Date Received: 2023-11-14
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: on XX/XX/2023 i received a phone call from target wanting a conformation that I tried to open a credit card account which I did not. So they were going to cancel the application.
Company Response:
State: OH
Zip: 43616
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The night of XX/XX/XXXX I checked my TD online account and noticed that my account balance was much lower than expected. Upon reviewing the transactions I saw XXXX large withdrawal transactions. A withdrawal of XXXX and XXXX dollars on XX/XX/XXXX from the XXXX XXXX XXXX XXXX TD bank location and XXXX cents from XXXX bank ATM in XXXX on XX/XX/XXXX. A total of XXXX was taken from the account and XXXX in atm fees. I immediately contacted TD banks fraud department and notified them about these fraudulent transactions. The representative I spoke with informed me that the transactions were completed with a newly administered debit card. The debit card I still had in my possession was set to expire XX/XX/XXXX, so the bank automatically issued a replacement card via mail. This replacement card was mailed XX/XX/XXXX but never received by me. The representative informed me that the card was activated by the other party on XX/XX/XXXX then they proceeded to withdraw money. I submitted an affidavit explaining I wasn't the one who made these transactions and had it faxed to TD fraud from my local TD bank location. I closed both my checking and saving account that was connected to the compromised card and reopened new checking and saving accounts on XX/XX/XXXX I've filed XXXX claims with TD bank already, but they keep being denied, saying that a valid card and pin was used to make the transactions and not being further investigated.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I called TD Bank Credit Card number XXXX to dispute payments done by scammers. The TD credit card representative laugh at my request for help over the phone, canceled my TD credit card and I had no access to my online account. TD Bank continue approving fraudulent charges on my account after I reported the fraud by the scammers. For the past XXXX months I am disputing scammers charges on my TD credit card account without any resolution. I file a police complaint on XX/XX/2023 that more than XXXX credit card was involved and charged by scammers. The other banks helped me right the way and stopped all the fraudulent payments and money transfer on my credit cards : XXXX, Bank XXXX XXXX, XXXX XXXX XXXX XXXX. Only TD bank continue approving fraudulent charges and transactions. TD Bank XXXX Department closed my case numerous times, reopened it to close it after few days, when the police called TD Bank with my information on XXXX, TD bank refused to discuss my case. Many TD customer service representative shared information with me over the phone that TD bank do not trust their customers when they dispute fraudulent charges. Every next representative was more difficult to deal with and unable to help me out transferring my calls to another TD Bank customer service representative. TD bank credit card company placed all five charges back on my account plus interest for the past two months. Total amount {$5400.00} plus interest of over {$230.00}. XX/XX/2023 XXXX XXXX {$100.00} XX/XX/2023 XXXX XXXX {$250.00} XX/XX/2023 XXXX* XXXX {$1000.00} XX/XX/2023 XXXX XXXX XXXX {$2000.00} XX/XX/2023 XXXX XXXX {$2000.00} All transactions were approved by TD bank after my call on XX/XX/2023.
Company Response:
State: CT
Zip: 06854
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was being charged for XXXX and never authorized it and never used it for some woman on the internet. I wanted to cancel XXXX but they were unwilling to do so. I paid {$50.00} charged by the bank to cancel the payments but I am still being billed for something I never authorized or used. Could you please have the TD Bank cancel XXXX and no longer charge me the monthly fee. TD promised to reimburse me the fees for the past months but now refusing to do so. I am being charged for XXXX which I do not want and never ordered.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to express my extreme dissatisfaction with the handling of my claim regarding an undelivered package financed through Nordstrom Card Services, managed by TD Bank. The denial of my claim and the lack of accountability in resolving this matter are unacceptable. I made a recent purchase from Nordstrom using my Nordstrom Card, which is managed by TD Bank. However, despite the package being marked as delivered, it was never received. The shipping receipt contains a signature that does not match mine, as I did not sign for any package. I have taken the following steps to address this issue : 1. Contacted Nordstrom : I immediately contacted Nordstrom 's customer service to report the undelivered package and the discrepancy in the shipping receipt. Nordstrom redirected me to TD Bank, claiming that they are responsible for resolving the matter. 2. Contacted TD Bank : I promptly contacted TD Bank 's customer support and filed a claim regarding the undelivered package. However, my claim was unjustly denied, with TD Bank insisting that Nordstrom should handle the issue. This situation has left me in a distressing and untenable position. I find it completely unfair and unreasonable to be caught in a dispute between Nordstrom Card Services and TD Bank, with neither institution taking responsibility for the resolution. I demand immediate action to rectify this situation and provide a satisfactory resolution. Specifically, I expect the following : 1. Thorough investigation and resolution : I insist that Nordstrom Card Services and TD Bank collaborate to thoroughly investigate the undelivered package and the discrepancy in the shipping receipt. It is imperative to rectify this issue promptly and ensure that I am not held accountable for an item I did not receive. 2. Clear communication and updates : I require consistent and transparent communication from both Nordstrom Card Services and TD Bank regarding the progress of my case. It is essential that I am kept informed of any developments or actions taken to resolve the issue. 3. Accountability and responsibility : I demand that both Nordstrom Card Services and TD Bank acknowledge their respective roles and take full responsibility for resolving the issue. The burden should not fall on the customer due to an internal conflict between the store and the bank. I trust that you comprehend the severity of this matter and the impact it has on customer trust and satisfaction. As a long-standing customer of Nordstrom and a loyal cardholder with TD Bank, I am appalled by this experience, which has significantly damaged my confidence in both institutions. Immediate action is crucial to rectify this situation and restore my faith in your services. I expect a prompt and satisfactory response to this complaint. Please contact me at your earliest convenience to discuss the necessary steps to resolve this matter.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: We requested that the accounts for XXXX XXXX XXXX were closed in writing in XXXX, XXXX. We received a letter confirming that the accounts would be closed. We received a letter indicating that TD BANK failed to close account XXXX at the time requested. Please close the account as it should have been done in XXXX, and correct the balance to zero removing any of your invalid fees.
Company Response:
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I already paid this account, but they continue to report incorrect information on my credit report. As you know, the Fair Credit Reporting Act ( FCRA ), as described in 15 USC 1681, requires that I provide accurate information about my account.
Company Response:
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a " XXXX XXXX XXXX XXXX Account '' with TD bank in XX/XX/XXXX with an opening XXXX. According to their advertising and what I was told when opening this account, that the interest rate would go up based on the amount in the account. The starting interest rate as advertised should have been XXXX XXXX. After XXXX XXXX XXXX ( it is now XX/XX/XXXX ) the interest rate on this account is at XXXX XXXX. It has not changed and the account now has in excess of XXXX. According to the advertising this interest rate should now be XXXX XXXX, but it was still reading only .XXXX XXXX I called TD Bank today and explained this to them. Their answer was that they stopped using the " XXXX XXXX '' product and are onto a " XXXX XXXX '' moniker. And the bump rate only applies to this new " XXXX XXXX XXXX product. NOTE THAT the online banking at TD bank still shows the " XXXX XXXX XXXX XXXX '' language. The rate never moved since opening the account. I was never informed that my account was no longer in the current product line. I never got the advertised interest rate for the initial deposit nor the " bump '' in the rate for increasing my savings. HOW IS THIS LEGAL? After my call they are moving me into the new " XXXX XXXX XXXX XXXX '' line. But after having my money in there that long and only seeing a XXXX XXXX interest rate, shouldn't they owe me some money? This sounds like a scam! Any thoughts? Another bank is already being sued for this. XXXX XXXX XXXX This is exactly what is happening to me.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
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/2023, I was using my personal XXXX laptop and unexpectedly received a popup prompting me to enter my XXXX XXXX password. At that time, that popup seemed harmless indicating some issue with my XXXX XXXX password. So, I clicked cancel multiple times until it disappeared ( it took at least 10 tries for that to happen ). However, a few hours later, that same popup reappeared. After doing research on XXXX about this popup, others indicated that entering the password in the popup is needed to resync my XXXX account. So, I entered my password and the popup did not appear again and did not notice anything unusual. The following morning, I logged into my XXXX XXXX and XXXX accounts and, to my surprise, I noticed that my points balance was significantly reduced. So, after researching further, I discovered that under my XXXX account there were tons of activity and someone was able to purchase digital gift cards with my connected credit card accounts using points which does not require any additional authentication ( another major security issue ) as well as the credit cards saved on my XXXX profile. At that point, I spent hours on the phone with XXXX, XXXX XXXX and XXXX explaining the situation to prevent any more damage to my online accounts and credit cards. The only way someone could have accessed all these accounts is if they had access to my master XXXX password vault which was compromised when | entered it on the popup that I mentioned earlier. To further explain, my XXXX XXXX account contains not only the passwords/credential information but also full credit card information ( numbers, expirations and CVV ) as this is a security feature offered by XXXX XXXX to sign into websites and use save credit card numbers for shopping online. At that same time, | went ahead and changed all my passwords to the affected websites that! became aware of at the time ( XXXX, XXXX and XXXX ), removed alt linked payments and was in continuous contact with XXXX as well as XXXX and XXXX XXXX about the situation. Eventually, XXXX, XXXX XXXX and XXXX investigated the transactions and refunded back all my points and unauthorized charges. It was not until XX/XX/2023 when noticed a {$1400.00} payment withdrawn from my checking account for my Target Mastercard credit card that | did not recognize. I have Autopay on all my credit cards to pay the Full Balance. So, when | looked at my Target.com account, I was shocked to see multiple orders listed using my Target same time the above fraudulent activity occurred. So, I contacted Target Mastercard support well as the Target gift card support to report the fraudulent transactions. My Target.com account has a total of 16 online orders for digital gift cards, 10 of which were canceled due to technical error which to me indicates something seriously wrong with all these transactions and my account. Here are the Fraudulent Target.com transactions and amounts I was charged for : XX/XX/XXXX TARGET.COM {$470.00} XX/XX/XXXX TARGET.COM {$95.00} XX/XX/XXXX TARGET.COM {$230.00} XX/XX/XXXX TARGET.COM {$230.00} XX/XX/XXXX TARGET.COM {$200.00} XX/XX/XXXX TARGET.COM {$200.00} I reached out to Target Fraud department multiple times and I am always told that we can not discuss this over the phone and I should have received a letter. However, I never receive these letters and every time I speak to someone I am never given satisfactory answers. I have always been transparent with the Credit Card company and spent many hours to collect documentation related. I also went to the Police and also filed an Identity Theft claim. I have attached all the documentation I have collected as PDFs and I have sent that to Target Fraud Department.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: hello I haven't been able to open a bank account for more than a year now.
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A