Date Received: 2019-01-24
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, I submitted a request to have a stop ALL placed on a payment from XXXX XXXX XXXX in the amount of {$150.00}. This payment was presented to my account on XX/XX/XXXX and was not credited back to the account until almost the end of the day on XX/XX/XXXX. Because of this unexpected delay, I incurred an overdraft fee due to a previous bill I had set up being sent through on XX/XX/XXXX. The overdraft was submitted to my account on XX/XX/XXXX. I submitted a request through the online messaging system to request to have the overdraft refunded due to the delay in TD bank returning this payment to me that was from the original stop all. The first person who responded was completely incompetent and took more than the 24hour notice I was told it would take to respond. They did not even acknowledge the right stop payment and referred to a payment from XXXX in the amount of {$300.00} from XX/XX/XXXX. Not even the right year. They said no stop payment was placed and immediately denied the refund for the overdraft. I immediately responded back correcting them of this and requesting to have this fee overturned. Again, I was told that this was not TD banks fault despite the delay. I then responded again and next representative tells me that the matter had been resolved over the phone. This is completely untrue. I spoke with a TD bank Representative by phone for a totally separate matter. Yes it was related to XXXX XXXX but it did not involve this overdraft fee. I responded back once again and was told that my account was not eligible for an overdraft fee refund. This is despite this being TD 's fault for significantly delaying when this payment would be credited back to me. Furthermore, I do not understand why if I am putting in a stop payment for something, why I am punished when that initial debit comes from the account. This makes no sense to me. I wish to be refunded the {$35.00} for this matter.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2019-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have spoken to several members of management regarding my Nordstrom Visa application. Because of my fraud Alert they requested of me twice my DL, SS Card, And Utility Bill with my name and address on it. I get one member of Credit willing to help me get approved and I believe that I am being definitely being treated unfairly. My credit score and documents match up why do they keep declining me.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2019-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I called on XX/XX/19 to try and settle a credit card debt with Nordstrom. I then asked, is there a way we could come to an agreement to get the debt off of my report in order to bring my score up and open up a line of credit with the Credit Union. The lady insisted that the account was closed and would reflect as a negative impact on my credit for several years. After tireless discussion she then said " You can call back at the 7 year mark to get it removed ''. I opened the account not knowing the repercussions of spending and not paying off the debt. I was young a clueless about credit and its negative affect later on in the future ( Today ). I was even willing to pay the debt even though its been 3 years, 1 month, and 26 days. She could have worked with because I've gotten things off of my credit before. I actually negotiated a fair amount with two other debt collections, so I know it's very much possible for this negative account on my credit to be removed.
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2019-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Multiple contacts with TD bank were left without action by the bank, even some were not recorded. Latest complaint was made on XX/XX/2019 with XXXX XXXX in Chairman office who informed me that the bank likes to track customers ' IP addresses if they are abroad. From me the bank is asking for telephone number, otherwise blocking access to my account. This is an outrageous violation of privacy, rights and freedom of customers.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2019-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: TD Bank goes out of their way to find creative ways to charge customers overdraft fees. I was at dinner on a Saturday and checked my app before paying a bill. The app showed a balance that was enough to cover the bill and I left a cash tip. I then made cash deposits to my account on the next day Sunday as my balance was running low. I wound up getting charged an overdraft fee days later because TD said that my balance after the dinner was negative ( again app doesn't show that ) because they went back and posted a gas charge that originally came through as {$1.00} and was finally submitted by the merchant as {$45.00}. I had the cash in the account well before the {$45.00} posted. I find this practice misleading as the available balance never went negative and yet I am charged on a back dated transaction even though the merchant didn't charge my card the {$45.00} until several days later. The dinner charge was on Saturday XX/XX/19 and posted on XX/XX/19. I have worked with other banks before and I know they do not charge an overdraft fee in this case. However, TD seems to do whatever they can to charge you. I tried escalating within TD and all I had were reps telling me that I didn't have enough available to cover the dinner essentially telling me I am lying or blind as I know what I saw. I told them I know what they are doing with the backdating of transactions which is misleading and deceptive.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2019-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I already filed a complaint for fraud. We had over {$20000.00} taken from a checking account with TD Bank with no alert at all. Most recently we got a letter stating we were late two months and after trying to call because we are 'locked out ' to sign in online because of the fraud and the issue with the theft of the funds ... .I couldn't see what happened. I then asked to be connected to the IT dept and both depts said we needed to go to a branch. We go to a branch in XXXX XXXX XXXX NJ and both managers had to wait on hold ... .only to tell us the XXXX had been posted 'wrong ' and the XXXX payment just posted. Again all very suspicious!!! This company needs to be investigated, the service is awful but we have had issues every few months with payment postings, theft, etc. I had to leave the branch as we were there too long but after telling us again this was their fault they couldn't even provide proof that our credit wasn't affected that our late fee was removed and that the bill is current. They said they can not email stuff like that. OMG!!! I emailed their corporate office also. We can't get another mortgage to pay this off since the rates went up so we are stuck for a few years.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Due to a change in my employment and XXXX kids entering college 2014 I had attempted to work with two banks that I had lot loans with in an effort to lower the monthly payments. They could not or would not work with me to construct a proactive solution to my financial issues. I then had to make a decision to assist my children or keep paying into the lot loans. Of course I choose my children and so I let the lots or into voluntary foreclosure. Fast forward to no and one of the loans through XXXX XXXX XXXX has been resolved but TD bank is now reporting that I owe XXXX as an immediate payment. They are reporting that I owe this every month which of course throws off my debt to equity ratio. They didi not wave the deficiency judgement when it was foreclose on so I do owe this money but I believe how they are reporting it is malicious. Even though my credit blemishes are explainable the way this is entered has precluded me from getting any kind of loans for debit restructuring.
Company Response:
State: SC
Zip: 29588
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I bought a car from XXXX XXXX XXXX in XX/XX/2017. I wanted to buy a XXXX XXXX but was forced to buy a more expensive car so their salesman could receive a better commission with no consideration of my needs. I bought a XXXX XXXX XXXX which was too expensive for me but I needed a better car. It was financed by TD Bank and I struggled to make the payments each month. In XX/XX/2017 I moved to a different part of the state. In XX/XX/2017 Hurricane Irma hit Florida and because I could not afford to buy a generator the power went out and stayed off for 10 days. I lost all my food in my refrigerator and had to replace it. I filed a claim through FEMA but was told they do not replace food. I was not able to work and my HOA for this house does not allow home businesses, even selling online is not allowed. I attempted to refinance my XXXX but was unable to do so. In XX/XX/2017 TD Bank repossed my XXXX and auctioned it off. But I received a letter that I still owed over ten thousand dollars on a car I no longer have.
Company Response:
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2018 I was paying my rent via my apartment complexes online at https : XXXX I was trying to submit my half of the payment for rent which is XXXX. While trying to pay only my half, the online portal then took out the full amount and put my account into overdraft. I immediately called TD Bank to tell them that this was an accidental transaction and to put the funds back into my account as soon as possible, as well as to inform my apartment complex about the transaction even though they assured that they do no provide refunds even though they knew of my situation financially. That same day TD Bank then told me to provide documentation regarding this transaction to their Disputes and Claims department via Fax number XXXX. I called a representative thinking that I had enough documentation to resolved this issue, this costumer representative was obviously extremely ignorant and incompetent, because a few months later on Tuesday XX/XX/2018, I wake up to see {$1000.00} taken out of my account and my account put into overdraft a week before the XXXX season. The overdraft fees then piled up to an extreme amount of {$350.00} ( which I only have received {$170.00} ) and I also had my whole paycheck in the amount of $ XXXX go completely to overdraft fees. In the beginning of XX/XX/XXXXafter New Years Day, I went straight to a branch to resolved this matter because I received a phone call from the Fraud Department ( which this was not a case of fraud by any means ) saying that they did not get all the listed documentation I needed to provided even though I faxed it to the Claims and Disputes department weeks before hand. Upon arrival not only am I in line waiting to send these documents before XXXX, as soon I get a chance to speak to a teller and tell this individual my situation, I get interrogated and somehow my roommate is dragged and she has the nerve to blame him fort their mistake. This is not how customer service should be, and I want all my money back in full.
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2019-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-17
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/19 I did a deposit in the amount of {$9000.00} in my checking account at the Td bank in XXXX located at XXXX XXXX XXXX are code XXXX. The check was made out from the XXXX XXXX XXXX XXXX for my loss wages because I'm a victim of a XXXX XXXX XXXX. Prior to me depositing the {$9000.00} check I had a balance of {$220.00} in my checking account. The next day on XX/XX/19 I called the bank around XXXX XXXX-XXXX and I had a balance of XXXX. Therefore, I went to the Td bank located at XXXX XXXX XXXX in XXXX, Ct XXXX because I know that they have large bills there, I wanted all {$100.00} bills. So went there so I can withdraw the funds of {$7000.00} from the teller and she said it wasn't a problem then she said she have to get an override. So that's when a lady name XXXX XXXX, financial services representative, said she had to verify the check. They started treating me unfairly and I asked her why do she need to verify the check if the funds had already been released so then I told her I didn't want her to verify anything because I didn't give her permission to look into my account because it was suspect to me why she would need to verify a check when funds was already released into my account. She then went into the office of assistant manager XXXX and they both were being rude treating me unfair saying they had to verify the check so I told them to give me the withdrawal slip back because it was strange to me that they would need to verify something that already was verified. So eventually they gave me the withdrawal slip back, I then went into my car to call the Customer service call center at XXXX at around XXXX XXXX and I explained to Mrs. XXXX at the XXXX call center in Maine about my situation and she then spoke to her manager named XXXX and she told her to tell me to go to the bank where I deposited the check which was at XXXX XXXX XXXX in XXXX, CT to do the withdrawal and that they shouldn't give me a problem. I went back into the XXXX location because I was still sitting in my car outside that location to tell them what XXXX had told me but XXXX was still giving me a hard time saying she was still trying to verify the check. I know Mrs. XXXX told me to go back to the bank in XXXX to withdraw the funds where I deposited the check but I just wanted to try and see. So that didn't work out. I went to the XXXX location to withdraw the funds with the teller XXXX and he said he had to call his manager So then the manager came over name XXXX XXXX and she also gave me an hard time after I was explaining to her that Mrs. XXXX spoke to her manager XXXX and they said that they spoke to the manager at the XXXX location which at the time was XXXX XXXX. She was also being rude saying nobody spoke to her and that she needs to verify the check then I kept telling her what Mrs. XXXX and Mrs. XXXX said then all of a sudden she got rude and said there's no funds available. I went back in my car to call the customer service again to tell them what happened and see if I can talk back with Mrs. XXXX or Mrs.XXXX. I found out that my balance was now XXXX and the lady I was speaking to was very rude on the phone saying I couldn't speak to them. I had to hang up cause she was very rude saying she was the manager in XXXX, Maine. So then I called again asking why my account is saying XXXX when it just said XXXX about half hour ago. They told me that my account had a restriction on it from the fraud dept. and I kept asking them why I didn't do no fraud and never did. They still kept giving me a hard time. I spoke to someone named XXXX also and they all gave me a hard time. I finally went to the victim services to explain what was going out with the check and I spoke to Mrs. XXXX XXXX, Fiscal administrative assistant 2. She was very nice and helpful she called the bank to try to explain to them that there was nothing wrong with the check and she couldn't get through to the manager. I stayed there for close to an hour. I broke down crying because they've been putting me through a lot of stress the whole day. It was now around like XXXX XXXX. I went home for a few mins called the customer service again still the same thing and I explained to my mom what was going on my mom was also upset that they was treating me that way she spoke to the lady on the phone but still nothing. So I called the XXXX branch again and spoke to XXXX and I asked her why did she put a restriction on my account and she said she didn't do it that the XXXX branch did it. So I went with my mom back to the XXXX branch to ask Asst mgr.XXXX why did she put a restriction on my account that she had no right to put a restriction on my account. Then she kept saying about verifying the check. She then put the XXXX back into my account that I originally had in there before depositing the check but then I asked why didn't she put it back the was it was before I first came into the branch which was {$9300.00}. She stated she needed to verify they check because the amount and I said if the check was already verified and the funds was released you had no right to do that. So I waited in my car for about an hour then I had to leave because I had to pick my niece up from the bus stop. I called the customer service number again because they said someone put a hold on the check and that they put into the notes steps they need to do to remove the hold but still didn't do. Mrs. XXXX XXXX spoke to XXXX XXXX and answered questions about me and said she would try to release to the check sooner because XXXX and XXXX was saying it takes up to 10 days to get the check cleared. but I knew that they weren't telling me the truth. So I called some lawyers to see about a claim for racial discrimination. The time now was around XXXX XXXX close to XXXX. I call two different law firms and the second law firm told me about the CFSB website to make a complaint. So I called the XXXX location and I told a guy that I wanted to speak to XXXX to see if she took the hold off the check yet and that I was going to make a complaint because I called one of the times earlier that day and spoke to a guy and said XXXX was on lunch and that he would have her return my call and she never did that was before I went back there the second time. So I told him I was going to make a complaint to the CFSB. A girl named XXXX called me back saying she had good news that they took the hold off and for me to come down to get the money but earlier that day that same girl XXXX called me and said she would try to have it ready tomorrow which was going to be XX/XX/19. So I called the Customer service number to check my balance and the balance said XXXX. I called them again and asked XXXX if the money available why my balance still say XXXX she said because we thought by time you got here it will reflect on the account. I said ok and hung up she called me back in about five mins and then said it was showing in my account. If I hadn't told them I was going to make a complaint that would not had took hold off the check. I didn't get done with everything until around XXXX XXXX. So it took all day and a lot of time out my day from things I had to do. and the rudeness and they treated me very unfairly
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2019-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A