Date Received: 2023-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was involved in a job scam from XXXX. They sent me money in check form to deposit to my account. There were XXXX different checks that needed to be deposited so that I could provide money to vendors for equipment and materials. The first check was for {$2400.00}. There was only a 48 hour hold on the check and then the funds were released. The 2nd check was for {$2500.00} and those funds were also held only for a brief time and then released for usage. The institution, TD Bank did not validate the funds of those checks before releasing them to my account for usage. They released them with only a short hold so that these fraudulent checks were available. Had I not had access during the period of the scam that I was involved in, convincing me I was getting paid for this great work from home position, I would never have been able to send the funds to the random " vendors '' I was instructed to. TD Bank did not do their due diligence in verifying any of the information prior to release. I have had checks in the past held for many more days that were in fact legit and had to be verified ( anywhere from 5-7 days minimum )! I tried to go into the branch when I realized what had happened on XX/XX/23 and although I was scammed, they told me it was fault and I would be held responsible for the funds I already released to these various vendors. This bank should never have released those funds to me and instead should have only charged a return check fee ( which they have now done but also included the high amounts I now have to pay back to the institution ). TD Bank needs to be held accountable for there lack of being able to identify a fake check. I was a victim of fraud and am now thousands of dollars negative in my account which could have been avoided if they had never released the funds to me.
Company Response:
State: SC
Zip: 29588
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been trying to get gas and withdrawal money from my savings account to get to work since XXXX. I called TD banks several times they keep telling me theres nothing wrong. Then they tell me I cant withdraw money with my debit card. Ive done it plenty of times. It is now XXXXXXXX and they going to tell me my chip is not work in g. I am stranded right. No money no job someone should be held liable
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX : Family of XXXX XXXX Trustee of the Social Security Cestui que XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Chief XXXX XXXX of Corporation TD BANK USA NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX Account ending in XXXX Company 's Response : We sent an update to the credit bureaus and the attached letter, with copy of prior response ( enclosures omitted ), was mailed to the consumer. No follow up actions are anticipated. The letter states as follows : Im writing to confirm weve received the second complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) about how the above-referenced Nordstrom credit card account is reporting to the credit bureaus. Thanks for bringing your concerns to our attention and giving us the opportunity to respond. As shared in our XX/XX/XXXX, letter response to the initial complaint you submitted, we did find that the account was reporting inaccurately to the three major credit bureaus ( XXXX, XXXX and XXXX ), and have corrected this by requesting that the credit bureaus update their reporting to reflect that the account was paid in full and charged off as of XX/XX/XXXX. Please note that our request to the credit bureaus was made XX/XX/XXXX, and this update could take up to 30 days to process. Weve enclosed a copy of our response to your previous complaint for your reference. Should you have any questions, dont hesitate in reaching out to us at XXXX. This account needs a XXXX adjustment/Deletion of account from XXXX ( XXXX, XXXX and XXXX ) XXXX You have inaccurately reported and laid false claim against my name. This needs to be deleted as requested as you did not address this in my last complaint. This needs to be addressed still. When you respond address this issue and only this issue. On top of you negligently reporting incorrectly you have also reported on something that you have claimed a loss on and therefore needs to be deleted. You are not permitted to report or continue to report if you have claimed this amount as a tax write off as a loss. You have been paid.Not only have you been paid, but you are also requesting more money and double dipping on the money you received. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX states that all debt public and private are paid for. There is no debt
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
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: What Happened I am XXXX years of age, XXXX, and am a victim of severe elder abuse relating to my finances. The details are as follows : On XXXX XXXX my personal computer locked up. Then a message appeared on the screen instructing me to call XXXX at the number provided. I did. The rep who answered told my computer had been hacked and my financial information was compromised. She asked me for the Customer Service telephone number on the back of my debit card and said she would add them on the line for me. A new person called on the cell and the first person dropped off. The new person identified himself as a XXXX XXXX employee who was part of a special group assigned to work fraudulent activity for XXXX. He told me my bank accounts had been compromised by the computer hack and I needed to act immediately to avoid loss. He literally terrified me to the point I could not think clearly. He instructed me to withdraw all my funds from all my bank accounts and to also withdraw all the cash advances available from all my credit cards. He said the hacking might well be the work of a bank employee, so I was to tell absolutely no one why I was withdrawing the cash. Since I believed he was a bank employee, I did as I was instructed, withdrawing {$15000.00} in cash from my XXXX account, {$3000.00} in cash from my XXXX account and {$10000.00} in cash advances from my credit cards. He then instructed me to deposit the cash into a XXXX ATM. They would hold the money safely for me until my accounts at the banks were secured. The money would then be transferred back into my accounts. He then instructed me to purchase XXXX {$500.00} gift cards using my credit cards and provide him the PIN numbers on the back. I did so. I have now realized these instructions were all fraudulent, done solely for the purpose of stealing my money. I did not understand anything about what was happening and was so frightened I could not see what was going on. The total losses incurred were : XXXX XXXX Acct {$3000.00} withdrawn on XX/XX/22 XXXX XXXX XXXX XXXX Acct {$15000.00} withdrawn on XX/XX/22 {$9400.00} withdrawn on XX/XX/22 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Total Loss {$29000.00} I wish to assert my Regulation E liability limit of {$500.00} with each institution. The perpetrator gained fraudulent access to my computer as well as my accounts. Regulation Es Official Interpretations, found in Supplement I to Part 1005, specifically addresses my situation : an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. The banks with whom I have discussed my situation did not think a Regulation E dispute was not applicable to recover the funds that were fraudulently withdrawn. I am now receiving interest, late notices, and penalty charges, from the credit cards and realistically can not pay back the cash advances without extreme hardship. My total annual income is {$28000.00}, most of which is Social Security. I desperately need help in recovering as much of these losses as possible and respectfully request your help.
Company Response:
State: NC
Zip: 28110
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XXXX XXXX, 2023 an international wire transfer was initiated by XXXX for USD {$300000.00} to be sent to my company 's account named XXXX XXXX XXXX XXXX the XXXX XXXX provided to us at the time was XXXX which turned out to be inaccurate the actual SWIFT code for TD Bank was XXXX. I have been calling the bank wire department who makes extremely difficult to reach them, they could only be reached through a bank officer. Many attempts are made everyday to contact and get status, XXXX is claiming that the recipient bank TD Bank has the money, TD Bank is claiming they never received it and in the middle XXXX XXXX is being mentioned as the corresponding bank but would not disclose any information as they are advising me to speak to my bank TD Bank who is not being forthcoming at all. Meanwhile I am out of {$300000.00}. TD Bank has engaged in a blatant and willful misconduct to mislead saying that XXXX is not a valid swift code when in fact it is a valid zip code for a bank in New York XXXX block away from my branch.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not give my consent for them to report late payments to the credit bureaus. My privacy was also violated by them reporting.
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: TD Auto Finance was put on notice and provided an Affidavit of Truth regarding the alleged debt. Today XX/XX/2023 makes two weeks that TD Auto Finance has received the affidavit of truth as shown in the Exhibit A. An affidavit must be rebutted point for point and they have not provided in the time frame of 14 days.
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 TD Bank deposited by stolen check # XXXX into XXXX XXXX 's account. My stolen check # XXXX was washed and all fields were rewritten and the amount changed from {$78.00} which I have on my carbon copy to {$5200.00}. The check issuer XXXX XXXX states all their checks are protected by XXXX. The security features on the back of the check are all missing- the back of the check is white without the water markings and other security features- my signature is completely different on this check. Yet, TD Bank, deposited money from my checking account into XXXX XXXX 's TD Bank account. When my bank submitted a warranty claim to TD Bank on XX/XX/2022, TD Bank responded on XX/XX/XXXX indicating there was " no warranty breach ''. Then my bank attempted a hold harmless agreement with TD Bank to recover funds and TD Bank replied " non-sufficient funds ''. TD Bank has not indicated doing anything to investigate this Federal Crime to myself, the victim of this crime. They were given 120 days to investigate our claim ; and now since they have not shared doing any investigation ; I am asking for an investigation into XXXX XXXX ; the suspect- their member, who ended up depositing money stolen from me into TD Bank XXXX
Company Response:
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Did not receive notice for interest rate increase and when I called they explained nothing they can do couldnt even tell me when interest rate increase took place and could not negotiate with me could not even look into their own system to tell me. 30 % apr
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
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 had a target credit card which is now in collection. the problem is the amount is wrong and the dates are wrong, plus i need proof of ownership of this debt. i need proof via a written contract signed by me with my signature on it. if you do not have such proof you must delete this account by law.
Company Response:
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A