Date Received: 2023-07-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had just moved to XXXX, and was looking for a bank in the area. I googled online for for banks in the area, and ran across TD bank in XXXX, SC, that was offering a promotion as follows : " Earn {$200.00} when you deposit XXXX or more in new money within 20 days then maintain a balance of at least XXXX for 90 days from the date the deposit requirements were initially met " I went into the branch located at XXXX XXXX XXXX., in XXXX, SC, on XXXX XXXX, 2023, and met with XXXX, who was the gentleman who helped me set up and open my accounts, I explained I wanted to take advantage of the promotion, and he proceeded to explain the offer, along with the best banking plan, options, ect., that would work best for me. He explained to me that this was an online promo, which I did not know prior to coming into the branch, but said he could set it up with me in his office, and then send it through to the promotion dept. I opened a simple savings account and deposited XXXX, along with a checking acct. I spoke with XXXX later that week with some general questions about my accts, and also about the promo, and he assured me that everything was in place. In late XXXX of 2023, I moved back to XXXX Va, where there are no TD branches near me ; the closest branch in XXXX Va., which is over 3 hrs away. I call the banks customer service number, to let them know that I would need to close my account due to my move. As she was going over that procedure, I asked her when my {$200.00} promo credit would be deposited into my acct., since It had been past the 90 day requirement, in which the cust svc. repXXXX confirmed I had kept my savings acct balnce over XXXX for 90 Days, but the bank had until XX/XX/2023, to actually deposit the funds ; although I don't remember going over that detail with XXXX, when we over the promo details, It was in the fine print..lol I agreed to keep my accounts open for 2 more months to get my {$200.00} credit. The credit was not deposited on XX/XX/XXXX, as I was told per my call in XXXX. I called back to the cust. svc dept. on XX/XX/XXXX, and was told by that rep, that she did not know why it had not have been deposited, and would need to send my inquiry for research to their promo team and promised that someone from that dept. would call me back within 48 hrs., which is their Company Policy. Never received a callback ... .I called back the next week, spoke to another cust rep, who said she did not know why it had not been credited, and again confirmed that I had met the requirement, and again would need to have someone form their promo dept call me back within 48 hrs... again no one ever called me back. At this point, the atm fees I have lost, due to holding this acct open and needing to withdraw money, since XXXX, when I initially called to close my acct, are astronomical! I have made a total of 25 calls since XXXX, each time promised a 48 hr call back, this I confirmed with the cust svc. dept, and each and every call is recorded, and may legally requested if needed. In addition to my calls directly to the XXXX XXXX. XXXX, Ive made several calls into the XXXX XXXX, where I opened the account, to speak with XXXX, left messages for him to call me back, to no avail. On my last attempt to get some answers, resolve this matter, be compensated for what I signed up for and close this account, was on XX/XX/XXXX, when I demanded at this point to be transferred to a manager, I spoke with XXXX XXXX, who is the branch manager at the XXXX location. XXXX said she would need to do some research on the matter and get back with me... .I have no faith in that promise, as I have been dealing with this since XXXX, and about to take legal action if need be. I have attached an email that I sent to XXXX, which I have not heard back from at the time of this complaint, along with some other documents for review. Thank you
Company Response:
State: VA
Zip: 24501
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD bank is showing an account on my credit reports. This account had an initial delinquency date of XX/XX/XXXX However they are reporting the initial deliquency date as XX/XX/XXXX No payments or promises to pay have been made sense XX/XX/XXXX so this account should no longer be on my credit reports. re-aging is a violation of the FCRA
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: OnXX/XX/2019, I opened an account with TD BANK, via the web ( online ), it was approved. In total there were two accounts, one checking and one savings. I requested my debit card, it arrived and when I activated it by phone, they blocked my access to the account. From then until today, I have made thousands of attempts to get the problem resolved, including the solution that they closed my account and sent me a check to my current address and they tell me that they can not do it, that I must personally introduce myself to a branch. I had to leave the XXXX due to a family health problem to XXXX, and since then I have requested the reactivation of the account, even after having gone through all the identification mechanisms with the fraud department, with the customer service department customer. etc and the answer has always been that I must go through a branch. I told them that they could not be so closed because if I had a physical or circumstantial impediment that prevented me from traveling to the XXXX, they can not withhold money from me for as long as they want.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I open an account in TD Bank and deposit a check for {$38000.00}, has I waited for the check to clear but 6 business day. And once the time was up the bank decided to close the account and tell me the check was fraudulent. I reach out to the company whom gave us the check XXXX a annuity company to complaint that they had given us a fraudulent check and that's when XXXX gave us prove the check was cashed. After that the bank request copy of a surrender letter and statement of the annuity ; which was also provided to them. And now they came back to us telling us telling us there was a claim on the check. So we decided to call back XXXX and tell them the situation, and XXXX just didn't know what to tell us as they are open to discuss with the bank which the check os not fraudulent. This is going on close to 2 month and the bank will not provide us any information, nor return the funds. I don't really know why is TD Bank holding my funds.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. XXXX, account number, XXXX, inaccurate amount shown on the credit report. XXXX account number : XXXX, inaccurate amount shown on the credit report. XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. XXXX XXXXXXXX, inaccurate amount shown on the credit report. XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. XXXX XXXX Account closed company stop reporting and no longer in operation. XXXX XXXXXXXXXXXX XXXX Not my debt, do not know why or how this account exists on my credit report. XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report. Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. I look forward to a prompt resolution of this matter. Thank you for your assistance. Sincerely, XXXX XXXX.
Company Response:
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I Mobil deposited a check for XXXX on either XX/XX/XXXX or XXXX. TD Bank has a limit not to exceed XXXX in mobile deposits daily. The next day I Mobil deposited a second check for XXXX. When they appeared on my online banking App it showed under Pending 6 business day hold but no dates. That's the way it stayed until XX/XX/2023 when my available balance became XXXX. On XX/XX/XXXX, I called the bank to find out if they would release the checks early. I was told a form was submitted but there is no guarantee it will happen. Knowing I was leaving on a 2 day trip, I was checking my available balance, as was suggested to me by TD Bank. I called a total of 6 times on XX/XX/2023 checking my available balance with TD Banks customer service. I called multiple times on the XXXX as well. These calls are visible on my phone. EVERY representative told me the same thing on the XXXX and XXXX. Those checks were not in my available balance, they are still showing pending on 6 day hold. That is exactly what I was seeing, however, I wanted to be 100 % sure. Not too Ling ago I bounced some bill payments due to TD Bank taking it " At Bank Discretion m '' were the words they used, to pay ONE of my bills. They say you have XXXX XXXX to put the money in your account. The true problem was it did not show up on my online banking until the payment cleared. I had already spoken to that company and I was to make a double payment the XXXX of the month. So ... I paid the rest of my bills excluding the XXXX payment that I would make a double payment on. ( After I put money in the account ). What occurred was TD put a begative balance on my account, and when I deposited XXXX, they took it. TD Bank never advised me about the payment. I called to complain because now they put me back in the rear. To include their XXXX maintenance fee for balance going under XXXX. That is the exact reason I made so many calls to them. I knew my friend and I wete going to spend money at the casino we were staying at. I called and called. Everyone said not cleared. I looked as well. I was in the clear. NOT exactly. On Saturday, XX/XX/XXXX I checked my balance. I was told the checks were scheduled to be released on Tuesday, XX/XX/XXXX. I owe a XXXX bill, and a XXXX bill for the remainder of XXXX. I called, the gentleman from TD Banks customer service said there was a hold on my account placed by the casino. He said when the holds clear the mobey would be returned to me. I called back again to find out more about the hold. Once again, I was told those holds were by the casino. I was then told no mobey would be returning to me. I should go to my local branch and gave them explain that TD cleared those checks, and I have no money. I went to the branch on Sunday, XX/XX/XXXX. The banker sat at her desk, looked at my file and said yes, it shows casino put a hold. Then said, no one can put a hold on my account except for them. I told her everything that had happened. She called " the main office ''. She asked why was it showing the 2 checks were deposited and cleared on XX/XX/XXXX. That was a Monday. I did not deposit them on a Monday. The bank is open on Saturday and Sunday. Another problem is they will not show a continuing balance online. That would stop most of the confusion. The banker asked the main office when thec2 checks rmtruly cleared Mt account. They said they can not say, due to it defaulting to the day of the deposit. I didn't deposit them on the same day. She was typing on my account. I Dked her what she was doing. She would not answer. I asked her to put the banker she was talking to on speaker so I can gear the explanations. She did not even respond. She hung up the phone and told me the other banker said I spent all my.money. I'm furious because on XX/XX/XXXX, same day when I hot home I called and was told the checks cleared on the XXXX. A Wednesday. So why did my bank app show the same as customer service? Not cleared, not in available balance. The same thing on Friday the XXXX. The branch also told me they put the hold on my account. I demanded to kniw who made that false entry. I drove all the way back to the casino to demand answers. They said they put no hold on my account. When the branch was typing, she must have removed the hold because today, XX/XX/XXXX, the customer service supervisor said she sees no hold niw, or that one was ever in place. She did see the hold on the checks, but my statement, and the app shows a deposit and clearing of both checks on the XXXX of XXXX. All of us kniw that is impossible. My continuing balance numbers changed, but only in their records. Nothing changed in mine until the XXXX. I still didn't see the checks. It wasn't until today, did I see them deposit and straight into my account on the XXXX. That actually did not happen. So how do I know exactly what they did. We are blocked from seeing anyborebiius days on the online app. Just the current day. How do I kniw what really happened? Those checks showed on hold, then gone from the pending column, and a balance of XXXX. I can not pay my bills niw. I was told the branch manager would call today. She didn't. I called and was told she would call me back. She did not. All any of them said yesterday and today is, there was nothing they can do for me. So I'm out XXXX. Or XXXX, which is the amount they put on hold. Never advising me. But alliwed customer service tell me the casino put the hold on. I demanded in my numerous phone calls today for someone to listen to the recorded conversations to prove I'm telling the truth. I asked to speak to someone higher up. All I was told was there is no one left to talk to and get a supeona for the recordings. This is a XXXX based bank. Can they be removed from the United States, and sent back to XXXX. In the meantime how do I pay my bills. Things are going down. I can not stop it. How can a bank put entries in my account that are false? Doing thst changed all the numbers. XXXX would mist people know if they font advise their customers? Those XX/XX/XXXX entries are false. It should be the XXXX. If anything. It is all messed up now. I can not XXXX back and see it, they have changed the info in my checking. Can they do that?
Company Response:
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I had received a call from TD Bank using their phone number. I was told that there was fraud on my account and that I had to authorize a certain amount of money so that they could put it back into my account. I was asked to give my social security number, but no login information, which means that they were already in my account but needed a way to get the money out. I was told not to check my account for 2 days so that they could work through the situation, but I found out the put all of my money from my savings into my checkings and sent it in 4 payments using XXXX XXXX XXXX. They sent themselves {$1400.00}, another payment of {$2100.00}, another payment of {$2400.00}, and a last payment of {$2400.00}. I called the fraud department of my bank and they put in a dispute claim but it was unsuccessful due to the fact that I was tricked into authorizing the first payment. I am unsure where to go from here or if I can even get the money back since they tricked me into authorizing something, but {$8400.00} was my entire savings from my first year working at my career job and isnt something I am willing to give up without atleast trying different ways to get the money back. I am willing to talk to whoever I need to, to try and help me work through this because it has been a stressful month for me. Thank you.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My money and accounts are frozen in my savings account Im supposed to have {$15000.00} showing XXXX this is not fair their stealing my my hard earned money
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The TD bank credit card account XXXX that appears on my credit report was charged off in XXXX of XXXX and has reflected as such every month since XX/XX/XXXX until XX/XX/XXXX. The account now shows as being charged off in XXXX of XXXX and shows that I was 30/60/90 days late as recently as XX/XX/XXXX. This is incorrect information the account was charged off since XXXX, you can not be late on a charged off account and this is further negatively affecting my credit score as it shows I have recent late payments. Please remove this account for reporting inaccuracies to my credit report. I have attached images of the accounts reporting before and after I settled the debt.
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had an open auto loan with TD auto finance company that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXX XXXX While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from Td a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately made another payment to Td. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I am in the process of purchasing a house and this late pay marking has been detrimental to my credit. I have any control over TD Auto phone system. Nor was i aware that they were obviously having phone issues as a consumer. I am requesting that the call be listened to ( which will prove the error was on Td part ) and that my evidence of the 5 minute call be reviewed on my billing report from XXXX
Company Response:
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A