Date Received: 2023-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: From XXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. XXXX XXXX had charges of XXXX that was done fraudulently. With XXXX XXXX i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 One card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. XXXX XXXX confirmed it was fraud but someone other than me called and told XXXX XXXX the charges were accurate. In which caused them to rebill me.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased a workout bike for my wife from XXXX back in XXXX XXXX XXXX and immediately reached out to the company due to what appeared to be faulty installation. After my wife used the bike the first time she noticed the bike was faulty, as buttons did not work properly, if at all, and the system itself was not performing as expected. In other words we were not satisfied with the purchase. I attempted to reach out to the company via email, phone, and through their XXXX app several times to request a refund and let them know about the faulty/defective issues within the first month, and I never received a live agent on the phone, no one ever responded to attempts to contact the company on the app, and to date still have not received a response to my email. After the thirty day period to request a refund had passed and it seems the company deliberately did not respond to get to this point, I made payments in good faith as to not ruin my credit which I worked hard to build even while the company continued to be unresponsive to the issues with their product. In XXXX XXXX XXXX, I finally got a live agent on the phone ( XXXX XXXX ) who basically told me I need to fix the bike myself, as they would not send out a tech to fix the bike. I took the complaint to XXXX and suddenly someone from XXXX ( XXXX XXXX and XXXX XXXX XXXX reached out on XXXX. When I told them I attempted to return the product within the thirty-day return window, they indicated they will not accept a return nor provide a refund but they will send out a tech to repair. Clearly not what I wanted as I was approximately five months with a defective and faulty product that had not been enjoyed up to this point. To date, a tech came out three times and the bike is still not functioning as expected. The company is still refusing to provide a chargeback and refusing to accept a return of this product they failed to give me the opportunity to do within the first thirty days, yet they continue to attempt to collect as well as report me to credit bureaus.
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Td bank has held my check thinking it is a fraud check I offered proof to show how and why my check is real they say they dont need it I also try to ask for half of my deposit they say they cant honor my request yet make me wait till XX/XX/XXXX but yet they have a post on internet call keep a eye on your deposit in which it show you will be given half on second business day and they system didnt count the day of deposit as a business day which it want against it own on agreement I have medication to purchase and need my funds I have other life expenses to pay
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the XXXX XXXX XXXX XXXX individual as documented in APS reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Company Response:
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TD BANK USA/TARGETCRED {$1100.00} I had a person from the county of XXXX in Michigan come to my door and serve me with paper on a debt I found out that I did not owe. I ended up paying the amount. However, it is still on my credit report. This account is settled and needs to be removed now. I reported this debit as fraudulent and it is still on my credit because they are using the payoff as a form of validity. Which, I think is wrong and spiteful. This was also in the wake of my finding out I am a victim of identity theft.
Company Response:
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Please make all correspondence in writing. Phone calls will not be permitted in this legal matter. On XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX XXXX XXXX dba TD BANK GROUP AND/OR TD BANK N.A . AND/OR TD AUTO FINANCE. Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank and/or sold over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate. On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXXPrincipal gave first notice along with POWER OF ATTORNEY instructing CFO XXXX XXXX XXXX XXXX that I accept all Titles XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( Payoff sheet ) offered to me. I have given XXXX XXXX XXXX XXXX business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff. I was then met with a dishonorable bill in the mail after I've already paid the bill according to Federal Reserve Act Section 16 and the Bills of Exchange Act. Since then I have sent out 3 notices ( 3 tiers ) totaling nearly 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have them assessed before I moved forward. They're in Breach of Contract for inferior performance of their fiduciary duties. At this point they're in the know ; of this breach and I would consider their actions to be scienter. The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the federal reserve notes and am being extorted for extra monthly payments and interest on top of what I have already gave them
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Over the last several months I've contacted TD bank multiple times and requested that they close my small business accounts for XXXX XXXX XXXX. They have thus far refused to close the accounts.
Company Response:
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: TD Bank Savings Account. I am not able to access my account as of XX/XX/2023. I called - XXXX XXXX XXXX - multiple times from ( XXXX ) XXXX XXXX on XX/XX/2023 - spoke to different representatives each time- XXXX XXXX XXXX ( at the XXXX Branch XXXX, XXXX, XXXX - nobody willing to resolve the issue. Also, prior/earlier online requests to transfer funds were blocked/denied even after I had completed online verification as requested.
Company Response:
State: AZ
Zip: 85282
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: To whom it may concern On XX/XX/2023, my vehicle was illegally repossessed from inside a gated community and that is totally a breached of peace. XXXX XXXX repossessing my vehicle on a property that was not mine or a property listed on any paperwork that I provided. In fact, the gated community was that of a family member who was unaware the car had a lien on it. Because of this my family member ran out and stood in front of the vehicle requesting the company not take the vehicle. I also asked the tow guy to not take the car however, he refused my request. I also let him know he was breaching the peace, causing a scene and all the neighbors came out due to the commotion. I asked how he got through the gate and the tow guy refused to answer. If a proper investigation is conducted, you all will see the tow company illegally gained access to the property and illegally repossessed my vehicle. Your company is attempting to collect on a debt that I do not owe. I am disputing the entire balance. I have not received any bills although I have made many requests to have the bills sent via XXXX mail every month. TD Auto continues to defame character by reporting the account as delinquent and unpaid even though there is a billing error dispute. According to the Fair Credit Billing Act ( FCBA ) The creditor may not impose any charges related to the error resolution process or report the consumer as delinquent5. Consumers have the right to withhold payment of the disputed amount and any related charges until the dispute is resolved5. Due to this illegal act, I am seeking remedy/refund of fees I paid to recover my car {$3600.00}, UCC Damages in the amount of {$8400.00} in addition to 10 % of the purchase price ( {$4600.00} ), and {$3000.00} for violating my consumer rights which is the total of {$19000.00}. 15 USC 1692 F Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. This repossession was not ordered by the courts. I never had a contract with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TD Auto Finance giving my private information to XXXX XXXX, XXXX and XXXX XXXX XXXX is identity theft. According to the law. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I would like to exercise my non-disclosure option. I need an accounting ledger of my account ; I need copies of the contract. I need every bill from XXXX XXXX to XX/XX/2023. I need copies of the repo order and the document I signed to recover my car, which the repo company refuses to give me, stating I had to get it from my finance company. My requests should be mailed to XX/XX/2023, TD Auto Finance repossessed my vehicle again now requesting me to pay {$28000.00} to recovery my vehicle. Ive made many calls trying to recovery my car.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX, I ordered a digital camera on XXXX for the price of {$760.00}. I was supposed to receive the package and sign for it. However, no one knocked on my door, the package was no where to be seen. My package was now lost. When contacting XXXX, they said they couldnt do anything about it. Therefore I contacted my bank and disputed. Months later, on XXXX XXXX, the credit of {$760.00} was reversed. XXXX has no proof that they delivered the package to the correct home, they have no signature and they are refusing to give me my money back as well as the bank.
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A