Date Received: 2022-12-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: TD Bank hired a lawyer to garnish {$2800.00} on XX/XX/2022 from my XXXX XXXX where no funds were available. Now over drafts are generating from a negative account. I had absolutely no communication with TD Bank and their lawyers. I was not informed of a lawsuit against me nor was served with any court case.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit Reporting act this company 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have been served. Sued without properly notifying me. I was making on time payments. When I made partial payments, XXXX sent those payment back to me. Per the last statement dated XX/XX/2019 that was attached to the Citation, it states " your account has been charged off. This is your final statement ''.
Company Response:
State: TX
Zip: 75702
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX I sent Billing Error Notice to TD Finance Company. The noticed informed the following. As of to date TD Auto Finance has failed to respond to fraud committed in this agreement. Notice of Billing Error To : TD Auto Finance Re : Fraudulent contract via XXXX Loan/Account # XXXX The referenced account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. I am not liable for the debt. I want my money back. I want to cancel the agreement. We entered into an agreement not contract with TD Auto Finance. The agreement is in violation of Truth in Lending Act Regulation Z which included a finance charge. Finance charge is on money given and not credit transactions. TD Auto Finance committed predatory lending in a consumer transaction under Regulation Z. The Rescission notice is made Pursuant to 15 U.S code 1635 ( a ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, TD Auto Finance failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my rights of rescission. XXXX of XXXX XXXX on behalf of TD Auto Finance accepted a CASH down payment violating 15 U.S. code 1605 which clearly states the finance charge does not include charges of a type payable in a comparable cash transaction. XXXX XXXX XXXX has intentionally withheld pertinent information to complete the sale with the purchase of our XXXX XXXX XXXX XXXX. There are many fees within this finance charge that are in violation of 15 USC 1605. I, XXXX XXXX participated in a consumer credit transaction and not a loan pursuant to 15 U.S. code 1602 ( i ) Take further notice that pursuant to 15 U.S. code 1605 the finance charge is in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC. I did not sign any contract where I received COMPLETE DISCLOSURE AND EQUAL CONSIDERATION. If I did, it was UNKNOWINGLY, INVOLUNTARIY AND UNINTENTIONAL. Cease and desist all collection activities and have all consumer reporting agencies delete this account from their reports. If you do not remove this information, your company will be committing fraud, not preserving my rights, and will be fined {$5000.00} : CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )
Company Response:
State: GA
Zip: 30132
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: 2022-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX - fathers XXXX took my money from account mom and I shared. XXXX - account is now frozen and no checking status and being accused of fraud and knowing alleged fraudulent checks are being deposited by me, given by my mother or father. Berated multiple times during phone call despite being XXXX and in a different city of father and not knowing of XXXX or what a XXXX is
Company Response:
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I revieved a lifelock alert stating that TD Bank USA/Target inquired on my XXXX credit report. I NEVER attempted to open an account. I contacted TD Bank/Target and it was confirmed that someone else attempted to open a credit card using my social security number. The email address, phone number and address however were all different. TD bank agreed to put a fraud alert on the application and not issue the card. However, I would like this followed up with to make sure. I have since put a freeze on all 3 credit files. I also would like the inquirery removed from my XXXX report.
Company Response:
State: OH
Zip: 44691
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 state I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : 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 a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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: On XX/XX/XXXX, I noticed several fraudulent charges from the car rental service XXXX. I called TD Bank, alerted them to these charges, and it was dealt with immediately. I was issued a new card, and the charges were removed. On XX/XX/XXXX, charges totaling XXXX} were transferred back on to my new card ( as a balance transfer from TD bank, though my statement shows the charges are from XXXX ). On XX/XX/XXXX, this happened again ( totaling XXXX ). I have since called numerous times and waited on hold several hours with no resolution. I have opened two separate investigations via TD bank, the most recent of which was closed XX/XX/XXXX with no resolution. One representative told me, " sometimes this happens, maybe you should call XXXX '' and offered me no other recourse. My most recent experience lead a representative to file another internal investigation to try and get some answers. From what I gather by piecing together varying information from these calls is that the balance transfer was simply to balance out a credit I had received for the original fraudulent charges. However, the charges to my card never posted because they were caught in time, and I never received nor needed to receive a credit for them. I have a letter from TD Bank stating that the charges never posted, and no action was needed to remove the charges. My statements from the past two months verify that I never received a credit, and it simply appears that XXXX charged my old card a total of XXXX. Unfortunately, TD Bank seems to have deemed this matter " closed '' and does not seem willing to investigate further ( pending the results of my last call ). I am not sure how to proceed to get these charges removed.
Company Response:
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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: I am filling a complaint with Target Red Card. I have been a client since 2014 and I have always paid my bill on a timely manner. If I am using my bank account to pay my bill on or before the due date it is out of my control if it's late. Also If I make a payment in the store and it does not go through on the date it's due that is out of my control also. This has happened more than once and I have to keep calling them to remind them of this situation but they still consider it a late fee. They also did not correct or credit all my returns from last year and this year back to my credit card. I should have at least {$1000.00} on my credit including all the payments I made. Everytime I call them about this situation or problem they are rude and disrespectful and do not want to correct the problem they made on my account they hang up on me when I asked to speak to a supervisor and sometimes the supervisor is rude and hangs up to. I would like them to credit all the returns and fix my available credit on my credit card. They know they screwed up on my account.
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A