Date Received: 2020-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to request your help. I tried to resolve this issue with TD Bank previously and did not receive any type of help. I am just asking what is fair. TD Bank is reporting a late payment on my credit report that occurred due to my mail being stolen and preventing me to receive any statement or late notice for me to honor. I am aware it is my responsibility to make sure the payment is delivered on time however, I did not receive my statement. I even reported this to the law enforcement agencies ( see attached proof ). I have always made my payments on time and will continue to do so. After realizing the payment date, I immediately made the payment, but by that time I was already marked late. Again, this was a situation that I could not control. Now I have a perfect record of on-time payments. I am requesting that TD bank removes the late payment from my record. By the time of the late, I had over {$50000.00} in the bank, which was more than enough to make the payment. This was not a money issue and I did never mean to be late. I feel stressed out with this situation. I even had to go to the doctor because I started experiencing health issues. I am demanding what its fair.This late payment is related to fraud. It is my right to dispute inaccurate information and have it removed, according to the FCRA. Account information : TD Bank USA/Target Credit. Account # XXXX. Opened XX/XX/2018, limit {$500.00}, status : paid and closed. This is the last step that I am taking before taking this issue to the next level and let the XXXX XXXX county courthouse take a decision.They have committed multiple violations under the FCRA, such as FAILING TO INVESTIGATE ACCOUNT AND FAILING TO MARK ACCOUNT AS DISPUTED AFTER THEY RECEIVED MY DISPUTE NOTICE. This is causing me financial and mental issues because my financial life is being ruined, I have not been able to obtain a loan of over 1,000,000 dollars and just because the late that TD Bank is reporting, which was not my fault. Thanks to whomever reads this complaint. See attached : - Letter sent to TD Bank and proof of fax ( which they ignored ) - Bank statement showing funds - FTC Report.
Company Response:
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My XXXX XXXX account showed a charge of {$3.00} from TD Bank that I don't recognize. A XXXX rep told me to call TD Bank about trace # XXXX XXXX XXXX XXXX XXXX. I phoned TD Bank 's main number, XXXX. After 10 minutes on hold, a woman answered and I explained the problem. She told me to call XXXX. When I called that number, it asked me for my TD Bank account number, which I don't have a TD bank account. I was on hold for nearly 2 hours before I hung up and called XXXX again and was again on hold for about 10-15 minutes until XXXX answered. XXXX couldn't help me, said to dispute the charge on my end with XXXX, which I am doing. In the meantime, if somebody at TD bank has hacked my account ( how do they know I have an account with XXXX, and how do they know the account number? ), this needs to be dealt with by TD Bank. XXXX was unable to use the trace #, was unable to get a message up his line of command, unable to give me a phone number to call or email to write.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2020 TD failed to protect our account when a Check for {$71000.00} was created without our knowledge and mailed out to company we did not authorize. This was the first ever check created like this on our account for more then half the money in the account. It never showed as pending in our account nor were we notified when this check was created. XX/XX/2020 Contact TD Bank called to notify Td bank was told routing number was wrong number for our account and should never have been processed, told XXXX XXXX would contact us. Froze all accounts XX/XX/2020 - New accounts were created affidavit of theft filed with bank. Told XXXX XXXX would contact us to help resolve theft. XX/XX/2020 - Finally contacted by XXXX XXXX left message. Called back 3x 's I spoke to him, I had to hunt him down to get an answer. XX/XX/XXXX XXXX- Spoke with XXXX XXXX Mr. XXXX assigned to my case. Told me they were looking into it and would get it resolved to get out money back but needed about a week. XX/XX/2020 - Had to call XXXX XXXX 2x 's to get an answer, said that fraud was going to deny our claim that IP address matched ours. He gave us Fraud dept Mrs XXXX 's number who was handling it and left a message. Filed police report with local police department XX/XX/2020 - called Fraud Mrs XXXX 2x 's, no call back. Get copies of fraudulent check from TD Bank. Routing number does not match my bank. Leave Fraud department another message XX/XX/2020 - File IC3 report/ complaint with FBI over stolen money. Spoke with Detective in town, Spoke with bank manager and set up meeting to see him. Filed FBI report IC3 Report. Dropped off copy at Police department. XX/XX/2020 - spoke with XXXX XXXX again to find out he was only paper pusher and did no investigating- got supervisors name and number but she was not in. Met with bank manager, he left messages for Fraud and XXXX XXXX as well. Bank manager and I were able to find on line company that stole check and person it was written too, he attempted to make contact. Still no word from XXXX XXXX or fraud. Bank manager spoke to person signed check and said he can tell she is guilty and was telling the truth based on his prior job as a police detective. Spoke to customer service about routing number and account numbers on check and could not answer why it was not for NJ routing number. XX/XX/2020 - Received rejection letter with 4 word " Fraud did not occur ''. Again we have never used Pay bill to anyone in the over 10 years with TD Bank, this was the first ever check someone hacked into our account and cut a {$71000.00} check out of and TD Bank did not flag it, it did not post in our pending file on the account. XX/XX/2020 - Called customer service number on the rejection letter, still could not answer why check did not get flagged, why it did not have a NJ routing number on it and could not answer why it was not flagged considering it was first ever check for {$71000.00}. Spoke to Fraud supervisor who was very combative and told me I needed s subpoena to obtain the ip address information of log ins, whether they were internal or external, how many times and when, Even though TD Banks own web site says they must be provided to me. The fruad case worker we contacted on XX/XX/XXXX still has not returned our call and is the on handling the case. Left message for XXXX XXXX Supervisor to call me on XX/XX/2020. Customer service also did tell me that my account on their end shows no records of XXXX XXXX looking into my account or making any notes. At this point TD Bank has been negligent in handling the theft of our money and is doing nothing to assist us or attempt to get it back and refund it given their in ability to protect my money as their commercial and radio ads say. I have been deceived by TD bank in believing that our money is protected and insured and they would do their diligence to protect it since we have entrusted it with TD Bank. At this point I feel that Td bank has committed wrongful conduct and has deceived me.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: TD Bank Credit card was giving me 3 % rewards on a simple cup of coffee for the last two years. Each and every time, according to my credit card ( CC ) statement it showed the date, time, 3 rewards points ( the cost of the coffee was {$1.00} ) AND THE CODE IT WAS FILED UNDER namely " gas purchase " since it was from a XXXX convenient store. Here is an example straight from my CC statement XX/XX/2020 XXXX # XXXXXXXX XXXX XXXX Gas Purchase {$1.00} 3 That was the way they did it ever since I received my C, namely about for the last 2 years. After XX/XX/XXXX of this year they now have changed their policy to giving 1 %. I have called the customer department, who switched me to the rewards department from which I asked to speak to a Supervisor. She indicated that the code the merchant was reporting the transaction had changed from *dining* to *gas purchase* ( which was, as you can see, untrue ) and that I was not going to get the 3 % which I had been getting for two years because of this change in the " code '' they used. I asked for the code and she simply said it was now reported as a gas purchase, which was only rewarded at 1 %. When I asked her to look at my CC statement for the last two years she said she was unable to in the rewards department. I then tried to inform HER that what SHE was telling me was INCORRECT. She simply repeated herself about changing the code from dining to gas purchase two more times. Again I tried to tell her that what she was telling me was simply untrue and all she needed to do was check my CC statement. ( That turned out to be a big mistake because although I never changed the tenor/character of my voice she called me rude for correcting her. I simply started to say I was simply repeating to her what she said to me when she said " I was wrong '', at which point she hung up on me but not before I got angry with her and called her a nasty name for cutting me off for no reason ). Here is what each subsequent reward ( NOW CHANGED TO 1 % ) looks like on my CC statement XX/XX/2020 XXXX # XXXXXXXX XXXX XXXX Gas Purchase {$1.00} 1 The 3 in the first instance as well as the 1 in the second instance was the report of how many rewards points I was accumulating. THE GAS PURCHASE code has never changed throughout the entire situation! The bottom line after more than 5 calls to TD both rewards and customer service, to both first line employees and supervisors, was that I was dealt with very rudely, cut off in the middle of my explanation and, while simply asking them to review the statements that they sent me where the PROOF OF THIS CHANGE EXISTED, I have received no satisfactory answer to why the rewards changed for the exact same item at the exact same place of business. I of course followed up by going to XXXX where I bought the coffee but they ( The XXXX Merchant ) had no idea of what sort of code she was talking about. My intention was to get from XXXX the APPROPRIATE CODE so they would change the way it was reported ( since this was the ONLY EXPLANATION TD GAVE ME ) so that they ( the XXXX Merchant ) could change it back to the way it had been for the last 2 years or more. But XXXX had no clue as to what TD was referring. Being XXXX XXXX and using a XXXX card when I drive, which is rarely, I found this to be too difficult a task to complete on my own, so I am asking the CFPB for help. Please help me.+
Company Response:
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This the RE : Account # XXXX this has been on my reports and would like this to be removed because it just not been validated correctly
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: TD Bank USA/Target Card is in violation of the following FederaXXXX Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and hide the Securitization requirements. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Whereas, the credit cards issued under accounts # XXXX and XXXX was an illegal act by TD Bank USA/Target Card. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TD Bank USA/Target Card is in violation of Federal Law, 15 U.S.C. 1642. Federal law requires that no credit card shall be issued to any person except in response to a request or application for a credit card, 15 U.S.C. 1642. I never made a request or application for their credit cards that was issued under account # XXXX and XXXX TD Bank USA, N.A. as successor in interest to Target National Bank failed to disclose when, how or from whom, I applied for or requested the alleged credit cards when it was requested by XXXX XXXX. TD Bank USA/Target Card, under Federal Statutes 15 U.S.C. 1637 ( a ) requires every credit card creditor to fully disclose their rates, fees and other cost information in printed material, applications, and solicitations to open credit card accounts, before opening any account under a credit card consumer credit plan. TD Bank USA, N.A. as successor in interest to Target National Banks failed to disclose before opening the alleged credit cards account. Their failure to disclosed the rates, fees or other cost information in an application or solicitation, which is a statutory condition precedent to the accrual of a cause of action for breach of both credit card accounts. Federal Law 15 U.S.C. 1637 ( b ) requires every credit creditor of any account under an open end consumer credit plan to transmit a statement to the obligor for each billing cycle at the end of which, there is an outstanding balance in that account or with respect to which a finance charge is imposed. TD Bank USA, N.A. as successor in interest to Target National Banks actions failed to allege that they transmitted to the XXXX XXXX the statements required by 15 U.S.C. 1637 ( b ), which is a statutory condition precedent to the accrual of a cause of action for breach of a credit card account. Securitization a. That TD Bank USA, N.A. as successor in interest to Target National Bank ( and its affiliates ) enters into off-balance sheet arrangements know as securitization ; b. The securitization of loans has been a significant source of liquidity for TD Bank USA, N.A. as successor in interest to Target National Bank ( and its affiliates ) ; c. TD Bank USA, N.A. as successor in interest to Target National Bank ( and its affiliates ) typically uses special purpose entities to securitize its credit card loans ; d. In securitization of credit card loans, TD Bank USA, N.A. as successor in interest to Target National Bank ( and its affiliates ) transfers assets to special purpose entities and receives cash proceeds for the assets that have been transferred on a sales basis ; e. TD Bank USA, N.A. as successor in interest to Target National Bank ( and its affiliates ) transferred the credit cards loans to XXXX XXXX to special purpose entities ; f. TD Bank USA, N.A. as successor in interest to Target National Bank and its special purpose entities concealed the sales transaction from XXXX XXXX. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Because of TD Bank USA/Target Card, violations of 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) and hide the Securitization requirements, as accounts # XXXX and XXXX to be Null and Void and any monies paid by XXXX XXXX to be refunded.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Thursday I opened an account online with TD Bank and was approved. Before, every time I applied I was always denied because I owe them from an overdraft account years ago. Following that I received a letter in the mail saying that my account was one of the accounts listed in the TD overdraft settlement, and I put in my claim for it months back. In early XX/XX/2020, I called TD recovery department and asked for the owed balance to be settled, I was offered {$200.00} by XX/XX/XXXX, I agreed with that price. On XX/XX/2020 I walked into the TD branch in XXXX, FL to seek assistance and letting them know I just opened an account but I would like to pay whatever I owe first that way I wont go through any hurdles maintaining my account. I told the assistant manager, I dont remember his name, but it was a busy day and he took me and I gave him my ID, and he ran me through TD systems and verified that I did not owe anything to them, and he instead to verify and he called TD security to make sure everything is okay. He said he see nothing that I owe again, so I told him about my taxes and I needed somewhere local to store the funds, he told me to open the account. I opened it, deposited {$100.00} in my checking and {$20.00} in my savings, and was given a debit card. Then I came later that day and deposited {$300.00} into the atm because I didnt want to have too many cash on me. Friday passed, Saturday, I tried using the card for XXXX, it didnt work, XXXX XXXX, it didnt work. I called td to ask why its not working. I was told the account is not activated because the security team put an alert on my account from past due. I cant use my card at all with {$390.00} on my account with them that I just opened. I had to ask family for money to get where I needed to go because I was able to log in the app and there was funds shown. This is really emotional because I could have paid them the settlement of {$200.00} but I was told its was no past due accounts found. This is a horrible time for it to happen while trying to pay for bills.
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
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: Hi, I had a mortgage with TD bank. Mortgage account # XXXX. I contact TD bank to re-finance my mortgage in XX/XX/2019. I was working with the bank directly, assisted by their loan processor. Before closing, the loan processor advise me not to pay the current payment of the old loan, since the new loan will stat. The numbers were final to cover the old loan balance with all fees. This was paid off and the new loan start with payments to begin in XXXX. In the meantime, TD send me notice of late payment for the old loan which result in mark on my credit report. I contacted TD before but didn't get a response. Please help me to remove this mark on my credit score. Thank you, XXXX XXXX.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My complaint involves fraud and forgery of my personal checks in the amount of over one hundred thousand dollars and I was never informed by the Banks. In XXXX, me and my then-fiance agreed to go 50/50 to purchase a house in XXXX Delaware. At that time, I had an open line of credit on my XXXX home for {$50000.00} from TD Bank which I intended to use for my sons college education. I also took out a line of credit for approximately {$80000.00} through XXXX XXXX. In XX/XX/XXXX, at the closing office of XXXX XXXX XXXX XXXX in Delaware, they informed me that a {$10000.00} dollar check was written against my account and had bounced. It was revealed that my ex had without my knowledge attempted to write the check against my TD Account. At this point I no longer wanted to make the purchase of this property but was informed, if I didnt continue, I would be penalized XXXX. After the closing I discovered that my ex withdrew approximately {$31000.00} from my TD account and {$80000.00} from my XXXX account respectively. I then threatened to contact the Police and press charges, but she promised to pay the money back. I reported this incident to both Banks but was told that the accounts were in my name and I was responsible for making the payments. I contacted the XXXX XXXX XXXX XXXX, XXXX and XXXX. They inform my ex of the charges and advised her that if she violated the arrangements, I would press charges. My ex agreed to make the payments. Ms. XXXX was making payments until XX/XX/XXXX and stopped. When the Banks contacted me regarding the late payments, I again informed them that the money was stolen from my account. They again said they would only say that the accounts were in my name and Im responsible. On XX/XX/XXXX I went into the TD Branch in NY to obtain a copy of the transactions on my account and it was discovered that Ms. XXXX had stolen two checks and Forged my signature. Prior to this I was never informed by TD Bank. In addition, I was presented with two checks from XXXX XXXX that was also forged. Through TD Bank, I filed an Affidavit of Forged, Counterfeit or Stolen Check ( s ) and a Fraud Investigator was assigned. My account was eventually changed but to date I have no knowledge of the status of the investigation. I have been advised by Customer Service that while the investigation is ongoing no payments have to be made, but collections informed me that I am still responsible for making payments which is a hardship. My complaints to XXXX XXXX was the same. Being told that I was responsible for the payments. After my constant complaints, I was informed to report the incident to the Police, get a Case number then respond to the XXXX NY Branch to file a report. My local XXXX precinct would not take a report because to much time had passed when the Fraud had taken place. I reported the incident to the FTC, the FBI and Secret Service. On XX/XX/XXXX I responded to the XXXX XXXX XXXX location and filed a Loss Affidavit Report. At no time did XXXX XXXX inform me that my name was Forged. The signature on the checks is evident of Forgery. Since this Fraud incident my credit score has declined, I have appealed to the Credit Bureaus.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: TD Retail Card Services ( TDRCS ) opened a XXXX account in my name without my knowledge or authorization. I contacted them, submitted an affidavit and other materials and they are in the process of resolving the issue. One credit bureau has removed the account and charge but the other two have not yet. However, my complaint concerns my rights of the Fair Credit Reporting Act ( FCRA ) which says that TDRCS MUST give me copies of applications and other business records relating to transactions and accounts that resulted from the identity theft if requested in writing. I sent my written request on XX/XX/20 to the email address provided to me for submitting the affidavit and other supporting documents. I called yesterday, XX/XX/20, to verify that my request had been received and was told by XXXX ID XXXX that TDRCS would not release that information to me. I am not sure how they can deny that information to me as the FCRA specifically provides me the right to the requested documents. I would also like to file a complaint on the charge against the fraudulent account. My credit monitoring service alerted me to a hard inquiry on XX/XX/20 and I called TDRCS on that date to report the fraud and was told that no charges had been made against the account and was assured that they would not allow any charges to be processed while they investigated my fraud report. However, 6 days later on XX/XX/20, TDRCS allowed the fraudster to make a charge against the account even though I had reported the fraud 6 days earlier and TDRCS assured me that all activity would be blocked.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A