Date Received: 2022-10-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There was a fradulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX There was another fraudulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : TD Retail Card Service XXXX XXXX XXXX XXXX, NJ XXXX No phone number provided
Company Response:
State: KS
Zip: 66061
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
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 opened up a dispute with the issuing bank of this credit card, which is TD Bank over the phone almost two months ago now. Their rep was clearly incompetent and did not submit it correctly or the bank chose to ignore my issue. I sincerely hope it was not the later because the response I received in regard to the dispute which was closed, not in my favor did not make sense, at all. It was all wrong. I am not even sure where they got the info from. They actually stated things that I did not claim. I called and was told that if I wanted to open the dispute, this time it had to be in writing, by mail. They made me print out the form, fill it out or attach a letter and send it in by mail. Why I am not sure. To make my life difficult? However, I complied. No response at all to date. Nothing is happening. Its about two weeks already since it was mailed and my account shows nothing. It does not show it is under any type of review or dispute, it shows I am responsible for the min payment which I should not be if under a dispute. I have no idea what this bank is doing. Consequently, I have also been disputing this with the vendor directly. I am not sitting idle while waiting for a dispute. I have reported them to the XXXX and to the Attorney General as I am waiting for this bank 's response.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I entered into an agreement via XXXX XXXX through TD Bank N.A in the amount of {$1800.00} for a new washer and dryer. The washer and dryer was delivered XX/XX/12. The dryer was determined to be defective approximately XXXX hour after delivery and installation upon first use. I immediately contacted XXXX for a replacement. XXXX will not provide documented confirmation that a replacement is processing and they are unable to provide a date that a replacement will be delivered. When I inquired about returning both items and canceling my financing I was hung up on, twice. I also inquired about this via chat and was my inquiry was disregarded. XXXX has delivered a non functioning device and is charging full price with no documented intentions on replacement. In-between the time my replacement was requested and today XXXX updated their website to advise replacements are no longer being processed. Items will have to be returned, refunded and a new item ordered. Which would result in new pricing/financing offers. That was not the deal. That actively changed as my replacement was processing. Are their customer service reps to scared to tell me? It's hard to tell. Whats not hard to tell is that XXXX is clearly taking advantage of their customers financially by offering great financing rates but not delivering functioning products. Per reviews and complaints on XXXX I can NOT the only one. TD Bank has a lot to gain here if this is the way XXXX is going to operate.
Company Response:
State: OH
Zip: 43078
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On Saturday, XX/XX/2022, TD Retail Card Services made a hard inquiry into my credit using XXXX On Monday, XX/XX/2022, I left an inquiry regarding this activity on their website. A hard inquiry requires my consent. This hard inquiry was done without my knowledge or consent. A hard inquiry is triggered when one applies for credit. I have not applied for credit in the last five years.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Td bank cashed approximately {$98000.00} of counterfeit checks in my account and is refusing to reimburse me saying that per their agreement we had only 30 days to let them know I missed the first few checks and therefore it was closer to 60 days before we were fully aware of the issue. I think they should have picked up the activity because it was an account that had very little activity until this and they did nothing
Company Response:
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am a victim of a data breach injury due to TD Banks inability to keep my information safe in the company.. I am filing a complaint for negligence and the inability to keep the information safe in the company. The damage this data breach has caused was my social online banking and social security being compromised. This also includes them demonstrating the lack of appropriate security measures. Recently my bank TD Bank called me through their typical number that has been posted on their webpage and banking app on XX/XX/XXXX. I answered this call and they told me that it was the TD bank fraud department. I handled this like I would handle any fraud case and gave TD Bank the information they requested because these people had all the information my bank would usually had including my name, my address, my online banking password and more. In the same session my online banking password was changed and I was locked out of my account. TD Bank tells me this was protocall and that they would give me a password soon. then the call ended. The next time they called me was on a monday XX/XX/XXXX and they say it was another fraud attempt on my account. They then ask for my social security. I gave them it because this is TD Bank 's company number. Then they hang up randomly. I then called TD Bank back to figure out what was going on and they told me that they had no calls from me on their system regarding a fraud case. They also informed me that they have been having alot of situations like this with hackers. hacking their customers ' systems and calling customers through their company number. TD Bank told me they are aware of these hacking situations and they did not inform their customers or do what they had to do to prevent this from happening. I have taken a few actions to prevent further injury but the bank is liable for this data breach and injury. I have proof of the Calls from TD Bank from the hacker and texts that can prove negligence and lack of action. And now I have the actual recorded call through TD bank admitting that they were arew of these breaches but decided to do nothing.
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: TD Bank Refused to refund stolen money : On XX/XX/2022, I visited my local TD Bank to withdraw funds from my account. When the teller gave me my bank slip, I realized there was a discrepancy in my total account balance and that I was missing {$30000.00}. I immediately contacted the bank and was informed that two ACH transfers transacted the funds out of my account. These transfers were not authorized and were performed without my knowledge. On XX/XX/2022, I was refunded {$15000.00} by TD Bank and my account was closed by TD Bank before the remaining {$15000.00} was recovered. A new account was opened by TD Bank, but I have not been informed about what would be done about the remaining {$15000.00} that had been taken from me, or what to expect in terms of communication or a solution. I have called TD Banks XXXX Department several times and have not received a response, or I am transferred around to agents who dont know who to escalate the call to in order to assist me or explain who or what entity transferred the funds from my account. I have also visited my local TD Bank several times where a helpful branch manager informed me that the issue had to be handled by the TD Bank XXXX department, but TD Bank has been otherwise unresponsive and unhelpful.
Company Response:
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: hello i was reaching out to see what else i can do, someone took all of my personal info from my car and used my personal info debit cards and social to open up accounts and also put fake checks into my account that's preventing me from being able to open an account and also ending my relationships with my bank I've been at for years. i called complained and did so much more and still haven't got an answer i even asked could they look at cameras to see if they see the person doing this to me i am very upset this is taking over my life.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a TARGETED postal mail offer in XXXX of XXXX that advertised ( directly to my name at my address ) a offer of opening a new TD Bank checking and savings account. The offer stated I would receive {$400.00} bonus added to the new checking account and {$200.00} added to the new savings account. The terms stated I had to have direct deposit to the checking account and for the savings account I needed to transfer in {$20000.00} of outside funds and it could take up to 150 days from the account opening to be awarded the amount. I was previously a TD bank customer and brought the mailer in to my local branch and inquired if I was in fact eligible due to the previously closed account. They told me they needed to contact a promotions team and they would get back to me and collected my phone number and made a copy of the mailed offer. Later that day the branch representative called me and told me that they confirmed that I was in fact eligible for the offer and he needed to schedule an appointment with me to create the account and make sure he had the promotions attached correctly. The next day ( XX/XX/XXXX ) I went in and made the account. The direct deposit activity requirement for the {$400.00} checking bonus was completed on XX/XX/XXXX. The {$20000.00} savings account deposit was completed by XX/XX/XXXX to fulfill that offer. The {$200.00} savings offer was loaded to my account on XX/XX/XXXX but the {$400.00} offer for the checking was not. I reached out to support at that time and they told me it looks like I did fulfil all requirements but per the terms we need to allow up to 150 days and to contact back on XX/XX/XXXX to allow them to exhaust the 150 days and they would then research it. I contacted back on XX/XX/XXXX and asked them for a update as I still have not received the promotion and they responded they would investigate it. On XX/XX/XXXX they replied back stating that because I had a checking account with them on on XX/XX/XXXX ( almost 2 full calendar years ago ), I was ineligible to receive this new bonus. I want to reiterate the point that I received this as a TARGETED mail offer. They sent this to my name at my address knowing previous account history. Knowing this, I spent my time to travel to their branch and asked this very question : " Would I be eligible because I had a previous account? ". They told me they needed to look in to this further and contact a specialist and they got back to me later and scheduled an appointment for me to come back and open the account... IE waste more of my time... the next day. TD Bank clearly bait-and-switched me in order to have me not only waste my time and efforts of transferring money and setting up direct deposits, but then strung me along knowing that I would not receive the bonus after they PROMISED me the bonus.
Company Response:
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had XXXX so I wasnt able to work so I was late on my payments I reported it to td Bank, XXXX they still reported it to the credit Bureaus as late I disputed it with the credit bureaus. But they refuse to remove it Under the XXXX act
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A