Date Received: 2021-09-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had bank fraud occur on XX/XX/21 and the financial institution ( TD Bank ) is not paying me back or responding to my follow ups. I have filed numerous claims, called multiple times and went into local bank branch and no one calls me back to follow up... I was robbed of every XXXX I had to my name, the damages are in the area of XXXX and now I cant pay one bill and literally no one cares at this bank. I haven't a clue what to do next... .I am very hesitant to upload more personal information regarding myself since this may have been part of the problem w/ getting hacked to begin with.
Company Response:
State: FL
Zip: 33486
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened a fradulant bank account in my name
Company Response:
State: NY
Zip: 14020
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, received a call from TD Bank Fraud line : ( XXXX ) XXXX, " XXXX '' told me that there was fraudulent activity about to happen on my checking account. He gave me five ( 5 ) codes to " clear the fraudulent activity ''. On XX/XX/XXXX discovered that {$1200.00} had been taken from my checking account. On XX/XX/XXXXs, went to TD Bank, opened new checking account / new VISA debit card. Was told that it would be " 3-5 days '' and my funds would be returned to me. I asked how this occurred, customer service said : " I have no idea '' Subsequent staff would then tell me that hacker had disguised his number to appear to be from TD Bank. I have spoken with TD Bank on the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, with NO resolution. Each time I am told it will be 5-10 days to resolution, then discover that TD Bank gives itself 45+ days to " resolve '' issues. Enclosing two ( 2 ) form letters from TD Bank dated XX/XX/XXXXand XX/XX/XXXX denying my claim, asserting that I approved the transactions. Enclosing also statement of the transactions from my TD Bank. I have no knowledge of an : XXXX XXXX, to whom the money was directed. During the telephone call, I was prevented from seeing the result of my responding Yes by the hacker. It seems to me that TD Bank is deciding in the bank 's favor far too quickly. I am a TD Bank customer since XXXX. I use twelve ( 12 ) checks per annum for rent payments. i pay utilities online using my VISA debit card. Then, I drain my account in one evening to an unknown third party? Inconsistency like this does not raise any red flags with TD Bank? The staff members whom I have spoken with at TD Bank have helpful, however, anyone able to authorize any refunding of my funds makes themselves unavailable at all times. When I mentioned my attorney becoming involved, they refuse to reveal a contact person at TD Bank. I was told that : " your attorney will know who to contact ''?! Subsequent calls to TD Bank after XX/XX/XXXX indicated to me that the staff were becoming less and less helpful and / or cooperative. TD Bank calls this " customer service ''?
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX I received a email from my XXXX saying there was a credit inquiry. It was problematic because my XXXX account is frozen. I placed a freeze to prevent identity theft. When I called XXXX, they informed me that there are exemptions to the credit freeze, such as being in business with them because I have shopped there. I informed them I do not have any credit cards, and have never given them my information. How was it possible to inquire on my credit when there is a freeze and I was never contacted. to which they hung up on me. I would like this inquiry off my account as I did not do it, and I am still unaware of how anyone was able to inquire with my account being frozen.
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In or around XXXX of 2021, I received a letter from TD Bank claiming I owed them approximately {$140.00}. The alleged debt originated with Raymour and Flanigan, a furniture company that I had a financing account with. I first contacted Raymour, because I did not make a purchase on the account for at least six months prior. The source of the charge was not identifiable from my bill, and it took five or so phone calls to the store that the charge originated from to even get a description of the item I supposedly purchased. I spoke with several managers and other personnel who worked at the store, and eventually I confirmed the I did not put the charge on my account, and that it was likely a computer error or some other error on Raymour 's end ( Raymour later confirmed this ). Rayour refused to correct the error and insisted that I resolve it with TD Bank. TD Bank consistently sent me back to Raymour, saying they could not fix the issue on their end. I was stuck in this pattern for over a month, calling several times a week. Eventually, I disputed the charge with TD Bank. Over the time I was dealing with the dispute, I was told at least three times that my account qualified for " payment protection, '' meaning I would personally incur no penalties for not paying the outstanding balance while my dispute was pending. At least one month later, I received a letter from TD Bank saying that it ruled against me in my dispute. I immediately contacted the bank to determine what happened, and was told over the phone that the bank had actually ruled in my favor and a letter should be in the mail. I waited about a month, and having received no letter, I reached out again. This time I was told that the dispute was ruled in my favor, but I would still have to pay. I pressed further, and was eventually told that the bank decided against me in the dispute. Eventually, TD Bank arranged to have someone from the dispute department call me. The representative from that department told me that a Raymour employee informed them over the phone that I did purchase the item in question and that I had it delivered in or around XXXX. I explained to TD Bank that something was wrong, because there would be a document with my signature purchasing the item, and a document that I signed at the time of delivery in XXXX. Because I received no deliveries since XXXX, I knew no such document existed. The representative from the dispute department said she would provide this information to the dispute department and they would investigate further. I was assured that my account still qualified for payment protection because the dispute was ongoing. She said they would get back to me. To date, I have not been contacted by the dispute department. I sent multiple requests via email requesting the documents upon which the denial was based, with the earliest one being sent on or around XX/XX/2021. After at least two of these emails, I was contacted by a member of TD 's customer service. I was told these documents would be sent to me via mail in XXXX. To date, they have refused to send me such proof. On Friday, XX/XX/2021, I received collection letter from TD Bank saying my account was about to be placed in bad standing. The balance, with interest, was nearly {$300.00}. I spoke with a representative and a manager from TD Bank that night, who informed me, for the first time and contrary to what was represented to me during the course of my dispute, that my account did not qualify for payment protection and that I had to pay the minimum amount due ( nearly {$150.00} ) by XX/XX/2021. This weekend, I saw for the first time that my credit score has declined nearly XXXX points. Prior, my score was consistently at or around XXXX. The only negative item on my credit was the charge from TD Bank. I have since received an email from a manger at Raymour confirming that the charge is not valid. I estimate that I have spent over 15 hours on the phone between Raymour and Flanigan and TD Bank, and I have sent numerous emails. It has become clear to me that this dispute can not be resolved. I know for certain that if TD Bank did in fact conduct an investigation, it did not do more than receive a verbal assurance from someone at Raymour that I owed the money. There is no documentary proof that the charge is valid, and I did not authorize the charge. Raymour and Flanigan acknowledged that they posted an unauthorized charge to my account. They have made no meaningful effort to fix the problem, and have instead insisted that I resolve it with TD Bank. Specifically, XXXX XXXX, the customer care manager, has repeatedly acknowledged the problem but made numerous misrepresentations to me about his ability to correct it. TD Bank has made clear, many times, that they will not fix the problem unless someone from Raymour and Flanigan says the charge is not valid. Raymour and Flanigan affirmatively prevented TD Bank 's minimal efforts to investigate the dispute by providing them with false information, and would have known that was the case if the Raymour employee spend any amount of time looking into the issue. They have refused to talk to each other directly, despite my many attempts to get them to do so.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently contacted Target Credit Department to discuss my account ending in XXXX. It showed a charge off account in the amount of {$980.00}. I didn't know that an account that has been claimed as a loss was supposed to still have a balance. The customer service agent told me I could settle the account for {$320.00} and it would be off my credit. XX/XX/XXXX, my credit report shows Target updated my account with a balance owed of {$660.00}.
Company Response:
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a package of new checks today, XX/XX/2021. Someone used my address and name to open and TD Bank checking account. The phone number used is XXXX. I do not have ANY account with TD Bank.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: TD Auto Finance- Inquiry XX/XX/2021 This is a fraudulent inquiry on my credit report Ive been trying to get it off for months now I reached out to all 3 credit bureaus and the company already about this
Company Response:
State: MI
Zip: 48331
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: There incorrect information on my credit report that I have repeatedly tried to correct, and the reporting agencies and auto loan companies continue to give me the run around. Spoke to a representative from TD Autofinance named XXXX XXXX on XX/XX/2021 at XXXX and that was the last straw.
Company Response:
State: LA
Zip: 70605
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: A Target credit card was opened in my name and sent to my address. It was sent at the end of XX/XX/2021. I contacted the credit card company on XX/XX/XXXX and closed the account. I reported as fraud.
Company Response:
State: FL
Zip: 32563
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A