Date Received: 2022-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have fully paid off this account with XXXX on XX/XX/2022 for the amount of {$340.00} My hood is to now have this fully removed from my credit report because its has been reflecting me in a terrible way. Its been reporting as C/O for charge off for a long time and Im looking for a new start at building my credit. I have a letter from XXXX stating that the account is paid in full
Company Response:
State: NY
Zip: 11694
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I spoke with td banks branch and customer service for the XXXX time who showed no care that fraud had taken place on my account and was never disputed XXXX of the beginning fraud transactions for {$430.00}, they never disputed it and the bank basically recouped all the off the money for themselves including chargebacks that I never filed, yet they say I did, and I cancelled them and they told me and XXXX they woudl return money to the merchant which never happened.. Td banks says I am the first person in history to have some retrieve their pin number and they woudl not all ow me a single dime yet they recoupped every XXXX for them selves especially the XXXX which was the beginning of the fraud ... My wallet and phone was stolen they spoke to someone freely about my account and they took my money and now all of bankers act like they cant help me yet, and i filled out police report yet the bank got the money even took merchants money through chargbacks that i did not file and if they say i filed them, then i also cancelled them but nothing was given back to me nor any of the merchants they frauduently knew what rebuttals to use such as the thief could never made mistakse with a XXXX digit pin that is not enough info to call off in investigation this is a poorly ran bank that takes people with the help of thier banks lying
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In early XX/XX/XXXX, I received a letter in the mail from TD Bank. The letter showed that an account had been made in my name using my social security number and address. My name was spelled wrong. I use TD for my checking and credit card account so I was surprised because I use paperless statements. The account showed that on XX/XX/XXXX, the IRS deposited the 3rd stimulus check of {$1400.00} to this account. Two days later, someone drained the account at a TD ATM and left {$12.00}. I immediately called TD Bank and went to the local branch after understanding what had happened. They closed the account and gave me identity theft materials. I have called several times to their fraud department and they are saying there is nothing they can do. I have submitted all necessary documents to the IRS, who are completing a payment trace. The IRS can tell me where the funds went but because they have been taken, I doubt I will ever get any of them back. TD failed in their security as clearly, this was a fraudulent account. Instead of resolving the issue and giving back the {$1400.00}, they are acting as if it is my fault and there is nothing they can do to help.
Company Response:
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I was switching from XXXX to TD Bank because my ex wife had access to the account and to protect myself and money i needed a fresh start. So I wrote XXXX valid checks to transfer funds. Without my consent or knowledge my ex wife withdraw all my funds and i became aware of this when my First Deposit came back from TD Bank Informing me of the situation. I than went into branch informed them of my situation and had to file claim to cover myself. Along with those Deposits my uncle XXXX XXXX endorsed his check that he received for {$15000.00} on XX/XX/XXXX they placed a XXXX hold on check which Is understandable considering the other situation. The check cleared but they ended up closing my account holding on to my funds. I had to get a power attorney from my uncle stating I had permission they still didn't accept it. My late father is the originator of the Check and he past away due to XXXX & the Rep from TD Bank told me they needed to see my fathers Death Certificate which II felt was out of line. They have since erased the account out of there system and transferred my funds to a internal Account and has been sitting there. When I call and give them the account number the Customer Service Rep. have no record of this account only two other accounts I've had in past. I honestly Want the funds returned to me because they don't belong to TD Bank. The Money Cleared Account number with TD Bank I'm speaking of is XXXX. After the fees they Charged the balance in my account was around {$14000.00} Its not the exactly amount but i know they deducted a little over {$200.00} from the {$15000.00} to cover the fees from other transaction. As detailed as I am you know I'm telling the truth
Company Response:
State: FL
Zip: 32119
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: A check was cashed using a mobile deposit into a sole and private account that had two names on the front of the check. Two names that states jane doe AND john doe. The check required two signatures to be cashed as it was made out to two people. The depos was made and put into the a single account not a joint account with only one endorsement on the back of the check. The other party did not receive half of the funds.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have recently discovered that there have been deceptive and unfair business practices by TARGET CORPORATION regarding my consumer credit card account and I wanted to formally make a complaint regarding the matter. I discovered that paying a debt with federal reserve notes to discharge or extinguish the debt is against public policy according to HJR 192 public law 73-10. After doing some research and reading over the agreement issued by TARGET, I realized that I have been misled and full disclosure was not given in accordance with the TRUTH IN LENDING ACT. TARGET has been actively engaged in unfair business practices, misrepresentation of MATERIAL DISCLOSURES and EXTORTION, TARGET did not enter the transaction with clean hands. The first thing I found after reading the TRUTH IN LENDING ACT was that finance charge is the SUM of all charges in a consumer credit transaction and no cash payments is to be induced from the consumer. Account is defined as follows ( 2 ) the term account means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; Each time a payment is requested in connection with a consumer credit transaction I realized a billing error occurred when the balance is more than {$1.00}. The amount financed and the unpaid balance have the same meaning. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The fact that late payment is being reported is another sign of billing error. The billing error became a debt when TARGET breached their Fiduciary duty and took advantage of my uniformed use of credit, caused by an unconscionable agreement of a promise to pay. The agreement that stripped me of my rights where I received no consideration and allowed TARGET to engage in racketeering activities to coerce repayment on an extension of credit. The failure to provide the required disclosures by law, notices to opt out of sharing, reporting and the truth about extensions of credit must be given to consumers at consummation of the account. Of which I am not in receipt of any such documents. That leads me to believe that the extension of credit was made with the intent to extort monies and play off my ignorance. The negative information being reported to the non-affiliate third party corporation known as credit reporting agencies is proof of conspiracy and extortion by two or more. Once TARGET omitted known facts and stuck me with the unconscionable agreement, they have intentionally violated various Federal and State laws, and went against public policy. I also discovered that Finacial institutions need consumers written consent to furnish or report any information to credit reporting agencies. I HAVE A RIGHT TO PRIVACY NO EXCEPTION! I also have a right to a fair and equitable credit reporting ; nonpublic personal information is supposed to be excluded from credit reports. Nonpublic personal information includes transactions between the consumer and the financial institution making the report. Furthermore, my consent is needed to furnish any report and my consent was not given. Implied consent hidden in an agreement is not consent, it must be clearly expressed. According to the EQUAL CREDIT OPPORTUNITY ACT any contract that forces a consumer to relinquish their rights is illegal and unenforceable. UNILATERAL CONTRACTS ARE UNENFORECABLE 15 usc 1693l No writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by this subchapter. 12 cfr 1015.8 Waiver not permitted. It is a violation of this rule for any person to obtain, or attempt to obtain, a waiver from any consumer of any protection provided by or any right of the consumer under this rule. The agreement I signed to become a customer deceived me to agree to negative credit reporting, involve a debt collector if need be and sign over my dividends. TARGET intentionally set out to deceive me, it is their duty to inform and instruct me on what needed to be done ; I either had to pay every month on time or suffer the consequences. That is the exact violation and patterns of racketeering described in 18 usc 894 and 18 usc 1962 The agreement is causing a restraint of trade & commerce, congress said that the economic stabilization would be enhanced with the informed use of credit. TARGET intentionally set out to coerce me to repay extension of credit by jeopardizing my consumer credit reputation with other financial institutions. TARGET knew that they could induce me into repayment of a credit extension where they would benefit off my ignorance, undue influence leads to unjust enrichment!! 15 usc 1602j open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. So, if finance charge is computed on the unpaid balance why do I need to use federal reserve notes to make payments, when finance charge is the sum total of all charges 15 usc 1605a Finally, I learned under the XXXX XXXX XXXX domestic mail manual it is a violation to send non mailable matter without the required disclosures, if it is deposited in the mail, it should have the required disclosure clear and conspicuous. 600 Basic Standards for All Mailing Services 9.1 Solicitations in Guise of Bills, Invoices, or Statements of Account ( 39 USC 3001 ( D ) ; 39 USC 3005 ) 9.1.1 General Any otherwise mailable matter that reasonably could be considered a bill, invoice, or statement of account due, but is in fact a solicitation for an order, is nonmailable unless it conforms to 9.1.2 through 9.1.5. A nonconforming solicitation constitutes prima facie evidence of violation of 39 USC 3005. Compliance with this section does not avoid violation of Section 3005 if any part of the solicitation or any information with it misrepresents a material fact to the addressee ( e.g., misleading the addressee about the identity of the sender of the solicitation or about the nature or extent of the goods or services offered may be a violation of Section 3005 ).
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have 3 fraudulent credit inquiries on my report. XXXX XXXX bank XXXX Td auto finance XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XXXX, I received, in the mail, a paper account statement from TD Bank for an " TD Beyond Checking '' account. I did not open this account. I have never done any business with TD Bank. The account statement date range was : XX/XX/2022 to XX/XX/2022. The account beginning balance was {$0.00}, and ending balance was {$0.00}. On XXXX at XXXX, I called the TD Bank Fraud number ( XXXX ), and was told they would investigate and close the account. I haven't received any other correspondence from TD Bank about the account or welcoming me to the account.
Company Response:
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX FL XXXX Attn Billing Inquire Account No : XXXXXXXX TD Bank USA. N.A., c/o Target Card Services XXXX XXXX XXXX XXXX MN XXXX Statement XX/XX/2022 and unpaid previous Balance of XXXX and XXXX late fee. I really forgot to paid so I called Target customer service and agree to pay over the phone and they will credit the account the XXXX dollars Late fee and that would have been the end of it. My account was not credited and the account remain with a balance that I did not paid waiting for a credit instead the company ( Target ) issue yet another Late fee on XX/XX/2022 Statement for XXXX plus the XXXX late fee from prior statement not credited leaving a balance on XXXX on late fee ( not consumption of any good or service ). XX/XX/2022, I sent the first letter requesting a correction since all this commence with their mistake and not given the credit, they promise on XXXX. XXXX XXXX get a letter with a credit of XXXX dollar showing a balance of XXXX dollars. XXXX XXXX another letter XXXX. XX/XX/2022 statements showing credit I never saw and more fees and a XXXX balance XX/XX/2022 a letter that my claim was been review. XX/XX/2022 Statement with a balance of XXXX dollars XX/XX/2022 Statement also balance XXXX dollars XX/XX/2022, I sent second letter And the final response from the company was a letter from Target dated XX/XX/2022 in which they inform me that they disagree and that all the charges XXXX plus XXXX + XXXX + XXXX + XXXX + XXXX as well as all applicable fees will remain Last but not least just receive XXXX statement XXXX XXXX with yet another late fee of XXXX + XXXX interest for a total of XXXX Dollars. The card was sent back and cancel and no use and no charges has been made since XX/XX/2022. In hope that this a better outcome Thank you XXXX
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was sent a text message to look like a TD bank notification. The notification said that someone that I had enrolled someone for bill pay. It then had a link to block any further requests which I clicked. It sent to a website made to look like the TD bank website where it asked me to log in and enter very sensitive information such as my full name, DOB, and SSN, all of which I entered. Only after this did I realize that it was a scam. There was the a {$0.00} charge to my account.
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A