Date Received: 2022-09-08
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 am writing to dispute the charge of {$2000.00} that continues to show on my XXXX account as the appliances were not delivered. On XX/XX/2022, an online order was placed for a washer/dryer pair and paid using the XXXX financing account. The delivery company XXXX indicated the order was being delivered to XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX. As the delivery address was incorrect, the order was cancelled. Delivery did not take place. XXXXXXXX XXXX card is issued by TD Bank N.A. and TD Bank has refused to credit my account {$2000.00} despite the fact that the order was cancelled and appliances never received. Thank you for your prompt attention.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: target store card opened and closed with {$300.00} credit limit. Account is showing up on account.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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/XXXX, the company I worked for used my personal credit card to make purchases from XXXX and XXXX instead of my business credit card, unintentionally. When I first noticed the charges on my personal card I reported them as fraud, not realizing what had happened. Once I realized the error, both companies were paid with the correct company credit card. I contacted TD Card Services to tell them that the charges weren't fraudulent, but still made in error. Rather than continue my dispute of the charges they closed the dispute and put the charges back onto my personal credit card. For months I called to inquire about the credit being placed back on my card. On XX/XX/XXXX, per TD Card Service 's request, I faxed them the receipts from each company that clearly show that my personal card was charged, then returned to my personal card and paid with the company credit card - yet still the credits were not put back onto my account. Recently, they told me there was nothing they could do and to contact the merchants for a refund. In doing so, both merchants told me that they accepted the chargebacks in XXXX of XXXX and that my credit card would have to return the funds since they no longer had them. I provided this information to TD Card Services and continue to call them regularly - each time I get a different response. Some say they can see in their system where the chargebacks were accepted by the merchants and that I am due credit, promising escalation of my dispute to supervisors. Some tell me that they can not help me because my dispute was closed. Since this all began in XXXX of XXXX, I have been paying interest on the {$4700.00} that was charged to my card as well as over limit fees. Again, some calls to TD Card the representatives assured me all of these would be refunded, some have said that after the dispute is resolved I can request those be refunded from customer service, and some telling me there is nothing they can do.
Company Response:
State: OH
Zip: 44004
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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 XX/XX/XXXX I purchased a treadmill through XXXX. However after 3 failed delivery attempts I decided to cancel the order in XX/XX/XXXX. I never received the treadmill/had it in my possession. XXXX failed to notify TD BANK that this occurred, as a result I have a balance due and have been reported to the credit bureau. This is affecting my credit score negatively, hindering me from purchasing a car that I so desperately need at the moment ( I recently totaled my car with my newborn ). I filed a dispute the first week of XX/XX/XXXX with all 3 credit bureaus. TD Bank recently submitted their conclusion after their investigation, they are still reporting that I have a balance due. TD Bank failed to notify me of this balance, nor have they corresponded with me during this dispute. They claim they've emailed me, yet each time I call they said I opted out of email, or maybe its an I.T problem. Ive been in contact with XXXX. They claim they have processed a credit back to TD Bank since XX/XX/XXXX and TD Bank should have it. TD Bank says they don't see anything from XXXX. I have spoken to both companies everyday for the last few weeks and it seems they are not communicating in order to rectify the problem. TD Bank also falsely claimed that I reported this as fraud. I immediately emailed their fraud dept, resolutions team and have gotten no reply.
Company Response:
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 @ XXXX my mobile phone access to all apps, calls, emails, etc was disabled and it took 90 minutes with XXXX to get everything re-activated. At this point, I was advised that my online TD Bank password was changed, so I immediately called the Fraud Department at TD who froze my accounts. In this window of inaccessibility, it turns out I was the victim of identity theft and that the person who accessed my account had tried to remove funds from my checking account through XXXX ( three separate transactions - {$2500.00}, {$1000.00}, {$1000.00} to an unknown person ) and pay transfers at a Jewelry store in the XXXX, NY XXXX XXXX XXXX XXXX XXXX - {$500.00}, {$500.00}, {$2000.00} ). TD theft protection software blocked 5 of the 6 attempts, however the {$2000.00} pay transfer was pulled from my account. The next morning, I went into my local TD Bank and canceled all my accounts and re-opened new ones. The TD representatives advised that they would submit the claim for the {$2000.00} reimbursement with TD corporate and I should see my account credited within 7-10 days. TD corporate transferred my request to XXXX who operates the debit cards for TD and rejected my claim as they assume I physically used my debit card to complete this transaction, which of course was not the case. I have since returned and worked with the local TD representative in the bank to re-submit my claim two other times and was rejected each time. The local representative has provided a detailed explanation each time, however, I am still unable to get my account credited with the funds that were stolen. My identify protection agency, XXXX, advised that I submit this to you for your help. Thank you and best regards, XXXX
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: I sent by mistake {$4000.00} from the XXXX XXXX bank to a TDBank closed account The money went to TDBank and was not returned yet to my XXXX XXXX account. XXXX XXXX tells me that they can not ask for the money back and TDBank tell me that they can not find anything. What XXXX i do?
Company Response:
State: CA
Zip: 95135
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have tried to closed my account for over 1 month and TD Bank has put a hold on my account and says that I put the hold on my account which is a lie. They have charged my account several NSF fees because of this " HOLD '' and I have no recourse to handle the NSF fees etc.
Company Response:
State: NC
Zip: 27312
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/22 I was under the impression I was in the process of purchasing a XXXX XXXX puppy from XXXX XXXX on the website XXXX XXXX XXXX phone number is XXXX the email is XXXX We had talked over email and I was sent a bill of sale to look over and fill out and sign. After looking that over I was instructed to send XXXX payments of {$350.00} dollars through XXXX. I use TD bank that offers XXXX on the mobile app. After sending the money on XXXX through my TD app I was then instructed to continue sending money to the travel company for unrealistic reasons that website is XXXX After that I was fully convinced it was a scam. I then called my bank right away to inform them I was scammed. They told me to wait until the charges went through my account and were not pending anymore. The next morning ( XX/XX/22 ) I called and filled a fraud/scam claim on the XXXX charges. Today ( XX/XX/22 ) I called to check on the claim and they informed me it was denied. I was scammed.
Company Response:
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I got a bank statement in the mail recently for the statement. XX/XX/2022 through XX/XX/2022. I never opened up an account with this bank but it has my name and address on the account. I called TD Bank and they connected me with their fraud line and I spoke to the lady she told me that she was gon na put a lock on the account and do what she had to do to close the account on her end and recommended I do this.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ccordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 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: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A