Date Received: 2022-06-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I CONTACTED TD BANK BACK IN XXXX OF 2022 REGARDING A CHARGE ON MY CREDIT CARD FROM XXXX THAT I DID NOT MAKE NOR AUTHORIZE. I WAS ADVISED BY TD BANK THAT I WAS NOT RESPONSIBLE FOR THE CHARGE OR ANY FINANCE CHARGES RELATED TO THE AMOUNT IN QUESTION OF {$34.00}. THERE WAS NO OTHER BALANCE ON MY ACCOUNT PRIOR TO OR AFTER THIS CHARGE POSTED TO MY ACCOUNT THAT I DID NOT MAKE & I WAS ADVISED BY 2 SEPARATE AGENTS THAT I WAS NOT RESPONSIBLE FOR MAKING A PAYMENT NOR ANY INTEREST/LATE FEES REGARDING THIS AMOUNT. THE CHARGE WAS EVENTUALLY DEEMED AS FRAUDULENT BY TD BANK AND REMOVED FROM MY ACCOUNT. ( I HAVE ATTACHED DOCUMENTATION I RECEIVED FROM TD BANK STATING AS SUCH ). HOWEVER, AS OF THE DATE OF THIS COMPLAINT, THEY HAVE SENT ME VARIOUS CORRESPONDENCE THAT IS CONFLICTING AS WELL AS MISLEADING AND NOONE WITHIN THEIR COMPANY SEEMS TO KNOW WHAT THE HECK THEY ARE DOING OR HOW TO DO THEIR JOB IN ORDER TO REMOVE THIS NEGATIVE REMARK FROM REPORTING!! HOWEVER, AS I ATTEMPTED TO MAKE A MAJOR PURCHASE, I REALIZED MY CREDIT SCORE HAD DROPPED AS TD BANK HAD REPORTED THE ACCOUNT AS " NEGATIVE '' DURING THE MONTH IN WHICH THIS AMOUNT WAS DEEMED AS FRAUDULENT! I IMMEDIATELY REACHED OUT TO TD BANK AND AFTER NUMEROUS BACK & FORTH COMMUNICATION WITH THEIR CREDIT DEPARTMENT, I WAS EVENTUALLY PUT IN CONTACT WITH THEIR CREDIT DISPUTES DEPT. I ALERTED THEM THAT THIS CHARGE WAS BEING REPORTED AS NEGATIVE ON MY CREDIT REPORT! I ALSO ADVISED THEM, TIME IS OF THE ESSENCE, IN GETTING THIS RESOLVED AS I WAS ATTEMPTING TO MAKE A MAJOR PURCHASE & THIS NEGATIVE REMARK THAT WAS REFLECTING INCORRECTLY ON MY CREDIT REPORT WAS AFFECTING MY CREDIT SCORE WHICH WOULD GIVE ME A LOWER INTEREST RATE THEN WHAT I SHOULD QUALIFY FOR! ( I HAD NO OTHER NEGATIVE OR DEROGATORY INFORMATION ON MY REPORT OTHER THAN THIS ). I WAS ASSURED THIS MATTER WOULD BE LOOKED INTO AND HANDLED WITHIN 30 DAYS OF WHICH IS HAS NOT BEEN!! AFTER NUMEROUS CALLS AND EMAILS I WAS FINALLY PUT IN CONTACT WITH VARIOUS AGENTS THAT CLAIMED THEY COULD HELP ME & WOULD GET THIS ISSUE RESOLVED! WHICH IT HAS NOT BEEN AS OF THE DATE OF THIS COMPLAINT! I HAVE SINCE BEEN PUT IN CONTACT WITH, XXXX XXXX IN THE TD BANK, CUSTOMER CARES/US FRAUD MGMT DEPT XXXX ( AFTER REACHING OUT ON SOCIAL MEDIA BECAUSE THIS MATTER STILL HAS NOT BEEN RESOLVED IN THE TIME I WAS ADVISED!! XXXX AND I HAVE SPOKE NUMEROUS TIMES AND SHE APOLOGIZED THAT THIS HAS TAKEN SO LONG TO UPDATE MY REPORT BUT SHE ASSURED ME IT WOULD BE TAKEN CARE OF! SHE THEN EMAILED ME THE LETTER THAT SHE SAID I COULD USE TO VERIFY THAT TD BANK HAD REPORTED MY ACCOUNT AS NEGATIVE IN ERROR & THAT THEY WOULD UPDATE MY CREDIT REPORT TO SHOW NO NEGATIVES AS WELL AS CONTACT THE MAJOR CREDIT REPORTING AGENCIES TO REMOVE THE DELINQUENCIES! AND AGAIN, ALMOST 4 MONTHS LATER, MY REPORTS HAVE STILL NOT BEEN UPDATED & I AM FURIOUS! I HAD REACHED OUT AGAIN TO XXXX AND SHE HAD EVEN SENT ME ANOTHER LETTER, WITH AN UPDATED DATE ON IT IN ORDER TO SHOW THAT THIS NEGATIVE REMARK IS TOO BE REMOVED FROM MY ACCT! I I HAD TO REACH OUT TO XXXX @ TD BANK ( XXXX CONTACT INFO IS LISTED ON THE CORRESPONDENCE DOCUMENTATION SHE SENT ME VERIFYING TD BANK MADE AN ERROR AND WAS REMOVING THE NEGATIVE 30 DAY REMARK ). BUT ONCE AGAIN BECAUSE I HAD DISCOVERED THAT THE INFORMATION FURNISHED DID NOT INCLUDE THE CORRECT ACCOUNT NUMBER! SO AFTER I DID MY OWN INVESTIGATION, I FOUND OUT THAT THE ACCT # ON THE 1ST 2 LETTERS I RECEIVED WAS THE NEW ACCOUNT #. WHEN THE OLD ACCT # ( THE ACCT IN WHICH THE FRAUDULENT CHARGE OCCURRED ON & WAS THE ACCT # IN QUESTION WAS NEVER UPDATED ) AND THEIR WAS 2 SEPARATE ACCOUNT # XXXX WHICH TO THIS DAY, NOBODY AT TD BANK CAN EXPLAIN TO ME WHAT HAPPENED AD WHY THE CARD THAT HAD THE FRAUDULENT CHARGE ON IT WAS NEVER CLOSED AS I HAD REQUESTED IT TO BE!! BUT WHY AM I HAVING TO FIGURE ALL THIS OUT MYSELF WHEN I DO NOT WORK FOR EITHER TD BANK OR THE CREDIT BUREAUS!! THIS SHOULD HAVE BEEN FIGURED OUT BY AN EMPLOYEE THAT IS PAID BY THESE COMPANIES NOT THE CONSUMER, ME, IN THIS CASE!!!! I HAVE DISPUTED THIS NEGATIVE REMARK NOW 3 TIMES IN THE LAST 3 MONTHS & IT STILL HAS YET TO BE UPDATED AND REMOVED FROM MY REPORT!!! I REACHED BACK OUT TO TD BANK ONCE I RECEIVED THE " UPDATED '' REPORT STILL REFLECTING THE NEGATIVE 30 DAY MARK! AND XXXX ONCE AGAIN SENT ME ANOTHER LETTER ADVISING THAT TD BANK " INCORRECTLY REPORTED MY ACCOUNT AS 30 DAYS LATE & THAT THIS LATE MARK WAS TO BE REMOVED! HOWEVER ONCE AGAIN, THE DISPUTE I FILED WITH THE CREDIT BUREAUS IS STILL NOT REFLECTING THE 30 DAY LATE REMARK IS TOO REMOVED AND THE CREDIT BUREAUS ARE CLAIMING THE REMARK IS ACCURATE WHEN IT IS CLEARLY NOT!!!!! AT THIS POINT SINCE IT HAS BEEN OVER 30 DAYS AND MY CREDIT REPORTS ARE STILL REFLECTING THE NEGATIVE 30 DAY LATE REMARK, I BELIEVE THAT MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT, HAVE BEEN VIOLATED IN THE FACT A NEGATIVE REMARK THAT HAS BEEN VERIFIED TO BE REMOVED FROM THE COMPANY THAT REPORTED IT STILL HAS NOT BEEN DONE! MY CREDIT SCORE AS WELL AS MY FINANCIAL WELL BEING IS & HAS BEEN SEVERELY AFFECTED BY THIS MISTAKE/ERROR I REPORTING! I HAVE BEEN DENIED CREDIT, HAD ANOTHER CREDIT ACCOUNT CLOSED & I SUFFERED AN INTEREST RATE INCREASE, ALL BECAUSE MY CREDIT REPORT IS REFLECTING AN ERROR IN REPORTING A 30 DAY NEGATIVE LATE REMARK FROM TD BANK THAT SHOULD NOT BE THERE!!!! IF THIS IS NOT RESOLVED IN THE TIME FRAME ALLOWED BY LAW, AS I HAVE PREVIOUSLY STATED, " TIME IS OF THE ESSENCE '' IN GETTING THIS REMARK REMOVED FROM MY CREDIT REPORTS & TO BE REFLECTED ACCURATELY, I AM PREPARED TO SEEK DAMAGES IN A COURT OF LAW IN ORDER TO BE COMPENSATED FOR THE FINANCIAL LOSS I HAVE INCURRED DUE TO MY CREDIT SCORE NOT REFLECTING ACCURATELY DUE TO A 30 DAY LATE THAT HAS/IS BEING STILL REPORTED ON MY CREDIT BUREAUS IN ERROR!! THIS ENTIRE SITUATION HAS LED TO MONTHS OF DEALING WITH A XXXX, XXXX XXXX & XXXX, ALL RELATED TO AN ISSUE THAT WAS NOT MY FAULT, OF WHICH I WAS ASSURED ON MULTIPLE OCCASIONS BY DIFFERENT AGENTS WITHIN TD BANK, THAT THIS WOULD BE RESOLVED IN A TIMELY MANNER BUT HAS BEEN EVERYTHING BUT!!!!
Company Response:
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
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: To whom it may concern, On XX/XX/XXXX and XX/XX/XXXX, I sent all XXXX Credit Bureaus certified letters asking for Validation of the debt stated below. They never sent me any letters and accounts still remain and have not been fully validated. TD Bank/Target credit XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX! Regards, XXXX
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Auto-pay has been set up on my Target RedCard for years and I have never missed a payment until suddenly in XXXX my autopay was returned. I had not changed my bank account information and I had more than sufficient funds in my account. The payment of {$940.00} was attempted on XX/XX/XXXX with the autopay service. Upon calling Target 's credit card help line on XX/XX/XXXX I was harassed by the agents telling me that I needed to pay my debt but not offering any sort of assistance or clarity into what had happened. I had attempted to pay with my XXXX XXXX, as well as my Checking account, each of which had more than sufficient funds in them. All of those were rejected by Target. No other credit card or auto-pay service has been returned, only Target 's. I paid " my debt '' by using my Savings from XXXX on XX/XX/XXXX. My payment was for {$1200.00}, I had uploaded my information into Target 's system and the payment was posted that same day. Because that was the case I had figured maybe Target just had an issue with XXXX for some reason, and I decided to resume auto payment with Target using this XXXX account. On XX/XX/XXXX Target attempted to charge my account for {$1200.00} using the XXXX Savings information saved from the XX/XX/XXXX payment. On XX/XX/XXXX Target returned this payment claiming that there was insufficient funds. My Savings account at XXXX has well over {$420.00} in it, and XXXX shows no attempts at payment were made. Target is charging me a {$30.00} returned payment fee for this and has been incapable of providing me with any sort of information other than demanding that I pay off my balance. Each phone number for the XXXX assistance will either go dead or take you back to the payment center where you are only able to make a payment, not receive true assistance.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: We moved into XXXX XXXX back in XX/XX/2008. We had to put down at least 2 months rent for Security Deposit which went into an Escrow Account. My mother passed away last year and they tried to say she was the only one listed on the apartment which I proved otherwise. This year I received our Escrow account from TD Bank which is holding the money. It appears that they redid the account taking most of the money and only leaving {$1100.00} in the account which we lived here for 14 years also the Interest is extremely low with an earning of XXXX for a few months. I tried to contact the XXXX XXXX office but they refused to talk to me.
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX Dispute XX/XX/XXXX Report - XXXX Ive paid my TD Bank mortgage ( including tax and home owners statement ) on-time and sometimes early for years. On at least four ( 4 ) occasions in the last year, a TD bank teller or someone in the TD bank central office incorrectly entered my mortgage payment in an incorrect account ( I also have a home equity and checking account at this branch ). On each occasion, when I received my next statement showing the issue, I met with one of the bank managers at my branch office ( TD Bank, XXXX XXXX XXXX, XXXX, NJ, XXXX ) and he addressed the problem by calling the TD bank central office and correcting the error. I have notes and names of three of these people if this is needed to investigate this problem. The most recent repeat of these errors was in XXXX, XXXX. On XX/XX/XXXX, I met with one TD bank manager, XXXX XXXX, who spent a half hour on the phone with TD bank central office, concluding that the problem was resolved. However, my next TD bank statement on XX/XX/XXXX did not show the resolution. I called the TD bank central office on XX/XX/XXXX and was eventually connected with a representative ( XXXX XXXX who spent the next hour on the phone with me without any resolution of my problem. XXXX did not appear to be very competent ( i.e., he could not find records of this or previous disputes on his computer and he indicated that some other department would need to become involved ). Apparently, there was never any follow up on my problem by the anyone else since I was never contacted by the TD bank central office after that frustrating, long phone call. Lacking useful customer service by the TD bank central office, I met again with one of the local TD bank managers at my branch office on XX/XX/XXXX, this time with XXXX XXXX, who also spent a half hour on the phone with TD bank central office trying to correct the problem. He requested material from the home office to resolve the problem but added that the problem should be taken care of by the TD bank central office shortly. Yesterday ( XX/XX/XXXX ) I stopped at the bank and spoke with XXXX, adding that I received bank records from TD bank central office. He told me that they had not sent the information to him as requested and told me that he would follow up on why this oversight occurred by TD bank central office and why the problem was still not resolved. Apparently, the TD bank central office has incorrectly reported my mortgage account as unpaid and, as a result, my credit score has dropped XXXX points from XXXX to XXXX. I place great pride in having a near perfect credit score and having it diminished by the sloppy, incorrect accounting of the main office of TD Bank is frustrating, annoying, and extraordinarily time-consuming. I want this dispute to be corrected and my TD bank account removed from my credit score evaluation. If TD bank central office cant keep my records straight, I dont want my credit score to reflect their errors.
Company Response:
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2022 I was asked by a friend to cash her Social Security check. The check was in the amount of {$750.00}. I had her sign check over and went to my local branch and deposited check into ATM as I do with all my deposits. The check was not made available ( did not clear ) for 7 days. Once cleared I withdrew cash and gave to my friend. on XX/XX/XXXX I called to check my balance and my account was negative over {$750.00}. I called the bank to see what happened and I was informed that this check was previously cashed by another bank and they had deducted funds from my account to cover. I immediately grabbed my friend and visited the branch office to speak with a manager. There was none on duty, however, the tellers proceeded to tell me this was my problem and nothing I could do. I asked for a copy of the cancelled check which I was given. On the back of this check there is no other evidence of a prior cashing activity. I was given the name of a XXXX bank that was the entity that cashed the check prior, but no further information was given. Since then I have spoken to a branch manager over the phone, and visited three different branch locations to attempt to get help with this issue. I was treated poorly and consistently told there was nothing I could do. I then decided to research the federal reserve laws on line and came across a law put into affect to aide in disputes from mobile and ATM deposits called the Check XXXX XXXX. this states that the initial bank did not make " known '' the check was cashed, therefore, they would be responsible for the duplicate cashing not me. I brought this to the attention of my bank and I was told to get a lawyer. I am not rich, can not afford a lawyer. My account remains negative for 24 days while I have tried to resolve this issue. I have incurred bounced checks and fees from my creditors as well as the through my bank itself. They are now proceeding with collections and collections calls. I have no information to report fraud, or make claim with police because no one will tell me anything. I would like all of my money back including all fees both with in account and from my creditors charging me bounced check fees. In my experience an check put on hold for 7 days is so it can be investigated that it is ; 1. a good check. 2. Has the funds available to pay!! Once it is " cleared '' it should be all set. Three months later with no prior notice, all of a sudden there's an issue. My bank could have taken a year to clear this check if they needed to. Once clear the customer ( me ) should be able to use those funds with out fear of later recourse and all because of technology and mobile deposits and ATM deposits. If the checks can not be verified they should not be accepted in this manner!!!! Please HELP ME!
Company Response:
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I was using my TD Credit Card at the XXXX XXXX in XXXX NH when it declined. I immediately called TD Card Services ( @ XXXX ) and first learned of suspicious activity on this card that occurred on XX/XX/XXXX and learned TD Card Services closed my account due to it. I was asked if I made two identical purchases through XXXX on XX/XX/XXXX ( each charge was {$450.00} ) and another purchase that same day, all of which I did not make nor did I authorize, which is exactly what I told the TD Card Services representative. I was told not to worry, the account was closed, it would get investigated and they would send out a new card. On XX/XX/XXXX TD Card Services re-applied one charge to my credit card in the amount of {$450.00} from XXXX. A supervisor at TD Card Services DisputesCenter said they ruled in favor of XXXX because the tracking number did in fact show the package was delivered in or at my mailbox and the IP Address ( XXXX ) came from my town of XXXX NH. The supervisor gave me the tracking number ( XXXX ), the XXXX order number ( XXXX ), the IP Address and the item purchased, a stand-up desk with dual motors XXXX I went to my local USPS and asked for a print out of this package using the above tracking number. I was told the weight of this package was only 0.5 ounces ( the size of a letter ) and was put in my mailbox, assumingly as junk mail. This package originated from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX California XXXX, which belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the shipping partner is XXXX XXXX. Not to mention, USPS ships smaller handheld packages and they have strict weight and size restrictions. Although I can not find any info on the desk listed in the papers sent to me from the TD Card Services Investigation Department, I think I can assume it would be too big for the USPS to even ship. I then called XXXX and asked about order # XXXX and a supervisor informed me they never use letters in their orders. In reviewing the papers sent to me by TD Card Services Investigation Dept, " The Merchant '' listed is XXXX XXXX. When I XXXX XXXX XXXX the first reported fraud case was XX/XX/XXXX, and there have been several that followed. It is not at all a merchant. As for the IP address, it is not mine, I have no idea who it belongs to and I have no association at all with it. I did file a police report with the XXXX XXXX and submitted all this info to the FBI. This has so many red flags and I feel it was never investigated. I have faxed, mailed, and made several phone calls with this info to TD Card Services Disputes Center but I am getting nowhere. I visited 2 XXXX TD Bank locations and spoke to customer service and still got nowhere. Enclosed you will find 2 different tracking reports from the USPS, 4 pages from TD Card Services Investigation dept., a police report, and fraud info on XXXX XXXX. I would like to mention this card was and always has been in my possession only. Thank you for your time in this matter. Sincerely, XXXX XXXX
Company Response:
State: NH
Zip: 03110
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Nordstrom/TD has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A