Date Received: 2022-10-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: TD Bank cashed checks drawn on my XXXX business ( XXXX ) account. These checks were payable to businesses and TD Bank allowed an individual to endorse and cash these checks. All three checks were cashed and endorsed by the same individual on XX/XX/2022. On XX/XX/2022, we discovered the a check was fraudulently cashed and put in a fraud claim through our bank- XXXXXXXX XXXX. To date TD Bank, the bank that cashed the check, has failed to respond or refund the {$10000.00} to our account. On or about XX/XX/2022, we received a call notifying us that two additional checks that were mailed to businesses were never received by those businesses. We discovered those checks were cashed on XX/XX/2022 by the same individual that cashed the {$10000.00} check. Each of these two new checks were in the amounts of {$1800.00} and {$2000.00}. Our Bank has now placed fraud claims for each of these checks too. XXXX has indicated that TD Bank is not responding to them. This account is an Interest Only XXXX XXXX XXXX ( XXXX ). These are client funds that must be refunded forthwith! TD Bank erroneously cashed three checks for an individual even though each check was made payable to a commercial entity. They currently owe our XXXX account a total of {$13000.00}.
Company Response:
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Thursday, XX/XX/2022, I opened a TD Beyond Checking and TD Savings account in branch at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, as I received a mail offer with bonuses for account opening and fulfilling a variety of criteria. The criteria for the savings account was to deposit {$10000.00} in the account within 20 days of account opening and maintain the balance for 90 days. Naturally, I linked my other external accounts to the TD accounts for transfers ( some of my accounts were older, so it would be good to concentrate my funds in a more central account ). I made a variety of transfers in the first week or so my account was open to work toward the {$10000.00} balance. Along the way, I made an internal transfer of {$6000.00} ( most of the available balance indicated in my online banking ) from the TD Checking to the TD Savings account ( as some of my external accounts could not connect to the savings account, so I deposited to the checking account first ). On XX/XX/XXXX, I found that a deposit from one external account was rejected with no explanation ( I already verified with trial deposits ). On XX/XX/XXXX, I was locked out of the external transfer feature altogether. On XX/XX/XXXX, I was locked out of my account with no access to my funds. Then, two deposits were returned to the original accounts, and deposits from two others were frozen and removed from my available balance, leading to the {$6000.00} internal transfer mentioned above somehow causing an internal overdraft with a fee. Throughout the week, I have called TD customer support, and they have been exceedingly unhelpful, unable to restore access to my bank account or give me access to my funds. I then went into the branch on Thursday, XX/XX/XXXX, and they were unable to restore access as well, though they did take in the request to review the account.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I was contacted by mail about a student loan consolidation service by a third party named XXXX XXXX who claimed to be affiliated with the US Department of Education. I beleived them to be legitimate with the way they presented themselves but after further investigation they are a scam either way I am already out {$390.00}
Company Response:
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello XXXX, someone I know told me hes do a business in the USA with another man and the person supposed to send him money but for some reason the transaction didnt go through so if he can use my bank account to receive the money and and send it to him which I agreed.so I received the money and then wired it into his account 3 weeks later I noticed my account is on negative I contact my bank, they told me the person that sent the money has recalled his money back in which my bank didnt inform or said nothing.so at this point my back has frozen my account getting to a month now i dont have access to my money and i feel like am been a victim to fraud but my bank is not helping me, my bills are backed up and its frustrating so am filing a complaint against my bank which is TD Bank .thank you!
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, charges were made on my TD Bank debit card account ending in XXXX in the following amounts by a company called XXXX : {$480.00}, {$500.00} and {$100.00}. I did not have anything to do with these charges. The fraud also occurred simultaneously on two credit cards of mine. The company name changed once it processed on the bank statement to XXXX XXXX XXXX XXXX XXXX. After one of the credit card companies called me to inquire about what appeared to be fraudulent activity on my credit card with them, I checked my bank account online and saw fraudulent activity as well. I called TD Bank immediately the morning of XX/XX/2022, to report these unauthorized charges. The representative confirmed she would put a hold on my debit card and she assured me I would be notified that once the transactions were posted, TD Bank would contact me with an update. The reference number is : XXXX. I have not heard from TD Bank fraud department to date. On XX/XX/2022, I went to TD Bank located at XXXX XXXX XXXX, XXXX XXXX NY XXXX, and spoke to a representative named, XXXX. He issued me a new debit card and assured me I would hear from the fraud department within two weeks. I have not heard from anyone at TD Bank unless it is me calling to which I am told that I will hear from them. It has been over a month since I asked TD Bank to reinstate my money into my bank account that was removed because of these fraudulent charges. Please note when I was at the bank getting a new debit card, the {$100.00} charge was removed before posting to my account. Thank you!
Company Response:
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Hello, I am filing a complaint against XXXX for the customer service I received and the reporting of missed payments to my credit profile. There was a late payment reported to my credit profile for the XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have sent emails, letters and promises to remove via phone calls on multiple occasions without a response from this company or them actually doing it. I have suffered a tramatic loss and have explained that to them just for them to leave me unanswered. I truly enjoy shopping with XXXX but I am sick at their customer service and their lack of empathy in the matter. this is causing me a great deal of stress and XXXX and XXXX has shown that they do not care or listen to their customers.
Company Response:
State: CA
Zip: 95841
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I see that there was an inquiry on my credit report for the TARGET CREDIT CARD from TD BANK USA that I did not authorize. I did not apply for this card and believe I was the victim of identity theft.
Company Response:
State: AK
Zip: 999XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I received a call from Nordstrom Card Services from a lady by the name of XXXX. I had reported several charges amounting to over {$27000.00} to them that I found on my statements from the same merchant over and over. I made it clear to them this is not a dispute for a charge I made but rather a completely fraudulent charge, she proceeded to tell me due to the time limit she could not find enough evidence that these were fraudulent. I asked why cant she directly call the company that made these charges to see why I was charged and find out who charged my card. She said she wasnt going to do that. She repeatedly told me untrue facts regarding the guidelines for fraudulent charges and then when I made her aware I knew what the guidelines were she changed her story, i did not make these charges they are 100 % Fraudulent and Im asking them to prove they are not fraudulent but instead shes wants to just say she cant label them fraudulent or credit my account. Every company has a way of going to the merchant to prove why these Charges were made Nordstrom has not even done that. Their policy is 0 % liability for fraudulent charges and that is false advertising. I demand a full investigation into these charges and want to be credited back my money I paid them. The same merchants have charges 6 other credit cards of mine and I have filed those as well, I offered to send her proof of that she said that wasnt good enough.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Target red card with TD Bank was settled with their XXXX party agency XXXX and has not been updated on my credit report to show a {$0.00} balance.
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I created a debt management plan through XXXX. I signed up with this program early XXXX and proposals were sent to each creditor. Each creditor accepted the proposal and agreed to accept payments through XXXX. Nordstrom marked my payments as being late after agreeing to the proposal.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A