Date Received: 2023-12-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Dear the Consumer Financial Protection Bureau, I am writing to formally file a complaint against TD Bank concerning the unjust investigation of six fraudulent transactions that occurred on XX/XX/2023. Despite providing concrete evidence, I have been informed that my case has been closed, and I have not been properly assisted in resolving the issue. To provide context, I was admitted to two different hospitals from XX/XX/2023, to XX/XX/2023. Upon my discharge from the second hospital on XX/XX/2023, I discovered that my TD Bank cards, social security card, ID card, and property were stolen from my former address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Subsequently, six fraudulent transactions were made on XX/XX/2023 ( {$530.00} ), XX/XX/2023 ( {$660.00}, {$300.00}, {$220.00}, {$840.00}, {$97.00} ) from retailers including XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX. Taking immediate action, I filed a police report on XX/XX/2023, at the XXXX precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. A detective is currently handling my criminal case, underscoring the severity of the situation. However, upon receiving a letter from TD Bank 's US headquarters on XX/XX/2023, I was dismayed to learn that the investigation had been closed without a satisfactory resolution. The bank 's explanation, asserting that the transactions were not fraudulent because the thief would not conduct six transactions on different days and that I must know the perpetrator, was both baseless and unfair. It is essential to note that TD Bank had already closed my account and still had not issued me two new cards. I firmly believe that TD Bank 's handling of this situation is in violation of the Electronic Fund Transfer Act ( EFTA ) and has egregiously infringed upon my customer rights. I am formally requesting the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure TD Bank rectifies these significant errors promptly. I demand that the amounts of {$840.00}, {$660.00}, {$530.00}, {$300.00}, {$220.00}, {$97.00}, fraudulently withdrawn from my account, be permanently credited back without any further delays. Additionally, I expect to be treated with the respect and dignity every customer deserves. To substantiate my claim, I have attached four crucial pieces of evidence : 1. A copy of the police report filed on XX/XX/2023, regarding the grand larceny case at my former address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, which occurred on XX/XX/2023, the same day I was XXXX XXXX XXXX XXXX 2. A picture of the detective 's business card from the 26th precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 3. A copy of TD Banks statement on XX/XX/2023, reflecting the same address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, where the crime occurred. 4. A copy of the discharge papers from the second hospital. Thank you for your prompt attention to this urgent matter. I am hopeful that with the assistance of CFPB, this issue will be resolved satisfactorily. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear CFPB, Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization. The consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802. Attached is the following companies who are reporting after an opt out letter and verbal communication was giving over 30 days ago. As the CFPB per 15 USC 6805 ( A ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follow you shall enforce this law to the following companies listed below. Sincerely, TD AUTO FINANCE Account Type - Detail : Auto Loan Auto Loan - Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$27000.00} {$27000.00} {$27000.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$7200.00} {$7200.00} {$7200.00} High Credit : {$7200.00} {$7200.00} {$7200.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Monthly Payment : {$180.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1800.00} {$1800.00} {$1800.00} High Credit : {$3100.00} {$3100.00} {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$690.00} {$690.00} Last Reported : XX/XX/XXXX XX/XX/XXXX
Company Response:
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: i did not authorize this acct to be opened, it is fraudulent
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I was late on a payment, under 30 days, tried to make the payment and my bank rejected the payment due to insufficient funds instead of charging the overdraft fee. I had no other way to pay, I talked to TD Bank and told them I would be able to pay the account in full on the XXXX of XXXX. They then called me 12 times within 7 calendar days, including 3 times the day before XXXX. The past due balance was {$29.00}. At this time I had noticed my credit limit which was originally {$2200.00} was {$380.00} as of XXXX, I was told by one of their customer service reps that I was considered " high risk '' although management denies this, and therefore my credit line was decreased. I told TD Bank that I would pay the amount in full on XX/XX/XXXX and would be closing my account and never doing business with them again. I received a credit score notification, due to the credit line decrease and they reported my late payment as delinquent, my credit score which was XXXX crashed down to the XXXX. I called the company after I had paid in full to try and resolve the credit issue and they told me there was nothing that they could do. They told me I would have to dispute it with the credit agencies, which I have now done. I asked if they would fight me on the matter as I was a good customer who always paid on time and always paid more than the minimum but have recently run into some financial difficulty, the manager told me that they could not say and that it was best for me to just try. I'm a XXXX veteran on a fixed income and have not been receiving my normal pay from schooling due to XXXX. I always pay my bills on time and 1 discrepancy should not destroy my credit. I feel like I have been wronged, between the harassing phone calls the day before a holiday to the retaliatory strike against my credit, this seems unfair and unusual.
Company Response:
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/23, a check was cashed against my account for {$1700.00} that should not have been. The check came from an account whose account number differs from mine in a single digit. This has happened 3 times in the past year. I messaged TD bank through their portal asking them to fix this. At first, they said they would and urged me to not feel as irritated, yet nothing happened. I asked them again, and they said they had dealt with it on XX/XX/23, but that was for a different instance of the same problem ; at that time, they had cashed a check for {$2200.00} against my account that should have come from a different account. I have now messaged them again to fix this, yet I have gotten no response. They need to fix their software so that the scanned checks dont get account numbers misattributed to mine, and their customer service needs to do their job and basic due diligence when dealing with these false transactions. Most importantly, they need to give me my money back and stop this from happening again.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Well first of all the whole car buying process was thru texts with dealership. He drove the car from XXXX to XXXX and I put XXXX cash down on the car which was XXXX. The dealer made a verbal agreement that if I put XXXX down I can get it for XXXX. My car was total and they say my payoff was XXXX plus, but when I look at my last statement its a little over XXXX left. I payed XXXX month car note 5 years plus XXXX down XXXX looking at XXXX for a XXXX car. Basically I got played and my pay off is wrong.
Company Response:
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: TD Bank is alleged to engage in misleading conduct vis -- vis the bank regulator. The initial paragraph of the communication dated XX/XX/2023, purports that the bank possesses the discretionary authority to close accounts, among other prerogatives, as articulated in the provision entitled " XXXXr Right to Refuse/Close Accounts. '' This provision states, " The Bank reserves the right to refuse to open any Account and to terminate any Account at any time, and for any reason, or no reason without notice to you ( unless notice is required under applicable law ). '' However, it is contended that this provision pertains exclusively to the banking relationship. The undersigned expresses a reluctance to perpetuate said banking relationship should the bank exhibit a disinterest in facilitating business transactions. The focal issue pertains to the mortgage and loan agreements, constituting a contractual nexus between TD Bank, the lender, and the undersigned, the borrower. The undersigned avers continued adherence to the stipulated obligations within the loan agreement, remitting timely payments as required. Notwithstanding, it is alleged that the lender is engaging in discriminatory practices by impeding online mortgage payments, ostensibly motivated by the unfavorable status of the banking relationship. It is underscored that the loan agreement executed by the undersigned does not confer upon TD Bank the unilateral authority to modify the terms of the loan, a standard feature in XXXX XXXX XXXX XXXX XXXX loan agreements. The undersigned asserts a lack of proper channels for communication with the lender, encountering redirection to the demarketing department when attempting to engage with the loan servicing department. The perceived discriminatory treatment is vehemently contested, as the undersigned claims innocence of any wrongdoing. Furthermore, the undersigned contends an inability to receive correspondence through mail, highlighting a deficiency in the delivery method, specifically citing the absence of proof of delivery in the case of prior statements dispatched via regular first-class mail. The undersigned disputes having consented to exclusive notice delivery through first-class mail. The lender 's representations at the loan agreement 's inception purported that online payment and viewing facilities would be accessible. In light of the alleged inadequate servicing of loans and efforts to position the loan in default, the undersigned respectfully implores the Consumer Financial Protection Bureau ( CFPB ) to intervene. The request is for the CFPB to compel TD Bank to transfer the loan to an alternative servicer, premised on the asserted animus towards the undersigned as a customer, deemed to contravene the Fair Housing Act.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
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: RE : XXXX order XXXX, placed on XX/XX/23 The Issue : Target XXXXCard is refusing to offer a chargeback on a return lost in transit. This is despite the fact that the item 's value ( USD {$280.00} ) was returned to XXXX by XXXX - the party responsible for the loss- via a claim issued on XX/XX/23. Background : On XX/XX/23, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX that arrived in damaged condition. To resolve the issue, I reached out to Target Guest Services on Saturday, XX/XX/23 to share my disatisfaction and request to return the item to XXXX by mail for a refund. XXXX XXXX Guest Services team shared a XXXX return label - shipment XXXX - on XX/XX/23 and advised that a carrier ( XXXX ) would pick the item up on Monday, XX/XX/23. The item was to be delivered to one of XXXXXXXX XXXX return warehouses located at : XXXX XXXX XXXX XXXX, IN XXXX The item was picked up on XX/XX/23 as scheduled and subsequently lost by XXXX on XX/XX/23. I reached out to XXXXXXXX XXXX Guest Services Team on XX/XX/23 to notify them of the loss and seek resolution. Despite repeated outreach, I received minimal assistance. On XX/XX/23, I was called by to a XXXX Guest Services reprenentative to speak about a XXXX XXXX XXXX XXXX XXXX XXXX complaint I'd raised regarding this issue. On that call, I was advised to pursue a cargo claim for the item. I was further encouraged to do this in a written response on XX/XX/23, which is currently posted on XXXX XXXX XXXX XXXX complaint 's page. After working with XXXX for weeks on a resolution, XXXX conceded that the item - a box standing at XXXX feet and weighing XXXX pounds- was lost in transit and could not be retrieved. To resolve the issue, XXXX issued a claim to XXXX for the purchase price of the item ( USD {$280.00} ) on XX/XX/23, pending the receipt of a short request form and a document verifying the sale paice of the item. Despite being credited, XXXX refuses to honor XXXXXXXX XXXX resolution and has denied to refund me for the return. I'm also unable to work directly with XXXX on this issue any further as XXXX only issues claim payments to the label senders ( i.e., the person/entity that creates/pays for the label ). XXXX presumably knew that I could not be issued a cargo claim payment when they recommended that I pursue that course of action. ( Note : I was told on my call with XXXX XXXX Guest Services representative that this is what is 'usually recommended ' to customers in similar situations. ) It should be stated that, by design, XXXX does not allow customers to use self-generated labels. Also, ehrn requesting returns, customers can not take any other precautions to make sure that their packages are properly insured in the event of a loss. Labels are also only provided for two carriers ( XXXXXXXX XXXX XXXX ), both of which only issue claim payments to the shipper/merchant if an item is lost or damaged in transit. Because of this stipulation, if an item is lost or damaged while in a mail carriers possession, XXXX customers have no way to recoup payment for lost item - especially if they used a XXXX branded card for their purchases. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: A dispute was submitted on XX/XX/XXXX for several ATM transactions that were not properly dispensed. No money was dispensed on each attempt, instead the ATM displayed an error message to contact your financial institution. The transactions are as follows : {$500.00}, {$500.00} and {$200.00} on XX/XX/XXXX. {$200.00}, {$200.00}, {$200.00}, {$200.00}, {$200.00} and {$200.00} on XX/XX/XXXX. An attempt was made to rectify this problem with the merchant but was told to contact my bank. TD bank ultimately made the decision to deny the disputes only 1 day after they were submitted, without citing an explanation for doing so. On XX/XX/XXXX an attempt to retrieve additional evidence was made. TD was not able to formulate how their decision had come about. No ATM logs could be located to verify authenticity of their decision. As a XXXX XXXX XXXX for, XXXX XXXX XXXX XXXX, I am very knowledgeable about Regulation E and the guidelines it entails. It is my belief that TD Bank is in direct violation of XXXX XXXX and they are not committed to their duties of putting their customers first. Again, I feel like no effort was made in this dispute process. How can a decision be made in 1 day?! Thats not even enough time to retrieve the ATM reports. Someone has dropped the ball and it could be costing customers their hard earned money! I am filing this formal complaint asking that an investigation be conducted immediately into the banks practices regarding federal regulations! I will also be seeking to retain an attorney in this matter. Absurd and ridiculous is what this is!
Company Response:
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Tdbank allowed money to be stolen from my business account and when told to file a claim i went to the bank I opened the account with and they would not help me because it was to many claims and it had to be done manually one bank did a very few and asked the manager to complete them and the manager tried to talk me out of it and said come tomorrow when I went the next day I saw her hide and then she sent another manager out there to Argue with me I went through all of this behind them neglecting my account they also left a compromised account that I told them about while it was happening open and connected to my new account when I called them out on this they said it was legal they are the reason my funds are gone then when I said my funds are fdic insured they said no they are not then when asked where my provisional credit was knowing this was there fault they never gave it to me after the ten days now Im proceeding with this lawsuit they denied a fraudulent check with no signature for XXXX that clearly wasnt me they lied about sending statements they said in the last talk through youll they sent statements which they didnt they said it was to late to file a claim they are supposed to protect our funds and with identity theft its never to late to file a claim I contacted the ftc they said our money is insured when tdbank told me it wasnt they would not file my claims and to prove it if youll could request my bank statement they tried to cover up the account they messed up on but thank god I have the account numbers they could not find this account that goes to show they tried to hide something but now my lawyer found out why so we are now seeking millions unless my insured funds are refunded and now come to find out why my funds was missing it was due to the XXXX date breach but the way they lied about things I think it was one of them that left my business done and family hungry and for that right there Im seeking 100 times the amount that went missing from the sba funding and I wan na bring this to a platform so I contacted help me XXXX and told the illegal crooked things that happened and how they allowed my funds to be missing now come to find out I was in this data breach so that goes to show they lied about everything praise God I knew he would bring everything to light the chairman ignored everything when I knew this wasnt me and the fraud department lied and said the chip was verified if you look up this bank and people who filed legitimate claims that was. The same reason they told everyone Im bringing this thieving lying bank to the forefront and Im looking for millions now when I explained my case to the lawyer he said slam dunk once the fdic stated they lied and when he followed up on the lie that its legal to have a fraudulent account connected to my new account opened due to fraud and found out that was a lie and negligence he was excited as I was then when I showed him the affidavit with no signature and told him they said they not doing anything about it this case was over I have every conversation recorded from first to last this bank would not even file my claims tried to cover up the account they messed up on said it was legal to have a fraud account open and my new account connected reason why they tried to hide my original account said my money wasnt insured denied everybody claims even the workers that work for them she said they denied her XXXX dollar claim then gave it to her then took it back I wont and cant stand for this they ruined my life now in coming for millions due to the lies and XXXX databreach they denied there manager of they bank claim for XXXX dollars so you know they was gon na do everything to deny a XXXX business owners claim Im just glad I kept up the fight because I have so much evidence of neglect so no matter what they say about time frame this overpowers it with negligence and illegal activity with the lies they told everybody this is already on help me XXXX i broke everything down names and everything and the faces they made when they heard this was shocking these people need to be sued and shut down but if my money is not returned before my lawyer proceeds this week they need to be ready for a XXXX dollar suit against them I will not stop till I get my funds and justice I have so many things recorded and emails saved which will show the judge these people are thieves and liars and tried to get away with my funds being stolen due to them and thank god I have screenshots of both the accounts being connected the fraudulent and new account the account they couldnt find all of the sudden that they tried to hide I have proof of everything and Im also if possible seeking criminal Charges and the person who handled my dispute and the people who covered this account up Im leaving it up to my lawyer to pinpoint these people and whoever responded to my last complaint with these lies of chip verified
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A