Date Received: 2022-12-22
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/2022. There was a hard inquiry on my credit report from TD Bank. A similar occurrence happened with Target but they contacted me about it. I want to make sure that no account was opened in my name.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX, DATE OPENED XX/XX/XXXX, AMOUNT {$2000.00} FILED FRAUD NEVER GOT RESPONSE. XXXX XXXX DATE OPENED XX/XX/XXXX, AMOUNT {$760.00} FILED FRAUD NO RESPONSE. XXXX XXXX DATE OPENED XX/XX/XXXX, AMOUNT {$1400.00} FILED FRAUD NO RESPONSE. XXXX XXXX DATE OPENED XX/XX/XXXX, AMOUNT {$2400.00} FILED FRAUD NO RESPONSE XXXX XXXXE DATE OPENED XX/XX/XXXX, AMOUNT {$300.00} FILED FRAUD NO RESPONSE XXXX XXXX XXXX NA DATE OPENED XX/XX/XXXX AMOUNT {$4900.00}, FILED FRAUD NO RESPONSE NORDSTROM/TD BANK XXXX XXXX XXXX XX/XX/XXXX AMOUNT {$490.00} FILED FRAUD NO RESPONSE.
Company Response:
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, I want to report TD Bank that represents XXXXXXXX XXXX for potential violations of the FDCPA. Mainly, now I am getting calls on an outstanding balance on an account that is not legally mine. Due to the terms of my purchase with XXXX, XXXX was to credit my account in the amount of {$120.00}. That never happened. Now, TD bank is trying to recoup the {$120.00} plus late charges on an amount that is not legally mine. They keep telling me to " contact the merchant, '' but they are representing the merchant themselves. regardless, I am unable to contact the merchant. on or about XX/XX/XXXX, I purchased a new XXXX XXXX with a contract stating that I would be credited {$120.00} for the turn in to XXXX of my old watch. I did so. I received word from XXXX that my account was to be credited in the amount of {$120.00} in the manner of a text message to me that I retained in the notes to TD. The XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Later in XXXX, I noticed that the amount was not credited. I contacted TD regarding the outstanding balance. They just told me in writing to " contact customer service. '' From the follow up contact, they said at that point that they would check into it and " do nothing. '' That message was dated XX/XX/XXXX. Next, in XXXX, I still see the balance and late fees accruing in the account. I then filed a formal complaint with TD Bank for the misrepresentation of the debt. That was filed via fax with TD on XXXX XXXX, XXXX. I had confirmation of receipt of the fax on the same day. I have not heard resolution other than they received the fax sent on XXXX XXXX, XXXX. I am continuing to get calls XXXX XXXX XXXX XXXX even after I have pleaded with them to verify and produce proof that I am legally responsible for the debt. They still do not have resolution on my complaint.
Company Response:
State: TX
Zip: XXXXX
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: 2022-12-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was a victim of a fraud and wired {$110000.00} from my TD bank account. I asked the bank to cancel the wire the next day and refund the money to me. The bank did not take immediate actions despite multiple calls and visits to the branch to alert them that this wire was a fraud. The bank is now claiming that the matter is out of their hands and they can not do anything further to restore the matter. The wire was sent through the branch in person on XX/XX/2022. I was threatened over the phone while I was making this transfer, I had my headphones on, and was talking to the scammer the entire time. The bank didnt warn me or ask me any questions and went ahead to process the wire. There was no call back from the bank to verify the legitimacy of the wire either.
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 I applied for a credit card with XXXX XXXX and was informed that i was denied a credit card ( with XXXX ) because my credit score was bad- and that i had delinquent payments on credit cards. I knew that this was not the case because i am very diligent of my finances, and have more than enough cash at hand. Upon arriving back from my vacation on XX/XX/XXXX, I looked into my credit report with XXXX XXXX ( my bank ) and realized that i was a victim of Identity Fraud with 2 fraudulent activities. 1. TD BANK credit card opened under my name in XX/XX/2022 XXXX. Line of Credit with XXXX XXXX which i never requested to have. I am currently in the process of rectifying all these false charges and contacting the 3 credit agencies to figure out how to rectify these matters. As i have never had to go through identity theft before. Please Help me rectify these false charges and fix my credit score. thank you XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to ATM after hours after picking up kid from XXXX, XX/XX/XXXX at XXXX in XXXX Vermont XXXX I needed to deposit tips from the weekend, most of my income is in cash. I deposited XXXX XXXX 's ; XXXX fifties ; and XXXX XXXX dollar bills, for a total of {$400.00}. I'm absolutely positively certain of this, I live on my cash tips. I knew what I needed in account to cover checks i mailed. I immediately see error come across screen, then option to do a, forced deposit, which I had never heard of before this instance. The machine never kicked out my funds while I was present. I typed in exactly what I know for fact I deposited, and thought it would put funds in account. I visit same branch ATM again XX/XX/XXXX, see {$400.00} deposit ( credit ) then a {$300.00} debit, they took funds back out. I went in bank and spoke to Assistant manager, XXXX XXXX, who said she would file complaint or claim, and she told me " this particular ATM does not like big bills '', such as fifties and hundreds after I told her I size of bills deposited. It was quite clear ATM deposited my XXXX XXXX 's, and did who knows what with the {$300.00} balance in bigger bills. I was told funds would be taken care of but it may take 10-15 days. ,10 days later nothing happened, spoke to XXXX XXXX again XX/XX/XXXX and she states Audit of ATM was recently done XX/XX/XXXX, I should have my funds soon. I received a letter today XX/XX/XXXX stating their investigation is complete and they say I basically lied or tried to benefit from this forced transaction and they or the ATM vendor are stealing my money and not going to fix mistake they created. I would not escalate this situation unless I felt I have been wronged and I feel I was robbed by that machine and don't understand why nobody can check a camera from that night and how is {$300.00} just lost in a machine and nobody can find it? I felt compelled to go above and beyond the company, they obviously don't have my best interests in mind, I will not accept having my hard earned money stolen, by my own bank.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NordstromTDBank open in XXXX my Identity was taken and chargers were made. I called in to report, creditor stopped chargers being made and a couple of weeks later it was reopened when the thieves called in pretending they were me in which it wasn't me but they had my personal info. Police report was given at the time of the call the first call. They
Company Response:
State: CA
Zip: 92411
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a TD bank customer. Account # XXXX got XXXX on XX/XX/2022. My debit card was used from XX/XX/XXXX to XX/XX/XXXX. I didnt get out of XXXX until XX/XX/XXXX. The person put me in the negative over {$800.00}. The claim itself was over XXXX XXXX of transactions. I supplied TD bank with a police report, paperwork stating I was in fact in XXXX and they still denied my claim. I guess the person new my pin. It was my at the time boyfriend who I have broken up with and filed charges on. I still want my money back. All he got was XXXX with no restitution.
Company Response:
State: MA
Zip: 01821
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Company denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof. TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX denied applicant credit without basis, merit, and/or made decisions based on falsely reported credit information, law, or the lack thereof and/or violated policy of the Uniform Comercial Code c/o negotiable instruments and/or credits. Note : The applicable credit/debit card no. is listed in this report as account # XXXX TAKE JUDICIAL NOTICE that It is unlawful to be denied credit and/or to discriminate against any applicant as it is causes an adverse action pursuant to : Title 15 USC 1691 providing the scope of prohibition ; Title 15 USC 1681 providing Congressional findings and statement of purpose 12 CFR 1002.4 providing current regulation against discrimination, discouragement, and denials of credit 15 USC 1611 CHAPTER 41 providing for the Criminal liability for willfully and knowingly violating any portions of these codes. Applicant demands immediate reconsideration and/or opportunity to create and/or build a credit and/or banking relationship as the willingness and ability to lawfully maintain a commercial relationship is available.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A