Date Received: 2023-12-28
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: TD Card Services continues to disregard my email with supporting documents even after I sent it to them XXXX times and after they had stated if I had any further concerns to email them " After review, the claim was denied. '' I demand a copy of TD Card Services so-called review and alleged information they relied on that affected their decision to deny my dispute, being I had faxed their office a clear copy of my bank statement from my other credit card account showing the same exact charge, from the same exact merchant, on the same exact day. ( Supporting document that I had faxed to them is attached to this complaint ). And if they try to say they never received my fax, I have proof that they did in fact receive it ( Also attached ). Additionally, TD Card Services never argued me stating that I had faxed their office a letter on XX/XX/23 and I never received a response. That is because they had no documentation to back up their claim that they did in fact respond, because they never did. Lastly, I am just now realizing there were XXXX claims attached to my dispute, which is an indication that someone mishandled my claim, which possibly screwed up the reason for it ( paid for by other means ), which could have played a role in why my dispute was even denied in the first place. Please see both letters from TD Card Services attached to this complaint, you will see there are XXXX completely different claim numbers assigned to the same dispute. Not to mention in the first letter under the first claim number, they stated they were 'lacking details as why customer is disputing the transaction ', even after I had told the agent over the phone why I was disputing, and also even after they received my fax with the reason and supporting document the day before they sent that letter.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I lost my TD Double Up credit card ending XXXX while travelling through XXXX. A number of charges were made with the card. These were in towns in XXXX I have never visited in my life, and included a rental car. I reported the card as lost timely, and disputed the transactions immediately. I have disputed these transactions twice now with XXXX XXXX, and the Fraud Dept keeps reapplying them to my account after providing ridiculous rationales, such as that no one used the card after the fraud. Obviously this would not be possible, as I called and had a hold placed on the card after it was lost. I did not make these charges, and feel they are violating the Fair Credit Billing Act in that they are trying to make me responsible for fraudulent transactions ( see below from my statement ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, my bank account had no overdraft. I had {$63.00} left in my account. In transactions from XXXX XXXX XXXX, merchants received their money. I checked my account on XX/XX/XXXX, and my account had an overdraft of {$170.00}. I realized TD Bank reposted old transactions that came out prior to the XXXX. TD Bank then accumulated transactions from XXXX XXXX. I inquired about it via phone call. The rep stated the transaction that caused the overdraft was a payment to XXXX XXXX of {$230.00} and some prior transactions from XX/XX/XXXX. I explained to the rep that I have overdraft protection, and if my account didn't have the funds, it would've been rejected. The rep confirmed I have overdraft protection and then stated the payment of {$230.00} will return on XX/XX/XXXX and my account will be back to normal. I explained to the rep that this payment was made on Friday, XX/XX/XXXX, and it came out. I had the funds for every transaction that occurred. The rep stated that the app doesn't reflect the correct amount available. I stated that if an app isn't working correctly, it's a TD Bank error, not the customer 's fault. On XX/XX/XXXX, an overdraft remained, and the payment of {$230.00} did not revert back. I called again and spoke to XXXX reps and XXXX supervisor. Both of these representatives stated I don't have overdraft protection ; the overdraft came from the order for the posted transactions and mentioned XXXX different names of the type of overdraft I needed and gave me misinformation. XXXX XXXX stated he's the highest in the company and there's nothing he can do. I explained to him that he's not the highest in the company ; this is TD Bank 's fault and their faulty app. TD Bank continues to falsely advertise to customers that the app is accurate and reflects the correct balance. TD reposted the old and new transactions, which deceptively gave a reason for the overdraft. TD Bank unlawfully charges overdraft fees for transactions that didn't cause it and had the sufficient funds for the transactions.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX identity was stolen and There is XXXX inquires on XXXX XXXX that I did not do. last thing I have requested XXXX for was for XXXX XXXX XXXX I bought a XXXX car in XXXX, that was all that was on XXXX XXXX and school loans. now there is other XXXX I did not make. there were so many but they were on there a XXXX times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank XXXX have reached out to the XXXX berau to try to dispute them but there is so many. please help I did put a lock on XXXX XXXX but the person who is stealing my information has acess to everything I have. he broke in my home and got XXXX XXXX off my computer and stole XXXX from XXXX.
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I'm a XXXX Veteran, with no place to live caused by my mother 's passing. Moreover, I was outside the US from XX/XX/XXXX to XX/XX/XXXX when the incident in question occurred. Between XX/XX/XXXX to XX/XX/XXXX XXXX failed to protect my security, interest and money. On XX/XX/XXXX, I reported fraudulent activities on my account and called their fraudulent department. As a result, they froze my account and debit card. As I explained to them over several calls every day, a new account was supposed to be set up, so I can survive. They failed to comply due to an oversight and incompetent staff. On XX/XX/XXXX, SUPERVISOR XXXX from the fraud department recognized and admitted the mistakes made by several subordinates and nothing could be done to open a new account. As a result, I've encountered many obstacles outside the US, as well as incurred many additional expenses which I filed complaints with the XXXX and the OCC for reimbursement. As of today TD BANK refused to acknowledge and to reimburse me for expenses caused by their mistake. On XX/XX/XXXX, i was forced to return to NJ and walked into the XXXX XXXX branch to open the account in person. The account was supposed to be opened over the phone. It was a failure by several representatives. All the proofs were provided on XX/XX/XXXX. It was the worst banking experience.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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: On XXXX, we contact XXXX XXXX ( XXXX XXXX about a purchase made directly with XXXX. After nearly a month of fighting with XXXX to fix our washer and dryer due to an install issue it still goes unresolved. At the time we asked for a billing dispute and advised we have case numbers and email thread with proof we have been trying to resolve this. We have receive no communication from TD Bank other then we will need to continue to make payments on the disputed amount till the issue is resolved. On XXXX, we called TD Bank for an update and received the info that the dispute had been resolved in the favor of XXXX as we never contacted their support. Yet have multiple case numbers dating back prior to the date of the dispute. XXXX XXXX XXXX : XXXX ( no follow up from XXXX or their install company ) opened on XX/XX/2023. XXXX XXXX : XXXX opened XX/XX/2023 So TD Banks billing dispute statements are false they state we never contacted XXXX support however we have multiple times. Before the dispute was filed. We feel that TD Bank is not acting in the best interest of their customer and acting in the best interest of their finance partner XXXX as they have not reached out asking for additional information or even provided follow up without our engagement. To date we have had a tech come out find that it was an installation issue that needs to be fixed by the installation company which was hired and supplied as part of the original sales agreement with XXXX. This has not happened and we can not get XXXX to honor their part of the contract.
Company Response:
State: CO
Zip: 80601
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Received and a bill dated XX/XX/ stating that they are trying to collect a debt on behalf of TD bank N.A. for the amount of XXXX XXXX I responded with a written letter dated XXXX XXXX USPS XXXX XXXX XXXX XXXX requesting : 1 : Notice of Assignment ( NOA ) from original creditor to XXXX XXXX XXXX XXXX XXXX XXXX regarding alleged debt. 2 : If they purchased this debt and for how much. 3 : Name of person with first hand knowledge about the debt at XXXX. 4 : What due diligence did XXXX conduct to verify the legality of the debt. 5 : If they are in possession of my original security instrument ( contract with TD bank ). 6 : Legal relation ship between XXXX and me and/or contract and terms of such contract if any. 7 : Evidence of my agreement with TD Bank. XXXX responded to one of my inquiries only ( A copy of agreement between me and XXXX XXXX ) and ignored all other inquiries. I responded with another letter dated XX/XX/ requesting same information in my previous letter. XXXX continued to call my private tel # and leaving messages. I sent a seize and desist letter dated XX/XX/2023 which XXXX ignored and continued to contact me. The last call was earlier today at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone applied for cards using my name and an old address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 2023
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX i reported my Target card stolen. On 2 separate occasions i received 2 cards that did not offer me access to my account via phone ( i never use online ). On XX/XX/XXXX i called to pay my bill and found someone had used another card endimg XXXX and created XXXX online account with 2 payments to place the account in a negative. I blocked the account on XX/XX/XXXX, i can not access myself since. I did that, not Target as they claim. It's been 3 months of aggravated financial distress. I froze my credit bureau accounts, reported and placed hard protection to IRS and social security for this identity theft. Target claimed 1 payment was mine returned ( not true ) and that they repaid the person who hacked me. Lately i asked for some kind of compensation. They do not want to oblige. But now i received a letter cc : CFPB claiming my account was not reported overlimit to my credit bureaus. It was reported paid with the fraudulent charges {$130.00} as my balance. And another time " overlimit '' at {$5000.00}. My score was lowered placing me in further financial distress. They charged interest while this investigation was occuring. My last balance should be {$4900.00}. And i have not received a bill since XX/XX/XXXX showing the fraudulent charges as my balance {$130.00}. I will not pay any interest nor late charges. Consumers still have rights. This country is not a dictatorship where we reward identity thieves. I demand fairness. We still don't know what Target did with the {$10000.00} payments made to my account.
Company Response:
State: CA
Zip: 91740
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The account XXXX XXXX was to be removed from my credit report after it was paid satisfactorily. Furthermore, this is not my account, I was merely an authorized user on the account. My husband has since paid the account off and this was removed from his credit report, so I am confused as to why the agreement to remove it from my consumer report has not been honored. I am requesting that this account be removed from my credit report. Please advise when this change has been made.
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A