Date Received: 2023-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have a Target XXXX and added my daughter as an additional. The card limit is/was {$7000.00}. My daughter rented a car from XXXX XXXX XXXX in XXXX XXXX, AR and the charge showed on XX/XX/2022 as {$170.00} from XXXX XXXX XXXX. The Target XXXX reached it's limit at that time. While my daughter kept the car beyond the weekend of rental, XXXX XXXX XXXX never charged any interval amounts to my card and according to her call log never reached out to her, while the car was still in her possession. There was nothing showing from XXXX XXXX XXXX until, the car was returned XX/XX/2022, my statement showed someone at Target, instead of declining, paid the charge of {$13000.00} to XXXX XXXX XXXX, making my card over {$20000.00}. XXXX XXXX XXXX did not and will not send me an itemized bill of the charges and I asked Target and it was stated they didn't have one and I would have to go back to XXXX XXXX XXXX for a receipt. Never received one. As I stated my card was at its limit of {$7000.00} at that time. I did dispute this charge and Target gave me no resolution and didn't agree with me that negligence had been done from the employee of their company because the amount should have been declined. Target did not agree with me and stated to me its a valid charge because the charge was authorized, I didn't agree as I have never had that to happen to me before. When I have always reached my limit on a card, any charges over were declined. I need help with this situation as I'm an older woman, XXXX, and worked for the federal government all my working life until I retired. Feel free to contact me. Thank you in advance.
Company Response:
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX XXXX XX/XX/XXXX Fraud Accounts opened using my SSN TD Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - received notice from TD Bank that an account under my name was overdrawn. This is not my account, opened using my stolen SSN.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2022 I submitted an affidavit of truth regarding TD Auto Finance furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. I have disputed the incorrect information that they are reporting to the Credit Reporting Agencies they refuse to acknowledge reporting inaccurate information regarding a charge off according to the internal revenue service a charge off as defined by the internal revenue service must be reported as cancelled debt as gross income. The IRS clearly defines a charge off as Gross of Ordinary income, INCOME DOES NOT GET REPORTED THE CONSUMER REPORT. Please see the attached Affidavit of Truth and a correspondence from TD Auto stating that the credit reporting is accurate. I am requesting assistance to hold them accountable for violation of 15 USC 1681 S-2b the responsibilities of furnishers of Information to consumer reporting agencies. Also on XX/XX/2022 I filed a notice of dispute that will be attached acct # XXXX.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: TD Bank is holding bank transfers longer than stated in their bank agreement. Money was transferred through XXXX and was received by TD Bank and confirmed by TD Bank received on Sunday. Money is not given to customer for 4 business days. Their banking agreement says 3 business days. The money will not reach my bank account until Thursday which is day 4. Spoke to a manager who confirmed that their banking agreement does say three days. However, they do not release a transfer until the 4th day.
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: TD Bank is still reporting a debt owed and late payments when the account was included in a XXXX XXXX XXXX. The amount is {$13000.00} from a credit card and TD Bank is not following the XXXX XXXX XXXX XXXX from XXXX that this debt was included in the bankruptcy. TD Bank is still reporting the debt to XXXX and indicating that it is late with a charge off status. TD Bank did respond to cfpb and myself on XXXX indicating they had sent an update to the Credit Bureaus to have the account updated to reflect the discharged bankruptcy and indicated a XXXX control number XXXX as confirmation this update was sent to the credit reporting agencies. But TD Bank had been contacted by XXXX via several recent disputes concerning this issue and XXXX continues to receive a response that the reporting of {$13000.00} is late with a charge off with no indication it was included in the discharged bankruptcy.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I can not access my online banking. I have been waiting hours for my account to be accessible. As a consumer of td bank I dont believe I should have to constantly wait for the issues the company is experiencing technology.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been a customer with XXXX for a long time. I have never been late. I asked them to remove the billing error and they lied to me and said that they have investigated and found it to be true. I have my detailed billing history and no this is not true.
Company Response:
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My prior complaints about this have still not led to resolution. TD Bank accepted a stolen, fraudulently endorsed check ( evidently deposited into a XXXX XXXX account ) and has still not credited my account for that error. The check was written to a landscaping company back in XX/XX/2022. It was deposited with some personally scrawled signature not even resembling the payee. It was evidently a mobile deposit that was allowed by XXXX XXXX. The TD Bank fraud investigation began in XXXX. I filed all the paperwork and prepared the submission with the assistance of the people working at TD Bank in XXXX XXXX NJ. This passage of time without resolution should be an embarrassment to the CFPB. TD Bank allowed this money to be taken from my account and all they say is they have to wait to hear back from XXXX XXXX. Enough is enough. The CFPB should intervene to ensure this evasive customer abuse stops and I am returned the funds that should never have been allowed to be taken out of my account. The fraudulent endorsement was obvious. How long must I wait to have my money returned? I hope the CFPB is able to persuade TD Bank to do what is obviously fair and just at this point.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
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: XXXX XXXX XXXX I received a refrigerator that I had ordered from XXXX XXXX XXXX XXXX XXXX, PA. When received and placed in my kitchen the refrigerator had several scratches, dents and a screw drilled through the appliance. I refused the delivery, but the drivers spoke little to no English and still left the appliance ( I did not sign anything ). I immediately called the store and spoke to a woman who asked me to text her pictures of the damage. Once I sent her pictures, I had to follow up several times over a two-week window. My last follow up I was advised that a check was mailed to me for a 15 % discount. I stressed again as I had been that I don't want the fridge. The {$250.00} dollar discount does nothing for me, I do not want the fridge and at this point the {$250.00} barely covers the warranty I paid for that is now void because there is a screw drilled through the appliance directly into the product. The first dispute with the credit card company XXXX I was told was not in my favor because I was offered a discount, which I never got or agreed to. My statement reflects no discount, and I never received a check. This discount does nothing for me, I want a functioning new fridge that I paid for and expected to get. After that dispute I was told to file another dispute, so I did. After I submitted the second dispute and paid a minimum due of {$77.00}, I started to get statements reflecting a negative balance, total credit limit of $ XXXX available credit {$10000.00}. The statement also reflected a previous balance of {$2100.00} and a credit/refund of {$2200.00}, balance- {$77.00}. Once I received this statement I called and spoke with a woman with XXXX who informed me that my statement is showing a negative balance because the dispute was found in my favor. Several months I continued to get a statement with a - {$77.00} balance up until now, now I have a statement for the full amount again of {$2000.00}. When I call XXXX I no one can tell me anything and instead I am referred to a XXXX immediately. I sat on hold for over 45 minutes while an associate tried to find notes as to why the dispute was in my favor previously but now, I am being charged again. All the associates could tell me is that the dispute was found in the merchant 's favor, but no details as to why or why it changed after several months. How is XXXX in the right when they literally have done nothing to make this right? I rejected the delivery, and the damaged appliance was left. No one has tried to help me or return my calls- the company is nonresponsive. They even lied and said they sent me a check for a discount, never received even if I was willing to accept the discount. Why is this credit card company not helping me? Why was it resolved and i was credited the purchase and then it was reapplied months later? I need help resolving this, it is not fair that i am stuck with a damaged appliance when i paid for a new one. This refrigerator does me no good especially with a screw drilled through the appliance.
Company Response:
State: PA
Zip: 19040
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Contacted TDBank to inquire as to why there was a credit pull on my report, they had not knowledge of this being done or my information. But for this i took a XXXX point hit for no reason. I then contacted XXXX to file a dispute. This is currently be looked after. I will know within 72 hours.
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A