Date Received: 2023-09-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a letter of settlement. I called and asked if the settlement offer was still available. My husband was a XXXX XXXX XXXXXXXX US Vet, service related because of XXXX XXXXXXXX exposure. He was in XXXX for 39 days and then died. I had not replied to the settlement letter originally because I was spending all my time trying to save my husband in the XXXX or at the VA making sure benefits were filed properly. The person I spoke to said if I paid that settlement that day, then the debt would be settled. She wanted me bank info on the phone. I asked if I could do it online and she said yes. I went online and paid the full amount of the settlement. Then I received a legal summons- the process server was intimidating and threw - not handed - but threw the summons in my face. The summons made no mention of the settlement or the amount already paid. I immediately called the law firm. After being placed on hold again and again, I was told no payment was ever made, that I was not truthful and the only way to resolve this was to make the full payment - more than what was owed. I had a huge fight with this individual ( XXXX XXXX ) before he agreed that they had received a large portion. But then he proceeded to insist no settlement letter was ever sent to me and I never spoke to anyone at the firm. He again pressured me to pay, nothing would happen with the summons until they had the full amount. Finally, he agreed to honor the settlement. He should have been required to confirm this in writing. He said it would take 14-21 days. Because I had nothing in writing I began calling after 14 days. No one returned the calls. I finally reached a human being who said he was only interested in debt collection, NOT answering my questions. This seems to be their SOP to harass people to pay, without even confirming the amount or the circumstances. I then had to fight and fight again, first to confirm the debt was settled, then to confirm they had dismissed the summons. But I still have nothing in writing. They should be required to provide this same day by email if requested. Why should consumers have this threat hanging over them, and not know if this firm will behave legally, afterall, the first promise was not kept. There needs to be a higher standard that they are held to and in cases where they fail to meet business ethics, everything regarding the debt should be struck from the consumer credit report. Afterall, we can not keep this on their record for 7 years so they can get away with repeated bad acts. If corporations find out they have a bad record for 7 years it impacts their business. If you are willing to accept the concept for consumers, then apply the same when they do not act accordingly.
Company Response:
State: CA
Zip: 94123
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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 made a fraud claim for transactions that are not mine in XX/XX/XXXX. Fraud claim was closed in my favor. Fraud claim was subsequently reopened for some unknown reason in XX/XX/XXXX. Evidence supporting the fraud claim against me has never been provided even after requesting the information several times. I've called the credit card company at least 30 times. I have only been able to briefly speak to the representative handling my claim one time. I request a call from the employee handling my claim every time I call and she never calls back. I've wrote the company 2 letters. I also ask to receive a call back from the supervisor of the employee handling my claim. I have Never once talked to the supervisor at all. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern ; Please take this as my appeal to my fraud claim that was initially denied in a letter from your office dated XX/XX/XXXX. Your investigation is wrong and erred in its denial. Regarding the 3 points presented in your findings, please find my responses : -Travel tickets were purchased using this card, but no travel tickets in any instance were disputed by me. Therefore, you are presenting incorrect information and basing your decision off of incorrect information. -The card was not in my possession at all during the period that these transactions took place, nor do I have possession of the card now. I do not know where it is, what happened to it, or who used it. Regarding transactions being made using my PIN number, I never provided my PIN number to anyone nor was my PIN number written down anywhere. Additionally, after calling your office and speaking with a representative by the name of XXXX, she advised me that your information was incorrect because she does not see anywhere my PIN number was used in any of the transactions that are in dispute. Furthermore, the letter from your office dated XX/XX/XXXX states a disputed amount of {$1000.00}. I never disputed that amount, I do not understand where that number is coming from. This fraud claim totals 9 charges in the amount of {$440.00}. Due to these faulty facts in the investigation, I request that this fraud claim be approved in its full amount. Sincerely, XXXX XXXX
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: 1. I have no way to contact the customer service for this account. 2. I have no way to access my statements. 3. I hav e no way to access due dates for my account.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had about {$280.00} in my TD Convenience Checking Account, which I had opened since XXXX. I have not used it since but kept the minimum to leave the account open and received monthly notifications of account statements. However, on XX/XX/XXXX, it looks like I have stopped receiving statements. I went to log into my account and saw that they had closed my account without notifying me nor getting in touch with me on how I can receive the money I still had in my account. I called Customer Support and they have been no help in providing me information. They just say that I'm not a customer there and are clueless on what to do next.
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2023 I was charged a maintenance fee of {$15.00} dollars on my checking account. I have been seeing this charge and other fees more often on my account even though I comply with requirements. My checking account is free of charges as long as I keep a minimum of {$100.00} dollars. On XX/XX/2023 I went overdraft on my account due to a merchant processing a payment late. I was charged an overdrawn fee of {$35.00}. But there is grace period to avoid the fee of {$35.00} if you make a deposit which i did same day. The overdraft fee was reversed of {$35.00} and I complied. But on XX/XX/2023 I was charged a maintenance fee of {$15.00} even though I complied with the requirements of maintaining my account above {$100.00} within the grace period of same day bringing the account to good standing. These fees are misleading and deceptive that TD Bank is charging because even though you comply with the requirements, they still charge a fee later of hoping that you will not notice. These fees are deceptive and even though I complied by making a deposit and avoiding the overdraft fee of {$35.00} and low balance fee of {$15.00} I was still charged at the beginning of the month the {$15.00} dollars. I feel that if I complied and kept my account in good standing that I should not be charged any fees. But TD Bank has a tricky system that will still charge you the fees even though you are within the guidelines. Please see an email I got regarding " grace period '' guidelines that I did follow but was till charged the fees. There has been other feed added overtime such as ATM fees, balance inquiry fee, ect. Most of these fees are bogus ATM 'S that automatically process without you even asking for a balance and not my request of fault.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My TD Bank Cash Rewards credit card was stolen and a fraudulent purchase of {$320.00} was made at a local grocery store. When I reported that charge, I was also told a second purchase was attempted at the same store within the next few minutes for {$210.00}, but it was denied automatically because it was suspected as fraudulent. Several times ( at least four, but I've lost count by now ), I have filed a claim with TD Bank that the charge was fraudulent, and several times it has been rejected because the thief chose to make their purchase at the same grocery store I shop at ( albeit a different store number, which is indicated on the credit card statement ). TD Bank has stated that because the purchase was made at a merchant I have previous business with, it is rejected as fraudulent. I have re-filed the claim several times, explained the story to several customer service representatives, and I have faxed in the police report I filed. Each time, it still is rejected. The customer service representatives have told me there is no way for me to contact the fraud department directly to speak with them. I have requested a call back from the fraud department twice, and they have never contacted me or left me any sort of a message about how to reach them. I have offered to send in a surveillance image of the thief provided by the police officer I contacted, but I have been told by customer service they do not have an email address available for anyone at the fraud department. Without ever speaking to me, the fraud department just rejects the claim each time with the same designation ( denied because of previous business with the merchant ). Thus far, I have been unable to explain my story to anyone at the bank who actually has the power to reverse the charge.
Company Response:
State: CO
Zip: 80526
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone applied for a XXXX XXXX credit card a XXXX card and a XXXX card service without my consent on XX/XX/XXXX and XXXX XXXX
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, someone posing as a TD Bank agent, sent a text message from " TD BANK '' regarding an unauthorized charge, followed by a phone call from the exact TD Bank phone number on my card. This agent continued to inform me of charges occuring as we are on the phone and that the safety of my account was in danger. I was then instructed to move funds to my XXXX XXXX for the quickest and safest action so that my account wouldn't be in further danger to fraudulent charges. I paused when I realized this was not right and immediately hung and called the bank fraud dept. who then confirmed, they did not attempt to reach me. The fraudster, had access to my online banking once I picked up the phone. The fraudster received the funds from my XXXX XXXX. I claimed the transactions, closed the account and online banking. The bank waited days to uplaod my screenshots of calls from " TD Bank '', emails, then once I received my police report, uploaded to claim, to my knowledge. After the funds cleared out of my account, TD Bank issued provisional credit, while under investigation. XXXX calls later from fraud dept to confirm information to report to merchant, then no information for weeks. TD Bank issued a letter yesterday XX/XX/XXXX that they denied my claim and will be retracted the funds from my account. I am the victim of fraud. This is not {$20.00}. This is {$4700.00}! I plan to represent this finding against the bank for additional review.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I have been writing to the second mortgage lien holder of the above referenced property since XXXX, XXXX, which is TD Bank. I have been requesting the accounting for the Home Equity Line of Credit since I last paid for it in XXXX. I went through a XXXX XXXX bankruptcy and thought the Home Equity Line of Credit had been dismissed through the bankruptcy process and I received a loan modification. When I went to sell it earlier this year because I am having financial difficulties in paying this loan, TD Bank sent a payoff charging for interest since XXXX. I could not sell the property because I would have to bring money to the closing table. TD Bank has never attempted to collect this debt. I have been writing to TD Bank since XX/XX/XXXX and sent them three Qualified Written Requests. To date, they have refused to respond and provide an accounting of the home equity line of credit. I need to sell this property so that it does not damage my credit and need TD bank to cooperate with me in discounting what is owed. At this time, TD Bank has not received any payment and will not receive payment if the property is foreclosed. I am attaching copies of the three letters sent to TD Bank via certified mail along with the USPS confirmation that the letters were received. I need to sell this property to keep it from damaging my credit and would appreciate a response from TD Bank to see how we can move forward and resolve this issue. The first lender, XXXX, is already beginning foreclosure action against me. I have attached copies of my letters to TD Bank along with the US Postal Service confirmation that the letters were delivered to TD Bank. Any assistance in having TD Bank communicate with me regarding this issue would be greatly appreciated.
Company Response:
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I went to TD Bank and made a cash deposit through the ATM of {$1800.00} into my checking account. The ATM kept my card, gave me a receipt for a deposit of {$.00}, and then was showing error messages and restarting. This was on Monday XX/XX/XXXX. I called on Tuesday XX/XX/XXXX and they told me I needed to come into the branch to file a claim. I went in on Wednesday XX/XX/XXXX to do that. I have not heard anything and its been 10 days that they have kept my money and have not done anything. On Tuesday XX/XX/XXXX I called and they said they would follow up with the back office and get back to me, but they never called me back. Today I called again and they said the claim was closed for some reason and they would follow up but that there was nothing else they could do and that the back office has to get back to them. Crazy that they can just hold my money and have no process of reconciling it. This was TD Bank
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A