Date Received: 2020-03-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: During my called a told them that was fraudulent account that was open under my name when I contacted them on XX/XX/2020. A few weeks later I received a letter from them to signed and return if the account was not mine, which I did. On XX/XX/XXXX I received the letter attached. Which I totally disagree with them for the following reason. 1. I have never verified from the a one-time passcode. 2. I have never received the card. 3. I have never made a payment to that account 4. that account that was used at they state to make a payment is not mine.
Company Response:
State: PR
Zip: 00921
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Starting back at the middle of XXXX I missed my payment with TD Bank due to medical reasons. I kept receiving phone calls from XXXX. When I spoke to the person who answered the phone I did explain to them it was going to be late. I asked if they could please stop calling because even after speaking to someone I still get 3+ calls in the same day. I was told no, as long as I am a month behind and in " their collections '' I will continue to receive phone calls everyday. I did tell them I would be making a payment when I could and that at the moment due to XXXX and other medical obligations that I was not able to do so. Moments ago I received another phone call again. The representative I spoke to said there are no notes in my account and that they have never spoken to me. My phone bill shows a different completely story, and I told them to pull all the calls and listen. She said they don't do that. Harassment from a bank right now is adding massive stress to me and something I don't want to be pestered about multiple times a day. I have asked for supervisors or managers and I am always told there are no management types in the building. Last night on the way home from XXXX, I received a phone call at XXXX from them. When I told them I would be filing complaints nobody seems to care.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit rating went from XXXX to XXXX. Upon requesting a copy of my credit report, I discovered 7 accounts on my report that I did not open and was unaware of. Six ( 6 ) of which were opened within a 3-month period in XXXX between XXXX and XXXX An adult relative received promotional pre-approved offerings via email and postal, and in each instance the offer was personally addressed to them. The recipient applied for the offers based on an acceptance code in several instances, providing their personal info, not knowing or expecting any connection to my credit report or SS #. XX/XX/XXXX - My low interest rate credit card was cancelled due to my credit report. I requested copies of my credit report from credit reporting agencies and found 7 accounts that I did not open or request. XX/XX/XXXX - After receiving and reviewing my credit reports, I contacted Experian by phone to dispute accounts and explained what I believe transpired. XX/XX/XXXX - XXXX completed dispute XXXX XXXX was removed from my report {$1000.00} XXXX XXXX removed from my report -- they were also contacted directly by me prior to contacting XXXX {$6800.00} XXXX/XXXX XXXX - they said they reported accurately {$1000.00} XXXX/XXXX XXXX - they said they reported accurately {$540.00} XXXX/XXXX XXXX - Closed but referred to collections so I initiated new dispute against the collection agency XX/XX/XXXX {$800.00} TD Bank US Target - Initiated another dispute XX/XX/XXXX {$510.00} XXXX/XXXX Retail - This was previously closed for inactivity and no late payment activity, but not removed from my credit report. {$0.00} ( I also called XXXX XX/XX/XXXX but was not able to get it resolved and removed from my credit report since it technically isn't in my name, but the relative 's name! ) XX/XX/XXXX XXXX/XXXX -- I contacted them to explain the discrepancy and to ask them to remove from my report, but although they have my Soc Sec # tied to the account, they won't talk to me because it's not in my name. They will not tell me ( or may not know ) how my name got tied to the account and who was the database source of the promotional offering that they solicited the relative with. XX/XX/XXXX - Attempted to remove the relative 's name, addresses and phone # 's from my credit report under " known as '' or " other addresses '' or " other phone # 's '' but apparently I can't do that either.
Company Response:
State: WA
Zip: 98584
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had three fraudulent transactions posted to my account on XX/XX/XXXX and XX/XX/XXXX of 2020 one in the amount of XXXX another in the amount of XXXX and another in the amount of XXXX, I filed a dispute with the bank on XX/XX/XXXX i had my debit card replaced in the process the dispute was denied a few days later i wasn't given a clear reason why all i know is that the charges were fraudulent and unauthorized and TD bank failed to understand this.
Company Response:
State: NY
Zip: 11228
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. I recently pulled my credit and noticed inaccuracies I reached out the credit companies and bureaus. The companies removed the fraudulent accounts from my report with no issues all except one bureau that was XXXX they kept an account from XXXX XXXX XXXX and TD target none of these accounts were authorized to be opened by me or anyone associated with me on my behalf.
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My Regulation E claim regarding XXXX debited from my account from XXXX XXXX on XX/XX/2019 was denied. This was a nearly XXXX dollar charge that was not flagged by the TD Bank Fraud department. I live in a large apartment building with hundreds of other residents so my address is not unique, despite the fact that my address was used as evidence to deny my claim. TD Bank claims that they were unable to contact me ; however I called back the contact person at TD Bank on four separate occasions and never heard back. In addition to all of this, I received a letter stating that my temporary credit would be final and the claim was ruled in my favor. This is a clear case of corporate greed where a consumer is being taken advantage of by a large bank. In the future I will take my concerns public with social media so that other consumers do not fall victim to this mistreatment.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Nordstrom sold the debt to XXXX XXXX XXXX per XXXX XXXX On a recorded line they have now sold it to XXXX XXXX XXXX and XXXX XXXX XXXX is unreachable and therefore unverifiable. The only person reporting the debt to the credit bureaus is Nordstrom. This needs to be removed immediately as I can not make a payment to Nordstrom and XXXX XXXX is in fact unreachable and unverifiable.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TD Bank is lying about a charge. I noticed a {$3.00} charge on XX/XX/XXXX from TD Bank that I didn't recognize on my XXXX XXXX account. As TD Bank refused to tell me what the charge was for, I submitted a dispute with XXXX XXXX. I also filed a complaint against TD Bank # XXXX. TD is lying - they claim that the charge is a recurring transaction on my credit card that I authorized on XX/XX/XXXX. However, I never authorized such charge. And there have been no other XXXX payments to TD Bank since then. They also claim that the amount in question was on XXXX when in fact the transaction per my XXXX XXXX statement was on XXXX.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a Preferred Savings account with TD Bank in XX/XX/XXXX. This offers a preferred interest rate at 2.5 percent for the first 12 months. I had received interests at 2.5 percent until XXXX. In XX/XX/XXXX, I noticed on the account that the interest rate dropped to 0.2 percent. I have contacted the bank on XX/XX/XXXX, and I was told that there was nothing wrong. I urged the bank agent to investigate this problem, but I have not heard back.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-15
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: As part of a process of getting my financial life under control, I have been cleaning-up my credit card situation. Due to my wife attending XXXX school and being unable to work full-time for two years, and my attending XXXX school ( twice ), the credit card debt of both myself and my wife has ballooned. For a year, now, weve been making payments and getting nowhere. This is why I decided to take action. All of my other credit card issuers have complied with my request : close my account, lower my interest rate, and put my account on a repayment plan that will see the card paid-off within five years ( with a monthly payment that is no more than at-present ). Those who have complied include XXXX XXXX, XXXX, and XXXX XXXX. The only institution refusing to comply, and has made even the process of making such a request difficult, is TD Bank. As the recorded phonecalls show, I made a request by telephone ( the only way youre allowed to contact TD Bank for Credit Card Services ) through a Supervisor, approximately two weeks ago, to what is apparently called the Forbearance Department ( or Team ). The Supervisor said she saw no reason why I wouldnt be approved and that I would receive a call within three business days. I received no call. When I called back, I had to speak to 5+ people to even get an answer and the answer was ludicrous : because my account is current, not only will they not place me in the repayment program like I asked, but they will also not close my account. This, as I noted on the call, is penalizing a financially responsible individual for being both current on their account and attempting to take preventative action. Further, as I noted on my original call approximately two weeks ago, this TD Bank credit card is not one that I asked for : I previously had a credit card with XXXX XXXX, which was transferred and/or sold to TD Bank. Although I received notice of this action, I did not provide my consent to become a credit card customer of TD Bank, nor did I receive an option to close my account instead of accept the transfer. What I am asking for is reasonable, simple, and responsible : TD Bank must close my account, lower my interest rate, and set me on a payment plan that will see my account paid-off in no more than 5 years ( with a monthly payment no greater than at present ). This is necessary, since my current minimum monthly payment is hovering near $ XXXX/mth, with approximately $ XXXX/mth of accrued interest. TD Banks failure to cooperate with a request that is in my best interest, rather than theirs, is unacceptable profiteering on the back of a XXXX/XXXX XXXX, a XXXX XXXX, and an individual who is seeking to take control of their finances. Since I am making hundreds of dollars in payments each month to credit cards, it is extremely important that TD Bank complies with my request, in order for me to be able to live on my XXXX/XXXX XXXX salary.
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2020-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A