Date Received: 2022-10-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Notice was sent to TD AUTO finance for debt collecting in which all call were to cease and desist until debt was verified, which is currently not verified competently. from the dates of XX/XX/22 - XX/XX/22 TD AUTO made repeated calls in access of over 65 times that were documented
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I submitted full payoff amount to the CEO of TD Auto Finance. I sent two certified letters with full payments under XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I havent got a response from them or even a call to discuss. I sent the full amount and I got centerfield return receipts.
Company Response:
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have previous open a complaint against TD BAnk concerning NSF Fees while that complaint was completed and close. I notice the documetation that the TD bank Rep added to the complaint had collection companies on them stateing that they sent account to those collection companies to collect the Debt.After doing more research i found out TD Bank reported My information to XXXX XXXX XXXX. The accounts that the letter from TD Bank have shows the amount of XXXX {$590.00}. The Amount that the XXXX XXXX XXXX Credit report has from TD Bank is {$5100.00} that has a difference of {$3500.00}. Td Bank has violated my Privacy ACt 1974, FCRA and XXXX XXXX XXXX XXXX XXXX Pursuant to Fair Credit Act section 15 U.S.0 1681 ( a ) ( 4 ) '' Infringed Upon a Consumer 's right to Privacy '' section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.0 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a XXXX XXXX XXXX ' or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates Also under the XXXX XXXX XXXX XXXX Privacy Rule it states that The Privacy Rule protects a consumer 's " nonpublic personal information '' ( XXXX ). XXXX is any " personally identifiable financial information '' that a financial institution collects about an individual in connection with providing a financial product or service, unless that information is otherwise " publicly available. '' XXXX is : any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ). And on the Early warning Report it has my personal information and the Collection Companies has my personal information as well. I have also attached the documentation. This has caused alot of pain and aggrevation.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: td auto is reporting a charged off loan for XXXX, XXXX on my credit report, td auto sued me without proper notice this was during covid 19 time i never got summed or nothing im hiring a fcra lawyer to help me take td auto to court for doing a automatic judgement. so the balance on td auto should be XXXX not XXXX once we go to court we can see what we can up too i might have to file bankruptcy depening on what laywer says
Company Response:
State: CA
Zip: 93610
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Company Response:
State: DE
Zip: 19973
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for any XXXX
Company Response:
State: MA
Zip: 01201
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX charged account off and failed to provide proper documentation for tax purposes regarding the {$1300.00} that was charged off. They wrote debt off for tax purposes and business gains. They are also in violation of my consumer rights and FCRA reporting violations. I opened numerous investigations and neither XXXX it CRAs properly responded or investigated information. A Chargeoff shouldnt report a PAST DUE balance nor a monthly payment history of CO.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have occasionally used a XXXX XXXX ( TD Mastercard ) to make purchase at XXXX during the last year. In total I have made {$390.00} in purchases and incurred {$240.00} in late fees and {$20.00} in interest charges. This is equivalent to being charged XXXX percent. I have paid the fees and will close my account, but I want other consumers to be aware that Target/TD XXXX may be intentionally ignoring requests for automatic debit in order to earn fees. I have tried multiple times to set this card up with automatic debit, both online and by calling them. I connected my checking account and selected automatic debit on the website. Instead of enrolling the account in automatic debit, I have logged in multiple times to find that they charged me late fees for not manually making a payment. I believe this is an intentional practice to earn late fees. I have called the company to set up automatic debit, but I am still getting charged fees.
Company Response:
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/XXXX I received a notification from one of my credit monitoring services that there had been a change in my credit report. About an hour later I received a call from Nordstrom Credit that my account was past due.This was a surprise to me since I have had this account since XXXX ( 10 years ) and have always had it on auto-pay ( as I do with all of my accounts ). I had not used the card ( there was a {$0.00} balance ) for quite some time prior to the recent purchases I made, so no payments were coming out of the account. I assumed that the autopay was still in place, but apparently it was not. I immediately paid the {$120.00} balance due. I then called Nordstrom and explained the situation, they refunded the {$40.00} in late fees as a one-time courtesy since I have been making on-time payments for 10 years. I asked them to remove the delinquent payment report to the credit bureaus and the representative said that she would " see what they could do ''. I then filed a dispute with XXXX which was the only bureau reporting the account delinquent at the time. My credit score dropped XXXX points due to this. Today I received a letter in the mail from one of my credit card accounts, XXXX XXXX XXXX informing me that they were closing my account due to my credit score drop and " serious delinquency '' on my credit report. This is completely unjust. Missing one payment on one account by accident in 10 years is hardly " serious delinquency '! As it happens, the XXXX credit card was one that I haven't used in some time, but I kept it in case of emergencies which is what responsible people do. So, there are several issues here, all of which are unjust : 1 ) Nordstrom should have revoked the delinquency report. I made the payment as soon as I was made aware and they refunded the fees as a result of my excellent payment history. It's not right that a company can cause such damage for such a minor and isolated offense. That " serious delinquency '' will appear on my credit report for 7 years and have a significant impact on my ability to secure credit. That is just not right! 2 ) The credit bureaus should have to make sure that a delinquent report is legitimately a case of serious delinquency before characterizing it as such on someone's credit report. 3 ) Inadvertent and/or isolated missed payments should not be characterized as " serious delinquency '' and should not be carried for 7 years. That's excessively punitive. 4 ) Banks should not be allowed to just cancel credit card accounts based on this kind of mis-information. Aside from this infraction I have an excellent payment record across all of my accounts and my credit utilization is currently at 24 % ( mainly due to a recent home improvement ) which is below average. This incident is a blatant case of consumer bullying by large corporations who know that they can act with impunity. Thankfully, I am not in the position to need to secure a mortgage or a car loan or any other kind of loan in the near future, but what if I was? I would sustain a large penalty and possibly not even be able to get the loan because I inadvertently missed one {$40.00} credit card payment in 10 years. This is complete injustice and consumers like me should be protected from it. Please make this right.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A