she gave me the name and the phone number to the agent that was handling my case ( XXXX XXXX ), however the number happened to be disconnected. I am aware that after 10 business days if there is no resolution on the investigation than a provisional credit will be issued. I spoke to a TD rep on XX/XX/XXXX and was told that was not the case. At this point I am very frustrated ; this has been a financial hardship and a great inconvenience. I need my money to be returned and my account to be cleared.
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX i used XXXX to purchase a item from a women name XXXX XXXX i sent two transactions one trans for {$100.00} and one for {$100.00} The item that was sent to me was not the item i was suppose to receive the seller stopped contacting me I reached out to XXXX for a refund via email first and they told me my case was being reviewed after a week i called them and they would not honor because i didnt have a account with them i was just sent a invoice from them and told me i should dispute with my bank i was provided a provisional credit which was removed on XX/XX/19 when in fact i didnt not receive the correct item i didnt benefit from this sale i lost out on {$200.00} dollars and i need my money back
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I placed a dispute for a charge I did not authorize at all for {$130.00} which caused my account to go into the negative. The bank had the audacity to not even contact me to say it was denied which is crazy. I was given the run around by a representative and a manager. I had it up to here with TD Bank.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has been reporting unverified and inaccurate information about me to the credit bureaus. I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an account with TD Bank, they lower the credit ampount because of your non and slow monitoring of falsified information on crdit report. due non compliance of the law by creditor 's report say {$1500.00} was spent but amount onreport is lees and doesnt reflect this. In additon to this they have charged me and not in compliance to law and are attempting to loan shark, if this continues I will be force to close all accounts because their dishonesty.
Company Response:
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2019 I walked into TD bank in XXXX XXXX to withdraw my money that was deposited and cleared long ago. XXXX the Manager refused to give me my money because she said it was to big of an amount. She the. Said she could give me a couple of hundred dollars however I needed much more to pay my rent. She told me because she could not verify me even though I had my liscense that she wouldnt give me my own money.
Company Response:
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2019-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A