Date Received: 2023-01-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I did not apply for this card
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX, XXXX, and XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Company Response:
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: TD bank was notified I have been a victim of fraud and after placing XXXX in fraudulent transactions my account was closed as a discrimination to my skin XXXX. I enclosed a FTC report to this document and I expect TD bank to issue my refund from fraudulent transactions.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Verification incomplete In accordance to FCRA XXXX XXXX XXXX has violated my rights 15 U.S.C. Sec. 602A states I have the right to privacy. 15 U.S.C. 1681 sec. 604A sec.2 also states a consumer reporting agency can not furnish account without my written instructions.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Have attempted to resolve this issue multiple times with the company directly and offered to provide copies of an identity theft report regarding the situation. Constantly my concerns are brushed off or deemed inadequate. I have also addressed these concerns with all three credit bureaus XXXX, XXXX, XXXX and all parties have exhibited willful and grossly negligent behavior which has adversely affected me. This behavior is a direct violation under the rights given to me by the FCRA. Automated responses and bully like behavior is the most simplistic description of the behavior of all parties mentioned. I have made 3 attempts if not more to resolve it and this will be my final attempt before exploring other options including but not limited to litigation
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX We received text messages inquiring about a potential fraud charge at a XXXX for over {$300.00}. After responding no we received a phone call immediately pretending to be XXXX bank and advising our acct was compromised. Asking for verification like the username and sending codes via text to confirm identity. This allowed the perpetrator access to our online banking and they wired themselves {$9300.00} plus we were charged a {$25.00} wire fee. The bank who received the funds showed TD Bank in XXXX XXXX and the suspect with the account is XXXX XXXX XXXX. Supposedly XXXX requested 3 times that TD Bank return the fraudulent funds in the amount of {$9300.00}, but TD bank provide any updates and has no phone numbers for whom we can contact and their representatives refuse to speak with me. They advised our bank or detective can contact them on their back Office number that they should know. Neither XXXX XXXX XXXX XXXX XXXX with XXXX XXXX police have any knowledge of this back office number. When I reported the issue on XX/XX/XXXX I was advised by XXXX it would be 3-5 bus days to complete the investigation/funds returned. XXXX called me on XX/XX/XXXX to advise someone would be reaching out to discuss from the fraud wire dept and no one has. The branch says they have done all they can do. Even XXXX the branch manager in XXXX XXXX is complacent to the issue and speaks as if theres nothing they can do. I spoke with TD bank today, and they advised me that XXXX can in fact call their back office and receive information. XXXX at the branch said made a XXXX way call to TD bank with myself on the line and contacted XXXX ( XXXX resolution group ) but they transferred our call and the end result was an automated message with an email to contact with. The email is only for law enforcement-as I emailed and the automated message said it is for law enforcement only. TD Bank refuses to talk to me and wants to talk with XXXX bank regarding this fraud case, however, even XXXX is getting no response. I have filed a police report with XXXX XXXX, Report ID XXXX for the criminal offense but havent been able to get any information about my funds being returned. What poor customer service to leave your customer hung out to dry and callously explain repetitive info that you have as a courtesy already escalated it and have done all they can do. TD Bank should be required to comply when funds have been identified as fraudulent. I have filed also with the FTC report # XXXX and with the FBI ( XXXX ). Please help me recover our funds that were stolen and deposited at TD Bank XXXX A/C XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In violation of the Heroes Act - late payments were reported during the pandemic from XX/XX/XXXX through XX/XX/XXXX and account charged off XX/XX/XXXX. See attachment
Company Response:
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
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: Despite a {$0.00} balance and oweing nothing to the store, TD Bank and XXXX XXXX are knowingly reporting false information to the credit bureaus. I have called XXXX XXXX and TD bank DOZENS of times to to resolve the issue. XXXX XXXX was closed due to Covid around the time of the incident and I was not able to contact XXXX until almost a year later once they reopened their physical location. XXXX XXXX once reopened acknowledged the mistake as well as provided a statement and email showing the correction and {$0.00} balance on account. This email and statement was sent to me in XXXX of XXXX but failed to do their due diligence to correct the negative impact it caused to my credit profile. Despite XXXX correction, TD Bank continues to report negatively and reported the account as charged off as well as a {$250.00} balance. I have dealt with nothing but incompetence for 3 years. XXXX furnitures XXXX XXXX XXXX reached out to TD bank in XXXX of XXXX multiple times to help correct the mistake.He responded by email but gave up once TD Bank was unresponsive. TD Bank ignored this communication. RecentlyXXXX XXXX, XXXX I walked into XXXX XXXX store bank to speak with administration, and was given the operations manager ( XXXX XXXX ) at XXXX XXXX XXXX XXXX. He then called TD bank from stores land line to retrieve a letter stating the balance was not a charge off, not late and a balance of {$0.00}. TD bank stated they would have to verify the stores " merchant number '' to pull information. They did not call back. The mix up occurred 3 years ago and I have been dealing with this for 3 years. I have been denied loans and been impacted continually. This has gone on far too long. Around XXXX of XXXX an incorrect furniture delivery was made and returned ( picked up ) by XXXX XXXX shortly after. Im assuming They were negligent in relaying information to their servicer. This was at the start of Covid. Everything was shut down and no one was responsive to calls. Once reopened, XXXX did acknowledge and attempt to communicate with TD Bank. Now Ia m being told " admin recovery '' collections company is also reporting this.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: My response from TD bank regarding case Complaint # XXXX was not in good faith. TD bank claims that they tried to recall the wire twice but when I reached out to the receiving bank, they did not have a record of this. Hence, I have emailed XXXX XXXX and XXXX XXXX at TD bank multiple times and asked for the swift copy and the reference numbers for when they made the recall but have been ignored. I have also spoke to the branch multiple times but no one has mentioned about fraud intake claim. Please advise on how I can file this process and proceed. In addition, your employees could have asked questions that are common practice in other banks such as Is anyone instructing you to make this wire as we have experienced wire frauds to easily prevent these type of incidents. Despite that, TD bank has no measurement in place and facilitates such crimes as a part of their business.
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problem with customer service
Subissue:
Consumer Complaint: I have three accounts with TD Bank. In XXXX of 2022 I tried to cash a check from the XXXX XXXX XXXX. TD explained they had to keep international checks for an amount of time. Three months later they called to say they had a policy of not cashing checks from any XXXX XXXX. The check now may be useless since it was held by them over ninety days. I have more than enough money in my three accounts to cover any problems.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A