TD BANK US HOLDING COMPANY
Consumer Complaints
There are over 10902 complaints on file for TD BANK US HOLDING COMPANY. Dated between 2019-12-04 and 2011-12-01.
Complaints Page 166
2017-11-08
Wallington, NJ
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Complaint: On XXXX XXXX I made {$30.00} XXXX wire transfer to my dollar account in XXXX. I asked for dollars to be send. Despite all assurances that dollars will be sent the bank officer who was the branch manager by away, converted the dollars into XXXX currency charging XXXX XXXX conversion fee and sent XXXX currency to XXXX.
As a result instead of receiving XXXX dollars less {$25.00} fee by XXXX bank which is {$29.00} XXXX I received XXXX XXXX which is XXXX loss.
During the transaction I noticed exchange rates on the receipt and I thought they not supposed to be there because this is XXXX XXXX dollar transaction .I asked the officer why they are there. She said " Oh dont worry about that. I 'm sending dollars .That is there only for information ''. As I later found out that was the exchange rate of the transaction because she was sending XXXX not dollars besides all assurances .And that was the branch manager of TD Bank XXXX XXXX XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX
She lied causing {$1800.00} loss on mu side.
I made similar transaction in XXXX XXXX for XXXX XXXX dollars that was done correctly.
The same banks, the same accounts.The one done in XXXX was XXXX XXXX dollar transaction, no exchange rates on the receipts, no mention about XXXX XXXX.
I spoke to TD Bank customer service also XXXXThey said " they sorry, they understand, they can not help. '' that " I should go to another bank and ask. '' They happy with stolen XXXX dollars I think.They do not intend to fix the unauthorised money conversion.They do n't even admit to wrongdoing even thou I have the proof an a paper. They 're thieves.And fact that this was done by a branch manager, that is just disgrace.
Company Response: Closed with monetary relief
2017-11-08
Saint Petersburg, FL
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Closed with monetary relief
2017-11-07
Accord, MA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: TD Bank opened a new credit card i did not ask fpr without my permission and without notifying me or my wife.
Company Response: Closed with non-monetary relief
2017-11-07
RI
Managing an account
Checking or savings account: Checking account
Fee problem
Complaint: I signed up for an online convenience checking account on XX/XX/XXXX per a promotion that clearly stated TD Convenience Checking : {$150.00} Bonus Minimum Deposit : $ XXXX Monthly Fee : {$15.00} Minimum Balance : {$100.00} Offer Expiration Date : Unknown Earn a {$150.00} bonus when you open a TD Convenience Checking account and receive {$500.00} in direct deposits within the first 60 days. Although this account doesnt earn interest, it includes free mobile banking and deposit, online banking and a discount on your first order of checks.
I received 3 direct payroll deposits : XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX DIR DEP XXXX XXXX XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX DIR DEP XXXX XXXX XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX DIR DEP XXXX XXXX These clearly add up to {$500.00}, and also add up to the {$2500.00} for the {$300.00} promotion and although I didnt open the checking account for the {$300.00} promotion I believe due to all the hassle and waiting, that I deserve the {$300.00}.
The promotion goes on to say in the fine print : *Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank , open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Premier CheckingSM account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a XXXX. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible.
The bank workers that I have talked to ( mostly someone named XXXX in the XXXX, RI TD bank ), has come up with one excuse after another. At first I was told it would be in my account on XX/XX/XXXX, which would have been close to 95 days. XXXX and someone from the telephone center have told me that on separate occasions. Apparently, XXXX emailed the promotion center and they first told me I had the wrong bank account : NO. Then, the promotion wasnt around then it just started : NO, I brought him to a webpage that directly disputed this and he had nothing to say. XXXX and his promotion pals keep coming up with excuse after excuse and wont return my phone calls so I have to call until he " isnt busy ''.
Company Response: Closed with explanation
2017-11-07
Brant Lake, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-07
NY
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: I Was Charge for and Authorize Transaction From XXXX {$700.00} TD Bank opened a dispute and the dispute was denied there was previous XXXX Transaction and they there credited to the account and i never gave $ XXXX permission to charge my account TD Bank Denied My Dispute
Company Response: Closed with explanation
2017-11-07
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2017-11-07
Poughkeepsie, NY
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: XX/XX/XXXX ATM DEBIT XXXX XXXX XXXX XXXX XXXX XXXX {$22.00} XX/XX/XXXX PURCHASE AUTHORIZATION XXXX # XXXX {$700.00} XX/XX/XXXX PHONE TRANSFER To CHECKING XXXX {$400.00} XX/XX/XXXX XXXX XXXX XXXX {$26.00} ON XX/XX/XXXX THEY DID A TRANSFER OF {$400.00} TO ANOTHER ACCOUNT THAT I DID NOT AUTHORIZE AND LABEL IT PHONE TRANSFER WHICH IS FRAUDULENT STATEMENT THIS IS NOT THE FIRST TIME THEY HAVE DONE THIS IT THIS WAS TO COVER A BALANCE THAT I HAVE NO IDEA WHAT ITS FOR I HAVE REQUESTED INFORMATION ON THE DEBIT AND HAVE RECEIVED NO RESPONSE THEY CLOSED ONE ACCOUNT THEN MONTHS LATER REOPENED IT SAYING THERE WAS A BALANCE ON IT. THEY NEVER GAVE ME PROOF OF WHAT THE BALANCE WAS THEY THEY RESTRICTED ONLINE ACCESS TO THE ACCOUNT SO I CAN NOT EVEN SEE WHAT THEY ARE DOING WITH THE ACCOUNT
Company Response: Closed with monetary relief
2017-11-07
Wrentham, MA
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: FAXED XX/XX/XXXXTO TD BANK MAINE at XXXX 1. TD Banks Mortgage Department has egregiously and systematically repeatedly refused to reconcile and detail how they have arrived at a {$4500.00} charge on HELO account XXXX.
2. TD Banks Mortgage Department figures do not add up. Factually, they are minus {$2100.00} in favor of Plaintiffs ( see 7 ).
3. TD Banks Mortgage Department has consistently and with an intentional systemic policy referred this complaint to others who can not answer, will not detail nor can they explain the delta difference of {$2100.00} 4. TD Banks Mortgage Department has designed a system to encourage mathematical mistakes in their favor by enabling a system-wide, silo-communications only. This method forces the customers, who notice an error in computation of charges, to wade through specialized pillars of employees who do not communicate with each other and have only one part of the problem they are allowed to address. This creates a time lag and TD fees which begin to mount in TDs favor.
5. TD Banks Mortgage Department threat of retaliation of late charges/reporting discrepancy to the credit agencies such as XXXX ; thus, forcing the Plaintiffs to pay the incorrectly amount of {$4500.00} ( see Exhibit 2 ) 6. TD Banks Mortgage Department has used expired authority to inappropriately to take funds then when brought to their attention reversed their action ( see 6e and 7 below ). TDs previous behavior in the past is similar to XXXX XXXX as it relates to false credit card accounts. This is mentioned only to support the argument of inseparable and inappropriate banking-conduct to exhaust their customers into submission at great costs to their clientele resulting of increased profits to TD.
TD BANKS MORTGAGE DEPARTMENT INTENTIONAL MISDEEDS IN CALCUATIONS a ) TD intimidated Plaintiffs without justification and authority into paying {$4500.00}. ( see Ex 2 ) b ) TD refused repeated attempts to exactly detail the amount ( s ) charged.
c ) TD without authority nor explanation took {$2600.00} of the full payoff of {$420000.00}. ( see Ex 1 ) d ) TD Took* on 8.8.17 without authority nor explanation and then, after caught, returned {$4800.00} e ) TD has intentionally intimidated Plaintiffs into incorrectly overpaying {$2100.00} ( see 7a below ) 7. The correct formula for computation of TD former HELO account XXXX. XXXX is : a ) $ XXXX + {$75.00} + {$10.00} {$2600.00} ( d ) {$4500.00} ( see Ex XXXX ) = {$2100.00} owed *************** To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX From : XXXX Subject : Acct # XXXX This is to inform you of receipt of your letter dated XXXX XXXX, XXXX requesting remittance of the above referenced account ending in XXXX.
Please be advised on XXXX XXXX, XXXX ( we submitted final and complete payment ) and we sent/faxed a notice to TD Mortgage of intent to file a recovery law suit of the TD incorrectly computed amount paid on check # XXXX, of account # XXXX for the amount of {$4500.00}.
Interestingly enough the amounts computed within your letter, referenced above, have zero similarity to the amount paid and it appears more than you stated. Thus, clearly establishing that TD not only does not communicate within its own ranks, but intentionally confuses the customers as to the actual amounts owed and the authority to charge.
We will be attempting to collect an overcharged payment, paid on XXXX, owed us and any and all information we obtain from you will be used for that purposes.
Another Computation using TDs own figure of $ XXXX from ( XXXX to XXXX XXXX days ) : XXXX x XXXX days = XXXX = total owed TD.
TOTAL Paid TD : {$4500.00} + {$3500.00} @ = {$8100.00} {$3800.00} = TD owes {$4200.00} to XXXX The bottom line is simple : Tell us how you computed and the authority to compute the figures or tell it to the judge. We believe as the figures show a mistake has been made and it appears the mistake favors XXXXD. All we want is a fair and accurate accounting and to date TD will not provide same and factually, the above letter, clearly shows TD has different figures all day long. We have complied by overpaying, perhaps retroactively TD will comply with our requests.
Best regards, ************* To : XXXX XXXX XXXX Date : XXXX XXXX, XXXX From : XXXX Subject : Probable incorrect billing in account ending XXXX Attached : TD Payoff notification of {$420000.00}, ending XXXX ( 2 of 2 ) We request TD explain the discrepancy ( in writing ) of their attached payoff letter v the demand for another {$4400.00}.
The issues are simple : XXXX XXXX a mistake was made on the payoff amount we paid, and we owe more or 2 ) the payoff amount is correct and we own nothing. We believe the attached TD payoff in full is and was correct.
However, there was an inordinate amount of legal and illegal activity involved in our TD HELO expiring without proper notification and the HELO authority-to-take had expired.
If TD is correct we would like to rid ourselves of this unpleasant TD created mess, and pay what is legally owed at once. To accomplish this, we need an explanation and justification ; which to date has been ignored by TD.
Our accountant says we own zero as we complied with the TD amount owed in the attached payoff. We need a TD forensic review and report to us expeditiously in writing so we can pay or not and move forward.
Best regards ***************** To : XXXX XXXX XXXX Date : XXXX XXXX, XXXX From : XXXX Subject : Acct # XXXX After repeated request for an understanding of the determination of how the new dollars were determined, why and the authority for TD to bill an additional XXXX after XXXX XXXX
XXXX XXXX sent a full and complete pay out amount, good until XXXX of {$420000.00} as faxed to the above number on the XXXX, XXXX.
I will file a complaint against TD to be served at XXXX XXXX XXXX in XXXX ME in 15 days in XXXX XXXX at XXXX XXXX. XXXX, XXXX MA should I not receive in writing a forensic review of what if any we owe.
Sadly, by the time the case will be docketed surely TD will address this issues to both of our satisfaction.
Its such a small claims matter, but important nonetheless. as no one from TD has been able to explain with specific written detailed and accepted accounting procedures. There is always unanswered questions and nobody feels good send me the answers so we can move on.
Please call any time or you can send you response to by email referenced above.
Ask yourselves why are you making me do this. It should be simple as its little money.
Company Response: Closed with explanation
2017-11-07
Groton, MA
Problem when making payments
Credit card or prepaid card: Store credit card
Problem during payment process
Company Response: Closed with monetary relief
2017-11-07
Garrett Park, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with non-monetary relief
2017-11-07
Gloucester City, NJ
Money was not available when promised
Money transfer, virtual currency, or money service: Virtual currency
Complaint: TD blocked me from using my account to transfer money to XXXX
Company Response: Closed with explanation
2017-11-06
Boston, MA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Closed with explanation
2017-11-06
Lafayette Hl, PA
Advertising and marketing, including promotional offers
Credit card or prepaid card: Store credit card
Confusing or misleading advertising about the credit card
Complaint: I opened at Target Red Card ( Credit ) online at the suggestion of the website that I could use the card immediately on a difficult to find toy that quickly goes out of stock. I applied, was approved and was told to click a link to use my card right away. I followed the instructions and was directed back to Target 's shopping website, and found that I was not able to use the card for purchases. I called their credit card assistance line and explained the issue to a customer representative who did n't seem to speak or understand English proficiently. He suggested I use another form of payment. I explained that I would not have opened the card if I wanted to do that. He asked if he could put me on hold to assist me after explaining the issue several times. After being on hold for about 15 minutes, the phone was picked up by who I believed to be the same man. He then proceeded to tell me he did n't know who I was and act like he had n't talked to me saying he needed to transfer me and I had to start all over. He then transferred me to the same automated line that I used to call him initially, even after my request to speak to the person who placed me on hold. I again followed the prompts for the automated line and this time spoke to a woman who seemed to understand me even less, I explained the problem several times and felt like she did n't understand. She also recommended that I use a different form of payment. I was told to call back tomorrow after I 'd been on the phone for over an hour. The item was out of stock again by the time I hung up. I received an email saying I was approved and could use the card in 7-10 days after it came in the mail. I then tried to speak to two more representatives in the online ordering department who denied that they could assist me in charging the item to the new account and also urged me to use a different form of payment. I was told that I had to keep checking on line for the item to come back in stock then call to use the card at a later time.
Company Response: Closed with explanation
2017-11-06
FL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: Around XXXX XXXX XXXX i contacted TD Auto finance about an extension due to XXXX XXXX have 2 auto loans with them and i chose to only extend 1 loan. i have received several notices granting me a 60 day extension. 1st letter received dated XXXX XXXX granting the extension. XXXX XXXX received a 30 day letter, i called and was told as there were so many extensions from the hurricane the late letters are automaticlly sent but my extension was approved and my credit would not be affected. On XXXX/XXXX/XXXX i received an email from a XXXX XXXX that TD auto reported a 30 day late payment. I once again called TD on XXXX XXXX and was told the paperwork was not completed on their end and a supervisor would be corrected as soon as possible. Received one more letter dated XXXX XXXX saying they have granted the extension, pretty much same letters I 've already gotten. I have made more phone calls and was given the run around. Called again on XXXX XXXX and was told there were errors on their side and was in supervisors office to be corrected. Received one more letter dated XXXX XXXX stating the same as the other letters, stating amount due {$0.00}, with new loan maturity and payment date, all letters are the same.. I Made a payment via phone on XXXX for {$1500.00} and spoke to a lady and also was told they were working on the paperwork still, and was told they would be giving a credit of {$530.00} as well. On XXXX XXXX i called to follow up and now am told that i was never approved for the extension and am 60 days late that i need to pay the loan right away, this was from a supervisor. I have 3 letters stating TD auto has approved the 60 day extension..
Company Response: Closed with non-monetary relief
2017-11-06
Long Beach, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Complaint: On XX/XX/XXXXXXXX, I sent a certified letter with return receipt to XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX MN XXXX as listed on my credit reports, disputing the entry ( see attached documentation ). I specifically requested that they investigate the account entry and provide me any and all documentation that reflects this account entry is 100 percent accurate including the charge-off date as well as the amount reported as owed. XXXXt received my dispute ( see attached return receipt ) on XXXX XXXX, XXXX. I received a letter from XXXX datedXX/XX/XXXX whereby they assured me that the information reported was accurate, but that they would also be sending additional documentation. To date, I have not received any correspondence and it 's been well over 45 days. It is almost at the 60 day mark and they are yet to respond. It appears to me that XXXX has no supporting documentation to substantiate this entry as 100 % accurate and verifiable and therefore, it should be deleted from my credit reports.
Company Response: Closed with explanation
2017-11-06
Garnet Lake, NY
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Closed with explanation
2017-11-04
TN
Closing an account
Checking or savings account: Other banking product or service
Funds not received from closed account
Complaint: My father paid off TD Auto Financing on XX/XX/XXXX. There was an auto draft on the bank account for a monthly sum of {$880.00}. My father was hospitalized a few days later and did not have a chance to cancel the withdrawal. TD Auto continued to draw the {$880.00} every month for the last 5 months. I became the POA and called the company. They refused to talk to me until they had my POA, in the meantime my parents account was over drawn. They sent a check in XXXX for 2 of the overpayments and continued to draw the payments on an already paid off vehicle. Again, they sent another check for 2 more payments and we still have not received the last payment. I called the company the last of XXXX and talked to a supervisor. He said that if there is an overpayment the company returns the money and cuts a check on the 24th day after the overpayment. I asked why did we receive 2 payments at one time if that was the case? He could not explain that. It is now XXXX XXXX and a check was suppose to be cut on XXXX XXXX. I called and the check is suppose to have been cut on XXXX XXXX ( we still do not have it ) which is much longer than 24 days per their policy yet again. After I looked at the printed out check for a payment ( on a truck that was paid off ) from my parents bank I noticed that TD Auto wrote the check themselves and cashed it.
Company Response: Closed with explanation
2017-11-04
Tyler, TX
False statements or representation
Debt collection: I do not know
Attempted to collect wrong amount
Company Response: Closed with explanation
2017-11-04
Brooklyn, NY
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: I went to XXXX XXXX dealership on XXXX XXXX. On the same day, they ran an inquiry into my credit for car loans and financing. On XXXX XXXX, they ran more inquiries, multiple ones, without my consent and without me being there. All of these credit inquiries were unauthorized. On XXXX XXXX, I call the XXXX dealership and they said they could not remove these inquiries from my credit report. XXXX made car loans applications on my behalf without me knowing. I also called the financial institutions XXXX made these applications to. XXXX and XXXX financial departments opened cases to look into this situation. XXXX XXXX and XXXX department refused to, claiming they could not do anything.
Company Response: Closed with explanation
2017-11-04
New Britain, CT
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Company Response: Closed with monetary relief
2017-11-03
Allenwood, NJ
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: On Sunday XXXX XXXX 2017 I walked into a TD Bank in XXXX N.J. to deposit a check that I was suspicious about its authenticity.The funds were sent to me by someone posing to buy something from me online and I was sent the movers money as well to pass on. I informed the teller that I was suspicious about the check and wanted to know when I can be sure the check was authentic before using the funds. The teller informed me that the check will take 2 days to clear and by Tuesday I should check to see if its still pending. Once the check is n't pending and the funds have been added to the account I can be sure the check was legit and cleared. I deposited part of the check and cashed the remainder and waited till Tuesday to use the funds.On Tuesday morning I checked and the check was no longer pending and the funds were safely in my account. I took the funds and sent them to the supposed mover. On Wednesday, I see that the amount for the check had been taken out of my account. Upon contacting the bank I was informed that the check had insufficient funds and the bank took out money from my account in the amount of the check.Basically I had been scammed.
I was shocked as I had suspected this may have been the case and deliberately asked the bank how to proceed.I followed the exact instructions given to me by the bank. The bank refuses to take any responsibility and insists that its my issue. How can I protect my own money when the bank helps the scammers and could care less about their own costumers? How was I to know not to trust the bank teller? How come there 's no laws protecting consumers from the banks mistakes?
I went back to the bank and videoed myself asking the bank teller the question again.I asked the question to 3 different tellers, receiving the identical answer. They assured me I have nothing to worry about once the check clears and funds have been permanently added to the account. I tried to enclose the video below, however the size was too big to upload. I 'm going to attempt to post it online wherever possible, in an attempt for the truth to get out, if there 's still someone left with some sort of honest conscious, someone who realizes there 's more to life than getting away with someone else 's money.
Its frightening to see how little the bank cares about you, the very institution who you trust your money with and is supposed to be helping you.Its 2017, and our country has laws protecting animals, plants, and ancient buildings, but cant get they 're act together to help people being bullied and taken advantage of by financial institutions. And lastly, its sad to see how when the bank helps lose your money, no one gives a XXXX, but if the bank loses a dime, they 'll turn the world over. Its time for either a class action lawsuit or a politician that actually cares to make noise and put an end to this.
Company Response: Closed with monetary relief
2017-11-03
Three Bridges, NJ
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: I am a TD Bank costumer and I recently had my account sabotaged by Cyber hacking if you want to call it that. I experienced someone using my banking information and identity to attempt three transactions in efforts to get sums of money from my account. When I discovered this called XXXX XXXX the source that notified me via email for verification. Spoke to XXXX operator # XXXX, who informed me of the attempt and what I needed to do .My TD bank on the other hand, approved the transaction for XXXX their third attempt but declined payment for the first two. However I do business on the Applications for XXXX XXXX and also for TD Bank. Who is responsible for my breach of personal information. I authenticate myself with my fingerprint, felt I was safe. I called TD bank immediately. I spoke to XXXX at around XXXX XX/XX/XXXX17, inquired about transactions. To my surprise my card was still open. TD bank did n't feel there was a threat and I was at risk this whole time after the incident until I called in to the bank and advised I did n't make those transactions. I requested to speak to a Supervisor and was put on hold for extended long periods of time. Calling again and again for the remainder of that day Monday into Tuesday. I called again the next morning requested to speak to some in the fraud department. Spoke to a woman who told me the best thing I could do is get a new card. Question " what about the information someone has out there of me, whose helping to stop these crimes against us. I was then told to get a Lawyer. I then went to the bank to get a new card hoping to get some answers I was then told the computer system did n't pick it up as Fraud because I use XXXX XXXX But no one verified my memo on my account, and my card was still open. It seems I could n't be too careful making calls to notify my Bank the amounts sending monthly XXXX to mother to pay Health insurance. I feel not taken seriously as a honest consumer and tax payer. TD Bank did not protect me I was unable to talk to a live person on Sunday XX/XX/XXXX/17 after XXXX. I want other people to know th applications are not safe. these phishing people go through them even XXXX XXXX accounts. I have done research on my own and I cant believe no one shared the heightened XXXX XXXX XXXX of XXXX 2017 over 676,000 reports in New Jersey alone. And I 'm treated like noting happened because I 'm not out of the money. The police even told me we do n't usually do anything. But XXXX XXXX gave me a number for the police to call to get further information from their fraud division and the officer refused to take, dais " we do n't do that they usually call us '' I need help and to know what to do moving forward.
Sincerely XXXX XXXX
Company Response: Closed with explanation
2017-11-03
Ridley Park, PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I noticed on my TD Credit Card account, through TD Bank, I was charged the following late fees ;XX/XX/XXXX {$25.00} XX/XX/XXXX{$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX{$35.00} The due date for payment is the XXXX of every month. I do not receive a statement, however, payments are always made in the early morning of the XXXX of each month. When I called to discuss the charges on XX/XX/XXXX, I spoke with XXXX from Card Services. She acknowledged that I should not receive late fees, and she would rectify the issue. That did not happen. I called Card Services today, XX/XX/XXXX, spoke with XXXX the supervisor. She refused to assist me in rectifying this issue. I also contacted the Banking Commission, and they stated I should not be charged late fees and referred me to Consumer Protection, and as a result referred me to you. Any help you can offer would be most appreciated. Thank you for your time.
Company Response: Closed with monetary relief
2017-11-03
ME
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: XX/XX/XXXX I was trying to use my computer program XXXX. We were unable to log in so I went online under a XXXX search and located a company called XXXX XXXX XXXX. I called in to seek help with my log in issues. I made sure to use my TD bank card knowing if I had any issues I figured I would have a company behind me to protect me of any scam/fraud companies from stealing my money. During the entirety of the day, this company that pretended to offer me a service never actually gave me a service and took from me XXXX. I made a call 5 hours after my initial purchase to the dispute department at TD bank. In this phone call the woman I spoke to XXXX, called the real XXXX company and we verified that the company that I was dealing with was in fact a scam. She made sure to cancel my card and start a dispute process.
Over the next few weeks we would be back and forth giving our story in explaining that although I did authorize this purchase I have yet to receive the service for said purchase. Even now to XXXX I have not heard back from the fraudulent company pretending to offer a service for XXXX XXXX repairs. All of my responses to the TD card services were faxed through a local TD bank branch in the town I live in.
The very first response I had to make was after a phone call with a representative telling me that I had to write my side of the story by no later than XXXX or the case would not be reopened. I faxed a letter on XXXX XXXX. It was not until XXXX XXXX before I actually received a mailing from TD Bank regarding what the dispute paperwork needed. Which was very slow on there part and unprofessional. The second letter that I received was on XXXX XXXX, dated for XXXX XXXX. This letter gave me 3 days time to respond again or the case would be closed. The documents in this paperwork showed the company I was filing the dispute with gave TD card services a receipt of my authorizing a purchase. Which I have. Which I never denied. What I have said all along is that this company never gave me a service. I explained that they did however, before any purchase was made go into my computer via a remote PC repair program and steal my personal information as well as put a virus to destroy my hard drive. I am sure TD is getting this confused with the service. Either way I did not pay for a service to destroy my computer either. So in my second response I again made sure to note that I had not received any service from this company. I also made aware to them that this place has changed its name in that time frame to another company name and that online there are a few complaints of this company ( XXXX XXXX XXXX XXXX XXXX ) of scamming its supposed customers.
I received what I am going to relate to as my last letter from TD bank. Which only told me that the merchant gave them a rebuttal documentation and that they are closing the case and I would have to deal with the company on my own now.
I was so upset, I had already been trying to work with the company with no response. And now my own credit card company was denying me of a fighting chance at not being scammed out of money for a service that was never provided. I made it a point that day, XXXX XXXX. ( the letter dated for XXXX/XXXX/XXXX ) to go to my local branch and speak to the manager. She herself was disappointed with TD bank for pushing this aside and she offered her help. She called into the department and was treated very rudely for even attempting to help me. They told her that they closed the dispute out and that I would have to pay the XXXX. The manager explained that the documentation that they had was only authorizing the purchase which I had never denied. So she asked the woman she was speaking to, maybe to consider reopening this case as it seems they ( TD bank ) had made the error by putting the dispute through improperly. She was told she would get a call back or myself in the next 3-5 days.
No call was made. We waited until Friday XXXX XXXX to make another attempt to call again. In this call she was again treated very unprofessionally and many of those representatives denied giving her their name as in they seemed to know something was done wrong. They again shut her down by saying the documentation from the ( XXXX XXXX XXXX XXXX ) was enough to close out the case. She was very upset and told me she would see about speaking to her manager. But at the same time I think she was afraid to loose her job if she did anymore for me.
I made sure to file a complaint with the FTC, the BBBXXXX website about the company pretending to be a XXXX XXXX website. I also made contacts on XXXX XXXX with the attorney Generals office and the XXXX county Consumer affairs in New Jersey to try and verify this companies address for the XXXX which had now changed their website to XXXX XXXX. They also kept the same number. In that phone call I was told they had no dealings listed and the address was a vacant parking lot. My heart shattered.
I felt this was important information that maybe one more chance the TD bank dispute department would help me. I called in and spoke to the very first kind representative with the dispute department. She also said she could see there was a mistake and the information I was giving her should be important to reopening the case. She also apologized and offered her deepest apologizes in the mistake that TD had made with this case. I was again told I would get a call back in 3-5 days.
I called in XXXX XXXX to ask what was going on. With the Dispute department. I was told the case was closed and would not be reopened. I also asked why I never received a finalized letter explaining why I had to pay this charge in the findings. I also asked where was the proof that this company ever gave me a service. I was treated very unprofessionally and shut down with rudeness from the representatives. At this point I felt all of my rights as a consumer were denied. TD bank was supposed to protect me and at least give me a fighting chance. Instead they did not follow through. They were too slow in giving me my mailings. Offered absolutely no assistance.
I made further attempts by mailing a letter to XXXX XXXX the EVP of TD bank in New Jersey as well as I filed a personal complaint with the TD bank card services department in a letter I mailed to them on theXX/XX/XXXX I mailed those letters first class and have that they were delivered in 3 days of my mailings.
I received a call from a XXXX XXXX who told me she was the supervisor of the dispute department. She was also very rude to me at first, and I mean very rude. I know it may be her job but she was very disrespectful to someone who has done much business with TD bank and has their own personal accounts with this particular bank. She tried to tell me that I did in fact get help which after I explained how it was all a mistake made on their part for not giving me a fair chance at fighting against a company that never and still had not given me a service that is where they not only failed me as a bank but they denied me my rights as a consumer. Because I did not get a fair shot at even denying what TD claimed to be a final notice, I lost my chance at again fighting this charge. She told me she would look into it and follow up in a few days to let me know what the final decision would be. I have made multiple attempts daily to contact this XXXX XXXX, and she has also failed to return any of my calls. Again not following through and treating its customer with disrespect and unprofessional-ism.
I am at a loss as to what to do. The complaints I made with the BBB about the company came back that the company denied existence, yet they still have a website. Same phone number. TD bank wont help me. I have a charge on my credit card that is for a service I still have not received. I made months of attempts in trying to get help and TD Bank was my only chance, and they denied me that. I am so disgusted wit how TD bank treats its customers. They should make good of this error. But they will only keep ignoring me and passing it off to someone else who will not follow through.
Company Response: Closed with monetary relief