Date Received: 2024-01-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I closed my TD bank XXXX Credit Card in XXXX. In XX/XX/XXXX I accidentally reactivated a subscription program with XXXX and they charged my old ( closed ) credit card on the account without my consent. Because I did not have any relationship with TD bank for years, I did not notice the charge until months later, by then they were already charging me an absurd amount in interest fees. Their phone customer service told me to go to a branch to get the fees removed. The bank employees told me to come back in XXXX different dates to talk to the manager. The manager didnt even care enough to understand my situation. Now Im trying to pay for fees in a cancelled credit card and their customer service number never answers the call, and when they do they keep transferring me and putting me on hold. Its the most absurd situation Ive seen in a long time. Ive already spent countless hours trying to solve the issue. Their employees are highly trained to sell but not to serve and help the customers.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX, phone XXXX, the sole owner of used car dealership XXXXXXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX NJ XXXX, ask for your help to find cyber scammers who got my money. My TD Bank and XXXXXXXX XXXX where money where wired did reject to help me. On Wed, XX/XX/ at XXXXXXXX XXXX I purchased a vehicle for my customer at XXXXXXXX XXXX XXXX through website XXXX I went to their contact page at XXXX XXXX XXXX picked email XXXX and sent them request to provide me wire transfer instructions how they want me to pay for the purchase. During the correspondence, somehow my contact was intercepted by the attackers and they, on behalf of XXXX, gave me an incorrect bank account for transferring money. Visually you could not find a difference between real and fake XXXX emails. We found it only XX/XX/XXXX during the internal investigation. I sent a wire transfer of {$88000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX ) to the fake bank account in XXXX XXXX belongs to fake XXXX XXXX, criminals gave me. In fact, I lost all my money. Yes, it was my mistake, I could not recognize the scammers. But their playing was very professional. It was impossible. I absolutely do not believe that in the digital age it is impossible to find criminals who stole digital money transfers. It is especially important to understand that this was a domestic transfer, not an international one. Someone registered a company, opened an account, and received money. Even if the money was then transferred abroad to the United States, these are still digital transfers. It's impossible to hide your tracks. Sooner or later, this money still had to be cashed by some specific people. The refusal of banks to help looks like laziness and complete unwillingness of banks to cooperate and help their clients in very difficult situations. There are lots of legal actions done by myself already : 1 ) Local police report # XXXX was filed at XXXX XXXX XXXX XXXX NJ Police department XXXX XX/XX/ 2 ) FBI Complaint was filed at XXXX on XXXX 3 ) On XX/XX/ I stopped by at my TD Bank at XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX, ( XXXX ) XXXX ( XXXX ) and asked them to find any kind of information and opportunity how to return the payment 3 ) XXXX Case number XXXX has been created XX/XX/XXXX for XXXX. Information requested from XXXX : all access date, IPs, Location and devises and also any kind of suspicious activities on my account XXXX during the XXXX, XXXX and XX/XX/XXXX XXXX 4 ) This is the list of fake emails belonging to cyber criminals. XXXX XXXX XXXX 5 ) Copy of all the paperwork and reports sent to National Security Agency by mail by USPS XXXX on XX/XX/ Any additional paperwork is available upon request. I am attaching some of the paperwork, but I have more than 40 extra files ( more then 100 pages ) with everything including email conversation with suspects. Please help me to get my money back. I put all my family savings into this transaction to cover by clients purchase on time and now I am totally broken. Thank you.
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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 that my balance seemed high when I went to set up payment for my credit card. I After review, I noticed 6 fraudulent charges. One of the charges still pending XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$950.00} ( same amount purchased twice ) XX/XX/XXXX XXXX Unites States XXXX ' XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX still pending when I caught the fraud ) I immediately called, told the rep the card was still in my possession but I did not approve or purchase any of the above. The rep told me she would not be able to open up the claim on the pending item and I would need to call back for that one. She cancelled the compromised card and overnighted me a new card. On XX/XX/XXXX I realized I never was credited for any of the charges, and I needed to put a claim in on the one that was pending. I opened up a claim. Claim # XXXX On XX/XX/XXXX I woke up to text notifications of charge backs dating back to XXXX. I saw that the charge backs were for XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$950.00} I immediately called TD Bank and let them know I wanted to appeal, that I felt that these were fraudulent. I told them that I tried to call the numbers provided and could not get through and that when I searched XXXX XXXX I saw a decent number of complaints about them being fraudulent TD reopened the claim under claim # XXXX XXXX On Saturday XX/XX/XXXX I received the rejection letter from my initial claim XXXX. In that package proof of sale and deliveries were received from XXXX XXXX and a proof of delivery only was received from XXXX. When I reviewed the documents from XXXX XXXX I Noticed the following GLARING discrepancies. 1. ) The name given to XXXX was XXXX XXXX. The name on my credit card is XXXX XXXX 2. ) The apartment given to XXXX Was apartment XXXX. For security purposes I will not list my apartment here, but that is not the same letter as my apartment, and it is not the same floor 3. ) The email given is an old email that has shown up in a number of company breaches. This email is not the one I use for my purchases or my TD Banking. 4. ) The IP given was listed as XXXX. My Mobile IP IS through XXXX XXXX XXXX my home IP is through XXXX XXXX 5. ) And this the most important, the items were all shipped to an address in the XXXX, not to my address is XXXX, XXXX. ) The tracking numbers show all of the orders being delivered to the XXXX most of them being signed for by a person named XXXX, one of them being fraudulently received by XXXX XXXX. XXXX. ) The XXXX delivery shows a picture in the POD and that is not a picture of my apartment door. I have lived in my apartment for 20+ years, I know that without the correct apartment is associated with my account, and its part of my legal address. A charge should have never been approved with the partial address being provided. A change should have NEVER been approved with a name different than shown on the card. I have no association with the address in the XXXX. I have never lived in the XXXX. I do not have any friends or family that live in the XXXX. And I can attest I do not know anyone who lives at the address shown on the XXXX XXXX. Part of the main reason I use the TD Bank Card ( out of my many credit cards which are current and used responsibly ) is because of the XXXX ZERO Liability Policy. I can not fathom how I am being held LIABLE for charges when Im supposed to be protected under this policy. Especially since the evidence provided by the vendor is not my complete legal address or name and is not associated with the email I use for my TD BANK card? I feel that TD Banks customer representative not filing the claim when I called on XX/XX/XXXX cost me very valuable time in this dispute. I feel that TD Bank is being lazy in reviewing the items of not having the correct FULL address, incomplete name and different ship to and is not looking out for their customer who they promised had Zero Liability in Fraud. I am including back up documents with XXXX and XXXX Proof of deliveries showing delivery to address in XXXX NY. I am showing back up documents from XXXX showing incomplete/incorrect billing address. I do not have order back up for XXXX, other than proof of delivery to XXXX NY via XXXX XXXX That this is a clear case of fraud and identity theft against me and that they are taking the easy way out because my street address is correct. They are not fighting for me despite having been a loyal credit card customer with no issues for 7 years and a loyal banking customer with XXXX checking accounts open with no issues for over TWENTY YEARS. TD Bank has a dishonest history with their coin scam ( which they lost a class action suit ), and their overdraft scams, and now this has left me completely without faith for this institution. I WILL Be closing out all accounts after this is resolved as they have been very unhelpful. The customer service reps have been kind an compassionate but that doesn't help me deal with {$4300.00} in fraudulent charges.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Received loan through dealer on XXXX I believed this was a standard auto loan. After over a month, I had to contact the dealer to see who did the financing as I had heard/received nothing. As of XX/XX/, I had received no paperwork for this loan regarding first payment due date or payment amount due. Called customer support stating this issue. XXXX said they had my physical address entered and not my mailing address entered so I updated this and paid {$2000.00} to go towards future payments to allow more time for the documents to come in the mail. I asked the rep if I would be good for a while and the rep said yes. On XX/XX/, I checked my credit score and saw that lender filed a late payment for the XX/XX/ payment being XXXX days past due. I called customer support to inquire about the issue as I had made a payment and to also inquire why I still had not received any documents or statements. XXXX stated that my address had been noted but not actual entered. The rep also stated the {$2000.00} payment wasnt applied to my bill due - only as a principal payment. I told the rep it was suppose to go towards monthly payments, however, rep stated that wasnt possible and began arguing. I stated that he needed to listen to the previous call as it was recorded. After placing me on hold to, what I suspect, listen to the previous call, rep came back apologizing. He then transferred me to someone who could help. Nothing was done aside from me paying another {$1000.00}. The rep applied it to the late payment due. I do not see how I could have a past due of XXXX days for the XX/XX/ bill when I paid {$2000.00} on XX/XX/. I filed a dispute, however, lender states their reporting is correct. This does not make sense. The only error I see is the lender ( XXXX ) never sending paperwork for a loan they administered and ( XXXX ) not applying a payment correctly to an account for a borrower that had no knowledge of the repayment schedule as the lender never provided it ( which was another error on their part ).
Company Response:
State: KY
Zip: 420XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023, XXXX XXXX XXXX issued me a check in the amount of {$9700.00}, representing the funds from an account they closed on my behalf. Unfortunately, XXXX did not inform me of the account closure or the issuance of the check during the entire process. The check was dispatched on XX/XX/2023, and it arrived on XX/XX/2023. However, the delivery by XXXX went awry as the check was sent to an incorrect address. Regrettably, someone intercepted the check and successfully cashed it on XX/XX/2023, at TD Bank, under the name XXXX XXXX XXXX. This individual forged the check by adding " and XXXX XXXX XXXX '' after my name in the " pay to the order of '' section, and subsequently signed it for cashing ( A copy of the fake check as in item XXXX ) On XX/XX/2023, I called XXXX to ask them where my check is and they told me someone has cashed it by faking the check. On XX/XX/2023, I went to the XXXX branch at XXXX, NY and spoke to XXXX XXXX. He informed me of the procedure for correcting such mistakes. I have also sent the declaration of unauthorized endorsement or altered item form ( A copy as in item 2 ) and unauthorized signature or forged item declaration ( A copy as in item 3 ) .I also have reported this incident to both XXXX ( tracking number XXXX ) and the local police ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX Detective XXXX, report number XXXX ), and they are currently conducting investigations into the matter. On XX/XX/XXXX, I contacted XXXX and the customer service told me they can be responsible for the loss and they were waiting for XXXX to conduct the verification on their end. However, XXXX hadn't done that to this date ( XX/XX/2023 ). From XX/XX/XXXX to XX/XX/2023, I kept contacting the XXXX claim team ( phone number XXXX ), they kept telling me that they hadn't received my documents, even if it's been a week from the day I filed it. They also kept giving me different responses regarding my situation, some said they received the verification request from XXXX, some said not. On XX/XX/XXXX, XXXX told me they have sent a request to TD Bank to issue a refund about this case. However, they told me it would take up to 90 to 120 days for TD Bank to respond. Unfortunately, I can't wait that long since I am leaving the States in this month. I sincerely asked TD Bank to reply to this request as soon as possible and refund me the money.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hi, On XXXXXXXX XXXX, I have opened a TD Beyond Checking Account package ( along with new savings accounts ) by using an online promotion of receiving {$600.00} ( {$200.00} for savings and {$400.00} for checking with different eligibility criteria as received in a promotion mailer ) and met all the criteria of the promotion to deposit funds in form of new money into the savings account within first few days of opening the account. After couple of months, I had received the {$200.00} in the savings account as expected. I had also successfully satisfied all the eligibility criteria for the checking account bonus which was direct deposit setup from my employer directly. Surprisingly in the initial 3 months, my employer direct deposit was shown as ACH deposit in TD bank statement and it seems because of which they are not ready to issue the {$400.00} bonus. However, right after the promotional period the same deposit from my same employer suddenly started showing as direct deposit which was there till XX/XX/. Moreover I had offered them to provide proof that on same period during XXXX, XXXX XXXX XXXX my other bank deposits came as direct deposit from my employer. Unfortunately, they didn't allow my to show the proof and denied 8-10 times I tried to escalate this matter. Till XXXX XXXX end, I tried and failed and finally decided to close all my accounts in TD bank. I had maintained that high balance for past 9 months in the bank for no reason, so I'm really frustrated and feeling helpless. So I am requesting for any help or support in this matter if possible. Thanks in advance.
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: TD auto in companys Statements in the investigation clearly states that the account was paid in full and that they have a duty to report accurately following the FCRA guidelines. In review of my credit report they are not in accordance with this law.
Company Response:
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to bring to your attention the inaccurate information that your company has furnished to consumer reporting agencies. This inaccurate reporting has caused significant damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and housing purposes. TARGET/TD Account Number : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX ( XXXX ) Balance : {$500.00} High Credit : {$0.00} ( XXXX ) Credit Limit : {$300.00} Past Due : {$500.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX ( XXXX ) Date of Last Payment : XX/XX/XXXXXXXX According to 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishing inaccurate information is strictly prohibited. The law defines a duty ( a moral or legal obligation ) for furnishers to provide accurate information. The IRS further clarifies that a charge-off is considered gross or ordinary income, which is not to be reported on consumer reports. I hereby demand that XXXX ceases and desists from reporting incorrect and inaccurate information immediately. Your duty as a furnisher of information under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits the furnishing of information if it is known or reasonably believed to be inaccurate. Furthermore, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) prohibits the continued reporting of inaccurate information after notice and confirmation of errors. I have notified you that specific information is inaccurate, and it has been confirmed that the information is, in fact, inaccurate. Continued reporting of this inaccurate information constitutes a clear violation of the law and has caused severe harm to me and my family. This letter serves as a final opportunity for TD BANK USA/TARGETCRED to cure and delete this erroneous account from my consumer reports.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: From XX/XX/XXXX I had a Target Redcard interest rate of 22.90 % for Charges and 25.90 % for Cash Advances. On XX/XX/XXXX Statement it showed 28.15 % for charges and 31.15 % for Cash Advances. As a settlement, I politely asked for 3 months waiver of interest from XXXX XXXX, they gave only one month. Stated I could have one month as a courtesy. Called several times, same response. No additional waivers. Never received a letter for APR change nor was it mentioned on the statements which followed. No consumers attention at any time. The interest changed every 3mos during this time period.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Someday fraudulently alter the name of the recipient 's name from already deposited check and deposit for the second time. Therefore, I filed TD bank fraud referral form on XX/XX/2023. XXXX store name-TD bank, XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX ( which I got from customer care ). It's been more than XXXX months since I filed the complaint. There has been dead response from the bank, either they told me, there is no response from the agency, come back after one week or call the customer care. This has been repeating for the last XXXX months and I felt like they want to bury my case under bureaucracy paperwork and simply ignore my refund. I request concern authority to look into my matter and take swift action so that common people like me, don't have to " still waiting " to my money back.
Company Response:
State: NY
Zip: 11370
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A