TD BANK US HOLDING COMPANY

2018-10-09

VA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Problem with customer service
Complaint: On XX/XX/18 I contacted XXXX XXXX customer service, to inquire why I had received paper statements for several months when I have never received them before ; I was signed up for electronic statements. I was informed that their credit card platform was in the midst of a " platform update '' and that my current web browser didn't support the update. Being personally aware of the IT field and software platforms I communicated that the information the customer service rep offered as an explanation was technically inaccurate. I also communicated that I did not want to receive paper statements through the mail for security reasons ; the customer service representative offered no other options to turn off receiving the paper statements and said it would last until the platform update was complete. On XX/XX/18 I attempted to log in to my online account and it seems the " platform update '' is complete and was prompted to update security questions and re-enter secure account information, including my full name, full XXXX XXXX account number, social security number digits, and security code on the reverse side of my credit card. I was also prompted to download a document from the internet in order to sign up for electronic statements only. Since I had received no official communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) that such a change or update to the site was occurring, I was wary of entering secure information on an unfamiliar website. I again contacted XXXX XXXX customer service to inquire about the validity of this new website and security question procedure. I also wanted to provide feedback that I was unhappy with receiving zero communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) of these changes to my account, what feels like careless handling of secure account information, and of the platform update which I would not been privy to unless I has called over the summer about the paper statements. The customer service representative placed the call on hold several times when I inquired to share this information and my dissatisfaction with the handling of my secure account information, and on the final hold, I was disconnected from the call through no fault of my phone service.
Company Response: Closed with explanation

Timely Response

2018-10-09

N Woodmere, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2018-10-09

Asheville, NC

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2018-10-08

Kendall, 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
Complaint: Creditor : TD BANK USA/XXXX XXXX. Account # : XXXX, account ID : XXXX. I recently filed a dispute directly with the creditor and requested an investigation into the account as I found multiple inaccuracies being reported in my credit files. The specific inaccuracies are shown in the attached letter mailed to the creditor. I also contacted the creditor via phone and a representative named XXXX, explained that this account was very old and no information could be verified. My best option was to mail a letter because it would take about 30 days to conduct the investigation since information was unavailable in the computer. If the representative is telling me to mail in my dispute, and that it would take 30 days to conduct an investigation into the account, why was a letter sent to me by the creditor within 4 days of receiving my dispute? Upon receiving the attached response from XXXX XXXX dated XX/XX/2018, the specific items mentioned in my original letter to XXXX for this account continue to be reported inaccurately. In other words, nothing has been corrected and XXXX continues to verify inaccurate information as accurate to the credit bureaus. XXXX is just trying to maintain inaccurate negative information in my credit file because they work with the credit bureaus to profit off of negative information. TD BANK USA/XXXX XXXX has not conducted a legitimate and reasonable investigation as required by the FCRA. TD BANK USA/XXXX XXXX should be held accountable for violation of federal consumer laws.
Company Response: Closed with explanation

Timely Response

2018-10-08

Three Bridges, NJ

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I had received a promotion mail promising that I would get 12 month of interest fee purchases and an XXXX XXXX from TD Bank for new credit card opening. I did get the XXXX XXXX, but the bank kept charging me additional interest for all new purchases. The disclosure was stated as follows APR for Balance Transfers : 0 % introductory APR for first 12 billing cycles after account opening. After that, 14.99 %, 19.99 % or 24.99 % based on your creditworthiness .If you take advantage of this offer and use your account to make new purchases, you can avoid paying interest on those new purchases if you pay the minimum payment due and the total outstanding purchases balance, including any fees that may have been assessed, by the payment due date shown on your monthly billing statement.. With the above statement, basically the the bank says, only if I do a balance transfer, I am eligible for new purchase credits for 12 months. As an average consumer, I did not understand that 'only If I do the balance transfers that my purchases will be waived for 12 months '. The language in the disclosure seems to have been made intentionally to confuse the average consumer. I had called customer service for TD bank, they refuse to refund my money, saying you signed the disclosure and there is nothing we can do.
Company Response: Closed with monetary relief

Timely Response

2018-10-08

San Mateo, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: XXXX XXXX client XXXX XXXX is a victim of identity theft ; his information was used without his consent to apply for several credit lines. While these application failed the process resulted in fraudulent inquiries into his credit reports. While reviewing an XXXX credit report an inquiry was found with Nordstrom/TD Bank XX/XX/2018 that was an unauthorized transaction. An official dispute of this activity was mailed to Nordstrom/TD Bank to have this information removed. While a clearance letter dated XX/XX/2018was received and confirmed the inquiry was going to be removed at a future date, a review of a credit report ordered XX/XX/2018 still lists the Nordstrom/TD Bank information be XXXX. This is a violation of the FCRA.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-08

Apache Junction, AZ

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2018-10-07

Lincolnton, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/2018 I tried to make an ATM deposit at a branch but both of the ATMs were out of service as always. I ended up making a mobile deposit of {$2400.00} to my checking account at XXXX. The receipt said it will be available on the next business day as long as it is deposited before XXXX. However it was not available the next business day. I called the bank on XX/XX/2018 asking why my money wasn't available still and was told it is on hold for 6 business days by fraud department. She also said if I go into a branch they will be able to verify my check in person and lift hold. I was transferred to their fraud department. A representative from fraud department told me that he can not find the reason why my money is on hold. He just started reading a script about how bank is trying to protect me from I still don't understand what. After pushing more for a reason he told me that there's a high number of fraud cases for people of your age. Basically saying that because of my age the bank can not trust my deposits. I said that that was unacceptable and asked him if that was even legal, Also I asked about how many times were there fraudulent check deposited into my account, he said none. Therefore I still did not have a reason why my money is on hold. On XX/XX/XXXX I went into a local branch to verify my check, without looking at my paperwork branch supervisor told me that they not verify anything and I have to wait for hold to be released because of fraud suspicion. To what I replied that this has happened to me before and another branch representative was able to lift the hold and even waive the fees associated with it because there wasn't a reason for hold. I asked to resolve the issue immediately. Please note this conversation happened in the middle of the branch with both of us standing. I was not offered to sit down like everyone else and he did not offer to look through my documents or to try and resolve the issues. Instead I was told to sit down in the waiting room and wait until he completes a call with fraud department. After waiting for a while he came up to me and told me that they're holding the deposit because it is a federal check. I told him that it is NOT a federal check but a regular payroll paycheck and I showed him the stub. He was not interested, he didn't even look at it, he said thats what they told him and thats what he is telling me. After realizing that this excuse is not working he said, its probably because the amount of my check it too high. To which I immediately replied, only if it is above {$5000.00} its considered high enough for you to hold the money for that reason. ( Please note this whole conversation happened in the waiting room with no regard to my privacy as a customer. It is absolute unprofessional, considering that they had desks available for us to sit down. ) I was treated like a was a criminal trying to steal their money while I only wanted to have my deposited money available for me to pay my bills. The whole situation was remedied by a XXXX officer who works inside the branch telling me to go to another branch and try speaking to them. Because she saw that the bank representative was unhelpful, argumentative and disrespectful. I am absolutely repulsed by TD BANKs rude employees, awful policies, inconsistent promises and down right lack of customer service whatsoever. After I went to another branch I was told that I must go to the branch that opened my account to resolve such issue. I am not comfortable with coming back to my home branch because that branches employees showed me enough that they will not help me at all. I demand I written explanation about why my money is on hold and why the bank thinks they can discriminate their customer about their age and hold money according to customers ' age, a letter about what was done to explain to their rude employees on how to treat customers and an apology. If there are any fees assessed during this hold I demand for them to be removed immediately so that I can close this account and never step a foot into another TD bank branch. Thank you
Company Response: Closed with explanation

Timely Response

2018-10-06

Princeton, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2018-10-06

Wrentham, MA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Complaint: XXXX - applied for credit card advertising 25k bonus miles to the XXXX Reward Program upon completion of $ 1k spend within 3 months of being approved for a TD bank credit card. XXXX - within the first month I satisfied the spend requirement and the TD card statement reflected that I now had the bonus ( and the spend ) miles listed ( this is separate from actually having XXXX reflect the miles ). XXXX - I was granted XXXX bonus miles that were supposed to then be applied to the XXXX Account Number ( XXXX ) I had provided when the card was originally applied for XXXX - after the 'waiting period ' and still not seeing the miles credited to the XXXX, I called XXXX. They advised they had not received the miles from the credit card yet and that there was no glitch from their side. I then called TD Bank and explained the issue. They advised the miles should have already posted ( as it was past the 5 week waiting period since the miles were credited ). The supervisor told me the miles would reflect to the XXXX within 5 business days. They confirmed that the XXXX they had was correct. My calls with TD are all recorded so they can review and verify my statements. XXXX - I called TD a few weeks later. The XXXX was still not reflecting the credited miles. This time the supervisor advised it was a system glitch at their end and they would put in a request to get this corrected. They had no answer as to why the FIRST supervisor gave me false information. They confirmed again, that I had the correct XXXX, even though I told them a few times all those initial checks had already been performed. I asked if XXXX could send me a letter confirming my conversation with them. They advised they do not do so. XXXX-beginning - I called TD again since the miles were still not posted to the XXXX. I was given the same answer as in XXXX, except with a little more run-around on the phone. They said they would call me within a week to advise when the problem was corrected. I did not receive a call back. The accuracy of the XXXX was checked yet again and confirmed that it was correct. I asked for an extra XXXX miles to be added because of all the work, time, effort and aggravation I have experienced through this process. The supervisor said it would be submitted as a customer request. I asked for a transcript or a letter stating their proposed resolution in writing, but they advised it would not be given. XXXX-end - I called TD again. Another supervisor at TD confirmed all the above notes and said they had 'escalated ' the problem and someone would call me back in the next few days to confirm that the miles had been credited and the glitch ( system issue, apparently ) had been fixed. I asked for an extra XXXX miles to be added because of all the work, time, effort and aggravation I have experienced through this process. The supervisor said it couldn't be promised but it would be requested. To date, I have received neither the call back nor the miles credited to my XXXX.
Company Response: Closed with monetary relief

Timely Response

2018-10-05

Miami, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-10-05

Erial, NJ

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2018-10-05

MA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: ON XX/XX/18 I ANSWERED TO A XXXX AD THAT WAS ADVERTISING FOR WORK. A MALE NAME XXXX ANSWERED ME AND STATED THE FOLLOWING TO ME, I WORK WITH XXXX XXXX XXXX. WITHIN THE LAST YEAR A PRIVATE MONEY ORDER COMPANY HAS BEEN TRYING TO TEST AND IMPROVE THEIR MONEY ORDERS. THE OVERALL GOAL IS FOR THE MONEY ORDERS TO CLEAR WITHIN HOURS INSTEAD OF DAYS. EVERY TIME I HELP TO TEST THEIR MONEY ORDERS, XXXX GET PAID. XXXX FURTHER STATED THAT ALL I HAD TO DO IS WITHDRAW WHAT I DEPOSIT AND ASKED WHAT BANK I WAS WITH AND WOULD I BE WILLING TO OPEN AN ACCOUNT FOR IT WITH TD BANK AND THEY WOULD PAY THE OPENING FEES AND AND THAT I CAN EARN {$1000.00} PER WEEK. I STATED THAT I WILL GAVE XXXX THE BANK INFORMATION AND MY HOME ADDRESS AND FOR IT TO BE DEPOSITED. XXXX TOLD ME TO MAKE SURE I GOT A MOBILE BANKING ACCOUNT TOO AND THEN ASKED FOR THE ACCOUNT NUMBER AND ALL MY PERSONAL INFORMATION. I STATED THAT I SAW THAT A CHECK WAS DEPOSITED AS PROMISED INTO MY ACCOUNT, FOR {$3400.00}, SO I BELIEVED XXXX.. SHORTLY AFTER THE DEPOSITED, {$3200.00} WAS WITHDRAWN FROM MY ACCOUNT. I TRIED TO GET IN TOUCH WITH XXXX AND EXPLAINED WHATS WAS GOING ON AND XXXX DIDN'T RESPONSE BACK TO ME. I SENT HIM SEVERAL TEXT MESSAGES STATED THAT I DID NOT WANT TO BE INVOLVED IN BAD SITUATION LIKE THIS FOR MY FINANCIAL FUTURE. I ATTEMPTED TO GET IN TOUCH WITH XXXX SEVERAL TIME WITH NEGATIVE RESULTS.. TD BANK WAS ADVISTED TO MAKE A POLICE REPORT. I WAS ADVISED THAT A REPORT WAS DONE AND IS ON FILE WITH THE ( XXXX POLICE DEPARTMENT ) IN XXXX MA,XXXX ( XXXX ) XXXX.
Company Response: Closed with explanation

Timely Response

2018-10-05

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2018-10-04

CT

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: Opened Td Bank Premier Checking account XX/XX/XXXX using link that advertised {$300.00} bonus. Followed all terms and didnt receive bonus. Contacted customer service on XX/XX/XXXX and they said I should receive the deposit by XX/XX/XXXX. Did not receive. Called customer service and was told they would look into it. Had to call multiple times and was first told I would have been only able to signup with a flyer ( false ). Then told I didnt sign up during a signup period ( which is false ). Every time I talked to someone I got a different reason why. On a side note, my boyfriend and I signed up at the exact same time using the same generic XXXX link and he received his bonus no problem.
Company Response: Closed with monetary relief

Timely Response

2018-10-04

Bohemia, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Complaint: I filed a complaint against TD BANK on XX/XX/2018. # XXXX The Bank reversed 2 overdraft fees total XXXX. I go on my online banking this morning and much to my surprise the bank reversed my provisional credit to make my account once again in the negative of XXXX. It is Retaliation about the complaint I filed with The Consumer Financial Protection Bureau. I made a Purchase online and it had to be returned I called the bank and started a dispute I than heard from the company through a bad review I had left and called the bank and told them I will receive credit back from the company, I received a letter from the bank disputes and fraud dept I faxed all paperwork back to them telling them the company never paid for returning this set and its 80 pounds i just cant move it. The bank said I will hear in writing about the decision. This morning without notification TD Bank reversed the credit and caused my account to be once again in the negative. I HAVE NO GAS, NOR MONEY TO GET TO WORK. WHEN ARE THEY GOING TO STOP THERE SHERADES. THIS IS ALL RETALIATION. Isnt coincidental that this happened the day after the complaint was filed?
Company Response: Closed with monetary relief

Timely Response

2018-10-04

Clarksville, MO

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I closed my account with XXXX XXXX XXXX XXXX on XX/XX/XXXX with the account being current and entered into a debt managment program. This credit card was included and accepted into the program. I have made all my payments to the debt management company and they have made all payments to my 6 debtors on time each month. I received an alert by XXXX XXXX that I had a delinquency reported on my credit reports. I immediately investigated and found it was with XXXX XXXX XXXXXXXX XXXX and immediately called them to rectify the situation. They were NOT helpful. Told me they received the payment on XX/XX/XXXX vs the due date of XX/XX/XXXX. I said that is only 1 day late ; why did you report me as 30 days late and was told " Late is late. '' They were unwilling to assist me. I tried to dispute through XXXX ; but did not have paperwork from my debt management plan and assumed XXXX XXXX XXXX XXXX would do what was right. XXXX sided with XXXX XXXX XXXXXXXX XXXX, I am assuming because I did not provide documentation. This was my first time ever having to dispute something on my credit so I was ill-prepared. The late payment is affecting my ability to secure a Home Equity Loan, so I contacted my debt managment company ( XXXX ) XXXX XXXX XXXX and explained the situation. They provided me documentation specific to my account with XXXX XXXX XXXX XXXX that showed the dates the payments were electronically paid. Armed with this information, I reached out to XXXX XXXX XXXXXXXX XXXX again. I was met with the most aggressive individual who told me they had not received 3 months of payments ( XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX ). That I was " lucky '' they only gave me 1 hit for being late 30 days. I asked if I could send the documentation from XXXX and was told " You could have just doctored that ... we won't make a change to your credit report. '' and then she hung up on me. I called XXXX and spoke with XXXX XXXX who said let 's call them together. She spoke first, while I remained quiet just listening on the line. She said she wanted to confirm that payments for a XXXX client were received and credited to the account. XXXX ( account representative at XXXX XXXX XXXXXXXX ) confirmed that from XX/XX/XXXX to XX/XX/XXXX there were no missed payments. When she brought me on so I could ask about the 30 day delinquency reported to the credit bureaus he put us on hold and we waited for 30 minutes but he never returned. I called back alone and asked for XXXX, but they could not connect me with him. This 1 delinquency on my credit report by XXXX XXXX XXXXXXXX XXXX has affected my credit score by ~100 points and is prohibiting my ability to obtain a Home Equity Loan because it is such a recent delinquency.
Company Response: Closed with explanation

Timely Response

2018-10-04

Camden, NJ

Written notification about debt

Debt collection: I do not know

Notification didn't disclose it was an attempt to collect a debt
Complaint: I received a copy of my credit report and noticed a debt from TD Bank. I don't ever recall doing any business with the what so ever.
Company Response: Closed with explanation

Timely Response

2018-10-04

Key Biscayne, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: My car, a XXXX XXXX XXXX ( XXXX ) was paid off since XXXX this year to TD Bank. I make the call to receive the car title and they told me it was going to take a couple weeks to receive it. Since then, I have contacted the bank several times to get the car title but nobody told me that there was anything pending. They confirmed several times the vehicle was paid off but the title was just taking long. After months passed, we ( My Husband and I ) decided to sell the car and requested once more the title from the bank but this time they told us we have to pay the dealer fees that were pending. Never in the past had they communicated this to me, nor do they sent any papers about missing fees! I told them to send me a bill of the pending charges through mail or fax, they Bank told me they were going to do it, but never did. I have requested a couple more times to send me proof of the pending charges so I can make the payment but they havent provided any bill, statement, or proof that something is still remaining/pending on the car to this date. I am unable to sell my vehicle because the bank refuses to send me the car title even though it was already completely paid off. I have financed other car in the past and consulted with friends and family, but they have never heard of dealer fees being paid separately after the car was already paid. Bank hasn't sent any documentation at all so I'm unable to attach any. Also I am unable to access my online account because they closed it when the car was paid off ( last payment confirmation number : XXXX on XX/XX/2018 ).
Company Response: Closed with explanation

Timely Response

2018-10-03

Arco, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: My name is XXXX XXXX and I had moved to XXXX and lived there since XX/XX/2015 But I had noticed That someone had opened multiple creditcards and not paid after I had moved out. These accounts all are not mine.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-03

MD

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Complaint: After filing a claim, I did not get reimbursed from one of 2 stolen checks ( payroll checks from the XXXX I work with ) addressed to me but that got cashed by somebody else. I started the claim and submitted the required paperwork on XX/XX/XXXX of XXXX through the treasury department and the bank of my XXXX. I got a response on XX/XX/XXXX of XXXX that I would get reimbursed only for one of the checks but not the second. TD Bank, the bank of first deposit for the stolen checks, has not reimbursed the XXXX XXXX XXXX XXXX account ( that had issued the checks for me ) to date despite repeated attempts. My XXXX XXXX XXXX XXXX was not reimbursed by TD Bank and the amount of the stolen check was : {$1000.00}. The signature on both checks was clearly forged and clearly does not match my previous signatures at all.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-03

Bellaire, TX

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 don't have an account and don't know who this company is
Company Response: Closed with explanation

Timely Response

2018-10-03

Bronx, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/XXXX, I used my TD Bank issued Visa Debit Card ending in XXXX to purchase a flight with XXXX XXXX in the amount of {$150.00} ( See file named Attachment 1 - Purchase Receipt ). At some point between XXXX and XXXX of XXXX, the checking account linked to that debit card was closed and subsequently replaced with another checking account. Later, at some point in XXXX of XXXX, that replacement checking account and an accompanying savings account were closed by me, terminating my banking relationship with TD Bank. In XXXX of XXXX, I requested that XXXX XXXX refund my ticket pursuant to the terms and conditions of the ticket that I had purchased. XXXX proceeded to honor my request but stated that the refund had to be issued to the card that was used for purchase. I advised them that the account had been closed and that I no longer maintained a banking relationship with that institution, requesting alternate refund methods. XXXX advised me that, they had to refund the original payment method, and that if the bank rejected the funds XXXX would then issue me a refund check for the {$150.00}. The refund request was finalized on XX/XX/XXXX with the refund scheduled to go into the closed Debit card. ( See file named Attachment 2 - Proof of Refund Submitted ). I was instructed to contact XXXX after 10 days ' time to verify if the refund had rejected or not. After 10 days had passed the refund had still not rejected back to XXXX ( See Attachment 3 - 10 Day Not Rejected ). At that point I was advised to wait 30 days for the refund to make its way through various parts of the Visa Payment Network and the banking system for resolution. On XX/XX/XXXX, I contacted both TD Bank and XXXX, with TD bank saying that they had not received any refund to that debit card or any other account that could be linked back to my banking relationship with them. XXXX, for their part, confirmed that the refund had not rejected back to them, and provided me with an Acquirer Reference Number ( or ARN ) and informed me that anyone on the Visa Payment Network could search that number ( XXXX ) and see the payment coming from their end and going to TD Bank ( See Attachment 4 - 30 Day Refund Not Rejected ARN ). At this point, I proceed to visit 3 different TD Banking Centers since I was not getting anywhere with phone representatives. The centers visited were : ( 1 ) XXXX XXXX XXXX XXXX ( XXXX ), XXXX, NY XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX. At all three centers, bankers attempted to assist me and reached out to various back office teams, but nobody seemed to know what to do with the ARN number provided to me by XXXX, or who would be able to track down that information. After multiple attempts at the branches proved pointless, I directed my efforts back to their general customer service lines. I spoke with numerous reps who promised research requests were submitted and I never heard back on the results of those requests. The last representative that I spoke with transferred me to a Supervisor who was very nasty and condescending to me and acted as if I was begging the bank for money, and not just claiming what was rightfully mine. This supervisor, unbeknownst to me at the time, proceeded to put a lock on my profile in TD Bank 's system, so that any time that I called in after this day, I would just be told by the front line reps that " I had failed to validate my account on multiple attempts over the phone and no information could be provided to me without visiting a branch ''. As of XX/XX/XXXX, I was placed on long term assignment for work overseas and can not just happily take a walk into a TD Bank branch location to clear up a " security alert '' that was placed on my file simply because this supervisor did not want to continue to help me. On XX/XX/XXXX, I communicated once again with XXXX, to see if anything had shown up back on their end, over 2 months since they issued the refund, and was told once again that TD Bank has my funds ( See Attachment 5 - XXXX Credit Still Not Rejected ).
Company Response: Closed with monetary relief

Timely Response

2018-10-03

Bronx, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: After logging complaints to your agency about not being able to access my account at TD Bank and having that issue resolved, TD Bank is now continuing to block me out of my account because I'd mentioned to management in writing that my bankcard has been functioning perfectly at unfamiliar ATM 's for almost a year which contradicts their position that my account had been red flagged due to me using ATM 's that were not used to my banking history. In short, because I've proven that their claims of me not having the correct ID or combination of ID 's to access my account for security reasons and identity theft wasn't a credible stance since the bankcard was never blocked while I'd used it at several unfamiliar ATM 's moving forward, the bank has now blocked the card after not blocking it before for almost a year since I've moved back to my old borough in the XXXX in XX/XX/2017.
Company Response: Closed with explanation

Timely Response

2018-10-03

Mesa, AZ

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with monetary relief

Timely Response