Date Received: 2021-05-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A checking/savings account was opened at TD bank online with my SSN and DOB no other information was requested at the time the account was opened. I went to a TD bank and they informed me that the account was opened with my information and and email address that was not mine. The email used was XXXX XXXX
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: From XX/XX/21 to XX/XX/21 My bank account got hacked into from a XXXX XXXX XXXX Deposited XXXX XXXX dollar checks and one XXXX check into my checking account. which they were mobile deposited- signature on the back of these checks don't even match up. I don't even deposit a XXXX dollar check into my account. I don't make XXXX. Then once they got into my account, then they withdrew these checks and sent them out to XXXX XXXX & XXXX. TD BANK allowed these checks to go into my bank account once they found out they were a scam ... fraudulent checks.. I had no access to my bank account. Second of all they forged my signature well tried too. I already processed 3 disputes with td bank all coming back denied due to them saying i authorized this.. Clearly i did not because someone changed my biometrix ( face Id ) on my iphone & all my passwords had to be changed. So clearly someone hacked into my phone and got ahold of my bank account information. I did not authorize no information through my phone i did not give my bank account information out.. I want this fixed now.. TD BANK IS THE WORST BANK & I AM NOT PAYING XXXX I DON'T EVEN MAKE XXXX ... so i hope someone can help me with this. TD BANK WONT HELP YOU!!! THIS IS HORRIBLE AND I AM EXTREMELY FRUSTRATED. XXXX XXXX, XXXX XXXX. & EVEN XXXX XXXX CLERK COUNTY
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a fraudulent charge made on XXXX using my credit card number. I disputed the charge with my credit card company, TD Card. TD Card denied the claim on case number XXXX and referred me to XXXX. I contacted XXXX and was told that they had the order flagged as a fraud and that they refunded the money back to TD Bank. They explained that there were numerous incidents in XXXX of someone ordering phones online and having them sent to the XXXX XXXX using fraudulent credit cards and personal information. They would then, after approval, change the name of the person picking up the phone to their name so that the ID matches the person picking up the item. I detailed this on CFPB complaint number XXXX. I am refiling this complaint because this is the only method in which these people will communicate with me. In the reply from TD Bank employee XXXX XXXX, he states that he sent me a reply. That is false. The only reply I got was through the reply to the CFPB complaint. XXXX XXXX also states that he " contacted XXXX @ the number provided, they were unable to assist us in verifying the transaction as fraudulent ''. I contacted the XXXX Order Review Team again and they confirmed that someone from TD Bank called at the end of XXXX, but XXXX at XXXX told me that they told TD Bank that the order was flagged as a fraud and that the funds were returned to TD Bank. He also said that they provided all of the information asked for by TD Bank. This is a direct contradiction to the reply from TD Bank. Can CFPB please have an investigator call the XXXX XXXX XXXX XXXX at XXXX and provide order number XXXX and they will verify all of this. I can not get a reply from XXXX XXXX of TD Bank either through numerous emails or by phone. He will not reply. I have never had any communication from them. I have already sent my congressman a request for intervention and will be contacting my state attorney general for assistance today. All it takes is for someone to call XXXX and you will see that I am in the right here.
Company Response:
State: HI
Zip: 96707
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have been requesting, since XX/XX/2021, verification of these alleged debts that they keep reporting on my credit files. However, these companies - TD BANK USAXXXXTARGET CREDXXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, the bureaus - XXXX, XXXX and XXXX have continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I never get a payment is due notice to my email. This feature is turned on in my account. I also only request electronic mail. After I paid my minimum due payment early and then I checked my account it showed {$0.00} due payment. Target then deducted an additional {$35.00} from autopay without my knowledge. Because there was not enough money in the bank I was charged XXXX overdraft fee. All my bills this month were paid thats why I was stunned to see this. All I got from target was an apology. This is not the first time this has happened. Also some of their employees give out wrong information regarding this problem. When I pay the minimum due early I am paid until next billing cycle.
Company Response:
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: XX/XX/2021 I opened a savings account in TD Bank. XX/XX/2021 I have sent amount {$20000.00} from my XXXX checking account with Wire Transfer to my new saving account in TD Bank. This amount was returned to me on the same day minus XXXX dollars. For translation, I indicated : XXXX XXXX for Wires XXXX. Because the bank 's website wrote : " To receive a domestic wire transfer in U.S. dollars, you'll need to provide the sender : This XXXX XXXX number ( a TD routing number that's specific to wire transfers ) Your account number, full name, and address as they appear on your bank account Your bank name and address : TD Bank, XXXX, DE. Therefore, I consider it unreasonable and illegal return my wire transfer and hold {$40.00} from me. The bank misleads customers, pointing out the wrong information on its website for Wire Transfer. I wrote a letter to the bank with a request to return XXXX dollars, illegally received from me, to my account in TD Bank or account in XXXX, from which the translation was made. But I received an unreasonable refusal in my legitimate request.
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had filed a prior complaint with CFPB and I had a rebuttal and appeal to TD Bank write up. TD bank had no solution - See Complaint XXXX. I will like the resolutions in order to move on and also have TD Bank fix the 2 issues. 1 ) I want to pay the XX/XX/XXXX and XX/XX/XXXX mortgage payment expeditiously and right away from my online bank account. which belonged to XX/XX/XXXX and XX/XX/XXXX. That should take care of the 2 deferred payments owed. I have offered to pay TD bank several times and so far TD bank has not accepted the offer. 2 ) I want TD bank to remove the term 15 mortgage off of all the credit bureau reports expeditiously and replace with my actual mortgage term 30 years and the comments Loan modified under a deferral program. I have filed disputes with XXXX, XXXX and XXXX since the terms on the credit bureau report for TD bank is incorrect. Each credit bureau, banks and companies have label those comments to be negative except TD Bank. Comments field should be left blank since I pay my bills on time and I was erroneously added under Natural Disaster since TD Bank did not have a plan for furlough employees 3 ) On the loan modification on file with TD bank, I want TD bank to put on file that this was due to the XX/XX/XXXX to XX/XX/XXXX United States Federal Government Shutdown. And that I was a federal government furlough employee. And also that TD Bank had participated in offering federal government employees temporary payment extension. TD bank said these thing on XXXX social media and news media. The money had previously belonged to the XXXX and XX/XX/XXXX payment extension during the XX/XX/XXXX and XX/XX/XXXX united states government federal shutdown where 800,000 federal were furlough. So far TD bank has no plan, or no solutions. I am not going to let TD bank ruin my credit, my professional life or my personal life. TD bank has not consider anything and their main comment is '' Sorry, we can't do anything ''. I never missed a payment in 18 years. I will like TD bank to come to the table on these solutions. I will like a manager, director to handle this matter and not just a rep that has no authority. I have been unable to speak to a manager or director at TD bank for 2 years straight. Please ensure that TD bank gets the request to their management so that we can start fixing these issues. Thank you XXXX XXXX XXXX
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened account online, but get frozen the next day. Have not initiated any XXXX transfer but being told that's the reason. Make multiple calls, nobody can help. They told me to visit a store to verify my ID. Driving to another state to visit the branch, not resolved during the visit, and nobody follows up.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After sending several disputes to XXXX, XXXX and XXXX in regards to an account on my consumer report reflecting inaccurate information I am receiving the decision that this account is being verified and continues to report several inaccuracies. On XX/XX/XXXX after speaking with a representative from XXXX in regards to the inaccuracies showing on the account I asked if I could see the proof of Verification as they claim to have verified the information as accurate. I was denied this information as they stated that they do not provide the proof of verification. I was then instructed to call TD Auto Finance to obtain a copy of the contract to prove the inaccuracies that is currently being reported as far as the past due amount and the fact that this account has been closed for several years and not open as it is currently reporting as an open account. After speaking with 2 different agents from TD Auto Finance plus a supervisor on XX/XX/XXXX I was told that they are unable to provide me with a copy of my contract due to the fact I was unable to answer 1 of the several questions to prove my authenticity ( even though I provided my SSN, name, D.O.B, address at the time and the Dealership where the car was purchased from. I then contacted the dealership and ask could I get a copy of the cont tract and I was told that after 5 years they shred it leaving me with no other option to resolve this situation which has caused me financial hardship due to the inaccurate information that is currently reporting on my consumer report.
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for XXXX XXXX and the other for TD Bank ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from XXXX XXXX about the first card which had a ~90 day past due balance. The TD Bank account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for XXXX XXXX XXXX XXXX, was XXXX and is now awaiting a XXXX or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXXXXXX XXXX XXXX a former FBI XXXX XXXX crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting XXXX.
Company Response:
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A