Date Received: 2022-11-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email that a TD Bank checking account and savings account were opened in my name. I don't have any accounts with TD and didn't recently open one. 10 minutes after receiving that email my XXXX inbox was flooded with hundreds of spam emails. It seemed like a tactic used to hide the TD Bank email.
Company Response:
State: MA
Zip: 01945
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My name is XXXX XXXX and me and my wife are regular XXXX customers. My wifes credit is currently trapped in limbo. She made a payment on XX/XX/XXXX today is XX/XX/XXXX, we either want our money refunded or our credit to be reflected on our account accordingly. 13 days is plenty of time for credit to be reflected and a payment processed. This is completely unacceptable.
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 US 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 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
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In XX/XX/2022, I reached out about a payment. I erroneously put funds in the wrong account and the payment resulted in insufficient funds. As soon as I realized the problem, I contacted TD Bank. I was told the payment was processed and there were no issues. To prevent further issues, I paid off the accounts. I then began to receive letters stating the insufficient funds issue which I was told was not an issue. I called back and was told the letter are delayed so the were sent after the insufficient funds issue, but before I paid off the balance. I did not receive anything indicating there was an adjustment to my credit limit. Fast forward to this week, I get an email indicating a {$310.00} credit limit when my limit was between {$8000.00} & {$12000.00}. How is it that one discrepancy in my 11 year payment history warrants such a dramatic decrease in my credit limit? I have NEVER missed a payment in the time that Ive had and used this card. I reached out prior to their system even knowing there was an issue and offered to make the payment over the phone. I was told I it was processed. Now Im being told that I had to call in XXXX about the credit limit issue but I wouldve only known about it if I logged on to the online portal which I did not have a need to do because the balance was paid off. No written notification yet this reduction because I made one mistake and was proactive in rectifying it and the customer service is no help. What are people who care about their credit scores and debt to credit ratio when they are operating in such a negative fashion. Ive never had a credit card in my 20 years of having credit that engaged in such harsh retribution for an error that was easily rectifiable.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This TARGET is currently showing 30 days late way back XX/XX/XXXX, XX/XX/XXXX and in XXXX to XX/XX/XXXX. I have multiple attempts in reaching the bureaus and the company however I do not receive any feedbacks or response from them. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately because this late payment is affecting my credit scores and need it to remove immediately. TARGET/TD XXXX XXXX : {$320.00}
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Recently, I, XXXX XXXX XXXX, the consumer was denied an extension of credit by TD Auto Finance, a Division of TD Bank , N.a . On XXXX, I applied for sales financing of a motor vehicle from XXXX XXXX. It is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( C ) and TD Auto Finance, a Division of TD Bank , N.a . assumes civil liability pursuant XXXX XXXX XXXX XXXX ( K ). TD Bank has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter they sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, they are also criminally liable. TD Auto Finance, a Division of TD Bank , N.a . should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. The terms I request are as follows : 1. 7 % APR 2. {$150000.00} loan value 3. 84 months 4. {$0.00} down Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I've filed a dispute with Target/TD Bank credit card company where I have been XXXX in the Oklahoma department of XXXX since XX/XX/2017 serving a XXXX XXXX XXXX in the Oklahoma department of XXXX XXXX Where I am XXXX at the XXXX XXXX XXXX XXXXr at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen an account from Target credit card that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in XXXX, with a copy of my DOC XXXX Identification with my Social security card. Which could've all been verified by the Department of XXXX had this company did a proper investigation into this matter. Where they failed to respond to me in writing. And for these reasons if I have been XXXX for the past XXXX XXXX when this account was opened in my name I was in the Oklahoma department of XXXX at the same address of XXXX XXXX XXXX XXXX OK XXXX for the past XXXX XXXX where no credit card was ever Sent to me at my apddress at a XXXX XXXX this is facts that would've have shown that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Company Response:
State: OK
Zip: 745XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I would like to request by law the suppression or deletion of the following item : TD AUTO FINANCE Reasons : Negative date goes from XX/XX/XXXX to XX/XX/XXXX Balance increase every dispute Balance is stated different on the credit report than TD Auto Finance Statement The final payment [ contract end date ] being due XX/XX/XXXX. Interest should stop by law on the final contract date. Debts such as credit card debt, auto loans, and medical debt have a statute of limitations of four years in the state of Georgia. Which mean interest is not allow to be added after final contract date. Write-Off Meaning A write-off removes an asset or liability from a companys financial statements. Assets are written off when they become obsolete. Lost inventory, unpaid debt obligation, bad debts, and unpaid receivables are also written off.Which mean TD Auto Finance is Fraudulent writing off and reporting incorrect data to the credit bureau and the IRS on every dispute.
Company Response:
State: GA
Zip: 31520
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: To whom this concerns There is an Account opened in XXXX that is being reported in accurately to my credit report. My info is : XXXX XXXX XXXX This account was opened as a result of identity theft and its not mine and is reporting a balance of {$5900.00} It was then sent to collections in early XXXX as I had no knowledge of the account and was getting phone calls from the collection company. I told them it was fraud & sent them information regarding this a fraud repot via email, and they determined that it was identity theft and therefore they stop pursuing the debt and told me it was being sent back to TD Bank for official closure. Since then I assumed it was resolved but it is still been reported to my credit report I called TD Bank and they said they do not have any information regarding the account on XX/XX/XXXX. I spoke with a representative in the fraud department who opened a global security claim to further research. I have not heard back from the global security team within TD Bank. I have added a picture of the account that has been reported to my XXXX and XXXX XXXX profiles as well as the letters Ive sent to The Credit bureau which was them forwarded to TD Bank regarding this. I do not recall any response through mail which is a huge issue at a violation of the fair credit reporting act since they did not reply with any validation of the account. Again I thought this issue was resolved since the debt collection company told me in early XXXX that it was determined it was identity theft and being revoked by TD Bank from the collection agency. All of this should be able to be traced within TD banks communications with their debt collection company. I do not understand why the account is still being reported to my credit report even after this has been figured out please delete it as soon as possible from all credit bureaus As they claim theres no record of the account they have withdrawn it from the collections agencys and have failed to verify this.
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/XXXX a domestic wire was supposed to be sent for XXXX. The banker received the right bank name, account number, and routing number as I initially did the same type of wire in XX/XX/2022. I showed the banker exactly how the receipt from the previous wire was done and was under the impression she did it the same way. She asked for a XXXX code and I told her we didn't need one because the bank was in the US. She demanded one in order to send because the merchant was in XXXX. I again explained that the merchant bank was in the US. Once she asked again for it I gave it to her because it seemed like she wasnt going to do the wire without it. I noticed the receipt that was sent to me didn't show the bank that I gave and I found out the banker sent the wire internationally without an IBAN instead. The funds never reached the recipient. TD bank has not found my wire and its been close to 4 weeks. The banker did my wire incorrectly by sending the funds to a US domestic bank on an International wire transfer.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A