Date Received: 2021-12-27
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: To Whom It May Concern, I opened up a simple savings account at TD Bsnk on XX/XX/2021 on XXXX XXXX and XXXX XXXX in XXXX and I was told that everything was fine when opening up my account with XXXX XXXX using a XXXX social insurance number. After not being able to login to my account with the TD app and calling TD bank numerous times to no avail, I went back to the branch. I was then provided with the same firm I filled out before to fill out again and was told I would be able to transfer funds into my account at the end of that week on XXXX XXXX A couple of days later I went into the XXXX XXXX XXXX branch and met with XXXX XXXX and also opened up a Checkings account. XXXX XXXX told me that my simple savings account was still not opened up with TD bank because of an issue with using my XXXX social insurance number. That same meeting, I was told that the issue was being dealt with by the back office and XXXX would let me know what was happening by email a couple of days later. I still have not heard back from anybody at TD bank regarding the hold up providing private and confidential information to TD to bank.
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Re : Application ID XXXX Notice to all, I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof or the surname/given name XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and hereby claim that I will d/b/a XXXXand autograph as the agent, attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I dispose the following facts, so be it, now present : Fact, the Equal Credit Opportunity Act and the Consumer Credit Cost Disclosure are intended to secure my right to credit. My rights have been denied and I have been discriminated against so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of fraud and theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that TD Bank USA , N.A. violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that TD Bank USA, N.A. violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. TD Bank USA, N.A. denied me credit. Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 6802, TD Bank USA, N.A. may not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with TD Bank USA, N.AXXXX, be deleted permanently from all consumer reporting agency databases including but limited to XXXX, XXXX, XXXX and XXXX XXXX. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used. Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that TD Bank USA, N.A., fraudulently obtained my nonpublic personal information from XXXX because I did not provide either corporation with written instructions to furnish my consumer report to TD Bank USA, N.A. Also, I did not provide TD Bank USA, N.A. with written instructions to retrieve my consumer credit report. Fact, Affiant is aware and has proof pursuant to 15 USC 1611, TD Bank USA, N.A. is criminally liable for violating 15 USC 1602 and 15 USC 1605 because I received no benefit. Also, a finance charge was involved in the consumer credit transaction I initiated on XX/XX/2021 but there was no mention of a check being mailed to me, the original creditor, for a finance charge in the adverse action letter I received. Fact, affiant is aware and has proof pursuant to 15 USC 1691, TD Bank USA, N.A., can not deny me the credit I requested. TD Bank USA, N.A. has discriminated against me for exercising my rights to credit. Fact, affiant has identified your Georgia registered agent. If TD Bank USA, N.A. fails to comply with federal law and meet my demands, affiant will seek legal action in a court of law.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: My name is XXXX XXXX and have been trying for weeks in an attempt to get my dispute of fraudulent charges/ unauthorized transactions approved by Td bank with no success in which I have done everything they have asked. I am a victim of clear fraud through the social media app called XXXX. My friend on the app named XXXX XXXX XXXX had his account hacked and his identity stolen. The hacker impersonated XXXX XXXX over XXXX prompting me to use XXXX to invest under false pretenses. At the time I was not aware he was hacked, I thought I was investing money with a friend. I authorized {$1000.00} using a crypto exchange app called XXXX in which I got a td text to approve. I soon saw unauthorized transactions of another {$1000.00}, {$8200.00}, {$240.00}, {$30.00}, {$30.00} which I DID NOT AUTHORIZE and DID NOT GET A TD TEXT. I got suspicious when I was not able to get my investment or profit back so I contacted my friend with another form of communication in which he informed me he was hacked on XXXX and reported it. Knowing that I got defrauded from identity theft, I had provided police reports, reported to Federal Trade Commission, office of general attorney to Td bank to get disputed as I should as per FTC clearly stating this is fraud. As per police, it is fraud. I have done all that is asked to have these fraudulent disputes approved yet with no success.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received a text from XXXX that someone opened an Account with XXXX XXXX and TD bank.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: My credit report monitoring company informed me that on XX/XX/2021 a chacking accou t was openedon my behalf. This was done at a TD Bank branch located at XXXX XXXX XXXX, XXXX, SC XXXX. This although all my credit and Social Security Number are frozen or locked. I have not opened any accounts at this branch or any other TD Bank branch.
Company Response:
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been requesting, since XX/XX/2021, verification of this alleged debt that TARGET TD claim I owe and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet they failed to do so for me... why is that. They never send documents to validate it
Company Response:
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: this is my third complaint. I contacted them XX/XX/XXXX via email to XXXX I sent them a PDF showing that I had paid. I did not receive a response. I did not look at the XXXX statement ( electronic ) because I thought it didn't reflect the last payment. I received a XXXX statement with a host of late fees. which is peculiar for something that was paid in full 2 months before I spent this morning going through each statement and found that my payments showed I was paid in full. I discount any and all late charges, it is a 24 month loan and I paid ahead ( I guess that is my sin, trying to pay early ) I expanded my spreadsheet because I found that although the statements show all my payments, their transaction history omits 6 payments from XX/XX/XXXX through XXXX/XXXX/XXXX and the last payment XX/XX/XXXX my bank statements show the funds being transferred
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I submitted a fraud report with XXXX for the accounts Nordstrom/TD bank, XXXX and XXXX XXXX XXXX. These accounts were charged off and placed as derogatory due to an incident of identity theft back in XX/XX/XXXX. Pursuant to Section 605b, these accounts need to be removed
Company Response:
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Bank : TD Bank Fraudulent charges due to stolen credit card information. I reached out to TD Bank back on XX/XX/XXXX in regards to several charges that were obviously fraudulent. The charges are listed below : XX/XX/XXXX XXXX XXXX XXXX NY {$25.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$44.00} XX/XX/XXXX XXXX XXXX XXXX WA {$210.00} XX/XX/XXXX XXXX XXXX XXXX WA {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY {$3.00} XX/XX/XXXX XXXX XXXX XXXX NY {$66.00} The charges XXXX and after have been reimbursed but the ones before that have been denied. The bank is not being helpful and any attempts to reach out to the disputes department have been futile. I am also attaching an image of my XXXX transaction showing that there is no {$25.00} charge on XX/XX/XXXX when my information was stolen and used. I am extremely livid and would appreciate any help from CFPB because my bank is unresponsive.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX is calling using an fake or spoofed caller id. They have called numerous times with fake caller id.
Company Response:
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A