Date Received: 2023-03-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: it is a scam a person asked me for money for a job that he never did and now he is threatening me to send him more and he refuses to give me back what I paid. The transactions where {$280.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$400.00} on XX/XX/XXXX, {$600.00} on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX, {$900.00} on XX/XX/XXXX, and {$1800.00} on XX/XX/XXXX. I tried to canceled them but I havent been able and this person refuses to return it and is threatening me
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I regret to report that I have encountered difficulties when attempting to make payments on both tdbank.com and tdcardservices.com websites. Specifically, upon signing into these sites, I was unable to locate any payment options. Even after thoroughly reviewing each page, I was unable to find any payment options available to non-TD bank account holders. As a result, I was forced to make a payment in person at a TD bank branch. Upon visiting the TD bank branch, I discovered that my previous payment had been returned. I am unsure as to why this occurred, but I promptly made an {$800.00} payment the same day. Furthermore, I have now been informed that my account has been reported as delinquent to the credit bureau. I believe this to be unjust, considering the issues I encountered with the website, and the fact that the payment was ultimately made I believe on time but may have been processed late. I would like to request that the late payment be removed from my credit report. It is unreasonable that I must visit a branch in order to make a payment, and the tdcardservices website only displays my previous TD bank account.
Company Response:
State: NY
Zip: 10954
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Paid off debt in total to Target National Bank approximately 7 years ago. I never heard anything more from Target National Bank. Received a Form 1099C this year, indicating that the debt had been cancelled and that I had to claim as income on my taxes. Contacted them to correct this error. I have not received a reply by mail or phone and tax filing date is a month away.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Td bank is denying my claim for fraudulent activity on my debit card, I went to a branch on XX/XX/XXXX asking for help on my account they told me that theres nothing they can do until the pending transactions post on the account. When I went to the branch again on XX/XX/XXXX they were able to help me close my account and issue me a new debit card. They told me it takes 7-10 business days to be given a provisional credit. I called in to customer service on XX/XX/XXXX and they had messed up the transactions that were disputed, they told me that the claim was denied as there was no incorrect pin used. Then they told me they can refile a claim for me and told me the same it would take 7-10 business days to get refunded. Then I called in again the following week on XX/XX/XXXX and they told me it was denied again and that I should get a police report. I went to the police and they informed me that Td bank is aware to give their customers an affidavit, to come with that affidavit with the police report. I went back to the branch on XX/XX/XXXX and they printed out the statements and affidavit for me. They said that Td bank never filed the claim initially and thats why I was having these issues. Someone needs to hold Td bank accountable. Td had also said that my card was not used after reporting it but it was used at XXXX XXXX for XXXX on XX/XX/2023. At the branch on XX/XX/2023 they told me that the other branch didnt file the claim initially. I am awaiting a police report number from the police they told me it can take 2 or 3 days. TD Bank has told me that once I get the report number that the branch will fax it to them and that this can take anywhere from 14 days to one month. Td bank and its representatives have been extremely careless, they do not care for their customers yet we entrust them to hold onto our money. ATM XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Amount due is XXXX
Company Response:
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Company Response:
State: PA
Zip: 19135
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hi, this is part of a larger issue ... and my complaint is more about connecting to someone who can actually take some time to help and stop what seems to be happening and return control of my accounts back to me more than being a complaint : The issue : My accounts seem compromised in some type of way and it's been about 11 months now. The issue is communication, as I am on XXXX, I have a mobility issue... embedder with the fact that there is no reception at my domicile as well as no USPS mail service. How this affects me with the bank ... I can not log into my account, when it asks for a secure password, it can be sometimes WEEKS before I would be in a place that would allow me to receive it because your system is not XXXX. Additionally this bank uses a company called XXXX XXXX XXXX which seems to have someone elses ( my amatuer theory is this is some other customers information ) reports, as often data presented to me does not and has not appeared on any of the three credit reports of mine ... leaving me to either guess what the answer could be for someone else or answer everything as 'none are the right answer ' and most cases this will lock me out of the account, rendering virtual and mobile assistance and issue. WIth the bank being out of reach of me... I have gone to many lengths to try and resolve an issue with someone accessing my card information and using funds in my account for various things. ( again, because there is no help from the bank on what is the cause of this, I just have armature theories ). I have made MULTIPLE requests for tech dept 's help as well as a request for someone as a XXXX accommodation rep for the bank to contact me... I have not to date received response from these requests, and I have since been told that there is no way to track who reviews them or if they will respond. With the disputes active on my accounts, I have been told 10 days I will receive information, but many months later ... I am still not in receipt of any information. I still do not even have debit cards to two of my four accounts ... all of my calls I identify the issue with usps, and that all correspondence has to come by phone OR through XXXX XXXX again, no calls and no paper correspondence. Allegedly there is no way to follow up to see how these information promises are being delivered or where they are going... maybe they are going somewhere other than to me and this is creating the issue... again, I have no idea because there is no in-real-time contact with a live person who can both talk to me about the problem AND look at the account. Often I will get someone who might listen, but because they can not verify who I am, I have been told there are simply just generic notes on my account that says 'customer called but was unable to verify, redirected to a branch '. You have almost XXXX between my accounts, and I have not been in direct control of my accounts in several months at this point. Mobile, does not work, phone there is an issue, I can not go to a branch. I have been told 'you need to resolve these things with a branch manager ' and when I stress how I do not always have time on my side for that immediately, I am told 'that is your choice ' ( which starts a whole separate conversation about having 'free will " while also navigating a new XXXX ). Honestly SSI has been a more friendly and accommodating system in relation to the bank ... and they are the government and terrible, but they do seem to be mindful of XXXX rights. I have asked the bank for help from a designated person who handles XXXX with their customer and from the response received, I am assuming they may not actually have one. So this might seem like not a lot, but these are more bullet points to the timelines and titles to issues that can be bracketted down to further smaller things I have done, attempted, and documented in the almost 11 months that this has been felt as fully out of my control. I need help from someone in the bank.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: ON XXXX/XXXX/22 I OPENED A SIGNATURE SAVINGS ACCT WITH TD BANK ONLINE WITH A XXXX DOLLARS BECAUSE TD BANK OFFERED XXXX DOLLARS BONUS IF I FUNDED XXXX XXXX DOLLARS IN THE ACCT WITHIN 20 DAYS. THE STIPULATION WAS IT HAD TO BE NEW MONEY AND I COULD NOT HAVE A SIGNATURE SAVINGS ACCT. I WENT TO THE BRANCH ON XXXX XXXX IN XXXX NY AND DEPOSITED THE REST OF THE MONIES OVER XXXX XXXX DOLLARS TO MAKE SURE THERE WERE NO QUESTIONS BECAUSE THE BANK HAS RENEGAGED ON OTHER OFFERS BEFORE IN THE PAST.I SPOKE TO BANK PERSONELL BECAUSE OF THERE PAST HISTORY AND I WAS TOLD I MEET ALL THE REQUIREMENTS AND I WOULD RECEIVE THE BONUS OF XXXX DOLLARS.I WENT ONLINE AND PRINTED THE TERMS AND CONDITIONS OF OFFER BECAUSE THEY HAD A HISTORY OF THEM LYING TO ME IN THE PAST.I CONTACTED THEM 3 WEEKS AGO AND WAS TOLD THEIR BACK OFFICE WOULD EMAIL ME WHY I HAVENT RECEIVED THE BONUS IN MY ACCT.I CONTACTED THEM 3 TIMES NO ANSWER.I TOLD THEM IM A XXXX XXXX DEALING WITH A LOT OF HEALTH ISSUES PLEASE DO THE RIGHT THING AND RESOLVED THIS PROBLEM.I HAVE NOT RECEIVED ANY REPLY.
Company Response:
State: NY
Zip: 11772
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX, XXXX. Someone uses a fake ID at TD Bank, Opens a new checking account in my name, and gets access to my TD bank checking account ( ending XXXX ), Transfer all my money I believe was {$2300.00}, to the newly opened account ( ending XXXX ). the newly opened account was overwritten my account. he/she changed my online banking password, address, and phone number. withdrawal of money in two transactions {$1000.00} and {$1100.00} on the same day. ( XXXX )
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Back in XXXX XXXX CFPB helped get my stimulus money returned from TD bank. I have a {$68.00}. XXXX XXXX XXXX deposited {$850.00} into a closed account. They used the original card I used at the hotel. XXXX cashed in a {$4700.00} certified cashiers check, and the bank still hasn't returned my XXXX XXXX refund. The refund was sent XXXX XXXX XXXX XXXX is the manager at XXXX and XXXX sent the funds to closed TD bank account. your agency got my {$600.00} returned td bank is criminal they still haven't paid me my money from XXXX. They're at fault for not verifying that certified bank check and allowed it to come through. There were three refunds sent to the td bank account. XXXX did fraud she didn't close the account in XX/XX/XXXX the funds from TD went to it they also kept that. I'd like my XXXX XXXX refund returned. TD bank is criminal fraud.
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A