Date Received: 2021-08-24
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 have had a TD Cash Card for nearly 5 years now. On XX/XX/2021, I noticed that for the first time, two fraudulent charges had appeared on my account. On XX/XX/XXXX, and again on XX/XX/XXXX, someone used my card to purchase over {$1000.00} dollars of XXXX XXXX XXXX from a company called XXXX. As an unmarried man with no children and no history of purchasing other baby or childcare related products, this was obviously fraud and I called to report the charges right away. On XX/XX/XXXX, I received a letter in the mail indicating that the dispute had not been decided in my favor. Upon calling for more information, I discovered that the investigator said the IP address the order originated from matched prior purchases, and that the credit card security code matched. There appears to be no other information gathered by the investigator beyond this superficial information. No one could tell me where these fraudulently purchased products were shipped, and no one could explain how I purchased these products in New York, when I was actually in New Hampshire at the time, as my other purchases show. There was a complete lack of information gathering on the part of the investigative team. Since then, I repeatedly found that this third party company, XXXX XXXX, refuses to reopen my investigation. After many calls with representatives at the company explaining my position, I was forced to reach out to the merchant myself to acquire contact information for their fraudulent purchase department, because XXXX XXXX refused to do so. I've provided this information in at least 4 different phone calls, and to two different supervisors, and yet that company has still never been contacted. I have called over 20 times between XX/XX/XXXX and today, and recently discoveredthat half of my records have been erroneously documented in my old credit card account ( a new card was provided at the time of the initial fraud claim ), which prevented the investigator from seeing them. Thus, the company was denying my claim on partial information from an already poorly investigated case. I have spoken to a supervisor on at least 3 different occasions, each agreeing that the charges were highly suspicious and promising to speak directly to an investigator about my case, each time with no change to the status. I even attempted to set up scheduled call backs with updates on my case, and I have never once been called by this company. In each of these more than 20 phone calls, I have been the one to initiate contact. No one has ever proactively reached out to me to communicate updates or changes to my cases status. And to be clear, by status, I dont mean an open vs closed case. Total systems refuses to re-open the case at all. They made their decision once on XX/XX/XXXX, and never once opened my case again. In sum, I am being accused of lying and attempting to defraud TD bank of over XXXX dollars because an investigator at XXXX XXXX refuses to do their job and fairly investigate my claim of fraudulent activity on my account. I have continued to deal with the company in good faith for over 3 months now, and am clearly being continually ignored and dismissed. The core common sense argument of this case, that I am an unmarried man with no children who doesn't make thousands of dollars of purchases in XXXX XXXX XXXX, has been replaced with some policy about CVC codes. This company simply exists to protect TD bank and retain them as much money as possible, and I have become a victim of their bureaucratic nightmare.
Company Response:
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: my wife & I purchased furniture from XXXX and signed up for the 12 month 0 % financing with TD XXXX Card Services. From the first month of payment, bill pay of {$49.00} and {$48.00} was already set up monthly to avoid late payments and interests, and for the last payment {$420.00} was sent and delivered on XXXX XXXX, they claimed that they never got the payment. We were very confident that we paid our bill, but they kept sending us bill and with interest and late payment charges. We called their customer service, when they said they never got the payment, we gave them payment over the phone to settle the balance and told them we are not paying for interest and late payment charges because it is not our fault. The bank clearly stated that it was mailed to them. Up until today we keep getting bill from TD retail card services for late payment and interest on top of interest charges they want us to pay. We have paid everything we owe them, its so convenient for them to say they never got our last payment but all of our monthly payments were received.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX and TD BANK XXXX XXXX/target financing after making a settlement with them, both items supposed to be removed from credit report and its currently showing on my credit. Credit were settle and paid and promised to be removed from all 3 credit bureaus.
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have had an account opened in my name with TD Bank. They had opened a Debit card/checking account. I do not have any account with TD Bank at this time.
Company Response:
State: PA
Zip: 17042
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I would like to be able to scan in documents regarding this situation. TD Bank does promotions but they do not carry them out, in my opinion that is fraud on the consumer. They take your money and then they use it but do not do what they said in their promotion. I have sent a letter to the CEO of TD Bank in the US on XX/XX/XXXXplenty of time to get back to me. On XX/XX/XXXX, I walked into a TD Bank because of a promotion TD Bank was promoting. Deposit money in a new account and in 90-120 days we will add {$300.00} to your account. That has not happened. The person who opened the account was a vice-presient by the name of XXXX XXXX certainly she should have known what she was doing.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking and savings accounts with TD Bank based on an advertisement received in my mail with the promoting message " Open your account to earn up to {$500.00} today! '' To earn the {$500.00}, in XXXX of 2020, I went to the website " XXXX '' to open the accounts. I met the required conditions as stated in the advertisement. - {$300.00} for when open a TD Beyond Checking account and have {$2500.00} in direct deposits within 60 days. - {$200.00} for when open a new TD personal savings account, deposit at least {$20000.00} in new money in the first 20 days and keep at least a {$20000.00} balance for 90 days. After many months, I never receive the money as advertised. I called TD Bank consumer services and was informed that it takes 3- 5 business days to resolve the matter. This never happened. The second time I called, I was advised the same message that it will be resolved in 3-5 business days.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/21 I again contacted to resolve issues concerning my checking account debit transactions and my Account balance.I noticed that on XX/XX/21 my account statement indicated a balance of {$1000.00} on XX/XX/21 my account balance was down to $ XXXX.I do not believe that my account balance should drop to that degree in that span of time.I had made two disputes on debit card transactions. One with the online provider XXXX and another against XXXX XXXXXXXX XXXX XXXX with the intention of restoring my account in the face of businesses with bad intentions unjustly enriching themselves at my expense.I was expecting TD Bank to help me, not diminish my Account balance further.When I last spoke with a representative at TD bank they did not seem intent on accommodating me on maintaining my balance under the circumstances.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Getting a line of credit
Subissue:
Consumer Complaint: As I had mentioned in a previous complaint against TD bank, despite the fact that I have had a Direct Deposit account for Social Security XXXX with TD Bank for more than ten years they have continued to deny me consideration for a credit card or auto loan or mortgage loan resulting in me being forced to experience continuing difficulty in business, employment and in making it through a day to day existence.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: this car was reposessd in XXXX aroud there. td auto needs to update correct balance.. car was sold on website www.carvana.com in XXXX all you have to do is type the vin number online like carfax and you can see car was sold. td is trying to sue but i already filed a motion to vacate cause td never served correclty im gonnna i hired a f.c.r.a attorney to sue td auto remove this account off my credit and stop lawsuit
Company Response:
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i want htem to be removed. XXXX 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft TD BANK N.A. Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A