Date Received: 2022-09-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, TD BANK USA/TARGETCREDIT # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 usc 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 16 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Our business checking account was compromised from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX we set up XXXX XXXX with TD Bank. The bank reimbursed us in XX/XX/XXXX. There was one more attempt in XXXX, but again the bank reimbursed us right away. On XX/XX/XXXX I received a call from the XXXX XXXX branch in XXXX, that someone is trying to cash a check for {$28000.00}. An alert came up for them through their system and they called me. I instructed them to not cash the check and to arrest the person trying to deposit it, but the person has already left the building. A few hours later, the check was cashed at the XXXX XXXX location. The check didn't even have our business name on it, only the account number matched. I was told we will be reimbursed within 24 hours I have filed complaints with the DA 's office when we were originally compromised and I will update them on the latest development. However, I feel the bank is not doing their due diligence. I am paying for XXXX XXXX yet the bank keeps on cashing checks.
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/2022 I called TD Card services to inform them of suspected suspicious activity on my secured credit card account. I was told that my concerns would be taken care of and that I would receive a follow-up call from a banker. I did not receive a follow-up and I called TD Card Services again in XX/XX/2022 to reiterate my concerns. During this second conversation, I was told that the window to review fraudulent activity on the account had passed and that I could not file a complaint. I explained to the supervisor that I initially spoke with a representative in XX/XX/2022. I informed the supervisor that my card was lost/ stolen and that I could not access my online banking portal in addition to being unhappy that I could no longer have my issues resolved. I was told to enter a branch to have my needs rectified. I informed TD Card services that I was unhappy with the service as I felt my consumer rights were violated. TD Bank did not investigate the fraudulent charges, and I could not enter into my online portal to monitor the account or auto-pay the account. Even after voicing my concerns they made no effort to help me access the online portal or receive a new card. I have been charged numerous fees and interest on the card even though I have not used the card in over 6 months due to the card being lost/ stolen and security concerns. TD Card Services has since closed the account and have refused to remove late payments caused by my inability to access the account, and major concerns surrounding the security of the card. This experience has negatively affected my ability to buy a house for my family.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: {$8500.00} payment made on XX/XX/XXXX, balance reduced but avaliable credit went to {$0.00} and has stayed. Contacted TD multiple times regarding when it was updated and have been told they can't tell when it will be updated. The payment cleared my bank on XX/XX/XXXX. At this point I am not sure what is going on.
Company Response:
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being XXXX and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this 30day late removed as it is hindering me from the purchase of a business. I am hopeful Target will reconsider its position, because I can't see myself doing any more business with them otherwise.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Target sent an authorization {$44.00} ACH to my XXXX XXXX XXXXXXXX back in XX/XX/2022 to my account from their system without my permission I never submitted the approval it was done automatically without consent through their system. I have disputed the {$44.00} ACH directly with Target with no resolution and then I submitted a complaint with the bank as well.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a deposit of {$6400.00} from XXXX XXXX into my TD Business Bank account ending in XXXX, at the time the account was in a negative balance of {$680.00}, I notified the bank I paid off the negative balance when the deposit entered the account on XX/XX/2022. I notified the bank I was currently on vacation in XXXX XXXX and I would need the remaining balance immediately, while doing so TD Advised me I would need to wait for 24-48 before I would be able to pick up the remaining balance from a TD Bank Branch located in XXXX XXXX XXXX XXXX As of today XX/XX/2022, that time period has lapsed, I am now being told I can not receive the remaining balance until after XX/XX/2022 doing so would put me in serious financial and personal situations which I told TD Bank repetitively XXXX I really need my money as soon as possible which is why I have XXXX direct deposit the {$6400.00} into my TD Bank account so I can use the money immediately. As of XX/XX/2022, I have had to sleep in my car without gas, no food, no way to purchase a flight or purchase my XXXX XXXX Every time I contact TD Bank I am told I must wait for another 24-48 hours and another and another. There is currently no solution to this issue.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: Purchased merchandise through a company. Received an invoice from them. Went to the TD Bank to do a wire transfer. this happened on XX/XX/2022. Did not receive my merchandise, apparently this Company is Fraud. The Main office is located in XXXX XXXX XXXXXXXX, NY and the instructions I received was to transfer the money to a Bank in XXXX called XXXX BANK. Did not receive my merchandise. Went to the Bank filed a complaint on XX/XX/2022. It usually takes time to make a XXXX XXXX XXXX for a XXXX, that's why it took some time for me to go and file a complaint. The company was in touch with me throughout the entire time and confirmed that the funds were received and merchandise is being shipped ( never shipped ). I tried to reach out XXXX times and there was no answer. Called TD BANK a million times, they said case closed because XXXX BANK did not answer their calls ( hardly believe that ). The amount wired was {$11000.00} ( not a small amount ). I have to take a loss of XXXX and I have to deliver the merchandise to my customer that has paid for the transaction. Please help me retrieve my funds. I am a small business trying to make ends meet during this difficult time. Also visited the branch numerous times and was told that they cant help me w International wires and I am not insured nor am I protected in any way at all. Its hard to believe that the Bank that I bank with for many years can't help me!! My Company name is : XXXX XXXX XXXX Located : XXXX XXXX XXXX XXXX, XXXX, NY XXXX - Tel # XXXX
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: TD bank is holding on to my {$2400.00} for no logical reasons I could understand and not crediting it back to my account. On XXXX, a paper check # XXXX for {$2400.00} and e-check # XXXX for {$2400.00} was debited from my account. On XXXX, same checks again were used to debit money from my account of which {$2400.00} from e-check # XXXX was returned but another {$2400.00} from # XXXX is not returned until now for 24 days. I have spoken to more than 10 customer care reps and their numerous escalations for hours and hours of my time as well as the assistant branch manager and it is still not resolved. On top of it, they are all so rude when I am dealing with loss of my hard earned money. I just need my money back from this bank and be done with them forever.
Company Response:
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Someone is fraudulently trying to open a XXXX and a Nordstrom credit account under my name. Nordstrom account shows under XXXX and needs " more '' information to be opened. It is not me. Need to report fraud.
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A