Date Received: 2022-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An impersonator got hold of my SSN and opened a new credit card line with XXXX. The card was is a XXXX XXXX store credit card. It showed up in my credit report and Ive tried to contact the bank and XXXX to get that account out of my credit report. Despite repeated attempts nothing happened. Surprisingly, the impersonator was making all the payments until they stopped making them. XXXX reduced the credit limit on the line and now the card is balance exceeds the credit limit and payments are not coming in which is making my credit score go very low.
Company Response:
State: CA
Zip: 95126
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My mother opened this card several years ago. She put me as a card holder on this account without my acknowledgement. In XXXX I was removed from this account as I had filed bankruptcy. This credit card has never showed up on any of my credit reports. My mother passed away in XX/XX/XXXX. I contacted Target Card Services to advise them of her passing and sent a death certificate as well. Target then began sending me the bill and reporting this on my credit. When I called them they said that the account would be closed and no further action was needed. I am still receiving a bill from them in my name and this is affecting my credit report. I called them on XX/XX/XXXX to find out why, they sent me the fraud department but they were no help saying that I was responsible. I told them I would pay the bill minus the late fees since XXXX ( the month of my mothers passing. At this point I was told that they could not accept payment from me because it was included in the bankruptcy from XXXX. I am unsure what to do at this point and do not want this affecting my credit.
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have identity theft. I thought this was the place to report it. I have numerous cards and a phone account opened in my name.
Company Response:
State: CA
Zip: 94114
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022, a hard inquired showed on my credit report for a target store. This was not me. Contacting you has been my first step.
Company Response:
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2022, I made a electronic check payment to XXXX bill in the amount of in the amount of {$97.00}. On XX/XX/2022, my payroll from XXXX XXXX XXXX XXXX was posted to my checking account and the funds in the amount of {$97.00} was withdrawn from my TD bank checking account. On XX/XX/2022, my XXXX service was disconnected. I called XXXX in regards to the disconnection of my light service; I was told the check was returned. TD bank never notified me the check was returned because on XX/XX/2022 the amount of {$97.00} was withdrawn from my checking account for the XXXX bill. I was never charged overdraft fee for return check for the XXXX bill payment.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022, there was an inquiry for TD Bank XXXX XXXX XXXX XXXX XXXX card services, I learned that someone tried to use my name and social security number to open a credit line. The information the subject applying provided did not match so it was not approved. But now I have a hard inquiry on my account that I would like removed due to this fraudulent activity. I have since changed passwords that were associated with the old account they may have had access to.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: As of XX/XX/2022, TD Bank changed my savings account and started to charge a fee of XXXX dollars for transfers. I have never approved a change of my account and have never been charged the XXXX dollars. Its been close to XXXX dollars in total that they have taken from me. I would like to get that money back. I have had this account for XXXX years and only recently did they start to charge me, because of a change in my savings account that i was never made aware of.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022, I opened an account with TD Bank and attempted to fund the TD Bank account from my XXXX XXXX account with a transfer of {$1000.00}. The funds cleared from my XXXX XXXX account and after XXXX days of the funds being cleared I closed the XXXX XXXX account. However, XXXX days later ( XX/XX/2022 ) TD Bank decided to reject the funds, sending them back to where they originated ( XXXX XXXX ). Because the account was closed, XXXX automatically rejected the return and sent the funds back to TD Bank. However, the funds never reached my account at TD. I spent several hours calling both banks, the final answer I got from each bank was that they do not have the funds, they each said that the other bank had my funds. XXXX is claiming that they sent my money to TD Bank, but TD Bank is claiming that they never received my funds. I have spent countless hours going back and forth on the phone with both companies for over XXXX months. Now I have been missing {$1000.00} ( all of my savings ) for over XXXX months, and I really need my money. Neither bank has been able to help me get my funds back. I understand that there are complications when funds are returned to a closed account, but considering that everything was done electronically, it should not be this hard for the banks to figure out how to get me my money back. Both XXXX and TD Bank have failed me as a consumer.
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Complaints Filed with cfpb Submission XXXX XXXX XX/XX/XXXX ; XXXX Stated my case in an argumentative style. Response : On XX/XX/XXXX Reg E : XXXX was initially filed claiming fraud. Claim was denied for the following reasons : There were no card present attempts after card was closed by the customer. Indicating fraudster knew when the card was closed. PIN number was entered correctly on the first attempt. No indication Pin number was compromised. Upon receipt of the escalation, leadership reviewed and upheld the denial Card Present PIN used transactions occurring in between claimed fraud not being claimed indicating card in possession No closed card attempts made with card at point of sale after card was closed by the customer. Case considered closed Submission XXXX XXXX XX/XX/XXXX ; XXXX Added additional information and attached additional documentation. Did not change approach to complaint to style of argument Response : Same as to submission XXXX Submission XXXX : XX/XX/XXXX ; XXXX I didnt change my facts or assertions for this submission but I presented them in a different way after researching other consumers complaints for fraud with TD Bank, N , A which had been successful. I went back to a narrative argument and presented evidence refuting the reasons for detail point by point. Response : On XX/XX/XXXX Reg E : XXXX was initially filed claiming fraud. Claim was denied for the following reasons : There were no card present attempts after card was closed by the customer. Indicating fraudster knew when the card was closed. PIN number was entered correctly on the XXXX attempt. No indication Pin number was compromised. No closed card attempts made with card at point of sale after card was closed by the customer. Upon receipt of the escalation, leadership re-reviewed and upheld the denial Card Present PIN used transactions occurring in between claimed fraud not being claimed indicating card in possession Denial stands, case considered closed. Finally, I had managed to solicit a response that seemed to respond to my information and at last I had made progress bringing the reasons for denial down to one. I could address this issue and was hopeful believing the end was in sight at last. Submission XXXX : XX/XX/XXXX ; XXXX I submitted this last complaint to address the one remaining point of contention from TD Banks response to my last complaint. It was an assertion that my card and PIN ( it had been changed, indeed all of my information had been changed, facts well known to the bank ) were used in between the claimed fraud and non fraud. This was essentially not possible. I did not have my card. I was at home and not running around shopping. I called in and asked for my account to be closed on XXXX XXXXXX/XX/XXXX which I documented using the notification from XXXX. Either TD did not follow my instructions which is possible as I know that the fraudster removed all my fraud alerts from the account, and changed the email and phone number so that they would be contacted rather than myself regarding the account. I have no idea when this was done but again the bank is well aware this occurred and knows when it occurred. Response : On XX/XX/XXXX, the Reg-E claim ( XXXX ) was filed claiming fraud. XXXX debit card transactions provided on this dispute, totaling {$4500.00} o XXXX XXXX {$130.00} o XXXX XXXX XXXX {$8.00} o XXXX XXXX XXXX {$13.00} o XXXX XXXX XXXX {$31.00} o XXXX XXXX {$5.00} o XXXX XXXX {$15.00} o XXXX XXXX {$83.00} o XXXX XXXX XXXX {$10.00} o XXXX XXXX XXXX XXXX {$54.00} o XXXX XXXX XXXX {$69.00} o XXXX XXXXXXXX XXXX XXXXXXXX {$13.00} o XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$3.00} o XXXX XXXX XXXX {$10.00} o XXXX XXXX {$320.00} o XXXX XXXX {$130.00} XXXX XXXX XXXX {$13.00} o XXXX XXXX {$23.00} o XXXX XXXX XXXX {$16.00} o XXXX XXXX {$320.00} o XXXX XXXX XXXX {$97.00} o XXXX XXXX XXXX {$200.00} o XXXX XXXX XXXX {$200.00} o XXXX XXXX XXXX {$200.00} o XXXX XXXX XXXX {$200.00} o XXXX XXXX {$420.00} o XXXX XXXX XXXXXXXX {$500.00} o XXXXXXXX XXXX XXXX {$300.00} o XXXX XXXX {$280.00} o XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$400.00} o XXXX XXXX XXXX {$7.00} o XXXX XXXX XXXX {$4.00} On XX/XX/XXXX XXXX XXXX : XXXX claim was denied for the following reasons : There were no card present attempts after card was closed by the customer. Indicating fraudster knew when the card was closed. PIN number was entered correctly on the XXXX attempt. No indication Pin number was compromised. No closed card attempts made with card at point of sale after card was closed by the customer. Upon receipt of the escalation, leadership re-reviewed and upheld the denial Card Present PIN used transactions occurring in between claimed fraud not being claimed indicating card in possession Denial stands, case considered closed. The statement you provided with your complaint only shows posting dates for transactions. Our internal records show the authorization time received from the merchant, and they indicate unclaimed transactions in between claimed transaction on a stolen card. Im sure you can see my frustration. Just when I thought the end was in sight they circled back and argued those points my previous complaint had addressed and they had dismissed in their response. Just when I thought we were all on the same page and the end was in sight I felt the rug being pulled from under my feet. During this past XXXX that has happened countless times. I have jumped through every hoop that TD presented me with and complied with every request always with assurance that this bit would surely see the claim approved. Obviously, it never worked out that way but clearly we were not. It is a hamster wheel of a cycle and I hope I have successfully shown that TD Banks failure to provide a response that directly addresses the circumstances particular to myself. They point out that they have access to further information. Great, I am aware that they are also well aware that at some point on XX/XX/XXXX my online access ( email and password ), PIN, fraud alerts, and phone number were all changed on my checking account. I was not responsible for those changes nor do I know the identities of the persons or persons who were responsible. I had no way to access this account once I had been alerted to possible fraud and it seems that my phone call to their customer support requesting a freeze be placed on my account was either not done or the fraudsters were able to recover the account. The bank knows the answers to these questions. I do not but I have taken note of the dates they have referenced my closure of the account. They quote the day I entered the branch in person but not the day I was alerted and called to request the account be frozen until I could get into a branch. Since I have never received any of the correspondence TD claims in their responses to have sent to me by XXXX. Not a XXXX letter was received at my address dealing with this issue. I have asked in each of my submissions to have the documents relied upon by TD in reaching their decision. Those also have never been forthcoming though I have understood that providing them to me at my request is required by law. In the response to submission four TD notes specific amounts debited and Im assuming they are saying those are the transactions that I have marked as fraudulent. In fact the response makes reference to the statement I provided as XXXX of my supporting documents, giving the impression of a thoughtful and considerate review of my claim. However, if you look at the statement as it is attached to submission XXXX the charges highlighted do not match the amounts that the response references. It is this sort of response which has frustrated me from the outset. The reply looks comprehensive on the surface but closer examination reveals that it is relying on facts different from those attached to the complaint. I am again requesting a review of my claim for fraud. I am reattaching the supporting documentation as submitted with submission XXXX XXXX XXXX and request that TD make a truly thoughtful and considerate review of my claim for fraud and ask that they rely on these documents for same.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This card was open in XXXX name with our permission, I contacted company to send me a copy of my signature and never received anything. this card has been on my credit hurting my score for years and have disputed over and over again. Im being penalized for something I did not do and have suffered from it dramatically. this account is fraud based and is definitely not mine.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A