Date Received: 2023-12-06
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: On XX/XX/2023 I ordered a XXXX lb bucket of chlorine tablets from an on line company at XXXX. I received an order confirmation for {$61.00}. On XX/XX/XXXX I received an email with the tracking number for the order. The order was supposedly delivered XX/XX/XXXX. Since I was expecting it that day I paid careful attention, and nothing was delivered to my house. I contacted the post office and found out that that tracking number was delivered on the day it said, but to an address across town, and the weight of the package was XXXX oz., so it could not have been my XXXX lb bucket of chlorine tablets. I contacted my credit card company and filed a dispute. I was required to fax the info to them as they would not accept it by email. They denied my claim and told me to contact the company I had ordered it from. I tried multiple times to email them but received no response. I tried to explain to the credit card company that the company I ordered from was fraudulent and that the tracking info they sent me was fraudulent. I sent then a copy of the email from the post office showing the address it was delivered to and the weight but they still refused my dispute. I have refused to pay them the {$61.00} and they have added a late charge each month and reported the account as delinquent and will soon turn it over for collection
Company Response:
State: IL
Zip: 62526
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I recently traveled abroad and utilized my TD credit card, which boasts no foreign transaction fees when I signed up for the credit card. I have returned and checked my statement to find multiple foreign transaction fees. I have reached out to the Credit Card Client Services and they initially claim that my card has foreign transaction fees. After further digging, the agent found that the terms and conditions of the credit card were updated as of 2021, but no formal notice/mail was sent to me. I was unaware any changes were made to my credit card. The agent stated that this information can all be found on the website. Still, I explained that I do not believe it is the consumer 's responsibility to check the website daily for updates to my credit card 's terms and conditions. These unethical practices were just the beginning of the nightmare. The agent did not attempt to resolve the issue but kept insisting that I go to a local branch for resolution and refer to the website for the updated terms and conditions. I am unable to make it to the physical location due to a medical condition, which is why I am reaching out to the Credit Card services via phone. When I asked to speak to a supervisor, she acted as an intermediate and dictated what her supervisor had said. When I wanted to file a formal complaint as the agent did not try to resolve any of my issues, she only provided me with her first name and no other identifying factors such as employee number. Additionally, I asked for the supervisor 's name whom she has been communicating with and she refused to provide it. Furthermore, I had asked to transfer to the complaint department and she said it was non-existent. Another 10 minutes go by and she provides a mailing address where I could send my formal complaint. I asked her to stay on the line while I verified and found inaccuracies in the address she provided. She made no further attempt to refute the address. The inconsistencies and misrepresentation of TD Bank with the credit card services and customer service agents have left me appalled by the business practices of TD Bank.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2023 I received notice from my credit report monitoring service that there was a hard inquiry on my XXXX account, pulled by XXXX XXXX/TD-PRVTE LABL. I did not make this inquiry, nor request a credit account to be opened with this entity ( XXXX ). I froze my XXXX and XXXX reports immediately ( XXXX already frozen ) to prevent further fraudulent activity. As my XXXX credit score was negatively impacted by the inquiry, I attempted to contact XXXX to get the fraudulent hard inquiry removed from my report. XXXX XXXX customer service was unaware of how to go about that process, and unable to direct me further. Target customer service was able to confirm, looking up by SSN, that I do not have a credit account open with them at this time.
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XX/XX/2023, I and my husband opened XXXX accounts at TD Bank : a checking account and an associated savings account. We received checks for both along with debit cards. We requested paper statements mailed to us. But after 2 months, when we got no statement for either account, I went to the bank and asked for the latest statement. They expressed surprise, said that I was getting mailed statements, and when I said I had received NONE, they printed XXXX out for me, showing both accounts. They then said it would come the next month. But the next month and then the next came -- and no paper statement. It is now almost half a year later, and I have never received a paper statement in the mail. This may be related to the fact that after starting our accounts, TD Bank instituted a {$3.00} fee for each paper statement it mailed. Despite that, I was told by bank personnel that I should be getting a combined statement ( savings and checking account activity ) in the mail. Clearly, TD Bank does not want to issue my paper statement despite the law requiring them to do so if the account ( s ) are active, which mine are.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The attachments explain in detail, I got furniture from XXXX and they went through TD Bank for the credit card. I provided all of the correct information to them and they will not remove XXXX as late. I show proof of giving them my correct address on the application as well as the fact that I had to provide my STATE issued license with the correct address. I was not to be billed until after I received my furniture which would mean, I would have gotten my first bill in XXXX, I even paid more than the {$75.00} minimum monthly payment in XXXX and again in XXXX. Had these late fees not been tacked on, XXXX would not have reflected late and I do my diligence to never be late on my bills. their error is negatively impacting my credit report.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 My TD Bank card was compromised by a third party account. I tried several times to resolve this issue and have been unsuccessful in getting a proper investigation. I desperately need your help {$2600.00} has been charged on my account and the bank continues to charge me interest & charges. PLEASE HELP!!!
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My purse was stolen from my car outside of the XXXX shop and I was left with nothing I had no ID or any type of identification I called the police and made a report of the incident and notified the credit card company I provided a copy of the police report as well but they refuse to help me and investigate the issue thoroughly. Ive been suffering for years due to these accounts being reported derogatory on my report I even continued to pay but the fraudulent charges were never removed which resulted to my account being closed by the credit card company. Under FRCA law 15 USC 1644 I should be protected and this account should have been removed from my report years ago. I provided everything I was asked to I didn't have the report the same day but I took a photo of the case card and provided that until the report was ready
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Starting XX/XX/2022 I began written correspondence via e-mail, later phone calls, with the store manager of my local TD Bank branch that later included regional and operations managers about a number of matters including : acceptance of assignment as successor agent under DPOA ; access to copies of the banks records, transactions, history of correspondence and telephone notes, and profiles for my accounts and those for which I have responsibility as agent under DPOA for my elderly mother and necessary for the estate administration of deceased relatives. The bank has repeatedly refused to supply written documentation of these items and supplies no ability to report activity related to fraud or possible identity misuse except verbally over the phone. The bank supplies no written confirmation of discussions, actions to be taken, or those taken. Information supplied verbally over the phone is often incomplete, incorrect, or contradictory to previous statements and information on the Banks own website. For example, yesterday, the Banks customer service department reported a invalid phone number associated with one of the accounts, but the fraud department ( to whom I was transferred on the same call ) reported no record of that phone number. The reason for yesterday call is that transactions shown on the on-line portal have lines that end with the XXXX language symbol for XXXX XXXX. The TD Bank fraud department acknowledged this as a comprise of the accounts, and initiated a lock down of the accounts and profiles, but stated that their processes do not provide for supply of written confirmation of actions taken, time lines, or instructions for me to follow at my end to reestablish new accounts, profiles, user names, passwords or keypad PINs, or to confirm the accuracy of the report in the Banks records. They admitted that they, and the local branch, were on different systems and could not always see the same information about my accounts and profiles. The complete e-mail chain is available but contains personally identifiable information so I am not supplying it at this time. Contacts at TD Bank NA, XXXX, NH involved in these communications include : XXXX XXXX, XXXX, VP Store Manager, XXXX NH XXXX XXXX, XXXX, Regional Retail Office Manager XXXX XXXX, XXXX, VP and Regional Operations Manager TD Bank Fraud Department : XXXX XXXX XXXX TD Bank Customer Service Department : XXXX XXXX XXXX
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off my Credit Card in full. Apparently, there has been a {$2.00} fee charged that I wasnt aware off and then received a late fee. Called TD bank and had all the charges taken off because I already paid my card in full. Next month, automatic {$1.00} fee and late fee. This happened 3 times ( so XXXX late fees and credit score way down ) until I was told that I need to pay that {$39.00} to really close my account and they will send me a check for {$39.00} to refund. Computer glitch. Still I have not received the check ( 2 months later ) and no one tried to fix the mess they made out of my credit score.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ive sent target numerous debt validation letters, asking for proof of debt. They responded one time and said they would send me the information, but never responded again. When Ive disputed the information on my XXXX report, they keep denying my dispute yet they havent followed law that says they have to provide me with that information and in a timely manner
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A