Date Received: 2023-11-09
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: I purchased a money order for a XXXX apartment application with {$50.00} cash. I purchased it at XXXX XXXX XXXX XXXX draft. On XX/XX/XXXX date of check I filled out recipient information incorrectly. I walked XXXX minutes to XXXX TD bank off XXXX XXXX and deposited check at teller window. I had crossed out the initial recipient XXXX XXXX as they would not accept for not staying XXXX XXXX. I had overdraft protection for ATM benefit and had deposited over $ 1500 month of XXXX and {$130.00} XXXX cash. TD Bank closed my account and online availability to XXXX money into the account for conjoint deposit by mobile upload. TD refuses to give me back the check after teller manager in XXXX XXXX branch assured me mailing back and loss of relationship. I traveled across state lines XXXX to XXXX XXXX XXXX going XXXX hours distance of, XXXX counties to a carbon of " altered '' check and savings and checking statements but no return check. I expect TD to either return the check or credit the closed Convenience checking the {$50.00} credit of refuted check to closed balance.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I purchased a XXXX refrigerator and was offered 12 months no interest. My monthly payment is {$150.00}. The first monthly payment was received and posted without incident. The second monthly payment of {$150.00} was due on XX/XX/. I schedule the payments in advance through my bank XXXX XXXX. Although the payment was properly scheduled and you should have timely posted it, for reasons beyond my control the XXXX of XXXX XXXX intervened and the payment was not posted to my account until XXXX XXXX XXXX When my XXXX bill arrived, there was a {$29.00} late fee. On or about XX/XX/, I contacted customer service, explained the issue to a representative. The representative told me the {$29.00} late fee was removed. The next payment of {$150.00} was due on XX/XX/, and was posted to my account on XXXX XXXX XXXX Notwithstanding, when I received the XXXX bill, it showed the {$29.00} late fee reversal posted to my account on XXXX XXXX XXXX, but there was another {$29.00} late fee even though my payment was on time. Amazingly, when I received the XXXX statement, it contained a {$40.00} late fee for not paying the {$29.00} late fee charged for not paying the original {$29.00} late fee that was reversed on XXXX XXXX XXXX All late fees are improper and should be promptly removed.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX XXXXXXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to TD Bank at the instructions of the scammers. In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity.
Company Response:
State: TX
Zip: 77327
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Today, I am writing this complaint to NORDSTROM/TD BANK USA regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TD bank denied me a reimbursement for my debit card being used when my wallet was stolen on XX/XX/XXXX. There are XXXX transactions that are not mine from this date. I was told to wait until the next business day which was XX/XX/XXXXXX/XX/XXXX to dispute the charges as they would go through my account. I was denied the reimbursement because the card was not used after I was notified to cancel the card. These are the charges I accrued. All from XX/XX/XXXX {$5.00} {$5.00} {$7.00} {$11.00} {$35.00} {$35.00} again {$230.00} Please let me know if any other info is needed. Thank you.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Td/ Target is reporting fraudulent information on my credit file. Please see the attached FTC report and my drivers license and stop the erroneous fraudulent reporting. I have made multiple attempts to speak to Tdbank/target and request the deletion of this fraudulent account and yet this account persists to report on my credit
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Auto Loan completed paid off XX/XX/XXXX- confirmed by TD Auto Finance ( this is not disputed by TD Auto. They agree and have confirmed ) Lean Release reportedly mailed by TD Auto Finance on XX/XX/XXXX. This has never been received. Was not looking for it, not concerned because I still had the car Wanted to obtain Title to sell the car on XX/XX/XXXX. Called TD Auto and was told the document had been mailed in XXXX. Entered a request on XX/XX/XXXX for TD to re-send the Lean Release. This is confirmed by TD Auto Finance and not disputed. XX/XX/XXXX I still had not received the Lean Release. I called and was told that the Lean Release was mailed on XX/XX/XXXX and that I should wait XXXX more days XX/XX/XXXX through XX/XX/XXXX- I have called almost every day to report that I still have not received the document and asking for help. Called XX/XX/XXXX and talked to XXXX. XXXX agreed that it had been too long and said that she was creating an Escalation request to expedite and that it should be mailed in XXXX days. Called 3 times on XXXX XXXX. XXXX ) First talked to XXXX ( different person ) was told that no Escalation was entered but that she would escalate. Was told they could overnight if I had a Fedex number. Advised me to get a XXXX number and call back. Said that she would note in the Escalation that I would be calling back that day with a Fedex number. Got on XXXX website and created an account. XXXX ) Called back and talked to XXXX. XXXX told me there was no escalation process that he was aware of, and that TD Auto could not XXXX. I asked to talk to XXXX and he said he didn't know who XXXX was. I asked if he could look at her note about the Escalation and get her name. He told me there was not record of XXXX creating an Escalation. When I pressed him to transfer me to her, he hung up on me. XXXX ). I called back and talked to XXXX. XXXX was extremely helpful. He told me that there was no Escalation in the system but that he was entering the Escalation. He put me on hold for XXXX minutes and came back telling me he had approval for the Escalation and to have the Lean Release overnighted. I gave him my XXXX number. He was extremely confident and told me that the document would be mailed " Monday ( XXXX XXXX ) or Tuesday at the absolute latest ''. He told me to call on Monday and they would be updating the status. Monday, XX/XX/XXXX - Called again to check status. I was told there was no update to the status but that it would likely go out end of day. Did not right down the persons name but she assured me that the escalation was being processed, and advised that I call back on Tuesday. Tuesday, XX/XX/XXXX- Called to check status in hopes that the document was mailed. The person was at first unaware of the Escalation, stating that the document was mailed on XX/XX/XXXX. When I pressed and told her about the conversation with XXXX and the call the day before, she told me that " Supervisers come into the office on Tuesdays and handle the Escalations ''. She assured me that the Lean Release would go out Tuesday end of day and that I should call back Wednesday ( XXXX XXXX ) she was sure they would be able to confirm the document was mailed. Wednesday XX/XX/XXXX - Called 3 times. XXXX ) Individual that I talked to said there as no record of my request. That the document had been mailed on XX/XX/XXXX. I pressed and pressed, asking about XXXX and XXXX and the Escalation they had entered. No record of it, but she would take care of it now. I said no, I want to know what happened to the Escalation but in by XXXX on XXXX XXXX. No record of any of it. No Fedex number, no escalation no record of conversation with XXXX or XXXX. I asked to talked to a supervisor. She put me on hold and came back and said " I talked to the supervisor and we have entered the escalation in the system ''. I said I've been told that multiple times, what happened to the Escalation entered last week that was supposed to result in the document being mailed yesterday. No answer. She told me this was a XXXX issue and that I should call XXXX. Wow. I said you call them and see where that gets you. It's ridiculous. I continued to pressed multiple times until she finally transferred me to XXXX ( same XXXX as before? ... I assume so but there was no recollection of our prior conversations... hmmm ). XXXX said they had entered the Escalated request. blah blah blah. None of which I believe. I pressed about what happened to the prior escalations. Told her I didn't believe anything I heard from them. I'm getting the same story. She ultimately just flat out Hung Up on me. Yes. Hung up on me. I called back and asked the status. Was told it was being escalated ( yea... I've heard that before ) so I asked to talk to a supervisor. After pressing multiple times, I was finally forwarded to XXXX. XXXX told me that she was approving an escalated request and to have the document overnighted. So this is at least the XXXX person since XX/XX/XXXX who told me this was escalated, and yet every time I call there is no record of an escalation. I pleaded with XXXX. I asked her to let me drive the XXXX hours and pick it up. I asked her to get XXXX on the phone and find out what happened. I don't believe XXXX lied to me, so what happened? No matter what I requested, her answer was always we have entered the Escalation and that I should wait XXXX days for processing. I said I've already waited XXXX days and been told the same thing XXXX or more times. It's always XXXX days. What happens when I call in 3 days, 4 days and 5 days and there is no record of the escalation. She assured me that it would be overnighted and she gave me her full name name and extension. Will I get the document? I'm very doubtful. Will I ever be able to talk to XXXX, or XXXX, or XXXX or XXXX XXXX I'm even more doubtful. It's reported been escalated by XXXX people on XXXX occasions, but there is never any record of the escalation when I call back. I don't know what to do next. I'm going to wait 3 days..for the XXXX time since XX/XX/XXXX.
Company Response:
State: IL
Zip: 60561
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 my online banking was hacked. Someone named XXXX XXXX tried to send a bank check through TD 's online banking " Pay a Bill '' section for {$3500.00}. This transaction did not go through, however on XX/XX/2023 the same process occurred and TD Bank wrote and sent a check to someone named XXXX XXXX XXXX for {$7000.00}. I do not know either of these people. I saw a copy of the bank check sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah. I did not approve any of these transactions and I made that extremely clear to TD Bank multiple times. I disputed this to TD and they claimed it was not fraud and closed my case. I reopened the case and the same thing happened. I reopened the case again and threatened to get a lawyer and only then was a real person assigned to my case and they claimed again that it was not fraud. I had tried to file an affidavit, filled out all the paperwork, and they never filed it. I have spoken to many representatives and none were helpful. The man who I spoke to after I threatened a lawyer was named XXXX. I have gone to the police and filed a police report against XXXX XXXX XXXX but was told that my town 's police department can not help with cyber crimes. I was told that my report is now in all police criminal activity bases around the country.
Company Response:
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A