Date Received: 2022-06-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I thought I was disputing the fee for the target red card and sent them a letter to provide documentation that is legally required based on the Fair Credit Reporting Act and they still did not nullifying the debt. They kept charging me late fees and reported the amounts to the credit bureaus without a letter of dispute - another violation of Fair Credit Reporting Act.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This complaint is regarding a dispute case that was mishandled by the TD bank team on two occasions. I opened an initial case with TD bank on XXXX XX/XX/2022 which was one day from the incident date of XXXX XX/XX/2022. This case was regarding ATM withdrawals at the bank name XXXX XXXX based in XXXX XXXX, XXXX. On XXXX XXXX while making three separate withdrawals, the ATM did not dispense two of the withdrawals on that day of {$250.00} USD each, totaling {$500.00}. The initial case number XXXX was denied by my bank claiming they received the documents from the local bank showing the ATM balance for the day was correct, which was false. Based on the advice of TD bank supervisor, I filed a report with a local institution in charge of such cases called the XXXX XXXX in XXXX, which gave TD bank permission to view XXXX cameras. This report was filed on XXXX XX/XX/2022 which was the same day I opened the second dispute to recover my funds, case number XXXX. Since that day, I faxed additional explanations of the situation to the disputes team on the number provided by TD bank support - XXXX XXXX. I regularly was following up on this case for the past two months. The representatives assured me that the case is in progress and I should await the update. No one from the customer service was able to provide me with any detailed information on the case status and I spent hours on the calls with TD support. The disputes department was only reachable by FAX and I was never able to speak with them directly. What is more, none of the TD bank representatives was able to contact them directly either. There was no one to help me. I asked multiple times if TD bank reviewed the XXXX cameras of my withdrawals which were meant to be provided by the local bank. A number of calls later, two months passed, and during a call on XXXX XX/XX/2022, the supervisor informed me that this case was closed on XXXX XX/XX/2022 which was 3 days from the day it was opened. The local bank had all information available to provide to TD bank to resolve the case in my favor and I received a confirmation from the local branch manager confirming the funds should be returned to me. But the case was closed two months ago in XXXX and no one from TD team informed me about it during a two-month period. I was often provided with conflicting information and excuses. It took a lot of effort to obtain the local report of ATM fraud which I did base on the recommendation of TD bank representatives. During the call on XXXX XX/XX/2022, I was advised that I will have to recover my funds from the merchant ( the local bank ) myself, as TD no longer is investigating my case. The local bank, however, claims the funds will be returned by TD, which is no longer the case. In that time, I received no letter from TD bank stating a resolution to my case. They made false claims they posted a letter at the end of XXXX. The letter never arrived. I asked them to fax me the letter which they said they can not do and I have to go to a local branch which I am unable to do since I am traveling in XXXX right now. TD bank not only wasted almost 4 months of my time ( as the initial claim was opened on XXXX of XXXX ), but by totally mishandling the case they also affected my ability to try to recover the funds locally. They also refused to open a new case regarding this despite the local bank offering updated information. They showed no regard for me as a customer or my funds. They are taking zero responsibility at mishandling my case which resulted in a loss of {$500.00} USD. On top of {$500.00} USD, TD bank also took out an additional {$6.00} in local ATM fees, which according to the terms of my Checking account should be always refunded to me. They not only mishandled the investigation and closed it three days after it was opened without any notification sent to me, but also took the {$6.00} in addition, profiting further from my misfortune. I request that TD bank re-opens my case and reimburse my funds. I filed an internal complaint with TD regarding this and upon asking how this will benefit me, I was told that after the investigation, I will receive a letter of apology. This is truly unacceptable after banking with them for almost 4 years. Apart from re-opening my dispute case, I truly believe that TD bank owes me additional compensation for mishandling the dispute on two separate occasions, misinforming me through the process, wasting my time during the calls, and further undermining my ability to recover any funds at all at this point.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
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: I lost my wallet around the end of XXXX of this year and some of my credit cards were used, one of them being TD BANK credit card, I disputed a transaccin of {$840.00} from XXXX XXXX XXXX XXXX. I spoke to a representative and specified I lost me wallet with my credit card inside it and that I did not have card nor did I make the transaction. Around mid XXXX I realized the transaction was placed back in my account and I called to find out why and they told me that the representative who had originally took my call made a mistake and put that I had my card at the time of the transaction instead of putting that I did not have my card which is why i was charged. I asked for my call with the person to be reviewed so they can see I specifically said I DID NOT have my card and they told me they created a dispute and asked for my case to be reopened but nothing has happened, it is now XXXX and I have called about 5 times now, I have even spoke to a manager who was of no help and said the only thing they can do is ask for the escalation, i called again today and was told nothing is being processed and they can just escalate my issue but that it is on hold and my card is now asking me for a payment which I will have to make to not affect my credit but TD bank is not resolving my issue and I should not be held responsible for one of TD BANKS representatives mistakes! They are not offering me any help, nor any resolution for this, I am beyond stressed out, this is consuming so much of my time calling them over and over to get no proper response or solution which is just messing with my emotional stability and stressing our my days.
Company Response:
State: NY
Zip: 11379
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: My case : I have fell victim to a backdoor scam on the XXXX platform. I have been trading on a site similar to it and now I can not withdraw my funds. My funds are locked on the platform. I used my XXXX account to transfer XXXX to the platform which does work and syncs up with the exchange. I was able to transfer XXXX from the back door platform site to my XXXX and then my bank so it is real. However, now I am being told that I cant withdraw my funds until I pay my share. I have all hashes, screenshots, wire transfers with my bank to the XXXX exchange, and wallet IDs on the platform. I also have contact details with a representative from the platform and the platform URL/domain. Please assist me in reversing this whole situation. Its a nightmare and I want justice or at the very least what I put in. Please contact me at my cell number XXXX to discuss further.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I never applied for Nordstrom card I tried multiple time dispute with credit bureaus and Nordstrom bank they never help me even I have a police report file it
Company Response:
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX NJ XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Inaccurate information reported XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information reported I the consumer contacted XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX Card who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the bank 's function as well as the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance, and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B. I the consumer would appreciate your help in resolving this matter and removing this inaccurate information within 15 days required by the law. Please never ever report this inaccurate information on my report ever again. Thank you for your help and assistance. Sincerely, XXXX XXXX ____________________________ XXXX XXXX
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was placed on an account as an authorized user and removed by the primary user. The credit card company is trying to report this as my charge off.
Company Response:
State: MA
Zip: 01602
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a XXXX Business Checking, Personal Checking, and Personal Savings accounts linked online. Last month I noticed all balances were zeroed and nearly {$13000.00} had been taken from all accounts, including business and both personal accounts, with the transactions being simply listed as XXXX. I contacted TD and asked what this was about and could I please get any paperwork or information regarding this XXXX for my lawyer and was informed there was no information included with the XXXX, and was told it came through with no information on who what when where or why, just instructions to levy the account, there is no documentation we can provide. My lawyer has made calls everywhere and nobody bows anything about any XXXX, and I have not received any calls, emails, letters, or any other notices from anyone about the levy whatsoever. Also, since the XXXX, I have deposited around {$1100.00} into the personal account, and the balance is there and the account is active but Im unable to pay any bills from it, use my card or even transfer money between accounts. How am I supposed to survive or pay my bills? This is unconscionable, please help.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Today 's Date : Friday, XX/XX/XXXX Dear Sir or Madam : I had originally submitted a complaint to the CFPB on XX/XX/XXXX against TD Bank regarding a matter involving fraud by deception involving my personal checking account and debit card. I continued to escalate the matter with TD Bank into early XXXX. Finally, earlier this year in XXXX I was advised to submit a Chairman 's Complaint. I have attached all relevant documents below. By XX/XX/XXXX I provided all documents the bank requested. I followed up regularly with a representative at an XXXX number at TD Bank. However, when they didn't acknowledge the documents had been received I contacted a VP, Store Manager at the TD Bank Branch I had done business with for several years, XXXX XXXX XXXX who oversees the XXXX, XXXX XXXX XXXX. On XX/XX/XXXX I met for 3 hours in the conference room of the TD Bank Branch in XXXX, XXXX XXXX with XXXX XXXX. I explained the history of my matter and he reviewed all my documents. He had a look of shock on his face and said, " XXXX this isn't you. This is fraud!!! '' I said I know XXXX XXXX and it all occurred while I had a yet to be diagnosed XXXX XXXX which I'm told impacted my decision making skills. He then asked me to have my XXXX provide a letter, which I ultimately did which he submitted to be added to my Chairman 's Complaint and it's attached here. I further explained I had submitted a Chairman 's Complaint to escalate my matter 3 times yet I kept being told by someone at TD Bank they hadn't received it. Yet the XXXX, XXXX XXXX Post MasteXXXX where I live that that the Certified Mail I sent Return Receipt Requested was indeed signed by an employee of TD Bank. That is attached here as well. I simply couldn't imagine why members of TD Bank appeared to be playing games or worst yet lying to me. XXXX XXXX then took all of my documents and scanned them by email to his Supervisor to make sure they got to the Chairman 's office. He told me he provided a character assessment of me and argued on my behalf when he emailed all my documents to a higher authority. Yet, here it is Friday, XX/XX/XXXX after repeatedly following up with XXXX XXXX by voicemail, text messages ( those are also provided here in my attachments ) calling the bank branch and sending emails he has gone silent along with no one acknowledging my Chairman 's Complaint nor responding to me. Yesterday, Thursday, XX/XX/XXXX I reached out to yet another TD Bank Branch Manager I've known over the years, XXXX XXXX XXXX, VP, Store Manager, TD Bank Branch, XXXX, XXXX I simply explained without sharing all the details of my matter and asked that he send an internal email to XXXX XXXX letting him know I need for him to call me on my cell phone. He said he would do that for me. It is now XXXX on Friday, XX/XX/XXXX and XXXX XXXX has not called me. I can only surmise that when the Senior Bank representatives saw the letter from my XXXX they realized the letter provides compelling reasons why all my money, including the additional $ XXXX {$10000.00} XXXX XXXX discovered during our 3 hour long meeting on a bank statement I had not analyzed before submitting my initial complaint to TD Bank late last year. I'm having a difficult time understanding how a XXXX bank operating in the United States of America has failed to provide a resolution to a matter that seems rather obvious now that all the facts and supporting documentation has been provided. I look forward to all my money being returned to me as soon as possible. Respectfully, XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a TD bank card, I have numerous times paid with a new checking account and have asked them to change from the old bank account, of course they don't. I have tried to login on multiple times and looked to reset my username and password. It shows me a screen that asks me to call a number XXXX XXXX XXXX XXXX. When you enter your card number it hangs up on me after wasting 5 minutes of my life here on earth. TD bank and Target have the worst credit card system out the many cards I have used. I think both are not capable of handling credit cards systems ( just my personal thoughts ).
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A