Date Received: 2023-12-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened an account on XX/XX/2023 after being given the opportunity to bank with them again after decision overturn from an error on their end. My bank account was opened for XXXX weeks and then my account was randomly blocked and restricted without access for no reason, I called and they gave me the reason that my account is blocked due to my reviewing relationship with the bank. I have not done anything to cause issues with my account nor have I violated any bank policies with my account. Now I have no access to my account and money in it. I attached a letter from the previous complaint I made in XX/XX/2023 with them where they stated I can bank with them without an issue.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello, I was recently phished by a email posing to be a XXXX opportunity from my school. I followed the instructions in the email and sadly fell victim to the scam by submitting a check to the bank that was fake. The check was for {$950.00} I have photo proof of the entire incident that will be provided in this complaint. My name is XXXX XXXX I called the day of to try and resolve the solution but was told my relationship with TD is over and its permanent with no resolution.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding their refusal to credit the funds for six fraudulent transactions made on my XXXX account. The details of these transactions are as follows : * XX/XX/2023 : {$95.00} * XX/XX/2023 : {$56.00} * XX/XX/2023 : {$79.00} * XX/XX/2023 : {$51.00} * XX/XX/2023 : {$170.00} * XX/XX/2023 : {$18.00} To support my claim, I have attached a crucial piece of evidence : a screenshot of an email from XXXX, confirming the detection of unusual payment activity on my account. XXXX temporarily placed my account on hold on XX/XX/2023, as they were unable to verify the ownership of my payment method. I am seeking the prompt resolution of this matter and request the reimbursement of the funds for the aforementioned fraudulent transactions. I trust the Consumer Financial Protection Bureau to handle this complaint diligently, and I really appreciate your attention to this issue. Thank you very much for your prompt assistance. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
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 two pair of jeans from Nordstrom online a few days apart, and returned both via mail, also a few days apart, with the mailing labels provided to me online by the store. When I received the credit card statement for XX/XX/, I checked my account on the store website to confirm that both pair of jeans had been returned AND RECEIVED by Nordstrom. Because both items had been received, I did not pay the credit card bill assuming I owed them nothing. The next credit card bill for XX/XX/XXXX stated that my account was overdue. When I called, I was told that even though both pair of jeans were received, the one pair was not received until after the account had closed out for the month and therefore still owed the minimum payment. I was directed to the small print on the Nordstrom website regarding returns which states that it takes 14 days for a return to be processed and then another 3-5 business days for the credit card company to place the credit on your account. Therefore, the consumer must pay the minimum amount on the credit card account even though the store has the product! It was further explained to me that once the store and credit card company finalize processing the return, the account will then show the proper credit. You must then ask the credit card company to send you a refund check or you can use your card and apply the credit to a future purchase. This " return policy '' is incredibly deceptive and intentionally designed to force a consumer to have to make a minimum payment to the credit card company -- in other words, they have the use of your money AND the product. Because everything is done by computer, there is no legitimate reason for the amount of time to process the return.
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: TD BANK USA/TARGET CREDIT I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a Target Credit card. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans. As reported to XXXX : there is only history for 3 months in XXXX ; XXXX 60 days past due, XXXX 90 days past due and XXXX 120 days past due. There is no other data provided for this account in XXXX. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my XXXX XXXX. As reported to XXXX : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. XXXX shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX. The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my XXXX File. As reported to XXXX : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX. XXXX shows the date the account will fall off is XXXX of XXXX, but XXXX shows XXXX of XXXX. XXXX shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my XXXX File.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: THIS IS NOT A DUPLICATE COMPLAINT. IT IS A FOLLOW UP WITH ADDITIONAL QUESTIONS. IN MY PRIOR COMPLAINT XXXX, TD BANK SAID THERE WAS A SERIOUS DELINQUENCY WHICH LED THEM TO REDUCE THE CREDIT LIMIT FOR MY ACCOUNT ENDING IN XXXX. THERE IS CURRENTLY NO DELINQUENCY WITH ACCOUNT XXXX. I DEMAND TD SPECIFICALLY STATE WHICH DELINQUENCY IS BEING REFERRED TO. THERE IS NOT EVEN A BILLING ERROR DISPUTE FOR ACCOUNT XXXX AT THE MOMENT. MY CURRENT CREDIT PROFILE LISTS VARIOUS DISPUTES WHICH ARE STILL IN PROGRESS, THERE IS ALSO A SECURITY FREEZE AND AN IDENTITY THEFT ALERT IN PLACE WHILE THESE ISSUES ARE BEING RESOLVED. TD CLAIMS THEY ARE REQUIRED BY LAW TO REPORT TO THE CREDIT REPORTING AGENCY HOWEVER THAT IS FALSE. ACCORDING TO THE LAW : 15 USC 1681a ( 2 ) ( B ) : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; An exclusion means it should NOT be listed. A credit card is defined under the Truth in Lending Act or 15 USC 1602. In Definitions and rules of construction, the law clearly states : ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ALSO ACCORDING 15 USC 1681b ( 2 ) - permissible purposes of consumer reports : ( A ) 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 the written instructions of the consumer to whom it relates. I repeat and reiterate that I NEVER gave TD or any other agency written permission to furnish information about this account on my consumer credit report. In USC 1681a - Definitions ; rules of construction, specifically 15 USC 1681a ( 2 ) ( A ) ( i ), we see : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Clearly, exclusion means something that is not supposed to be included. So, the law states that transactions or experiences between the consumer and the person making the report in this case TD are not supposed to be included in a consumer report, so TD is not obligated to report anything about account XXXX. TD 's violations are excessive and lead way to civil liability against under 15 U.S. Code 1681n which is civil liability for willful noncompliance and 15 USC 1681o which allows for civil liability for negligent noncompliance.
Company Response:
State: NJ
Zip: 073XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: TD Auto, I am demanding proof of the first delinquency being the date you have provided in XXXX. The first delinquency is BEYOND the statutes of limitations. SEND PROOF OF WHAT YOU STATE. I do not believe this is accurate whatsoever.
Company Response:
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
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 am filing a formal complaint against TD Bank for their mishandling of a dispute related to a charge on my account. This dispute involves a transaction dated XX/XX/, for an amount of {$760.00}, charged by XXXX XXXX XXXX for a vehicle repair service that was never completed. Initially, TD Bank issued a credit to my account while they investigated the charge. However, they failed to conduct a proper investigation and prematurely reversed the credit. Upon contacting TD Bank, they acknowledged their error in not investigating the claim and incorrectly closing it. They apologized and reopened the claim, reissuing the credit and promising to follow up with the necessary form for me to submit video evidence supporting my claim. Despite this assurance, the form was never sent, and I was later informed that it was not dispatched because the claim had been closed in my favor. Today, I discovered that TD Bank had once again reversed the charge, despite the investigation still being incomplete and without any communication or resolution of the issue. This series of mismanagements by TD Bank has caused significant financial and personal distress. I am seeking a resolution in the form of a credit for the disputed amount and appropriate action from TD Bank for their failure to handle this dispute correctly and in accordance with the rights and protections I am entitled to as a cardholder. Thank you for your attention to this matter.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I received a fraud alert message from TD bank attempting an unauthorised transaction for {$160.00}. Upon receiving that, I replied NO as a prompt and my card was immediately locked. I called them and since I needed a replacement card I ordered for a new card. On that day when trying to dispute the transactions they mentioned it was not posted in their accounts and that I have to wait until all unauthorised transactions was posted. Only on XXXX I could file the dispute for a total amount of $ XXXX I had informed the bank just few hours after the alert message not realising that my card was stolen. I requested documents pertaining to the exact time of the transactions, method of use of the card as in between those transaction there were my personal transaction by using the phone pay and whenever I use my card I always put a PIN no. in the stores. I didn't receive the details and my dispute was denied twice ( filed on XX/XX/XXXX and XX/XX/XXXX ) saying that there were " valid transactions conducted by me after the fraudulent transactions posted '' to which my question is I did use the new replacement card and my phone pay app all along for personal use and I don't understand their denial on that verdict. I also submitted a police report on the matter for reference of the bank. I also spoke to the technical team of the bank to get a clearer understanding and the unauthorised transactions are so apparent when I inquired the details of the transactions. They provided a provisional credit and I didn't use any of it as well.
Company Response:
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX, This loan was taken out as a 0 % interested for a XXXX XXXX XXXXl. We met the requirements, paying off the loan in time. The firm in question will not close the account. Calls to customer service get placed on hold, transferred to inept people who hang up. Or just disconnect. Their misleading website provides no means to close the account. Emails to their customer support results in a reference number sent back but no follow up actions. This account remains as open and active on my credit although we've not used it and have had a XXXX balance since 2019! I believe this firm acts in bad faith, avoid responding to customer inquiries and requests, and would submit that they should be banned from doing business. This is marketed as TD Retail / XXXX XXXXXXXX XXXX.
Company Response:
State: OR
Zip: 97229
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A