Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account is shown as a charge off. TD Finance has shown no evidence of this being the case as the vehicle was current at the time of sale. There has been attempts made to contact TD finance about verification of this and they have given NO response. Certified letter ( XXXX ) was sent and received XX/XX/2023 and XX/XX/2023. Certified letter ( XXXX ) sent and received XX/XX/2023 and XX/XX/2023. Each of these have gone with NO Response.
Company Response:
State: LA
Zip: 71291
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS COMPANY IS IN COMMITTING IDENTITY THEFT BY REPORTING INFORMATION OF MY CREDIT REPORT WITHOUT MY CONSENT AND ALSO VIOLATING 15 US CODE $ 1681c-2.
Company Response:
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I signed up to open a new checking acct with the understanding that I would get a {$300.00} bonus after 180 days and upon having {$2500.00} in qualifying direct deposits within 60 days, which I did comply with. I read the print that said I would not be able to qualify for this promotion if I currently had an open acct of if I closed a previous acct within the past 90 days. Neither was true. I had an acct that I closed in XXXX of XXXX. I see now on their " promotional '' terms that you will not qualify if you've ever received a bonus before. However that verbiage was not in the fine print when I opened this acct last XXXX. They think because that is their rule now that I fall under that. I dont. That was not the rule in XXXX of XXXX when I opened this acct. Therefore I think I deserve this {$300.00}. I am sick of banks doing their bait and switch tactics. I called the TD bank about this and they are trying to tell me I am not eligible for it. I am eligible for it and I would like it. I have my paperwork from I signed up that shows I am eligible. Please let me know how to proceed..
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have provided Target Credit and XXXX XXXX ( x 2 accounts ) with proof that I have been working outside of the USA for over 14 years. I never applied for these three cards, and they do not belong to me. I have tried everything to have this removed. It is causing a problem with my security clearance. Also XXXX, This was not mine also
Company Response:
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I went to TD bank Branch on XXXX XXXX XXXX XXXX DE with {$3000.00} cash and I used the ATM Machine To deposit my Money. The cash which was my pay By the way was in a form of Mixed Bills XXXX and XXXX bills. Since I already know that the machine won't accept that many bill at the same time so I decided to do two deposit consecutively. I made the first deposit with out paying attention to how much exactly it was, It went trough fine with no problem and the second transaction after I put the stack of cash in the machine that's when an Error occurred and the machine get stocked. I got a message asking me approximately how much was my Deposit? Since I wasn't sure I just Put a number {$1800.00} Hoping that whoever will handle the transaction will figure out how much it was. All I know at that time That I had {$3000.00} in Cash. When I Check My Account Later I found out that Indeed the first deposit was {$2100.00} so instead of XXXX That I put it should have been {$880.00}. I called them The next Business day to correct it. They Open a dispute case on my behalf and they tole me that they will Count the deposits in their defaulted Machine and let me Know. At the Mean Time they Gave me credit for my {$880.00}. I received a letter from them few days ago saying that the case was closed to my favor and no more actions will be required. I was Shock when i checked My account on XXXXXX/XX/23 to see that they went to my account and took the {$880.00} again Unjustly. Someone did not do his job Right. I'm sure If they had Counted their Money right in that Machine we wouldn't be having this complaint. I Really appreciate your help resolving this matter. If I was really a bad guy or trying to cheat them I would have stick to the original Number That I put the first time which is {$1800.00} but Instead I was Honest and That's what I get because of My Honesty. Please Help me resolve this Issue. Respectfully Yours. XXXX XXXX
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the XXXX XXXX, TD bank Nordstrom as well as XXXX XXXX and XXXX regarding this issue on and off for about two years. XXXXXXXX XXXXXXXX is reporting a charged off account of {$0.00} on my credit report, Nordstrom {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, XXXX XXXX {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
Company Response:
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing again regarding my ongoing attempt to resolve the fraudulent access to my bank account with TD Bank. One of the most striking deficiencies in this process has been the lack of customer service from TD Bank and their failure to maintain any consistency in service. Had I been able to contact their fraud department directly I believe the issues which have caused this matter to continue for 18 months would have been easy to resolve. However, because of the process of making a complaint to someone who relays that complaint and then waiting to see the result creates a process that lengthens the time between the incident and the resolution which is anti conducive to resolution. I have previously, but will attach to this complaint as well, the notification that I received from XXXX regarding a BITCOIN purchase. ( Attachments 1 - 3 ) Immediately, I knew something was wrong with my account as I had never purchased any type of cryptocurrency. I immediately attempted to access my TD account and found that my user name and password no longer worked. I then called TDs Customer Service. As I mentioned in earlier complaints I had a friend, XXXX XXXX, visiting that weekend and only just confirmed with her that she overheard this conversation with customer service. I explained the notification, that I was unable to access the account and that only my voice, via their voice recognition technology, was the only means available to identify myself. He assured me that in the circumstances that met the requirement for identity verification. Because my account access had been altered and I had no access to my account I asked that the account be frozen until I could present myself at the bank with identification. During the last investigation TD Bank informed me that frozen is not a term that they use and that that word would not trigger any action to my account. I found that odd as Ive heard that term in relation to banking all my life, but accepted the explanation but wondered why, given that fraud had been identified, that numerous changes to my account had been made after my access was removed and fraud was still occurring why the agent would assure me that no further transactions would occur if he was unfamiliar with the term I used and therefore uncertain what action I thought it would bring about. I would have expected that he would say we dont use the word frozen but hard stop or whatever the TD corporate substitute term would be. In any case, in going through some old paperwork over the weekend I came across a copy of a check that had been returned unpaid to my TD account with frozen account indicated as the reason for return ( see attachments 4A and 4B ). Which brought me back to make one final complaint through the CFPB. Should this complaint fail to bring an end to this nightmare and since the CFPB lacks any further avenue of appeal I will have no choice but to take the matter to litigation. As I have witnesses, documentary evidence, evidence of other fraud committing using my identity dating from this same breach of my bank account I can not imagine that any lawsuit would be successful. In fact, I can not for the life of me understand why it has gone on this long and then I will have no choice but to take the matter to court. Those are the facts concerning the discovery of the fraud and my actions to stop the unauthorized use of the card immediately upon the receipt of information which indicated fraud had been or was in the process of being committed. I can not explain why my bank let these imposters change all of the access and alerts to my account and after being informed of the fraudulent use, continued to let these individuals override any attempt by myself to block them from doing so. To me, the changes and the overrides support my claim of fraud beyond all doubt, but yet TD continues to deny my claim. It appears that they do not want to accept that I phoned their customer service immediately and used every means available to me to stop any further fraud and they failed to take appropriate action or allowed themselves to also be conned by allowing the fraudsters to override my requests. However, continuing to cause harm to myself is unacceptable and I will proceed to court should this last attempt to resolve the matter be unsuccessful. Finally, it is essential that I have TDs decision reversed so that I can turn to addressing the rest of the fraud resulting from my personal information being breached by fraudsters. Until I am able to have this account activity deemed fraudulent I am greatly hindered proving the continued fraud and identity theft. Because this activity continues to this day I can not and will not let this matter drop no matter how weary I am of dealing with it. Hopefully, this complaint will reach someone who will address my valid complaint for fraud which first occurred with my TD Checking Account in XX/XX/2021.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited XXXX in my account with TD bank on XXXX XXXX at XXXX XXXX XXXX Which is a TD Bank Branch . On XXXX XXXX my account went into a negative for XXXX stating that the owe TD Bank this even though I have 4 receipts from TD Bank ATM machines. They have continually declined my claims, Stating that the money I deposited was not counted for. This is my first experience TD Bank.
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This Target credit card account was paid off but is still showing open and more than the original credit limit.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had got notification that a td beyond checking account was opened in my name on XX/XX/. I never went in or asked anyone to open an account in my name. I was calling the given number to get this issue corrected. Only thing I got was automated voice. Today I decided to go to any Td bank to find out what was going on. First I went to the TD bank in XXXX XXXXXXXX. I ask the service guy about the account and that I did not open one up. I then showed my id and social and asked him could he give me a printout. When I received the printout it had an outdated address. He refered me to one of the managers, I talked to him for awhile. He told me where the account was opened up at. I was told the TD bank on XXXX XXXX in XXXX XXXX. I asked him should I go talk to them. Hw said yes, he gave me the address. I went to the XXXX XXXX branch location calm and collected. Since I walked through the door I was treated like I wasn't welcomed. The young lady ask me what I was there for, I told her I was there because it was fraudulent activity on a account with my name on it that I never physically open up. The young lady had I guess an attitude she said I would have to go to the police station and file a report, which I did. The officer gave me a card with a case number on it. He told me to tell the bank to call him, it would be handled. I drove back to the bank location and handed the young lady the card after waiting for 25 minutes while both bank teller was talking to a customer about football. Notice I am a minority, was or did I feel discrimination existed? Of course but that is besides the point. I asked the lady numerous times could I get a printout of transactions, she gave me the runaround with tons of excuses. I left got home and called the Branch Manager, which got even more awkward. He act like he didn't care. I told him I went to the station. I was trying to see who open these accounts and how could someone come in their branch with my identity, even though I did have my id, and social security card stolen a while back during an home invasion it's all documented and reported. How can someone open an account who does NOT!!! LOOK LIKE ME? I tried to reason with these people but they act like they are hiding something or getting high. I want to know exactly who open the account in my name and I would definitely like to pursue charges. They branch manager lied and said a family member opened up an account in my name. Why would he say that? Why they been didn't say anything. Also if that was the case which it isn't. Why would they let anyone open an account in person without me? Sounds suspicious. He was like the account closed, that's not good enough I want to know who is opening accounts in my name and why
Company Response:
State: SC
Zip: 29205
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A