Date Received: 2021-08-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I initiated a claim for {$16000.00} dollars on my business account on XX/XX/XXXX, a few days later I cancelled the claim as we realized that the charges were valid. TD bank said they could not cancel the claim and to deal with the merchant. The funds were taken out of the merchant 's account and I then paid the merchant {$16000.00} dollars in the form of a wire transfer. TD Bank was supposed to credit my account back by XX/XX/XXXX as they have the funds from the merchant. We cant get an answer from the claims department and customer service or the branch are unable to help. We need our money credited to our account ASAP as we have now essentially paid the merchant twice. I have provided TD bank with proof of payment to the Merchant and proof that the merchant also has the funds taken from there account and that TD has the funds. I was told that if the merchant didnt challenge the claim by XX/XX/XXXX the funds would be credited To my account this has not happened yet and no one has answers. The lack of communication is unacceptable and needs to be fixed. They are holding {$16000.00} of my money.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I used td bank to transfer a bank transfer to XXXX XXXX on XX/XX/2019. The amount was {$1000.00}. Due to an account problem during the transfer process that needed to be verified, the transfer was suspended by the bank. I immediately called to cancel it. The online service staff clearly told me that there would be no automatic transfer, but when I checked my bank records on XX/XX/XXXX, the transfer was transferred out of my bank account without my authorization and notification. I am very disappointed about this. Due to the irresponsible operation of the bank staff, I contacted the bank many times to solve the problem and got the money back. There was no response until now I found the cfpb department to complain about this matter. I hope td bank can be responsible. Solve this problem and return the money to me at the same time.After all, the irresponsible behavior of td bank has affected me and all customers who support and continue to use their banking experience. thank you
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I purchased a used vehicle ( XXXX VIN ) XX/XX/19 from The XXXX XXXX with financing provided by TD Auto Finance. I then refinanced the loan with my local credit union ( XXXX XXXX XXXX ), but XXXX XXXX was never provided with the vehicle 's title. I have been making payments on time to XXXX XXXX for the last few years and now wish to sell the vehicle but am unable because the vehicle 's title can not be located. TD Auto Finance is unable to locate the title.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
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 paid {$3000.00} to TD bank at the same time they charged off the debt to XXXX XXXX whom I set up payment arrangement made with and paid the debt off as of XX/XX/2021. To date this is debt is still on my credit report as being delinquent in addition to a balance still being owed. I have attempted to resolve this with multiple contacts to TD band and XXXX XXXX but I have not gotten anywhere with my credit reports being fixed to reflect this debt has been paid and up to date since XX/XX/2021.
Company Response:
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I was charge 3 times for the same one item purchased. I returned the item at the store and received a credit. They returned one for another credit. However I still have an extra charge for that same one item. The amount is {$23.00}
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
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: I am filing a complaint against Target Card Services for their handling of my claim regarding fraudulent charges on my store credit card. I have attached the following Items : 1. XX/XX/2021 I noticed charges on several of my credit cards that I did not make. I immediately called the companies involved and the charges were reversed on all cards except Target Stores. 2. XX/XX/2021 I mailed a letter to Target Stores as instructed by my call to Target Customer Service along with a copy of the fraudulent charges. 3. XX/XX/2021 I received a reply from Target regarding my dispute of charges. 4. XX/XX/2021 I called Target Customer Service to check the status of my dispute and was told the issue was denied and a letter of their decision was in the mail. Customer service suggested I make a minimum payment to protect my credit and ask for an appeal to their decision. I immediately mailed a request for appeal of the decision. 5. XX/XX/2021 I received the letter from Target denying my dispute of fraudulent charges. 6. XX/XX/2021 I received a reply from Target regarding my request for appeal of their decision. 7. XX/XX/2021 I received a letter from Target dated XX/XX/XXXX stating they had closed the investigation of my dispute on XX/XX/2021 and all charges, interest & fees would be included in my account balance. 8. Copies of Fraudulent access to my computer beginning XX/XX/2021 XXXX
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accouts that are not mine and i want them to be removed. 1. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 2. Identity Theft XXXX/XXXX Account XXXX : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft TD XXXX/RAYMOUR & FLA Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XXXX XXXX a credit card was opened using my social security number to Target department store. The store called me and I told them not to approve the account.
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I started receiving several debit cards and check registers in the mail. These are all from accounts that i have no knowledge of and did not open. I called the banks and they told me it was fraud.
Company Response:
State: PA
Zip: 17404
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: 2021-08-30
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have tried to contact the company since I filed my complaint on here and now they are not responding to me. This seems illegal that a company can not communicate with the customer. Their last response was on XX/XX/XXXX. I sent messages ( sometimes a new one and not a reply ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), and now XX/XX/XXXX. Their messaging system says that messages are responded within 24 hours. Yet I have not heard back - not even a phone call - from them at all. At this point, I am refusing to pay my bill since they simply can not honor a late fee waiver from a month ago and are dragging this out.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A