Date Received: 2023-03-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with TD Bank since early XXXX to facilitate a mortgage modification in conjunction with my bankruptcy filing. On XX/XX/XXXX, TD notified us that the modification was approved and provided the new loan terms, indicating that the new monthly payment of {$1700.00} would begin on XX/XX/XXXX, and the loan term would be extended for a period of XXXX XXXX XXXX XXXX months. Pursuant to this agreement, I have made timely payments in the above referenced amount for all months in an effort to keep the account current. In XXXX, XXXX, we were advised that in order to complete & finalize the modification process, a signature was necessary on a single-page document which was mailed to us. I learned that TD Bank mailed this document to my bankruptcy attorney, rather than directly to me, as they stated. I went to my bankruptcy attorneys office, signed the paper, and it was sent by fax to TD Bank. After sometime of not hearing back from TD Bank, I called on XX/XX/XXXX to follow up and confirm the modification was finalized. I was told that the fax transmission of the page we sent was illegible, and was asked to resend the single page document via email. This document was sent to TD Bank via email on XX/XX/XXXX. On XX/XX/XXXX I called TD Bank, and they verbally confirmed that the modification agreement was received and is processing. I continued to make monthly payments in accordance with the modification agreement. Between XXXX, XXXX and the date of this complaint, I would periodically reach out to TD Bank to confirm the finalization of the modification. This included both phone calls as well as email correspondence. We were repeatedly told that the modification agreement is processing, with no indication of any issues whatsoever. In XX/XX/XXXX, a representative at TD Bank informed me that due to the single page modification agreement not being received within an arbitrary 30-day window, the modification process has been halted/withdrawn. Despite my efforts, I have been unable to receive any clarity whatsoever on how or why this happened, since I followed TD Banks instructions through all times in this process and have worked extremely hard to keep the account current.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Recently, I did an investigation on my credit report which caused XXXX XXXX and anxiety upon me. Additionally, I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S.C. 1681g ( b ) and 15 U. S. code 15 U.S.C. 1681g i ( 5 ) These accounts are in violation of number 100 % accurate. The credit reporting agency stated that these accounts were properly investigated and came back as verified. However, is this true when there are several inaccuracies showing on my report? The address XXXX XXXX XXXX XXXX XXXX IL is not my address and I have never lived there. In addition to this, the phone number connected to this fraudulent accounting does not and has never belonged to me. As a consumer, I request to know all the steps the Agency took to ensure these items were 100 % accurate under FCRA 15 U.S.C. 1681i ( 7 ) Method of verification- Description of the reinvestigation procedure. In addition I am demanding this be removed and deleted from my report immediately.
Company Response:
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I WENT AND CHECKED MY CREDIT REPORT AND I SEEN THESE INQUIRY ON REORT THAT I DID NOT DO AND HAVE NO KNOWLEDGE OF I HAVE IDENTITY THEFT ON MY REPORT AND THEY ARE SUPPOSE TO CALL TO VERIFY THAT IT IS ME AND NO ONE CALLED AT ALL Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Department, variety, local, regional, and national chains Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Company Response:
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have had to credit cards opened up in my name. Target and XXXX XXXX XXXX. Both have been cancelled.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Bank is refusing to dispute and credit for transactions, per card holder agreement. Bank is causing the plaintiff personal and professional damages and life-threatening medical complications. Account holders are released of all liability for matters involving the bank and any direct or indirect events that may arise.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX ACCT XXXX. I spoke with XXXX and she said items were mailed to XXXX XXXX. I have never lived there. The company refuses to remove the charges in excess of {$1200.00} from my report. The charge is fraudulent.
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX Notified by XXXX credit monitoring of a hard credit inquiry by XXXX XXXX XXXX I did not authorize. XXXX by XXXX XXXX monitoring of a hard credit XXXXnquiry by TD Retail Card Services -- I did not authorize . XXXXNotified by Postal Carrier that an address change request was received for Washington State, I did not authorize and have not moved. XXXX Contacted Post Office and took identification to verify my identity and stopped address change. XXXX Contacted XXXX and did a dispute of the credit inquiries and then have been removed. Added additional credit monitoring of my credit report.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 at approximately XXXX, I, XXXX XXXX came into TD Bank located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to add XXXX XXXX onto my account. We presented all requested and required documents and signed all documents. On XXXX XXXX a domestic wire was submitted to the account name of XXXX XXXX and XXXX XXXX ( what is should be since XXXX was added ) but it was rejected because it TD bank stated it had the wrong name on the account. This rejection of the wire was due to the bank employee at the XXXX, nj location, not processing the necessary paperwork almost month earlier to add XXXX XXXX to the account. I reached out to the bank and they found all the documents and added XXXX XXXX to the account and then asked us to resubmit the wire. We were buying a house out of state in XXXX XXXX, XXXXthe next day. Unfortunately, the wire did not clear in time for our depart to go to our closing. I contacted the bank to see if we can do a wire transfer over the phone or if they can forward a cashiers check, but to no avail. The title company also requested a cashier check via XXXX but to no avail. The issue is, we would have had the money for closing on the property had TD Bank not rejected the incoming wire due to their employee negligence of failing to add XXXX XXXX. This has cost an extreme burden and hardship as we stand to possible lose our home as well as the additional money to fly and lodge to go to the bank and do the wire in person. The banks solution to their negligence is for me to fly to another state that has a td bank and do the wire transfer in person.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In XXXX of XXXX I became XXXX and only recently was properly diagnosed, after being diagnosed with XXXX XXXX. I have been slowly recovering only in the past few week, though I will not fully and live in great pain. I'm in my early XXXX and am in school. I had dept on a credit card with TD bank that I was unable to address until XXXX. I did attempt to touch base with TD bank at least 3 times a month from XXXX ( when I was able to make a payment by depleting my savings ) to XXXX. But I was unsuccessful and any time I tried to call the line I was directed to I was automatically directed to a collections department. That department would inform me they were only the collection department for checking and saving departments. They would proceed to transfer me back to the same line, keeping me in a loop where I was unable to actually discuss my account to establish a hardship payment plan or request the interest be waived to any extent possible ( which I was directly informed was possible when I closed the account with an existing balance back in XXXX so my sole focus would be on paying the card down ). I closed the account because I had just quit my job as I couldn't type after loosing the dexterity of my hands. I sent secure message multiple time from XX/XX/XXXX to XX/XX/XXXX and received unhelpful and generic responses that seemed to indicate a lack of seriousness, inexperience, and that my messages were being skimmed not read thoroughly. Only in XXXX, maybe XXXX, when I was able to walk without sever pain and a lower risk of falling did I manage to visit a branch that was not able to help me in person and I was yet again given another number to call and transferred to multiple departments. However, I was finally able to reach a collections department that was the correct department, after months. I spoke with someone who said that I could apply for multiple payment plans but said I would have to negotiate the interest down, with no guarantee, after agreeing to a repayment plan which felt at most predatory and at least exploitative. I can't recall all aspects of the call in detail but I asked to speak with a supervisor, a request the representative informed me they were unable to accommodate. I was informed that regardless I would need certain documents to provide to TD Bank to initiate the application process for a repayment plan and was informed I could call back. I tried multiple times to reconnect with that department but no representative knew what department I was referring to and the supervisors I were told would and only could reach out to me via call back never reached out. During this, TD has been charging me late fees and interest charges surpassing XXXX XXXX dollars. Additionally, they have been reporting this as derogatory to consumer credit agencies. This feels wrong, but given how deeply I feel taken advantage of and disregarded. Especially in a way that feels adverse and in total contradiction to my rights as a consumer, I reach out to this bureau because I question the legality of this banks treatment towards me. I have reached out to this bank multiple times in good faith, even while I was fighting for my life, only to be disregarded while have my credit worthiness unjustly tarnished. They also closed the link TD checking account without any notice that no representative I've spoken to has known anything about. *Please note that this was dictated with voice recognition software and grammatical errors should be disregarded.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: reporting company 's investigation into an existing problem We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I disputed the following information below contained in the attached files with XXXX, XXXX AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORDSTROM XXXX XXXX tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A