Date Received: 2022-08-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was scammed into sending {$900.00} from a fraudulent check that had cleared but later bounced on XX/XX/XXXX.
Company Response:
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have spoken with XXXX XXXX about the debt they purchased and have asked them to stop calling me multiple times as I am not interested in working with them. They have called me on two different phone numbers and also continue to send me mail. They are very aggressive on the phone when I explain that I am not working with them, I have worked with the creditor directly for resolution and have asked multiple times for them to stop contacting me. I receive multiple calls per week from restricted and unrestricted numbers, as well as mail disguised as other types of mail.
Company Response:
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have been informed that I am very likely the victim of identity theft. This has been brought to my attention by a credit card issuing agency ( XXXX XXXX XXXX XXXX ). They contacted me over the phone to confirm an application I never submitted. Disturbingly, they provided accurate personal details on their end that was provided to them by an unknown individual ( identity thief ). There are unrecognized inquiries on my credit report and an attempt to open a credit card account I have not applied for. My social security number has been compromised as well as other private details like phone number, address, and even my state issued drivers license number. My tax returns may also be target and potentially filed for me, as well as bank accounts attempting to be opened per my credit reports.
Company Response:
State: OK
Zip: 73012
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: In XXXX I obtained a credit card from TD Bank. I had a previous credit card from another bank and I attempted to obtain a balance transfer. After explaining the request to TD Bank, they then sent the physical check with the balance to the wrong location, specifically the branch where I had opened the original card but not the company/address which actually receives payments. I have been trying to contact TD Credit Card Services for several days and no one actually picks up. There have been occasions where I have left my phone connected for a half hour to an hour and the usual " representatives are assisting other customers '' keeps replaying. I actually went to a TD Bank location in XXXXXXXX XXXX XXXX where a customer representative actually sent an e-mail and tried to call on my behalf and was unsuccessful. I have attempted to contact both TD Bank and their credit card unit on XXXX and have been unsuccessful in getting a response. If this is not resolved soon, it will affect my credit rating and ability to pay.
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have been a customer with Td bank for many years. This last year to year and a half I have had to cancel my debit card numerous occasions because of fraud. On the XXXX of XXXX I noticed XXXX charges thay I did not make and I reported it and I was given provisional credit. I was then told that because after my card was closed the scammers didn't try to use it again that they took my money back. Last week Monday my husband had over {$5000.00} scammed on his card and has reported it right away and they once again canceled both of our cards and scammers have tried to use his since it has been closed as well. However it has been XXXX business days and they will not give us our money back or any type of answer on anything. XXXX basically owes me over {$6000.00} as there is proof the places are scams. Someone please help me. We can't even male our bulls now because we were first scammed by someone and now by Td bank. Myself amd my husband has called everyday to try to get resolution. Thank you
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with TD Bank I have 2 issues 1. I was making my payments monthly & around XXXX XXXX of XX/XX/XXXXmy payment was not applied correctly after numerous calls TD bank told me it was applied correctly & I still owed the current month and the next month. ( They later applied the payment correctly ) At that point they said I owed 2 months and I couldn't catch up. This made me go into foreclosure for about 4 years until I was able to work out a modification. Having this foreclosure on record obviously cost me tremendously both monetarily & physically. In addition, I have not received a monthly mortgage statement for years I have asked multiple times for a statement but to no avail. I am now trying to buy a different house ( something that I was not able to do for years due to my foreclosure issue which was a direct cause of TD Bank. Now when I finally went to the bank to get a statement as the new mortgage company told me I need it I see have a past due amount of XXXX ( legal fees which are not due to be paid back until the end of the mortgage ) as legal fees. This is causing me tremendous losses and aggravation I feel the bank has violated the Truth in Lending Act more than once. 1.originally when they put me in foreclosure due to the misapplying the monthly payment 2. not sending me the monthly mortgage statements ( which has caused me additional penalties ) possibly losing my new house as It says i am behind on my payments. I had to rush to pay this outstanding legal fees off that I dont have to pay until the end of the mortgage to see if i can still get this mortgage.
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened up an account in my name. I contacted the Bank & they are resolving this. I am reaching out to you to report that my name & address was used in a identify thief. What can I do to protect my identity?
Company Response:
State: VA
Zip: 22602
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I first received a debit card that couldnt activate from XXXX XXXX XXXXXXXX. I never applied for this card. Yesterday I received a letter that I was declined for a credit card with Nordstrom that I also never applied for. And it has caused my score to drop tremendously.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a call from Target Card services on XX/XX/22 saying that my payment was late for my card and I was past due. I told them that was impossible and they informed me that they had the wrong address on file and the statement was returned. I was able to bring the account current on the phone and the Target representative informed me that he would be sure to put a request on my account to not report that it was late to the Credit bureaus because of the wrong address on file. The next day, XX/XX/22, I received notice that my credit score dropped XXXX points because Target Card services reported a 30 day late notice and a significant balance increase. This was also on the same day that I applied for a new apartment, which I was then denied because of the significant drop in my score. I immediately called Target Card services to understand and they informed me that it was already reported to the credit bureaus before they could send information to correct it. I was even refunded the late fees that were put onto my account. I asked them to please update as soon as possible this is preventing me from being able to have a place to stay. I was informed on 3 separate calls that they reported to the agencies to fix the mistake and that it should show up within the next couple of days. I asked if they could provide something in writing for me to show proof to potential landlords that it would be corrected soon. I was informed that they would not be able to provide that via email. I waited a few days and still no change to my credit report. I called a few days later and was told that it wouldn't report until the next billing cycle ( XX/XX/22 ), which is not what I was told on the previous 3 calls with Target representatives. I asked if they could move my billing date to the 1st of the month to speed up the process in making the correction as I am currently XXXX, waiting for this change on my report. Which they did. I also asked if I could file an internal dispute with Target for the 30 day late notice and balance increase for the month of XXXX. They filed the dispute. I called again on ( XX/XX/22 ), one day after the billing cycle, to confirm that the adjustment would be made to my credit report by removing the 30 day late notice and balance increase for the month of XXXX and was told that since I filed a dispute with Target, it would take another 30 days for the dispute to finalize and any updates to be made to my credit. I was told the deadline to complete the dispute would be XX/XX/22 and that I would not see any changes to my credit until the next billing cycle ( XX/XX/22 ). This directly contradicts the first 3 calls that I had with the representatives with the issue first happened. I was told this would be corrected by my next billing cycle in XXXX and now I'm being told that it won't be corrected until XXXX. I do not have confidence in the way this situation has been handled and communicated and I have been put in a tough situation without a place to live because of this mistake that was made on Target Card services part.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I specifically requested an account that does not authorize any overdraft. I want payment to be declined instead of pushing me into " the red ''. The TD Bank who opened the account assured me this was the case. Since then i have been charged thousands in overdraft fees. I was blatantly lied to when opening the account. Three different funds were Ach'ed from my account and my account was originally in the negative - {$140.00}. My account is now negative {$580.00} and I've spoken to a representative about the charges because all of the charges that were removed from my account as an ACH were returned back to my account, but the charges still remains. I asked the representative can the fees be credited back to my account and I will clear up the remaining negative balance but I am being told it can not be done. XX/XX/2022 FEE OVERDRAFT PD - {$70.00} XX/XX/2022 CREDIT XXXX XXXX XXXX XXXX {$680.00} XX/XX/2022 DEBIT OVERDRAFT RET. - {$35.00} XX/XX/2022 FEE MAINTENANCE FEE - {$15.00} XX/XX/2022 XXXX XXXX XXXX {$130.00} XX/XX/2022 DEBIT OVERDRAFT RET - {$35.00} XX/XX/2022 DEBIT XXXX XXXX XXXX XXXX - {$680.00} XX/XX/2022 FEE OVERDRAFT PD. - {$70.00} XX/XX/2022 XXXX XXXX XXXX - {$130.00} XX/XX/2022 XXXX XXXX XXXX XXXX PAYMENT {$300.00} XX/XX/2022 DEBIT OVERDRAFT RET - {$35.00} XX/XX/2022 DEBIT XXXX XXXX XXXX PAYMENT - {$300.00}
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A