Date Received: 2022-09-30
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I fell hook line and sinker for a gift card scam. I received an email that was supposedly from XXXX. I didn't call the number in the email but went directly to my XXXX account and the notice was there and I called the number thinking it was for XXXX. I really missed all the red flags, they supposedly credited my bank account but it was for {$5000.00} instead of the {$500.00}. I was directed to get gift cards which I stupidly did. The money was gone from the gift cards and I've contacted my credit cards to see what I can do. The gift cards were, Target, XXXX, XXXX and XXXX XXXX. These were {$500.00} gift card. The XXXX XXXX card was bought at XXXX XXXX and the XXXX cards from XXXX 's.
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
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: On XX/XX/XXXX, I enrolled in a XXXX payment plan with XXXX XXXX ( TD Bank ). The payment plan terms outlined that my minimum monthly amount had been reduced to {$10.00} effective XX/XX/XXXX. My XXXX account showed payments as posted on XX/XX/XXXX and XX/XX/XXXX of XXXX as well as XX/XX/XXXX of XXXX. When reviewing my credit report, I noticed derogatory remarks were present on the aforementioned account. I first disputed the item directly with XXXX and XXXX on XX/XX/XXXX. The dispute was completed and stated the remarks were not removed ; however payment information for those months marked as late were updated to reflect I did in fact make the payments as agreed. I contacted TD Bank via its XXXX XXXX messaging center on XX/XX/XXXX, alerting them to the recent dispute and the results from the dispute. I received the following message in return on XX/XX/XXXX : We understand your concern about your recent credit bureau information you received. We understand this may not be the outcome you were looking for with your recent dispute but we hope you understand that we must remain consistent with our credit policies, in fairness to all our accountholders. We apologize, we aren't able to help through online messaging. We can better assist you with your questions and concerns if you can give us a call at XXXX. We're available XXXX am - XXXX pm CT, 7 days a week.Looking forward to your call! Sincerely, Target Card Services, servicer to TD Bank XXXX, XXXX. I replied on XX/XX/XXXX via the same messaging platform inquiring what Target RedCard credit policies were regarding Payment Plans since the Payment Plan Terms email received on XX/XX/XXXX stated no such verbiage with the ongoing issue. No response was received and I resent the previous message from XX/XX/XXXX again the next day ( XX/XX/XXXX ). On XX/XX/XXXX, I received the following reply : We'd be happy to assist you with your questions, however we can't help here online. Please give our representatives a call at XXXX. Representatives are available Mon -Thur XXXX am - XXXX pm CT, Fri XXXX am - XXXX pm CT, Sat XXXX am - XXXX pm CT. We're closed on Sunday and some holidays.Looking forward to your call. Sincerely, Target Card Services, servicer to TD Bank XXXX, XXXX. I replied back inquiring which contact number was correct for the dispute department and received the following response on XX/XX/XXXX : We understand your concern in regards to getting in contact with the correct department. If you'd like to speak with us about your dispute, please give us a call XXXX. We're available XXXX am - XXXX pm CT, 7 days a week.We look forward to helping your resolve this issue! Sincerely, Target Card Services, servicer to TD Bank XXXX, XXXX. I called the later number given by the representative, and was transferred through multiple departments as no one knew how or who handle credit reporting disputes. One final representative stated that they submitted a ticket to address my concern ; however no correspondence or communication was received after as far as the status of the dispute. I reopened the dispute and submitted supporting documentation to XXXX showing the Payment Plan Terms confirmation email sent on XX/XX/XXXX as well as proof of payments being posted on the agreed upon payment date. The dispute results came back the same despite the supporting evidence that payments were made on time in the agreed upon amount. I added the statement to my XXXX credit report stating that PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE since I have exhausted all methods to remove the inaccuracies that have been reported to all three credit bureaus.
Company Response:
State: IN
Zip: 46815
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened an account with TD bank and never received the debit card in the mail... Having waited 6-8 weeks with XXXX once recovering I called them to ask them to resend the debit card so I could access the {$10000.00} that was direct deposited into that account over the 6-8 weeks. They couldn't generate any authentication questions to verify me, and then refused to find a resolution that didn't require me to drive an hour to a branch to rectify the issue in person. I opened the account online, but now can no longer access any money or support for that account unless I go to a branch, which are not local. They refused to offer other solutions or remediate the problem, refused to generate verification questions. I opened the account with a promo bonus and they haven't verified that the bonus is active either. Very poor customer service, no ability to access my account, no trackability of my bonus.
Company Response:
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: My name is XXXX XXXX I had a checking account with TD Bank in XXXX XXXX XXXX Florida their number is XXXX a check was mailed to me out of California for {$14000.00} in change TD Bank held that check because they thought I was fraud which is not for 3 weeks they ended up closing my account the check is still good TD bank has not sent it back to XXXX XXXX in California I have called them and I've been to TD Bank and they're not doing anything about it they closed my account about 5 or 6 weeks ago they have not returned the money to XXXX XXXX XXXX yet
Company Response:
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just recently I started looking at my statements and I noticed that I was being scammed by somebody and had I done the theft and fraud done to me. I had my XXXX emptied out. Also some forged checks put into my bank account. My W-2 form was taken along with my social security card and my license was sent to me by some scammer. Also, inappropriate pictures came up online of me and threatened me that they would send them to different sites in my family. Two cell phones were also opened up that I'm trying to work with XXXX XXXX XXXX about.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a hard credit inquiry notification from my credit monitoring service. The inquiry was made for a new account with " TD Bank ''. I did not initiate this. I am in the process of trying to stop the account from being created, but my information is leaked enough for this to have been initiated.
Company Response:
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I checked my credit using XXXX on XXXX. I noticed that my credit points dropped significantly. I then noticed that I have a new account opened, opened in XXXX. I have not opened any new accounts since before the pandemic. I noticed that XXXX dollars was charged. I called Target and I Talked to a team member on the Fraud department and she said that two charges were done on this new account : XX/XX/2022 for XXXX and XX/XX/2022 for XXXX. I did not open nor make these charges on the Target Credit Card that was recently opened on my credit.
Company Response:
State: CA
Zip: 92173
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello, I have a XXXX credit card with TD Bank which had over {$2300.00} in fraudulent charges. I reported this fraud over the phone ( several times ) and was told on two occasions and told I would have to wait 90 days to get a response. The employees did not inform me that waiting 90 days for a response would eliminate my protections under federal law as any disputes must be made in writing within 60 days. It has been 27 days since I reported the fraud and I have yet to receive a case number. As such, I sent a certified letter disputing the charges, as the pattern of behavior seems to be to delay investigating such charges until I lose my right to be protected under federal law. It has been extremely hard to even contact anyone at the bank due to multiple hour hold times, I have been hung up on several times, and have had no luck getting in touch with someone who can address my concerns or provide me even with a case number. They do not show the charges as disputed in writing online or in any letter, nearly a month after reporting via the telephone. I believe that TD Bank is intentionally telling customers to wait 90 days via in order to ensure that a customer loses their federal protections against credit card fraud. This is pattern of behavior I have witnessed among their agents. They do not inform the customer who is calling on the phone that TD Bank has a policy that they do not have to take action on complaints made via telephone, and under federal law the customer has only 60 days after receiving their statement where they can file a written claim. They KNOW that a customer will lose all rights under the law and cardholder agreement to dispute fraudulent charges should the bank not launch an investigation or not find an outcome in their favor. Additionally, TD Bank ( and XXXX ) engage in deceptive advertising, saying that customers have " zero liability '' and that charges are refunded in **five** business days. In the fine print, this five day policy is discretionary. Visa and TD Bank also fail to inform consumers that they lose their protections against fraudulent charges under the law if they do not submit a written claim and only file a claim on the phone. I suggest the CFPB investigate these practices, I suspect that TD Bank uses this tactic to avoid their responsiblity to cover fraudulent charges under the law. There is nothing I can do as a single customer, but I have seen other reports of this behavior online. I hope that my complaint spurs some action into forcing more transparency and faster response times for card holders who have been the victim of fraud.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have submitted a fraud claim with my bank TD, my card was lost and was used all my money until leave XXXX dollars on my account. I noticed when I logged in onto my online banking and saw a negative balance of XXXX I locked the card, requested a new one and call the bank to report the fraud. they gave provisional credit and after a couple of weeks the claim was denied because " the card was not used after '', situation that is obvious if they tried to make more purchases without positive balance, those transactions must be denied so thats why they didnt keep using it
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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 XXXX2022 I reported to TD Bank about unauthorized transactions on my Credit card : XX/XX/XXXX2022 amounts {$260.00}, {$260.00}, {$260.00}, {$19.00} total {$820.00} ( claim # XXXX ). Since I spoke with TD representatives on XXXX/XXXX/2022, XX/XX/XXXX22, XX/XX/XXXX22, XXXX/22,XXXX/22,XXXX/22,XXXX/2022 I still don't have resolved result about above fraud. Charges still on my card account. Bank is continuing charging late fees and interest from me ( up today {$63.00} ) .Please help me to resolve this issue. Thank you XXXX XXXX.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A