Date Received: 2019-06-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In regards to prior filed complaint XXXX, TD Bank of XXXX NY once again failed to keep their word to a costumer after failing to do their job initially. The original amount of {$5400.00} that was promised to be returned after they failed to ID an unknown costumer, was NOT fully reimbursed as they stated it would be. The amount that was refunded was {$5100.00} which is {$250.00} PLUS INTEREST short of the initial amount. This problem has occurred nearly 10 months ago and they have still not managed to clear this matter up.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/19, I called TD customer service to first check on status of never received replacement card requested via mail months ago and also requested annual fee reversal due to non receipt of new card. The initial rep had given me incorrect info and what I feel was a lie when saying she did not have access to My acct. she also told me I could go to any td bank branch which could offer instant replacement which was not correct after speaking to supervisor. Supervisor lead me to Believe that she would advocate for fee reversal to earlier unpleasant experience with earlier rep
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited a Social Security check in the amount of {$2900.00}. This is a government check and according to Reg CC Funds availability, ALL of these funds should be made available same day. On XX/XX/XXXX, I notice that TD Bank is holding {$2700.00} making only {$200.00} available. I called and their answer was because I made the deposit in person and not electronically, they could hold all but the {$200.00}. That's not what the Reg states.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am tired of the bank taking money from me in fees intentionally. I let them do it once before but this has gone way too far. I am being charged for items that don't even post to the account. Not to mention I put the cash in the account before I spend it to ensure that it is there. I have a witness this time that saw me put the money in the account and I took a screenshot of the funds before I made the purchase. This needs to be addressed as it takes advantage of consumers like myself. I don't work to pay fees to the bank. I am sad that I have even added them as my direct deposit for work just because of this. Charging for items not even posted to the account when I can't ' even dispute a transaction that has not yet been posted is a setup. I use the app to manage the account and now the bank is telling me that it is not an accurate source. I agree to have owed 2 fees and some money but not {$600.00}, that is just crazy. They took over {$100.00} in fees the week prior. I will fax over the items I have and a statement may also be attained from my witness if needed. Lastly, items that are not in a preauthorization status are able to be withdrawn and has me in trouble now with XXXX. The bank also allows them to hit the account without permission. The bank picks and chooses when and what it wants to pay and that is not right. However, my concern is the fees that were allowed to be taken from me when I am trying to build a good banking relationship in good faith.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: THE FOLLOWING ISSUES ADDRESSES OF THE REPORTING THE MAXIMUM DELINQUENCY DAYS AND IS A DIFFERENT ISSUE AS THIS IS NOT A DUPLICATE COMPLAINT. TWO ISSUES LISTED BELOW FIRST ISSUE XXXX XXXX, has ignored my requests to correct and investigate, as in reporting to my credit file where the Maximum Delinquency of 30 days in XX/XX/2016 for creditor TD Bank USA/Target Credit # XXXX. SUPPORTING ATTACHED DOCUMENTS Item 1 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status OK. Item 2 ) TD Bank USA/Target Credit # XXXX Maximum Delinquency of 30 days in XX/XX/2016. Account status. Item 3 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status. C/O Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. WHEREAS, Items 1, 2 and 3 are in violation of the Federal Bankruptcy Code as the Account status for XX/XX/2016 can not be reported. Account status for XX/XX/2016 can not be reported as Delinquency of 30 days. Account status for XX/XX/2016 can not be reported as C/O as the account was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016. The aforesaid periods were in Bankruptcy Protection where XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. POST Dismissal of XX/XX/2016, TD Bank USA/Target Credit # XXXX under the Federal Bankruptcy Code as the account was in the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by TD Bank USA/Target Credit # XXXX. SECOND ISSUE XXXX XXXX, has ignored my requests to correct and investigate, as in reporting to my credit file where the Maximum Delinquency of 60 days in XX/XX/2016 for creditor TD Bank USA/Target Credit # XXXX. SUPPORTING ATTACHED DOCUMENTS Item 1 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status OK. Item 2 ) TD Bank USA/Target Credit # XXXX Maximum Delinquency of 30 days in XX/XX/2016. Account status. Item 3 ) TD Bank USA/Target Credit # XXXX Maximum Delinquency of 60 days in XX/XX/2016. Account status. Item 4 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status. C/O Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. WHEREAS, Items 1, 2 and 3 are in violation of the Federal Bankruptcy Code as the Account status for XX/XX/2016 can not be reported. Account status for XX/XX/2016 can not be reported as Delinquency of 30 days. Account status for XX/XX/2016 can not be reported as Delinquency of 60 days. Account status for XX/XX/2016 can not be reported as C/O as the account was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016. The aforesaid periods were in Bankruptcy Protection where XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. POST Dismissal of XX/XX/2016, TD Bank USA/Target Credit # XXXX under the Federal Bankruptcy Code as the account was in the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by TD Bank USA/Target Credit # XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2019 my credit card account was hacked by an impostor. He/she changed the account address, added another authorized signer and redeemed about {$800.00} worth of reward points into cash and wired it to a checking account. I found out about this XX/XX/XXXX. Matters were straightened out except for filing a police report. The people at TDcardservices said the police department should fax to them in their official letterhead what information they required to fax # XXXX XXXX XXXX Today XX/XX/XXXX, at substantial inconvenience, I went physically to the XXXX, Florida police headquarters which is were I had been told theft reports are to be filed. According to the Police I should obtain from TDCardservices an incident report and give it to the Police. I explained to them what TDcardservices said. It didn't matter ; they will not fax anyone anything I am caught between the two. No one seems to be concerned about catching the perpetrator, and I am missing an official, valuable record of what happened.
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account with TD bank at XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2018. During which time they were running an online promotion for {$300.00} bonus if you open a new account with the bank. So I opened an account and met all the requirement to receive the bonus, confirmed by the corporate representative and TD Bank branch manager XXXX. However, to this date, I still havent received my bonus. I have called the branch throughout last year to raise my complaint, I have spoken with XXXX and XXXX, numerous times who promised would have this matter resolve. Nevertheless, every time I called, all they call tell me is they're working on it. They couldnt tell me how long the process will take, or when will this issue be resolved ( which has been over a year ). All they can tell me is to wait. And one time they told me they have no records of the promotion, so I provided them a copy of their promotion that I was eligible for in 2018 on their TD bank official website. I havent heard back from them ever since. I have made numerous calls to TD bank corporate and the TD bank branch in XXXX, but all they can tell me is to be patient. I was supposed to receive what they promised a year a go and I still havent. The behavior of the bank is extremely unethical and they're false advertising the promotion so the customers would open bank accounts with them.
Company Response:
State: MA
Zip: 02478
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I went to TD Bank in XXXX XXXX, CT and opened a TD Growth Money Market account with over {$20000.00} in XX/XX/2019 and was told by the representative when I opened it that after 90 days, I would receive a {$200.00} bonus -- I was given a copy of the new appl with the same information written in it and circled by the representative.After 90 days, I went to the branch and was told I had to wait until 125 days from opening the account for the {$200.00} to be put in my account.I went back in XX/XX/2019 and was told they will check into it-then I was asked if I brought a mailer in when I opened the account-told them I don't remember- it was 6 months ago-they said if I didnt have the mailer, they wouldn't pay the {$200.00}. I told them when I opened the account I was told I would get the {$200.00} by the representative and I had the paperwork showing this also. This bank is hoping clients will not follow up on their bonuses and this is a very fraudulent banking practice -- I am very disgusted with TD Bank and the way they do business -- they try to get out of paying their clients after promising to do so. I have also contacted the Banking Dept/Office of the Comptroller to submit complaints as to their fraudulent business activity.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I Made a Check Deposit at TD Bank ATM From Social Security {$800.00} and My Check and the Funds Was Available XX/XX/2019 and TD Bank Place A Verification Hold On My Check for the Check {$800.00} and made my account into Negative {$580.00} with 2 Overdraft Fee Of {$35.00} Dollars Please Help me with this Problem i dont know why TD Bank Did Cause This Problem into My Account.?
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX Consumer Financial Protection Bureau : Complain I would like to complain about my international wire transfer at TD bank branch located at XXXX, CT. I went to the bank on Saturday XX/XX/2019. I wanted to sent XXXX XXXX USD to my mother in XXXX. While at the bank I pointed out clearly that I wanted my mother to receive US dollar the same currency that I was sending. The bank employees confirmed that yes the money will be received as US dollars in a foreign account. I even double checked it with the XXXX CT branch manager XXXX. On Tuesday XX/XX/2019 I was informed that the money was received in my mothers account in the bank in XXXX. But unfortunately the money that was received was not in US dollars but instead in Polish zloty ( PLN ) currency not as agreed. Because of this the money form the wire transfer was converted in banks exchange rate which was lower that the common exchange rate that I could get outside the bank, because of this conversion a great deal of money was lost. I believe that it happened because of some mistake that happened when the money was wired out of the TD bank. On Thursday XX/XX/2019 I talked with XXXX XXXX and XXXX XXXX the employees of the TD Bank in XXXX about this wire transfer. They said that they set up the transfer correctly so that my mother would receive US dollars. They could not explain why it happened they suggested that the recipients bank account bank account was not a US dollar currency account. This is not true the recipients bank account is a US dollar currency we transferred USD money successfully in the past from a different bank account and we never experienced problems like this in the past. Well, the main point is I not happy with the service that I received at TD Bank branch in XXXX CT. The people lacked the professionalism and courtesy that I expected form banking professionals. I feel I was misguided. Please tell me what can be done to resolve this matter and solve this problem. I willing to answer any questions you may have. I am looking forward to your reply. Sincerelly, XXXX XXXX
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A