Date Received: 2020-03-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I called TD BANK on XX/XX/XXXX to dispute part of a charge from XXXX/ XXXX we contracted to move our belonging. All of my information regarding the dispute was taken and entered into the system and I was told I would be given a provisional credit for the amount we were disputing-THIS NEVER TOOK PLACE. I was also told I would receive paperwork in the mail and that I needed to gather receipts and any other information to forward to TD Bank. I NEVER received any paperwork or phone call from TD Bank until XX/XX/XXXX which was a letter from TD Bank ( dated XX/XX/XXXX ) As soon as I received the letter I called the 800 number on the letter and explained that we NEVER heard anything from the original claim from XX/XX/XXXX and wanted to know why it was being denied and NEVER had the opportunity to tell my side of the story. She put me on an extended hold time ( approx. 1/2 hour ) and came back and took the information again to refile the claim and told me to get all the details, receipts, etc. to them within in 1-2 days and gave me number to fax this information, I faxed a 5 page letter along with 6 pages of documents the next day ( XX/XX/XXXX ) I then called TD Bank on XX/XX/XXXX to check on the claim and I was told that there was no way for them to check to see if the 11 page fax I sent over on XX/XX/XXXX was received I would just have to wait to get a call from the claims department. Approximately 1/2 hour after that phone call ( which was rather odd after I just spoke to them ) I received a call from TD Bank claims department telling me that the claim was denied because time for the claim had expired and that there was nothing we / they could do. I explained to the claims rep. that I DID file a claim in the allotted time on XX/XX/XXXX and was given INCORRECT information and I was also told while the investigation on the claim took place we would receive a provisional credit - which NEVER happened therefore, I thought they were trying to get a statement from the merchant. I was explained tonight ( XX/XX/XXXX ) that TD Bank attempted to call me on XX/XX/XXXX and I did not answer. I was told they don't leave messages or try to follow up with the consumer they just move on. I found this to be quite odd since we NEVER received a phone call and I certainly would have called back if a message was left. How UNPROFESSIONAL is that? Especially when we are dealing with a large amount of money .In speaking with a manager tonight- XXXX ( XX/XX/XXXX ) she seemed very adamite about not wanting to help us basically telling us - TOO BAD. She then asked me why we didn't file any sooner than the XX/XX/XXXX date in which I replied, " We couldn't file any sooner because according to the moving company they were trying to locate our belongings and this takes time so we sat in limbo not knowing what to do- the movers had been dragging their feet for 3-4 weeks before even returning our calls, in which they never did just sent an email stating that our belongings were never found and they would not be replacing our lost items. This is actually a 2-fold issue. First, with the moving company damaging and loosing items and not wanting to honor the " FULL REPLACMENT VALUE INSURANCE '' we purchased for an extra {$490.00} and Secondly, customer service representatives at TD Bank not being trained properly and not giving us ALL the proper information needed in order to get this taken care of in a timely manner. Since we trusted the customer service rep at TD Bank on XX/XX/XXXX. We were never told about a time frame nor did we receive a call or message from the original claim on XX/XX/XXXX which would have been within the time frame. XXXX-supervisor at TD Bank tonight ( XXXX/XXXX/XXXX ) basically told us we were out of luck it is beyond the time frame and we should call an attorney. I have NEVER felt so disgusted being treated this way not only by the movers but by OUR bank, TD Bank.
Company Response:
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2020-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Friday XX/XX/XXXX, at approximately XXXX XXXX XXXX, made a XXXX transaction to my bank account for {$500.00}. As per TD Bank 's Mobile App, the money was to be deposited in my account " within minutes '' as it always has been with XXXX since the very beginning. The whole purpose of XXXX is to receive and send money instantly. We have used this service several times and there was never an issue. On XX/XX/XXXX at approximately XXXX I spoke to XXXX a supervisor at TD Bank. There were numerous excuses given regarding their policy and XXXX 's policy. Point of the matter is this : TD Bank allows XXXX to tell customers " available within minutes '' when sending a transaction and once the transaction is processed, the customer receives an email advising the money won't be available for 3 days. " next business day ''. this is defrauding customers who use the XXXX service on TD bank mobile app. Furthermore, no one at TD bank could tell me where the money is located. The monies have been taken out the sender 's account and not put back nor deposited where it should be. Who gave authorization to XXXX or TD Bank to Hold on to the money? TD will not accommodate customers, their response is we can cancel the XXXX transaction and you can resend the money with hopes that it will be available within minutes and if not oh well you have to wait 3 business days for the transaction to " clear '' it was a money transfer from TD bank to TD Bank-wait for it to clear? TD Bank did not want to take the extra step to contact XXXX Thier response to get me off the phone was " Ma'am there is nothing we can do about it '' meanwhile, about 3 weeks ago I was a victum of fraud were almost $ 5k came out of my account and what do you know that was instant, " within minutes '' as XXXX likes to portray.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Target marked a payment as late. what happened is they attempted to charge a bank account that was removed several months previously. They did not attempt to charge a current account. I called Target and they fixed the issue and said it would not appear on my credit report. But then it did so I called them again and they said they would remove it and yet they did not. due to an error on their side there is a false late 30-day payment mark that needs to be removed.
Company Response:
State: CA
Zip: 95648
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: 2020-03-13
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I purchased two pieces of furniture from Raymour & Flanigan in 2019, at two different times, but both times using a promotional program that allowed me to pay over time and be charged no interest if I paid the balance in full before the due date. Every time a bill came I paid much more than the minimum due, with every intention to pay both items off on time and incur no interest. I discovered today that the item I purchased first did not get paid down in time and that I had incurred {$89.00} in interest charges. I called the bank ( TD bank, apparently ) to inquire and they told me that every payment above the minimum was applied evenly to the two items, and that if I had wanted the overage to be applied to the earlier purchased item I would have had to call them and ask them to do that. So notwithstanding that the principal balance on the first item was only {$46.00} and I had paid much more than than over the minimums on each bill my total bill for that item was now {$130.00}. I believe that I was the victim of a deceptive business practice, and that they have probably been doing this to a lot of people in order to maximize their fees. I had every right to expect that since I was receiving one bill and making one payment that they would be applying the excess payments to the first-maturing item. That they did not, and instead applied my payments so that they could charge me interest, is outrageous and fraudulent. They failed to clearly disclose that I would have to call them to have them apply my excess payments rationally. To me that's an omission of material fact necessary to make the statements they made about their promotional program not misleading.
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have received your first notice dated XX/XX/2020 and wanted to let you know that i was never provided with a " debt validation notice '' rather the notice I have is threatening to file litigation. I would like to dispute the validity of this debt on the basis of the following reasons : 1. Incorrect Balance 2. Debt disputed with TD Bank while account was in good standing 3. TD Bank withdrew funds from my checking account on 3 separate occasions without my consent and refunded the funds to me the first time, the two subsequent transactions caused my checking account to go overdrawn and I was assessed a lot of fees as a result. 4. My last communication with TD bank supervisor ( XXXX ) was confirmed that they would dissolve the remaining balance to avoid further complaints from my side due to TD banks blatant disregard for consumer laws as it pertains to Unauthorized ACH Transactions. Kindly provide me with Proof of debt, accurate balance and all evidence both recorded and documented of my interactions with TD Bank.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased airline tickets online through a third party in XXXX of 2019. Over the following three months, the airline changed the flight times multiple times ... all of which I agreed to since they were minor. But they changed the time once again, which conflicted with my schedule and was out of the Federal DOT rules for allowed time changes. I went on the booking party chat and called customer service to try and fix the issue. I was hoping we could just change the dates to a time that would work for me. Customer service informed me at this point there would be a {$300.00} per person change fee, as well as the difference in rates. That would come out to at the very least more than {$800.00} to change tickets that I had no control over. Tickets that originally cost me {$1000.00}. This is a substantial charge imposed upon me as a consumer. In other words, pay almost the entire original amount of the trip for a change I did not agree to. Services were not provided, since the trip was scheduled for XXXX, and I will have to rebook at a higher price, costing me more out of pocket. I explained all of this to my bank - TD Bank NA and they've declined to issue me a credit for unused services.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had an offer from my credit card company to do a balance transfer to pay other credit card, they send me three check to use it for the transfer with 0 % interest for one year, that was on XX/XX/2020 company name TD CREDIT CARD I call the company to find ask about the offer, and they told me they can do the transfer for me and told me I have enough to cover the transfer for the amount of {$7200.00} plus a fee the charge, without letting me know or asking me about it they place a hard inquiry on my credit report, and they wasn't supposed to do that because I was already a customer, so I call the company when I did find out about it and the company representative told me that they don't do that because is was a balance transfer I was already a customer and will start an investigation to take care of the mistake, so I call back on XX/XX/2020 and the company told me that they won't removed from my credit report because I agree to that, which I didn't, I ask for a copy of the recording conversation to see if I agree to that and told me they won't give to me, this is unfair because they blocking me for two year if I want to apply to another credit card company that offer balance transfer I want the hard inquire to be removed from my credit report so I can have the choice in the future to pay any debt with 0 % interest from other company which I did before with other credit card company without any problem I didn't requested a new credit card to place a hard inquire on my credit report just a balance transfer this was an unfair business practice from the credit card compay
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a {$12000.00} check into TD Bank on XX/XX/20. Within 24 hrs my check was flagged a fraud. The check as been reviewed and cleared by XXXX XXXX XXXX as cashed and by the pension fund via phone with TD Bank.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD Bank USA/Targetcred # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Company Response:
State: UT
Zip: 84070
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A