Date Received: 2023-07-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had an account at TD bank and my mother as well and it was a security deposit box several citizens and some police dept in XXXX XXXX took it upon themselves to not notify me and took every opportunity to block and communications through phone and mail so that way they were contacted and i was not they hacked my phones and forwarded my calls and even stole my mail and got id in my name and had themselves or got a female to go and say that they were me and they recently transferred the account into a woman name XXXX XXXX of which is not even a person they have also added names to the account and had an employee in the fraud dept transferring money to the atm cards in my name as well. I received none of the money and my deceased XXXX XXXX XXXX also had one in her name and they are doing the same thing to this one. they have also made accounts with prepaid paypal and netspend accounts in my name and used those accounts to transfer the money on to those cards which they spent the money on that as well i also have child support that i received and they have somehow hacked or gained access to my account and made waytogo accounts which is a prepaid card which is not secure and stolen all that money as well i have names bc they also made copies of these cards that i now have and i have not received any of the money bc where i receive my mail the guy is giving these people my mail and i change the address on the account they call back up and change it again i need this looked into asap bc of this money and the fact that the officers let everyone know my financial situation my life and my kids lives are in danger i believe my children 's guardian 's are already dead and i have no resources to go check and no money bc every time i have something they make sure to steal it from me keeping me from finding out the truth please find out whats going on asap they stolen my phone and they also will lie and say that someone is me when i fact it is not i am homeless and have no cell phone please do not contact the police dept in XXXX XXXX bc they are involved and will just lie to you if you can go over their heads beings my communication is limited please do so and send them in person and please have them look for me and do finger prints to prove that it is in fact me.
Company Response:
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I made a purchase at XXXX XXXX. I ended up getting their store card which is done through TD 's renovate credit card. We were there shopping for a long time, like almost 5 hours, and ended up buying for several rooms. We were negotiating along the way, my mother in law was negotiating with the sales man, and they kept drawing up new sales sheets, like it will be this much if you buy this stuff, it will be this much if you buy this stuff, and at the end when we made our final decisions, errors were made in copying prices over from the several pages. The receipts I have at home reflect three prices and can't be understood well, and I did say something at the store but they said don't worry, only the tax was charged today and the store card will be charged the correct difference in XXXX and you will get the bill in XXXX ( the store was closing in XXXX, even though we were shopping in XXXX ). We agreed on {$3600.00} flat but they have overcharged us. They charged us a " deposit '' that same day which we were told was equal to the tax of the items. We were charged {$340.00}, but this tax amount is the tax of a {$3800.00} subtotal. {$3600.00} less {$340.00} is {$3300.00}, which is what I expected the store card to be. I was told in store that my payments would be {$55.00} for 60 months, but when I got the bills it ended up being {$53.00} for 72 months. That is a whole extra year of money. When the furniture arrived in XXXX, except for the mattress, it did not seem like new furniture. The dining tables and chairs had scratches, and we bought 4 shelves that were also scratched up and missing the finished top that it had in the store. Also, our entry doorway molding was damaged, our hallway walls were scraped up, bedroom walls also scratched, wood flooring in living room and bedroom scratched up. I have tried to contact both the company and the creditor and this does not seem important to them. At first I didn't make payments, but I saw my credit score going down and they kept charging late fees so I started paying the minimum but I really think this situation is unfair and they are holding me hostage to a higher than expected bill, plus damages I shouldn't be responsible for. I don't know what to do and found your website through internet research. Please help me.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
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: Dear TD Bank, I hope this message finds you well. I am writing to seek your assistance in resolving an issue that I have been experiencing with XXXX. The transaction in question is named " XXXX XXXX XXXX CA {$130.00} '' and took place on XX/XX/2023. This specific information should help you locate the transaction and investigate it accordingly. Unfortunately, XXXX 's refund policies have proven to be quite time-consuming, requiring a significant amount of effort, and have caused me a great deal of stress. Thus, I am reaching out to you in the hopes of finding a more efficient solution. To support my case, I have gathered screenshots that clearly demonstrate the fraudulent actions of the merchant " XXXX. '' These screenshots provide evidence that he scammed me out of my money by failing to deliver the promised product, an " Australian Cattle Dog puppy ''. Moreover, when I attempted to contact him through my primary phone number, he blocked me and claimed that I had messaged the wrong number. In my last attempt to communicate with him in good faith, I used an alternate phone number, only to receive vulgar and explicit language and photos in response. I must emphasize that these explicit images were sent by XXXX and were not solicited by me. Given the severity of this situation and the detrimental effect it has had on me, I kindly request that TD Bank not only launch an investigation into this matter but also facilitate a full refund to my credit card from XXXX. I believe it is only fair that I will be reimbursed for the amount I paid to this dishonest merchant. I am prepared to provide you with the factual evidence I have gathered through the aforementioned screenshots. Please review these screenshots in the order they are presented to fully understand the situation and support my request for a refund. Thank you for your attention to this matter. I greatly appreciate your assistance in resolving this issue promptly and ensuring that I am refunded the full amount. Sincerely, XXXX.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been wrongfully accused of fraud through TD bank and XXXX XXXX XXXX. A check was deposited into my account for {$10000.00} not by me and I was the fault for the situation, which I had no clue would lead to being a scam. My name is now on the XXXX XXXX XXXX and I want my name taken off. I am an XXXX XXXX XXXXXXXX XXXX XXXX XXXX and had clue what was happening with my account I have never done anything fraudulent before and this has messed up my name completely.
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This card was open up in my name has fraud I did not open up this card
Company Response:
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I hired XXXXXXXX XXXX XXXX XXXX to assist in my move. I was quoted $ XXXX prior to my move. Being that this was my first time hiring movers I was unaware that they were supposed to be doing all of the work. When they arrived to the apartment I was moving out of, I immediately started helping them load their truck with my boxes because they showed up 4 hours late. I have bruises on the palms of my hands from the heavy lifting I was doing. When we arrived to my new apartment ( XXXX ) and it was time to unload the truck I was asked to pay {$1700.00} or I was not getting my belongings from them. I asked them to clarify the charges and to explain to me why I was being charged almost quadruple the price I was quoted and they proceeded to tell me this happens all the time. The lady who gives quotes misquotes often. I tried calling and texting her and their general manager and I got no response! So after paying them ( they only accepted XXXX ) They left and they did not complete their job. I was told that furniture assembling and dissembling was included. But before they brought everything into my apartment they pulled a fast one, and left!!!!. They left my personal belongings outside damaged including my mattress and bed that I was supposed to sleep in that night. They left without a word and my number was blocked! Ive tried calling everyone number linked to their company and Im not getting a response.
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was a victim of identity theft some took money out of my account. My account was closed and reopened with a new account number. I went to the bank they denied returning the funds to my account. I have resubmitted a claim with the bank.
Company Response:
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Ive called to TD BANK my bank to resolve the {$3.00} ATM fees my bank TD BANK was charging on top of ATM {$3.00} fees I was charged my bank did not disclose those charges opening the account over 10 years ago in the phone calls a couple were refunded to my account but still keeps happening. Ive never been charged from my bank TD Bank for non TD Bank ATM fees this just started to happen this year.
Company Response:
State: MA
Zip: 01453
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: incorrect LATE REPORTING PATMENTS.
Company Response:
State: OH
Zip: 44106
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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: Nordstrom rack credit card by td bank. I asked for confirmation of debt. Let me refresh your memory. The only legal confirmation of debt is the physical wet ink signatures. This bank sent me a billing statement, volcher, coupon. The also said the debt was verified. I asked what was the name of person, position in company, phone number, email address, mailing address, and how was it verified. This bank seems to not want to answer my questions. So this means to me its not verified and they are giving me the run around. Send me a detailed bill so I can see it. Also answer to the consumer finance protection bureau not me. I, XXXX XXXX XXXX XXXX Authorized Representative, am sending the coupon of the accused summary to td bank as payment for what you claim I owe. I have recently learned that a coupon is a way of paying according to ucc 3-104. I noticed that you have sent me these coupons and asked me to remit them with another check or money order and then you have redeemed both. That is double dipping of course and is illegal. Im potentially willing to overlook this crime as long as you accept this legal form of payment, so I am sending the payment coupon to be accepted as payment per ucc 3-603 ( B ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and tender is refused, there is discharge to the extent of the amount of the termination of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. If you reject the payment coupon or claim to have shred it, I still expect you to follow the law and discharge the debt. Here are some definitions to clarify what I am talking about just to reference state statues if you need a refresher. Billing statement : is a monthly report that credit card companies issue to credit card holders showing their recent transactions, monthly payments due, and other vital information. Billing statements are issued monthly at the end of each billing cycle. Payment documents means any of the following documents submitted by the customer to the bank : ( A ) payment order, ( B ) a cheque ( C ) an application to disburse cash, if the purpose stated by the customer is cash disbursement, ( D ) an application/agreement to buy and/or sell foreign currency, ( E ) a debit payment order drawn up and signed by the beneficiary ( except other banks, credit institutions and state institutions ) where there is a written consent of the customer for the settlement of debit payment order ; Coupon : a coupon or coupon payment is the annual interest rate paid on a bond, expressed as a percentage of the face value and paid from the issue date until maturity. Coupons are usually referred to in terms of the coupon rate ( the sum of the coupons paid in a year divided by the face value of a bond in question ). A certificate attached to a loan instrument that can be separated from the instrument and presented after specified time for the collection of interest. Bond, bearer : A negotiable instrument payable to its holder. Instrument : A written legal document such as a contract, lease, deed, will or bond.These instruments are worth their face value so the amount to be discharged will be the amount I have written on the volcher. If you refuse to accept a negotiable into will send the Irs a XXXX and I have enclosed a copy of my fee schedule and I will be entitled to collect accordingly to the amounts listed on my fee schedule. Volcher : a small printed piece of paper that entitles the holder to a discount, or that may be exchanged for goods and services. Banks can not loan money per book federal reserve called money modern mechanics. Banks take peoples signatures promises to pay and exchanges them for credits. Book keeping entries. The credit river decision case Daly vs bank of montgomery exposes bank fraud case number 38N-12-6858CI.This was such a strong case the judge was found dead what looked like a boating accident but had posion in his body, which I also have affadavid all debts are prepaid. The banking system sounds like fraud to me. By : XXXX XXXX XXXX XXXX ; Beneficiary Ucc 1-308 Without recourse
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A