Date Received: 2023-01-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was recently a victim of a phishing scam that, long story short, resulted in me depositing three checks without knowing that they were forged. Thursday, XX/XX/2023 I called my bank, TD Bank, after seeing that three checks that were deposited had the funds removed. The representative told me that the check had been forged, with the other checks being held for a similar reason. Friday, XX/XX/2023 I was unable to log into my Online Banking account. When I called the bank, I was told that I needed to enter my nearest branch, which for me was a 3-hour drive away. After making that drive, I was told that all of the checks were forged and my all of my accounts were being closed, with my relationship with TD Bank being " terminated ''. The person I talked to specifically mentioned that if that happened, it would be very difficult to open a bank account at another bank, due to the possibility of having " fraud '' on a background check. Saturday, XX/XX/2023 I called the Fraud Team of TD Bank to tell them what had happened, but they told me that the branch had the last say on whether or not my bank accounts can be reopened.
Company Response:
State: VA
Zip: 24060
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I purchased a new XXXX XXXX XXXX XXXX Directly from XXXX, financed through TD Bank. In addition to financing, there was a recurring monthly cost of {$13.00} for XXXX XXXX ( Phone Insurance ) Fast forward to XX/XX/XXXX, I use my XXXX XXXX XXXX as a trade in for the New XXXX XXXX XXXX. This time, I financed it on my credit card. I sent the trade in device by end of XXXX. In XXXX, I started noticing charges for XXXX XXXX on both my Credit Card and TD. Giving benefit of the doubt that there was some lag for the system to catch up that I no longer owned the XXXX XXXXXXXX. I paid for these extra charges for 3 additional months. Why would XXXX and TD still be charging me for insurance on a phone that they know I wouldn't have any more? By XXXX, I finally contacted XXXX support and spoke with a representative that agreed this was a bug in the their system. He said he will communicate with TD and refund me for the additional months paid. I paid off the account in full, and my open balance is now {$0.00}. TD Bank continued to invoice for the months of XXXX and XXXX. I didn't make these payments, because I didn't have to. 3 months have already passed in which I no longer have this phone in my possession. Late charges started to take place, and TD collections started calling. I detailed the issue with TD Collections Representative over the phone when they would call and I would explained that XXXX has spoken to them and that this account should be closed and no payment is required. In XXXX of XXXX, I was looking to buy a home and started the mortgage prior approval process. This is when I noticed that my XXXX XXXX has been significantly impacted. I went from a XXXX down to XXXX, mostly due to my profile showing 90 day delinquent on payment by XXXX XXXX TD Bank. This is more than a 15 % decrease, and I no longer looked good to my potential lenders. In XXXX I emailed the XXXX 's office at XXXX to explain the issue. The representative was able to summarize the issue and provide evidence so that I can dispute it through the Credit Reporting Agencies. On XXXX I created a dispute through XXXX, XXXX, and XXXX. I provided all the information and evidence. In XXXX, just after a month of creating the dispute, XXXX is the only agency to have responded. The letter basically states that they have investigated, and no changes have been made. They mention the next steps is to reach out to consumer finance, which I am writing to you today. Attached are documents that prove my case. I was not delinquent in payment, and have worked very hard to grow my credit report. I do not know what else to do. Please let me know if you need anymore more information Thank you
Company Response:
State: NY
Zip: 11105
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received an alert from XXXX that a credit card was opened in my name with XXXX. This is fraudulent activity and I can prove it if given the opportunity. I did not open this account and did not make the purchases. I did not open an account/card with XXXXXXXX. I filed a dispute with XXXX but the update came back " verified as accurate. '' This leads me to make this appeal to you. This is very concerning and confusing. The account is not verified and it is not accurate, its a crime. I tried to dispute the address with XXXX but because the account is seen as accurate, it wont even let me. I have never lived at XXXX XXXX XXXX. This is my second time presenting this complaint to CFPB the first one was closed and should not have been, this matter is not resolved. On XX/XX/XXXX, I returned the signed affidavit to XXXX and have received nothing. Mind you, the company sent me an affidavit via email in XX/XX/XXXX. Additionally, the company sent receipts and pictures in the CFPB portal, but I wasnt immediately aware of that either and therefore it took me longer to respond and so they probably assumed I was claiming ownership but that is not the case at all. Please help!
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My TD Bank USA/Target Credit card is reported as CLOSED on XX/XX/XXXX to XXXX however it was XXXX days late reporting closure on XXXX instead of the prompt mandatory XXXX XXXX and FCRA required automatic reporting on XX/XX/XXXX. As oXXXX XXXX, this Closed account still has not been reported as Closed to XXXX and the last reporting was XXXX in willful violation of XXXX XXXX and FCRA protocols. TD Bank was required to report XXXX to XXXX on XX/XX/XXXX so it is now XXXX days late. XXXX was required to be reported simultaneously to every CRA on XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my TD Bank Target account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: TD Bank failed to provide written proof of their ability to report non public information regarding my account to third parties. They requested I contact their collections department which I did and they never responded with any written proof regarding my complaint. TD is aware under law they can not pursue collection of any payments on accounts that are in dispute and I continue to get payment requests from them but they refuse to respond to my dispute with written proof of a response to my disputes.
Company Response:
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
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: It's about a previous complaint against TD bankXXXX XXXX XXXX CFPB XXXX XXXX XXXX XXXX XXXX Account XXXX In XXXX ), which TD bank claimed in their response that they have fixed the issue already. As you can see from the most recent statement attached ( XXXX statement ) and the most recent minimum payment ( XXXX ) that they have not! 1.Still, I am being charged for the returned item ( XXXX XXXX phone ) for the amount of {$1100.00}. ( Credit plan # XXXX in the XXXX Statement ) 2. They did not apply the monthly minimum payment due for the remaining balance of {$97.00} to {$2.00} as per their response ( credit plan # XXXX ). You can till from the attached screenshot of the XXXX minimum payment. 3. Td bank is charging me for late payment fees of {$29.00} for these previous issues ; hence, I just paid for the right balances ( {$100.00} ) not the whole wrong minimum.
Company Response:
State: CA
Zip: 93291
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am reaching out because I have completed my monthly payments with XXXX in collaboration with XXXX, and as of now, XXXX is claiming that my balance is still past due and is accumulating charges. This has resulted in increasing credit card charges as well as a significant decrease in my credit score figure. I have reached out to XXXX customer service, XXXX security and Fraud, and XXXX about these charges, but they have turned me away and said I had to be in direct communication with the other individual business, and that they are unable to initiate an internal dispute for this because I am outside of our 60 day dispute window. I am attaching the following documents to help support my claim, in PDF format.
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank is harassing me because their systems are antiquated and inaccurate. I'm doing a construction loan and as such my payment varies each month. I paid them my XXXX payment on XX/XX/XXXX. I'm not sure what happened, because I can not see my statements online, but I ended up paying an amount that represented 98.3 % of what I owed them. Unfortunately, as the loan amounts are variable each month, I can't set up autopay. When they sent a letter saying I owed less than 2 % of my balance in XXXX, I promptly sent the bank the remaining 1.7 % of my payment. Their online banking system shows that the payment cleared on XX/XX/XXXX. For the last week the bank has called me 5-6 times a day about an " overdue loan '' which is just incorrect. They've called me 7 times since my payment cleared, and the bank representative nonchalantly said " yeah it takes a while for our systems to update. '' I asked the bank to never call me again and the bank said that " it could take up to 30 days for the calls to stop. '' Unacceptable and antiquated. The bank 's systems make it impossible for a customer to pay on time and they keep harassing customers after debts are paid.
Company Response:
State: NC
Zip: 28405
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, I mailed a Check XXXX XXXXXXXX payable to XXXX XXXX for {$4200.00} to pay an open balance. On XX/XX/2022, I was on my XXXX XXXX website & I noticed that the {$4200.00} balance was still open & that the check was not posted. I then went on my TD Bank checking account website & saw that check was cashed on XX/XX/2022. The endorsement on the back was someone forging my name and then signing some name under that who was obviously an unauthorized signer. There was no mention mention of XXXX XXXX even though the check was payable to XXXX XXXX. I immediately notified the TD Bank Fraud Department and they took my information & froze my account. They sent me to their local branch the next day to fill out an Affidavit of Forgery & other TD paperwork. I even received a follow up letter from them acknowledging receipt of this paperwork. They said that it could take 90 - 120 days to resolve since they have no control of another financial institution. It turns out that XXXX XXXX Bank received the check for deposit. It is over 7 months & still no resolution. I called them back after the 90 days to follow up & they couldn't help & referred me to my local branch. I even went to local branch to follow up on XXXX XXXX & they couldn't give me an answer either. This is not right & I am getting the run-around. Can you please help? I have copies of all documentation including a copy of the cashed check if needed. Thank you
Company Response:
State: NJ
Zip: 08759
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Bank is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). TD Bank 's willful FCRA violation has been committed knowingly and recklessly. In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. Please urgently investigate and advise.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A