Date Received: 2022-03-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Yesterday, I found out that someone fraudulently opened XXXX ( XXXX ) accounts in my name through TD Bank. One TD Convenience Checking Account One TD Growth Money Market Account One TD Beyond Checking Account I filed a report with TD Bank and they have opened up an investigation. I also reported it to all XXXX credit bureaus. They only used my name and address. None of my personal accounts were used.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: HELLO TARGET/TD ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a business checking account online, and now I want to close it. TD Bank is telling me I have to go to a branch to close it, which is very inconvenient. The account has {$0.00} in it, but TD Bank is planning to charge me {$25.00} a month in fees for an account I have asked them to close.
Company Response:
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: received bogues checking account with checks from TD bank in mid XXXX after receiving a {$5.00} dollar check the day before that could only be cashed at TD bank. distroyed both checks and {$5.00} check and today recieved a statement showing activity onXXXX of {$5.00} amounts -- spoke with TD bank on XX/XX/2022 fraud dept said they were showing no activity and but up block on that day XX/XX/2022 Local Police report XXXX XXXXXXXX XXXX XXXX report # XXXX with many victims in this county
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a business checking account with TD Bank. I received a new credit card as my old one was hacked. I called the bank to let them know that I would like my credit card linked to my online checking account so that I can view all my TD bank accounts on one website and make payments check balances etc. When I called the 888 number i was directed to 4 different departments and then the best part the last one told me to go back to the same department I had originally called This incompetence has got to stop as If they don't know their own systems especially when all the banks in the USA offer common online banking information there is something wrong with TD processes. This could result in the consumer being misled in future other transactions or accounts.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have received letters that TD Bank has now 3 open checking accounts in my name, using my home address The account numbers are : XXXX first letter that my account was overdrawn received with a date of XX/XX/22 XXXX also overdrawn first letter dated XX/XX/22 XXXX also overdrawn dated XX/XX/22 acct ending XXXX has sent payments to XXXX XXXX via XXXX acct ending XXXX has sent payment to XXXX XXXX via XXXX acct ending XXXX has sent money to both XXXX XXXX XXXX XXXX and XXXX XXXX via XXXX bank transfer It appears that they are feeding one bank account into the others to keep sending money through XXXX and XXXX Bank maybe As a side note. I belong to a local XXXX XXXX called XXXX XXXX XXXX XXXX and several members were discussing having the exact same thing happen with the same bank at the same time as me. The members name is XXXX XXXX XXXX XX/XX/22 and I'm going to try to attach the page here : https : XXXX
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
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: On XX/XX/22 I paid {$130.00} for 4 international seats to fly on XXXX XXXX. I picked 2 regular seats and 2 exit row seats. I had the worst experience flying from XXXX to XXXX on XX/XX/XXXX. For starters my seat would not recline back. And in addition the passenger in front of me had no mask on and without consideration reclined back his seat for the whole 8 hour trip. I alerted the flight attendant and she confirmed and acknowledged that my seat was broken and offered to do nothing to correct my comfort. Since my layover was 4 hours in XXXX. I went to customer service and asked if I can upgrade my flight to Business Class due to the issues of my seat being broken. They initially quoted me {$200.00}. And under the assumption of the quoted price of {$200.00}. I agreed to pay {$200.00} for a 2 hour Business Class seat and prayed that my seat would recline back for my comfort. But once I got to XXXX I noticed that my credit card was charged {$1100.00} on XX/XX/XXXX. I immediately reported fraudulent activity to TD Bank. I also filed a complaint on XXXX XXXX site as well. Neither parties had did nothing to assist this wrongful issue. I reached out to TD bank. Who in turn left me on hold for over an hour twice then proceeded to disconnect out of no where without getting any resolve. I filed a dispute and they finally said that XXXX XXXX was in the right for charging me {$1100.00} for Business Class. After I explained to them that they had the receipt in written in XXXX and the only language that I know is English. Checking in on XX/XX/XXXX and verifying my two Exit row seats. I noticed they deleted my seats I paid for in the system. I spoke to them at the airport and they were very very nasty and unapologetic about what had happened and did nothing. So Im supposed to let them charge me for seats I didnt pick and let them get away with it? I called TD banks numerous times to reopen both disputes and both times they said a manager would call me back. This is day 6 and no one has responded back to me. TD Bank is the most unorganized and unprofessional credit card company I ever had to deal with. The whole process from me booking my flight with TD Bank with my reward points and for them not to be able to upgrade me to business class like I asked in XXXX has been a disaster. They kept giving me the run around telling me to call XXXX XXXX and XXXX XXXX telling me to upgrade with TD Bank Rewards Dept.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over year and a half, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: According to an email on XX/XX/2020 XXXX pm and prior to, a note for {$100000.00} for the purchase of a property and a stock power for {>= $1,000,000}, was delivered to TD Bank XXXX PA for deposit but was declined. Trustee was told the complete copy of the trust was needed. It was agreed upon under the conditions that they, TD Bank can produce a policy explaining this, signed and dated. They never provided the policy which is a violation in itself when requested by the entitlement holder. Trustee met all requirements for the establishment of the account. Affidavit of Surety and Certificate of Identity XXXX XXXX, fee schedule and UCC1 was forwarded to XXXX XXXX of TD Bank XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX along with entitlement orders on XX/XX/2020 by registered mail # XXXX as Return Receipt for Merchandise and was received on XX/XX/2020. XXXX was notified with no avail. XXXX XXXX will be included in this complaint. I have been damaged. Trust has been violated per Title 15 USC Section 1.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: We received unsolicited debits cards and checks from TD Bank.As stated, we did not request the cards or checks. On XXXX XXXX we contacted TDBank and spoke to the fraud department.They told us that the account associated with the cards and checks had been closed and that a " restriction '' was placed on anything with my name. We are extremely disappointed in the fact that TD Bank allowed the cards and checks to be sent to hundreds of people in an unsolicited fashion. The fact that our personal information was used caused us much trouble and XXXX and hope that TD Bank suffers from their greed.
Company Response:
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A