Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My wife was the primary card holder and I was an authorized user. My wife has passed away and XXXX and TD banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone was suppose to handle this situation, but it was never resolved.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: After dealing with TD Bank over this issue I did some research and discovered they tried a similar game last year. We are am existing business checking customer with TD. TD suggested we open 2 additional FREE checking accounts. We opened the accounts and got charged a {$13.00} maintenance fee and a {$3.00} paper statement fee. We were told explicitly the accounts were free. We were even opted out of paper statements on our existing account. TD opened these new accounts and automatically began charging us for paper statements without giving us the option to choose. This is some predatory nonsense. We contacted our local branch a week ago and they are still working on it. After reading about situation with TD misrepresentation if fees in 2020 I realized this is a similar gambit. Banks are out of their mind for pulling these tricks in modern times. We're not going to stand for it.
Company Response:
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I purchased a vehicle through XXXX car sales. The sales pushed me to get a loan while I was planning to pay cash. I had no idea I got into the loan with TD Auto Finance which is the biggest mistake I made in XXXX! Here is my miserable experience with TD Auto Finance I did not receive another loan statement/or documents till it was overdue. During this time, I continue to receive decline of loan application notices from TD auto Finance. I got a call from customer service stating my payment was overdue in XXXX. I told the customer service that I am going to pay off the balance and please don't report to the credit bureau. I spoke to multiple customer services and stated I am going to payoff the balance. Finally, I was informed to email to the check to a PO box in Maine. I mailed the check on XX/XX/XXXX and the payoff check was deposited by TD Auto Finance on XX/XX/XXXX. My credit score was impacted on XX/XX/XXXX because of the delinquent reported by TD Auto Finance. Early XXXX, I received a letter from TD Auto Finance saying XX/XX/XXXX is the LAST DATE for PAYMENT, we may exercise our rights under the law. I thought the check was deposited by TD Auto Finance and I ignored this letter. A week ago I was applying for a mortgage and found out my credit score dropped to XXXX from XXXX and I was told by the banker that TD Auto Finance reported delinquent. There was no emails, mails or phones to inform me about my credit score and about my payoff date ...
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was hacked on my laptop on XX/XX/XXXX in 2020. This was right before the Covid-19 pandemic started to get very serious in the XXXX. All my credit cards and accounts were compromised and I needed to cancel them all. I had no safe internet source to use so I had to depend on my landline that wasn't completely safe, as it is tied in with my XXXX and is a cordless phone. I called all my card companies and Target XXXX XXXX XXXX was the only one that did have a charge on it of XXXX that was not authorized by me and I am the only person who holds a card in my name. We live 200 miles from the nearest Target store, and nothing was ordered. They said a form would be sent to me to explain the fraudulent activity new cards with new numbers would be sent. I got the form, filled it out in detail, and sent it back per their request. I got the new cards, but when I tried using them several months later, for a couple of gift cards online, they would not process. I tried the activation process again with the card and it seemed to process, but the card could not be used. I had a zero balance on the account, as I used the card rarely anyway. I didn't worry much about it, since I use my Debit card for most things. In XX/XX/2020, my handbag was taken from my car, and the new Target card was taken. I couldn't believe it. So I called and canceled the current one and ordered a replacement. It was automated so I didn't get to talk to anyone about not being able to use the card. I tried several more times after I received the new card to activate it, and it was not working. I called the customer service number and each time I called, it would get me an automated person, and when I gave my credentials it would say i needed to hold the line for a representative. Each time I called and did this, which was about a half dozen times, I would be on hold and eventually be cut off and the phone would go dead. It's like my account has been flagged, but if so, I need to know what the issue is and get it straightened out. I have done absolutely nothing wrong and now the biggest issue I have is, my XXXX Credit score has dropped XXXX points because Target without warning, dropped my credit limit from XXXX to XXXX. That is the kiss of XXXX on a credit score and my credit score is impeccable and I have not been late nor missed a payment in 25 years on anything. I get my credit limit raised, I do not get it decreased. I don ' t care if I ever use the Target account again and would just close it if it didn't jeopardize my credit score, but I will not stand for a XXXX point drop in my score because of a company not responding to my calls and emails. Please please see if you can be an advocate and get Target to contact me and get this settled. I had the same issue with XXXX. It took six months and two months of an incorrect poor credit score and the FTC to fix it. Thanks, XXXX XXXX
Company Response:
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a bank statement in the mail on XX/XX/2021 from TD Bank for statement period of XX/XX/2021 to XX/XX/2021. The statement had information about how their overdraft fees work and an account summary of the checking account. I immediately called TD and reported this as a fraudulent account. The representative from TD 's XXXX department closed this XXXX account and the subsequent XXXX account.
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: TD Bank case number XXXX I have been trying for 6 years to try to get my money back from TD bank, who have frozen the funds and I am awaiting for my money to be refunded. It all started when I was looking for a holiday resort to stay in Hawaii and this " pop Up '' came up to purchase it threw them by paying {$1800.00} US by bank Transfer from my account in XXXX to TD Bank, I sent some emails and the fraudster responded so I thought it was legitimate. Then on XXXX XXXX th XX/XX/XXXX I purchased the supposed holiday, and the next day I realized it was Fraud. I called my XXXX XXXX to put a stop and they said they will try but because it was more than one day it may not help, and they also sent emails to TD Bank and still no refund. I spoke to a XXXX XXXX at TD bank Investigations Team for approx. 2 years to resolve and no refund. He no longer works there and so I have been trying for years to have my money refunded and the Bank keeps changing the goal posts. I actually came to XXXX XXXX TD Bank and spoke to Mr XXXX XXXX around XX/XX/XXXX and he also tried to help but to no avail, because the Investigations Team, Now, no longer speak to people, it has to be done by email. I have tried for years to get the refund and surely the fact that the funds are still in Limbo in TD Bank, and I am the only person making a claim for my own money clearly states it is mine. The bank also asked me to get the Police at XXXX XXXX to investigate, and the Officer I spoke to said, because the money has Not left the bank or transferred to anyone, then the transaction is not completed. So I ask that common sense prevail and to please return the money to the Sender, which is myself as per the Bank Transfer Documents. I can be contacted by email on XXXX or Mobile/cell phone. Please Help, XXXX XXXX XXXX XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2021 at approximately XXXX XXXX I attempted to open my TD bank account through online banking to find that I was unable to login and that an outgoing XXXX transaction had failed. I called XXXX to figure out what the issue was and I was informed that my account was currently frozen and in the process of being closed. I had received no prior warning of this ; no email, physical mail or any notice from TD representatives during the multiple times in XXXX that I had called to perform actions such as lifting holds placed on XXXX transactions. On those multiple calls, the representatives had access to my account information and should have informed me if there was any information related to account freeze or closure. I also did not even receive an email notifying me that my account was frozen ; if I did not see that an outgoing XXXX transaction failed and did not call TD after not being able to login to online banking, I would have no way of knowing that my account was frozen and in danger of being closed. The representative also notified me that the issue had arisen as a result of my inability to submit the XXXX form that I had received in the mail in early XXXX. I should have submitted the form but Covid-19 is very bad in my area and I did not want to risk going to anywhere that was not absolutely necessary, such as going to the post office to mail a letter. After all, the only consequence of not filling the XXXX form communicated me was written in the letter I received in early XXXX as " We will continue to apply XXXX tax withholding at a rate of 24 % to all interest credited on your account ( XXXX ) until we receive the above information ''. It was an honest mistake on my part and I am fine with the results that come with the 24 % withholding rate that the bank communicated to me, but them freezing the account and informing me that it is in danger of being closed was never disclosed or communicated so that is bad business practice and lack of transparency on their part. Moreover, the XXXX form was not ultimately the reason my account was closed. I contacted the cross border line on XX/XX/2021 and spoke with a representative who informed me that the account would be closed due to fraud detection. I had not received any prior communication of this and I was under the impression that this was an issue with the XXXX form, not any sort of fraud detection. I was also not given any opportunity to defend myself from these claims of fraud, instead I was asked to simply call or visit my local branch. Upon calling my local branch at XXXX, as I was out of the country and unable to visit the branch, I was met with a message that instructed me that no representatives were available and to not leave a message as the voicemail service is not initialized. However, immediately following the message, an answering machine asks for a message to be left. Due to this lack of hold system and failure to take messages, I was forced to continuously call for approximately an hour until I finally got through to an agent who informed me that my account would be closed.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was working a shift for XXXX when I receive a ride that dispatched me to a XXXX XXXX XXXX, Fl address on Sunday XX/XX/XXXX at approximately XXXXET. I arrived at the address and got a text message on the XXXX app to await instructions from the passenger. I got a call through the XXXX app from XXXX, a person who called himself XXXX. He informed me that I was being rewarded a {$500.00} bonus for excellent customer appreciation based on my last 15 rides. XXXX said he would wire the reward into my XXXX XXXX. He then asked to see a confirmation email from my email connected to my XXXX account. Had me repeat my email and phone number. When I didnt receive the email he asked me to change my password. Still no emails. Then he proceed to ask me for security codes that came in through my phone that he said he was generating. Once the XXXX account emails did not come in, he said he could connect to my back through a third party client. He asked for and I gave him username to my online banking which he said he was using to verify my TD Bank account. What he did was access my online banking through a lost password and asked me for the security codes coming into my phone to gain access. XXXX then opened the XXXX function on my account ( which I have never used ). Then he asked me to repeat back several security codes and then several {$500.00} confirmations which came up under the name XXXX XXXX. He used the XXXX function to attempt to withdraw three transactions of {$1000.00} each ( which the bank denied ) but then allowed three transactions of {$500.00} each. XXXX said he would call me back to fix the issue with the " reward ''. My XXXX account got locked and he said there was a server issue and that he would me call me later in the day with an update. A few hours later I felt suspicious and called TD Bank 's 800 number ( at around XXXX ET ) about what had happened and reported the fraud attempt. XXXX did call me later that night around XXXX ET. I asked him to please put the money back and he hung up the phone. I have filed a report to the FTC. FTC Report Number is XXXX and is attached to my complaint.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A