Date Received: 2022-12-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter in the mail from XXXX XXXX regarding an account that was fraudulently open under my name. I called XXXX XXXX the first week of XXXX immediately when I found out and reported this account was fraudulently and I didnt not make that purchase. They told me I would be receiving a resolution within 30 days confirmation XXXX. I didn't received anything from them. It turns out a XXXX statement mailed to my house showed another purchase made with this account within XXXX weeks of the first purchase. I called them again on XX/XX/22 and they told me they would put a hold on the account and send me an affidavit to sign disputing the charges confirmation XXXX. Its XX/XX/22 and still haven't received anything. I receive a XXXX statement on XX/XX/22 from this company. The charges still haven't been removed but reinstated. They still have not sent me any paperwork to remove this account. I really need help getting this account closed and taken off my credit report. I have no idea how they even opened this account. If the statement was never sent to my house I would have never known this account was open under my name.
Company Response:
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had an alert from TD financial on XX/XX/2022 and they had no knowledge at the time. Today on XX/XX/2022 a new address came up, and I called XXXX and transition, and they said that it is linked to the TD financial account. XXXX said that I needed to file a complaint with trade commission, and they have requested to remove the address from my credit.
Company Response:
State: TX
Zip: 797XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I financed a XXXX XXXX through their finance company - TD retail card services. I was charged a monthly fee for insurance, which would continue after I had paid off the phone. I paid off the phone and the {$11.00} XXXX XXXX charge, with the {$1.00} sales tax ( I think this is fraud also ) added for {$13.00} a month. According to XXXX, that would be for a maximum of 36 months. I got an email from XXXX stating the subscription order was cancelled due to reaching 36 months and all subsequent auto renewal orders were cancelled. So I did not pay the XXXX due in XXXX, for XXXX insurance on the phone. then I got calls- XXXX a day, to pay that XXXX. I logged in to my account XX/XX/2022 stating the above and to remove the late charges and the XXXX charge for XXXX and XX/XX/2022. Payment phone calls keep coming. They did not remove it. I contacted XXXX saturday, XX/XX/2022. the rep told me it was cancelled. I told him it was not, because I was getting about XXXX calls a day for payment. He said he would send it to the back office. I got no reference number - I was driving. I called again tonight, Monday XX/XX/2022, to see if it had been resolved. I was told XXXX ) it was cancelled for me by the rep again XXXX ) I had to pay the charges on the card with late fees etc are now probably closer to {$80.00} and XXXX ) no reference number for my issue. I told her the charges needed to be reversed and the late fees taken off, I was not going to pay those fraudulent charges. She said I had no choice, they would not reverse those charges. The XXXX number i had called- referred from chat online with XXXX XXXX is XXXX.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
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: Credit Card is charged for services which company has not provided.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XXXX***THIS IS NOT A DUPLICATE CASE**** I have called 4 days in a row and no one can assist me on my extension that I requested on XX/XX/22 - No docs ever received and they will not process my extension... .I NEED ASSISTANCE AND DOCS EMAILED ASAP!! I have waited and waited and nothing in the mail ... .ASSISTANCE NEEDED IMMEDIATELY. DO NOT CLOSE THIS AS A DUPLICATE, BECAUSE I HAVE NEVER EVER BEEN ASSISTED TO BEGIN WITH. HORRIBLE CUSTOMER SERVICE FOR A FINANCE COMPANY. I WILL REPORT THIS COMPANY TO ALL AVENUES...
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX ) and innocently lost XXXX USD of my hard-earned life savings. I advised TD Bank of this fact on XX/XX/2022. After that, I sent my reminder letter on XXXX XXXX, XXXX. Even more, I went to the local branch and called several times. After 4 months of trying to get any feedback, which I find as rude and disrespectful treatment of the client, I received a negative response.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
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: Burden of proof on a disputed card transaction belongs to the merchant. I reported a duplicate charge to TD Card Services on XX/XX/2022. The amount of the duplicate charge was for an online transaction in the amount of {$23.00}. Credit card company is delaying the credit to my account. They continue to utilize mail services to correspond and make requests for faxed documentation to me, the consumer. Every other credit card company has a simple online dispute that can be filed and credit issued within XXXX or XXXX days. I explained that the transaction is a duplicate. If I send XXXX receipt to reflect my charge of {$23.00}, this proves nothing. There is no documentation to clear a duplicate that a consumer can provide. My complaint is that TD Card Services is not following current laws in providing immediate credit to my account. Consumer does not have the burden of proof in this situation.
Company Response:
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My name is XXXX XXXX XXXX. On XX/XX/2022, when I was working in the office in XXXX, XXXX around XXXX, I tried to call my son, however, the phone lost connection, I can't make any phone calls nor text messages. After work around XXXX, I went to XXXX store to fix my phone. The representative in XXXX said someone used your fake ID to take my phone line. After my phone got fixed, I called TD Bank immediately ( around XXXX ) about my banking accounts. At that time I found out I lost all my money and the bank specialist transferred my call to fraud department within the bank. They said there were three withdraws, {$9000.00}, {$5000.00} & {$8500.00} from my account XXXX on XXXX XXXX, 2022, two of them in XXXX, XXXX XXXX and one in another location in XXXX XXXX On XXXX XXXX one withdraw {$4000.00} from my account XXXX in XXXX XXXX XXXX XXXX XXXX all of those withdraws without my authorization. I filed the affidavit report on the next day at TD bank located in XXXX XXXX XXXX, XXXX XXXX. XX/XX/2022. I was working in XXXX XXXX not in XXXX XXXX nor XXXX XXXX on those days. I did not authorize those cash withdraws. On XX/XX/XXXX, I found out someone used my identity to open a credit card in XXXX XXXX, located in XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, which I never authorized. I was in XXXX working in the whole time, did not go to those places. At the same day of XXXX, I call all credit bureaus to freeze my accounts, credit bureau included XXXX, XXXX and XXXX. I filed a police report on XX/XX/2022.
Company Response:
State: ME
Zip: 04330
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My husband and I need to get off this CREDIT FREEZE SOME OF THE REPORTED CREDITS ON FILE ARE INACCURATE
Company Response:
State: NM
Zip: 873XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FCRA Violation credit card not mine TD BANK XXXXTARGET XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK XXXX XXXX XXXX XXXX FCRA Violation credit card payments not late XXXX XXXX FCRA Violation other loans not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FCRA Violation hard inquiries not mine 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 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 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 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 XXXX FCRA Violation collections not mine XXXX XXXX A FCRA Violation installment not mine XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation personal information not mine XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A