Date Received: 2023-01-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, a XXXX transfer of {$220.00} was made to my account without my authorization. I reported this fraudulent transaction in person at my local TD Bank branch and filed a claim for reimbursement. After a delay of several weeks, I received correspondence from TD Bank denying my claim without much detail. At the time I reluctantly accepted that decision assuming I had no recourse. However, I recently discovered an article in the XX/XX/2022 edition of XXXX XXXX XXXX XXXX ( copy enclosed ) that reported the following : Banks are not repaying customers who contest unauthorized XXXX payments. This practice potentially violates federal law and XXXX XXXX XXXX XXXX ( CFPB ) rules. XXXX claims to have a XXXX-liability policy for cases in which a bad actor gains access to a consumers XXXX account and uses it to make unauthorized payments. The Electronic Funds Transfer Act ( EFTA ) and the CFPBs Regulation E require that banks repay customers when funds are illegally taken out of their account without authorization.
Company Response:
State: PA
Zip: 19454
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: other issue : I am due a refund on this TD bank CC. I looked in the XXXX checking account but the refund wasn't applied. I called them on 2 separate occasions to resolve this issue. The last time I called was about a week ago. They even sent a XXXX balance statement claiming the refund was applied
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Occurred XX/XX/XXXX & XX/XX/XXXX, two separate times. There have been accounts opened in my name using my social security number, name and date of birth, on two separate occasions in XX/XX/XXXX, without verification of my email, address, phone number, or ID. I have never had accounts with TD Bank. If not for XXXX, I would not have known about this. The first time, XX/XX/XXXX, I called TD Bank, and I was told the accounts would be frozen, then closed. I was also told my social security number would be flagged against this happening again. Obviously it happened a second time on XX/XX/XXXX. They are allowing people to open accounts online with no hard check on credit, or ID verification. At this point, because of XXXX, I was able to stop this before any money was lost. I would like to know how I can be compensated for constant time spent on the phone, internet, lost work time, stress, etc., trying to get these matters resolved. I would also like to have people aware of TD Bank 's practices, and they be held responsible for these practices, so this does not continue to happen to me or others. I will also be filing a complaint with the XXXX, and looking into a lawsuit since this has happened multiple times.
Company Response:
State: OR
Zip: 97355
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
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 purchased a watch from XXXX using my TD account. Days after receiving the watch the band broke due to a clear manufacturing issue. I tried to get XXXX to replace the band and was only sent incomplete parts for a band, but never a complete band. I filled a dispute with TD, stating that I had emails to add to the dispute to enforce my claims. They told me that if TD needed more information they would reaching out to me. Today I received a letter that they completed their investigation and that I should reach out to XXXX for warranty repair/replacement, which was the problem in the first place! Now TD Bank has told me the investigation is closed and I should have submitted the emails when I submitted the dispute, despite them never providing me an address to send emails, telling me their dispute department would reach out to me. As a XXXX XXXX that has stated this fact to TD, I feel completely and absolutely discriminated. XXXX is failing to honor their warranty and my bank does not seem to care!
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, this incident scam began in early XX/XX/2022. I had posted on XXXX and applied for a job posted there ( XXXX XXXX ). The scammers claimed to be from the company, did an extensive interview ( via XXXX ) and then sent a check via XXXX to be deposited in my TD bank account to pay for work related materials. Check amount was nearly {$5000.00}. The bank cleared the check overnight and then the scammers requested to do various transactions to pay for work items ( via XXXX, XXXX ). Transactions were not working ; thus, they requested that funds be returned to them via XXXX. I withdrew {$4700.00} and sent via XXXX ( XXXX locations ). Since the bank had cleared the check and showed funds available for use, I did not suspect anything. However, when scammers tried this process again, I refused to do it and realized that something was clearly wrong. Unfortunately, the check that had cleared was fraudulent and {$4700.00} was lost. The bank accepts no responsibility even though they continue to clear checks for scammers - and never at any point do they warn customers or adjust their policies or procedures to protect the customer. All polices and procedures are complimentary for scammers - and thus, the reason they are able to do what they do ( even after they are detected ). XXXX is even worse as scammers were using that delivery company to send the checks- and the account they were using belonged to a company ( their account was being illegally used as XXXX does not protect accounts from such fraudulent use ). Additionally, XXXX has information as to who the scammers are - as the scammers had to pay for services - but XXXX refuses to turn over information to the authorities or to victims. XXXX is protecting the scammers in a way they never protected their own clients or recipients. Please help in any way that you can. The XXXX tracking # XXXX ; also, why are checks for such large amounts from out of state being cleared so quickly - and why do banks not have check verification systems? Thank you - XXXX XXXX
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My new car loan is with TD Auto Finance, Customer Resolution address is XXXX XXXX XXXX, XXXX XXXX MI XXXX. I paid off my loan with a check for {$13000.00} on XX/XX/XXXX. I sent the check as instructed from TD Auto 's recorded line. The money never went towards my account. I have copies of the posted check, front and back, showing it was posted to TD Bank. I talked with several different people, although there is really no Customer Service Department, there is just Collections. I faxed copies of the cancelled check and account information to a number ( XXXX ) XXXX that was reported to be the resolution department on XX/XX/XXXX. As of this date, XX/XX/XXXX, the money has not been posted to my account. I am getting letters indicating that my account is overdue and finance charges are accruing. I do not have the pink slip for my car which I want to sell.
Company Response:
State: CA
Zip: 95023
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX, an unknown person applied for a credit card online. I was notified by XXXX and hopefully terminated the application. I was contacted by Target and they said the person had my info. They directed me this website.
Company Response:
State: TX
Zip: 75214
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: From XXXX to First week of XX/XX/2022 there is a illegal transaction from my account I didnt noticed because it was small amount everyday I deposited my salary every weekend which is {$800.00} I bought food at supermarket everyday generally I spend my money by food alone until one day I requested a statement of account I was totally shocked almost of my account came XXXX XXXX??? and the initial balance is almost half taken thats I realized someone using my card. I went to TD bank to complain after a few weeks I received a decision and says Theres no error did occurdo you think I am happy that someone using my card not knowing that Im losing my own money I worked very hard for it like a horse then suddenly someone used it for any day anytime. The bank didnt think very brainy the person who did the decision. Very upset I am a single parent trying to survive with no resources from the goverment neither my sons father its hard to live that everything goes up.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My wife and I have had a credit card with Nordstrom since XXXX. And my wife and daughter XXXX XXXX XXXX XXXX of Nordstrom. I am extremely disappointed by the negative impact I am having on my credit. I paid my account in XX/XX/XXXX. In XXXX and XXXX, my bookkeeper failed to make payments due to unforeseen personal circumstances. Once I realized that the card was past due and charging late fees of {$37.00}, I paid the late fees and balances owed in XXXX, but late fees continued to be assessed up until the balance owed and fees were paid on XX/XX/XXXX. When I paid the late fees and balance I called Nordstrom Customer Service to request a one-time courtesy reversal, the agent told me he wouldnt remove the 30 day late off of my credit report.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was notified by Target Card Services that someone opened a store credit account in my name without my knowledge on XX/XX/2023. I was told the credit card application was instantly approved for {$400.00}. That person then attempted to use the card at a store in Florida on XX/XX/2023 but the transaction did not go through. The inquiry for that credit card application is on my record and I would like to dispute that inquiry since it lowered my credit score. Please advise.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A