Date Received: 2023-06-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was purchasing something on Samsung.com. They offered 12 months financing and I chose that option in the checkout process. This created a credit file with TD Bank Retail Services and a hit to my credit report, but then XXXX told me the item was not available for my zip code. So I was lured into an irreversible hit to my credit score with a product they never intended to sell me, and now TD has a customer account with me that I never would have opened otherwise.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I'm having problems with getting an answer from the bank ( TD Bank ) I do business with. It seems like I'm just getting a run around, and their main headquarters nor the branch are providing answers to the issue. Except denying and honoring the dollars taking from ( 2 ) of my accounts. On XX/XX/2023 someone broke into my car and stole my briefcase which had my computer XXXX XXXX XXXX bag along with my wallet with credit cards & debit cards. Within a short time later, I reported to the XXXX XXXX police department and all the information was documented. All my credit cards including ( TD Bank ) debit cards were stolen and used for withdrawals via ( TD ) ATM machines. All the credit card companies involved declined the fraudulent activities however, ( TD Bank ) is not acknowledging the withdrawals made on ( 2 ) of my bank accounts. Who other than the bank can I reach out to help me recover the amount of money ( {$1900.00} ) I lost? If not your agency I would appreciate your help, if you can provide some direction on who I can contact to recover my money. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: In XX/XX/XXXX, I was pre-qualified for a home loan and when they pulled my credit, all 3 credit bureaus reported my scores. My main credit card is through TD Bank. Now that we are closing, XXXX is no longer reporting that I have any existing credit, and it is causing serious problems with my mortgage. On XX/XX/XXXX, XXXX said the problem was that my birth date was missing on their end. We verified it was fixed. On XX/XX/XXXX, they said it was because TD was not reporting to them. TD has confirmed on multiple occasions that they are reporting to all 3 credit bureaus including XXXX. On XX/XX/XXXX, this issue is still going on and holding up closing. Both TD Bank and XXXX maintain there is nothing they can do. TD Bank says they are reporting it ( which they have been since XXXX ), and XXXX is saying they can not see it and the bank must have removed them from reporting. I have spent hours on the phone with both companies, both of whom are denying responsibility. There other two credit bureaus are receiving the reporting from TD, and XXXX used to have this line on file.
Company Response:
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer rights I privacy pursue to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4
Company Response:
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: I opened the business account on the TD bank. I ran 2 XXXX payroll through TD on XX/XX/XXXX. On XX/XX/XXXX, the employee told me that he filled out the wrong bank account. I immediately reached out the Td bank customer service. One of representatives told me I can use the stop payment to stop the payroll. And I paid XXXX dollars for stop payments for my 2 transactions. It might take a week to return my money back. On XX/XX/XXXX, only 1 transaction {$770.00} dollar was recalled. I called TD again. The rep said the other payment {$650.00} went through and told me that I should do the ACH dispute. I Definity will get the money back since I pay the stop payment. and the dispute might take a few months. On XX/XX/XXXX, I reached out TD again. The rep told me my claim was decline because I did not file the claim within 24 hours and the rep has very bad attitude on me and kept stating I loss money because I filled out the wrong bank account. I asked the TD XXXX for help. The TD manager said she will call back. On XX/XX/XXXX, I got a call back from TD. The guy over the phone told me " stop payment won't be work for the payroll, and they apologized for my loss. But they only can refund me XXXX dollar for stop payment fee. Since the event passed for a few months, they can not do the ACH reversed for me. The reason why I was able to recall {$770.00} because XXXX returned the money back to me. Overall, the TD customer representatives provided very bad experience. I could get my money back if they provide the right instruction. Right now, I lost {$650.00}
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The scam began when I listed a bed and bedframe for sale on XXXX XXXX for {$250.00}. I was contacted by a woman named XXXX XXXX ( on XXXX she went by the name XXXX XXXX ) who was interested in purchasing the bed from me. She wanted to pay using XXXX. The individual claimed they sent the money via XXXX. Both XXXX ( buyer ) and a convincing email from a fake XXXX customer service email address ( XXXX ) notified me that I must upgrade to a business account to receive my money from the buyer because the buyer paid from a business account. I received screenshots of what appears to be the pending payment within the app from this email : XXXX. I called the customer service number on this email and was pressured and convinced that this process was the only way of receiving the pending funds the buyer sent me. So, the scammer agreed to send me {$350.00} to upgrade my account if I was willing to refund the amount. I received another email from XXXX stating that my XXXX account was upgraded. Then the customer support person I was on the phone with told me to request the buyers XXXX information to refund the amount she claimed she sent. I refunded the money to the scammer, but then I realized that they never sent me any money in the first place. Instead the money I was scammed into sending them was taken out of my account. Then the buyer and the customer support person claimed that the buyer sent me the {$350.00} twice. That was when I realized this is not right and immediately contacted XXXX on their website to report this situation. XXXX informed me that the phone number and email recipient I was correcpoting with was not a real XXXX support individual. They also informed me that the moment I sent the payment to a XXXX user, I am not able to stop the payment nor are they able to offer a reimbursement. Therefore, I contacted TD Bank Credit Card Support immediately after to stop this payment and report fraud ; however, I was informed by a representative that they could not stop the payment or report fraud until it was posted. I waited until it was posted to report this scam and file a dispute on the transaction that was posted on my credit card account on XX/XX/2023 in the amount of {$360.00}. However, I received a letter from my bank stating that based on their investigation that they concluded that fraud did not occur. I did not agree, so I filed a credit card dispute claim on XX/XX/2023 and faxed documentation of this fraud to TD Bank credit card department. On XX/XX/2023 I received a letter stating that they concluded that an error did not occur and I must resolve directly with merchant. I believe TD bank should have been able to stop this payment when it was pending but failed to do so and I provided all the information I had to show them what had happened to me and that I was clearly manipulated and scammed by two people in giving them money. This has happened to people before me and unfortunately I was unaware of this. This website explains this type of scam that is going around XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08005
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
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: I am writing this letter in reference to XXXX that your company is currently reporting to XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Company Response:
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I returned items and the bank is charging me for things I never received but I submitted proof of the fact I never returned the items. I even have one I did not complain about from XXXX in a supplement. They have refused to credit me from XXXX XXXX and XXXX XXXX. They left off a bil of XXXX from XXXX but the bank is trying to cheat me out of my money as everything was returned to these people but they are refusing to give me credit for these purchases. I am enclosing letters from the bank and proof of non receipt on these items. I am out thousands of dollars for things I never received.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
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 believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid the entire bill via check and USPS mail, forgetting that I could have paid via bill pay. The mail was sent during harsh wheather. By the time they received my mail and processed the check, another late fee was assessed. Target Company did not follow the mailbox rule and defrauded me even though it was their fault. Current outstanding balance is based on a new late fee.
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A