Date Received: 2022-07-15
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Hi, Whom I can concern, My name is XXXX XXXX, I have TD bank accounts on both USA and XXXX side, So I have made a call to bank for service money transfer {$2500.00} from usa to XXXX account on XX/XX/XXXX, the amount was took on same day, but I did not get any money on XXXX account until now! During the passed more then 1 month days, I have made many calls to the bank, even asked to make money recall back to USA account, but so far still get any back yet! It is unbelievable, I don't know what's wrong happened, and why it takes so long to process even the recall, Aa a consumer with TDbank for more then 22 years, I am very hopeless they did with their Cross-Border department! At here I hope CFPB can help me and protect Consumer 's rights! Pls see attached document from TD BANK XXXX XXXX
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
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 Amount : 0 Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.
Company Response:
State: WA
Zip: 98126
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: During the Covid pandemic I lost my job, I was out of work for about a year and I missed a payment from target, which had a program in place for cares act..that would not report late payments to the credit agencies and they would wave late fees during the pandemic I was not aware that the late payment was posted until recently this year, I have dispute this with target and the rep told me although the late payment met the requirements of the program they had in place during the pandemic he can not go back and fix it because it is illegal for him to remove late payments, I explain that its impacting my score and Im wanting to buy a house, I asked if he could at least put something on file stating I was impacted by Covid so it wont affect my credit score his response was no I cant because I was late and legally by law he can not remove it
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Company Response:
State: UT
Zip: 84780
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Target XXXX XXXX XXXX XXXX XX/XX/2021 I did not authorize these inquiries and did not apply for these cards.
Company Response:
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I recently realized that between a billing error on XXXX 's part and other billing errors, that I was being charged amounts that did not add up to the amounts I owed and/or that I needed to cancel payments because I was entitled to dispute and not pay for a service even at the cost of the service so I could have my money back. Essentially, TD Bank is trying to force me to pay amounts for services that are unreasonable and reverses any dispute if it turns out I had the card in my possession not whether the transaction itself is valid.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have attempted many times to resolve this matter, this is an unauthorized account, I did not authorize this account, this is not my debt. The stress this has caused is overwhelming.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX, XXXX XXXX XXXXXXXX with older son to open XXXX to XXXX XXXX statement from TD BankXXXX The amount on this credit card was over {$4000.00}. I knew this was trouble because I did not make those charges. I went to a branch of TDBank the very next day to dispute these charges, XXXX XXXX I called Customer service on back of credit card. No results that day. XXXX XXXX called customer service again. Nice woman wenr through charges with me XXXX by XXXX. Told me it was fraud and switched me to Fraud. A woman from Fraud quickly looked at charges and said she had to switch to Dispute I waited for a reply but nothing. I kept on paying monthly payments because XXXX was my total. Adding Fraud {$2700.00} to account. TDBank kept sending new cards. My original card # XXXX, new caes # XXXX, another card I never received # XXXX People were still charging in XXXX. In the coming months no action from bank was taken. I went to another branch where the branch manager tried to help. TDBank gave me credit for XXXX charges but never considered original fraud. Called customer service they simply won '' t aswer. This is affecting my well being
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: RAYMOUR AND FLANIGAN charged off an account that was never late on payments and sold it to a debt collector. violating 15 USC 1681 s-2, 18 USC 894 , 18 U.S.C 1028A , Gramm-Leach-Bliley Act
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022, I sent via certified mail validation/verification letters to target /td bank. They received it around XX/XX/2022. They have failed to respond and they have refused to remove the debt from my credit report. They are violating FCRA and FDCPA by trying to collect a debt they can not or failed to validate/verify.
Company Response:
State: PA
Zip: 17552
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A