Date Received: 2023-06-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Td bank were my accounts are XXXX was used to send XXXX payments to a scam for a puppy. The person was on XXXX and started to try to extort money said itvwould be refunded. A fbi complaint was filed, the messages were given to the Bank along with several other documents proving the scam and the demand for money. In all XXXX payments were sent XXXX and XXXX. My husband is a double amputee vet on XXXX I'm on XXXX with XXXX XXXX. The bank denied the complaint. Even with the messages from the person stating he would refund.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Td bank had my fund and I went in several times to find out where my money was going bc I felt like it kept disappearing. When I went in they said several times they didn't see in anything happening but I still came in 2 more times. After that the bank shut down my card stating that there was an issue with a deposited check and my ATM card stopped working even though I had never written checks from my account they allowed aomeone to write over XXXX XXXX dollars in checks over the span of XXXX to XXXX and even though my name was spelled wrong on the checks written still allowed them to deposit these checks in to their accounts. They are now refusing to refund any of my money.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: TD AUTO FINANCE it appears that you have turned Acct XXXX on my credit report into a charge off, but I never received the 1099. Can you be so kind to send me a 1099 for this actual item that has charged off due to my financial hardship?
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card for Nordstrom was opened by someone posing as me. I became aware of it when it appeared on my credit report. I reported it to XXXX, but they told me but they denied my dispute. Now the person that has opened the account has not paid and it is negatively impacting my credit report. I need to get this rectified and the Nordstrom card taken out of my name. There isn't even a Nordstrom store anywhere near me. The delinquent amount is {$440.00}. Looking for help in rectifying this situation.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX I was pre-approved for {$52000.00} with XXXX XXXX XXXX XXXX. On XX/XX/XXXX I found a car for sale that meet my monthly payment criteria with all the desired add-ons. Using the XXXX XXXX XXXX portal I reached out the dealership XXXXXXXX XXXX XXXX XXXX XXXX to confirm availability and schedule a test drive. That day I went up to the dealership to finalize the consumer sale transaction. I was violated by XXXX XXXX XXXX of XXXX XXXX. On XX/XX/XXXX I was in need of a vehicle and decided to go with XXXX XXXX XXXX. Using their auto locator website I found a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXXXXXX XXXX. Agreed upon price {$19000.00}. Or so I was mislead to believe that was the agreed purchase price for everything we ( the Sales Associate XXXX XXXX and I ) had discussed and went back forth about, had agreed to. Until his Sales manager came into the transaction. My application for an auto loan with XXXX XXXX was pre approved. When I presented my pre-approval information the XXXX XXXX XXXX asked me for my ID and to complete a one page piece of paper, he stated was in order to bring up my pre-approval information. This was false and misleading information pertaining what was need to access my pre-approval as my pre-approval letter states to simply provide them this letter with my confirmation information on it and the dealership will call XXXX XXXX once I have selected a vehicle. He later asked me to email him this letter to XXXX. He also stated several times during my time at the dealership all vehicle at XXXX XXXX XXXX come with Paint and interior protection. This provides peace of mind when it comes to damages outside or inside all of our vehicles, he stated this four times. Twice outside prior to me agreeing to a test drive. Again when I returned from the test drive and we were going back into the office building. Then once again while sitting at his desk while I was waiting for the Sales Manager to bring the terms of my XXXX XXXX XXXX approval. The Sales Manager violated me and my consumer rights during this consumer transaction several times. He informed me of false and misleading information pertaining to the requirements in order to complete the purchase of the vehicle using my preapproval. The Sales Manager stated that in order to move forward with my pre-approval with XXXX the bank required me to put a down payment of {$8000.00} on a Purchase price of {$19000.00} and that my interest rate would be 18.5 %. Pursuant to 15 USC 1662b it is illegal to require a down payment in conjunction with an extension of consumer credit. It is a fact that I was told that the cash down payment was the only way I could move forward with using my pre-approval finance I already obtain prior to arriving in their office. When I asked for a copy of these terms in writing, I was refused a copy. The manager then proceeded to inform me of other financing options and terms. After leaving the dealership I was able to go through my emails and my credit monitoring alerts informed me that my credit had been ran numerous times during my time at the dealership on XXXX XXXX XXXX PST. So now I have hard inquiries on my report when the XXXX XXXX and XXXX XXXX XXXX were the only two with my personal information. Per the congressional findings of Truth In Lending Act, The purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to them and avoid the uninformed use of credit. The Sales Manager stole my identity to offer other financing options that did not benefit me, was not requested by me, nor authorized. None were within the payment range I stated several times my budget could allow for. The Sales Manager then informed me I was required to purchase extended warranties to be approved for financing options that would be closer to my price point. This information left me to be convinced a that my only option was to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that I didn't need ( had pre-approval ), didn't want ( I stated several times I did not want any extras ) or can't afford ( I stated my budget and the max I could afford, which is why I wanted to see my terms from my approval with XXXX XXXX it was well within my price range prior to me arriving in this office ). I am still receiving denial of credit letters for auto loan credit extension to this day steaming from this identity theft. When I asked for a copy of my consumer transaction file, I was told that I would get a copy of my signed contract and all documents withing 2-3 days via email. After 10 days I had to go back to the dealership to obtain a copy of my signed documents. When I arrive the Sales manager stated that they did not have my email, which is absolutely false. As I emailed them my proof of insurance, which they required of me before I was able to complete the transaction. Also emailed them a copy of my XXXX pre-approval letter to facilitate the completion of my pre-approval application. Once I had a copy of my consumer transaction paperwork, I was able to look further into the documents. I have found so many inaccuracies regarding the information example the credit application that has a signature, not mine as I do not sign with ANY letters directly on top of each other, I also do not use the leading 0 when writing the day for dates ( compare my signature on other the pages ) that I did not fill, submit, nor sign at the time of sale. I was never given a full breakdown of what was included in the finance charge in either contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. Any fraud vitiates the entire financial transaction. Finance charge is on money given to you, not credit transactions Agreement has finance charges by the finance company in this case XXXX XXXX XXXX, committed predatory lending in a consumer credit transaction under Regulation Z. Pursuant to15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC. I did not sign any contract where I received COMPLETE DISCLOSURE AND EQUAL CONSIDERATION. If I did, it was UNKNOWINGLY, INVOLUNTARIY AND UNINTENTIONAL. How is it possible to be in agreement/contract with three entities regarding the same vehicle? Proof will be provided. CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation ) TD Auto very first correspondence was an attempt to collect a debt and no disclosures were provided. XXXX It is a fact that once there is a dispute of any billing error, a creditor can not report any information to a 3rd party until the dispute has been resolved, pursuant to 15 USC 1666a. It is a fact that it was never disclosed that all service fees were to be included with the finance charge as noted per 15 USC 1605. It is my understanding that any and all services that may be needed for the life of this vehicle will be covered by your company and that I would only be responsible for the cost of parts. It is a fact that pursuant to 15 USC 1692c, I am providing notice that I refuse to pay any debt and as the original creditor ( since I created the debt ) I intend to invoke a specified remedy. It is a fact that disclosure of my rights to rescind the consumer credit transaction or the documents required for me to rescind the transaction was never provided to me as required pursuant to 15 USC 1635. Under 15 USC 1635, I am exercising my right to rescind the consumer credit transaction, which would include any power of attorney. Since the vehicle has depreciated in value it is not equitable for me to return the vehicle. Within 20 days of receiving this notice, you will return all payments made in relation to this contract as well as take all required action to reflect the termination of your security interest that was created by this consumer credit transaction. On XX/XX/XXXX I mailed the following letter to both XXXX XXXX XXXX and TD Auto Finance via certified mail. TD Auto received this letter on XX/XX/XXXX at XXXX ( Tracking number XXXX ). XXXX received this letter XXXX XXXX XXXX XXXX Tracking number XXXX ). As of XX/XX/XXXX I have received a letter from XXXX which does not address what my letter has requested. TD Auto has still not responded, validated the debt, update my consumer report to reflect that this account is disputed and has violated FDCPA Section 805 ( a ) ( 3 ) and FDCA Section 1006.6 ( b ) ( 3 ) laws by continuing to attempt to collect on this fraudulent debt. Also contacting me at work even after I notified them, several times. XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TD AUTO FINANACE XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Re : Acct # XXXX TD AUTO FINANACE Re : Acct # XXXX Make of car : XXXX Model : XXXX XXXX # XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report immediately. TD Auto Fin XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I am writing in regard to the above-referenced account and transactions. This vehicle was purchased at XXXX on XX/XX/XXXX. I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERAL financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX did not disclose this information to me that is required by federal law. XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. You are in violations of several federal laws you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. 15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. Best Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX TD AUTO FINANACE XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX of a Debt Request Pursuant to 15 USC 1692g. BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark ( s ) is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants TD AUTO FINANACE the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? o Yes o No Have any Judgements been obtained by any creditor regarding this account? o Yes o No Please provide me the name and address of the bonding agent for TD AUTO FINANACE, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within XXXX calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. Thank You.
Company Response:
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: TD Bank XXXX XXXX XXXX, ME XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCAL IS NOTICE TO AGENT TD Bank you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly states a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says you TD Bank are a furnisher of information to a consumer reporting agency. You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt. My Address is listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 U.S. Code 1681s2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
Company Response:
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Tried to get a consolidation or home equity line of credit with TD Bank 's Loan Dept. on XX/XX/XXXX, XXXX Credit scores were XXXX in XX/XX/2023. Submitted every paperwork they asked for in a timely quick manner. Have worked for 45 years and owned credit cards paid always on time. Need loan to pay off credit cards and do home improvement. Was told not to pay off credit cards pending loan approval. I asked to have my house which has no mortgage since it is paid off used as collateral. No one from TD Bank mentioned you can't use a home as collateral until 6 months after owning it to use half its equity. Waited and waited till 6 weeks until a loan processor for TD Bank told me he needed a Closing Disclosure statement from me and my closing attorney when in fact if you do not have a mortgage you do not need this disclosure statement. At which time at 6 weeks, my loan was denied and my credit scores have plummeted as I am having a hard time paying them off.
Company Response:
State: NY
Zip: 10954
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: TD Bank takes {$15.00} out each month if your account goes under {$100.00}. In XXXX, I legitimately was low. In XXXX, I briefly went under {$100.00} for a few hours when they charged the maintenance fee. I corrected that. Now, XX/XX/2023 I went under again for a few hours because of what happened in XXXX. The ONLY reason for the low balances is from the maintenance fees the bank is charging each month. This is predatory. No customer should be charged a maintenance fee if the only reason they are low if because of a fee the bank itself has charged. I am told they do not charge a fee if the call is made the same day the fee posts. But the fee posts in the middle of the night. I check my accounts the first thing every morning. I am not given an opportunity to change it the day they charge it. That's predatory too. It should be based on 24 hours and not the physical date the fee was charged. We live paycheck to paycheck like many other people. That extra {$15.00} is very important to our budget. This predatory behavior is reminiscent of the settlement TD Bank had over predatory overdraft practices.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Tried to call to company on XX/XX/XXXX XXXX got no where. It was an automated system.
Company Response:
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I previously filed a claim with the CFPB ( XXXX ) regarding fraudulent charges on my TD credit card account and requested help with receiving documents from TD regarding my case, as well as receiving a refund for these fraudulent charges and the interest accrued as a result of these fraudulent charges. The first round of fraudulent charges on my TD credit card account took place from XXXX XXXX, 2023 - XXXX XXXX, 2023 and resulted in {$2800.00} worth of charges. I reported this to TD on XXXX XXXX, 2023 when I first noticed the charges on my account ; I never received an alert regarding suspicious activity prior to this. The physical credit card was in my possession at this time ; however, I know that the card information was stored on a digital wallet such as XXXX or XXXX XXXX, as I received alerts on my account that tokenization occurred. I believe that the card information was skimmed and stored on digital wallets or on online accounts. Some of the fraudulent charges in XXXX were made online ( e.g. the XXXX purchases ) and others were done with contactless payment, which could be done with an NFC device storing my card information. Additionally, charges were made in a range of areas ( Maryland, DC, XXXX ) where I couldn't have possibly been at once. For instance, there were charges made on XXXX XXXX, 2023 in XXXX at the same time that I was using the card to buy groceries at XXXX in XXXXXXXX XXXX DC ( I am not disputing this XXXX transaction for {$210.00} ). Correspondence that I received from TD regarding this claim ( # XXXX ) are included in the files XXXX, XXXX and XXXX. The attachment XXXX is from the first time I filed to dispute the charges and was denied. TD listed it as 2 different cases, but I was able to combine them ( XXXX XXXX XXXX XXXXXXXX ; XXXX ) into 1 case file with the number XXXX. I filed a third time with TD on XX/XX/2023 to dispute these charges, but never received any correspondence regarding its status. I have since filed a fourth time with the case number XXXX on XX/XX/2023 and am waiting to hear back. There was also another round of fraudulent charges via XXXX on XXXX XXXX, 2023 ; these charges were refunded to my card ( case number XXXX ). Attachments XXXX detail these charges, as well as the refund to my account, and the correspondence I received from TD regarding this case is in the attachment XXXX. These charges also took place while I had my physical card in possession and after my first credit card was replaced. I believe that after my card was skimmed and the information was stored in a digital wallet, the credit card information updated automatically in that wallet and was able to be used by whoever stole my information. Given that TD refunded me for these purchases, I do not understand why they will not do the same for the previous charges, as the method of card storage and purchasing was the same. I sent this information to the CFPB on XXXX XXXX, 2023 ( " Fraud letter XXXX XXXX '' ) and TD acknowledged that the CFPB had contacted them regarding this case ( " TD CFPB XXXX '' ) but has refused to send me any documentation regarding my case or to explain to me why certain charges related to my case ( detailed in " XX/XX/XXXX XXXX '' ) were refunded and others weren't. Their most recent denial of my case ( " XX/XX/XXXX XXXX XXXX' ) provides none of this information. I am requesting that the CFPB please request that TD send me all documentation related to my case and explain why, despite having a zero liability policy and with federal law requiring consumers not be liable for more than {$50.00} in charges that result from lost or stolen card information, is still claiming that I am responsible for some of these charges and is still charging me interest.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A