Date Received: 2022-10-29
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/2022, a charge was made for {$2600.00}. I never received the product and I called the company to file a complaint. The representative told me that they will credit my account. Then I received my credit card statement from XX/XX/XXXX to XX/XX/2022, and the charge was on the statement. I called the company back and they told me that I must go to the police station to file a complaint. I did not file a complaint with the police because I didn't know what to file. Now my credit score has been adversely impacted.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: Let 's do this dance again, right TD? Note : regarding case XXXX to which TD responded : " We have been unsuccessful in reaching the consumer by phone to determine whether she herself filed the within complaint, rather than her son who is not authorized to do so. The attached letter requesting contact was mailed to her. Follow up actions will depend upon a response. The letter states as follows : Were committed to fulfilling your banking needs and delivering a legendary Customer experience. Today, Im writing to let you know we received your complaint filed through the Consumer Financial Protection Bureau ( CFPB ). Your concerns are important to us, which is why we began looking into your issue immediately. In reviewing your complaint, you reference previous CFPB case XXXX. As referenced in your complaint, you had advised us that you did not submit the complaint and it was written by your son. Since we have been in receipt of your complaint filed on XX/XX/2022, multiple contact attempts have been made with requests for you to follow up with us to discuss this newest complaint. The most recent attempt was made on Monday, XX/XX/XXXX, and an additional voicemail was left requesting a call back. To date, a follow up call has not been provided. In order to assist in addressing any additional concerns you may have, we will need to speak with you directly. At your earliest convenience, please return our call attempts so that we may assist further. Thank you for the opportunity to continue serving your banking needs. '' TD is welcome to confirm with the CFPB that I personally spoke with XXXX, one of the CFPB phone representatives at XXXX, on XX/XX/2022 at approximately XXXX ET and confirmed that I filed case XXXX and XXXX against TD myself. TD is also able to reach me at my alternate phone number XXXX which will get a quicker response if TD actually does call me and you are authorized to leave a detailed voicemail at that number. The The ESIGN Act granted electronic signatures the same legal status as handwritten signatures throughout the United States and my signature here at CFPB provides you the necessary authorization to contact me at that number at which time you can re-verify who I am and that I filed this and the previous complaints, if you forego verifying it with CFPB based on the information I have already provided confirming that I filed them. It is shameful that TD documents that they left me a voicemail on XX/XX/2022, when no such voicemail was left. XXXX phone records show NO call from TD on this date. Why didn't TD send me a registered piece of mail? As well, in this letter that was supposedly sent, there is no contact information and no phone number included in the response. Disgusting. It is shameful that TD failed to provide any results of their investigation that they claimed they began looking into " immediately '' except to say they didn't do anything but try and contact me ( which appears to be untrue ). So, I am refiling the complaint once again and since I have provided you with the CFPB contact information confirming that I filed these complaints, there is NO further excuse for you to keep stalling. On XX/XX/2022 I, XXXX XXXX, a XXXX senior, went into the TD Bank branch on XXXX XXXX XXXX in XXXX, FL and deposited cashier 's checks from my own accounts at XXXX for {$220000.00} and {$10000.00}. At the same time, I then wired {$230000.00} to scammers through XXXX XXXX in CA. I was somehow convinced by the scammers that I needed to wire my life savings to them. I tried from my first bank, XXXX, and they blocked it. But then the scammers convinced me to move my money to my other bank ( TD ) and wire it from there. My son, XXXX XXXX, spoke to the teller who " helped '' me at TD Bank and asked ( D = XXXX, my son, TD = XXXX, the teller at TD ) : XXXX : So now, my questions to you are : So what questions did you ask my mother before you transfer this money? TD : What questions I asked her? Who was the beneficiary? What was the purpose behind doing the transfer? XXXX : Well, what were her answers? TD : All the information is on the wire transfer, I can bring it up. XXXX : That would be great, could you do that? TD : Okay, so she's [ trading? ] to a XXXX XXXX company XXXX : Right. And then you... So all you asked her is where she sent it to which is XXXX XXXX which obviously she brought to you in the first place - we've established that. And what else did you ask her? TD : How much she wanted to send. XXXX : Okay. Anything else? TD : Not off the top of my head. ... XXXX : You didn't ask her if someone was telling her to do this? TD : No. ... XXXX : The other question too, is that she brought cashiers checks in from XXXX XXXX XXXX, deposited them in the account and then immediately wired it out. Did you ask her why she didn't transfer it from XXXX XXXX XXXX, why she brought it to TD? TD : I did not. XXXX : That didn't raise any alarm bells for you that she brought it from XXXX XXXX XXXX to TD and immediately wired it out? TD : It did not. This is the problem. The bank should have known about these scams and should have asked questions about what was going on. This should have readied red flags immediately. Any easy question would have been, " Why didn't you just wire the money from the other bank, instead of bringing it here to wire? '' Or : " Did someone tell you not to talk about why you are transferring this money? '' Once realizing I had been scammed, I called TD 's XXXX customer service and was told I had to go into my local branch, as the XXXX service reps told me that they would not assist me. However, since this was a Saturday ( the Saturday following the transfer ), the branch would only open on Monday morning. This prevented any potential actions from being taken by TD that could have recalled the wire transfer in a timely fashion. At the branch over the next few days, I spoke with the manager XXXX, and tried to allow my son to have access to this situation with the bank, however, TD actively denied my son from assisting. They wanted him to go into a TD branch to verify himself, however since he lives in CA, this was not possible. He even provided a power of attorney form to them, with myself verifying it was valid, however again, XXXX rejected it. XXXX then said she would look into other possibilities of how to get my son on the account/investigation, but never followed up or provided any further information. These actions are inexcusable on the part of the bank : not asking the appropriate questions to XXXX senior before the transfer not blocking the transfer not providing assistance when calling the XXXX number requiring us to wait 2 additional days to get help by waiting until the branch was open the manager of the branch denying allowing my son to assist and rejecting the power of attorney the manager of the branch not following up ( with repeating requests to do so ) Please help hold the bank accountable for their actions and non-actions in this situation. As per guidance on your site, they are supposed to be asking seniors questions about wire transfers and money movements like this. I am happy to provide more information, etc. My son also happens to have a recording of the conversation with the local bank branch teller in which he admits he did nothing in terms of vetting the translation as required. Note that a police report was filed with the XXXX XXXX XXXX, case # XXXX and Det. XXXX is assigned to the case ( XXXX ). I have attached the original wire transfer forms as provided by TD, as well as the fraud form completed at TD once they allowed me to file it in their branch. Thank you.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/22, {$4100.00} was deducted from my TD Bank account without my authorization by TD Bank. I was never contacted by the bank for the rational for this withdrawal. When I called and emailed them they ignored me and I still have never heard back. The bank blindly withdrew this without any contact to me prior and without my consent or authorization.
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. This consumer violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: credit report showed that I opened an account with TDBANK/TARGET credit card, I never did that. They had my email and home address but different driver license.
Company Response:
State: IL
Zip: 60706
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am using this platform to make sure there is an accurate record, that Target underwriting is able to make a credit decision based on accurate information and provide insight to a huge criminal scheme 95 % of all financial institutions are involved in against 300 million Americans. On XX/XX/XXXX, I applied for a Target red card and was denied due to XXXX knowingly and willingly providing Target with inaccurate information. I called and spoke to a Target Representative on XX/XX/XXXX who informed me I was denied due to recent Charge Offs. Recent charge offs Recent negative activity I am filing this request of reconsideration through the CFPB to have an accurate record and because I assume Target would want to make intelligent credit decisions based on accurate information. The Information Target received from XXXX is NOT accurate. Every single Charge Off on my credit report is from XXXX loans I received between XXXX - XXXX. They are all more than 7 yrs old since the date of last activity as I XXXX in XXXX and never applied for other XXXX loans since. However, these accounts were given to another department and that department used a tactic widely known as re-aging. This department changed the date of last activity from XXXX to XXXX. I am providing the original documents to those XXXX loans as proof. The final reason for using the CFPB platform is to find out if Target is also a player of the Major Credit Score scheme most financial institutions are involved in. It is not difficult to recognize the scheme but many banks look for a reason to deny an application in order to uphold the purpose of this scheme. Which is to deny consumers who have previously filed complaints or lawsuits against Creditors. There is a stream of data all financial institutions share with each other on each consumer which allows the financial industry to also discriminate against every potential borrower. Target will either play the ignorant card and deny me credit again or view my credit report accurately which confirms the following. I have a good credit history length, my credit Used is only 11 %, which is excellent, my payment history over the last 7 years is Excellent, my monthly payments are less than 20 % of my monthly salary which is again Excellent. So if a bank 's primary focus is whether a consumer has the ability to pay then I would be rated as an excellent consumer to offer credit to. As for my credit score being low ; The credit information which weighs most of any person 's credit score are : Length of credit history : mine is over 5 years = Very good Credit used compared to credit available : Mine is under 15 % = Excellent Recent Negative remarks : I have XXXX for 7 yrs Negative remarks which are 6 years or older impact a credit score minimally about 5 % of a credit score. Yet, XXXX has my credit score at only XXXX, this is despite having no negative credit information for nearly 7 years. Despite having used only 11 % of my available credit. Despite having no rent or Mortgage payment, no auto payment ( everything is paid off ) Despite my monthly bills being less than 20 % of my monthly salary. How is this possible : I will explain : Financial institutions have learned how to manipulate the XXXX algorithms. When a creditor continues to report an old charge Off the XXXX algorithm reads that as a recent Charge Off. Here is an example and we will use my Credit Report. I had a Charge Off in XX/XX/XXXX. However each month they have been re reporting this Charge off. Same with the XXXX Loans. Although there has been no activity since XXXX, they continue to report each loan every single month. They have also re-aged the loans by having a separate department take them over in XXXX. By doing so this department reports the loans as an original charge off for XXXX, not XXXX. Everyone in the financial industry is well aware of this but plays the ignorance card. WHY? You must ask the right question. Who gains when consumers ' credit scores are lower. ANSWER : All financial institutions because they can now charge much higher rates. There are other changes the Financial industry has done for the sole purpose of lowering credit scores. Here is one of those recent policies. Back around XXXX when opening a checking account all banks would pull your XXXX XXXX XXXX : This report would let the banks know if a consumer has written many bad checks which are still unpaid. However, a memo went around to all financial institutions that by pulling consumers ' credit reports whenever a consumer opens a checking account would lower 100s of millions of credit scores by 3 - 5 pts. Doesnt seem like much but that would allow financial institutions to charge 1,2,3 % higher on interest. Think of that, why would a bank need to pull a consumer 's credit score if the consumer is Depositing money into the bank. COMMON SENSE PEOPLE!
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: During the beginning of covid i was enrolled in a secured card with TD bank. I was unable to pay the bill even though they kept calling and asking for payment. After a couple months went by i decided to pay the full amount. My problem is that now i have a deliquency on my credit record and its affecting my outcome on credit worthiness. I feel very pressured by this and so i decided to go a step further and try to straighten out the fact that they didnt offer any forbeance during a pandemic and refused to remove late payments. The account was payed in full. Roughly XXXX dollars of debt. And i still have the delinquencies on my credit file. Please any assistance would be appreciated thanks.
Company Response:
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Good evening I XXXX XXXX has taken out a Complaint against Td bank. I am notifying the CFPB again to let them know that I went back to Td bank on XX/XX/XXXX and spoke with a rep. by the name of XXXX XXXX to see if Td bank came to a resolution on the disputes? She informed me that the manager of Td XXXX XXXX XXXX had put in a claim for {$5100.00}? Which was Denied And XXXX XXXX and XXXX XXXX XXXX put in a 2nd dispute for {$2500.00}? Which was also denied. They told me that I would be notified from the bank when the disputes were finished being investigated. I was never notified, I came in the bank to be told that the 1st dispute was denied because a PIN number was used, when I specifically told XXXX XXXX XXXX anything with a PIN number was me, she specifically told me that she put that in the notes, but she didnt, XXXX was very dishonest with me, she and XXXX was very dishonest leading me on to believe that both dispute claims was put in for {$23000.00} and they was very dishonest because the claims was only put in again for {$5100.00} and {$2500.00}? No where even near {$23000.00} and both of those claims was denied and Ive been to that bank at least 3 times a week since I found out and I was never ever notified from Td bank that the 2 claims was denied until I came to the bank to get the outcome to find out on XX/XX/XXXX the second claim was denied also for another inaccurate amount. XXXX XXXX told me that they were waiting on a response from Visa and XXXXXXXX XXXX and that if it was he he would hire a lawyer to scare XXXX XXXX because 9 out of 10 the company wasnt cooperating. I ask how if Td allowed some one to go in my account and steal XXXX out. XXXX had me to go back to the police station to file for forfeiture? Those two managers was very unprofessional, dishonest, and did not do the proper protocol of their job description. They have been perpetrating to give me back my full amount it has now been over a month I have been trying to get this very unprofessional matter resolved. I have made a formal complaint against XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX because both of these managers assured me that those claims was put in dispute for {$23000.00} and they was very dishonest because it was nottt!
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was unable to pay a credit card debt of XXXX in XXXX tried to make arrangement with the Credit card company ( Target National Bank XXXX. They would not help me to resolve it. they instead charge me high fees due to delinquency. 4 years later XXXX I received a judgement. I never received a notification of subpoena XXXX. I went to court and I was told I owed XXXX. I informed them that was not what I owe. I informed them that I owed only XXXX. I was not sure how it doubled. I declined the debt in court. I found out later the subpoena was given to my mother in-law who has XXXX. I was never notified from her that charges was filed on me. if I ask today she still does not know of anyone bring documents to her. A XXXX was put on my home without my awareness. I only found out when I tried to do a refinance. XXXX another judgement was filed against me for XXXX plus other fees totaling close to XXXX. I request that the debt XXXX stop calling me due to the statue of Limitation in the state of Georgia. XXXX was removed from my credit report and I did not here from them again until this week XX/XX/XXXX. They have now filed a garnishment. for XXXX. This a large amount of money with no justification of the amount. Why am I still being threatened for a time barred debt that occurred over XXXX years ago. What can I do to make them stop. XXXX Statue of limitations on credit card debt is XXXX years, judgement are XXXX years. no payments were made from XXXX due to lost of business and hardship.
Company Response:
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: we have been banking with TD bank about 20 years. on XX/XX/22 our rent check was stolen and cashed at XXXX of the TD bank branches. they changed date, amount ( {$960.00} ) and forged the signature and cashed. when we found out, we immediatelly call and went to see the banker in person. I was told that we would get money back in XXXX weeks. and they asured us the new check we sent out to our landlord will be clear. only to find out that it was bounced and we were charged a late fee. we had set up automatic credit card payment as well, but beause of this we were chareged hundreds of dollars in returnd payment and late fee. ( Im never late on payment and pay in full each month. ) it's been a month and a half, no money, no updates from the bank. Please help up get {$960.00} back. hopefully some of the return check and late fees as well. thank you in advance
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A