Date Received: 2023-07-16
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A checking account was fraudulently opened using my information in New York I have never lived in New York
Company Response:
State: NE
Zip: 68502
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank charged me a {$370.00} appraisal fee on my loan number XXXX. TD initially sent me a letter/notice dated from XX/XX/. After several phone contacts and their inability to provide information backing up the appraisal fee, the fee was reversed and confirmed to me by phone by XXXX, a TD Bank Supervisor at the Loan Servicing Department, on XX/XX/ XXXX However, a few days later, I received another letter/notice from TD Bank dated from XX/XX/XXXX ( same day I was told the fee was reversed ) signed by XXXX, XXXX customer experience, finally providing an explanation : the bank was contacted by the XXXX XXXX about my property and decided to order an appraisal. The bank failed to mention that i ) it never contacted me, the property owner, about the need for the appraisal, ii ) that my HELOC has never been used since its inception, more than 7 years ago ( {$0.00} outstanding ) ; iii ) the XXXX XXXX issue was withdrawn by the plaintiff in the next few days after being submitted because it was based on wrong information. Now, TD is trying bill me the {$370.00} appraisal fee to make up for their administrative error of ordering an appraisal.
Company Response:
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Nordstrom accepted 2 negotiable instruments but refuses to adjust the account balance.
Company Response:
State: WI
Zip: 53072
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I and my ex-husband leased a XXXX XXXX XXXX back in XXXX XX/XX/XXXX. My ex-husband had a major accident with this vehicle in XXXX, XXXX. We had the major repairs done to restore this vehicle as close to new as possible. even before the accident, this said vehicle was stalling in traffic every-so-often. I went back to the dealership repeatedly and came within one more time to fall under the XXXX. Lemon Law! Meanwhile, we paid 24 months @ {$440.00} payments = {$10.00}, XXXX out of {$17000.00} leased value. I was so very upset due to going to the dealership so many times that in XXXX XXXX of XXXX, I left the vehicle at the dealership and purchased a XXXX XXXX XXXX. CHRYSLER FINANCIAL, XXXX XXXX XXXX, XXXX, XXXX ACCT # XXXX, PHONE # XXXX decided to put a Judgement against us for the total amount of {$17000.00} for LIFE!!! i TRIED TO CONTACT THEM INITIALLY AND XXXX-CHRYLER through the years to discuss this issue without them negotiating any resolution. I was told that if a vehicle is left at the dealership, then it is sold at auction!!! I want to know how it is legal to have a judgement against me and why is it the full amount of {$17000.00} instead of less than {$10.00}, XXXX??????
Company Response:
State: NY
Zip: 14616
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: During the week of XX/XX/XXXX to XXXX of 2023 the temporary manager of the bank informed me they were closing my account XX/XX/2023 without no explanation I contacted a branch supervisor and he said he had no control over it just that the temporary bank manager had authorization to close it XX/XX/2023 my account was closed without no explanation
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/2023, my Daughter was contacted by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX her they needed to contact me about a court matter. On XX/XX/2023 I received a phone call saying I was going to be served by a process server for a civil suit for Breach of Contract from GE Financial XXXX for a credit card debt for XXXX. They told me they were an attorneys office and not a debt collection agency. I returned the call and was told that I owed approximately XXXX dollars but I could settle for XXXX dollars. If not I would be served for XXXX of XXXX. This debt is over XXXX XXXX XXXX. I have not been served as of this complaint. My daughter was very distraught with the phone call, and this kind of threats and intimidation needs to stop.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I identified in XX/XX/XXXX that a criminal had opened a credit card in my name fraudulently at TDRCS/XXXX known as TD Retail Card Services- XXXX XXXX XXXX under account number XXXX. This card was opened in XXXX of XXXX. I contacted TD Retail Card Services at XXXX multiple times and still have not received an affidavit for closing this account. I called and the TD Retail Card services customer service and requested an affidavit in XX/XX/XXXX, and they said they would send out an affidavit and it would be 7-10 business days. I waited 1 month, never received the affidavit, and called in XX/XX/XXXX asking for another affidavit. They said they would send another affidavit and I confirmed my mailing address. I waited another month and never received an affidavit. I called TD Retail Card Services again the first week of XX/XX/XXXX, and they said they would email me the affidavit in 24-48 hours. I waited 1 week and did not receive the affidavit. I called again today XX/XX/XXXX and asked where was my affidavit. They said they never emailed it to me and that they would mail me the affidavit again. They have been sending me mail that I have been receiving that is from their Department of Accounts saying that the credit card in question has past due payments required. So I am receiving mail from them. I believe this organization is maliciously refusing to send me my affidavit so that they have less fraudulent accounts on their credit history.
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
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 presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I write to complain about TD Bank. I have an outstanding dispute for fraudulent charges in the amount of {$1800.00}. I've submitted the dispute numerous times, including with an FBI report, and it's continued to be denied because " a pin was used. '' I have no idea how the criminals managed that, but they did - I did not make these charges. My understanding is that Regulations were passed ( including Regulation E ) to protect customers in this kind of situation. As I informed TD of my stolen card and information within hours after it happened, my understanding is that my maximum liability should be {$50.00}. TD is essentially trying to say that I'm lying and I need to PROVE that it wasn't me who made the charges, which ( a ) I don't know how to do and ( b ) I don't believe is how the law works. Here are the details : On XX/XX/XXXX, I was visiting XXXX XXXX for the weekend. Sometime in the early morning ( maybe XXXX XXXX, I'm not sure exactly of the time ) on XXXX XXXX, I was pickpocketed. The criminals stole both my wallet and my phone, somehow got into my phone, changed my XXXX XXXX password, remotely wiped my home XXXX, changed my XXXX XXXX to their own face and got into every financial app on my phone. They used my accounts in various ways, including adding credit and debit cards to XXXX XXXX and then buying things online, withdrawing cash from my checking accounts ( and I believe cash advanced one credit card ), electronically transferring money from my accounts, etc. Because they had access to my phone, when the banks would text my number asking for confirmation that these weren't fraud, the criminals simply said it wasn't and the spending spree was allowed to continue. I contacted my wife about this and she began calling all of my banks to inform them of the fraud and to lock everything down - meanwhile, I was flying back home with no identification, having to answer red flag questions, etc. On XX/XX/XXXX, I filed a police report electronically with the XXXX XXXX police, but have yet to receive a final copy ( which they said they would send once the report was accepted and finalized ). At this point, every bank that I do business with ( including Bank XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX ) has refunded the money that was fraudulently taken, or reversed the fraudulent charges ( over {$20000.00} in total ) - except for one : TD Bank. TD Bank is my main checking account and I've been with them for 16 years. I disputed a total of 7 transactions that occurred on my checking account ( for a total of {$2800.00} ) : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$41.00} XX/XX/XXXX - Withdrawal ( XXXX XXXX XXXX, XXXX XXXX ) - {$500.00} XX/XX/XXXX - Withdrawal ( XXXX XXXX XXXX, XXXX XXXX ) - {$500.00} XX/XX/XXXX - XXXX XXXX Transfer - {$200.00} XX/XX/XXXX - XXXX Transfer ( XXXX XXXX ) - {$1000.00} XX/XX/XXXX ( posted XXXX ) - XXXX XXXX XXXX - {$200.00} XX/XX/XXXX ( posted XXXX ) - XXXX XXXX XXXX - {$400.00} TD Bank acknowledged the fraud, in that they refunded me the {$1000.00} XXXX Transfer. That being said, they denied ( and continue to deny ) my claim for the remaining {$1800.00}. Subsequent to my initial disputes and police report, I was able to regain access to my XXXX XXXX and tracked down additional information ( phone numbers and shipping addresses ) that I believe identify the people who stole from me. I've tried to contact the XXXX XXXX police to supplement my police report, but they have not gotten back to me at all. So, on XX/XX/XXXX, I filed a cyber crimes complaint with the FBI on www.ic3.gov. A copy of that complaint is attached. I then submitted this complaint to TD Bank as further evidence of the crime, but still they deny my claim. I'm a lawyer, and certainly wouldn't risk my law license filing a false FBI report and lying to the bank to try to scam them out of {$1800.00} - it's ridiculous. Unfortunately, no one from TD has contacted me to ask any questions or to follow up. Just form letters denying my claim because " a pin was used and there's no indication as to how the pin was stolen. '' I can think of several ways they may have deduced my pin, but I'm not an investigator and that's really not my job - all I know is that I was robbed and defrauded, and TD refuses to make it right.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone hack some of my accounts including my bank account, using companies like XXXX and XXXX the make unauthorized orders and withdraw money from my bank. this issue stared on XXXX XX/XX/23. XXXX four transsaccions for XXXX One for XXXX XXXX XX/XX/23 TX XXXX on for XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/23 TX XXXX XXXX XXXX XXXX, XXXX also my XXXX account two items for XXXX
Company Response:
State: NJ
Zip: 07094
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A