Date Received: 2022-08-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: BEING XXXX PARTNERED WITH TD BANKS THEY BOTH ARE IN VIOLATION OF THE POLICY THEY HAVE ERRORS ON MY ACCOUNT WHERE THEY HAVE CREATED CHARGEBACKS ON MY ACCOUNT WITHOUT MY PERMISSION .AND THEY NEED TO CORRECT THAT AND GIVE PROGRESSION THEIR MONEY BACK BECASUSE THEY WILL NOT ALLOW ME TO SPEAK TO ANYONE AND I DONT KNOW WHAT TO DO... I WAS TOLD TO GO TO MY LOCAL BANK BUY A RUDE XXXX XXXXXXXX XXXX VICE PRESIDENT STORE MANAGER TOLD ME THAT I HAD NO BUSINESS IN THIS BANK AND I NEEDED TO GO TO THE BANK IN XXXX WHEN I AM CLOSER TO THE BANK DOWNTOWN XXXX, S C AND HE WANTED ME TO DRIVE 20 MILES OUT OF MY WAY, BECAUSE THE REPS IN XXXXXXXX XXXX I HAD SPOKEN WITH NAME XXXX XXXX TOLD HIM THAT I WAS GOING TO THAT ONE BECASUE I HAD NO GAS BECAUSE TD BANKS HAS ALLOWED XXXX TO BE STOLEN FROM MY ACCOUNT AND HAS NOT GAVE ME NOT 1 PROVISIONAL CREDIT AND I FEEL I AM BEING BULLIED BY A BANK AND A CREDIT CARD COMPANTY, HE SAW THAT I WAS A XXXX MALE AND RACIALLY PROFILED ME JUST AS EACH ONE OF THE BANKS HAVE DONE IN XXXX SC WITH NO MORE THAN 2 XXXX BANKERS XXXX AT THE 4 BANKS I HAVE VISITED IS SAD THAT TD BANKS WOULD ALLOW SUCH A THING TO HAPPEN ... .OR BECAUSE THE XXXX BANKER NOTIFIED HIM HOW I LOOK AND HE WAS PREPARED TO MAKE SUFFER BECAUSE OF AN ISSUE WHERE TD BANKS GAVE A CUSTOMER ALL MY INFO ON XX/XX/XXXX AND NOT SURE HOW MANY TIMES BEFORE THAT THEY HAD SPOKEN TO A CUSTOMER ABOUT MY ACCOUNT ANDI HAVE PROOF IF SOMEONE CAN JUST LISTEN TO THE CALL ON XX/XX/XXXX WHEN I CALLED AND REP TOLDME THAT THEY HAD JUST SPOKEN WITH ME 3 TIMES PRIOR TO ME CALLING BUT I DIDNT CALL NOT 1 TIME THAT DAY UNTIL THIS FRAUD CHECKS SHOWED UP ON MY ACCOUNT ..YET XXXX OFFERS XXXX LIABLILITY POLCY BUT TD BANKS IS THERE TO UNOFFER AN VIOLATE THE TERMS OF THE POLICY AND XXXX IS THERE TO ACT LIKE THEY ARE THEY ANGELS BUT THEY TEAMED UP WITH A BANK THAT DOESNT FOLLOW POLICY SO THEY ARE STILL NOT FOLLOWING POLICY AND THEY NEED TO BE FINED ALL OF THE ISSUES THEY HAVE CAUSED CUSTOMERS SUCH AS MYSELF BY NOT GIVING THE PRVISIONAL CREDIT THEY ARE SUPPSOED TO GIVE NOR WHICH IS NOT FOLLOWING POLCY CAUSENG CUSTOMERS SUCH AS MY SELF TO GO BANKRUPT WITHING A SHORT AMOUT OF TIME THEY ARE USING T ALLOWED, AND THAT XXXX HAD REPEATED EVERYTHING I TOLD THEM AND HE WAS NOT HAPPY ABOUT A XXXX MALE WALKING INTO OUR DOWNTOWN BANK TO CORRECT A SITUATION, THE CUSTOMER SERVICE DEPT SAID THAT WAS THE ONLY WAY THEY COULD ALLOW ME TO CALL AND GET INFO OUT OF MY ACCOUNT WAS FROM ME GOING TO A BANK TO GET VERFIICATION YET THIS VICE PRESIDENT REFUSED TO SERVICE ME AS IF IT WAS SEPARATE WATER FOUNTAINS ONE FOR XXXX AND ONE FOR XXXX AND ITS SAD THAT TD BANKS WOULD ALLOW A MAN LIKE THIS TO BE INVOLVED WITH A BANK THAT IS ASSISTED BY XXXX, WHICH XXXX OFFERS A XXXX LIABILITY POLICY WHICH IS SUPPOSED ALLOW CUSTOMERS NOT TO BE RESPONSIBLE FOR UNAUTHORIZED CHARGES BUT WHEN YOU HAVE BULLIES LIKE XXXX XXXX WHO WANT EVEN ALLOW A CUSTOMER TO VERIFY HIMSELF TO SPEAK TO A CUSTOMER SERVICE ABOUT MONEY THAT WAS STOLEN FROM HIM WHICH IS CAUSING ME TO LOSE MY FAMILY HOUSE AND CAR, TD BANKS HAS NOT ALLOWED ME NOT ONE PROVISIONAL CREDIT NOR HAVE THEY EVEN LOOKED AT CAMERA FOOTAGE AFTER A INCIDENT REPORT WAS MADE AND THEIR EXCUSE WAS BECAUSE SOMEONE KNEW THE PIN NUMBER WHICH WAS MY BIRTHDAY AND I HAVE BEEN USING ALL MY LIFE JUST LIKE EVERYONE ELSE THAT GREW UP AND HAD A MOTHER AND YOU HAVE SOCIAL MEDIA GIVE OUT YOUR BIRTHDAY AND MANY MORE NOT UNTIL XXXX WOKE ME UP FROM USING BIRTDAYS AS PINS CAUSE THEY DONT ALLOW IT OR IT COULD HAVE BEEN ON XX/XX/XXXX WHEN TD BANKS TOLD ME THEY GAVE A CUSTOMER ALL MY INFO WHOM THEY THOUGHT WAS ME 3 TIMES IN A ROW, AND IT CAN BE HEARD ON THEIR RECORDED LINE, AND BEING MY CARD AND WALLET WAS STOLEN AN THEY POSTED THESE MOBILE DEPOSITS THEY COUDL TRACK IP ADDRESS AND FIND OUT WHAT THEY NEED BUT THEY DENIED ME WITHOUT GOING THROUGH THE NECESSARY ROUTES THEY WERE SUPPOSED TO TAKE INSTEAD THEY DENY ME AND USE AN EXCUSE BECASUE THEY KNEW THE PIN YET HACKERS HAVE ALL KINDS OF WAYS OF GETTING INFORMATION FROM A CUSTOMER OR BUSINESS, BUT MY GUESS WAS THEM JUST NOT VERIFING MY INFO AND GIVING THE SOMEONE ALL MY INFO BECASUE IF A REP TOLD ME I HAD JUST CALLED 3 TIMES BEFORE AND I TELL HER THAT WAS NOT ME AND THEY IGNORE I CAN IMAGINE HOW MANY TIMES THEY HAVE DONE IT BEFOR E AND THEY GAVE THEM ALL MY INFO SUCCESSUFLLY... .THOSE BANKERS NEED TO BE DEMOTED FOR THEIR ASSITANCE IN PREVENTING ME FRO GETTING ATLEAST PROVIOSIONAL CREDIT... THEY ARE OVER 20 SOMETHIGN DAYS AND THEY HAVE THEM BOTH OPEN AND THAT IS NOT RIGHT
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
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: XX/XX/2022 - called reported a charge I did not recognize XX/XX/2022- the same company charged again at a higher amount ( {$450.00} ). I called was told the XXXX complaint it was in the wrong department and would now placed in fraud. XX/XX/2022 - I called again, the account was charged again the same higher amount ( {$450.00} ) with the same company that I reported in XXXX & XXXX. I was told it would be investigated but still the XXXX charge was in the wrong department. XX/XX/2022 - I sent a letter - no response XX/XX/2022 - I sent a letter and received a response that there was a credit of the two larger amounts to my card but the smaller amount of {$150.00} has yet to be taken off. XX/XX/2022 - I sent a third letter to ask the {$150.00} be removed and to close the account based on this back and forth and how the bank expects the consumer to DIY the statements, due dates, all acct management is shameful.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX I get a call ( that was fraudulent ) from a person posing as TD Bank Fraud Dept. ( I have proof of call logs ). When this person started asking question that seemed suspicious I hung up and call TD Bank Customer Service. I told the operator what was going on and she said those are scammers who were trying to keep you on the phone to keep you occupied to do whatever they were doing. She also stated that I have 15 charges ( different amounts ) on my account ( equalling XXXX ) and that I can't dispute these charges until the charges actually clear. So she cancelled that card I had bending in XXXX and to me to go get another card from your local branch. I left the gym and then proceeded to do that at the XXXX XXXX, NJ TD Bank branch. I gave the Customer service woman my card ( ending in XXXX ) and she discarded the card for me and then issued me another card ending in XXXX ( cameras don't lie, the camera will show me handing over my card that was cancelled ending in XXXX. On the XXXX of XXXX is when I started the dispute process of 15 charges I did not unauthorized. After about a week I realize no money was put back into my account. Come to find out that the claims Dept. denied my dispute claim saying that my chip was used. How can this be when the transactions were used in XXXX at a XXXX XXXXXXXX XXXX. I have never been out of this country ... .EVER! I have proof that I was here in the US ( at the time of the fraud ) ( I have a passport ) and I have proof that I was in possession of my card because I took the old card to a TD Bank location and received another one. This has been very frustrating because I did nothing wrong at all and they are saying I am responsible some how. My card is always with me at all times and my account had 10x as much as they took from my account which was XXXX. Please help me get my money back into my account. I have a police report, screenshots of call logs and locations and there is proof at the XXXX XXXX, NJ branch that I was inside getting another card less than 30-45 min of this happening.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph XXXXs the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, TARGET/TD failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. TARGET/TD Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. TARGET/TD Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hey, I sent three letter to all credit bureaus in XX/XX/2022, and I was told after any investigation in which an item of the information is shown to be incorrect or can not be validated, the consumer reporting agency should, 1 ) delete the item of information off of my credit report Account XXXX is repeatedly posting charge offs to my account monthly. With innacurate dates of account opened. Also for XXXX XXXX XXXX I have two late payments posted, in which I payed,
Company Response:
State: NY
Zip: 12533
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Target Credit Card has been closed since I closed it XX/XX/2022 and yet it shows open and current even after disputing issue with XXXX XXXX three times. I need your help to remove its active status from my reports. XXXX XXXX Account ending in : XXXX Please remove this account or show that it is closed. Thank you.
Company Response:
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
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: XXXX will not let me dispute any of the account they are marked potentially negative 35 of them that are closed and older than 6 to 7 years. Also I have a current account that is not late with TD auto Finance they also have potentially negative i contacts the td finance and they told me to dispute thru XXXX but XXXX will not let me dispute anything on my file stating it was already disputed. I am getting no where all those closed accounts that are over 6-7 years I need removed but I am being blocked and can not do anything this is a violation of my rights.I would like all closed account remove that are not reporting in my file REMOVED. They have hijacked my report and I have no access. I want my TD auto Finance the one that is open XXXX correctly I have never been late and I would like TS auto finance contact to confirm this is correct. I only have one name and have disputed they will not remove the other names of my report nor the addresses that dont belong to me. XXXX XXXX I ask for a live call to company to get sign documents I own that file nothing they updated it and left it on my report when I have never done business with that company. I need this fixed asap. I need TD a auto Finance to update my credit report monthly I am not seeing a 30 day update from them because of the daily fees they are charging me they are hiding what I owe and kinda not reporting my payments are on time an never late. I want my balance up dated monthly to all 3 bureaus.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Well in short for several years now, I have been trying to pen a personal checking account with XXXX XXXX, TD Bank North and XXXX XXXX XXXX. I wasn't ever given a reason at any time why they wouldn't extend to me an account. Every time I went to open an account, they open it and after a second verification process, they close the account. when I speak to a supervisor all they can tell me is there are note in my profile that say do not open an account for me, but they have the right to not share the reason and that's all I get so all I want to do is know the reason and all I want to do is to resolve the matter and repair and reinstate my relationship with the institution please help me thank you. Dates XXXX XXXX XXXX XX/XX/XXXX Dates XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dates TD Bank North XX/XX/XXXX
Company Response:
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I didnt receive a validation notice via mail or electronically.
Company Response:
State: OH
Zip: 44144
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2022 an unknown person in XXXX XXXX SC opened a checking account and savings account using my personal information including, the following : Government name Address Cellular Email address SSN Both accounts were closed today XX/XX/2022, the bank called me to check on the accounts that said were opened. I explained I didn't open or authorize either account. I went directly to the bank to prove my identity to close the accounts that were opened in my name without my permission.
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A