Date Received: 2022-09-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Commencing in XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( s ). When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether TD Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/2022 at XXXX PM- I received a TD BANK ALERT text asking if I was attempting to XXXX {$3500.00} out of our business account. I responded NO, got an auto-response saying a representative would contact me regarding the fraudulent attempt. XX/XX/2022 at XXXX XXXX - I received a call and the person on the line gave me the last XXXX of my account number, listed my last XXXX transactions, and sent security codes to my phone for verification. I was informed that there was a transfer attempt from Ohio and they were launching an investigation to try and trace who was responsible for the attempt. I gave my username to deactivate my online account so no further attempts could be successfully made. They stated my account would remain open to deposits and withdrawals for the next XXXX business days and a new online account would be created when the investigation was finished. I closely monitored my account during this time and did not see any changes. XX/XX/2022 at XXXX XXXX - I received a call from the same person saying that the investigation was closed and they were going to deactivate my online account and send a temporary password to set up my new online account. While on the phone, he told me I should receive an email saying that my password was changed ( which I did from XXXX at XXXXXXXX XXXX ). I was told a temporary password was being generated and to please hold. I explained that I was in the middle of a lesson and asked them to email it to me which they said they would. XX/XX/2022 at XXXX XXXX I called XXXX ( the number listed on the email ) to explain that I hadnt received my temporary password yet. I was told they would try to reset it again and to check back in the morning. XX/XX/2022 at XXXX XXXX - I called XXXX back to explain that I still havent received my temporary password. She said that was strange and that she couldnt give me the one made last night, but she could resubmit a password change request and give me a new temporary password ( another email received from XXXX at XXXX XXXX noting a password change ). She gave me the new temporary password over the phone. I used it to log into my account and immediately saw the fraudulent wires : XX/XX/2022 - WIRE TRANSFER OUTGOING XXXX XXXX - {$4300.00} XX/XX/2022 - WIRE TRANSFER OUTGOING XXXX XXXX - {$660.00} XX/XX/2022 - WIRE TRANSFER FEE - {$30.00} XX/XX/2022 - WIRE TRANSFER FEE - {$30.00} Total Taken - {$5100.00} XX/XX/2022 at XXXX XXXX XXXX I called XXXX back to state that most of our money was wired out and ask how this happened and what my next steps were. The person had me recount everything I have documented here from XX/XX/XXXX on and informed me that I wasnt talking to TD last week. She told me to go into my local branch and request a recall on the wire immediately. XX/XX/2022 ~ XXXXXXXX XXXX - I went to the TD Bank on XXXX XXXX XXXX XXXX XXXX, NY, XXXX and explained everything to a representative. They called the fraud department and started two investigations ( one for each wire ). XX/XX/2022 ~ XXXX XXXX XXXX I went back to the branch on XXXX to open a new account. The initial representative gave me the investigation claim numbers for both wires and informed me that I would hear back about the conclusions of the investigations within a week. XX/XX/2022 at XXXXXXXX XXXX - I hadnt heard anything back yet so I called XXXX ( the number given to me by the representatives at the XXXX branch ) to check on the status of the investigations. The representative I spoke to said that both claims were being finalized and the money should be back in my new account no later than the following Friday ( XX/XX/2022 ) and to call back if that doesnt happen. I asked her So does this mean that Im definitely getting all of the money back? to which she replied Yes, it looks that way! XX/XX/2022 at XXXX XXXX I still had not received the funds in the new account so I called XXXX back to inform them that I was told the funds would be deposited that day and they were not. I was informed by this representative that an Affidavit of Forgery was needed before funds could be deposited and that I would need to visit a local branch to sign that. XX/XX/2022 ~ XXXX XXXX - I went to TD Bank on XXXX XXXX XXXX XXXX XXXX, NY, XXXX, explained everything thats happened and asked to sign an Affidavit of Forgery. The representative at the branch said she was unfamiliar with wire fraud investigations and wasnt sure what to do, but that an Affidavit of Forgery was for check fraud, not wire fraud. She tried calling the fraud department, told me they were closed on XXXX and to come back into a branch on a Monday. XX/XX/2022 ~ XXXXXXXX XXXX - I went to the XXXX TD Bank and explained everything thats happened to a different representative. He called the fraud department and was informed that one of my investigations was denied and the other was still under review. I asked what that meant and he said it looked like the receiving bank ( XXXX XXXX ) denied the recall due to a lack of funds, but he was going to resubmit the investigation. I asked why I was informed that my funds were going to be back in my account last week if the investigation was denied and he said he didnt know. He said that he would call me at the end of the day with any updates he may have. XX/XX/2022 at XXXX XXXX - I called XXXX again and asked to speak to someone who could give me a definitive answer on the status of my investigations and what the next steps are around denials. This representative informed me that both investigations were denied due to lack of funds and there was nothing further that TD Bank could do. I asked if she meant that there was no way my funds were ever going to come back into my account. She said unfortunately, the only thing I can do is file a police report now. I asked how this is possible if the bank is FDIC insured and she said all she can tell me is that there is nothing further that TD Bank can do. XX/XX/2022 at XXXX XXXX - I called XXXX again after calming down and asked to speak to a manager or anyone higher up. I was on hold for over 30 minutes waiting to talk to a supervisor. Once the supervisor was onto the call, he told me that FDIC insurance only covers money that the bank loses from going under and it doesnt cover wire fraud. He recommended that I file a police and FBI report. XX/XX/2022 at XXXX XXXX- The representative from Steinway TD I had spoken to earlier in the morning said he resubmitted the investigations because both were denied and I should wait and see what happens. I explained to him what I had been told earlier in the day from the fraud department and told him that TD has left me with no hope left of seeing the funds again. As a small business owner, this has been an unacceptable situation that has now affected two pay periods for our employees and a building rental offer. The fact that someone was able to detail our last 3 transactions and the last 4 of my account number before I gave our username doesnt make me feel like my business information is secure with TD Bank. That on top of the lack of clarity, timeliness, support, communication, and compassion Ive experienced throughout this whole situation has been appalling. I caught the fraud the morning after it happened and handled everything Ive been told to do as timely as possible. It has been over 10 business days since I reported our funds missing and TD Bank has not made any effort to rectify our financial situation.
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, I received a text message on my mobile devise from an unknown source. I opened the message and there was encrypted information. However, no changes were seen in my cell phone or any of my accounts.. On XX/XX/2022, a total of {$1000.00} dollars was charged to checking accounts with TD Bank account ending in XXXX via a credit card ending in XXXX. On XX/XX/2022, a total of {$3000.00} dollars was charged to checking account with TD Bank account ending in XXXX via a credit card ending in XXXX. On XX/XX/2022, a total of {$4500.00} dollars was charged to checking account with TD Bank account ending in XXXX via a credit card ending in XXXX. On XX/XX/2022, a total of {$4200.00} dollars was charged to checking account with TD Bank account ending in XXXX via credit card ending in XXXX. All the transactions were paid to XXXX XXXX XXXX XXXX. These transactions were all international transactions and I was charged a total of {$380.00} dollars in fees. On XX/XX/2022, a total of {$4000.00} dollars was charged to checking account with TD Bank account ending in XXXX via credit card ending in XXXX. The transaction was charged to XXXX XXXX XXXX XXXX via the credit card.. TD also charged an international fee of {$120.00}. I filed several claims with TD Bank and the TD Bank denied all the claims. The funds were not reversed and my account remained in a negative standing for over 60 days. TD bank sent the information to a debt collector and closed my accounts.
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: IM CURRENTLY LOOKING INTO PURCHASING A HOME AND I CHECKED MY CREDIT REPORT AND NOTICED I WAS ADDED AS A AUTHORIZED USER ON A TD CREDIT CARD , I THEN CONTACTED TD CUSTOMER SERVICE AND STATED I HAD NO KNOWLEDGE OF BEING ADDED ONTO ANY TD CREDIT ACCOUNTS , THEY NOTIFIED ME TO GO TO MY TD BANK BRANCH TO BRING IDENTIFICATION TO VERIFY MYSELF I DID AND THEY STILL COULDNT PULL UP TD PROFILE FOR ME SO THEY THEN STATED I SHOULD SEND A LETTER ALONG WIT COPY OF MY LICENSE TO TD XXXX SERVICES IN COLUMBIA SC WHICH I DID AND I STILL HAVENT GOTTEN THE ACCOUNT REMOVED OFF MY XXXX OR XXXX CREDIT REPORT BELOW IS A IMAGE OF XXXX CERTIFIED FIRST CLASS MAIL TRACKING # AND RECIEPT FOR THE 2 TIMES I MAILED OFF THE INFO TO TD XXXX CARD SERVICES XXXX XXXX XXXX XXXX SC
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing this letter in response to the phone letter received from you on XX/XX/2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you, XXXX XXXX
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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: In accordance with fair credit reporting act. This creditor has violated my rights. under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account information without my written instructions. Under 15 USC 's 1666b a creditor may not treat a payment under an open consumer credit plan as late for any purpose. TD Bank Card Late Payment Reported on XX/XX/2020 XXXX
Company Response:
State: NY
Zip: 12533
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed using XXXX XXXX while trying to sell a couch. The couch was listed for {$1000.00} USD. The scammer messaged me on XXXX and said they were very interested in the couch and wanted to XXXX me for it as soon as possible. I sent the scammer my information in order to XXXX me and they sent me a fake screen shot showing she was zelling the money to me. While I was waiting for the {$1000.00} XXXX to reflect in my bank account I was then sent fake e-mails from the scammer posing as XXXX explaining that in order to receive the money I had to create a XXXX business account considering the funds were {$1000.00} and in order to do that I had to ask the last sender to send me {$800.00} and then I had to send the {$800.00} back and I would then get a lump sum of {$1800.00} USD deposited to my bank account once that was confirmed. I then realized I was getting scammed because I never received the {$1800.00} USD into my checking account. I immediately reached out to TD bank because my XXXX is through TD bank and explained the situation and they investigated it and then 10 business days later told me I could not be reimbursed because I authorized the transaction to the scammer. I lost {$800.00} of my own hard worked money because of a XXXX marketplace scam that allegedly happens often to people who use this application and still XXXX marketplace does not have any warnings on their website to warn users of the potential for scam.
Company Response:
State: NY
Zip: 11714
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After discovering this debt with TD Bank XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I got a Target credit card around 5 years ago. About 3 years ago I got a letter in the mail with a target master card. In the letter I was informed that my target credit card was closed and that they opened a master card for me. I did not and no not want the master card. Target make two hits on my credit, one for closing the credit card and one for opening the master card. I did not consent to closing the target card or opening the master card and I was not informed until after it had been done. This took a massive hit on my credit score.
Company Response:
State: PA
Zip: 17202
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late in XXXX of XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX XXXX, XXXX and XXXX of XXXX - never been late TD Bank/Target - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A