Date Received: 2022-09-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD BANK Credit Card XXXX ending in XXXX XX/XX/XXXX Last payment made, {$0.00} XXXX XX/XX/XXXX letter received about an updated address XXXX XXXX XXXX XXXX, XXXX, GA XXXX. This was reported as FRAUD to TD Bank and that an update was not requested. Also requested to close the account. Credit Report was requested later in the year and a record from XX/XX/XXXX showed {$1400.00} is charged off in XX/XX/XXXX. Reported this to TD BANK as fraud and requested it be investigated and cleared asap. Emailed and spoke to reps again in XXXX bringing attention to this matter to be investigated and cleared. XX/XX/XXXX called and spoke to 20 different reps and departments so far. Need this investigated and cleared from records!!!!!! Its XXXX!
Company Response:
State: CA
Zip: 92844
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: TD sold me an overdraft protection as service with a promise that when I link the account the fee will be only {$3.00} for each transaction. However, I noticed that TD have of late been charging my accounts excess transfer fees, overdraft fees of {$35.00} per transaction plus {$3.00} per one transaction. I need refunds for the fees charged to my accounts as they violate the contract agreed upon in the overdraft protection plan or program. The bank has breached the contract that they forced me to agree to, but they do not abide by or follow. I was scammed.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with a Fair credit reporting act [ NORDSTM/TD ACCOUNT # XXXX has violated my rights. THIS HAPPENED IN THE MONTHS OF XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX, XXXX - XXXX OF XXXX. Under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a call from XXXX on Tuesday XX/XX/2022 at XXXX XXXX Arizona time, they told me I was in collections with TD Bank USA, N.A which is my Target Red Card. I had not received any notice in the mail and I wasn't sure who this XXXX is. I have mental illness and this was causing me distress. They said I needed to make a payment. I said that I would like to settle. The lady said let me check. She said I could settle for {$290.00} I told her I could only afford {$170.00}. I said that I was going to be going bankrupt soon but was trying to settle as many of my debits as possible before that. I gave her a credit card and it was my understanding that I would settle for {$170.00}. I now find out that I was just making a payment. I called back and told my that I have special needs and that I have mental illness and that I was taken advantage of. They said I was never offered a settlement. I then pressed and they said yes the lady did say {$290.00} but that I was not allowed to do that. I feel taken so I requested to talk with supervisor and I got the same lies and that I was never approved for a settlement. Please help me if you can. I thank you. I called Target Red card and they said it was a payment not a settlement. So I closed the account. They took advantage of a person with special needs.
Company Response:
State: AZ
Zip: 85711
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2022 I received in the mail a statement from TD Bank in reference to " TD Convenience Checking '' on account activity and closing of account. The account summary of account balance of {$3200.00} which included two deposit of {$2800.00} ( IRS Deposit ) and beginning balance {$400.00}. Account was closed on XX/XX/2022 with zero balance. This account was never opened by underwriter - never did business with TD Bank. The Statement was the first notice I receive that an account was opened. I spoke to " XXXX '' from TD Bank Fraud Department - internal investigation will proceed with any information I can help upon request.
Company Response:
State: FL
Zip: 34491
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: These items where listed inside of a bankruptcy thats shouldnt still be coming up .on my credit report .Its against the law for these things to show up on my credit
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
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: TD bank reported a balance on my card to the credit bureaus even before the transaction was completed. The transaction in question never completed however since TD bank reported to the bureaus in haste, it hit by credit score by XXXX points. I was at XXXX credit score whihc took years to acheive. Not only that they did not wait 30 days for statement to generate to report balance to the credit bureas whihc is the startdard practice. Their negligence in reporting has adversely effected my score and I would like TD to resolve this
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Re : acct # XXXX XXXX XXXX XXXX XXXX XXXXTD bank, Bank address XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX XXXX I have been a victim of card cloning and TD bank is further victimizing me by ignoring my disputes. MULTIPLE charges were made at a gas station in Florida, amounts over XXXX each, I have disputed these multiple times and TD bank is ignoring me. At the time of these charges I was in XXXX having a surgical procedure and stayed at XXXX different hotels ( copies attached and further copies will be provided IF required to prove I was not in Florida pumping gas ). In addition the charges were reported AT a branch in XXXX, IN PERSON and a new card was issued to me after the disputes were submitted in person at the Branch location. The day I noticed the fraud, I went to a local TD bank Branch location in PERSON in XXXX and submitted the disputes there. I know my first and last name are of XXXX XXXX origin and this automatically has caused TD bank to toss over my dispute. I DID NOT go to Florida, I did not make those charges and If I am being accused of lying, then I am requesting a video surveillance of the gas station image of the person who pumped gas and visited the gas station in Florida. I am being discriminated and victimized by TD bank and this matter is causing pain and distress and undeserved financial hardship. My contact info ( XXXX ) XXXX
Company Response:
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: TD Auto Finance accepted my Bill of Exchange tender payment on XX/XX/2022 and sent a congratulatory letter post dated for the XXXX stating my account was paid in full. Then I received a letter on XX/XX/2022 with no post date but dated XX/XX/2022 claiming that I submitted a tender fraud instrument. These words were abusive, deceptive, obscene and profane language in addition to harassing me with phone calls twice a day. One day I was happy and celebrating and now I am sad and being caused undue stress.
Company Response:
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I purchased tickets to a XXXX XXXX concert from a user on XXXX ( username is @ XXXX ). They initially sent me a screenshot of official tickets/seating chart but not the actual tickets. After conversing, we agreed on me sending an initial {$50.00} deposit to secure the tickets and then send the remaining {$490.00}, since the 2 tickets came to {$540.00} in total. This XXXX user ( who went by XXXX but was listed on XXXX as XXXX XXXX XXXX, continuously asked me to send proof of instant payment however she would not send the tickets to me. She made every excuse, including creating a fake letter from XXXX saying that the only way tickets can be distributed to me is if I sent another {$200.00}, which is completely false since ticket transfers are free. I then realized I was scammed. Once I told the XXXX user that my bank will be getting involved and for her to at least send my money back, she then blocked me on XXXX and essentially took my money. On XX/XX/XXXX, I went to my local TD bank branch and opened a dispute case regarding the scam. I also filed a police report on XX/XX/XXXX. Because the bank denied my dispute request, I refiled my claim on XX/XX/XXXX and sent the police report. Although I voluntarily sent payment to this user via XXXX, I still believe this is fraud due to the misleading information and one-sided transaction. ( I attached the police report as well as our conversation via XXXX direct message )
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A