Consumer Complaints: Td Bank, National Association

No narrative provided by consumer.

No narrative provided by consumer.

I opened a checking account with TD Bank and obtained a HELOC. To pay for the HELOC faster, I decided to move all my banking needs to my TD account including receiving rent payments. On XX/XX/XXXX, I began transferring my XXXX email and phone numbers to TD. That day, they locked all my emails and phone # s in with XXXX. I contacted XXXX and they said they don't control it, TD was the one who locked my profile. I contacted support who told me to show proof I am not a scammer by going to a branch. I did and the assistant Store manager assured me it was just a mistake. On XX/XX/XXXX, I received a message stating they will not release my emails and phone numbers and that I should seek alternative payment methods.
I contacted them over the phone once again and all they can say is the department that locked my account don't take calls and even if you speak to a supervisor you'll get the same answer that they locked my account and will not tell me the reason.

No narrative provided by consumer.

I am writing to formally dispute the charge-off reported on my credit report related to the above-referenced car loan account. Upon reviewing my credit report, I noticed that this account has been marked as charged-off, which I believe is incorrect.

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically Section 1681a ( 3 ), I am exercising my right to dispute the accuracy of this information. Under 15 U.S.C. 1681a ( 3 ), you are required to ensure that all information furnished to consumer reporting agencies is accurate and complete.

Additionally, under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, you are obligated to protect my financial privacy and maintain the confidentiality of my personal financial information. The GLBA mandates that you safeguard sensitive data and ensure it is not disclosed improperly. Given this responsibility, I request that you verify the accuracy of the reported charge-off and confirm that no unauthorized or erroneous information has been shared with credit reporting agencies.

Furthermore, the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ) requires that any adverse action taken against me, such as the charge-off of this account, be accompanied by a clear and detailed explanation. I am entitled to understand the reasons behind this charge-off and the steps I can take to address any discrepancies.

To assist in your investigation, I am requesting the following : XXXX. A complete payment history, including all payments made, missed, and the corresponding dates.
XXXX. A detailed explanation of the charge-off, including the calculation of the balance owed at the time of charge-off.
XXXX. Copies of any written communication regarding the charge-off and any notices sent to me prior to this action.
In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you complete this investigation and inform me of the results within XXXX days. If the information can not be verified, I request that it be promptly corrected or removed from my credit report.

Please acknowledge receipt of this letter and confirm that you will be conducting the requested investigation. I look forward to resolving this matter as soon as possible.

Thank you for your prompt attention to this urgent matter.

Sincerely, [ XXXX XXXX ] -- - This version of the letter integrates references to the XXXX XXXX, emphasizing the importance of safeguarding your financial information and ensuring accurate reporting. Be sure to include any supporting documentation with your letter to strengthen your dispute.

Dear Sir or Madam, I am writing to formally lodge a complaint against TD Bank in relation to an unauthorized withdrawal from my account ( ending in XXXX ) on XX/XX/XXXX. This withdrawal stems from a fraudulent charge dating back to XXXX that TD Bank failed to investigate properly. TD Bank exercised their right of set-off and withdrew {$2100.00} from my account without notice or justification, relying on falsified documentation provided by a merchant.

In XXXX, I disputed a charge of approximately {$2000.00} by a company named XXXX XXXX, which had wrongly billed me for services I did not receive. At the time, TD Bank credited my account after investigating the dispute. However, in XX/XX/XXXX, TD Bank reversed the credit based on fraudulent documents submitted by the merchant, including a forged signature that does not match mine. Notably, my name is even misspelled as " XXXX '' on the document, a clear indication of its falsity.
Despite this obvious discrepancy, TD Bank is obligated to protect consumers from unauthorized transactions and perform a reasonable investigation into disputed transactions. They failed to meet this obligation.

Key points of my complaint : The {$2000.00} debt that led to the withdrawal was created through fraudulent activity by a merchant ( XXXX XXXX XXXXXXXX ) in XXXX, which was previously disputed and resolved in my favor by TD Bank.

TD Bank failed to properly investigate the validity of the merchants claims, particularly the forged signature and misspelled name on the provided documents.

TD Bank withdrew {$2100.00} from my account without notifying me or providing any opportunity for response, contrary to their responsibilities under consumer protection laws.
This unauthorized withdrawal has caused significant financial hardship, especially as I am in the process of transitioning to a new role, where a substantial sign-on bonus was planned to be deposited into this account.
I have met all of my responsibilities in notifying TD Bank of the fraudulent activity in a timely manner and providing all necessary information during the dispute process. It is TD Banks failure to investigate thoroughly that has resulted in this improper withdrawal. Had TD Bank conducted a basic review, they would have confirmed that the signature on the merchants documents was fraudulent and that the merchant could have pursued civil means to resolve the issue if they believed they were owed funds. The merchant, however, chose not to pursue legal avenues, and TD Bank should not have allowed this deduction to proceed three years later.

I respectfully request that the CFPB investigate this matter and require TD Bank to : Immediately reinstate the wrongfully withdrawn funds of {$2100.00} to my account.
Provide a full explanation of their investigation process and their failure to detect the fraudulent signature and misspelled name.
Implement stricter procedures to prevent such unauthorized actions and fraudulent transactions in the future.
Compensate me for any fees, charges, or financial losses incurred due to this wrongful withdrawal.
I have attached all relevant documentation, including TD Banks XX/XX/XXXX, correspondence notifying me of the withdrawal and documentation related to the disputed transaction.

Thank you for your time and attention to this urgent matter. I trust that your office will handle this case with the seriousness it warrants, and I look forward to a prompt and fair resolution.

Sincerely, XXXX XXXX XXXX : TD Bank correspondence from XXXX ( dated XX/XX/XXXX ) TD Bank correspondence to XXXX ( dated XX/XX/XXXX ) Documentation of the disputed transaction

On XX/XX/XXXX, I applied for a new checking account with TD Bank online. I was unable to open the account online via TD 's website. I noticed they had a promotional offer for new customers where if you make qualifying direct deposits of {$500.00} or more within 60 days, TD would give me {$200.00}. The offer is attached. As I was unable to open the account online, I went to the local TD branch to open the account in person. When I went to the local TD branch, the customer service rep, XXXX XXXX, was happy to help me open an account. I showed him a printed bonus offer page from TD 's website and he said " for this promotion, an account has to be opened online ''. I told him that I had tried opening my account online, and I asked if he could make an exception to allow me to be eligible for the bonus offer. XXXX said he'd ask his manager about making an exception. I was given the ok to open the account with the bonus promotion of {$200.00} if I met the qualifications. The qualifications for the promotion were " 1. Open a TD Convenience Checking account '', ( my convenience checking account was opened on Saturday XX/XX/XXXX ).
" 2. Make {$500.00} in qualifying direct deposits within 60 days of opening account '', ( I made a direct deposit into the new TD account in the amount of {$500.00} from my employer on XX/XX/XXXX, 6 days after I had opened my account. ) " 3. Earn {$200.00}. Bonus will be paid on or before 180 days after account opening '' ( 180 days after account opening would've been roughly early XX/XX/XXXX ) Then XXXX asked me if I had ever opened an account with TD before. I said yes but it had been at least 2 years. XXXX wanted to confirm when my last account was opened as I would not qualify for the bonus if I had an account open with TD within the past 24 months. I told him I had an account but it was closed in XX/XX/XXXX. XXXX wasn't able to confirm when my last account was opened and he wanted to check with the back office. XXXX told me to call him in 10 business days and he would let me know if I would still qualify for the bonus of {$200.00}. I called TD back in 10 business days on XX/XX/XXXX to see if I was eligible for the bonus. I got no response when I called. On XX/XX/XXXX at XXXXXXXX XXXX EST XXXX, from the TD branch I opened my account at, called me and told me that the back office did say I was eligible for the promotion if I met the requirements. On XX/XX/XXXX, over 180 days had past since I was supposed to get the promotional money. I had met all of the requirements, but there was no {$200.00} bonus in my account. I called the TD branch that I had opened my account to find out why the bonus didn't post. XXXX said " he'd take care of it with the back office and get back to me ''. I hadn't heard from him so I called back on XX/XX/XXXX, he told me he was still waiting on the back office. I called again on XX/XX/XXXX, XXXX said there was an email between him and the back office that said I qualified for the exception and had met all of the requirements, but he had to wait on the back office. On XX/XX/XXXX, I called TD again and XXXX said he was going to speak with his manager and would call me back. He did not call me back. On XX/XX/XXXX, I called TD again and spoke with XXXX who said " the back office granted me the exception but they were not going to honor their exception any longer '' and I would not receive the {$200.00} bonus even though I met all of the requirements and there was even an email between XXXX and the back office stating that I was eligible through the exception and had met all of the requirements.

No narrative provided by consumer.

They keep refusing my dispute and making my account go negative telling me to resolve the issue with the merchant but I'm showing them that the merchant are known scammers and they're ignoring me and not helping me to resolve the issue. They charged me to buy an item and then took the item back after the 2 week warranty date and when I contacted the merchant about my purchases and items they keep telling me they cant help me since the seller took my money already and they ignore me and won't give me my money back.

I showed XXXX XXXX XXXX multiple times that this company scammed me and they still won't do anything to help giving me the same response to solve the issue with the merchant but how can I do that when they ignore me constantly and i've shown them proof of this same exact issue happening to other people as well.

They're also conducting illegal activity by faking buyer reviewers and automatically making accounts do reviews when you don't do them which is fraud and illegal yet TD BANK N.A ignores this as well.I 've shown my bank proof multiple times that this company XXXX XXXX is a scamming company that does illegal activity on the buyers such as writing fake reviews on the buyers behalf to make it seem like people are getting what they paid for when in reality they arent.

No narrative provided by consumer.

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely.
NORDSTROM/TD BANK USA XXXX

No narrative provided by consumer.

No narrative provided by consumer.

No narrative provided by consumer.

In year XXXX during covid pandemic, I set up all my credit cards on auto pay. XXXX of XXXX I used Nordstrom auto pay to pay my account every month, however Nordstrom autopay system did not debit my account on the due date properly. When I noticed it, I immediately made the payment and requested that Nordstrom fix their autopay system. My credit report continues to show this account as 30-delinquent one time in XXXX. I requested the store to remove the late payment as a 1 time courtesy, since I believe it was their autopay malfunctioning. Nordstrom has refuse to make the necessary adjustment to their credit reporting. I am requesting the CFPB to resolved this dispute by contacting Nordstrom credit services and request that they do their due diligence and remove this 1 time negative reporting from my credit reports.
Regards, XXXX XXXX

No narrative provided by consumer.

At some point between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX transferred their accounts to TD Bank.

Received XXXX statement on XX/XX/XXXX. My bill is due on the third of every month via automatic payment that I have authorized XXXX to take from my bank each month. After reviewing my statement I noticed I had been charged a late fee of {$29.00} on the date my XXXX payment was due.

At XXXX XXXX EST on XX/XX/XXXX, I called the customer service number XXXX and was on hold for 30 minutes. After a 30 minute hold time, I disconnected the call. Afterwards, I submitted the following message on TD
financing website, XXXX, and explained the issue : " I just received my bill with TD financing for the first time and have late fees of {$29.00}. My payments are and were setup for XXXX to take payments from my bank on the due date every month. For the last 10 months the payment has been withdrawn AFTER the due date and I have never been charged a late fee. It is not my fault if TD bank didn't take the money on the date they were supposed to be paid. Please remove the late charges from my account and adjust my credit score accordingly! '' The message still shows as " Pending. '' I attempted to call again at XXXX EST on XX/XX/XXXX, and was left on hold again for another 37 minutes. My mail came that same day, and in it was a past due notice from TD Bank Retail Card Services for XXXX XXXX. I called the number on the letter, ( XXXX ) XXXX. The gentleman that I spoke to was with the collections department and because my account had not been flagged as of yet, there wasn't anything he could do except take a payment or make a payment schedule. He offered to transfer me to another department that could handle the errors on my statement, where I sat for another 30 minutes on hold. About this time is when I decided to research about filing a federal claim.

In looking at my most recent activity on TDFinancing.com, there are currently XXXX declined transactions for {$8.00} on a single day, XX/XX/XXXX. This {$8.00} is to cover XXXX XXXX which is now being threatened to be discontinued due to a payment error. I received a text message on XX/XX/XXXX instructing me to update my payment method or lose my XXXX XXXX XXXX. Again, there has never been an issue with my payment method. I believe I had one late payment in the very beginning with XXXX XXXX still in control and they waived the late fee. From that point on, I allowed XXXX to take the payments when due to avoid another late fee.

No narrative provided by consumer.

I have been a victim of identity theft since XX/XX/2024. On XX/XX/2024 I was notified that a checking/savings account was opened in my name without my permission with Td bank. I reached out to Td bank regarding this issue on XX/XX/2024 through both the fraud department and global security department. I spoke with 2 agents on the phone regarding my problem but both of them refused to verify for me if a fraudulent account exists. They also refused to give any account details. When asked for a case ID number regarding the phone conversation neither agents provided me with a case ID.

I am in disagreement with the Account listed below Which steel appears on my credit report, even after your investigation. I would like this immediately reinvestigated inaccuracies are highly injurious My credit score.
XXXX { NORDSTROMS } { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXXXXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXX XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } In accordance with the Fair Credit Reporting act Public law 91506, Title Vl, Section 611.

Please provide the name and business addresses of each individual which whom you verified above so that I may follow up please send me an updated copy of my credit report after your investigation.

Thank you.