Date Received: 2023-03-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This card was closed in XX/XX/XXXX when I the Consumer Account resulted in identity theft after my online account was hacked into by the XXXX XXXX XXXX. All information was reported to XXXX XXXX, XXXX, XXXX, Identitytheft.gov, XXXX XXXX XXXX XXXX, PC at XXXX XXXX XXXX, XXXX XXXX, CT XXXX and XXXX XXXX Agent : XXXX phone # ( XXXX ) XXXX case # XXXX Whereforth, the identity theft criminal was identified ; affidavit submitted to XXXX Attorneys in XX/XX/XXXX by USPS Priority Mail and XX/XX/XXXX by Certified Registered/Certified USPS Returned Receipt Post Card Mail that included : Affidavit and Witness Statement and Identitytheft.gov online reporting of XXXX Credit Card Identity Fraud . In addition to verbal and written correspondences dated ; XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Telephone Confirmation with XXXX XXXXXXXX XXXX XXXX XXXX received on XX/XX/XXXX USPS confirmation!
Company Response:
State: CT
Zip: 06605
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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: I bought >6k worth of furniture from XXXX XXXX XXXX. I opened a line of credit with the company at the point of sale. Apparently XXXX XXXX XXXX uses td credit card services. I have had ongoing issues with paying my bill since I got the first statement in XXXX or XXXX. Anyways, a late fee was waved in XX/XX/XXXX because of issues not related to anything I'd done. I paid regularly until XXXX, when I stopped receiving statements. Today ( XX/XX/XXXX ), I called and after being disconnected on and off for 10 minutes, I informed the customer service representative that I haven't received a bill in 2 months, and I don't want to be charged late fees for a bill I haven't received. I told her I WANT TO PAY, just wave the late fees. She investigated the case and discovered that my bill had been marked " return to sender ''. I never wrote that. I'd never received the correspondence. Anyway, she told me the late fees of about XXXX dollars wouldn't be waived, as I'd already had a waived late fee in XX/XX/XXXX. I asked to speak with a supervisor about the issue i.e. why am i being penalized for a mistake on the part of td card services or usps? Whatever the issue was had nothing to do with me, so my account should reflect no penalties. The customer service representative became upset and made it seem like my frustration was personally targeted at her, despite numerous statements indicating that I see her as nothing but a cog in a corrupt machine. She is powerless. Please let me speak to a supervisor. Instead, she told me explicitly that the call was being recorded. I said : let me speak to the XXXX that pay you. She screamed something and put me on hold, then hung up.on me. I told them when I was informed about being recorded that they should record me saying I'll be contacting the cfpb about td credit card services. I went ahead and paid the allegedly owed balance, hoping that your agency would help me get justice from these capitalist criminal extortionists. I paid, I believe, XXXX dollars or thereabouts. XXXX is late fees. Please help me get justice.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I purchased a Tv from the XXXX website and opted for the finance promotion offered on that website. I have been blocked from logging in online for several months and have not received a statement. The first I have heard from the lender is the delinquency warning which is attached. Online lenders should be required to offer acess to make payments online and should not prevent users from registering to view their accounts.
Company Response:
State: NC
Zip: 27612
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, a payment for XXXX XXXX in the amount of {$96.00} was posted to TD Bank checking account. On XX/XX/2023, I deposited {$260.00} in TD Bank checking account. However on XX/XX/2023 the same transaction was posted again to my checking account which now have my checking account in negative balance.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I was XXXX and went to XXXX XXXX XXXX picking South Carolina. I spent 13 days there and then I was bonded out on XX/XX/2023. When I got home my house was robbed and I seen all my personal information laid out on the table like somebody went through it with a fine tooth comb. My wallet and keys were in the house too. I immediately thought of my bank account and got online to TD Bank there I noticed from the time I was in jail they were fraudulent charges during those days. The amount of {$510.00} was missing from my account. I immediately called TD Bank and reported the charges I told customer service from XX/XX/2023 to XX/XX/2023 I was in XXXX and somebody used my card fraudulently. I filed a claim in a timely manner kept up with all the updates and sent information to the fraud department that prove that I was in XXXX for 13 days. I also made a police report and that was also sent for evidence that I was robbed. I gave the officer the information at the fraudulent charges and he said he would investigate. The investigation is not complete as I did not hear from him yet. On XX/XX/2023 I received the letter from TD Bank advising me that they concluded that an error did not occur and the reason for this decision was based upon the following. you advised your chip card was in your possession during an in-person transaction. IT ALSO STATES THAT IF MY ACCOUNT WAS PREVIOUSLY CREDITED IT WOULD BE REVERSED ON XXXX MY QUESTION IS HOW COULD I BE IN POSSESSION OF MY DEBIT CARD DURING AN IN-PERSON TRANSACTION WHEN I WAS IN XXXX? I RECEIVED ANOTHER LETTER FROM TD BANK DATED XX/XX/2023 STATING THEY HAD COMPLETED THEIR REVIEW INTO THE ATM DEBIT CARD DISPUTE CLAIM FILED ON XXXX IN THE AMOUNT OF {$510.00} THEY SAID AN ERROR DID NOT OCCUR THE REASON FOR THIS DECISION WAS BASED UPON THE FOLLOWING .... THE TRANSACTIONS APPEARS TO BE AUTHORIZED BY YOU. YOU CONSENTED TO OR BENEFITED FROM THE TRANSACTION. THIS IS UTTERLY RIDICULOUS. HOW CAN I AUTHORIZE ANYTHING BEING IN XXXX? HOW WOULD I CONSENT OR BENEFIT FROM THE TRANSACTIONS? I COULD NOT CONSENT TO ANYTHING I HAD NO PUBLIC COMMUNICATION AND HOW WOULD I BENEFIT FROM THESE TRANSACTIONS? IF YOU LOOK AT ALL THE CHARGES FROM WHEN I WAS IN XXXX THERE WAS NOTHING I could possibly benefit from. Why did I get two letters dated XX/XX/2023 and XX/XX/2023 saying that they reviewed my claim and the two letters had conflicting reports? I believe there was no investigation based on my findings of TD Bank 's transactions and they denied me because of the fact that was in XXXX. I called asking to request documentation on their findings and that is my right they told me to go into your local branch and get the information that's not what the letter says I will write a letter now asking for documentation. I am a XXXX veteran and can't get around that good and the fraud department wants me to go running around town to get information that can be mailed. I am appalled at TD Bank and their shady practices I'm very seriously considering closing my account and going elsewhere thank you for your time.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am currently dealing with a case where one of my checks from TD Bank that I sent in the mail was physically altered and cashed into a different account. The bank has not been responsive to me. On XX/XX/2023, the rent check for {$5200.00} that I sent in the mail from my TD Bank account was cashed. On XX/XX/2023 I was informed by my landlord that the check had not been received. After checking the digital records on my TD Account, I noticed that the check had been altered to have a different recipient, and cashed into a different account. I immediately contacted the fraud department at TD Bank and filed the claim. The representative on the phone saw the digital record and agreed that the check had clearly been doctored. However, since I live in XXXX, I am unable to resolve this by going into a branch. I was advised to fill out a notarized affidavit in order to get the process started. TD Bank informed me that they would mail me the affidavit to fill out on XX/XX/XXXX. By XX/XX/XXXX, the form had not been received, so I called my local branch in Pennsylvania, who was able to email me the form. The mailed copy still has not been received to this day. I filled out, signed, and notarized the affidavit that was emailed to me, and sent it to the TD Bank 's GSI department on XX/XX/2023. Since then, despite making numerous calls I have received absolutely no information about the status of my case. The bank is not being responsive to me. I've called the fraud department at least five times at this point, most recently on XX/XX/2023 and TD Bank continues to not give me any information on my case or even confirm that the affidavit has been received. I am worried for my personal sensitive information that was on the form, and I am worried that I will never be able to recover the money that was stolen from me. The fact that I can not even get a status of my claim, let alone a confirmation that my affidavit has been received is completely unacceptable. Thanks in advance for any help you're able to provide.
Company Response:
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX is reporting a late payment that is incorrect. I contacted them and notified them I had paid the payment on time in the store.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account was opened fraudulently and closed too old.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I started receiving collection notices from a bank I have no business with and called to inquire. I discovered someone had opened an account in my name and purchased goods totaling {$1700.00} through the XXXX XXXX XXXX with TD Bank and TD Retail Card Services. I don't use TD Bank, have no XXXX products, and have never done anything with the XXXX XXXX XXXX. As soon as realized this I called TD Bank to report fraud and place a hold on the account. They instructed me to submit a written complaint which I mailed and was received by TD Bank on XX/XX/2023. On XX/XX/2023 I received a letter from TD Bank describing they denied my fraud claim on the basis of provided recipes from the merchant to a free online email account that used my name in the email address ( ex. XXXX ). However, this is should not, and does not qualify as sufficient evidence that it was not fraud. Anyone can open a free online email with any email address. I now need to speak with the fraud and risk specialist again to further prove this was fraud even though I had already called, provided information, and placed a freeze on the account.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had a TD Bank checking account for 13 years which was impacted by fraudulent and unauthorized ATM debit card transactions charged to my checking account as described in the attached secure messages. Specifically, my checking account was charged around XX/XX/2022 for multiple debit transactions despite the fact that I never used my debit card, I had my card locked away safely under my sole control yet TD Bank authorized various Online purchases without my name, address, expiration date, 3 digit security code and other security features. Obviously, a hacker just guessed at a random debit card number which TD Bank accepted without the other requirements or, worse, a bank wide hack exposed my account data. My checking account was wiped out and I never received my requested explanation on how this fraud could happen in light that my card was never used and locked away safely. I was forced to clause my checking account as I lost faith in internal controls XXXX XXXX Bank. I request that the CFPB investigate how this could happen and how the subsequent events caused me irreparable harm by the lack of customer action to fix issues.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A