TD Bank

Fraudulent charges in the amount of {$940.00} were made to my XXXX XXXX account from XX/XX/year> through XX/XX/year>. I received a letter from XXXX dated XX/XX/year> stating that my account was being credited for the charges as well as any fees and interest. Part of the charges were credited but the remaining was not. Multiple calls each month have been made to the fraud department and I was assured by supervisors that my account would be taken care of but that has not been done. Instead, my account was closed on XX/XX/year> with an amount of {$860.00} being shown as charged off.

XX/XX/XXXX- I received a physical mailer in my mailbox with an offer {$300.00} bonus with {$500.00} direct deposit to a new checking account. XX/XX/XXXX - new account opened XX/XX/XXXX - {$500.00} direct deposit hit XX/XX/XXXX - after 6 months, no bonus, sent secured message to ask for bonus XX/XX/XXXX - bank replied, saying they will check in 3-5 business days XX/XX/XXXX - no answers, followed up, they said they will check XX/XX/XXXX - no answers, followed up, they said they will check XX/XX/XXXX - still no answers I suspect the company would not offer the bonus, as they are making fake advertising

I am writing regarding a serious issue with how my account has been handled following a fraud case. There was a fraudulent charge on my HELOC account of {$4900.00} on XX/XX/year>. On the same day, I immediately disputed the claim as I had not made this charge. TD bank closed my account as a precautionary measure and made me a new account and confirmed that the charge would be cleared as initial investigations show that the charge is indeed fraud. However, instead of clearing the charge on the new account, the same fraud charge was transferred over despite the bank informing me that the charge would be cleared. After calling the bank, they told me they would clear it. However, weeks, months have gone by with little to no progress or indication of the charge being cleared. Additionally, as the account was closed, they also locked the account to be logged into from my phone and computer.…

Read full complaint at CFPB →

My bank TD Bank called me to notify me of potential fraud on my bank account so I checked my account, I open my app from time to time but I dont usually scroll that much so I did not notice until it was brought to my attention but between the dates of XXXX XXXX there are countless charges from XXXX XXXX on my account so I called customer service and disputed all of them, some were pending still so I had to call back a few times to dispute those charges when they eventually postedcredit was provisioned to my account as TD Babk acknowledged the fraudbut as XXXX XX/XX/XXXX they reversed the provisioned credit so I called an agent and they stated the reasoning was that I had checked my app while fraudulent charges were being made, I never noticed the charges until it was brought to my attention as I work everyday Im a very busy person, I re-filed the disputes and escalated the situation but what they are doing isnt right and I want my hard earned money back

Dear Sir/Madam, Please see attachments. I am writing to formally request a review and reopening of my previous complaint, numbered XXXX, concerning an unresolved dispute with TD Bank , related to a charge of {$1900.00}, dated XX/XX/XXXX, linked to merchant order number XXXX. On XX/XX/XXXX, I received a call from XXXX XXXX, Chairman of TD Banks resolution team, informing me that my case had been resolved and a credit of {$1900.00} had been issued. I also received two letters confirming that the credit was final and the case was closed. However, on XX/XX/XXXX, I noticed an unauthorized charge for this same amount on my account. Furthermore, I previously submitted a detailed 19-page document to TD Bank 's dispute department on XX/XX/XXXX, illustrating that XXXX XXXX XXXX failed to comply with its return policy by not sending the correct bike and missing the battery and parts. The bike remains unused and boxed, and I am requesting a refund accordingly.…

Read full complaint at CFPB →

" To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX.…

Read full complaint at CFPB →

In accordance with the fair credit Reporting Act XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for and purpose.

On XX/XX/year>, I purchased a vehicle as a full cash transaction for {$40000.00} and explicitly declined financing multiple times. Despite this, the dealership submitted a credit application without my knowledge or consent, and TD Auto Finance accessed and used my consumer reports and approved the application. No loan account was ever opened. As a result, approximately 14 unauthorized credit inquiries appeared on my credit reports. I disputed these inquiries, and some were later removed, including the TD Auto Finance inquiry. TD confirmed that it received and approved an application but failed to provide any copy of the application or evidence of my authorization. I submitted multiple written requests and an Identity Theft Report requesting records under FCRA 609 ( e ), but TD refused to provide the requested documentation, claiming it was confidential.…

Read full complaint at CFPB →

on XX/XX/year>XXXX a new TD checkings and savings account was opened as a first time customer with an initial minimum deposit made in cash. XX/XX/year>XXXX my XXXX for this account was restricted and subsequently all external transfers were also restricted. I made contact with the bank to ascertain why this was the case and no information was provided as to why this was done. my funds are stuck in the account and can not be transfered out.

XXXX XXXX TD Bank XXXX XXXX Consumer Financial Protection Bureau ( consumerfinance.gov/complaint ) Consumer : XXXX XXXX Business : XXXX XXXX XXXX Account XXXX : XXXX Issue : Failure to properly handle dispute / improper denial based on unsupported compelling evidence I am filing this complaint against TD Bank XXXX their handling of a dispute claim ( Claim # XXXX ) involving a charge for services that were never provided. On XX/XX/year> ( XXXX XXXX ), I paid for a hotel stay through XXXX. I was never checked in and never received the service. I contacted the company multiple times that day ( approximately XXXX PM ), but the issue was not resolved. As a result, I was forced to secure alternate accommodations the same day through XXXX at a cost of {$220.00}. I promptly filed a dispute with TD Bank.…

Read full complaint at CFPB →

Fraudulent charges to my credit card XXXXTarget since XX/XX/year>. {$81.00} and {$10.00}. I called continously. Target charged me late fees and interest fees for Fraudulent charges. Finally in early XXXX target reimbursed the Fraudulent charges. However, they are still charging me late fees and interest. Target has destroyed my credit. I don't know what to do.

This company is violating my rights they have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I am stressed out because this company is violating my rights under 15 U.S.C> 1681s-2 ( a ) data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Ive been a customer for XXXX years+ and Ive explained to the bank there is no physical bank close to me and I have to do auto payments to get the price discount from XXXX like XXXX XXXX I sometimes dont get to the bank in time to deposit the money so Im not short and for years in the beginning they honored crediting my account the fees. {$35.00} & {$14.00} plus ATM fees. The last few years they havent and will only credit me for a month. Its becoming more and more difficult to stay at this bank and that money over the years adds up. My savings account just pays fees so XXXX XXXX is looking more appealing. I even had both my kids join this bank. : ( Loyalty should count for something

TD bank sent me a new credit card on Monday XXXX XXXX. When I attempted to activate it said call customer service. I contacted customer service since TD removed my online access on XX/XX/year> and they stated that the card was closed by TD on XX/XX/XXXX. I questioned why did I receive a cardXX/XX/XXXX days after TD closed my account by the way without notifying me and she said opps a mistake on our end. How do you send a card out to a customer if the account was closed XXXX weeks prior. I asked what my balance is and she stated a credit balance of $ 400+ and I would receive a check which has not arrived yet. For the third time I requested to cease all communication to me since I can not sign in to do it myself and for the third time I was told I would not longer receive anything from TD. However, this morning I received XXXX more emails from TD requiring credit score. ENOUGH!!!!!

TD bank sent me a letter dated XX/XX/XXXX, XXXX, XXXX, notifying me to close my account on XX/XX/XXXX, XXXX. I received the letter on XX/XX/XXXX, by that time my account was already closed. This gives me no time to transfer my payments to another account, resulting payment failure to my payees. Put me in high risk with my financial arrangements and damaging my credit. The bank gives me no reason for closing my account and clearly they dont putting consumer interest as their first priority.

I am writing about a highly unsatisfactory experience related to a foreign check deposit made in XX/XX/year> at TD US Bank XXXX XXXX XXXX branch. At the time of deposit, I presented a USD-denominated check issued by a XXXX XXXX. The teller clearly informed me that the funds would be available within approximately five days and that there would be no fees associated with the deposit. While I understand that front-line staff may not always be fully aware of the extended processing time for foreign checks, the assurance that the transaction would be free of charge directly influenced my decision to proceed. Several weeks later, I received a letter stating that a {$17.00} fee would be applied to the transaction. Had this fee been disclosed upfront, I would have chosen an alternative method ( such as a wire transfer ), which is both faster and more cost-effective.…

Read full complaint at CFPB →

A Target XXXX representative offered to waive a late fee if I made a payment via ach on the phone with them to get my account current. When I called back to confirm the waiver another representative acknowledged the first rep gave misinformation but refused to honor the original agreement. I am requesting the {$41.00} fee waiver that was originally promised.

Called TD BANK XX/XX/XXXX to dispute the information and tell them the account was fraudulently opened, representative asked me all the details I gathered, said they found the account & it was opened XX/XX/XXXX, provided the address and also transactions with the account, all transactions were in XXXX XXXXXXXX XXXX where I do not live. This account was opened fraudulently and they are trying to make me liable for something I did not open. I want written communication, not system computer investigation to prove that I was the one who opened this account. I DID NOT OPEN THIS ACCOUNT OR GAVE ANYBODY AUTHORIZATION TO OPEN IT, THIS IS FRAUDULENT AND I SHOULD NOT BE LIABLE FOR THIS ACCOUNT, PLEASE REMOVE THIS FROM MY CREDIT FILE I Also disputed this information and they still haven't shown proof of how I was liable for this account because they can't.

I started a car load with TD Auto Finance through my dealer on XX/XX/XXXX I started auto payment from my checking account monthly. There was a problem with a payment that was paid and cancelled on XX/XX/XXXX. I was never informed that I was now behind XXXX payment. All following payments were then XXXX XXXX late. This continued until I was notified of an over due balance of {$900.00} via a phone call in XXXX of XXXX. I tried to dispute the overdue charges since I hadn't missed a payment and didn't realize I was behind one payment until they notified me over XXXX years later. I asked for any letters that they had sent since I wasn't signed up for their on line portal and I was unaware of being behind on a payment. I also asked to be escalated to a manager stalled and run in circles every call on every call. The only thing they offered was a single assessment waiver on XX/XX/XXXX. I recently paid off the load and was going to let this go since it wasn't worth the fight.…

Read full complaint at CFPB →

I am submitting this complaint regarding an inaccurate late payment that was reported XXXX my Nordstrom card account owned by TD bank. At the time of the alleged missed payment ( XX/XX/year> ), my online account had been marked as inactive, which prevented me from accessing my account information XXXX monitoring any balances due. Additionally, I did not receive any forms of communication stating that there was a balance due. On top of that I have auto payment on XXXX do not use this card. Because of all this, I was not aware any payment was due until it was submitted XXXX the credit bureaus at which time I immediately paid by phone since I still could not access my online account. They let me know that when they switched over XXXX TD bank some auto payments XXXX accounts went inactive. I have had this card for XXXX years XXXX have never missed a payment XXXX given these circumstances, I request the removal of the late payment from my credit report.…

Read full complaint at CFPB →

b'Dear Sir/Madam,\n\nI am still waiting for communication from TD Bank\'s wire department as to the status of a regular domestic wire which is being held for more than XXXX XXXX regular days without explanation.\n\nI initiated a domestic wire from XXXX XXXX to my TD bank checking account on XXXX XXXX XXXX XXXXFunds were withdrawn and I received a confirmation from XXXX XXXX that the wire was completed on XXXX XXXX XXXX XXXX XXXX XXXXI went into a TD Bank branch on XXXX XXXX XXXX and was told that there is no indication of an incoming wire.XXXXI called TD Bank on XXXX XXXX XXXX and was there is no indication of an incoming wire and I would have to contact XXXX XXXX to run a "trace"; as this can only be done by the party which initiated the transferXXXX XXXX ran a trace on XXXX XXXX XXXX as funds were still missing.\n\nI called TD Bank on XXXX XXXX XXXX and a representative was able to find the wire and informed me that it is on hold and an email was sent to the Wire Department for…

Read full complaint at CFPB →

TARGET DELIVERED LESS THAN ADEQUATE CUSTOMER SERVICE TO HANDLE MY SITUATION, YET STILL BILLED ME FEES. I AM WILLING TO PAY THE FRAUD SINCE IT IS CLEAR TARGET IS NOT A REPUTABLE CC COMPANY AND I WILL SEVER ALL BUSINESS WITH THEM. I AM WILLING TO MAKE PAYMENTS TO THE PRINCIPAL CHARGES ONLY BUT THEIR BILLING SYSTEM IS POORLY DESIGNED. I WANT SOMETHING IN WRITING. TARGET HAS DESTROYED MY CREDIT WITH THEIR OVERSEAS CUSTOMER SERVICE. THIS HAS BEEN A TERRIBLE EXPERIENCE FOR ME. WE RECENTLY EXPERIENCED A FLOOD AND HURRICANE IN XXXX AND I WAS UNABLE TO FOLLOW UP BY XX/XX/year>. THEREFORE, I AM REOPENING THIS COMPLAINT. AN AMERICAN BUSINESS REP FOR TARGET CALLED ME IN XXXX AND I HAVE YET TO REACH HER AGAIN. THEY REFER YOU TO A NON ENGLISH THIRD PARTY AND HIDE FROM THIER COMPLAINTS.…

Read full complaint at CFPB →

On XXXX XXXX XXXX XXXXXXXX I called TD Auto finance at approximately XXXX pm. I some with a representative who advised me an order for a repossession has been placed, I then asked the rep what should I pay, she informed me the past due amount of XXXX. I made the payment over the phone and specially asked is that all I needed to pay, I informed get next XXXX I will get the account caught up, she stated yes. I've been specifically as the representative was this payment going to cancel the repossession order and that I did not have to worry about my car getting repoed. The representatives said yes I am placing the cancellation order now You do not have to worry about your car being repoed. Later on that night about XXXX a.m. they repossess my car. I called on XXXX the XXXX and ask to speak with a supervisor who then listen to the recorded conversation and they canceled the repossession fees and I paid an additional {$1000.00} to get my account brought up to the right balance.…

Read full complaint at CFPB →

A letter came in XX/XX/XXXX from XXXX XXXX from TD bank saying they are closing everything by XX/XX/XXXX and that they will honor checks made before XX/XX/XXXX and electronic online amount until XX/XX/XXXX. Lot was going on and now I am reporting it as I just don't want new unsuspecting customers have their account closed suddenly and no one in the banks in person or online I checked on knows the reason or how to handle the situation as no one knows which is very frustrating! I called the number that the letter came with and all I got was a busy signal. The manager I spoke with says to check with the head office which have no address that I can find to complain. Though the letter claim they will honor the bills received before date... they did not! They did eventually refund what's in my checking account but with the inconvenience of finding another bank quickly and forced to call my rent office to not cash check and my gas bill being late and charged for late fee of not received.…

Read full complaint at CFPB →

Company Name : Nordstrom Card Services Product : Credit Card Issue : Fraudulent charges/ Billing dispute Desired Resolution : Refund What happened : I am filing this complaint regarding a fraud dispute on my Nordstrom credit card account that has remained unresolved since XXXXXXXX XXXX XXXX XXXX While traveling in XXXX, my credit card was stolen, and unauthorized charges were made on my account. I promptly reported the fraud and fully cooperated with the investigation, including providing : Government-issued identification A police report filed abroad related to the theft A completed fraud affidavit At the time of my initial report, all unauthorized charges were removed, and I was instructed only to monitor for a replacement card. I was not informed of any additional documentation requirements or ongoing investigative steps.…

Read full complaint at CFPB →

I was given a check from XXXXXXXX XXXX for the amount of {$5300.00} It was deposited into my fiance 's TD bank account. TD bank cashed the check and marked it as fraud and held the money. XXXXXXXX XXXX has been trying to get the money back so that they can give it to me. XXXX XXXX has filed a claim XXXX. It has been months and XXXX XXXX can not get a hold on anyone from TD Bank. I have called TD bank multiple times and they are not helping. XXXX XXXX has also been trying to get a hold of them.

I am filing a complaint against TD Bank regarding a mishandled dispute connected to a refund from XXXX that has caused severe financial hardship. I have been going back and forth with TD Bank for months over a dispute where XXXX has already approved my refund. I have submitted every document TD Bank has requested multiple times, including official confirmation from XXXX stating that the credit was approved. Despite this, TD Bank continues to delay the resolution and repeatedly asks for more information without properly processing what has already been provided. I also spoke with an XXXX representative who said to dispute the charges with my bank and the reps knows that. Additionally, a TD Bank employee in the branch previously attached the wrong documents to my claim, which forced me to restart the entire dispute process. This caused significant delays, and now months later the issue is still unresolved. I feel that I am not being listened to or taken seriously.…

Read full complaint at CFPB →

I am writing to dispute fraudulent/Inaccurate information on my credit report. The account listed as TD BANK USA/TARGETCRED, account # XXXX has a charge-off amount of {$370.00} from XX/XX/XXXX - XX/XX/XXXX that were not made or authorized by me. I believe these transactions are the result of identity theft or fraud. I have only discovered that my accounts are delinquent through the credit apps such aXXXX XXXX XXXX XXXX XXXX I never received a statement in the mail, and the last time I reviewed my account, it was at a {$0.00} balance. When I contacted the credit agency I was told the only information they had available was the charge-off amount.

I am writing to dispute fraudulent/Inaccurate information on my credit report. The account listed as NORDSTROM/TD BANK US , account # XXXX has a charge-off amount of {$210.00} from XX/XX/XXXX - XX/XX/XXXX that were not made or authorized by me. I believe these transactions are the result of identity theft or fraud. I have only discovered that my accounts are delinquent through the credit apps such as XXXX, XXXX, and XXXX. I never received a statement in the mail, and the last time I reviewed my account, it was at a {$0.00} balance. When I contacted the credit agency I was told the only information they had available was the charge-off amount.

Unauthorized transactions occurred over time on an account that was not my primary account, so they were not discovered immediately. XXXX the transactions were discovered during a tax-season review, TD Bank was notified XXXX asked XXXX conduct a complete investigation. XXXX claims were opened : Claim XXXX for {$6300.00} Claim XXXX for {$19000.00}

CFPB Complaint TD Auto Finance Account Number ( last XXXX ) : XXXX I am submitting this complaint regarding the reporting of a XXXX late payment on my TD Auto Finance auto loan account. The payment in question was submitted online directly through TD Auto Finance on XX/XX/XXXX, and a payment confirmation code ( XXXX ) was issued immediately upon submission. During a XX/XX/XXXX, telephone conversation with TD Auto Finance representatives, I was advised that their system reflects the payment as received on XX/XX/XXXX, at approximately XXXX XXXX Eastern Time. However, TD Auto Finance informed me that payments received after an internal XXXX XXXX Eastern Time processing cutoff are not posted until the following processing cycle. As a result, the payment was posted on XX/XX/XXXX, and the account was reported as 30 days late for XX/XX/XXXX. The cutoff policy does not appear in my retail installment contract, and I received an immediate payment confirmation upon submission.…

Read full complaint at CFPB →

Complain again TD bank regarding fraud via XXXX. I am filling this complaint regarding a fraud incident involving my account with TD bank and a transactions made through zelle. In XX/XX/year>, I sent approximately {$2.00} XXXX via XXXX to an individual who presented a business opportunity. This individual misrepresented the service and failed to deliver any of the promised results. It has now been over a year, and I have not received any returns, profit or refunds. It is clear that I was a victim of a scams. I reported this situacion to XXXX TD Bank on two separate occasions, and both claim were denied without i believe to be a proper investigation. The transaction may have been authorized by me., but they were made under false pretenses. Which constitutes FRAUD. I feel that I have not been adequately protected as a costumer and an seeking assistance and resolving this matter.. Sincerely, XXXX XXXX

On or about XX/XX/XXXX, a charge of {$7500.00} from XXXX XXXX XXXX was posted to my fathers Target XXXX account issued by TD Bank. A billing dispute was promptly opened. The basis of the dispute was not that no service was provided, but that the service was materially different from what was agreed to, and that the contract was altered after performance had already begun, despite explicit contractual language requiring any revised agreement to be executed prior to the start of work. Specifically, after the moving company began loading, the terms and pricing were changed. At that point, my father did not have a meaningful opportunity to decline or cancel the transaction under the revised terms.…

Read full complaint at CFPB →

When I opened my savings account with TD Bank, I was not clearly informed about any recurring transaction fees. The only information provided to me was about possible charges for transactions outside of TD Bank. I was never told that I would be charged fees for normal transactions within my own account. Over the past few months, I have been charged {$3.00} repeatedly for routine transactions, such as transferring money to my savings account or depositing a check. These charges have occurred approximately XXXX times. This is extremely excessive and unfair. If this were a monthly fee, it would be understandable, but charging a fee every single time I use my account in this way was never properly disclosed to me. I contacted TD Bank to request an explanation and a refund, but they have refused to return the money and have not provided a clear or reasonable explanation. I believe these charges are abusive and were not properly explained at the time I opened the account.…

Read full complaint at CFPB →

I am submitting a complaint regarding TD Bank closing my account and holding my remaining funds without providing a clear explanation or a definite timeline for release. TD Bank informed me that my account has been closed and that my funds may be held for up to 90 days. However, I was not given a specific reason for the closure or any clear requirements for when or how my funds will be returned to me. I was also told that a request was submitted to expedite the release, but there is no guarantee or defined timeframe. At this time, I am not aware of any unresolved issues that would justify holding my funds for this length of time. I have requested clarification from TD Bank but have not received sufficient details. I am requesting that TD Bank provide : 1. A clear explanation for why my account was closed 2. The specific reason my funds are being held 3. A firm timeline for when my remaining balance will be released I also request the prompt return of my remaining funds.…

Read full complaint at CFPB →