Date Received: 2020-06-16
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: We were supposed to travel to XXXX XXXX XXXX using a travel site called XXXX we cancelled at the right rime so we should have received a refund but they shut down and I received an email saying to contact my bank which I did and provided TD bank with all of my information and was denied! This is beyond unacceptable there should be no reason I was denied
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
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 am the XXXX of a XXXX XXXX XXXX XXXX in XXXX, GA. I currently have around XXXX vehicles financed through various banks. All of these vehicles are on auto draft with these institutions and always have been. Recently, one of the vehicles was at final payment and for some reason TD did not auto draft the account for payment. 60 days later we received a letter in the mail saying payment on that vehicle was delinquent. My finance director contacted them and immediately paid off the balance. We reached out to their customer support and they confirmed that we did nothing wrong and that maybe because of Covid-19 something happened in their system. The customer service rep was obviously working from home at that time. He recommended we file a dispute through the credit bureaus and directly to TD. The TD dispute claim just came back and they are stating they are denying the claim - XXXX as of XX/XX/XXXX. I contacted TD today XX/XX/XXXX and talked to a customer service rep. They said that we were notified when we bought the vehicle back in XXXX that the final payment would need to be a check. This is absolute nonsense and should not be a part of any process. I don't even have the same finance director now that I did back in XXXX. This process is absolutely Predatory. I have not missed a payment for anything in over 15 years. I take the value of my credit to be sacred and one of the most important things in life. This one mistake on the part of TD Auto dropped my rating precipitously. The fact that a lower credit score rating directly benefits companies like TD Auto Finance should be investigated by the CFPB as a fraudulent practice meant to harm consumers and XXXX XXXX like me.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX an unknown person used a fake ID and withdrew in person {$18000.00} from 4 separate accounts I hold at TD Bank during one teller transaction. The withdrawals were physically Made in XXXXTD Bank location address XXXX XXXX XXXX, XXXX XXXX, NY XXXX. XXXX XXXX. My address and bank location is in XXXX, Florida. I allege that the theft was an inside job. The routing for all The accounts is a Florida routing number : XXXX One withdrawal of {$3000.00} was taken from my personal checking account. 3 withdrawals of {$5000.00} each were taken from 3 Florida business accounts I own. All accounts are linked. I live and bank in Florida. In total {$18000.00} in cash was handed to a fraudster who submitted 4 different withdrawal slips where none of the handwriting matched mine. The handwriting was sloppy and Looked like scribble. The signature was a forgery and clearly not mine ( as admitted by both my local branch CSR who knows me and the TD Bank fraud department ). The driver license number was written on the back of the deposit slip was presumably written by an employee at the XXXX TD Bank branch. My name was spelled wrong one of the withdrawal slips, my signature was obviously forged and didnt look like my signature at all. The TD Bank fraud department recommended I restrict all 6 of my TD accounts. Mind you, I called them while I noticed online that the charges were pending. They hadnt even posted yet. But because TD Bank Gave some fraudster {$18000.00} of my money from 4 different bank accounts the money was not available. It may not be returned until TD Banks internal investigation is complete which could take between 90 and 120 days. TD Bank talked me into restricting all my accounts, including 2 accounts that had not been defrauded and I agreed. Then the TD Bank fraud department told me by phone that I couldnt withdraw the money left in any of my accounts because they were restricted. My identity was stolen to the extent that TD Bank is responsible. On the same day I put a credit freeze with the 3 credit bureaus : XXXX, XXXX, XXXX. I was told to keep the 4 TD accounts that were stolen from open with their minimum balance or I may not receive my money. So if you have an account that was negligently managed by TD Bank and someone steals {$18000.00} from it, you apparently need to keep it open to get your money back. Ive had to borrow money to pay both my mortgage and business bills. There is so much wrong with this situation. 1. TD Bank XXXX office at XXXX XXXX XXXX gave a person {$18000.00} in cash from 4 separate TD Bank accounts in CASH while accepting a fake, out-of-state identification. 2. The FL drivers license TD wrote down on the back of the deposit slip had one the numbers wrong ; so it wouldnt have matched with my FL Driver License. 3. The documents TD XXXX had clearly showed a fraudulent signature, my name was spelled wrong on one slip, and the handwriting was scribble that looked nothing like mine. I write in cursive as they taught in the XXXX. 4. The amount part of the withdrawal slips were scribbled. TD Bank is negligent, Committed a felony, and bears liability and must be held responsible so that this negligence doesnt occur again.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of XX/XX/2020 I placed a dispute through XXXX that my credit card balance with Target Redcard ( TD BANK ) is still reflecting an inaccurate balance of {$250.00} when this was paid in full as of XX/XX/2020. Today is XX/XX/XXXX, and my dispute was completed with the same balance that Target REDCard reported with the same inaccurate balance. I tried calling Target REDCard customer service to speak to a supervisor to have the balance information updated but was spoken to rudely and refused on several fronts.
Company Response:
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX, I faxed a dispute form to TD Retail Card Services ( aka XXXX XXXX XXXX ) disputing the full amount of their claim ( {$3400.00} ). I provided them with the correspondence from the customer service department at XXXX XXXX stating that I would not be charged and would close out my account. XXXX XXXX has never responded to the email from their CS representative ( original dispute attached ). Since this time I've submitted a second dispute dated XX/XX/XXXX, which has also never been addressed ( dispute attached ). As recently as XX/XX/XXXX I spoke with XXXX ( ID # XXXX ) and she confirmed that my dispute is still under review as was last looked at on XX/XX/XXXX. I received a letter dated XX/XX/XXXX threatening me with collections, even though they've not responded to my dispute in almost 170 days. On XX/XX/XXXX they assessed a late charge of {$16.00} and on XX/XX/XXXX another late charge was assessed for {$38.00}, not even 30 days after the first. Per the Fair Credit Billing Act of 1974, while a debt is in dispute no threats of collections or late fees may be levied ; yet, they are doing so. I've also send electronic communications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all attached ) and the response has been that they will resolve the matter in no more than 2 billing cycles, or not greater than 90 days. I've still not received a letter on any ruling on the dispute and XXXX XXXX corporate is not responding to TD Retail Card Services. This is now clearly in violation of my rights under the Fair Credit Billing Act of 1974 and I'm owed {$590.00} that was remitted on XX/XX/XXXX to ensure that my 37+ year pristine credit history and exceptional credit rating is not tarnished due to their lack of execution of my dispute.
Company Response:
State: WA
Zip: 98053
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
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 found fraudulent charges on my TD Bank credit card and reported it. They investigated and said they were going to reverse the credit and charged us {$250.00} for unauthorized charges from XXXX XXXX. Their own XXXX XXXX, agreed they appeared to be fraudulent as the telephone provided by XXXX XXXX went nowhere. We have written, called and emailed the bank and they still made us pay the fraudulent charges. In order to preserve our credit, we paid them. XXXX XXXX who is supposed to be a supervisor said the charges will remain. The bank will not assist as apparently the credit card department is in complete charge.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To Whom this May Concern : I recently became aware that my TD Bank checking account had various fraudulent charges in the amount totaling {$9900.00}. The following are the charges that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I went into TD Bank on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX to cancel my debit card and obtain a new card as I was told my debit card was hacked. On XX/XX/2020, I called TD Bank Customer Service to dispute all of the above charges. I was denied and was told they think it was me. On XX/XX/2020, I called TD Bank Fraud Department and am now being told to jump through hoops. I tried to contact the third party vendors ( XXXX and XXXX XXXX ). I was able to send a message to XXXX ( have not heard back ) and there is no way for me to contact XXXX XXXX who is currently not open due to the virus ( as the automated voice message said XXXX. On XX/XX/2020, a police report was created at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. I was told the wait time for the report is 5-7 business days. The type of offense is : information. I'm a step below getting a lawyer on this. TD Bank did not try to help me with my estimated {$10000.00} of fraud. I need help. They say they're America 's most trusted bank. I truly do not trust them anymore and will be telling everyone I can reach, NOT to use them if they can not help me with this issue.
Company Response:
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a call stating that someone had used my XXXX account to purchase a new Cell Phone. XXXX XXXX XXXX was to be my source bank to process the cancellation of this charge. The got as far as trying to get XXXX to send {$300.00} to their email to deposit that money to recover the the theft of the charge to my XXXX account. XXXX correctly placed a hold on this payment. When the criminals called again to verify the transfer I explained that I had reported them to The FBI! I also told them some very caustic statements for my pleasure. Another bad guy from XXXX XXXX XXXX stifled at his own game.
Company Response:
State: NY
Zip: 12901
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have called multiple times to close my accounts with TD Bank after having withdrew all funds. They have not closed the accounts and due to the low balance, I am getting maintenance fee charges for the low balance each month. The last time I talked to them, they said they would remove the fees and close the account. I asked them to email me confirming the closure. They didnt email or close the accounts.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have been dealing with credit card company now for several years, it's still on my credit report and is hurting my credit score and causing many finincial problem. Please help. Target and also XXXX XXXX. It was my dead husband. I have spent days hours etc dealing with this. I don't understand why it's not removed
Company Response:
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A