Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Nordsrtoms account was charged off and than transfered to XXXX XXXX to chase us for money owed. We paid XXXX Account off and Nordstoms won't clear the balance to show XXXX on their end. This is severley impacting my credit score
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : 1. XXXX XXXX XXXX on XXXXXXXX 2. XXXX XXXX on XXXX/XXXX 3. XXXX XXXX XXXX on XXXX/XXXX 4. TD RETAIL CARD SERVICE on XXXXXXXX 5. XXXX XXXX XXXX XXXX XXXXXXXX 6. XXXX XXXX XXXX XXXX XXXX on XXXXXXXX A charge card account was actually approved by the TDRCSXXXX XXXX TD RETAIL CARD SERVICE XXXX on XXXX/XXXX/XXXX and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted TDRCS to request the account be cancelled.
Company Response:
State: CA
Zip: 92782
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX TD Bank, Customer Experience Advocate Operations Center XXXX XXXX XXXXXXXX XXXX, ME XXXX Re : Summary of Events and Request for Information re : Complaint # XXXX Dear XXXX XXXX XXXX : This is the fourth complaint Ive submitted to the CFPB in an attempt to seek answerers to TDs system for addressing international wire fraud reported by their customers. On XX/XX/XXXX, I reported fraud shortly after the occurrence and was confident TD Bank with its Domestic and International Wire Fraud Division and Global and Security Investigations Division would stop the fraud and return the {$41000.00} stolen from my TD Bank account. Although I acted reasonably under the circumstances in reporting the fraud, I have been misled with confusing bank procedures, conflicting correspondence, and at times, lies. The responses, from XXXX XXXX XXXX to my last two complaints, ignored the facts. I am sending this letter to you because XXXX XXXX responded each time by copying your letter with a couple of additions. Below is a summary of events followed by XXXX XXXX response to my last complaint. He did not answer many of my questions. I trust someone at TD Bank can answer the questions. Summary XX/XX/XXXX : I signed a Wire Authorization Form, International Outgoing Wire and received a Pre-Payment Disclosure at XXXXXXXX XXXX at the TD Bank Branch, XXXX, MD. The funds were to be held by TD Bank for 3-5 days to provide time to ensure there are no problems with the transfer. I reported the scam to the Branch Manager within two hours of signing the Wire Authorization Form. She filed reports with TD Banks Fraud Division and later with TD Banks Domestic and International Wire Fraud Division, per my request. Both were filed by XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX : I provided information in response to questions from the Investigator, TD Banks Domestic and International Wire Transfer Division. I worked with TD Banks Fraud Division to cancel my TD accounts and open new accounts. They were very helpful throughout the process. It wasnt until XX/XX/XXXX, that the Senior Investigator, Global and Security Investigation Division, called from his NY office to follow up on the Fraud Report. He was not aware of the investigation by the Domestic and International Wire Fraud Division. After a brief talk he concluded everything was done correctly. He did not respond to my calls or emails after I sent information he agreed to discuss with me. XX/XX/XXXX : I called the Branch Bank, as suggested by the Branch Manager, to check the status of the investigation and was told the investigators have the information they need, and the case is still open. I received a Receipt from TD Bank, XXXX XXXXXXXX XXXX, dated XX/XX/XXXX, at XXXX XXXX stating the funds were sent to the recipient ( XXXX XXXX ) at XXXX XXXX XXXX ( pick-up location ) and would be available XX/XX/XXXX. Note : The funds were sent to the Beneficiary on XX/XX/XXXX, at XXXX XXXX only eight minutes after I signed the Wire Authorization Form at XXXX XXXX, not enough time for the Branch Manager to review and approve the transaction as she told me, given she was helping another customer, as I exited the bank. See Question # 7 0n pg. 5 for additional information. I also received a letter from TD Bank ( no date or Bank location ) stating This letter serves as notification of the Outgoing Wire Transferon XX/XX/XXXX listing XXXX XXXX ( Beneficiary ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXXBank to Bank Information : XXXX Other Payment Error Correction*was stated at the bottom of the letter. Note : I called the TD number XXXX in the letter to ask the status of the investigation and was told my funds were with the Federal Reserve XXXX the agency that works with TD Bank and the XXXX XXXX to resolve the problem. That was a lie. I called the Federal Reserve and was informed they dont get involved in such cases. On XX/XX/XXXX : The Branch Manager called to inform me she received notice that my funds had been withdrawn by the beneficiary and are no longer available. Note : Funds were to be available to the Beneficiary on XX/XX/XXXX, according to the Receipt described above, dated XX/XX/XXXX. Following is the excerpt from XXXX Wire Transfer Investigations the Branch Manager referred to when she told me my funds were no longer available : PLEASE BE ADVISED WE HAVE RECD THE BELOW MSG FROM BENE BANK QUOTE IN YR CASE, WE TRIED TO CONTACT OUR CUSTOMER SEVERAL TIME BUT WE COULD NOT REACH HER FROM CONTACT DETAILS GIVEN TO OUR BANK. AND NOW THE FUNDS HAS BEEN WITHDRAWN FROM THE A/C. NO BALANCE REMAINING. WE REGRET BEING UNABLE TO ASSIST FURTHER. FOR FURTHER RECALL FUNDS PLS ADVISE REMITTER TO CONTACT BENEFICIARY FOR DIRECT SETTLEMENT. WE CLOSED OUR FILE. END QUOTE. PLEASE QUOTE OUR REF XXXX IN ALL CORRESPONDENCE RELATED TO THIS INVESTIGATION. Note : TD bank representatives repeatedly claimed, Our wire team has done everything possible to try to recover the funds. They describe everything possible as the Investigator sending an email out to the store to submit a fraud intake form and a recall for the Wire via their Correspondent Bank. The recall for the wire was sent to a beneficiary bank that does not honor recall notices but rather advises the remitter to contact the beneficiary ( an accomplice to the scam ) for direct settlement. On XX/XX/XXXX : In an attempt to resolve this case at the local level I requested the name and contact information for the TD Bank Regional Manager responsible for overseeing the Branch Banks in Maryland. The Branch staff gave me his name and told me I would have to give my letter to them to forward to him. I found his address and sent the letter certified mail. The challenges I faced after mailing the letter are described in the first complaint submitted to the CFPB. Questions from complaint # XXXX and XXXX XXXX responses 1. Where did the funds go immediately after withdrawal from my checking account? The wire was sent out immediately to the Beneficiary as you instructed. XXXX XXXX : I did not instruct TD Bank to send the funds to the Beneficiary immediately. I was told the funds would be held for three to five days before sending to the Beneficiary. Why werent the funds held for three to five days before sending to the Beneficiary, as I was told by the bank attendant? Did the funds go to XXXX XXXX XXXX on XX/XX/XXXX? If so, did XXXX XXXX Bank receive the recall request? Why didnt they stop the transfer? 2. What role does XXXX XXXX have in TD Banks International Wire Transfers? XXXX XXXX is our correspondent bank. Every bank has a correspondent bank while sending an international wire. XXXX XXXX : I know XXXX XXXXXXXX XXXX is TD Banks correspondent bank. XXXX XXXX is also identified as the Receiver Bank in TD documents. What role does XXXX XXXXXXXX XXXX have in TD Banks International Wire Transfers? Did XXXX XXXXXXXX XXXX send the funds to the beneficiary bank? If so, did they decide when the funds were sent? 3. What role, if any, does the Federal Reserve have in TD Banks International Wire Transfers? The wire process via the XXXX XXXX system or via XXXX XXXX system. The Federal reserve has nothing to do with a wire. XXXX : As previously noted, I called XXXX on XX/XX/XXXX, with questions about a letter I received stating the funds had been sent to XXXX XXXXXXXX XXXX XXXX referred to as the Receiver Bank ). I asked the status of the funds. After a lengthy time on hold, the TD Bank employee returned to tell me the funds were with the Federal Reserve, the agency that works with TD Bank and the XXXXXXXX XXXX to resolve the problem. I called the Federal Reserve and was informed they dont get involved in such cases. Based on this and previous contacts with TD employees I suspect there was a cover-up. Has TD Bank investigated the false information I was given throughout what I was led to believe was an investigation of the case? 4. Who are the parties in the attached NARRATIVE, namely the XXXX, We and Your? TD Bank is the bank who initiated the wire, and our correspondent bank is XXXX XXXX. XXXX, XXXX : I know TD Bank is the bank who initiated the wire and XXXX XXXX XXXX is the correspondent bank. Note : XXXX sent the Narrative received by TD Bank on XX/XX/XXXX, and are identified as XXXX wire transfer investigations. XXXX acknowledged receipt of your cancellation request dated XX/XX/XXXX concerning your payment for USD XXXX dated XX/XX/XXXX. The funds were paid XX/XX/XXXX confirming the false information I received by TD employees throughout what I was led to believe was an investigation of the case and contradictory to written communication I received from TD Bank stating funds would be available XX/XX/XXXX. Who is XXXX and what was their role in the investigation? Who is Your, referred to as the payer and the sender of the cancellation request? Both XXXX XXXX and the Beneficiary Bank are referred to as the receiver bank. Who is the receiver bank? 5. When and by whom were the funds sent to and received by the XXXX XXXX XXXX? The funds were received by the Beneficiary that the wire was sent to, we received an incoming XXXX message on XX/XX/XXXX, that the funds have been withdrawn and there were no funds in the account therefore the correspondent bank closed their case, in turn we must close our case. FACT : You did not answer the question. I see from the Narrative sent by XXXX Wire Transfer Investigations the funds were received by the XXXX XXXX XXXX the same day I initiated the request for the wire transfer. If the funds were sent from TD Bank to XXXX XXXXXXXX XXXX, as I was told, did XXXX XXXX XXXX send the funds? If not, who did? 6. What is the procedure for processing reimbursement of funds by TD Bank for my loss resulting from a misleading and failed investigation of my case # XXXX? When the store files a fraud intake form, the Fraud team will contact the customer on the issue, as mentioned above this occurred on XX/XX/XXXX. XXXX XXXX : Once again, you did not answer the question. Sr. Investigator XXXX XXXX contacted me on XX/XX/XXXX. He was not aware of the investigation Ive referred to throughout this document. What is the procedure for processing reimbursement of funds by TD Bank? I was tricked by the scammers into making the payment. I had a reasonable basis to believe the payment I made was for a legitimate reason and the business was legitimate. I reported the scam on XX/XX/XXXX, within two hours of initiating the transfer and was confident TD Bank had a system in place to prevent fraud. I received information over the next six days confirming my belief in TD Banks ability to prevent fraud until on XX/XX/XXXX, the Branch Manager called to tell me the funds had been withdrawn. If TD had adopted new rules of conduct in XXXX as had other banks they would have invested in a system to prevent fraud and help those of us who have fallen victim to fraud. XXXX XXXX added and answered the following two questions to my list, thus implying I asked the questions. 7. When was the approved processed? The wire was approved the same day as the wire being initiated. At the time the wire was processed you were provided copies of the wire documentation. On Page 3 of the wire documentation that the customer received states : You have the right to cancel a remittance transfer within 30 minutes of payment of the transfer and obtain a refund of all funds paid. XXXX XXXX : How could I have cancelled a remittance transfer within 30 minutes of payment of the transfer and obtain a refund of all funds paid if funds were sent immediately ( within 8 minutes ) to the Beneficiary? 8. Were there enough funds in the account at the time of the wire being submitted to process the wire? At the time of the wire there were adequate funds in the account to cover the dollar amount of the wire. No funds were transferred by a TD Bank employee into the account. At the time of the wire the balance in the checking account ending in XXXX was {$47000.00}. XXXX XXXX : Funds for the transfer were to be deposited to my checking account by XXXX XXXX, as I told the bank attendant. The morning of XX/XX/XXXX, the scammers required that I report if the funds had been deposited to my checking account. I monitored the account throughout the morning. When I returned home from the bank I saw {$42000.00} had been transferred from my savings account to my checking account. The Branch Manager told me it is the banks procedure to pull funds from one account to cover shortfalls in another account. If a TD employee did not pull funds from my savings account and deposit into my checking account, how did the transaction occur online? By whom? Over the past six months I have provided details of my experiences and asked questions of TD Bank to help me understand the confusing and conflicting information I received from them in processing and following up on a wire transfer request I submitted on XX/XX/XXXX, at the XXXX, Maryland Branch of TD Bank. Your answers to the questions in my first complaint were gathered from sources either unfamiliar with my case or, as I suspected, were covering up the truth. Most of the responses were incomplete or incorrect. I responded with the facts and highlighted what I saw as questionable business practices. My responses to XXXX XXXX letters is similar to my response to the first letter given he copied your letter with a few additions and edits. He repeated the same incomplete or incorrect answers and ignored the facts. I am sending this letter to you and trust someone at TD Bank will answer my questions. Thank you, in advance, for your assistance. Sincerely, XXXX XXXX XXXX
Company Response:
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In the summer of 2022, TD Bank offered a bonus for opening a checking account. The requirements were to open the account online and use the code supplied. I tried to open an account online but their website would not let it go through. So I went to a bank branch to see if I could open the account there The bank rep. who helped me open the account, assured me that I could open the account and that she would put in the code and I would receive the bonus. The bonus was to be paid in 6 months. Two days later, before I had actually made a deposit I was charged for checks. I deposited {$110.00} for a {$100.00} deposit and {$12.00} to cover the cost of the checks. Two weeks later I deposited XXXX. Seven months later the bonus was not paid. I went to the bank and talked to the same rep. who had opened the account for me and she said, after looking through the paperwork and my account, that she would check into it and see why the bonus wasn't paid. I went back to the bank a week later and was told that the bonus was denied because I hadn't opened the account, online, and hadn't entered the code, online. The rep remembered me and said she would appeal because she recalled telling me that her entering the code would be enough. I went back to the bank a week later and was told that the appeal was denied because I hadn't opened the account, online, and hadn't entered the code, online. While the bank is technically correct that I did not follow their printed offer, I would think that bank employees should know when an offer is rigidly enforced and not waste customer 's time. They not only had my money for seven ( now 10 ) months but they had me pay for checks I will never use.
Company Response:
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
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 an 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 any purpose.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: 1 ) I did a balance transfer of {$53000.00} from XXXX XXXX XXXXXXXX Credit Card to Target Mastercard on XXXX 2 ) Target Mastercard returned the payment of {$53000.00} CLAIMING they reversed the payment the same way they got it via Fiserv a 3rd party intermediary used by XXXX XXXX XXXXXXXX. 3 ) I called Target multiple times in an attempt to track down the money and was given the following information on the {$53000.00} reversal amount by XXXX from Target XXXX ~ XX/XX/XXXX : Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ET {$53000.00} 4 ) I called XXXX XXXX XXXX - XXXX XXXX advised the following - XXXX XXXX XXXXXXXX Credit Card sent money directly to Target Mastercard for Balance Transfers and does not use 3rd party Fiserv for that purpose - If funds were actually reversed exactly how they were received that XXXX XXXX XXXXXXXX would show the balance
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a Target RedCard and I was using it fine until this week and when I tried to place an order on the Target app it said there was an issue with the card. I called the number on the back of the card and I talked to a representative that told me I should fax or mail in a copy of the front and back of my driver 's license, the front and back of my signed social security card, and a copy of bank statements. I have never had to send my personal information to any credit company in any company and just the thought of faxing over my personal information to some random person who I never talked to or have a reference to track back to is ridiculous. Therefore Im filing this complaint in hopes that this ridiculous motion is known. When I asked what is the issue on why my card can not be in use they said they didn't know and it wasn't their department. Calling in there's no option to find the right department.
Company Response:
State: FL
Zip: 34135
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had 2 checks intercepted and fraudulently deposited to an account at TD Bank. I contacted XXXX XXXX XXXX XXXX, XXXX, and the TD bank. And up until this date, which is now siXXXX months afterwards, I have not received any resolution. On XX/XX/22 I wrote two checks to pay taxes. They were deposited after altering the payee and my signature. I have contacted both XXXX XXXX XXXX XXXX and T D, and they have not received any resolution. The amount of the checks with XXXX, XXXX and XXXX, XXXX. I also received a penalty for the state of Georgia which I want back also and I would like interest on the money
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Re : Target RedCard Every time I call the person on the phone refuses to give me a call back number, their name, an employee ID, or anything that they as an employee can be identified by. I have attempted to cancel my target card on multiple occasions. I will be placed on hold for 10+ minutes for someone to eventually end the call without actually canceling my card. The last time I attempted to cancel this card I discussed my frustration and was assured the card was cancelled. I requested an e-mail stating this and they reported that they could not do this but I would be mailed the termination letter. Well, I received a letter from target today stating my card was being upgraded to a XXXX. All I want is to cancel my card.
Company Response:
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A