Date Received: 2023-02-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX I received a text asking me if I had made a purchase at XXXX in the amount of {$360.00}. The text looked official like it was from my bank which is XXXX. We have received texts like this before where someone was fraudulently trying use our debit card and we're then sent a new card. So I responded no. I then immediately received a call from XXXXXXXX XXXX from their legitimate number. I latter found out that scammers can make it look like they are calling from a legitimate number. The scammers told me someone had hacked into my account and I needed to change all usernames and passwords. They also said they were trying to do a wire transfer and they would walk me through how to counteract this by having me do a wire transfer. I had them on speaker phone as I was on the website about to wire the money when I told them I'm not comfortable with this. I asked to speak to his manager and without missing a beat another smooth talker was on the phone assuring me they were from XXXX. I sent the {$7800.00} wire transfer. Within an hour I started to realize my worst nightmare was possibly unfolding and called XXXX. They said it was not them and that I had likely been scammed. I asked them to stop the transfer and all they did was have me type in a secure message that said I wanted to do a wire transfer recall. I couldn't even talk to a person. The next day they responded with a message to see if I still wanted to go through with the recall. Of course I did but now by the time they even initiated it the next day we were 48 hours in. Over a week later they responded back to me again by secure message that the receiving bank which was TD Bank had not gotten back to them after repeated attempts. I even have the name on the account where the wire was sent. XXXX then started giving me the run around. Telling me to contact TD bank and giving me other websites that didn't exist and phone numbers to call that were not in service. I then tried contacting TD bank but couldn't make any progress. They told me XXXX needed to contact them? The name on the receiving account of the wire transfer was XXXX XXXX. Of course I don't know if that's a real name but it's the name on the account where my {$7800.00} went. I can't believe TD bank will not even respond. My complaint is against TD bank and XXXX for failing to act in a timely manner or act at all to investigate this fraud. Thanks for any help you may be able to give.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XXXX 2022, I was shopping for a car. I asked XXXX to stop running my credit because I wasnt going to buy the XXXX from them. I had already purchased the car and I informed them of this purchase, yet they continued to run my credit.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: It has been 6 months that I am trying to get access to my Line of Credit. Multiple Multiple trips to different bank locations, over 10 online requests to have my access restored again. I DONT access to online banking I DONT receive statement in the mail. I DONT know what interest rate is I DONT know anything about this loan just paying what bank teller will say every month. , TD Bank Blocked me to have Online access and same time increased my monthly payments ( changes APR most likely ) I want to know what is going on ( online access ) and I want TD Bank to go back to our loan agreement .Same APR same monthly payments This is our second complaint with TD Bank about this problem. CFPB Case ID XXXX I got a response from TD Bank XXXX Obligor to contact TD Bank at the contact information number and email provided at the bottom of the letter. Email returns as Address not found Phone number it will ring and will say voice mail is full. At this point I don't know what to make of this.
Company Response:
State: PA
Zip: 19115
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XX/XX/XXXX I opened a TD Convenience Checking account. The offer said exactly. All you need to do is open a new TD Bank Convenience Checking and set up direct deposit totaling {$500.00} or more monthly into your account within 60 days upon account opening. Once the offer criteria are met, the {$200.00} bonus will be credited into the new personal checking account no later than 95 days from account opening. I complied exactly and XXXX XXXX at TD bank in XXXX XXXX agree all details were met. Balance was maintained, direct deposit was made in time, etc. He also tells me I qualify but I need to wait 188 days. My offer said 95 days. I printed out the offer page. Sent several emails through my account only for them to respond with another offer, had no idea what I was trying to say. Called the customer service number several times no help said they would send it up, no reply. Stopped in TD Bank in XXXX XXXX NJ XX/XX/XXXX and did a follow up call a day later he just says 188 have to wait possibly. Again, the offer said 95 days.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On XX/XX/2023 I contacted TD Bank and let them know that the action they had taken on my account had been based on the wrong information. They sent a letter in which they have decreased the credit limit by almost 50 % based on 1- Derogatory public records or collection fraud 2- Length of time the accounts have been established 3- No recent installment loan information 4- Number of recent inquiries When I contacted them and asked for clarification they could not provide even a short explanation for the information and eventually declined to take any steps to resolve my concerns. It also damaged my credit report since the usage of the account went up by reducing the credit amount. For clarification : after I got credit from them I reduced my debt substantially. So, I even revived an increased update from some credit companies. Their actions and decision makings have been based on wrong information to deliberately damage my credit report. In addition, they have used false and wrong information for their actions which even they could not clarify.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've spoken to the debtor and they stated I owed them {$21000.00} billing to an address I never lived. I've ask for the original contract with my personal information and signature, yet to receive anything which proves the account is mine. I've disputed the account with XXXX and was told to prove the account was mine and I have yet to receive the original contract with my personal information and signature.
Company Response:
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor, 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: CA
Zip: 93705
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, I'd like to report an improper use of my credit report by Nordstroms ( Visa managed by TD Bank ) - as they reported a late payment to my credit report In accordance with the fair credit reporting act Nordstroms Visa Account ( ending in XXXX ) has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A 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: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Today XX/XX/2023 at around XXXX XXXX XXXX I went into a TD Bank branch at XXXX XXXX XXXX XXXXXXXX XXXX I inserted my debit card into the ATM and tried to deposit {$2000.00} in cash ( XXXX XXXX dollar bills. ) The machine returned {$300.00}, held the remaining balance, and then froze on me, with the remaining {$1700.00} stuck inside. I notified the tellers and branch manager, they said the ATM often froze. About 30 minutes after this happened, I was sitting with XXXX XXXX XXXX of TD bank and the ATM started beeping. It had returned my debit card but not the {$1700.00} that was deposited. XXXX XXXX opened a dispute however according to the paper that was given to me there is no guarantee I will receive the money that was improperly taken. This transaction is not logged in my account, currently I am out of {$1700.00} and have little faith in TD rectifying this situation based on my personal experiences with them mishandling my banking transactions.
Company Response:
State: NY
Zip: 107XX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My TD Business bank account was closed in XXXX due to their own random suspicions. I was told I'd get a letter in the mail with a cashiers check. It was never received and I've visited the branch multiple times and have been left hanging. The name of my business, " XXXX XXXX XXXX ". My account was closed with {$22000.00} in it.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A