Date Received: 2022-03-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I want to report that I am a victim of identity theft/fraud. I was contacted by TD Bank on Friday, XX/XX/2022, informing me of a negative balance on my account. I told the representative that was impossible since I did not have an account with TD Bank. I was asked to verify my information, which I refused. I asked the representative to verify her information on me, which she declined. I then informed her to send me the information in writing. On Tuesday, XX/XX/2022, I received a letter from the bank. I immediately rushed over to the bank in my area. I was informed that TD Bank had already closed the account. Not only was the account closed, but the subject paid the overdraft fee. I was provided with information to report to the three credit bureau agencies, FTC, and Social Security fraud line. The teller also told me that I was not the only person that has reported on identity theft/fraud. The bank seems to have a high number of fraudulent activities. After leaving the bank, I went to the XXXX XXXX Police Department and filed a report. I was advised of the same reporting. The officer also told me that they had increased reports from individuals reporting the same situation with TD Bank. I contacted TD Bank Fraud Department, reported the matter, and requested more details. I would need to wait until the investigative team completed the investigation and provided me with the report, which should provide me with more information to report to the respective agencies.
Company Response:
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unfortunately, I had just gone through the CFPB with an issue I had with TD Bank reporting to XXXX a hard inquiry on my credit report. TD Bank responded to the CFPB that they would remove the inquiry from my XXXX report. They explained to please allow up to 60 days. Sadly it has been past the 60 day due date. This evening I called and spoke to the same representative XXXX whom I had spoken to originally. She said that she could see nothing on her end in computer system. I want TD Bank to now remove this from my credit report immediately. I have copy and pasted their previous response to the CFPB previously. We requested removal of the inquiry and the attached letter was mailed to the consumer. No follow up actions are anticipated. The letter states as follows : We have received your complaint to the Consumer Financial Protection Bureau regarding a TD Credit Card application, completed online on XX/XX/2021. We completed our investigation and confirm that you did not complete the application process initiated via the internet on XX/XX/2021. As a result, we have sent an update to the credit bureaus requesting for the inquiry to be removed. We apologize for any inconvenience caused by the reporting of the inquiry. Please allow 60 days for the inquiry to be removed from your credit reports. If you have any questions, please contact customer service at XXXX.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX I deposited {$500.00} into my TD bank account because I was going to begin using my bank account more. Two days later XX/XX/XXXX someone sent out two different transactions through XXXX XXXX of {$250.00} totaling in {$500.00} that I had just deposited. These were obviously unauthorize, I filed a claim and have yet to receive provisional credit or any type of refund like I was promised.
Company Response:
State: FL
Zip: 32607
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter from Target company on XX/XX/XXXX at XXXX hours stating I had a Target Credit Card application denied. I call the number on XX/XX/XXXX at XXXX and spoke to an agent. I explained to the agent that I did not apply for an application with their company. We went over some items and the agent said to make a complaint to the Federal Trade Commission ID theft.gov. I tried and was redirected here.
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I went into the TD bank XXXX in XXXX fl I went in desperate to get a new bank card due to the fact that there was fraud going on in my account the gentle man was being rude and said oh no I cant give you a card because your Id XXXX XXXX XXXX XXXX XXXX I need to use my money I left very upset told him he was being an XXXX and didnt want to help me I went into the drive thru of the same bank and the gentleman helped me out with my ID expired he still gave me 100 $ out of my account the next day I tried to use my bank account and it was on hold apparently the manager XXXX XXXX had put the hold on my account she took the time to dig into it once I left to get back at me she put a hold on my account and said I had a previous account that I owe XXXX I gave birth XXXX on the XXXX I callled and put my account on a credit status not having a lot of money but had no choice if I didnt pay they wouldnt release the funds its now XX/XX/XXXX still not able to use my money and I allready payed the money I called the branch because the recovery team told me they are the only ones who can remove the hold spoke to XXXX XXXX again and she told me shes the one who put the hold because of how I was rude with teller I said how can you do some like that shes like you want me to help you or not? Over the phone then she stated she will call me back once she found out whats happening now my water has been disconnected due to non payment because Im not able to pay because my account its been on hold this has cause me such a frustration and my kids not having water to shower its been crazy with a new born I dont think this is how people should be treated at all!
Company Response:
State: FL
Zip: 33461
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I became a victim of identity theft in XX/XX/2021. When I became aware of this, I filed a police report, locked down my credit report and posted fraud alerts to the main credit reporting agencies as recommended. In XX/XX/2021, I received a box of checks in the mail from TD Bank. I immediately contacted the bank to let them know I had not opened the account and request the account be closed. However, TD Bank had processed a fraudulent check for the account it now had a negative balance. I have spoken on the phone to both TD Bank 's customer service and fraud department. Neither are will to address the issue. They stated that I will have to wait for it to go to collections where the debt can be written off.
Company Response:
State: VA
Zip: 24060
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: the following accounts are on my credit report as charged off. they were included in a XXXX XXXX bankruptcy. I sent letter ( XX/XX/21 ) to them. But most updated my credit report incorrectly. changed the balance only to zero but still left it as charged off. TD bank USA/Target sent a letter saying they were going to update the credit report but have sold it. they are as follows. td bank usa/ target, XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX oh XXXX XXXX XXXX XXXX, same as above XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX oh XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On or about XX/XX/XXXX, I received a notice dated XX/XX/XXXX about an account ( # ending in that I never requested nor applied for from TD Bank. The notice stated there was a beginning balance of {$0.00} and a {$5.00} payment transferred on XX/XX/XXXX to " XXXX and an account # -- ending in XXXX. The body of the letter stated that an overdraft fee of {$0.00} was assessed. The day prior to this, I had received credit cards ( 2 ) from this company which I already destroyed not knowing what was to come. The next day, I received a batch of checks. I tried calling this company the first day and got nowhere. They said they were transferring me to a fraud department but the calls went dead after a few minutes of being on hold. After that, I called numbers that I found online rather than from the papers they sent me. The bank itself appears to be legitimate but they have done nothing to help me. They have made no move stop this and " close '' the account. They have not verified the account. At one point, I called XXXX XXXX, the company who prints the checks that I know to be a legitmate company. I was promised that they would call this bank and inform them that I had declined the checks. This resulted in somone answering my next phone call but the bank representative merely stated that I should destroy everything and the account would be closed. On XX/XX/XXXX, TD Bank sent me another notice for a DIFFERENT account ( # ending in XXXX -- for which see above ). This one states that the account is overdrawn and that I owe {$35.00}. On XX/XX/XXXX, TD Bank sent yet another notice for this second account that I must deposit {$65.00} in order to clear the overdraft and avoid any additional fees. During my most recent call to them ( today ), I was told only to call XXXX and XXXX. Again TD Bank is not taking ownership of nor helping to resolve an issue that is theirs, but is happy to refer me to the companies who may be receiving bad reports from them about me. This is beyond lunacy. Several things to note : 1 ) I have never heard of TD Bank before this. 2 ) TD Bank will NOT have a signature card on file for me as I never applied for any account through them EVER. 3 ) The checks list a phone number that I have not had for over 10 years. 4 ) One of my acquaintances has begun to receive the same type of documents from TD Bank! I am NOT uploading files at this time but would be happy to do so if they are needed by an agent of the Consumer Finance Protection Bureau.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XXXX XXXX I was notified of a delinquency with my TD Bank mortgage account via credit bureaus. I immediately contacted TD Bank and spoke to a costumer service representative who stated that my account was reported late because the payment I submitted on XXXX was insufficient due to an increase in Escrow. In all honesty I told them thats not considered a late payment being i paid on time.I proceeded to explain to the representative that I never received any correspondence informing me that my monthly payment or Escrow was increasing and that the application use to submit monthly payments doesnt specifically tell you what is the minimum monthly payment due but instead it gives the customer the option of inputting his/her desired amount of payment. My mortgage is usually {$2500.00} but i normally would send {$2600.00}. Furthermore the representative told me that if I made a payment of XXXX it would make up for the shortage of the mortgage Payment for XXXX and all she would have to do is reverse the transaction to show payment was satisfied for month of XXXX and it shouldnt be reported to credit bureaus. Ive reached out to Td Bank consumer credit dispute department via mail and just received their decision that they wouldnt remove the delinquency even though I explained to them that payment was and has never been late and I never received communication from them until the following month after delinquency was reported.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment receipt XXXX to my credit card XXXX on XX/XX/2022, but the payment is not reflected in the statement, now I have interests and and the principal unduly charged in my statement. There is an unresolved dispute with XXXX since 1 month ago.
Company Response:
State: CA
Zip: 92802
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A