Date Received: 2020-05-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2020 I tried to make my online payment with TD Auto Finance web site it was not working correctly. I called TD Auto fianc and asked the rep if she could see I made a payment she said no so I made payment with Debit card. On XX/XX/XXXX I checked my bank and saw TD Auto finance had taken another payment thru my checking account. I called them the rep told me he we can call my bank and verify the funds I explained the funds posted today then he told me he can only hold 3 min and the wait time to speak with a rep at XXXX was 12 min. I I asked him how can I get my funds back he said I had to send a notarized bank statement to TD. I explained they took the extra payment they should be able to refund it. I went to XXXX branch and the financial rep there called TD to inform them yes funds were received and 2 payments were taken. The rep from TD Bank told the financial rep at XXXX it would take 30 days to get the funds back. I feel in these times with the Covid yes Im blessed to be working but still need my money back on their mistake and it should not take 30 days when they are a bank. I disputed the payment with XXXX my bank they will refund my money but now their will be fraudulent report with their billing system and it will block me from making payments going forward I will not do XXXX XXXX or XXXX XXXX TD Bank has to correct their policies so this does not happen again and customers should be able to get a refund with in 5 days not 30.
Company Response:
State: SC
Zip: 29640
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
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/2019 a fraudulent account was opened in my name at XXXX XXXX at XXXX XXXX mall in XXXX, AZ. TD Bank is the Financing Bank for their credit cards. This account was made known to me from my credit report I ran because there were numerous other accounts opened in my name in person between XX/XX/XXXX and XX/XX/XXXX. On this date, the thief actually came in the store the day prior to make purchases but had to return the next day because they came in the store too late and the banks would be closed to issue them a line of credit. The next day, they returned to make two purchases- one for {$2400.00} and another for {$3200.00}. My detective with the XXXX Police Department, XXXX XXXX, ( Case # XXXX ) was able to speak with the merchant and the holiday hired clerk stated they thought the customer was odd because they read their info for the credit line off of their phone, they spoke with the bank, and they approved the credit, so their hands were tied. When I found out about this account, I spoke with XXXX XXXX and they gave me a case # XXXX and TD Bank. They were very cooperative and actually were one of the few that gave me important details about the transaction that I was able to relay to the police department. After speaking with them extensively, I was told that I would continue to receive statements but to ignore them because I would not be held responsible for the payments. After continuing to receive them, I called TD bank last week and could not get through to anyone. I called back today and I was on the phone for 7 hours and 16 minutes, holding the majority of the time or being transferred to different departments. At times I was told that XXXX did not respond to my dispute in a timely manner so it was " timed out '' and I would need to start the process over. After talking to another person I was told that XXXX responded to the dispute that it was " legitimate because proof of receipt and purchase was shown '' so it was denied as fraud. This seems strange to me since I have a case # with XXXX and a Police court case # and also my Detective, XXXX XXXX, has spoken with them and also has video surveillance footage from this store of the thief. After being on the phone with TD Bank for 7 hours and 16 minutes today, talking with the " front office supervisor '' I was told she was the highest up person i could speak with, and my only options were to send in my concerns in writing to them and/or dispute it with the credit bureaus as fraud, since my case was considered " resolved ''. After having all other fraudulent accounts closed and wiped from credit and everything, this is the only account I continue to have issues with with not an acceptable resolution.
Company Response:
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had paid off my Nordstrom credit card. It was at a balance of {$360.00}. I'm trying to get my credit score up to get a car as soon as possible so I asked if they could update my information to " paid off '' I did that through XXXX and they said my information is inaccurate and it stays the as it is. So I sent in documentation that showed that I did and they still refused to change and of course they sided with Nordstrom. Always quick to put negative things on your report but when it comes to positive things it's seems to be very difficult. So with that being said I didn't expect an update so quick but when I ask multiple times and they refused and said that what I'm saying is inaccurate is another thing. So Nordstrom is telling me I'm a liar and XXXX doesn't even take the time to investigate just goes off by what they say. I don't think what I was asking for was out of line
Company Response:
State: OR
Zip: 97267
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: TD Credit Card # XXXX XXXX XXXX XXXX I was trying to use my TD cards the last few months but was not able to. After trying for a few months on getting through customer service, finally I was able to get through on XX/XX/XXXX. I was informed by customer service the account was closed and they could not do anything. I have been a long time TD customer, I never have received any notice regarding this account closurer. This is absolutely astonishing given the Cov19 crisis that I'm trying to use this credit card to purchase daily essentials.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Following collection company has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. Account NameNORDSTROM/TD BANK USA Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$550.00} written off. {$550.00} past due as of XXXX XXXX.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
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 am submitting a complaint about Target card services for inappropriate to timely reported unauthorized charges, for failure to conduct a fair and reasonable investigation, for failure of timely written notification of determination, and failure to respond timely to an appeal of their decision. On XX/XX/XXXX I checked my online Target account and saw fraudulent charges that had occurred from XXXX XXXX XXXX for a total of {$7700.00}. I had thought my limit was only {$2000.00}! I called Target card services and spoke to the fraud department immediately to report these charges as fraudulent. Additionally, I was told my limit had been increased to {$9000.00} that month. I was taken aback when the tone of claims represented immediately placed blame on me because the pin and card were used. Although I thought I had the card at home when I called to make the claim from work, I found the card was not where I had thought it was. I called to make them aware the card was not in my posession. I explained that I did not know how or when the card was lost or the pin was compromised. I also explained the last time I physically remembered using the card was in XXXX and that I had only made one online purchase in XXXX that I did not physically need the card for. Since the card is in someone's possession and they were actively using it I asked if we could put a fraud alert on it so it would be flagged the next time it was used and we could catch who has it. The representative said they wouldn't do this and the card would just be closed and declined if used again. I was issued a new card and I was credited {$7400.00} out of the {$7700.00} in charges I reported. I received an affidavit of fraud in the mail which i promptly filled out and returned listing the {$7700.00} in charges. I received no other communication from Target other than my card being upgraded to a mastercard and my monthly statements. I assumed that once Target looked in to the charges they would clearly see the pattern of spending was completely out of line with mine. I have never charged more than {$400.00} at Target on a given trip and there were multiple charges over {$1000.00}. Furthermore, there were multiple days where charges were made at 3 or 4 different locations! I was at work on these days and would have had no way of doing this! On XXXX XXXX I checked my online account and was confused to see activity that showed {$7400.00} in credits to my account, however, they were actually added to the total bill due. I called Target card services to clarify and was notified that on XXXX XXXX, XXXX they had made the determination that the original charges I reported were valid. I was extremely upset because I had not received a written letter stating this. I asked how to proceed and was informed that at the bottom of the determination letter there were instructions to appeal. I asked for the letter to be re-sent so I could begin this process. I waited for the letter that still did not come. I called multiple times receiving different answers of how to proceed. I kept being asked to clarify how my pin was compromised when I clearly didn't know! In XXXX I finally to find out that the letter had actually not been re-sent. It was re-sent and I received it on XXXX XXXX. The letter simply stated that they made the determination that the unauthorized charges of {$7400.00} ( not the {$7700.00} ) were determined to be valid because the pin and card were present. There was no information on how to appeal and there was only a phone number for the claims officer. I had already left her voice messages without response and I left her another one without response. I was finally able to get the address and fax number of where I submit an appeal to and faxed an appeal letter on XXXX XXXX, XXXX. I called to confirm their receipt of this fax and they confirmed it was received on XXXX XXXX, XXXX. I was told it would take up to 60 days to review. After 45 days passed I called to find out the status and was informed it could take 90 days! I asked to have records of these dates and my calls which they told me they could not supply despite clearly being able to reference them all in their system. I was told the claims officers are not answering calls and there is no e-mail where they can be reached. However, the few representatives I spoke with all promised they were sending emails to the claims officer to escalate the case. It is now XX/XX/XXXX and beyond the 90 days. I still have not received any communication regarding my appeal. I need this balance off of my card because it has been negatively affecting my credit score, increasing my monthly amount due, and putting a significant financial strain on me. I have attached my appeal letter and the XXXX XXXX statement showing the initial charges and credits.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Auto account number # XXXX need to be updated on credit report. Account shows included in bankruptcy but account has been being paid since XXXX all the way XX/XX/XXXX and was paid in full. Td Auto has recently reported that this account was included in bankruptcy was that is not the case I have attached payment history and paid in full letter from TD Auto Finance and is requesting my credit report to be updated.
Company Response:
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I made a payment to XXXX Visa from TD bank XXXX, under social security XXXX on my checking account on XX/XX/2020 and the TD bank after many weeks refused to pay XXXX Visa. I am now left with a late fee on the XXXX payment to XXXX XXXX and now behind on two payments. I paid {$100.00} to join XXXX XXXX as well as XXXX a year so it is a total loss for me not to have the card. TD bank is locked up, and their phone service is totally unavailable. I wrote them a letter and tried XXXX but they no longer communicate with the customers. My roommate just uses the ATM and no change is available anymore for laundry. I used to get quaarters there.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Td bank has been paid and should be removed off of credit it has been over 7 years
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020 I went to use my checking account and noticed the funds were not available in either account ; XXXX & XXXX I called the main office of TD Bank and was on hold for 45 minutes so I got in the car and drove to the branch. I spoke to the branch manager in XXXX, Massachusetts and she did not know why my funds were frozen but she would email the proper dept. and get back to me on Monday. On XX/XX/2020. I received a call from XXXX ( no last name given ) on Monday and returned her call the following day. She said my account was frozen but could give me a reason. I asked her for a letter or some notice so I could investigate the situation and she could not provide me with one and left it at that. This was a Department of United States Treasury Check and according to 15 USC 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. American Citizens have rights according to 26 USC 6332 if there was a problem with my check I would have been given Civilian Due Process and 90 Days to correct any mistakes but because this was straight out theft of my funds I was denied any civilian due process. Also According to 15 USC 2 Every person who shall monopolize, or attempt to monopolize, or combine or conspire with any other person or persons, to monopolize any part of the trade or commerce among the several States, or with foreign nations, shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court. This was Theft, Unauthorized Transaction, Consumer Fraud, Restraint of Trade, The bank also used my exemption and according to the FDCPA all of the above is UNLAWFUL. Also in the event that a 3rd party debt collector has requested the funds out of the account I am prepared to file a suit against the bank under these United States Codes that are here to protect Americans. I request that my funds be put back or released into my account immediately TD Bank has a fiduciary duty to all citizens to follow the law as stated by Attorney General XXXX XXXX notice to all last week! I expect the funds to be returned immediately.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A