Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It has been brough to my attention that there are inquiries that I dont recognize and didnt authorize XXXX XXXX XXXX XXXX ) XX/XX/2021 TD AUTO FINANCE ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XX/XX/2023 I flew to Colorado to purchase a used vehicle. I did not request or authorize additional inquires for financing. I had already received proof of approval and submitted the deposit on XX/XX/2023. The finance manager did not realize that had already been done and proceeded to mass request approval for an auto loan. XXXX notified me of the attempts and I immediately brought this to the attention of the person who was selling me the vehicle and he put a stop to it. Since the XXXX of XX/XX/2023 I have been in regular contact with the dealership I purchased the vehicle through, The auto loan financing company 's they submitted to and the credit bureaus themselves. Each of them is stating it is the others responsibility to have it removed. XXXX XXXXXXXX XXXX states they have no record of it yet they are appearing on my XXXX account. XXXX XXXX has submitted a dispute and TD auto finance has not responded to me. There are several more company 's appearing on my credit reports that have not sent me anything via physical or electronic mail stating they ran my information for an auto loan inquiry. The dealership requested these inquiries without my approval, direction or knowledge. After the fact they informed me they were ONLY soft inquires which was a blatant lie. I am requesting assistance in insuring the immediate removal of these unauthorized inquires.
Company Response:
State: AK
Zip: 99801
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I am writing to address an issue I encountered with the Target/TD Bank autopay system. In XX/XX/2023, I attempted to sign up for autopay using my main email address, but the system indicated that the email was already linked to an account that was closed last year due to nonuse. I followed the system 's instructions to retrieve my password and set up autopay for my current account. However, despite successfully setting up autopay, I received a notice in XX/XX/2023 that my account was past due. After calling Target Red Card, I learned that the autopay I had set up was canceled without my knowledge. I was told that it was linked to the old account that Target previously closed for nonuse and that I needed to manually cancel the old account and link the new one to my email and set up autopay again. The system had canceled my autopay without generating any notification via text, mail, phone call, or otherwise. Additionally, I would like to note that I recently moved to a new address and updated my information with Target at that time. It is possible that the system may have been confused by this change, but it would be expected for Target/ TD Bank to have processes in place to ensure that customer information is updated accurately and in a timely manner, especially when dealing with matters that affect people 's credit. During the phone calls with Target, the associate I spoke with confirmed that autopay was in fact enrolled for my account. However, I later discovered that the autopay had been canceled without my knowledge or consent. Furthermore, it appears that there are issues with closing my old account and not closing the online portion of it, which has caused further confusion and frustration. I believe that TD Bank 's handling of this matter may have infringed on several consumer protection laws, including : The Truth in Lending Act, which requires lenders to disclose information about their loan products, including any fees, interest rates, and other terms. The Electronic Fund Transfer Act, which regulates electronic fund transfers, including automatic bill payments, and requires banks to investigate and correct errors in a timely manner. The Fair Credit Reporting Act, which requires credit reporting agencies and lenders to maintain accurate and up-to-date consumer credit reports. I would like to request that TD Bank take immediate action to correct damaging reports on my credit report. Thank you for looking into this matter.
Company Response:
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: an account XXXX is XXXX balance on my credit report with all 3 bears but I paid it in a settlement I have proof that it is was Paid for you are in direct violation of the fair credit reporting act has violated several of my rights. 15 U.S.C 1681 section 602 A clearly states that I have the right to privacy. 15 U.S.C 1681604A section2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as later any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have reached to this company multiple times advising them that a debt they charged off doesn't belong to me. I also asked the credit bureau to investigate they didnt show me any results, they basically cited verified I asked for a copy of the investigation report and I didnt receive one, they also gave me an update within 3 days how can you investigate that fast without proper verification. I asked for the following detail 1. Please provide me with a copy of a signed contract 2. Pay off disclosure 3. Interest rate disclosure 4. Date opened 5. Balance history 6. Payment history 7. Date of last payment
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am receiving calls from a " process server '' at ( XXXX ) XXXX wanting to verify information to serve papers regarding a pending law suit. I was directed to call ( XXXX ) XXXX with a case # XXXX. I spoke with a gentleman that claimed a law suit was being filed against me by TD Bank regarding a XXXX XXXX XXXX account that was opened in XXXX. He stated the law firms name is XXXX, XXXX, XXXX XXXX. The account they are referring to subsequently went into collections and was settled/paid in XXXX. However, they are claiming that I'm being sued for breach of contract, and that I owe {$3200.00}. After asking multiple questions including which county the suit was being filled, they refused to give me any additional information, and told me to stop calling back.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX of XXXX I made an uninformed decision when I entered into this consumer credit transaction with XXXX XXXX XXXX. The seller transferred my rights to TD AUTO FINANCE without disclosure of pertinent facts and understanding of intent, my right to rescind, delivery of information and rescission forms and the informed use of credit, along with other material disclosures that caused damage and injury, theft of property, billing errors, loss of earing 's, invasion of privacy and damage to the reputation of the consumer. As stated in ( 15 U.S. Code 1601 ( a ) the informed use of credit results from an awareness of cost thereof by consumers, it is the purpose of the subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. TD AUTO FINANCE use my information to deceive and deprive me of money proceeds and property. ( 15 U.S. Code 1602 definitions and rules of construction ) ( k ) adequate notice of ( n ) cardholder ( I ) credit card and ( p ) unauthorized use of credit card : means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Credit card : means is used to obtain money, property or services, are the subject of the transaction and primarily for personal family, or household purpose. ( n ) cardholder : means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( k ) Adequate notice : means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. My credit card is used to obtain money, property or services, the value of my principal dwelling which secures any out standing balance. The seller-creditor XXXX XXXX XXXX assigned and transferred my rights to TD AUTO FINANCE without given me disclosure of pertinent facts of understanding and intent. TD AUTO FIANANCE gave my Purchase money loan to XXXX XXXX XXXX, which it is my right to receive as the consumer, That is a violation of a consumer credit transaction. TD AUTO FINANCE please provide me with your account ledgers and both Consumer Credit Contract, Master Credit Agreement to clarify these fact. ( 12 CFR 360. 6 ( 2 ) Treatment of a financial asset transferred in connection with a securitization or participation. ( 2 ) Financial asset : means cash or a contract or instrument that contractual right to receive cash or another financial instrument from another entity ) ( 45 U.S. Code 821 ) means an agreement to make 1 or more direct loans or loan guarantees at future dates for a program of related projects on terms acceptable to the Secretary. The Master Credit Agreement, Consumer Credit Contract are financial asset that provide proceeds in which me the consumer have been deprived and deceived of such money and proceeds. TD AUTO FINANCE never credited my account for the value they have received in the financial asset, ( stated in FTCA ) the purchase money loan is a cash advance which is received by a consumer in return for a " finance charge '' with the meaning of the Truth in Lending Act and Regulation Z, to shop the various credit terms that could've been presented and offered to me and avoided the uninformed use of credit, inaccurate and unfair credit billing invasion of privacy, theft of property and loss of earnings do to creditors misconduct and negligence. The FDCPA talks about abusive practices ( 15 U.S. Code 1692 ) ( a ) Congressional findings and declaration of purpose ). ( a ) Congress said there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy, furnishing certain deceptive forms to give false belief to a consumer to pay a debt that doesn't exist when the creditor is the one owing a debt to the consumer. 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. ( Every violation that's made clear is blatant and willfully when you know by law the purpose of a consumer credit transaction and what it produces for the consumer. It's not a mere assumption as code provide rule of law. TD AUTO FINANCE are well informed of the premiums that are written in connection with this consumer credit transaction. Such as credit life, accident and heath insurance against loss of or damage to property or against liability arising out of the ownership or use of property, all shall be included in the finance charge, though my property was taken/stolen without my permission when clearly it has been paid for already. ( 15 U.S. Code 1605 ( a ) ( 5 ) ( b ) ''finance charge '' defined ) Which is the sum of all charges also not disclosure to me, which is payable by the person to whom credit is extended from my credit card. The creditor also failed to provide me with the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required. which is one of many violation and my reason for rescinding this agreement. The FTCA address this matter also, the Commission determined that it constitutes an unfair and deceptive practice for a seller in the course of financing a consumer purchase of goods or services, to employ procedures which make the consumer 's duty to pay independent of the sellers duty to fulfill his obligations. ( 15 U.S. Code 1692i - Legal actions by debt collectors ) ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. I reside with in my flesh, that is my abode. please return my all property, money and proceeds or i will take the next step necessary and provide the accounting ledger. THANK YOU
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: About 1 month ago I visited my TD Bank branch in XXXX, NJ to close my account. I was told it could only be done if the balance was XXXX. I withdrew all my money to bring the account to zero. Then I was told that there was a transaction pending and they could not close the account. Then I noticed the transaction went through with an added {$35.00} overdraft fee. I paid the amount to being the account to zero, but the account still was not closed. Other charges came through, each with the added overdraft fees. Im traveling, so I made a transfer from my new account with another bank and my husband went to the branch in person to pay any additional charges and close the account. They promised the account would be closed within 24 hrs. Today I checked and the account is not only not closed but Im again overdrawn nearly {$800.00}. I cant get rid of the account and they keep legally extorting fees from me. I dont know what else to do. Im trying to organize payments from the new account, but I cant afford double payments nor to continue to pay TD for a situation they created and are profiting from. I consider these new charges to an account that should have been closed to be unauthorized and fraudulent. Can you please help to get the account closed?
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I tried to make a purchase using my account and was told by the retailer that I was on a hold with the bank and they transferred me to the bank. Bank originally said my account was suspended pending review, I asked repeatedly why it was being review without receiving an answer. I asked to be transferred to a supervisor, who then informed me that the account was actually closed. I asked why it was closed and I was told it was fraud. They stated that I had been sent a letter informing me of the fraud, and that it was closed because I hadn't replied to the letter. I was also told that in order to make the purchase, I needed to reapply and open a new account. I then asked to speak with the complaint department, and instead was sent to a different customer service person who reiterated the exact same information. Nobody at any point was able to tell me why it was closed other than " fraud '', and nobody had any more information. I was told that it was handled by a different department. I asked to be transferred to that department, but was told they were unable to transfer there. I then asked if they had a phone number I could call, but they said they did not. There was no way to contact the department that supposedly make the decisions to close accounts. I then was transferred again, this time to the complaint department after requesting to speak to them. They took my information, and I asked why I hadn't received a phone call. They stated that they sent one letter in XXXX, and then closed my account today. ( which I pointed out is very coincidental considering I was trying to use my card today for the first time ) I am complaining because I only had one attempted contact, via mail, which I never received. They then closed my account with no notice, and no other attempts to contact me by phone or email.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: When I started receiving my SSI benefits from 2010, about XXXX $ was withdrawn from XXXX XXXXXXXX XXXX AT a ATM IN XXXX XXXX XXXX XXXXXXXX Location, at that time I was with TD bank???? Due to a lump sum from SSI benefits.
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A