Date Received: 2021-04-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am an identity theft victim. I have credit freezes placed at all 3 credit bureaus and at XXXX XXXX. I don't have any accounts with TD Bank. on XX/XX/XXXX I received a TD Bank statement for an account that I did not open. Called customer service but could not get to any person. on XX/XX/XXXX went to TD Bank XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XX/XX/XXXXNYXXXX. The manager XXXX XXXX was very helpful. She called Fraud Specialist XXXX XXXX XXXX and reported the fraud. Apparently two accounts were opened online, one checking and one saving. Ms. XXXX gave me the direct number for Fraud Resolution Department. For good measure I also called TD Bank Fraud Resolution Department and reported the fraud to XXXX. She said that she closed both accounts. I thought that it the end of it yet on XX/XX/XXXX I received another TD Bank Statement. Called their Fraud Resolution Department and spoke to XXXX. She said that the accounts were closed but she could not explain why I received another statement. It is also difficult to understand how a bank can open an account to my name while I have security freezes placed at all 3 credit bureaus and at Chex Systems.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: NORDSTROM CARD SERVICES AGREED TO REMOVE ACCOUNT XXXX FROM CREDIT REPORT IF THE ACCOUNT WAS PAID IN FULL, THE ACCOUNT REMAINS ON THE CREDIT REPORT PER ALL 3 MAJOR CREDIT BUREAUS
Company Response:
State: AR
Zip: 72209
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021 TD Bank called my cell phone at XXXX XXXX and stated I had fraudulent charges on my debit card. He stated he was going to cancel my card and reimburse the charges. He proceeded to go over fraudulent charges, keeping me on the phone to ask if they were made by me and I stated no to all of them. The next morning I called TD Bank after I couldnt get into my checking account and had to reset my password and started to thoroughly check my account to find {$3400.00} stolen from my account. I immediately panicked and called TD Bank, I proceeded to have my online account shut/closed down and put in a dispute for the fraud charges. They did an investigation and have denied my claim 3 times stating I approved it through my cell phone, which is absolutely not true. Even with a police report they insist it was approved by me. My XXXX was completely going haywire and I had to go to XXXX to purchase another phone, which leads me to believe the imposter placed some malware/virus sim port scam on my cell phone to be able to approve these cell transactions from my phone number. I have been on the TD XXXX XXXX XXXX Complaint on-line and have seen various complaints stating the same fraudulent activities happening to others with denials from TD Bank. My son recently passed from XXXX XXXX having many bills due to his illness, lost my second job due to XXXX XXXX and to add insult to injury this criminal fraudulently stole my money. This ordeal has caused me a great deal of anxiety and emotional distress after not even a year of losing my son. Would you please be able to assist me in any way to recuperate my money that was stolen from my checking account through XXXX by this TD Bank Imposter? I thank you in advance for your assistance in this matter. Thank you,
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: TD Bank responded to my complaint and there are several inaccuracies stated. According to the documents send to me from TD Bank, states that the balance owed is XXXX however the amount reported is {$14000.00} for XXXX and XXXX for XXXX This is a verifiable inaccuracy by this company. Also, the letter states that the charge off was on XXXX XXXX, XXXX but the charge off reported on my credit report shows XXXX, XXXX which also is reported incorrected. This clearly shows gross inaccurate reported which is a violation of my rights per 15 USC 1692e!!! I want this deleted from my credit report and I will be filling a civil liability remedy lawsuit for this negligent reporting practice by this company.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was sent this email from who I thought was my title person but was from a masked email. I have reported it to the bank the next business day and was told that my recall was denied. The gmail was masked with my title persons name. from : XXXX XXXX to : XXXX date : XX/XX/2021, XXXX XXXX subject : XXXX XXXX XXXX XXXX, XXXX, Florida XXXX mailed-by : XXXX signed-by : XXXX XXXX : Standard encryption ( TLS ) Learn more Good Morning, Due to the Covid-19 Pandemic, All closing funds should be wired to our trust account today to avoid delay at closing. so that funds can clear in our account on time for closing. I will send the wire instructions once you have acknowledged the receipt of this email, I will be busy with limited access to my phone. You can send an email if you need anything else. Thank you, XXXX XXXX, Title Operations Manager XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX ( For mailings, use : XXXX XXXX ) XXXX, FL. XXXX XXXX ( Main ) : XXXX Tele : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX Email : XXXX XXXX
Company Response:
State: MA
Zip: 02150
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The ATM malfunctioned and ate my money and debit card then shut down. Bank staff unhelpful. Been a full calendar week now. No resolution. Ive called daily expressing the urgency of the issue. No credit has been issued while they handle it and they havent figured it out still. I keep getting told maybe tomorrow. Every single day. For a week straight. TD flat out stole my money and is holding it until they get around to it. This is criminal and has had significant impact on me personally and my family now. We havent been able to pay bills. We never will use TD again.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX amount owed {$3000.00} XX/XX/XXXX amount owed {$31.00} these are under 2 different account numbers neither one is mine. i have filed an identity theft report.
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for the mortgage in XX/XX/XXXX, was conditionally approved in XX/XX/XXXX. I have had contact with 4 different representatives of the bank with no results.
Company Response:
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made a payment of {$530.00} to my credit card. The payment was received and shows as received on the statement and it additionally left my checking account. The Payment was placed on a " PYMTMONYHOLD ''. I called in that day to inquire as to why the payment was on a hold and the representative told me that they needed information from my other bank. I then called my other bank and they informed me that the money was transferred to TD and left my account so there was nothing to be done on their end. I called again on Thursday and spoke to a different representative that informed me the previous rep had lied to me about why the payment was placed on a hold. She told me that the payment had in fact been received and they were not waiting on any information from my bank and that the payment was simply on hold and would be released in 7-10 business days. My mother then informed that my line of credit and cash should not be tied up if I did indeed make the payment and the payment was received. I called again XX/XX/XXXX and spoke to " XXXX XXXX '' who could not answer any of my questions as to why the payment was on hold. He also refused to let me speak to someone higher up and simply repeated the same information I have on my credit card statement that it is a " Payment money hold ''. I make payments from this account every month and my money has only ever been " held '' twice. Before I did not know that they had a responsibility to release funds upon receiving payment, but now that I do feel taken advantage of because I am now without cash or a line of credit. My payment is also due by XX/XX/XXXX and they are holding my payment until XX/XX/XXXX and have essentially frozen my account until the next payment cycle, and has also left me with limited cash.
Company Response:
State: MD
Zip: 20901
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A