Date Received: 2019-12-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft. these non-account holding inquires with : XXXX XXXX card, XXXX XXXX XXXX td bank/targetc, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2018 a TD bank visa credit card was opened in my name fraudulently for somewhere around {$5000.00} dollars, note, i found this out about seven months later when i was going to buy a new used car ( the salesman found this td bank unpaid loan on my credit report ) i never got mail with a bill or anything at all.if i didnt go to buy this car i never would have known.i contacted XXXX which i already had and they told me to contact XXXX and after several disputes they cleared me and restored my credit.so i let it go thinking all was ok.then i started getting calls from XXXX XXXX to who i didnt respond due to advice from different people. ( maybe wrong advise ) anyway i called td bank fraud department about a week ago gave the person some info and this story and she said she would stop the calls, to this day the calls are still coming.with advice from XXXX i printed a report from XXXX and found attempts by someone trying to do it again but i froze my account and they couldn't do it.i always had great credit till td bank came along. thank you
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Dear CFPB I check my account twice a day, in the morning and evening. On Monday XX/XX/XXXX I did have my daughter 's recital and picked up her dress and admittenlty failed to check my account. The {$75.00} overdrew my account less than {$20.00} I immediately deposited XXXX to take the account out of negative but expected a {$35.00} charge. Instead the bank charged me {$70.00}, and then another {$35.00} for a total fee of {$100.00}. They allege my account was negative by a XXXX then there were other fees. That mornng my account was not negative nor was it negative the weekend before. The bank is manipulating transactions so they result in the maximum fee to the customers.
Company Response:
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: It's been more than a year that I'm trying to find a way to negociate the debt I have with Visa TD Bank, if I call Visa, they tells me that they can not talk to me, the debt was SOLD to XXXX XXXX XXXX. I called XXXX XXXX XXXX and I spoke many times with XXXX XXXX, Vice President of Collection, the debt was {$18000.00}. ON XX/XX/XXXX, I received a letter from Mr. XXXX stipulating that they cut the debt to {$9000.00} to close my file. Obviously I called Mr. XXXX, and explained that I can not pay this amount in one lumps. He called me back that same week and told me, that he spoke with his contact at VisaTD bank - Mr. XXXX told me all the time that Visa TD Bank never SOLD the debt. He called me back to tell me the lumpsum can be {$7200.00} or {$1500.00} per month for 6 months. I thanked him, but {$1500.00} per month it is too much. I can pay a lower amount but in the meantime I asked if that will stop reporting CHARGE OFF on my Credit File every month, he told me that it will stop once I'm done paying the debt. He told me that he will call back his contact to see if they can do more or reduce the monthly payment. Between XX/XX/XXXX as of now in XX/XX/XXXX, I never heard from Mr. XXXX again. As I am penalize every month by TD VISA Bank that claim they SOLD the debt, but report me at all credit bureaus as Charge OFF, I called VISA on XX/XX/XXXX. Again same answer, nobody can help me because my debt was sold to XXXX XXXX XXXX. The same day I called XXXX XXXX XXXX and samething Mr. XXXX will not take my calls since back in XX/XX/XXXX. Never returned any messages since XX/XX/XXXX. - I was in a total incapacity to be helped or to resolve this situation. Today XX/XX/XXXX, Mr. XXXX took the call and told me that TD VISA Bank gave him back my file, and confirmed that's why he took the call. He told me, when I asked why he did not answered or returned my calls since XX/XX/XXXX, he said that he did not feel that I will be able to pay. - Nice and encouraging. -- Unfortunately we are turning around, as his numbers {$7200.00} lumpsum or {$1500.00} per month for 6 months, we can not have an agreement. I told him again that I can not commit myself with a high amount of {$1500.00} per month and maybe have other problems. So, the conversation stopped there. Unfortunately.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I financed a used car in XX/XX/2019 through TD Auto. It came with an extended warranty. I sold the car and paid off the loan in XX/XX/2019 but the extended warranty payment was sent to TD Auto after the loan was paid off because the warranty cost was built into the loan. The check was sent to TD Auto XX/XX/2019 and cashed XX/XX/2019. I called TD Auto in XXXX and was told they would process the payment as soon as it was received and send me the balance ( {$6900.00} ). I called again in XXXX after they cashed the check and was told it would come in 2-3 weeks. I called again in XXXX and spoke to XXXX XXXX ( XXXX XXXX ) who said it would come in 3-5 business days but that I can not escalate beyond her to her boss XXXX XXXX. I called again XX/XX/2019 and was told the check has not been processed and would arrive sometime in late XXXX and XXXX XXXX again refused to give me assurance or speak to me. Supervisor XXXX XXXX attempted to get XXXX to hear my issues but he refused and no one on the 4th floor would make themselves available.
Company Response:
State: TN
Zip: 37027
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit card reported a late. I am not sure if this is an accident or system glitch. It was reported by XXXX XXXX, XXXX and Target the Dept Store.
Company Response:
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I went to TD Bank on XX/XX/XXXX, with a very large XXXX XXXX settlement check, in the amount of {$100000.00} and soon as I walked in the door, I met the employee, that was the Acting Store Manager/Assistant Store Manager ( employed as both positions is my understanding ) at that time, ( ( who was in a position of " fiduciary trust '' with me, as she was very well aware that I receive permanent social security XXXX ... ... ( I was beat up under anesthesia and was taped that I XXXX my own XXXX XXXX away from my XXXX after an XXXX XXXX, as well as I suffer from XXXX XXXX XXXX, and a number of other injuries from falls, accidents, and traumas since the age of XXXX. I couldn't get medical malpractice, and due to the XXXX and other issues, became permanently XXXX under Social Security XXXX in XXXX of XXXX ) ... as she assisted me with regard to fees on my mortgage, and bank accounts in about XXXX of XXXX ) ) ; and so I asked the Acting Store Manager/Assistant Store Manager, upon my arrival, to " Please deposit this XXXX XXXX Settlement Check, which is for {$100000.00}, into my already existing checking account '' and I further stated " That I will be back in a few days to get some large checks authorized, as I want to pay off the doctors, and then take the majority of my money to XXXX XXXX, XXXX XXXX, to invest my money for my son and I, and our future. '' The Acting Store Manager/Assistant Store Manager, at that time, stated abruptly, and yelled at me, " No, you don't need to take your check to XXXX XXXX! Just deposit your check here, with us, in a Stellar Savings Account, for easy access. '' I told her, " Well, I don't want easy access, I need to make sure to invest this money for my son and I and our future. '' She told, me " Ahhhh, Don't Worry, Come on in my office and let me show you what we can do for you. '' And she pretty much " snatched '' the check out of my hand, and began walking toward her office. We sat down and the ONLY Financial Advice, Planning, Maintenance, or Assistance, the Acting Store Manager/Assistant Store Manager, did was to tell me to take {$20000.00} to pay off my home and that would put {$250.00} in my pocket each month. '' I told her " That sounds good, but I'm not sure if that's what I should do right away, as I would like to speak with an investor, to see what's the best options, and to make sure I don't squander or lose my money, as there may not be an opportunity for us to have this kind of check again. '' She Told me, well here is a card, and she wrote a number on the back of her business card, and she said you can call this number and somebody should be able to help you. And she said now let me open you the " Stellar Saving Account '' and you will be good to go. I sat there sad, and all slumped over, and I was confused, as I was beyond excited to have received that kind of check, and the check had just arrived by Express Delivery that morning, as I was able to settle my case, by myself, out of court, after four ( 4 ) lawyers told me that I wouldn't get anything for my case. To settle my own XXXX XXXX case, I worked with the XXXX XXXX XXXX Office, and also picked up medical records from another provider, and I researched Florida Statutes, and I was able to prove additional injuries and that the insurance carrier had not properly handled my case, and the Insurance Carrier chose to settle out of court, and I legally and rightfully received the full uninsured/underinsured motorist policy of the {$100000.00}. So, the Employee that was in both Employment Capacities, Acting Store Manager/Assistant Store Manager, proceeded to open my " Stellar Savings Account '' and did absolutely NOTHING else even that day to assist me with my Financial Planning and Investments, of my assets, or to even open other accounts, to diversify the money, as she could have helped me open " CD 's '' or " IRA 's '' or even an additional savings account for my Son, but she did NOTHING else to manage, and assist me, for my son and I, and our future.. She handed me the information, on the " Stellar Savings Account ' and the entire time, I knew I was making a horrific mistake, " trusting '' the " advice '' of the Employee that I knew in a Fiduciary Capacity, as she just sat smirking and smiling and all thrilled and happy that I had " opened '' a " new '' " Stellar Savings Account. '' During the enrollment process, and the " conversion '' of my money from My Intended and Planned purpose to merely deposit my XXXX XXXX Settlement Check into my already existing Checking Account so that I could go to XXXX XXXX, XXXX XXXX, in a few days, and invest my money, the Acting Store Manager/Assistant Store Manager, asked if I wanted to keep the information online, or keep the account to have mailed bank statements. We discussed about the size of the deposit, and so with her advice, as well, I chose to NOT have my " Stellar Savings Account '' online. The choice to stay offline, ended up being a really bad choice, overall, as the lapse in time in bank statements, and other personal matters, including my own health issues, and that my brother was fighting XXXX XXXX, and very sadly did transition, and that I was very busy filing, what ended up being three ( 3 ) separate Federal Court Cases, all during the time frame, I was " exploited '' and " ripped off '' of what I say is, thousands of dollars of my money, what I believe was stolen by the TD Bank Employees, including the Acting Store Manager/Assistant Store Manger. I also fully believe that the Acting Store/Manager/Assistant Store Manager May have received a " bonus '' or " perk '' or " raise '' or some sort of benefit to herself, by pretty much " forcing '' me to open the " new '' " Stellar Savings Account '' So, while I was busy on 1200 pages of documents over a year and a half, in the three ( 3 ) Federal Court Cases, and fighting through being sick, and even injured, and dealing with family and their sickness, between XX/XX/XXXX to XX/XX/XXXX, I was going to the TD Bank Store Location that opened my " Stellar Savings Account '', and I would get cash, but I kept telling the various Bank Tellers, including the Acting Store Manger/Assistant Store Manager, that " opened '' the " Stellar Savings Account '' that " I felt that my balances were wrong, and that I was going through my money too quickly, and that I needed to get with an investor, or do something so I wouldn't lose all of my money. '' They even know that I was paying additional mortgage payments, to bring down the principal on my home, but they did NOTHING to Assist me, help me, guide me, or even direct me to any of the other TD Bank actual Brokerage Investment Subsidiaries, of TD Bank, such as TD Ameritrade or the TD Bank Investment Management Offices. Instead, from XX/XX/XXXX to XX/XX/XXXX, I was " deprived '' of my " ownership interest in my financial assets for the future, for my son and I '', in " trusting '' the Fiduciary Confidence and Advice of the Acting Store Manager/Assistant Store Manager, who to me " represented '' herself, as a " Broker '' and her TD Branch Store Location, as an " Investment Brokerage. '' I met with the Acting Store Manager/Assistant Store Manger in XXXX of XXXX, and asked her " Where is all of my Money? '' and " Why am I broke? '' The Acting Store Manager/Assistant Store Manager, printed out all of the bank statements, and threw them at me, and told me, " You spent all of your money. '' I was sad, and XXXX, and crying and I told her, that " I didn't think it was right, what happened to me, and that I didn't have any money left for my son and I, and our Future. and that I wanted an " investigation '' into my account, as there were Thousands of Dollars, that I could NOT Account for in any of my records. '' The Acting Store Manager/Assistant Store Manager did NOTHING. In XXXX of XXXX, I contacted the TD Regional Branch Manager, and advised of what occurred, and that I felt I had been " Exploited '' and " Ripped Off '' as a XXXX Adult in Florida, and that I wanted my {$100000.00} back, as I feel that the Acting Store Manger/Assistant Store Manger, had no Legal Right or Capacity, to tell me to NOT Take my check to XXXX XXXX, XXXX XXXX, and to " force '' me to " open a " New '' " Stellar Savings Account '' and that they completely misrepresented themselves, as a " Broker '' and their TD Bank Store Location, as an " Investment Brokerage, '' and I kept claiming that Money was going out of my " Stellar Savings Account '' faster than I could account for in my receipts or records. The TD Bank Regional Branch Manager did NOTHING. So, in XXXX of XXXX, I once again, contacted the TD Bank Regional Branch Manger, and advised of the Violations of Florida Statutes 812, Theft, Robbery and Related Crimes, specifically, Chapter 812.014 ( 1 ), ( a ), ( b ) and ( 2 ) ( a ) ( 1 ), and that the Acting Store Manager/Assistant Store Manager had " converted '' my money, by " grabbing '' my check, and then " forcing '' me to " open '' a " new '' " Stellar Savings Account, '' and as such, I was " deprived '' from my " intended '' " plan '' and " goal '' to " invest '' my " ownership interest '' in my XXXX XXXX Settlement Monies and Assets, of the {$100000.00}, with XXXX XXXX, XXXX XXXX. I further advised the TD Bank Regional Manager that TD Bank is a Commercial Bank, and does NOT meet the same legal authority, point or purpose as an " Investment Brokerage, '' such as XXXX XXXX, XXXX XXXX. Additionally, I also advised TD Bank that they have Violated Florida Statutes Chapter 825, Exploitation of a XXXX Adult, specifically, Florida Statutes 825.105 " Good Faith Assistance '' in that the Acting Store Manager/Assistant Store Manager, took advantage of me, and " exploited '' me and BOUND TD Bank to me as an " Investment Brokerage '' firm and company, when the Acting Store Manager/Assistant Store Manger " opened '' the " Stellar Savings Account '' that they would be " brokering '' my " financial assets and resources, for the future. '' The TD Bank Regional Branch Manager responded to my letter by sending me copies of my Bank Statements, and Copies of the Savings & CD Withdrawal Slips. Within days, I responded to the TD Bank Regional Bank Manager, that I was again, Demanding Full Settlement, of My {$100000.00}, XXXX XXXX Settlement Assets and Resources, as out of the Fifty-Four ( 54 ) Official TD Bank Savings & CD Withdrawal Slips ( " Slips '' ), at least Thirty-Five ( 35 ) of the Slips, have been Altered, have Mistakes, Have Errors, are Missing Information, or are Incomplete and the other Nineteen ( 19 ) slips, even though they appear to be complete, they also seem to be missing information or have altered information. 1. Many of the 35 Slips, do NOT have the completed Written Dollar Amount to verify the Actual Numerical Cash Withdrawal amount. 2. And there is a Savings & Withdrawal Slip where the WRITTEN AMOUNT says TWENTY FIVE and the DOLLAR AMOUNT says {$2500.00}! There is QUITE a DIFFERENCE Between {$25.00} Dollars and {$2500.00} Dollars. Additionally, there are Savings & CD Cash Withdrawal Slips where it looks like a number 1 has been added to a Prior Slip, that was a {$400.00} dollar withdrawal became a {$1400.00} Withdrawal and a {$700.00} Dollar withdrawal looks like it became {$1700.00} Cash Withdrawal Slip. And a NUMBER of the SLIPS LOOK like there are EXTRA SPACES by the NUMERICAL NUMBERS where they should be closer together, like someone may have Photocopied a Larger withdrawal Slip and then Whited Out and/or Changed, REUSED, and FORGED the withdrawal slip, to have a different dollar amount. And Some of the Slips the Numerical Number is Changed, but there is NO WRITTEN DOLLAR amount to Verify the Withdrawal amount. 3. Some Savings and CD Cash Withdrawal Slips ( Slips ) have My name spelled wrong, as XXXX or just my last name XXXX with a scribble at the end. And additionally, some of the Slips Looked Copied Over as my signature looks exactly the same 4. Some Slips have Employee Initials 5. Some Slips do NOT have Employee Initials 6. Some Slips have Multiple Employee Initials with some written over or altered 7. Some Slips have NO DATE, and other slips have Errors on the Date, with some Slips missing the Year and/or part of the date is written over 8. Some Slips have Errors on the Account Numbers and they have been written over, changed or altered 9. And there appears to be a number of XXXX initials, as many as 15 of them, yet, I don't know a TD Bank Employee that works at the TD Bank Store Location, with those initials. However, I do know from being a TD Bank Client, the former teller XXXX, whom I happened to see at the grocery store a number of months ago, was one of the main tellers that had access to my " Stellar Savings Account '', during the time frame the majority of my cash came up " missing '' or " unaccountable '' and then she either quit, or was fired, as she was criminally charged for, I believe it was, Scheming to defraud ' as I saw her mugshot in the local crime report for being arrested in the spring of XXXX. I further advised the TD Bank Regional Bank Manager that because the Acting Store Manager/Assistant Store Manager is in Violation of Florida Statutes Chapter 812 Theft and/or for " Conversion '' of my " ownership interest '' in my {$100000.00} XXXX XXXX Settlement and also in Violation of Florida Statutes Chapter 825 Exploitation of a XXXX Adult in Florida, for failing to have " Good Faith Assistance '' with regard to the " pre-existing '' " fiduciary relationship '' and failed to assist me, with maintaining my financial stability, assets and resources for my son and I, for our future. I also then further advised the TD Bank Regional Manager that since the Acting Store Manager/Assistant Store Manager is in Violation of Florida Statutes Chapters 812 and Chapters 825, I am allowed to file " Pre-Settlement Notice '' of Violation of Florida Statutes Chapter 772, Civil Remedies for Criminal Practices, I would then be entitled to " three fold actual damages, or treble damages. '' I am seeking reimbursement of all {$100000.00} of my XXXX XXXX Settlement Monies, along with the treble damages for a Total Demand Settlement of {$300000.00}, as the Acting Store Manager/Assistant Store Manager, whom had a " pre-existing '' " Fiduciary Relationship '' had no legal Right or Capacity to tell me to NOT take my check to XXXX XXXX, XXXX XXXX, and then to " convert '' my funds to her TD Bank Commercial Bank and to " exploit '' me of my financial assets and resources, to what may even be her personal gain or benefit, without any assistance, or maintenance to me, as a XXXX person under the Laws of the State of Florida. I requested for the TD Bank Regional Branch Manager to Settle with me, out of court, to avoid the attorney 's fees, and costs of filing litigation in this matter. The TD Bank Regional Branch Manger, declined to settle out of court. I already outlined the Threefold or Treble Damages, under Florida Chapter 772.11 ( 1 ), and I am in the process of preparing another Demand for Settlement Letter, which will further comply with the " Pre-suit '' Requirements of Florida Statutes Chapter 772.11 ( 1 ). Additionally, I sent an email on XX/XX/XXXX, to the TD Bank Regional Manager, as TD Bank, is also guilty of Violating Florida Statutes Chapter 655, Title XXXVIII, Banks and Banking, and specifically, Chapter 655.50, the " Florida Control of Money Laundering and Terrorist Financing in Financial Institutions Act, '' and specifically Chapter 655.50 ( 8 ) ( a ) which states, in part, the following : ( 8 ) Each financial institution shall maintain : ( a ) Full and complete records of all financial transactions, including all records required by 31 C.F.R. parts 500-598 and 1010 for a minimum of 5 calendar years. Additionally, I sent the TD Bank Regional Branch Manager correspondence with the Email that outlined the additional Violations of Florida Statutes According to the Florida Statute Chapter 655.50 Florida Control of Money Laundering and Terrorist Financing in Financial Institution Act, specifically, Statute 655.50 ( 4 ), states the following with regard to the within State Statute Requirement, to have a BSA/AML Compliance Officer that is Required to comply with the rules and regulations within Chapter 655 and all of the other Bank and Financial Institution Rules, Regulations and Statutes on both the State and Federal levels, ( emphasis added ) : ( 4 ) A financial institution shall designate and retain a BSA/AML compliance officer. The board of directors of a financial institution must ensure that the designated compliance officer is properly qualified and has sufficient authority and resources to administer an effective BSA/AML compliance program. The board is ultimately responsible for establishing the institutions BSA/AML policies and overall BSA/AML compliance. A change in the BSA/AML compliance officer must be reported to the office. In addition, Florida Statute Chapter 655.50 Florida Control of Money Laundering and Terrorist Financing in Financial Institution Act, specifically, Statute 655.50 ( 3 ) states the following Requirements for the Bank Secrecy Act ( BSA ) / Anti-money Laundering ( AML ) Compliance Officer in accordance with the additional the Bank Secrecy Act of 1970 ( BSA ), the USA Patriot Act of 2001 and all of the other Federal and State Banking and Financial Institution Statutes, Laws, Rules and Regulations, ( emphasis added ) : ( 3 ) As used in this section, the term : ( a ) BSA/AML compliance officer means the financial institutions officer responsible for the development and implementation of the financial institutions policies and procedures for complying with the requirements of this section relating to anti-money laundering ( AML ), and the requirements of the Bank Secrecy Act of 1970 ( BSA ), Pub. L. No. 91-508, as amended ; the USA Patriot Act of 2001, Pub. L. No. 107-56, as amended, and federal and state rules and regulations adopted thereunder ; and 31 C.F.R. Parts 500-598, relating to the regulations of the Office of Foreign Assets Control ( OFAC ) of the United States Department of the Treasury. Therefore, TD Bank, is Required to have a BSA/AML Compliance Officer that is fully responsible for complying with Florida Chapter 655, Title XXXVIII, Banks and Banking Rules and Regulations. And also for complying with all of the other Federal and State Banking and Financial Institution Statutes, Laws, Rules and Regulations with regard to keeping Full and Complete Records of All Financial Transactions. So, TD Bank is also therefore out of compliance then with the Federal Banking Rules and Regulations with regard to Full and Complete Records of All Transactions and also the Federal Anti-money- Laundering laws. Once again, I made demand to TD Bank for a fair, reasonable and equitable settlement under the Chapter 655 Title XXXVIII, Banks and Banking, Chapter 655, Financial Institutions Generally, of the 2019, Florida Statutes, under Chapter 655.50 Florida Control of Money Laundering and Terrorist Financing in Financial Institutions Act, specifically 655.50 ( 3 ) ( a ), ( 4 ) and ( 8 ) ( a ), as well as Florida Statute 812 Theft, Robbery and other Related Crimes, and Chapter 825 Exploitation of Elderly Persons of Disabled Adults in the State of Florida and also pursuant to Chapter 772.11 ( 1 ) Civil Remedies for Civil Practices for FULL DEMAND of {$100000.00} x THREE ( Treble Damages ) for FULL DEMAND SETTLEMENT of {$300000.00}. Today is XX/XX/XXXX, and I have yet to have an email or letter or phone response to my XX/XX/XXXX, email to the TD Bank Regional Branch Manager. I am a XXXX single mother, with a XXXX son, and we don't even have enough money to pay our bills this month, we go each month without food, and we don't have any XXXX presents! We are beyond devastated and traumatized that we are struggling, when we should have plenty of money and our lives should be very financially sound.
Company Response:
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Hi I was trying to add my credit card to XXXX XXXX and I also have higher interest charges on my credit card statement and Im struggling to make ends meet and finally I having trouble adding my credit card on XXXX eats and the credit card company told me I need to contact XXXX and XXXX support to fix the problem in which I did and I dont feel comfortable giving out my credit card information to XXXX and XXXX over the phone ... and TD bank reps were rude to me and hanging up on me and transfer me to different departments and all I wanted is too add XXXX XXXX
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2019-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD Bank has fraudulently and erroneously reported me, XXXX XXXX XXXX, to XXXX XXXX, as having a checking account with them, in very poor standing, abuse of account, unpaid charge off, on XX/XX/2017. I have never had this account, last four digits of account # XXXX, charge off amount of & XXXX, status is unpaid as of XX/XX/2017. I have no idea where TD Bank received this information. I do have a current checking account with TD Bank, I opened with my wife, XXXX XXXX XXXX, about 10 to 12 years ago, which is still open and in good standing, this is the only account I have ever had and still have with TD Bank. I called there Customer Service, XXXX line today at XXXX XXXX and talked to XXXX, a supervisor, and was told she couldnt help me, and told me to contact the three credit bureaus, or the Consumer Finance Protective Bureau, which I am currently doing. Please let me know if any further information is needed. Thank you for your assistance, XXXX XXXX
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A