Date Received: 2023-01-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022, I received via USPS letter from XXXX 's dated XX/XX/2022 that stated my credit application has been denied. Next day I received a letter via USPS from XXXX XXXX XXXX stating the same. I filed neither of these applications. Then I called the three credit agencies and verbally communicated these facts and asked to take these actions/inquiries off my credit history and established credit alert and security freeze. I was told to submit a police report, which I filed and submitted to XXXX today, ( via postal mail ), and, now am filing with FTC ( via CFPB ) here as per instruction by XXXX.
Company Response:
State: CA
Zip: 94530
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing XXXX that I was a victim of identity theft. XXXX is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. XXXX has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK N.A. XXXX Date Opened : XX/XX/2020 Balance : {$5900.00}
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i dispute the Validity of this debit, i've never done business with XXXX
Company Response:
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Numerous check were cashed using same day cash method at multiple TD bank locations just south of XXXX RI posing as me. It wasn't until the 3rd attempt to cash the check that a teller discovered an outdated FL license that was used as ID that did not match the current account address. The the teller added a note suspecting fraud and account take over. No further action was taken. Client ( myself ) was not notified of suspected fraud at any point. It wasn't until the first 4 checks that were successfully cashed and bounced that there was any indication of fraud. No check cash, deposit, takeout was ever noted within account or to the customer until funds were removed from the account almost two weeks after first check due to a " Deposit Check Return '' - essentially a bad check and the bank took the funds that were cashed out from the account. Event Timeline from talking with multiple TDBank associates, local and phone : XX/XX/XXXX - Two fraudulent checks cashed at XXXX, RI TDBank branch for {$2400.00} each. Checks were signed on back with SS # indicated. XX/XX/XXXX - Two fraudulent checks cashed at XXXX, RI TDBank branch for {$2100.00} each. Checks were signed on back with SS # indicated. XX/XX/XXXX - Two fraudulent check attempted to be cashed, unknown amount. Teller put note about transaction as " Potential Account Takeover Fraud ''. XX/XX/XXXX - " deposit check return '' with multiple debits associated with account that posted on XX/XX/XXXX in the amount of - {$2400.00}, - {$2400.00}, - {$2100.00}, - {$2100.00}. No other indication of deposited fund were ever associated with check - likely cashed on spot at first two locations with Teller missing multiple red flags including bank that doesn't exist in XXXX, " Company '' that issued the check with address in RI that doesn't exist, account number associated with checks that showed no activity of any transaction in the previous two years. XX/XX/XXXX - Noticed unusual activity resulting from " deposit check return '' with multiple debits associated with account that posted on XX/XX/XXXX in the amount of - {$2400.00}, - {$2400.00}, - {$2100.00}, - {$2100.00}. Contacted TDBank Fraud department and reported incident who confirmed fraudulent activity. Suggested signing Affidavit of Forgery, closing account and opening new. XX/XX/XXXX - Went to local TDBank to sign Affidavit of Forgery where it was noted that the third attempt was declined and flagged due to drivers license not matching account. Received copies of check that were cashed In total, {$9100.00} were removed from account due to bad checks that issued cash at brick and mortar branch locations over XXXX miles away from current address on file and XXXX miles away from " home address '' indicated on cashed check and likely on fraudulent FL drivers license that hasn't been a current address in over 10 years. It was a failure of security on multiple levels that include not adequately identifying client based on current information within their system, having no indication of account activity from cashed checks within account both online and statements, not reporting suspected fraudulent activity to client when suspected.
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: CFPB + XXXX, In a recent check of my mail I see there is a collection account from XXXX saying I owe a debt that I do not recognize. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed XXXX of bill showing last default date XXXX that the debt is valid and collectible and within the statute of limitations for this state XXXX that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address Your mailed letter This letter
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: MY TD CREDIT CARD WAS HACKED. I CALLED TD AND THEY SAID THEY ARE SENDING ME TO DISPUTE AND WILL CANCEL THE CARD I WAS TOLD A NEW CARD WOULD BE SENT TO MY HOUSE BUT TWO DAYS LATER WHEN I CHECKED MY CARD I NOTICED MORE MONEY WAS TAKEN OUT. I CALLED TD ONCE AGAIN AND WAS TRETED DREADFULLY AND WHEN I WAS SENT TO FRAUD THE PERON IN THAT DEPARTMENT SAID MY GOODNESS YOU WERE HACKED WHILE THE CARD WAS IN TD 'S POSSESSION. IASKED THEM WHEN WOULD I GET MY MONEY THEY SAID IF ITS PROVEN A FRAUD THEN PERHAPS IM60 DAYS THEY WILL DECIDE TODAY I RECEIVED A LETTER FROM TD DENYING THE FRAUD
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, # XXXX, XXXX XXXX XXXX account titled University of XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 90260
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I recently received a letter from XXXX stating that a credit card for their store was opened up in my name. I never applied for the card. I called the company and they said a block was put on the card. I asked them to cancel the card and the lady helped me out with how to proceed with the process. they were able to access a card by having my phone number and my social security, No charges were made on the card because theyre was a security hold put on it.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Below is what transpired between myself and XXXX retail card services I sent to Customer Service Department : This is the XXXX letter I am sending to you, my final attempt to resolve this issue with your company. I will also be sending all of this information to the Better Business Bureau as well as my credit reporting agency. As I previously outlined, every charge you have applied since XXXX XXXX, XXXX has been incorrect on your part. Called XXXX XXXX to cancel XXXX XXXX on XXXX XXXX, XXXX after final payment was made on the phone on XXXX XXXX, XXXX. I was told the account was closed and I would still owe the {$23.00} because I should have seen it on my bill and therefore was my responsibility. I paid the * {$23.00} on XXXX XXXX, XXXX and my XX/XX/XXXX bill shows a {$0.00} balance. Called XXXX XXXX, XXXX to try to cancel the XXXX XXXX account AGAIN, after being charged {$11.00} XXXX XXXX, XXXX and again on XXXX XXXX, XXXX. My XXXX statement shows that I paid {$95.00}, which was the refund XXXX provide for the previous XXXX months of XXXX XXXX charges that were billed to us after we cancelled the program. These were credited to my account on XXXX XXXX, XXXX. At this point my balance was negative, meaning XXXX owed me a check for {$47.00}. I was charged the {$11.00} AGAIN on XXXX XXXX, XXXX!!!! I was charged {$11.00} on XXXX XXXX, XXXX and * {$23.00} credit balance refund. In XX/XX/XXXX I was showing a balance due of {$35.00}, even though I owed {$0.00} as detailed above. I paid the {$35.00} on XXXX XXXX, XXXX, check # XXXX in hopes of FINALLY closing this out once and for all. I continue to be harassed by your company, charged fraudulent charges and wrote a detailed letter on XXXX XXXX, XXXX to try to resolve this. I got no response to my letter other than a letter from XXXX XXXX on XXXX XXXX, XXXX stating you are sending this balance to collections! I have tried to resolve this, I have paid more money than I actually owed you to try to close this out, none of which were successful. If you send this to a collection agency, I will be forced to report you to the Better Business Bureau and file a formal complaint for harassment and fraud with my attorney. Just because this has wasted so much of my time, caused me so much frustration, I am willing to spend my money on attorney to stop you. Please advise as how you would like to proceed. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am now trying to buy a home and this showed up on my Crdit history. This company should be held accountable for doing this. If they are doing it to me they are doing this to many and getting away with it. Please Help, kind regards
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2022 I was sent an email from TD Bank advising that I opened a TD Beyond Checking account number ending in : XXXX. I immediately called the business on XX/XX/2022 at XXXX to advise that I do not recognize opening this account. I was asked for my mailing address to send me to a confirmation letter. However ; almost three months later I never received any letter. I have attached a copy of the email that was sent to me by TD Bank to email address : XXXX.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A