Date Received: 2023-05-16
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: just applied for first time home loan with my credit union and it pulled up accounts that were closed! I just checked XXXX, XXXX, XXXX and these two accounts are not on my credit reports. The companies are XXXX and Nordstrom credit cards. I can not give dates due to them not being on my 3 credit reports or amounts. I need them removed immediately. I don't understand why they showed up on my bank.
Company Response:
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate / fraudulent account information on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report.I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims.I have also sent a letter to the creditor disputing ownership of the account, and demanding the immediate removal of the account from all credit reporting agencies, as well as provided documentation such as FTC Report, police report, as allowable by law to the creditor and credit reporting agencies regarding this errors. The creditor has failed to respond to my request.Despite my efforts, the inaccurate/fraudulent account information remains on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XXXX XX/XX/2022, {$590.00} worth of fraudulent charges were made on my TD Bank Visa card. No verification attempt was made by the recipient ( XXXX AA ), as the name given was not the name that goes with the card. I disputed the fraudulent charges and received a waiver of the charges on XX/XX/2022 ( attached ). But then they reversed that decision arbitrarily, based on no evidence. Furthermore, I have used this XXXX for well over a decade with zero history of anything but complete honesty ; I don't know how could have been any more of a model customer. TD Bank arbitrarily decided to steal that {$590.00} from me. Furthermore, when I spent a couple of hours on the phone attempting to get some kind of answers, they resubmitted it to investigation with the promise that I would get an answer within 6 months. No answer came and I called again, going through another 45 min. on the phone to get someone to promise I would get an answer within 10 days. That answer never came either. TD Bank has been horrible to deal with, both in terms of dishonesty and difficulty of finding anyone to talk to. It took me a half hour on the phone today to cancel the card.
Company Response:
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I monitor my credit closely and noticed a hard inquiry on my report from TD Retail Services. I contacted XXXX immediately and was told to contact the company that issued the credit card. I contacted TD Bank immediately to let them know I did not open the account. Then I contacted XXXX again on XX/XX/2023 Report # XXXX to let them know I spoke with the issuing company and they promptly removed the hard inquiry from my credit report. I was told by a representative at TD Bank that the name and social security number did not match my home address listed on the application- and the credit card company issued the card anyway. Now there is {$3600.00} in charges that are appearing on my credit report. Fast forward and I receive a letter dated XX/XX/2023 stating I have 14 days to dispute the charges/card- I receive the letter on the XX/XX/XXXX -the XXXX day and when I try to contact the phone number on the letter, it rings and rings and says the voicemail box has not been set up - XXXX XXXX XXXX XXXX I reported the fraud to the 3 credit reporting agencies and am now reporting it to you too. The company is TD Bank Case number XXXX - they are responsible for this mess and I am not a " victim of identity theft '' I am a victim of a company that did not due their due diligence prior to issuing this card. TD Bank issued a credit card for XXXX XXXX XXXX Account ending in XXXX- they are responsible for this fraud. My credit was pristine and now they have reported this amount to the credit bureau which is going to tank my credit when I don't pay the bill I am not responsible for. Please help me.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX I paid a contractor XXXX XXXX via check for a service from my account at TD Bank so the I could have proof of payment.It has been over a year and contractor failed to complete job so I filed a complaint with the state.The state referred me to XXXX XXXX XXXX for reimbursement due to failure of completion.The XXXX XXXX XXXX is requesting proof of payment which I am now unable to provide after going to the bank on XXXX I was told the check was never endorse even though money was withdrawn from my account.Due to the negligence of Td bank I currently don't have the proper proof of payment which was there duty to uphold and make sure all non-account holders provided proper endorsement and identification.
Company Response:
State: FL
Zip: 33880
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I requested two balance transfers for {$2100.00} and {$1500.00} on XX/XX/XXXX at around XXXX EST. The terms disclosed during the transfer ( screenshots attached ) were a 3 % fee, which was applied to my account ( as disclosed ) and a 0 % APR on these balances until XX/XX/XXXX. For some reasons, TD Bank only " processed '' the transfers in the following days and is now saying the promotion had expired by the time they processed them. All this, in spite of the terms that were clearly disclosed to me during the transfer. As a result, they are now charging me 19.5 % on these balances. This is very deceptive advertising and, in my opinion, a gross violation of the most basic UDAAP compliance requirements. I contacted them and they have not agreed to their error or any corrective action. On a side note, their mobile app does not offer any payment option, the only way to pay is through the website, though the autopay system offered there does not work correctly. A double payment of $ XXXX ( statement balance amount ) was applied to my account in XXXX ( manual payment I made + remaining statement balance auto-paid 10 days later ). Not only their system doesn't process remaining balance amounts correctly but it applied a $ XXXX payment on an account with already a XXXX balance, which is a gross violation of the most basic AML rules. It took me 3 weeks to get my money back ... Their customer service is very inefficient. In my humble opinion, this card program should not be live to consumers.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I entered a TD ATM machine to withdraw {$40.00}. My account had roughly {$350.00}. I took my money and walked away. Less than one hour later, I opened my TD Bank ap and saw - {$700.00}. I looked and saw my card was missing and that I had probably left it in the machine. I literally ran back to the bank frantic as life has not been kind to me lately, financially, in many ways. The bank manager sat me down, calmed me down and assured me he would be putting in a report/claim immediately and more importantly, provisional money, would be given to me within 48 hours. I never received that provisional money. I just learned today that my claim was Denied! I found this, as did all the TD bank reps I spoke with via phone and in person to be a cut and dry case of fraudulent activity. I was told cameras were not looked at which baffled me. One rep said I would need a police report in order for cameras to be looked at which 1 ) is outright scary 2 ) wouldnt you want to see the perpetrator and get the funds/situation handled to the right person? I have spent all day, XX/XX/2023 at police stations, doctors for stomach issues ( bleeding internally/can provide documentation ) and TD branches trying to rectify this situation.I borrowed this money from my mother who has lived the last 2 years as a widow to my father, who lost his life to the co-vid XXXX virus. We are struggling mightily to recover from losing this {$1000.00}. ( It was 2 {$500.00} transactions ) ( it was a female, white, hospital employee ). I am almost certain this is whom stole my funds/used my card. I am being told my claim is denied because another individual knowing your pin. I stood inside a TD bank today and literally watched as people put their pin in the machine. It is not difficult to view the numbers from a distance. I am scared, hungry my mother and i need this {$1000.00} In order to maintain a feasible lifestyle. We just want the bank to give me {$1000.00} back. I dont know if anyone will ever read this but God bless you if you find it in your heart and knowledge of this field to help me recover this money to give back to my mother. My name is XXXX XXXX. Thank you more than you will ever know.
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Complaint is against - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX TD Retail Bank services XXXX XXXX XXXX XXXX XXXX XXXXXXXX I purchase cell phone XXXX XXXX XXXX XXXX XXXXXXXX - intially with XXXX XXXX I fully paid the financed service. After that XXXX financing continued to charge me for XXXX care and XXXX XXXX service. In XXXX XXXX phone broke up and XXXX XXXX insurance coverage XXXX- couldn't replace my cell phone stating- " we do not carry XXXX Note XXXX XXXX any more '' and agreed to refund me a check. When this happens I notify XXXX financing as well as TD bank customer service personell- to cancell XXXX XXXX and XXXX XXXX service-since they did not replace phone to me. As of XXXX, XXXX I cancelled XXXX XXXX and XXXX XXXX service via phone calling XXXX XXXX directly and TD bank- that was right after XXXX XXXX XXXX XXXX issued me refund check. As of XXXX, XXXX no billing shouldn't be issued under my name. However, XXXX financing continued to issue billing for non existing service. Not only monthly billing adding late charge for non existing service. I called multiple times to customer service they apologized all the time and verbalize agreement for not to issue charge or issue bill as of XX/XX/2023. However, company is falsely sending bill as if i am i am receiving service from them. When i called XXXX care blaming TD retail card service for Issuing charge and vice versa. I tried to search their adress to file complaint via XXXX or open legal case aginst them and couldn't find adress other than postal adress writing in top. I am wrting to let them know that i am very disappointed about the game they are playing and disputing the all charges charged issuef as XXXX, continually till XX/XX/2023 Please cancel issued charge for non existing service.
Company Response:
State: MD
Zip: 20903
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I recently signed up for a TD Beyond XXXX account bonus with a {$300.00} sign up offer. I made my deposits as required and realized there were fees associated with the account that I was not aware of. I called a TD representative and asked explicitly if I were to downgrade to a TD Convenience XXXX if it would affect my eligibility for the bonus. He explicitly informed me it would NOT and that if anything I would receive the {$200.00} bonus for the TD Convenience XXXX instead of the {$300.00}. But he assured me multiple times I would be receiving the bonus and proceeded to downgrade my account and refund the fee. After not receiving the bonus after having my account open for almost XXXX months, I reached out to TD again on XX/XX/14 and was informed by another representative per their " promotions team '' that I would not be receiving ANY bonus because by downgrading I was disqualified and they do not make any exceptions, not even for bank error. I did not even close my account, I still have a checking account open. As a new customer, this was so off-putting and unprofessional that I will not be receiving a bonus as promised after meeting their requirements because of misinformation by their representative on a recorded line. They did not even attempt to pull the call or rectify the situation. I am wondering if they pay these bonuses out at all, or if they dangle them over new customer 's heads to lure them in and then renege on their promises. I am so disappointed in this experience with TD bank, I will be closing my accounts and taking my funds elsewhere, as well as discouraging anyone I know from utilizing their products and services if this issue can not be resolved. This was beyond unprofessional on their part and I do not feel valued or respected as a customer at all if this experience is a testament to their customer service.
Company Response:
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A