Date Received: 2022-11-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I recently received a credit report update that showed a new credit card opened up under my name. The card is with TD Bank ( which I have no knowledge of doing ) and is associated with an address and phone number that I have never lived at / used. This card was opened on XX/XX/22 and I believe this was an incident of identity theft.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 at XXXX XXXX XXXX was at work when I received an email from XXXX saying " Congratulations on your New Credit Card ". Then a minute later I received an email from XXXX XXXX saying I had an hard inquiry on my credit report. So I checked my credit report and it showed XXXX was the one who checked my credit. I called XXXX to notify them I was not the one who opened the account. XXXX said I needed to make a report and prove that I didn't apply for the credit card. The only thing they could do is put a freeze/hold on the account. Can you please help me with this issue and have this hard inquiry removed from my credit report. Thank you for any information you can provide.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX Credit Card paid in full, XXXX, credit reporting reflecting as " paid in full '' and past due simultaneously. Called their customer support number provided by experience, spoke with representative XXXX who would not provide any additional information about himself. He advised that the account would not reflect as paid in full until XXXX, was rude and provided inaccurate information. Advised that I could hang up and call again to speak with someone else if I did not like his response. I advised multiple times I would like to dispute the reporting that is reflecting past due for XXXX. Credit reporting is inaccurate.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was a long-time banking customer with TD Bank XXXX On XX/XX/2022, I received eSign documents for a new TD Bank Checking Account, which I had no knowledge of. I immediately called into customer service and they transferred me to the fraud department. The fraud department could not locate any fraud, but advised me to close my current accounts and reopen new accounts. I was not satisfied with the resolution, so I eventually decided to close my TD accounts and move to another financial institution. On XX/XX/2022, I began receiving emails from XXXX stating that my Online Banking Statement is available for TD CONVENIENCE CHECKING XXXX. I again received the email on XX/XX/XXXX. It seems another customer is using my email address for their account and/or my personal information. The fraud department has still not provided any resolution to this matter.
Company Response:
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: My niece sent me {$80.00} via XXXX XXXX. I don't have XXXX XXXX. I don't want to open an XXXX XXXX account. I want the funds reversed back to my niece 's TD Bank account. Both XXXX and TD Bank are pointing fingers at each other. They are putting the owners on me to open an account that I don't want. The should have a control where funds reverse back to sender.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
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: There were XXXX transactions totaling {$2400.00} on my account between XX/XX/XXXX and XX/XX/XXXX, using XXXX, XXXX, and XXXX. As soon as I found out those transactions I notified to the bank immediately and closed the card sent me a new one. After 2 month they denied my dispute. First the bank didnt notified me when they see all that crazy transaction, that called unusual transactions. Secondly, they let the fraudulent to use the account over the limit. Who does that? Third they messed up my credit for over usages.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received an alert that a credit card was opened with XXXX/XXXX and this does not belong to me. I did not open an account/card with this company. I disputed it through XXXX but the update came back " verified as accurate. '' This leads me to make this appeal to you. This is very concerning and confusing. Please help!
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for and was denied for a Target red card. The ONLY reason for denial was according to Target themselves " -Your application was declined because you have a number of accounts with recent delinquency. '' I have ONE very simple question, an answer every consumer who applied for credit has a right to know. What is considered " RECENT '' as in a RECENT DELINQUENCY '' is within 6 months considered RECENT? Is 6-12 Months Considered RECENT is 12-18 Months considered RECENT is 18-24 Months considered RECENT is 24-30 Months considered RECENT is it 30-36 Months considered RECENT Is 4 years old considered recent is 5 years old considered recent More specifically : what is the length of time that needs to past for Target to NOT consider a Delinquency RECENT? Target has failed to answer the most basic question previously, hopefully they will answer is this time around.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a XXXX XXXX XXXX XXXX XXXX account XXXX Credit card limit {$3200.00} Someone stole my identity and I believe its a fraud because I applied for a job online and I worked for them almost XXXX months then they disappeared. The company website XXXX I reported them to the FBI and the XXXX XXXX XXXX yo investigate the issue.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: TD bank did not send me statements for a credit card. I do not use this card, not sure why there was a charge in XX/XX/2022. I never miss credit card payments. I receive all my bills through the XXXX XXXX XXXX XXXX and website and it says I have a XXXX balance with TD bank every month. This error made my fico score drop by XXXX points. Please help correct this issue. A payment has been made and I locked this credit card so it will no longer be used. I understand that closing an account may have a negative effect on my credit score. Thank you!
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A