Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reach out to XXXX, XXXX, and XXXX on XX/XX/, XX/XX/, XX/XX/XXXX XXXX to report that I'm a victim of Identity theft. I have filed a Police Report with the XXXX XXXX Police Department on XX/XX/XXXX as well as to the Federal trade commission on XX/XX/. I sent certified mail to each and one of the credit bureau with copies of the police report, FTC, driver license, social security, and prove of address from pay stub as well as electrical bill. I have also sent multiple letters to the three credit bureau as well as each and one of the accountants that were open do to identity theft. They have many addresses, names, phone numbers and additional information they have not removed. I have contact multiple times regarding the same matter. As well as NORDSTROM/TD BANK 1st letter XX/XX/XXXX XXXX then on 2nd letter XXXX/XXXX/XXXX with police report and FCT. They have not took the step to close the unauthorized account do to me being a victim of identity theft. XXXX XXXXXXXX XXXX XXXX XXXX letter XX/XX/XXXX XXXXXX/XX/XXXX response to not been able to find my account do to the information provided from me to them was not available. I also provided drivers license, social security, police report, and FTC report. XXXXXXXX XXXX XXXX 1st letter XX/XX/XXXX and XX/XX/XXXX XXXX police report, FTC, and driver license. XXXX XXXX 1st letter XX/XX/XXXX and filed a dispute through XXXX.
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: My parents ( at whose address I have not lived for over 5 years ) received 2 letters declining an application for a Target card. The first one said that more information was needed ; the second one said there was a problem with the checking account information provided (! ). I did not request information or apply for a card from Target ; I suspect fraud. My father called Target on my behalf ( I live overseas ) and both application attempts have been marked as fraudulent.
Company Response:
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: My parents received an XXXX credit card with my name on it in early XXXX. I live overseas and did not apply or inquire about a credit card with any company XX/XX/XXXX : Called TD customer service. ( TD seems to administer XXXX, which is the name of the company on the card. ) They've filed a fraud attempt report on my behalf. They said my parents ( the address under which an application was apparently made - I haven't lived there for over 5 years ) should receive a letter from their fraud department in the next 7-10 business days. Could take up to 30 days to resolve. Case # XXXX. If any questions in the meantime, I was told to call customer service back at XXXX.
Company Response:
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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: To provide you with a comprehensive account of the situation, I would like to detail the sequence of events surrounding the return : XXXX. I had order the items mentioned above, which were delivered together in a single box. XXXX. After receiving the order, I realized that the XXXX pairs of sneakers did not fit correctly, prompting me to initiate a return request via the Target XXXX XXXX. Target issued a separate XXXX return shipping label for each of the sneakers, resulting in XXXX separate return packages. XXXX. I dropped off both return packages at my local XXXX XXXX XXXX XXXX, Post Master located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CA XXXX. XXXX. The XXXX tracking number associated with this return is XXXX XXXX. XXXX of the packages that was associated with this return was successfully delivered and refunded however, the return associated with the XXXX shoes was never received nor updated. There is no updates for the tracking number from XXXX. Nothing. XXXX. I have reached out through the chats, attached in here, no resolution. XXXX. I attempted to dispute, the call center representative was talking to me with disgust. I asked her what we can do she said she is going to have to transfer me to target XXXX XXXX. I got connected with Target XXXX and they just started they will not be able to do the return, because they never received the item, and the only optio I have is to dispute the charge, and when I informed him I had already called to dispute and the lady refused to help, yelled at me and XXXX transferred me to him, he said he will be disconnecting the call.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I noticed my credit card had numerous charges that were fraudulent and made without my consent. I believe my credit card information was stolen and used to make 32 fraudulent charges totaling {$1000.00}. Charges were made on my card when I was out of State, resulting in charges in two States over the same period of time. On XX/XX/XXXX, I cancelled the card and filed for fraudulent activity with TD bank. I received no response on the dispute. On XX/XX/XXXX, I called the bank back and found that my case was lost by the bank as TD transferred 3rd party vendors. Again on XX/XX/XXXX, I filed the case for the charges totaling {$1000.00}. My claim was denied by TD bank based on the basis of chip on chip and card in possession. This finding is not accurate as charges were being made on my card from one State ( New York ) while I was physically using the card in another state ( Illinois ). I again filed the claim with another TD bank representative in XXXX of XXXX and was told I would have to call back to receive the status updates and would receive nothing by mail. I do not believe the case was ever re-filed for review. I again filed the case on XX/XX/XXXX reiterating to the TD bank representative that the charges are fraudulent and I could not have made some of them as I was not physically in the state of transaction and I had my card in my possession. I believe my card information was stolen and loaded onto a fake card, but I can not get any traction with TD bank. My claim was again denied for chip on chip and card in possession.
Company Response:
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is regarding unauthorized debit card transactions that TDBank has denied my dispute x 3. On XX/XX/XXXX, I woke up and checked my account to be sure my payroll direct deposit went into my account. I noticed a pending charge in the amount of {$310.00} that indicated XXXX XXXX XXXX' I had not made a purchase for that amount. This prompted me to look at my recent transactions, and I noticed another charge I did not make for {$170.00}, that also indicated " XXXX XXXX that posted on XX/XX/XXXX. I immediately went to TDBank in XXXX, ME, where I was told by one of the customer service reps that another charge for " XXXX '' was pending in the amount of {$330.00} and some change. We canceled my debit card, I got a new one, and was advised to wait until all pending charges posted before filing a dispute. The {$170.00} and {$310.00} charges posted, but the {$330.00} and change charge never posted. I presumed this was because my debit card was canceled in time. I filed a dispute on XX/XX/XXXX. I explained in detail that I shop at my local XXXX frequently, use their app frequently, but did not make these charges. I was given a provisional credit of {$480.00}. Within a week I received a letter stating that my provisional credit would be reversed because they did not believe an error occurred because the charges " were consistent with my spending pattern. '' I then called XXXX and spoke with an employee that I provided dates and my previous debit card info to, and she was able to tell me that one of these charges originated in XXXX, NY and the other in XXXX, FL. On XXXX XXXX, after receiving this information, I contacted TDBank again, and filed another dispute, and gave them the information that the XXXX XXXX had provided me. I again received a provisional credit. Again, within a week, I received a letter stating that the provisional credit was going to be reversed. This time because " I had successful login attempts to my account. '' I again called TDBank, expressed my extreme frustration with the situation and was told they would forward it from disputes to the fraud department, and I would " receive a secure message within 24 hours, in my TDBank app, with a decision. '' I never received a message. I had to call TDBank back. I was unable to speak with someone in the fraud department, and was told I should go into the bank. I did not see the point in this, but I did just that. I went to my local branch again, and was so frustrated at this point, that I asked to close my account. The bank manager asked me " to give her an opportunity to help me. '' I did not want to do this, but I couldn't close the account because I had a pending auto payment processing. So, I told the bank manager she could work on it, but I did not want a provisional credit, as the stress of all this was already enough. I never heard from the bank manager. This whole situation has been extremely frustrating. I did not make these charges totaling {$480.00}. I asked if the bank contacted XXXX, as I did, to confirm the charges did not originate in Maine, where I live. They never really answered the question. I offered to provide my timeclock punches from work. I had other charges on those days, such as a local XXXX XXXX, etc. I have never been so frustrated with a situation. I have banked with TDBank for almost 20 years. I feel as though I am being called a liar and a thief, and I am neither. I want this money back because I did not make these charges. I should not have to suffer the monetary loss simply because I shop at XXXX. I am askin for help to get reimbursed. I have tried every avenue with TDBank, and they just don't care.
Company Response:
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: I tried to transfer money to myself for {$2500.00} via XXXX. Transaction was blocked due to same information on both sides. Upon calling back Td, agent advised to cancel transaction and then redo the transfer through account transfers. As per their advise, I cancelled the transaction with XXXX and went through account verification for account to account transfer. Once completed, when I tried to do the transfer, it was blocking the transaction. Upon calling Td, they said my transfers are blocked and I need to go to a Td branch to verify myself. I am in XXXX, Texas and there is no Td branch around me. I have called TD several times and spoke to their IT team and also managers. No one is willing to help. Please advise how I can resolve the issue.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Td Bank send us a letter dated XX/XX/2023 explaining when they open the account on XX/XX/2023 until closing the account on XX/XX/2023 and that they would be contacting the maker ( XXXX ) XXXX telephone XXXX of the check deposit of {$38000.00} to have them file a claim to send the funds back to them. We have reached out to the maker and they inform us they have not received any letter or phone pertaining to file a claim to get the funds return. The maker has provided their direct compliance department contact information to get this matter resolved. This information was provided to Td Bank in the branch ; as the branch manager emailed this information to their fraud department. And yet it's been about 5 months and we have yet to receive our funds back from TD Bank. As they stated they try to contact the maker and no answer and the maker states they having receive any communication with TD Bank. The maker is requesting information how to file the claim to request the funds back to them and still no answer by TD Bank.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
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 used my XXXX XXXX to purchase two duvet covers through the XXXX XXXX program and returned them in new condition, adhering to their return policy for XXXX merchants. While XXXX promptly refunded one cover, they refused to refund the other, claiming it was worn, despite it being returned in new condition. XXXX provided no evidence or clarification about their '' 'worn '' claim, and they falsely blamed the XXXX XXXX partner for the decision. In addition to this, XXXX declined refunds for XXXX other returns, each time offering different but incorrect explanations. Despite these issues, I continued to place new orders on their website, which were successfully delivered on XX/XX/XXXX and XXXX. As XXXX failed to respond to my attempts to resolve the issue, I filed disputes for all XXXX transactions with XXXX XXXX around XXXX XXXX. I submitted documentation, including tracking numbers confirming delivery, and provided photographic evidence for the new condition of the " worn '' duvet cover, along with a email from the XXXX merchant to XXXX requesting that I be refunded. The dispute process was frustrating. I encountered difficulty even filing a dispute, being sent around in circles for days. After it was filed, I received contradictory letters about the disputes, some stating that the all the disputes had been closed, while others claimed they were still being pursued. After filing a complaint with the Better Business Bureau, XXXX eventually refunded XXXX items but remained uncooperative regarding the " worn '' item. After multiple follow-up calls to XXXX, they agreed to issue a refund, making me financially whole. After initiating the disputes, my XXXX account ceased functioning properly. This is very troublesome as a XXXX adult who struggles to shop in the store. After the dispute, I could place orders on XX/XX/XXXX and XX/XX/XXXX, but both were cancelled hours later. I want to emphasize that this issue did not arise due to the amount of returns, as my account worked fine before I opened the RedCard disputes, as I was able to place orders on XX/XX/XXXX and XX/XX/XXXX. Both XXXX customer service and XXXX customer service confirmed that my account was locked due to the disputes filed on XX/XX/XXXX, citing " irregularities that could not be resolved. '' They explicitly stated that XXXX XXXX is managed by XXXX and only " powered '' by TD Bank. Locking my account solely due to the disputes, despite eventually agreeing that I was owed a refund in all XXXX disputes, appears to be retaliatory and XXXX potentially violate the Fair Credit Reporting Acts rules against retaliation stating the issuer " may not close or restrict your account ( though it can apply the disputed amount against your credit limit ) '' and " cant discriminate against you if, in good faith, you exercised your rights under the law to dispute a bill. ''
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX, I was pickpocketed in a night club in XXXX around XXXX, and my credit card, debit card, driving license, green card and XXXX were stolen. I only noticed the cards being missing around XXXX when I woke up and I immediately called to cancel them. XXXX XXXX refunded the amounts that were charged from my cc but TD bank ignored all my requests to refund the amounts that were charged on my debit card, claiming the thief had my passwords which is complete none sense. The thief also took money from the atm and I am very mad on TD for allowing it happen and then blaming me for it. I have filed a complaint with them 3 times and each time was denied without explanation and I had to approach them again to know that I was denied. The total amount that was taken is XXXX $ which is huge for me and was almost 80 % of what I had in my account. I filed a complaint at the XXXX XXXX police but unfortunately they didnt start to investigate and the bank didnt care.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A