Date Received: 2022-06-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened a TD bank account with two of my stimulus checks while I was in a XXXX program at the time I made account witch was on XX/XX/2021 not long after that I was able to have my visit with my son so once a week on Tuesdays I would have my son 's father oder me an XXXX with my card after my third visit someone hacked into one of three thing his cell phone our wifi or stolen my online information and got into all my accounts was making purchases wier transfers ect with my card but my bank card was in a safe locked up by staff my son 's father I them to him once and he deleted the information right away he said so I completed XX/XX/2021 after a 90 day program and returned home where my paper statements were sent to none were opened On the sometime that week I took XXXX out for rent and back rent not a problem Im doing my classes for the courts and all the sudden when Im about to complete them someone locks me out all my accounts I went through about 33-50 email address as soon as I got one they would steal it and lock me out so I finally get back into my account after a month or so I had emails and complaints filed against me foXXXX XXXX XXXX and a bunch others FYI ( I don't have a license I haven't since I was XXXX ) So now someone has my identity and changed my mailing address to obtain my identity credentials so I get my statement and I go up to TD and say something about XXXX so the gave me back the XXXX that was taken from my account so I get my next statement in I start going through everything I see all together someone yet again after I put a extra security lock on it stole close to XXXX my son 's father was XXXX since he was on the account to now that someone could just take our money and TD said there was no signs of theft but this person made two online accounts and after we locked the account down TD refused to reimburse us now this is two years later and after doing my own research it seems to be published in a law news paper the same person who paid my son 's bail has a relative or sibling who works for the TD bank the real estate department I could have really used that money to afford a real lawyer for my case now I just want justice with it because for close to almost 4 years now this person has targeted me and yet nothing has been done about it the only reason I can see is either she has money or she is an ex girlfriend of my son 's father who had it out for me I'm an American us citizen a XXXX XXXX and just trying to get my life back in order from the mistakes I've made in the past because I tried my life around for my son I'm being set up for something I never did
Company Response:
State: PA
Zip: 19147
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: This morning, XXXX XXXX at XXXX, I received an email to let me know that a new checking and savings account was opened with TD Bank in my name. I called and let them know that I did not open a new account with them, nor did I bank with them. They directed me to their fraudulent line and she has submitted a claim and gave me direction to call all of the credit unions, social security office and to file a claim with the FTC.
Company Response:
State: SC
Zip: 293XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen not one but two times in XXXX and again in XXXX. I've called the companies XXXX XXXX XXXX Nordstrom, XXXX ) to report the fraudulent accounts. Within the years, Ive placed fraud alerts on my credit profiles and every time I dispute these items they still come back as verified and accurate. The credit bureaus recently told me to file an identity theft report with the FTC and they would investigate the accounts and remove them. I did that and again, the accounts came back as accurate and verified. I dont understand how they are verifying this with no proof of ownership of the accounts. I've asked them to send out original contracts with my signature on it and none of the companies were able to furnish that information.. A debt collector even attempted to sue me because of a debt that was fraudulently opened in my name. However, I after I explained to the judge my identity theft incidents and told him that I've continuously asked for the original contract with my signature on it which they were not able to furnish the case was dismissed and the debt collectors removed it from my credit report. This is illegal.
Company Response:
State: MD
Zip: 20743
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: on XX/XX/2022, at the Nordstrom XXXX store in XXXX, VA, I purchased clothing and worked with the cashier to apply for Nordstrom Credit card, after 15 mins of information providing they could not sent a text message to my phone, so they denied the credit card. They would not even try again, or work with me to get the text to work. Then when I got home I called the Call Nordstrom Card Services XXXX, and they said nothing they could do, just try to apply online for a credit card again. I think that denying credit to someone with technical issues, and not working with them to overcome these issues is discrimination. I am a IT professional, and this was clearly not an issue on my phone. Please process this complaint against Nordstrom so they provide credit to those who " have not '' the technical skills to support themselves. ( They told me the denial letter is on the way, so I did not attach it here. )
Company Response:
State: VA
Zip: 22032
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: 2022-06-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022, I the consumer, natural person, and original creditor initiated a consumer credit transaction with TD Bank. On said date I applied for their TD Double Up XXXX Credit Card using my social security number ( SSN ). However, TD Bank denied my consumer transaction/application and mailed me an adverse action letter dated XX/XX/2022 ( a violation of 15 U.S.C. 1691c ). A copy is herewith attached. On XX/XX/2022, I sent TD Bank by certified mail notice alerting them of their violation of my federally protected consumer rights. Which they received and signed for as evidence by the signed certified return receipt ( XXXX ). Copy herewith attached. In the notice, I gave TD Bank ten ( 10 ) calendar days to rectify the situation by reassessing my application and approving it. I also clearly and conspicuously stated that " failure to respond is tactic agreement that [ TD Bank ] [ is ] civilly and criminal liable for the actions take against the beneficiary. '' In accordance with the postal rule, their failure to respond in writing to my notice to wit, is tacit agreement that they violated my federally protected consumer rights by not approving my application for the TD Double Up XXXX Credit Card. It has been over 30 days since TD Bank has received my first notice and yet has not responded in writing to my demands. To reiterate what my notice made clear : According to federal law ( 15 U.S.C. 1602 ( I ) ) my social security card is a credit card. A credit card is defined as " any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I used my social security card/number in connection here to obtain another credit device existing for the purpose of obtaining money, property, labor, or services on credit. Accordingly, as a consumer, natural person, and original creditor, it is unlawful to deny me of my own credit. Furthermore, 15 U.S.C. 1691 ( a ), provides that : " [ I ] t shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction.. " A denial of my open ended consumer credit constitutes to discrimination. Moreover, pursuant 12 U.S.C. 1431, Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore TD Bank is unable to lend a consumer, natural person, and original creditor anything.
Company Response:
State: MA
Zip: 02478
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I want TD auto finance to remove all late payments from my credit report. I'm aware my non-public personal information ( such as negative information ) should not have been disclosed to any non affiliated third parties, such as debt collectors or Credit Reporting agencies without my lawful consent. I ask that TD Auto Finance remove all information from my credit report, I was never given the opportunity by TD Auto Finance to opt of credit reporting.
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: The following report is in regards to a dispute of a decision made by TD Banks anti-fraud services. During the pandemic, in XXXX of XXXX, someone obtained my checking account information and I unknowingly became a victim of identity theft. The accounts affected were my checking account and my savings account. I use these accounts as my emergency funds, and do not routinely check them as I do my main accounts with another bank. Prior to any fraudulent activity, my checking account balance was {$210.00}, and my savings account balance was {$5000.00}. On XX/XX/XXXX someone managed to obtain my checking account info and began making withdrawals using XXXX account they falsely created in my name. My checking account was reduced to {$0.00}, and over the course of the next few months, they continued to make withdrawals which activated protection. As a result, money from my savings account was automatically deducted via overdraft protection and the funds were drained from that account as well. There was no notification of any sort from TD bank, and no alert was communicated to me despite the months of suspicious activity ( multiple withdrawals from a {$0.00} balance checking account, causing overdraft protection to siphon off my savings account ). It was only brought to my attention when I received an alert from XXXX XXXX on XX/XX/XXXX stating a TD account was closed. Only upon investigating the alert from XXXX XXXX did I discover how far back the fraudulent activity went. By this time, my checking account balance was at {$0.00}, and my savings account balance was reduced to {$700.00}. I immediately called customer service on XX/XX/XXXX to report everything and was forwarded to the fraud department who said I would get an answer pending an investigation. I told them explicitly that I expected my accounts to be made whole, as I was a victim of identity theft. Over the next few weeks, I followed up with multiple agents from the fraud department for updates on my claim and kept being told to check back each week. Each time I spoke with an agent I was led to believe that I would get everything back by the end of the investigation. To my surprise, on XX/XX/XXXX, the last agent I spoke with from fraud services said they were only able to refund the most recent fraudulent transaction - a total of {$1000.00} to my savings account, and {$0.00} to my checking account. I expressed to her that I did not think this was fair. I have been an account holder from when it still belonged to XXXX Bank and was acquired by TD in XXXX. I relied on TDs services to keep my money secure from situations like this. At the very least, I should have been notified of any suspicious activity as many other banks do. Not once was I alerted by TD Bank of my checking account being {$0.00} for several months, nor did anyone catch the suspicious activity of multiple overdraft protection transactions continuously draining my savings account to cover the withdrawals from a {$0.00} balance checking account. Despite my disapproval of the results, XXXX said there was nothing else they could do citing a policy that requires me to notify TD of any fraudulent activity in the first 60 days of the incident. I reiterated that if I was made aware in a timely manner, I would have notified TD immediately. Nevertheless, the decision was deemed final. I then tried to escalate the situation with customer service and was forwarded to a supervisor named XXXX who also said there was nothing she could do on her end. She then suggested that I can try sending a letter to the corporate office or go to a local TD Bank branch and speak with a manager. In XX/XX/XXXX I went to the closest TD Bank branch located in XXXX XXXX XXXX, XXXX, NJ and spoke with Assistant Store Manager XXXX XXXX XXXX who said she would stay in contact with me about the situation. After several weeks of not returning my phone calls/messages, I reached out to the Store Manager XXXX XXXX in who said she would take over the claim from XXXX. She forwarded the issue back to the fraud department who told her the claim is denied because it has already passed the XXXX requirement. She also said she checked for other alternatives on my behalf and came up with nothing. At this point I was at my wits end. The reason why so much time has passed was the lack of communication and slow-moving service on TDs part. TD Bank continuously promotes their stellar service but the experience I have endured speaks to the contrary. TD Bank failed to alert me of my account having a {$0.00} balance. They have failed to alert me of any suspicious activity, specifically multiple withdrawals from a {$0.00} checking account, resulting in multiple overdraft protection transactions being siphoned from my savings account. Throughout the pending investigation, TD customer service and fraud department gave me the impression the situation would be rectified and my accounts would be made whole. The local TD branch managers assured they would communicate any updates to me, but it was I who kept having to follow up and chase them for an update. As a victim of identity theft and a long-time member, I expected TD Bank to be sympathetic to my situation, but instead was given policy jargon as a reason to deny my claim. None of this speaks to the stellar service they advertise. As a result, the final balances of my accounts were left at : Checking : {$0.00} Savings : {$1700.00} My original balances before the fraudulent activity were : Checking : {$210.00} Savings : {$5000.00} In total, I have lost a combined amount of {$3500.00}
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I submited a dispute with my Bank TD on XX/XX/XXXX under the case XXXX XXXX, for 5 trasnactions made on XXXX XXXX and XXXX at XXXX XXXX XXXX The merchant never sent the items to my address and until today I never get the purchased items. The bank requested a letter explaining the case, and also the receipt of the items. I sent them on XX/XX/XXXX and today XX/XX/XXXX I called to know about the status of this claim and they told me that the transaction XXXX was denied because the seller didnt answer them and the other transactions are still in process.
Company Response:
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22 my account was breached and unathorized transactions that stole {$3100.00} from my acct.The bank never notified me but the hackers did.I went to the bank on XX/XX/22 and had all mynaccount numbers changed and new cards issued.On XX/XX/22 my new account was breached again for {$340.00} while i was making police report again bank never stopped the activity and never notified me.Again had all accounts numbers changed again. On XX/XX/22 my @ nd new account ws breached again for {$1000.00} for the third dy in a row and the bank failed to stop it knowing my acct was breached prior two days before. all transactions were thru XXXX money app. Bank has done zero to stop these transactions and hasnt a clue to how this could happen.ive had my phone inspected by XXXX and XXXX XXXX and at no time did i have any viruses on my phone as the bank suggested. either the bank has a virus in its system or this was done from inside the bank. If i make multiple tranactions on my debot card the fraud dept puts a block on my card with no warning and i have to call them but they allowed 31 transactions to go thru my acct with out even thinking its fraud ... ....
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am resubmitting a complaint I sent in on XX/XX/2022. The complaint should be sent to TD Retail Card Service. The contact number is XXXX and their address is listed in the body of this complaint. I am complaining about the poor experience in the aftermath of purchasing a sofa at XXXX XXXX XXXX on XX/XX/2022. I purchased a sofa from XXXX XXXX XXXX on XX/XX/2022. I applied for a XXXX XXXX XXXX store credit card which I was approved for and I believe the creditor is TD Retail Card Service; Customer Service; XXXX XXXX XXXX ; XXXX SC XXXX. The next day I decided that I no longer wanted the purchase because the furniture is not in stock, there is no scheduled delivery date, and despite this they wanted me to start paying on the furniture without having any idea or promise date of when it was going to be received. The purchase agreement says warehouse stock orders may be cancelled within 24 hours. My purchase was not stocked in the warehouse so based on my interpretation of this agreement this did not apply to me. I contacted XXXX XXXX XXXX on Tuesday XX/XX/XXXX and spoke with the sales person XXXX XXXX and let her know I wanted to cancel the purchase. She told me that cancellations were not allowed, bit she would speak to her manager and get back to me the next day. She did call me back the next day and she told me that i could not cancel. I explained that agreement does not say I can not cancel. I explained that the way I interpreted this agreement it read that warehouse stock orders could be cancelled in 24 hours and since this not a warehouse stock order I should be able to cancel this order since it is not in stock, hasn't been ordered, or scheduled for delivery. She told me that it was a warehouse stock order. I explained that this item is not in stock in any warehouse right now and I do not have delivery date so I am asking you to cancel something that you haven't ordered for me yet. I told her I interpreted the agreement differently. I hung up with her and contacted the manager of the store, XXXX. I explained to XXXX that I wanted to cancel and I gave him the reasons why. He also told me that I had to do it within 24 hours. I explained that technically I was notifying the store within 24 business hours because Sunday was not a business day and Monday the store was closed. I told him the only reason I did not contact you on Monday is because you were closed for business. He stated Sunday was a business day for them and although the store was closed on Monday, people were still there so I could have called on Monday. While trying to explain to him my interpretation of the agreement he hung up on me. I wasn't expecting him to be nasty and rude about this, but it was at this point that it became clear what type of business I was dealing with. I contacted the number on the back of the credit application, spoke with a person named XXXX and requested that she cancel the XXXX XXXX XXXX Credit Card. I will not be doing business with them. I do want their couch or anything else from them. I will not be paying for a purchase that I will not be receiving. The bottom line is that the purchase agreement can be interpreted more than one way. I do not want the sofa so i am voiding the agreement with XXXX no payements will be made toward this because I am not accepting receipt of the merchandise. Shame on XXXX XXXX XXXX and their XXXX customer service skills.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A