Date Received: 2022-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited Checks ( scanned deposit ) - {$5000.00} each XX/XX/XXXX, XXXX XXXX. I let the bank know that I filed my XXXX and that I was accessing my Birth Trust Acct SSI Trust account with my negative financial instruments. TDBank told me that I can not access these funds with a simple checking account and that I must come in and set up a Trust bank account for those transactions. But over the phone I had spoken with a customer service rep with TD Bank and she told me my funds would be released to me by the following Wednesday. I had explained my whole situation to her and she said these funds " Will be RELEASED by the following Wednesday. I am the authorized signer on this account and I am alive and making a " Money Order '' demand that TD Bank must honor. A few days before that following Wednesday, TD Bank froze and locked my access to my checking account and online access. Now when I call online TD Bank customer service do not see a checking account ever existing for me. I do not have any past history of debits or withdrawals. It's as if my checking account never existed. TD Bank has requested that I come in with a Living Trust so they can set up a Checking Trust account for me. This is hard to do if my funds have been frozen and I do not have access to my funds to pay to get Trust drawn up and notarized. I should been able to access my funds NOW. TD Bank did not give me full disclosure that they were keeping my deposited checks for months and claiming them as abandoned and then making them financial instruments and placing them on the stock market and making millions of dollars off of my signature and not sharing any of the profits with me. TD Bank is acting as a gatekeeper trying to block me from my money. I demand access to my funds and demand full remedy and claim all moneys made from my banking instruments and signature through my SSI number XXXX ( to access my Trust at the US Treasury XXXX ) and Birth Certificate. I demand funds to be deposited in my restored checking account ending in XXXX. XXXX Filing Number : XXXX 15 U.S.C 1666d UCC 3-104 UCC 1-308/UCC 3-419 HJR 192 12 USC 18 USC 8 UCC 3-603/ 3-311 without recourse XXXX XXXX XXXX Beneficiary I living flesh and blood woman who is alive
Company Response:
State: NJ
Zip: 08822
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My TD debit card was stolen on XX/XX/ XXXX The theft of the card was discovered by me on XX/XX/ when I wanted to make a purchase with it. I immediately checked on my account online and saw the fradulent transaction for {$1700.00} at XXXX XXXX on XX/XX/ XXXX which caused an account overdraft. I called TD Bank and reported my card stolen and opened a claim to have the funds returned to me. In about 10 days I received a letter from TD Bank that the claim was denied because I indicated that the card was in my possession when the fraud occured. Clearly, this was a mistake, because I reported the card stolen. I called the bank again, explained that the card was NOT in my possession and the claim was reopened. The provisional credit was posted to my account on XX/XX/XXXX for the same account, along with a refund of overdraft fees I was charged because my account went into overdraft. On XX/XX/ I received another letter from TD that the claim was again denied because the fradulent transaction did not fit the regular fraud activities ; i.e. there were no small testing charges first and the transaction did not deplete the account. I called TD Bank again for an explanation of these reasons, but I did not receive a satisfatory explanation. The investigation was complete and the claim was denied based on the reason stated in the letter. I asked about what investigation took place and I was told that the documentation will be mailed to me. I have never received anything. I was told that I should have reported it to the police and sent a police report to TD Bank. Note - I was never told that in any of the prior calls. I was also told that I need to take up the claim with the vendor who owes me the money. Laughable suggestion. I proceeded to get a police report from XXXX XXXX in XXXX XXXX, NY where the theft of my card occured. The report was taken and today I finally received a mailed copy of the report, which I now faxed over to TD Bank. I did also call them and was informed that there is no guarantee the claim will be reopened and reexamined. With filing the complaint with CFPB, I am hoping that I can be finally recognized as victim of fraud and be made whole financially. Thank you, XXXX XXXX
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, a fraudulent check was cashed for {$7300.00} from our joint checking account ( married couple ). The check # XXXX had been stolen from a US post office mailbox ( apparently ). The original check # XXXX had been written on XX/XX/2022 to TD Bank to make a credit card payment of {$350.00}. The {$7300.00} check ( now re-dated XX/XX/2022 ) was cashed at XXXX XXXX XXXX on XX/XX/2022 by XXXX XXXX. In the copy of the scanned check provided by the bank, you can clearly see that the fraudulent check was written over the original check -- with the original writing showing beneath the fraudulent writing on the check. When the check was cashed it XXXX out our account -- to the penny -- it cleaned out our checking account. As soon as I saw this in my TD Bank app, I went directly to the bank on XX/XX/XXXX and reported the problem -- that I had not written a check to XXXX XXXX for any amount. I had proof that the {$7300.00} check amount was overwritten because I use duplicate checks and I showed them the original check duplicate copy. At that time, bank personnel agreed that this was clearly fraud and they contacted their Fraud department to report the problem. I was told initially that because we had caught it so early that the bank would refund the money within 10 days. However, even though I showed them the duplicate check they did not make a copy of the proof and said they didn't need it. Two weeks later I got a letter in the mail asking for the proof, which I had offered them the day a reported the fraud. I went back to the bank again to re-show them the duplicate check and this time they made a copy of it. To prevent further fraud on our checking account, on XX/XX/XXXX, I closed our checking account and opened a new one, which was an inconvenience but the prudent thing to do. I have been back to the bank numerous times to check on the status of our case and expected the money to be refunded long ago. After 10 days had passed, they said it might take three weeks. They are now telling me that TD Bank has to recover the money from XXXX XXXX XXXX before they can refund the money to our checking account. It could take up to 120 days. Now it's been nine weeks and our funds have not been replaced. This has caused hardship for us because we need those funds to pay bills. The bank has more ability to float the funds than small consumers like my family. TD Bank 's treatment has been unfair and misleading. They have changed the timeline of our refund numerous times, which makes it difficult to plan our budget for bill paying. We are unable to contact TD Banks fraud department directly. The letter they sent me provided no contact information except a name. Even the bank manager says that the fraud contact does not answer her emails and she has no phone number for him. I want an immediate refund. It is clear that we did nothing wrong and that the banks cashed a clearly fraudulent check. We filed a police report but nothing has come of it. In addition, XXXX XXXX forged another fraudulent check from our account on XX/XX/2022 for {$8300.00}. This time it was a completely fraudulent check ( not an original check written over - but " made up '' ). This transaction caused TD Bank to automatically remove that amount from our Savings Account to cover the overdraft in our checking account ( an overdraft protection service ). Because we had closed the original checking account, the bank did not pay the {$8300.00} check, but we had to move money between our savings and checking accounts to make sure that other checks did not bounce with additional overdrafts.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
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: " 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: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a collection letter from XXXX dated XXXX XXXX that is not mine. It was a fraudulent account. I have previously communicated with Nordstroms that is the owner of the account with out success.
Company Response:
State: PR
Zip: 00921
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I tried to fix this with the company on several occasions. They charged late fees when bills were not sent to the correct address and they were not received which is a violation of my rights as a debtor. Also, they reduced my credit limit in retaliation to my complaint. If this is not resolved I will file a summons and complaint in Connecticut, to recoup illegal fees charged when statements were not sent to the correct address after updating it with the company. Please send legal department 's contact information.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card and phone was lost There was purchases on a crypto currency site using my card in XXXX When the first set of transactions posted they gave me a provisional credit and told me when the second set post call back to make a claim which I did and they denied me i reached out to the site where the purchase was done who confirmed that it was not done by me and told me to start a charge back in which thats the only way they can pay me back because its a crypto currency site and they have certain rules to follow
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made a {$220.00} Cash payment at the Target Store in XXXX, MN towards my Target Redcard Store Credit Card. Its long been Targets custom to apply the payment right away when its paid in cash as thats likely the quickest tender to do so with. When the payment didnt show up on my account a few hours later I figured they might be having some system issue and waited until the next day to contact Target Customer Service XXXX The next day on Wednesday, XX/XX/XXXX at XXXX AM CT I called Customer Service to inquire about my payment and why its not in my account. I was connected to a Target Service Rep who informed me it now takes 24 hours for cash payments to show up and apply to your account and with that I asked if this was a new policy, to which he responded sort of. The Target customer service representative informed me that the payment would show up later on in the early evening CT as I had made the payment that prior day during the evening at Target. I just left it at that and said thank you and ended the call. I checked my Target Credit Card account again this evening the XXXX of XXXX about XXXX PM CT and it has still not been updated to show my cash payment.
Company Response:
State: MN
Zip: 55016
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To whom this may concern, I would like to address my concern also my concern also addressed to the CEO XXXX XXXX. Over 1 month ago Target red card sent me a letter on XX/XX/18 saying my account is closed which is so mind bothering I did nothing wrong I submitted my payment now they closed my account and this going to affect my credit score and become a very badly. I even made means right, I returned the items I bought to get back to my balance even made a payment at the store the other day please open my account back OR Make means right either offer an arrangement or settlement. Target red card has truly impacted credit and lied serval times they so call state As a result, your account was closed per the terms of your credit card agreement due to multiple returned payments. When I only authorized one payment why would I make 2 payments in a month .... please help me to understand how fraudulent your system works and send out a arrangement saying multiple payments returned accounts can be closed.I requested this over 1 month ago and still nothing received expected for being lied too your Reps are not trained and they are no help they told me to upload my bank letter which I did and still never heard anything back its kind of sad this is the way a credit company treats their customers. I heard nothing but from them back on.. I SPOKE TO XXXX AND STILL NOTHING RETURNED. TARGET HAS ALOT OF EXPLAINING AND I WANT THE CEO TO CONTACT ME.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A