Date Received: 2022-08-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XXXX, Target Credit changed my account from a regular store account to a regular Target MasterCard. I had this Target account for many years and had excellent credit. I made payments on this new card by phone just as I had always done with my old Target account. The automated would say my payment had been received. But when I would call to make the next payment the automated would say that I had skipped a payment or was late on a payment. This was very confusing as I always pay my bills and my XXXX score XXXX at that time. By the time I finally was able to get to the bottom of this my XXXX plunged to XXXX. They dropped my {$4000.00} credit limit to only {$1000.00} and that caused my score to drop so drastically. Evidently, my bank account number had been transposed in the transition from Target Store Card to Target MasterCard. After making a telephone payment with a representative, I asked the Target representative I spoke to on the phone to let me speak to a Supervisor. He said " there is no Supervisor to talk to. '' I even tried other Target telephone numbers to try to talk to someone else. I felt that my excellent payment history with Target should count for something. I do not believe this should have happened.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In early 2019, I submitted an application for a checking with TD Bank account via my phone. Between having a poor Wi-Fi connection, and accidentally pressing the back button a few times, my application was submitted multiple times and my account was flagged. This was a good faith mistake but has prevented me from opening other accounts without difficult in-branch identity verification. Multiple requests have been sent to both the reporting agency, XXXX XXXX XXXX, and to the bank. They have given me the runaround.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was the victim of a scam and I was asked to send money via a wire transfer. I used TD Bank on XX/XX/XXXX in the amount of {$1500.00} and then on XX/XX/XXXX for the amount of {$5500.00}. As soon as I realized what happened I returned to the bank where I was told that there is nothing they can do to help me stop the transfers.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I contacted XXXX XXXX services and asked them, in writing, to close my account. They refused without a chat with customer service in a retention effort. I want it closed now.
Company Response:
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
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/2022 my email and phone were hacked and my credit card was compromised. I promptly changed my contact email and phone number with the credit card account online. No response was obtained from the company ( TD Card services ) till I received a letter 4 days later stating they had frozen the account for suspicious activity. Several attempts from XX/XX/XXXX through XX/XX/XXXX with XXXX department of TD Card services resulted in the following responses from them : XXXX. Unable to verify your number, go to branch. XXXX. When I indicate that there are no branches in my state or neighboring states, they responded to fax verification documents. XXXX. Every customer service rep ( XXXX ) I spoke to over several days had differing information about acceptable ID. XXXX. Even after sending ( and verifying receipt ) of the documents on XX/XX/XXXX, they did not respond ( despite stating XXXX hours business day response ). XXXX. On XX/XX/XXXX, I reached out to TD Card services, and they stated they had received the documents but had not reviewed/escalated and stated they would right away and to call back. XXXX. On XX/XX/XXXX, I called back and the rep first stated : I should go to a branch ( see # XXXX ), then I need to send documents ( see # XXXX ), and then " escalated '' to a manager, who apparently said they would review the documents and to call in XXXX business days again ( see # XXXX and # XXXX ) .Also, the rep declined to give me a case number and asked me to call back. Note : every call to them results in hold times of : XXXX mins, XXXX min, XXXX hour XXXX min. As a result, almost XXXX weeks into my compromised card, TD Card services has neither reviewed my case, or my documents, keeping on pushing out the resolution. I am unable to access my account, confirm if fraudulent charges exist or not, nor have replacement cards sent. TD Card services has not done anything along the way either.
Company Response:
State: MI
Zip: 49024
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: -On XX/XX/22 I was sitting at home when I received an email from XXXX ( point of sale system ) with an automated receipt for a purchase just made using my debit card. Since I knew I did not make this purchase, I logged onto my TD Bank account to confirm whether or not there had been a fraudlent charge made using my card. Once I logged in, I saw XXXX charges that I was completely sure I did not make, as I had not even left my neighborhood in the past week, and certainly had not visited the vendors at which charges were made. I next looked for my debit card, which was missing, as was my drivers license. - I called TDBank and filed a fraud claim, as well as closed the card out. The charges totaled {$200.00}. These are the charges 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX {$8.00} 3- XXXX XXXX XXXX XXXX {$10.00} 4- XXXX XXXX XXXX {$140.00} 5- XXXX XXXX XXXX XXXX 6- XXXX XXXX {$11.00} 7- XXXX XXXX XXXX {$20.00} - TD Bank issued provisional credit to my account XXXX XX/XX/22 in the full amount of {$200.00} - On XX/XX/22, TD Bank reversed the credit to my account because they had denied my claim, stating " no aggressive usage or depletion of account ''. I called TD bank to receive the documents used to make such a determination and to seek closing my account, as I was told I was protected against fraud and clearly I was not. I was then advised to re-issue my claim first, so I did. Again, provisional credit was issued. - On XX/XX/22, TD bank alerted me that the provisional charges would be reversed and my claim was again denied, now stating the reason " card was not utilized after you notified us to close the card ''. - On XX/XX/22, I visited my local TD Bank in XXXX XXXX, XXXX to request to close my account because of the lack of financial protection. I also never received the documentation from the investigation I had requested. I was advised by a bank associate that I should file a police report first and file a third fraud claim with TD Bank. I did this but no provisional credit was issued, and no confirmation of the third claim has been issued. - On XX/XX/22 I filed a police report for the fraudulent claims at my local precinct. As instructed by the TD associate, I faxed the police incident report slip over to their fraud claims department. I then called TD to let them know I had done so. I inquired about the documentation request I had made, only to find out there was no evidence that one had ever been submitted. So I again requested documentation. There has been no response from TDBank as of today XX/XX/22.
Company Response:
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: NOTE : regarding case XXXX to which TD responded : " We connected with you directly regarding your complaint, and you advised that you did not submit this complaint to the Consumer Financial Protection Bureau and thanked us for reaching out to you '' -- I was confused as to what the CFPB was and was mistaken that I did not authorize the complaint. I had. So, I am refiling the complaint again. On XX/XX/2022 I, XXXX XXXX, a XXXX senior, went into the TD Bank branch on XXXX XXXX XXXX in XXXX, FL and deposited cashier 's checks from my own accounts at XXXX for {$220000.00} and {$10000.00}. At the same time, I then wired {$230000.00} to scammers through XXXXXXXX XXXX in CA. I was somehow convinced by the scammers that I needed to wire her life savings to them. I tried from my first bank, XXXX, and they blocked it. But then the scammers convinced me to move my money to my other bank ( TD ) and wire it from there. My son, XXXX XXXX, spoke to the teller who " helped '' me at TD Bank and asked ( XXXX XXXX XXXX, my son, TD = XXXX, the teller at TD ) : XXXX : So now, my questions to you are : So what questions did you ask my mother before you transfer this money? TD : What questions I asked her? Who was the beneficiary? What was the purpose behind doing the transfer? XXXX : Well, what were her answers? TD : All the information is on the wire transfer, I can bring it up. XXXX : That would be great, could you do that? TD : Okay, so she's [ trading? ] to a XXXX XXXX XXXX XXXXXXXX : Right. And then you... So all you asked her is where she sent it to which is XXXX XXXX, which obviously she brought to you in the first place - we've established that. And what else did you ask her? TD : How much she wanted to send. XXXX : Okay. Anything else? TD : Not off the top of my head. ... XXXX XXXX You didn't ask her if someone was telling her to do this? TD : No. ... XXXX : The other question too, is that she brought cashiers checks in from XXXX XXXX XXXX, deposited them in the account and then immediately wired it out. Did you ask her why she didn't transfer it from XXXX XXXX XXXX, why she brought it to TD? TD : I did not. XXXX : That didn't raise any alarm bells for you that she brought it from XXXX XXXX XXXX to TD and immediately wired it out? TD : It did not. This is the problem. The bank should have known about these scams and should have asked questions about what was going on. This should have readied red flags immediately. Any easy question would have been, " Why didn't you just wire the money from the other bank, instead of bringing it here to wire? '' Or : " Did someone tell you not to talk about why you are transferring this money? '' Once realizing I had been scammed, I called TD 's XXXX customer service and was told I had to go into my local branch, as the XXXX service reps told me that they would not assist me. However, since this was a Saturday ( the Saturday following the transfer ), the branch would only open on Monday morning. This prevented any potential actions from being taken by TD that could have recalled the wire transfer in a timely fashion. At the branch over the next few days, I spoke with the manager XXXX, and tried to allow my son to have access to this situation with the bank, however, TD actively denied my son from assisting. They wanted him to go into a TD branch to verify himself, however since he lives in CA, this was not possible. He even provided a power of attorney form to them, with myself verifying it was valid, however again, XXXX rejected it. XXXX then said she would look into other possibilities of how to get my son on the account/investigation, but never followed up or provided any further information. These actions are inexcusable on the part of the bank : not asking the appropriate questions to XXXX senior before the transfer not blocking the transfer not providing assistance when calling the XXXX number requiring us to wait 2 additional days to get help by waiting until the branch was open the manager of the branch denying allowing my son to assist and rejecting the power of attorney the manager of the branch not following up ( with repeating requests to do so ) Please help hold the bank accountable for their actions and non-actions in this situation. As per guidance on your site, they are supposed to be asking seniors questions about wire transfers and money movements like this. I am happy to provide more information, etc. My son also happens to have a recording of the conversation with the local bank branch teller in which he admits he did nothing in terms of vetting the translation as required. Note that a police report was filed with the XXXX XXXX XXXX, case # XXXX and Det. XXXX is assigned to the case ( XXXX ). I have attached the original wire transfer forms as provided by TD, as well as the fraud form completed at TD once they allowed me to file it in their branch. Thank you.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This complaint is related to complaint number XXXX with your agency. I am requesting every single banking fee refunded to my account from TD Bank with interest at the usury rate.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XXXX, TD Bank debited {$250.00} from my newly opened ( XXXX ) checking account ending in # XXXX. TD indicated a line item, " DEBIT, XXXX Claim XXXX. '' TD Bank will not provide additional information about this debit to me. This issue may stem from the initial account opening on XXXX when TD Bank, rather than showing my initial {$500.00} deposit as pending under my actual account number XXXX, placed my initial {$500.00} deposit from XXXX XXXX into an account ending in XXXX. I contacted TD Bank and XXXX XXXX about this issue and XXXX investigated it as possible fraud. Three days later, my initial deposit showed up in my TD account ending in XXXX. TD Bank ( XXXX XXXX ) said that the " Fraud Claim '' is the reason that TD took {$250.00} from my account XXXX on XXXX and closed my checking account, but XXXX XXXX closed their fraud investigation on XXXX. In addition to the {$250.00} that TD Bank debited from my checking account XXXX for a " Fraud Claim '' that had been closed for two weeks, the unilateral decision by TD Bank to close my Checking Account also cost me the {$300.00} bonus that TD Bank offered for opening a new checking account. XXXX will not provide any information to me about what happened to the {$250.00} because " XXXX has a relationship with TD Bank, not with me. '' To me, this money is simply gone. I have had numerous communications with TD Bank representatives who can not explain what, or why, TD Bank did other than send {$250.00} to " XXXX XXXX '' ( XXXX XXXX ). The money has not been returned to XXXX XXXX. TD Bank is withholding this {$250.00} and I have not been made whole. Please advise. Thank you in advance for your kind assistance.
Company Response:
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: They are applying 6 business day hold to deposits. These holds are causing overdraft charges
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A