Date Received: 2023-08-13
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: About a year ago but less than a year ago, my flight with XXXX was cancelled and I received a credit for it almost immediately ( it was a XXXX credit allowing me to book another flight ). That credit is valid for 12 months. About 6 months ago a tried to use that credit to book another flight with XXXX but the XXXX routed my from one customer rep to anther to another and yet to another who finally dripped the call without allowing me to redeem the credit. I was discussed by this experience and a waist of 1.5 hours on the phone but hoped for the best knowing i have another 6 months to get this done since i had it in writing that the credit was issued. I tried twice more over the last 2-3 months with similar result. When i contacted TD bank who issued my prepaid credit card i used to purchase to issue a charge back i received a generic response that " no errors were found with XXXX ''. I when i further inquired about logic behind this unexpected response i was told ( but they would not say in writing ) that my claim was more then 60 days from the transaction ( the original purchase of the ticket ). I did explain all of the circumstances as i did here, in a fax i sent to TD bank, that i had no reason to ask for charge back as i was issued a credit for the cancelled flight and the credit wqs supposed to be good for 12 months. Only later i realized XXXX uses this tactic not to pay back what they owe. I'm requesting a {$210.00} form TD bank as i hold them responsible for not looking into this claim in a manner that would be consistent with bank where i keep my funds.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To whom it may concern, I am filing a complaint against TD Bank , N.A . regarding a fraudulent charge on my credit card for a sum of {$5300.00} that the credit card company denied. On XX/XX/XXXX, I called TD Card Services after receiving a suspicious text regarding a charge. The agent supposedly blocked the charge and cancelled my card. However, on XX/XX/XXXX, I saw that my card was still open and that there were three additional fraudulent charges on my account two at XXXX Market for a total of {$11.00} and one made through XXXX equaling {$5300.00} charged to the card between XX/XX/XXXX and XXXX. The physical card was in my possession throughout this period. I initially attributed these fraudulent charges to a USPS text scam. However, the first fraudulent charge occurred before the USPS text. I contacted TD again on XX/XX/XXXX, reported the fraud, and filed a fraud claim ( # XXXX ) well within the 60 days outlined by the Fair Credit Billing Act. This time, the card was closed. On XX/XX/XXXX, two of the charges were accepted as fraud, while TD denied the {$5300.00} charge stating that the merchant provided sufficient information to confirm my identity this information, according to a TD agent, was the details available on my credit card and my phone number. As of XX/XX/XXXX, I am still disputing this fraudulent charge. During this period, TD Banks Card Service agents have consistently misinformed me, made errors in their operations, and, on one occasion, neglected to submit my claim. They have also refused to provide detail about the merchant whose geographic location or business type could give further evidence to support the fact that I could not have made the purchase. On subsequent calls, TD Card Service agents acknowledged that their colleagues made errors. The dispute process thas dragged on for more than four months. On XX/XX/2023, TD Bank denied my case for the third time ( Case # XXXX, filed on XX/XX/2023 ). I have yet to receive mail regarding my second claim and the second denial review request. In addition, my requests to receive a call from the Claims Department and a copy of the documents used to review my case have not been fulfilled. A Card Service agent on XXXX XXXX informed me that the Claims Department is not cooperating with them regarding my case and refusing to call me. The Claims Department is also saying they are having trouble sending me mail. In addition, TDs Card Service team advised me to resolve the issue directly with the merchant, which I understand to be an unlawful course of action. As I understand it, TD Bank has a zero-liability policy and federal law states that consumers are not liable for more than { {$5000.00} } in charges that result from lost or stolen card information. TD Bank has not only falsely denied my claim, but its Card Service and Claims departments have not been transparent and consistent in their communications with me.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Numerous complaints were filed with a merchant XXXX XXXX over the last year online using XXXX XXXX as this is the only way they allow for complaints to be filed. The customer does not receive any copies or proof that the claim was submitted other than, at times an email days or weeks later stating that XXXX received it and it is " researching it ''. Each complaint was accompanied by screen prints and detailed descriptions of abuses and overcharges. About three months ago I compiled a list of all of the requests, individual overcharges charges, and literal theft from my account. XXXX never responded directly to my allegation but contacts me trying to sell more services and never returned the money or issues a credit. Since I could not get any response from XXXX I reached out to TD bank which issued a prepaid credit card. A claim was filed on XXXX. A was instructed to submit all relevant information which I did in a 105 page report which was faxed to a fax number provided in TD letter I received after I filed. Over two weeks went by and I received a letter form TD bank stating thy did not receive any documentation from me and are about to close my dispute and reject my complaint. I confronted TD bank via phone stating a have proof they DID receive the fax with 105 pages report and submitted that report via fax again for good measure. Again, no response from TD Bank... When I called and inquired about the status I was told that since the dispute is more than 60 days old they can't do anything about it ... That is nonsense, as my attempts to resolve this situation took a very long time I believed XXXX was acting in good faith and I had no reason to believe it will not be resolved in my favor due to the preponderance of the evidence I collected damming XXXX XXXX and their practices. When I explained again to the customer service rep over the phone, I was told that the claim will be looked at again. I would like to remind you that it seemed at no time TD Bank even looked at the report I provided. Again, no communication from TD Bank other than " boiler plate '' letters stating absolutely nothing! When i contacted TD BAnk again i was told that the merchant XXXX ADs provided an answer to my dispute to TD bank and based on that TD bank decided to reject my claim as according to them " error did not occur ''. I was floored as only an XXXX or someone completely biased would not see the logic and reason to approve my claim. I requested to see the response from XXXX and was told i will receive it via mail. That was 3 weeks ago... and I still have not recived it. I have no faith in TD Bank protecting my deposits from fraud and abuses by merchants as this is not the first time this happened. In my 105 page detailed report I documented overcharges of {$18000.00}.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to dispute a fictitious account on my credit report. The account is for XXXX, and it has XXXX late payments and a balance of {$1900.00}. The balance was updated on XX/XX/2023. I have never opened a XXXX account XXXX I have never purchased anything from XXXX, and I have never missed a payment on any of my accounts. I believe that this account is fraudulent. I have attached a copy of my credit report to this letter. The XXXX account is listed on the report by XXXX, XXXX, and XXXX. I request that you investigate this matter and remove this account from my credit report. I have attached a copy of my driver 's license and a copy of my utility bill to this letter as proof of my identity. I have also filed a dispute with XXXX, XXXX, and XXXX. I have requested that they investigate this matter and remove the XXXX account from my credit report. I am requesting that you expedite your investigation into this matter. I am concerned about the impact that this fraudulent account is having on my credit score. I have recently applied for a mortgage, and I am afraid that this fraudulent account will prevent me from getting approved. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: When I log in to my target red card account ending on XXXX it redirects me to a old account target red card account ended in XXXX. I've called many times asking why the closed account is still accessible and why it redirects my from a active account I've called many times once they hung up on me or redirected me to collections. I received no bill before my due date, everytime I try to log in I have to change my password, I had to pay over the phone or at least I thought I did but it didn't go through and put a negitive mark on my credit report.. I will not set up auto pay because of the closed account ended in XXXX is still accessible. this has been going every months for over a year. I finely filed a report with the XXXX and now you. I just want to access my account ending in XXXX and pay my bill..
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In 2015, I XXXX XXXX entered Into a consumer credit transaction TD/Bank Usa which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this TD/Bank Usa has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my license and will be mailing my invoice. Bank can not lend money .... In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, indorser, or guarantor for him. Farmers and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 11 F 2d 83, 271 U.S. 669. A national bank has no power to lend its credit to any person or corporation. XXXX v. XXXX XXXX XXXX 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. A valid rescission of a credit sale contract does not render inoperative the disclosure requirements of the Truth in Lending Act, as creditors obligations to make specific disclosures arises prior to consummation of transaction. Truth in Lending Act Section 102 et seq., 15 U.S.C. Section 1601 et seq. ; Truth in Lending Regulations, Regulation Z, Sections 226.2 ( c ) 226.8 ( a ), 15 U.S.C., following section 1700. ONeil c^ 484 F.Supp. 18.
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted credit application to many auto loan companies for hard inquiry on XX/XX/2023 and most of them rejected due to verification problem but TD AUTO finance approved {$140000.00} of auto loan without verification with me on XX/XX/XXXX. Then, the dealer released the car after a few days and the thief picked it up. I contacted the dealer for the details on XXXX XXXX and I discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. I also contacted TD auto finance fraud department and reported the identity theft issue and they confirmed they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. I filed the identify theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and TD Auto finance on XXXX XXXX, 2023. I filed a Police Report with XXXX ( CA ) Police Department on XXXX XXXX and the police report was approved on XXXX XXXX. Along with XXXX XXXX and TD Auto Finance, 5 more companies made hard inquiry on my credit due to this fraudulent deal on XX/XX/2023.
Company Response:
State: CA
Zip: 94521
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: When using a non TD ATM for withdrawals, TD bank charges me {$3.00} balance inquiry fees that I did not request while making the withdrawal. Therefore, TD bank is able to charge me twice the amount for using the non TD ATM in the same session. The non TD ATM fee is also {$3.00}. This has happened multiple times on my account. TD bank alleges that they are separate transactions within the same ATM session and that I authorized the charges for balance inquires, which I did not.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I paid the card balance in full XXXX. Since then creditor added another XXXX dollars I was not aware of and reported account past due to credit report. I contacted them, paid the amount due and asked them to remove this from credit since I have always had auto pay and never had any issues. They refused and said they don't have a credit reporting department
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A