Date Received: 2021-10-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently purchased a used vehicle, and the dealer recommended I use TD Auto Finance as the lender. After securing the loan, I enrolled in TD Auto Finance 's Auto Pay Program, and received confirmation via letter of the same shortly thereafter. The letter in part described that " We will deduct {$1100.00} for your TDAF account beginning with your XX/XX/2021 payment and on the XXXX day of each month after that ... '' Subsequently, I received the SAME exact form letter every single day for the next 2-3 weeks in the mail ( and are still receiving said letter ). I contacted customer service at TD Auto Finance and inquired as to why this was occurring, and to ensure that there was no issue with my upcoming XX/XX/2021 payment. The representative at that time said I was one of several calls she had received that week with the same issue, being multiple form letters received in the mail. She assured me this would cease. It did not. Of a more serious nature, however, is that the payment was never deducted as agreed. On XX/XX/2021 I telephoned TD Auto Finance customer service again and inquired as to whether the issue was on my end. At which time I was advised that it was an internal software issue, that multiple debtors were affected, and I would be assessed a late charge for failing to make the payment on time.
Company Response:
State: WY
Zip: 828XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity was stolen and used to enter unauthorized consumer credit transactions with Nordstrom TD Bank. Attached below is my FTC report. Notice, affiant is aware Nordstrom is dissolved in the state of Texas.Therefore Nordstrom does not have the right to collect in Texas.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2021 I was alerted by the FL XXXX XXXX XXXX XXXX that someone using my credentials had applied for unemployment. It was not me. I alerted the university where I teach, as well as the XXXX XXXXhat someone was fraudulently using my credentials to apply for money. I also alerted the three main credit bureaus that fraudulent activity was happening with my credentials. Soon after that.. XX/XX/2021, I received notice from TD Bank ( talked to XXXX ) that someone had opened up an account in my ( XXXX ) name, in order to collect the fraudulent monies. XXXX said he would monitor it and noted that this was fraud. On XX/XX/2021 I received a book of checks from TD bank... so I called XXXX at TD Bank, that day and again on XX/XX/2021 to alert them to this fraudulent activity. I went to their XXXX page to lodge a complaint. I have received NO satisfaction that TD Bank has closed this fraudulent account and taken my name off of it. By XX/XX/2021, I have received bank statements from TD bank.. and a credit/debit card. The statements are showing activity, mainly that the FL XXXX has canceled the deposit, and now there are overdraft fees on that account. As of XXXX, 2021, I think there is still a TD Bank account open, fraudulently and using my maiden name and credentials. I have all the documentation. I can not get resolution from TD Bank.
Company Response:
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or about XX/XX/2021 I received a text stating it was from the TDBank fraud department asking me if I submitted a payment in XXXX for {$500.00} it then stated if yes type YES and if no type NO, so I sent a text back stating NO. I then was told that our account had been hacked and that they were calling me, my phone then rang showing the TD 800 number and when I picked it up they asked for XXXX XXXX XXXX and told me it was the Fraud Department for TDBank and that my online accounts had been hacked and that I needed to log into my account and change my passwords. At that point I felt something was off so I hung up and called TDBank who told me they hadn't texted or called me, I was then instructed that they had to close all our accounts and that we needed to go to the Bank the next day to open new accounts., they also sent me to the Fraud Department to go over transactions that come out of our accounts on a monthly basis and for money desposited electronically into our accounts. I spent 2 1/2 hours on the phone with this girl and she assured me all was set and that we shouldn't have any problems getting our money and others getting paid. Well that was wrong for the next week I spend hours everyday on the phone with people explaining what happened and why the payments were returned. I was getting whacked with overdraw fees on both ends. I called XXXX at the Bank again and she just said oh I'm sorry let me check with the back office and see what happened. On XX/XX/2021 my husband and I went into our local Branch at XXXX XXXX XXXX in XXXX, we sat with XXXX for over an hour setting up all the new accounts. We had a Business Checking, a Personal Checking and a Savings account that were all linked together. After spending that amount of time there we were told everything was all set we could use the debit cards and the new accounts were ready to go. My husband went to the Supply house and tried to use his Debit card and it got Declined. I tried to use my card and it got declined, I then went online and tried to transfer money just to see if it worked and it didn't! I called XXXX at the Bank and she said Oh I don't know what happened the Back Office assured me everything was fine! XXXX never calls back I have to get up every morning and look at my account to see what's happened next in the mean time we couldn't use our accounts. A couple of days later I called and XXXX was off that day so clearly nothing was being done about our issues, so I asked for another Manager XXXX got on the phone and I explained what was going on she said oh my goodness let me check with our back office and see what is going on. XXXX called me back and said we were all set that there was an error made and it was fixed. The next morning I got up and saw that {$1100.00} had been reversed from our Savings account, I again called and got XXXX he stated that he had no idea why this happened and that he would check with the Back Office to see if they can investigate it.I got sick of waiting for XXXX and XXXX to call me back so I called the 800 customer service number and asked to speak with a Manager and I also asked for the number for Corporate I was told they will gladly give me an address to write a letter to them but there were no numbers to contact, the Manager finally picked up and called the local bank herself and spoke to XXXX who fixed some of the issues, they then put me on the phone with XXXX from the Fraud Department so she could help with the automatic payments/withdrawals being allowed to go through. When I spoke to XXXX XXXX told her I had a huge problems with girl I spoke to before and her comment to me was " I am VERY good at my job '' well she wasn't because after spending another hour on the phone with her everything still bounced and TD Bank continued to charge me overdraft charges {$35.00} a whack! Up until today I still haven't received a straight answer to any of this, but I have received overdraft charges on all accounts, to many transfer charges due to them transferring money from one account to the new ones, XXXX was suppose to order me new check which she never did so I ordered them to the tune of {$48.00} which is ridiculous! I am still waiting for an answer to what the XXXX is going on with our accounts, the other day they went into my personal account and reversed my XXXX XXXX money of {$560.00} and again charged me {$35.00} overdraft. I am getting the run around and am extremely frustrated with all of this. I have spent hours of my time on phone calls, I have lost a good amount of money for their Security leak and am exhausted from all the work I have had to do to try and fix this issue. I NEED HELP PLEASE> As you can see the business account money was in there but for some reason they sat on his deposit and charged us XXXX in overdrafts even though the money was there! This is the games TD plays with their customers. Even if there is a pending transaction they charge you an overdraw charge even if the transaction hasn't gone through. This bank is the biggest ripoff!
Company Response:
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD bank/Target is reporting account as unpaid and charge off when in reality the account has been paid since XX/XX/XXXX. The law firm of XXXX XXXX XXXX has notified TD of the payment both electronically and verbally via a conference call that took place on XX/XX/XXXX between the clien, Target/TD and the law firm. TD need to update the account as settled
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021, I sent an outbound wire request from the XXXX XXXX, NY TD Bank Branch ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) in the amount of {$81000.00} to the beneficiary XXXX XXXX XXXX, XXXX. On XX/XX/2021, I was advised that the XXXX XXXX XXXX had not received my funds because the wire instructions that I was provided were not correct. I was advised that their paralegal sent me the wrong instructions and that my money was sent to XXXX XXXX when they actually bank with XXXX XXXXXXXX XXXX. I was told that I was a victim of wire fraud and that I would need to file a wire recall with TD Bank. On XX/XX/2021 at XXXX XXXX, I went into the XXXX XXXXXXXX XXXX NY TD Bank Branch and sat down with branch manager XXXX XXXX XXXX advised me that he would file a wire recall request and that I would receive an update within 3 to 5 business days. I called XXXX at XXXX on 2-hour intervals from XX/XX/XXXX until XX/XX/XXXX looking for an update. Each day XXXX advised me that there was no update and that there was nothing more he could do for me. On XX/XX/XXXX I received a call from XXXX advising me that the wire recall request was rejected and that I would not get my money back. XXXX advised me there was NOTHING more that TD Bank could do to help me. On XX/XX/2021 I contacted XXXX XXXX XXXX and spoke with a representative in their Loss Prevention Department ( XXXX ). This representative advised me that the transaction where I sent {$81000.00} was flagged for fraud because it was not characteristic of the account. I was advised that the money was frozen and could only be released back to TD Bank if TD Bank filed an indemnification or hold harmless letter. I have a recording of this phone call. I contacted TD Bank at XXXX on numerous occasions advising customer service of what XXXX XXXX XXXX had told me. I was told there was NOTHING they could do other than wait for XXXX XXXX to respond to the wire recall request that was submitted on XX/XX/2021. On or about XX/XX/XXXX, I convinced XXXX at the XXXX XXXX, NY TD Bank Branch to file a claim to open a GSI Investigation. XXXX advised me that it would take 5 business days to get an investigator assigned. From XX/XX/XXXX to XX/XX/XXXX I called XXXX on 2-hour intervals asking for an updated to which his response was GSI will respond when someone is assigned and there was nothing more that he could do for me. He advised me that GSI does not take inbound calls and they only had a form that could be submitted. While waiting for a response, I called my local FBI field office and was assigned XXXX XXXX XXXX XXXX ( XXXX XXXX ) to help me with my complaint. XXXX XXXX XXXX sent an email to TD Bank on XX/XX/2021 at XXXX requesting for someone to reach out to me to coordinate sending the hold harmless letter. At some point after XX/XX/2021, I received a call from XXXX XXXX in GSI ( XXXX ) who advised me that the XXXX assigned to my case was on leave and that no one was handling my case. He advised me that he would try to help get my letter sent to XXXX XXXX so they could refund my money. It was not until XX/XX/2021 that XXXX XXXX received the hold harmless letter. According to XXXX XXXX, XXXX XXXX can take 6 to 9 months to respond to this letter. On XX/XX/XXXX, I called XXXX XXXX XXXX and was advised the money was refunded back to my TD Bank account in the amount of {$81000.00} on XX/XX/XXXX. I didnt have that money but was assured by everyone that it could take some time to clean XXXX XXXX general ledger and TD Bank could possibly have the money in their General Ledger before assigning it to my bank account. I later found out that XXXX XXXX DID NOT send the {$81000.00} back to my account. They received an indemnification letter on XX/XX/2021 from XXXX XXXX XXXX XXXX for a customer that was defrauded by this same bank account before XX/XX/2021 for an excess of {$100000.00}. XXXX XXXX used the {$81000.00} that was placed on hold for fraud ( from my TD Bank Account ) to send back to XXXX XXXX XXXX XXXX to indemnify their customer. I have been advised that had TD Bank filed the paperwork before XX/XX/XXXX that I would have received the {$81000.00} back to my TD Bank account. At this time, I am requesting a formal investigation into these allegations. TD Bank has failed to protect the money that I trusted them with. At each level, from the branch, to the wire department, to customer service, and to GSI, there has been multiple failures that resulted in a significant financial loss to my family. TD Bank failed to file paperwork in a timely fashion with XXXX XXXX to recover the funds that they flagged as fraudulent. TD Bank failed to comply with my request to file this paperwork on XX/XX/2021. Had TD Bank acted properly, the request to GSI would have been submitted on XX/XX/XXXX, and processed within XXXX business days to be received by XXXX XXXX on or before XX/XX/XXXX. I look forward to a prompt response and a thorough investigation. After speaking with a customer service supervisor at TD Bank XXXX, I was advised that my only course of action is to mail a letter to TD Bank Chairman Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. I typed the letter and tried to mail it from a USPS location and was advised that this address does not exist. I was told by the USPS that the closest address matching this one is XXXXXXXX XXXX XXXXXXXX, XXXX XXXX NJ XXXX which is a small used car dealership. TD Bank is not communicating with me and providing me with fictitious mailing addresses to mail my complaint.
Company Response:
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XXXX XXXX a Target card was fraudulently opened in my name It looks likes a card was opened on XX/XX/XXXX for XXXX XXXX XXXX , XXXX XXXX Orig CTR on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX There may be more that haven't shown up on my XXXX XXXX
Company Response:
State: FL
Zip: 32025
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XXXX XXXX, I authorized TD Bank to transfer {$280.00} to XXXX XXXX , via TD Bank app `` XXXX '', for the transfer of a Florida DMV automobile title, a XXXX XXXX XXXX. XXXX XXXX ( XXXX ) advertised his services on XXXX XXXX and to contact him or his Florida DMV contacts at FLHSMV Service Center, XXXX XXXX XXXX XXXX XXXX. Because of Covid I wanted to do this transfer online in the comfort of my home. When they emailed me a copy of the Florida DMV Title for the XXXX XXXX, I studied it for accuracy of information and decided to check the Title number with the Florida DMV website and the actual title number I received was active for a XXXX XXXX XXXX XXXX. This proved that this was an obvious scam and fraud to create an official Florida DMV title. I never received the original title in the mail as they had promised. I never used the XXXX app before and now I understand that XXXX does not guarantee delivery of services and is thereby aiding and abetting criminals in these kind of scams and fraud. Checking online this is a real problem with XXXX with millions of dollars being lost without recourse. XXXX is owned by a consortium of US banks which is realy troubling. Further, because TD Bank has this app available on their online website, they are also responsible for aiding and abetting the criminals with international wire fraud and condoning the creation of fraudulent Florida State Documents. I disputed this transfer with TD Bank, as per attached letter, I don't think they ever really investigated my complaint and they never asked for any further evidence which I said I would be glad to provide. What I hope to accomplish with this complaint is not only to get my money back, but also stop the sinister relationship XXXX has with the criminals involved. No recourse disclaimer is not a valid excuse for criminal behaviour. XXXX has to be held accountable especially as it is owned by US banks, not somXXXX XXXX shadow bank. Enclosed some of the evidence I gathered and will be happy to share more if needed. Yours truly, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX XXXX XXXX alerted me on my cell phone that a hard inquiry had been made to XXXX credit Bureau,. I got in touch with XXXX to tell them it was not me and I'd like a freeze put on my credit report. Later that same day I found out that XXXX had a data breach in XX/XX/XXXX. I had just switched my cell phone company to XXXX on XX/XX/XXXX,. Then again on XX/XX/XXXX I received another alert from XXXX XXXX about another hard inquiry. Both of the inquiries above were from Target/TD which is Target new accounts # XXXX XXXX XXXX. I called XXXX and put a freeze on my credit report @ XX/XX/XXXX. On XX/XX/XXXX I received another alert from XXXX XXXX that another hard inquiry from XXXX had been blocked. This is XXXX XXXX XXXX XXXX XXXX XXXX . Someone trying to open a credit card account in my name XXXX XXXX XXXX XXXX I went to the XXXX XXXX Police Dept in the beginning of XXXX XXXX and filed an identity theft report and am waiting to here back from the officer. I also called Target/TD back in XXXX and talked to someone in the fraud Dept about the inquiries,. She asked me a few questions related to the credit inquiries from information on her computer about parts of a phone number and address that the person trying to open an account used and they were not mine but she couldn't give me complete phone numbers or an address. She told me to make a police report
Company Response:
State: CA
Zip: 95949
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account NORDSTROM/TD BANK is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A