Date Received: 2023-01-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made my XX/XX/XXXX mortgage payment for {$6400.00} on XX/XX/XXXX which was a XXXX and the payment posted on XX/XX/XXXX and TD has reported me 30 days late to all credit bureaus. I was in the middle of applying for a loan for some education expenses for my son and now I am unable to do so. I did make the cash payment on XX/XX/XXXX at the branch where the phone representative indicated that I would have been 29 days past due and would like to see if TD can correct this in my reports. I have included a copy of the branch payment receipt for my mortgage. It states my payment was made at XXXX XXXX on XX/XX/XXXX however I assure you that I physically made that payment on XXXX XXXX on XX/XX/XXXX. The person at TD that took my payment said there would be a record in the system that I did physically pay it on XX/XX/XXXX. I will make sure going forward that I make my payment earlier in the month to not cut is so close with the 30 days payment.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Even though I have never authorized the activation of or lost the TD Bank Visa XXXX card # XXXX XXXX XXXX XXXX, a fraudster was able to replicate this TD Bank Visa and made numerous fraudulent charges starting XX/XX/XXXX : Card Number Ending in XXXX XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX, CA : {$17.00} XX/XX/XXXX ; Reference # XXXX ; XXXX : {$87.00} XX/XX/XXXX ; Reference # XXXX ; XXXX : {$86.00} XX/XX/XXXX ; Reference # XXXX ; XXXX : {$89.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX : {$210.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX, XXXX, NY : {$200.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX, XXXX, NY : {$62.00} XX/XX/XXXX : Reference # XXXX ; XXXX : {$130.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY : {$1000.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY : {$3200.00} XX/XX/XXXX ; Reference # XXXX ; XXXX WA : {$240.00} XX/XX/XXXX : Reference # XXXX Payment received {$20.00} XXXX Card Number Ending in : XXXX XX/XX/XXXX ; Reference # XXXX ; Payment received $ XXXX XXXX : XX/XX/XXXX ; Reference # XXXX Cash Advance Fee {$54.00} XX/XX/XXXX ; Reference # XXXX ; Cash Advance Fee {$160.00} Interest charge-cash : {$11.00} These are the fraudulent charges, fees, and interests on the statement closing XX/XX/XXXX. There are additional Fraud charges, fees, and interests after this statement closing date, which I would have no knowledge of since the Fraudster changed my TD bank profiles such as fraudulent mailing address ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ), fraudulent cell phone number ( XXXX ) XXXX, and fraudulent e-mail address ( XXXX ). Therefore, I have not been able to log into the my online account since XX/XX/XXXX. Furthermore, on XX/XX/XXXX, I received a text from XXXX regarding a suspicious cash withdrawal activity at XXXX XXXX XXXX XXXX for {$3200.00}. I replied the text as Fraud. TD bank replied back as " Your card may be restricted. However, this fraudulent cash withdrawal of {$3200.00} at XXXX XXXX XXXX XXXX, XXXX, NY still went through on XX/XX/XXXX. Even though all of these charges, fees, and interests are all from fraudulent activities and it would take up to 90 days to investigate, the TD bank Visa Fraud department would not issue any provisional credits while the fraud charges are under investigation and still insists that I am responsible to pay the minimum payment of {$200.00} due on XX/XX/XXXX in order to avoid my account to be reported as delinquent, which will affect my credit score. Please have all these fraudulent charges, fees, and interests resolved ASAP by XX/XX/XXXX the latest, so my account will not be reported as in delinquency.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I applied for what was advertised as a " payment plan '' on a monitor I bought on XXXX. It was actually a credit card through TD bank I found out after. Very confusing advertising, wouldn't of applied if I had known. Anyway I bought the monitor for a total of {$510.00}. The payments were supposed to be equal monthly payments for 24 months interest free at {$21.00}. I never received anything after that, no bill or card from them. I got a call on Monday, XX/XX/2023 from what was labeled as TD bank. It was marked as spam so I called TD banks XXXX number from their website back. Spoke with a representative and explained the situation. We reported the card lost/stolen and she updated me email address to I would get updates. I tried to make a payment of {$64.00}, she said I had to make XXXX and XXXX payment plus the late fee to bring it up to date then they could waive the late fee. She then said she couldn't take it because the account # was blocked when we reported it lost and to call back. I have been trying for over an hour to get a hold of someone today XX/XX/2023. I keep getting transferred saying it the wrong place in TD bank and they will transfer me to the correct place. I have been now transferred 7 times with about 10+ hold times everytime. I still do not have a statement or card and now I can't even get to the right department. This shouldn't be that hard. I need someone to help because I do not have time to do this and they should be sending out statements properly and cards. There should be some process for handling situations like this because I am sure I am not the first. It is not fair to me that I am forced to sit here on the phone for HOURS trying to fix this because they do not have a proper process in place. It either sit here or hang up and wait for the new card that will hopefully arrive this time so I can make a payment before it is reported to the credit bureaus. I am really regretting doing the 24 months plan. I also think they need to update the discription of applying to let the borrower know that this isn't just a plan it's an actual CREDIT CARD not just XXXX XXXX... .it 's very deceptive and states no where about it being a credit card even in the fine print. To me it looks like a one time loan.
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
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: I purchased a vehicle on XX/XX/2022 and financed it through TD Auto Finance. I made all of my monthly payments on time and was fortunate enough to pay the loan off on XX/XX/2022. XXXX sent me a letter dated XX/XX/2022 acknowledging the payoff along with a release of lien letter. I have tried to obtain the title through my local DMV but they will not issue it because the lender hasn't released the electronic lien. I have contacted TDI and they will not release the electronic XXXX because they claim to have never received the original title from the dealership. This issue is between XXXX and the dealership. XXXX will not give me a date as to when this will be cleared up and I am left with no where to turn. I have a vehicle that I can not sell without a title and XXXX will not give me my title. What do I do??
Company Response:
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I had to cancel a trip with a company named XXXX XXXX and travel located in Florida. I had originally paid the deposit for the trip using a debit card from TD bank. The original payment was made on XX/XX/XXXX for XXXX When I cancelled the trip I was entitled to a refund of XXXX The tour company told me that their process is to repay the card number that was used for the initial payment. I explained to the travel agency that I had lost the debit card and had it replaced with a new card with a new number. They insisted on repaying the card number that was initially used. They explained that the bank usually would take it because the account is still open. I asked if I could get a refund check instead, but I was told that was not possible. So they sent a credit of XXXX to my account using the cancelled card number on XX/XX/XXXX. TD bank confirmed that they had received the refund to the old debit card number. They said I would see it in my account. But ... after XXXX weeks I still did not have the money. I spent at least XXXX hours on the phone trying to straighten this out. I was assured I would get the money back, but I did not. So I went to the bank and met with a representative who told me he would take care of it on Saturday XX/XX/XXXX. So I called on XX/XX/XXXX, and XXXX. On XXXX day I also spoke with the XXXX of the bank. I was told that they were working on sending the money back to the travel agency, but they do not know how long that will take. I asked to have something in writing to that effect, but I was told that was not possible. The bank called to travel agency to discuss the matter on XX/XX/XXXX but the travel agency reported they have not received the credit back. So.. I am asking for help to secure the money that I am entitled to. I am reporting TD bank, as I have spent about XXXX hours trying to resolve this issue.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing to you for the second time because I dont feel like the outcome is acceptable. During the month of XXXX I was put in XXXX. From XX/XX/XXXX to the XXXX. During which time my boyfriend at the time, used my card without my permission. ( We are no longer together ). He put my account in the negative almost {$800.00}. So not only did he spend the XXXX $ I had in the bank, he also spent {$800.00} that I didnt have in the account. In doing so it caused my entire following check to be garnished. Now I had told my mother to take some money out of the bank for taking care of my kids while I was in XXXX. When she attempted to do so, she was denied for lack of funds. I had her log into my online banking and thats when we discovered the fraud. Immediately my mother called the bank and tried to shut down the card but they said the couldnt because she wasnt me. So we attempted to stop the fraud right away but was denied the ability to. So when I got home I submitted a dispute. I provided proof XXXX, a letter from my XXXX XXXX, and a police report. They denied my claim because they said the pin was used. Which if it was it wasnt my fault. I never gave out my pin to anyone. He guessed it because he knew me and knew my important numbers. Or he watched me type it in some other time during a pos. So I in fact never gave him permission to use the card. The definition of fraud is the unauthorized use of. There is no addendum saying unless your pin was used As a matter of fact the law states they can not deny my claim on the fact that the pin was used. And I am only liable for {$50.00} dollars worth of that money. I know the laws and TD bank is not following them. I want my money back and I wont stop until I get it. Its nearly XXXX $ and that is why they dont want to pay it back. But I am not paying for something I didnt do nor did I authorize the transaction. They also said they tried to contact the XXXX court house which I dont even know how they knew which courthouse to contact, because I never told them. But they said they called them and couldnt confirm my XXXX. Which it is public knowledge and they would have confirmed it but the person called the courthouse at XXXX XXXX. The court doesnt open until XXXX. So their attempts to investigate were flimsy. Also they never tried to contact me to ask me what had happened with the claim at all. If they had done so I would have been able to explain some of the reasons for the denial. Then the lady at the bank tried telling me that it was XXXX that denied the claim. Which it was not. It was TD and only TD. It had nothing to do with visa at all. Lastly, of that when I signed up for the bank account they had a promotion saying XXXX $ free with a new checking account. I signed up for the checking account using the link provided and I waited, and waited, and waited. No money was ever given. So I inquired about the promotion and was told I didnt qualify because I had a previous account with them. Well the truth is, Ive never ever had a TD bank account and if someone opened one under my name, it was fraudulent. I just think they said that because they didnt want to pay me the {$200.00}. Right on their webpage it says customers are not liable for unauthorized charges. Well I never authorized these transactions so why am I liable? Just because my pin was used? That is no reason. Negligence is no reason to deny a claim. I wasnt negligent I was scammed by someone who used me for my money. I should not be held accountable for his actions. I filed charges and he got XXXX with no restitution!!! So Im out {$2000.00} and lost my apartment and also fell behind on XXXX XXXX. I want justice!
Company Response:
State: MA
Zip: 01821
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Someone applied for a XXXX card in my name. I did not apply for a XXXX card. I would never apply for a XXXX card. The company sent me the card, I called them and told them that I did not apply for this card. They cancelled the card, however all of my information was breached.
Company Response:
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Company refuses to reinstate my credit limit of {$1600.00}. They should have contacted me before obtaining a credit report on XXXX XXXX XXXX They should had gave me 30 day notice of decreasing my credit limit. Also, on XX/XX/XXXX I purchased XXXX gift cards that I paid cash and they charged my target card. I only charge my target card for the non-gift cards. I called to file a dispute and they said they did it, but it was never put through. When I first open the account up with them, I was promised a {$40.00} voucher part of my new membership for opening the card.never sent to me.every time I try to use my card in target half the time it doesnt work. This is the worst stire card I ever had.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did not consent to, benefit from or authorize any of the following Account : TD BankTarget- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My consumer rights were violated according to the FCRA. 15 USC 1681 ( d ) ( 2 ) ( B ) - The consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly, by the issuer of a credit card or similar device. 15USC 1681b ( a ) ( 3 ) states that Consumers have the right to not share private medical information.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
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 was charged {$5700.00} for a furniture purchase in XX/XX/2022 that was never delivered. I asked the my credit card company, TD bank, to reverse the charge on XX/XX/2022 after I received information from the vendor regarding my unfulfilled order that I knew to be false. I received a letter from the credit card company saying a temporary credit would be issued and an investigation initiated. Because no credit was issued, I requested the reversal again on at least two occasions and received written notice at least two more times that a temporary credit would be issued and an investigation commenced. Despite repeated calls to the credit card company, and despite providing them with complete documentary evidence pertaining to the vendor 's failure to deliver, no credit has been issued, nor have I received any information from the credit card company as to the status of my dispute. More than three months has elapsed since I initiated the request for reversal of the charge. I have called the credit card company as recently as XX/XX/XXXX to inquire as to why there has been no credit issued nor, I suspect, and investigation commenced. I have not received a credit to my account nor any information as to the status of the investigation, despite over two billing cycles/ 90 days elapsing since I requested the credit and investigation of the charge.
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A