Date Received: 2021-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way the bureaus were able to verify this! I'm invoking my rights as a consumer under Federal Law and the bureaus are choosing to blatantly just ignore me.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: from TD bank, i can not open new account due to problem of depositing check then they considered as a fraud. they already put a final decision to be ended relationship with me.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2021 I received an email from TD Bank that a Convenience Checking account was created in my name. I received immediate subsequent emails that the contact info on this new account was updated. I did not open this account. I called TD bank immediately and waited 2+ hours to speak with their fraud department. After a troubleshooting conversation with their customer service, we finally discovered that someone opened an account fraudulently using my Social Security Number and former married name ( XXXX XXXX ). TD Bank could not actually confirm any account info unless I provided my Social Security Number to them. I requested that this fraudulent account be immediately closed, but TD bank said they must complete a fraud investigation first before the account could be closed. They tell me that they put a " block '' on the account. Since then, I have been following the instructions on identitytheft.gov for reporting and repairing my identity. I have filed a police report, requested an extended fraud alert and credit freeze with the 3 credit reporting agencies, ordered a XXXX report, and alerted my current and former employers, in case my ID is being used for Unemployment Compensation fraud. I have called, emailed, and send certified mail to TD Bank at least 5 times since XX/XX/XXXX, requesting that they close my account. Thus far they have been unresponsive. The only feedback I have received was during my phone calls, where TD agents continue to tell me that the fraud investigation must be completed before my account is closed. When asked, they are unable to give even an approximate time frame of when the investigation will be completed, and the account will be closed. The only option given to me to close the account was to visit a TD Bank branch in person - the nearest branch is a 5 hour drive from my home. Today I received my first piece of mail from TD bank, which was an account balance statement for this fraudulent account that I requested be closed. I am requesting that you investigate why their response is so inadequate, and I am also requesting your assistance in having this account closed, and written confirmation of the account closure sent to me.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Business : TD Bank Law Violations : 1. FBRA violation, TD Bank reported a debt from XXXX XXXX to the major credit bureaus for a product that was never shipped, and never received by the customer. 2. Billing customer for the order, and Unwilling to file a claim for the client to remove the charge when requested ovdr the phone. 3. Use of dismisive language, unwillingness to help client even after client offered XXXX solutions XXXX as picking up the item from a retailer. 4. Use of dismisive belitteling language with the customer.Unwillingness to correct the issue.
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX, the amount of $ XXXX, included $ XXXX overdraft XXXX, by TD BANK.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a hard inquiry on my XXXX credit report that is fraudulent and I would like to have this inquiry removed. The date of the inquiry is XXXX.
Company Response:
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2021 I purchased two XXXX gift cards with a sum totaling {$250.00}. Immediatly after purchase, when I tried to apply the gift cards to my account, I received an error message stating that the cards contained a balance of {$0.00}
Company Response:
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Nordstroms account is paid in full and closed, its being reported as paid in settlement/Charge-off.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a TD Beyond Check on XX/XX/XXXX as part of a promotion to receive {$300.00} bonus upon opening the account and receiving {$2500.00} in direct deposits within 60 days. The terms and conditions say the bonus is available to " new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the proceeding 12 months. '' I last had a TD Bank Premier Checking account over 12 months ago. The previous account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. This complies with the 12 month language that was stated in the terms and conditions when I opened the account on XX/XX/XXXX. When I contacted TD Bank I was informed I was not eligible for the bonus as I was a previous account holder. They stated the promotion contained the following language " '' Customers who received a bonus on a prior checking and/or savings account do not qualify. '' However I maintained screenshots of the terms and conditions from the date which I applied and this language was NOT part of the terms at that time. ( see attached )
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX the XXXX 2021 I opned a new checking account with Td bank XXXX XXXX XXXX in XXXX XXXX, Delaware. On XXXX the XXXX 2021 I received a fraud alert to my cell phone regarding several charges that clearly were not made by myself, hence the alert. I immediately called the number provided and spoke to a manager because i was mortified that this could happen in less than 24 hours. I had just the day before deposited {$600.00} in to this account the day before and now I am being charged by companies in New Jesrsey and California. I was assured by this so called manager that I spoke to on the XXXX of XX/XX/2021 that the card was turned off and that my {$260.00} would be immediately refunded. {$190.00} company in california that they alerted to and a {$1.00} charge in new jersey and {$60.00} charge in new jersey for XXXX. ( i havent had cable in 12 years ). I was told to go back to the branch and receive my new atm card but I decided not to bother until I had to cash my salary payroll check on the XXXX of XXXX. I cashed my {$1200.00} payroll chech and placed {$800.00} into my checking account and was told my balance was {$1000.00} which sounded right because I made a payment of {$190.00} on the XXXX when I deposited the {$600.00} initial deposit upon opening this account and on the XXXX I deposited {$800.00} more and made another {$190.00} payment to XXXX XXXX. THESE WERE THE ONLY 2 DEBITS THAT MADE ON MY CARD EVER SINCE OPENING THIS ACCOUNT. Well upon my visit on the XXXX when i made my 2nd deposit I was instructed to pick my atm card up via the drive thru window which seemed odd to me but they said it was cause of covid so I did so because i had my {$190.00} car payment to make so really had no choice but when I attempted to check my balance using that atm card issued the day before I couldent access my account info so I called the XXXX number FOR THE EIGHTH TIME BECAUSE THRU ALL THIS TIME I WAS NEVER ABLE TO ACCESS ONLINE BANKING and on that call is when I learned that the dispute on the XXXX was never done, and that my account balance was {$48.00}!!! I also learned that there were hundreds of dollars in transactions made but yet the card never worked and I never bothered for 2 weeks to attempt to get a replacement card, I just the day before deposited {$800.00} and now my account was {$48.00}???? This is crazy and I was mortified. I attempted to file disputes on that call and was told after filing them that she was denying the disputes cause all the charges were made in delaware BUT NONE WERE MADE IN DELAWARE AND NONE BY ME. I WAS UNDER THE IMPRESSION THAT I HAD NO CARD AND THE ONLY PEOPLE WHO EVEN KNEW I OPENED AN ACCOUNT WITH TD BANK IS ME AND THE 2 PEOPLE WORKING AT TD!!!!!! They have stolen nearly {$1400.00} from me and it was just that STOLEN. I went to take my lousy {$48.00} i was told in that 20 mins it took to hang up with td and get to the bank I only had {$28.00} left and NO ATM CARD NO CHECKS NO WAY TO ACCESS THIS MONEY, MY MONEY BUT TD FOUND A WAY AND TOOK IT. I NEED HELP BECAUSE THIS IS ACTION BEING DONE AT THE HANDS OF THE TELLERS AT THE BANK BECAUSE I HAVENT HAD ACCESS TO MY ATM CARDS OR MY MONEY AND THEY ARE CALLING ME WITH FRAUD ALERTS AND THEN DOING NOTHING, SAYING THEY ARE DOING THE DISPUTE AND DONT SAYING THEY TURN MY ATM CARD OFF AND DONT, TAKING SEVERAL HUNDRED FOR OVERDRAFT FEES FOR PURCHASES i HAVENT MADE AND HAVE NO WAY OF MAKING BUT TD HAS AND THEY HAVE BEEN LETTING FRAUDULENT TRANSACTIONS OCCUR KNOWING THEY WERE FRAUD BECAUSE THEY TOLD ME VIA THE FRAUD ALERTS TO WHICH I IMMEDIATEY RESPONDED BY CALLING AND THEY NEVER FOLLOWED THRU ON TAKING THE STEPS THEY WERE SUPPOSED TO TAKE TO PROTECT ME AND MY MONEY MAKING MATTERS WORSE THEY ARE TAKING SEVERAL HUNDRED DOLLARS FOR TD THEMSELF FOR OVERDRAFT FEES!!! PLEASE HELP ME, I AM NOT RESPOCIBLE FOR THESE CHARGES, THESE OVERDRAFT FEES OR ANY CHARGES OTHER THAN MY TWO PAYMENT OF {$190.00}. AND SOME CHANGE ON THE XXXX AND XXXX OF XXXX. I AM A SINGLE GRANDMOTHER TRYING TO RAISE MY 7 MONTH OLD GRANDSON ALONE AND I CAN NOT AFFORD TO HAVE OVER A THOUSAND DOLLARS STOLEN FROM ME BY MY OWN BANK AND OR THE PEOPLE THAT WORK FOR TD AND THAT IS WHATS HAPPENED TO ME. I just called right before filing this complaint anmd they are claiming that I am another {$73.00} overdrawn yet I again have had no card and no checks to take money from my accoun and make ay purchases!!! NO WAY TO TAKE ANY ACTION OF ANY KIND TO THIS ACCOUNT AND I TOOK THE SUPPOSED LAST {$28.00} THAT THEY CLAIM I HAD LEFT LAST SATURDAY SO HOW AM I ONCE AGAIN SUPPOSED TO BE OVERDRAWN AGAIN WITH NO WAY TO ACCESS THIS ACCOUNT AND NO WAY TO MAKE ANY PURCHASES???? AGAIN, i AM BEGGING YOU TO HELP ME. I AM GOING TO LOSE MY HOME AND CAR OVER THESE FELONIOUS ACTS OF THEFT BEING COMMITED AGAINST ME. SOMEONE HAS GOT TO INVESTIGATE INSIDE THIS BANK AND GET THIS THIEVERY STOPPED BECAUSE NOT ONLY CAN I NOT AFFORD THIS BUT MANY OTHERS ARE LIVING PAYCHECK TO PAYCHECK JUST LIKE ME SO THEY CANT AFFORD THIS EITHER!! PLEASE HELP ME RECOVER ALL MY MONEY EXCEPT FOR THE 2 CHARGES THAT ARE HONESTLY AND RIGHTFULLY MY PURCHASES/PAYMENT MADE BY MYSELF TO XXXX XXXX IN XXXX. I can be reached via cell at XXXX XXXX XXXX XXXX and at work at XXXX XXXX XXXX XXXX or by my email at work at XXXX XXXX
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A