Date Received: 2022-08-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I found out about the fraudulent charges on my TD Business Solution Credit Card around XX/XX/XXXX and I immediately reported it to TD Card services. The fraudulent charges were all made through a series of XXXX XXXX transactions in the sum of {$12000.00}. The dispute claims remain unresolved as of today. I am currently in the process of applying for a mortgage and this unfortunate event has greatly damaged my chance of getting one. I need the fraudulent charges remove from my account as soon as possible to prevent it from further damaging my credit health.
Company Response:
State: NY
Zip: 11357
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently was awere that someone applied for a line of credit in my name, when I am absolutely sure I was not the one who applied to this line of credit. Installment Loan or XXXX Bank Account XXXX NORDSTROM/TD BANK USA got a copy of your XXXX Credit Report. XX/XX/2022 NORDSTROM/TD BANK USA recently checked your XXXX credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years.
Company Response:
State: WA
Zip: 98188
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/22 multiple XXXX store credit cards applications were processed in my SSN and my maiden name, which was not done by me, so it was fraudulent activity. All of the stores have been contacted and were supposed to mark the applications are fraudulent.
Company Response:
State: IN
Zip: 47240
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: A credit inquiry from XX/XX/2021 of attempting to open a credit card line with my bank will not remove the inquiry from my account.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Problem when making payments
Subissue:
Consumer Complaint: I purchased a new XXXX XXXX treadmill on XX/XX/XXXX, via the XXXX website for {$4400.00} ; it was delivered on XX/XX/XXXX. TD Bank was the lending company that financed the purchase through an installment plan. Within less than a year of normal use, the first treadmill literally snapped in half on both sides of the metal base frame with significant rust throughout. I filed a Consumer Product Safety Commission report, contacted XXXX for a replacement, and contacted TD bank. I continued to make payments diligently in spite of that. Consumer Product Safety Commission Report on Treadmill 1 : XXXX : XXXX? XXXX I received a new second XXXX XXXXXXXX in XXXX of XXXX. After only seven months, the treadmill experienced severe malfunctions such as stopping while I was running and lowering to its lowest possible state randomly without user input. Then, its base metal frame cracked in the same exact spots as well with similar rust. I reported this numerous times with photos and video to XXXX and TD Bank. I asked for a full refund from TD Bank due to the significance of the repeated safety hazard and XXXX 's non-responsiveness. Twice, TD bank has ruled in favor of the merchant even though acknowledging " defective merchandise, '' and TD Bank simply informed me to continue payments. No one from any supervisory level at either TD Bank or XXXX has contacted me ; in fact, no one from XXXX has reached out to me at all to ask about my personal safety, this obvious safety hazard, or to alert me to stop using the treadmill ( which obviously is inoperable ). Consumer Product Safety Commission Report on Treadmill 2 : XXXX : XXXX? XXXX On Wednesday, XX/XX/XXXX, the Consumer Product Safety Commission XXXX XXXX XXXX XXXX XXXX and Technician to my home to examine the treadmill. Both acknowledged immediately the significance of the safety hazard, the cracked frame, and the rust in the metal. They were obviously surprised that I hadn't received a full refund from TD Bank and no one from XXXX had reached out to me directly. Both clearly understood the larger consumer safety concern and that the treadmill posed a significant safety risk and was inoperable. While the case with the Consumer Product Safety Commission is ongoing, my request for a full refund from TD Bank has not been resolved. I can not understand a lending bank telling a customer ( who continued to pay in monthly installments in spite of all this! ) to resume payment on a treadmill that is clearly inoperable, deemed a significant safety hazard by the Consumer Product Safety Commission, and is the second such unit to experience the same issues within a year and a half. This is either gross negligence on TD Bank 's part or some type of collusion with XXXX to ensure continued payment in spite of me immediately alerting TD Bank ( the lender ) of these significant safety hazards. I have asked repeatedly to be referred to a TD Bank supervisor to no avail. I want a full refund. Please contact TD Bank and look into this matter.
Company Response:
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I went into the TD Bank Branch on XXXX XXXX XXXX, XXXX, NY XXXX, on Sunday, XX/XX/2022. I went in with 3 checks and {$1500.00} cash, Two checks were for my daughter 's account that is connected to mine and the other check was a personal check from my boss. There were two tellers working that day ( Since i did not get there names i will describe them : One was XXXX XXXXXXXX Women and the other was a XXXX XXXX XXXX Male. My teller was the male. I handed him everything and told him my daughter 's checks needed to be deposited into her account or TD will place a hold on it. I instructed him to put my work check in my primary checking account as well as the {$1500.00}. I Usually deposit my checks mobile deposit because I like to keep them for my records. I asked him for the checks back and he looked caught off guard and said " I can't give them back to you '' in a strange tone. I then said " OK well can you give me a copy i need them for my records '' He goes to make the copies and he takes such a long time. He keeps waling back and forth to different rooms. By that time my cab was outside so I just took the paper without looking at it. When i got home i noticed it didn't say my work check was pending. I thought it was strange but I just thought i had to wait since it was a Sunday. By the time my daughters checks came through a few days later. i realized something was wrong and i called the bank. I also checked the copy he gave me and it was only for the checks for my duaghters. I spoke with a women named XXXX who i assumed was the manager and she told me she did not want to request for video footage of our encounter before she spoke to him when he came to work the next day ( Wednesday ). She says that she will call me back Thursday. Thursday comes, no call. She calls Friday and says she's looked all over and can't find the check and that the teller said he doesn't remember. I then ask her what is she going to do to investigate a teller stealing. She says " Would it be possible for me to just ask my job for a new check. '' At this point I am upset and I tell her i would like to go above her she tells me i can call the manager and gave me a phone number,. which nobody answered. I have called TD Bank several times to mediate this and I was promised a regional manager would call me back. I have received no response. Check Amounts : My daughter checks were for {$560.00} & {$23.00} plus some cents. Missing Check : {$560.00}.
Company Response:
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2022 I called to request a credit limit increase for my Target store card. The person stated that they don't do manual reviews for increases, but could note on my account that I wanted an increase and I would be notified in 3+ months. On XX/XX/2022 I received an email stating that as of XX/XX/2022, my limit was increased to {$250.00} and was available to use. Despite this, my limit remained at {$200.00}. On XX/XX/2022 I called card services and was told the email was wrong and it would update after my next statement posted. My statement has posted and it still shows a {$200.00} limit.
Company Response:
State: WA
Zip: 98632
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I received a TD bank statement period XX/XX/2022 to XXXX XXXX with a stimulus check deposit of {$1400.00} on XXXX XXXX. I went to TD bank on XXXX XXXX in XXXX XXXX on XX/XX/2022. The information on the checking account was using my social security number, date of birth, and address. The initial bank account that I opened was a student savings account and not a checking account with a minium balance of {$20000.00}. TD bank contacted the fraud department today. It seems the stimulus check was written out to someone else and deposited into my account of mine that I thought was closed out years ago. Two checks were written off this account and deposited into a XXXX XXXX XXXX account at the end of XXXX and beginning of XXXX. Please rectifiy this situation
Company Response:
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Sunday XXXX XX/XX/21 I was robbed and the robber was able to access my bank accounts. He sent and spent aprox {$15000.00} - {$20000.00} from my bank account and tried to access other accounts with money in it. I have told the bank and change my passwords as best as I can. I was told I need to call back once the pending transactions go through. This issues was with TD Bank and they tried to access TD XXXX. I also have money in XXXX, empowerment retirement, principal, and XXXXXXXX XXXX.
Company Response:
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I sent a ceased and desist letter to TD Auto Finance, which was received on XX/XX/XXXX by certified mail. Since the TD Auto received the letter they have called and texted multiple times.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A