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: On XX/XX/13 my wallet was stolen. I got 2 Target credit cards that did not work after i reported theft. On XX/XX/XXXX i called to make a payment and found my account in a negative {$4700.00}. Someone had made a Target credit card online account and paid my account twice. Then charged 2 purchases XXXX with a card i never received. I sent a fraud questionnaire reporting the 2 fraudulent payments and 2 purchases. I am certain this occurence is identity theft. I froze my credit bureaus, i put extra security on my social security and kept calling Target 2x a week for updates. My life has been in upheavle. I am a struggling single parent and take care of my mom. I have only received 3 letters from them 1 stating that MY payment of {$4900.00} was not cleared ( i never made a payment of that amount ) and another said that Target made a mistake in paying {$4900.00} to my account. They credited the 2 fraudulent purchases. Now they said today they will not honor any compromise for all the trouble this identity theft cost me. Isn't it a crime to knowingly allow my account to be exposed to someone else? This person created an online account and paid my balance to then use my information? Isn't Target wrong to not acknowledge the trouble and stress i experienced. I would like to lower my balance and set a payoff amount and close business with Target. I have copies of everything. I will not sit back and allow such unfairness to befall me while they pretend reverting everything the perpetrator and themselves did and then tell me it's 'fixed '. Please help. I can not afford a lawyer. I know what happened to me was wrong and i was honest to report it.
Company Response:
State: CA
Zip: 91740
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: there are 2 hard inquires in my XXXX credit report were NOT from me. One is from TD Bank USA/Target inquired on XX/XX/2023. The 2nd one is from XXXX XXXX XXXX XXXX XXXX ), I need these two hard inquires to be removed from my credit report and also I want to make sure the two places ( Target card and XXXX card XXXX do not issue the store cards out in my name. Someone must have stolen my personal information and trying to open store cards to do shopping!
Company Response:
State: NY
Zip: 10036
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: 2023-12-01
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: XXXX of XXXX and ongoing until XX/XX/XXXX TD Bank paid over to a merchant in XXXX installment payments of {$740.00} each. I informed them that I had never used the merchant 's service and had requested a cancellation and refund. However, they chose to forward those payments to the merchant despite my stern objection, Because of their failure to properly secure my account from and made those payments to the uncooperative Merchant I am now suffering this loss and humiliation. Those transactions and the issuance of provisional credits that were reversed caused the account to enter overdraft status which they are now claiming I have to make payment on before they will allow me to open an account. It is due to their dereliction, duty of care and failure to properly protect the funds in my account that gave rise to the current situation. Today, XX/XX/XXXX, I attempted to open an account with the XXXX XXXX branch with their check and was informed of the derogatory state of my name and credit. I also attempted to cash said check, ( Check No. XXXX dated XX/XX/XXXX ) with the XXXX XXXX XXXX but was rebuffed. They refused to cash the check stating that since I do not have an account with their bank they can not cash their own cash. Instead, they offer to cash the check only if I pay them a check cashing fee of {$10.00}. I refuse to pay them this fee as they have discriminated against me in opening an account and this debacle came about due to their negligence. Why should I pay them a fee to cash their own check? Why should I pay them a fee for a problem that they could have resolved in XXXX and for the degrading of my credit capabilities by holding a charge off against me? I would like to have : ( XXXX ) access to all my bank statements for the XXXX period. ( XXXX ) the reversal of the charge off from my credit report ( XXXX ) the reinstating of my account and ( XXXX ) the cease and desist of their discrimination against me.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I signed up for the TD Bank credit card for the {$150.00} cash back after spending {$1000.00} in my first so many billing cycles. After activating and spending approximately {$250.00} on the card, it was locked for suspicious purchases. I called and spoke with a representative who needed to call my phone number to verify my identity before discussing my account. I failed to answer the phone call and hear the code number one time. Due to a difficulty using this phone number, I asked if they could try another number and they could not. They are now refusing to discuss unlocking my account further unless I visit a branch in person. The problem is that the nearest branch is 2 states away from me. I have already spent considerable money with them towards my {$150.00} bonus, but it appears I will not be able to use the card to complete the bonus.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: To whom it may concern : I submitted the evidence of homeowner insurance after I received the first notice for insurance information. However, I received the Second and final notice Please provide insurance information on XX/XX/XXXX ( Exhibit A ). In the letter, TD Bank states that the insurance information I provided was received but unable to verify the coverage from XXXX. I went to the TD branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was told by manager XXXX to email and mail the proof to them. I mailed a copy to TD Bank Loan Operations XXXX XXXX XXXX XXXX Department TD Bank N.A. ( Exhibit B ). I called TD Bank at XXXX XXXX XXXX XXXX and was told to email the proof of insurance again which I did on XX/XX/XXXX ( Exhibit C ). The documents I sent again contain the following items. I purchased the house on XX/XX/XXXX and purchased one year of homeowner insurance. I provided TD Bank with the Policy document along with company information. They can verify with the insurance provider. The document is sufficient to prove that I have insurance coverage for the period XXXX which is provided and confirmed by the insurance company. ( Exhibit D, E, F ) However, I received a letter stating I need to pay for the insurance period XXXX and the total amount will be divided and added to the monthly bill in one year which is XXXX {$130.00} ( I did not have any escrow account with TD and I only pay for the interest and principle ). ( Exhibit G ) I do have insurance coverage from XXXX and they still charge me {$130.00} for that period. Please refund the money and cancel the rest payment for insurance coverage from XXXX. XXXX XXXX XX/XX/XXXX
Company Response:
State: NY
Zip: 11379
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: TD BANK USA/TARGETCRED card was opened under my name on XX/XX/2023 for {$120.00}. I have disputed the fraudulent card opening and charge with XXXX, XXXX, and XXXX.
Company Response:
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Repossession
Subissue: Deficiency balance after repossession
Consumer Complaint: I sent a request Surplus / Deficiency Letter through first class mail and sent a 1099-C request letter on XX/XX/2023 and XX/XX/2023 to TD Auto Finance. I mailed the letters to the address they have provided the credit bureaus and on their website XXXX XXXX XXXX XXXX XXXX, MI XXXX. I have yet to receive a response from them. They are reporting XXXX different balance to XXXX and XXXX which is not correct. This is truly detrimental to my credit and finances. I have been disputing with XXXX and XXXX to investigate inaccurate information on TD Auto Finance on my credit report yet they have failed to do so under my FCRA rights.
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 I was scammed by a two people. 1 person posed to be an XXXX computer cyber security who tricked me into believing my account was used for purchases of XXXX XXXXXXXX in XXXX and I had to call TD bank to assure my account is put on a 48 hour hold to prove it was not me. He took me through steps on my computer and called TDbank on 3 way.. i was tricked into going to XXXX and making XXXX purchases. I called TD bank my self when I realized I was being scammed. I called immediately after and explained to the real TD bank representative at time of call that I was told to go make XXXX purchases and I was told to text yes on my text message. I explained to her I figured out I was being scammed after the first two purchases in the amount of {$200.00}. I told her the gentlemen posing to be TD bank representative told me to text yes. I found it suspicious and did not proceed with the additional purchases. However, TD bank the actual representative said that the transaction can not be in a pending status to be disputed. She said it has to go through and then they can dispute it. So I proceeded to wait till ; the next business day to call and dispute it. They denied the dispute do to me texting yes. So I called and told them the story again and said I was told to text yes. I also have proof of the text messages the scammers sent me. She then said that I needed to fill out a police report with all the findings and resubmit the dispute. I did. I provided the date and times and there are even recordings of when I was coming in and out of the location talking to the people on the phone in a scurry looking worried and confused. Unfortunately, I was denied again. When I called the the supervisor by the name of XXXX, proceeded to tell me it was not enough evidence, and he stands with not giving me the refund. MY complaint is. I showed proof by calling the day of and the call is recorded. I called before the transaction went through to tell them not to put it through. Yet they could not and advised I let it go through.. then they now wanted more proof and request a police report. So I go through XXXX and relive the horror of the scam and I was still denied. Whats worse is I am accused of participating in the sale and I feel discriminated against and judged. I was manipulated into the sale. I suffer from an underlying condition that causes confusion i wouldnt particpate in such actions. I needed the funds for a procedure. I expressed this with TD bank and said I can provide proof of this as well..they did not care. The supervisor did not care to listen to the previous recordings or look further into what I was told by previous representatives who felt I deserved to receive it in my favor. I clearly proved I was scammed, and I followed exactly what I was told to retrieve my funds back yet I was still denied. I just opened an account with TD Bank and because of this I am being forced to close my account because I am no longer wishing to conduct business with banks I can not trust. Account Reference # XXXX # XXXX
Company Response:
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: TD bank has been sending me paper statements since I opened my checking account. I have NOT and did NOT request these statements. Initially, these statements were {$1.00} then a few months ago they increased to {$3.00}. I called in to inform them that I did NOT request these monthly statements and requested my {$3.00} refund. I was given the {$3.00} refund and was informed that I had to download their application ( APP ) and sign in my account to stop getting charged the {$3.00}. I dont wish to download TD bank app or receive their paper statements. Is it legal for me to be charged {$3.00} if I refuse to do both? I have since been charged again on XX/XX/23. Thanks for your assistance in this matter.
Company Response:
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: TD bank has been charging me fees on multiple occasions related to insufficient funds fees. They charge me return fees even if they have not paid the item or transaction which makes it very very hard to bring the account to positive. When I asked for a refund they claimed and allegedly stated that the fees are accurate. But based on the new memo released in XX/XX/2022, and if the Presidents executive order, junk fees are deemed illegal.They claim that businesses are not included in the junk fees waiver. Is that correct?
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A