TD Bank, National Association Corporate

Complaint ID: 7144079

Product: Credit card or prepaid card

Sub-Product: General-purpose credit card or charge card

Issue: Other features, terms, or problems

Subissue: Other problem

Company: TD BANK US HOLDING COMPANY

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: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7143722

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Company: TD BANK US HOLDING COMPANY

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: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7142340

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Company: TD BANK US HOLDING COMPANY

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: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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