Date Received: 2022-08-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I check my credit report, and see inquiry on my report.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is not mine. I never owned this account. I'm not responsible for this account. This is wrong and offensive to me! This account belongs to someone else.
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Earlier in the year I divorced from my ex-wife. As part of the divorce she wanted to keep the XXXX and it is financed through TD Auto Finance in my name. In an attempt to provide the company with her banking information, they deleted the auto pay information which I had setup at the beginning of the loan and never missed a payment. Over a month later as I was reviewing my account for an unrelated issue, I realize I now owe what is about to be two payments. I called and asked what was going on and they blamed me saying I was the one that canceled the auto pay. Why would anyone cancel their own auto pay and then just not pay it for a month and a half causing them to miss their first payment on any account in almost two decades and in the process ruin their credit? They refused to fix it so i made both payments that day and brought the account current. They turned me over to the bureaus as delinquent anyway. I filed a dispute and it came back a few days later indicating no change would be made.
Company Response:
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Mailed my payment of {$44.00} on due date of XX/XX/XXXX. Payment was received and credited on XX/XX/XXXX. Was charged a late fee of {$29.00} and {$1.00} interest. Called on XX/XX/XXXX to request a credit. Credit was granted for the late fees and I was advised that there would be no balance due ( I have not had any purchase transactions on the card since I paid balance in full on XX/XX/XXXX ). I received another bill on or around XX/XX/XXXX showing a {$59.00} balance due. Apparently another XXXX late fees were added. I called again on XX/XX/XXXX and was told it was a mistake because of timing of the credits and that there will be no balance due. Then I received a letter in XX/XX/XXXX saying dispute was reviewed and that the late fees will remain on the account. I called again on XX/XX/XXXX and explained that I was charged for a late fee on a late fee that was approved for removal. Also explained that the two previous customer service representatives told me the late fees would be credited and there would be no balance due. They apologized saying that the customer service reps provided wrong information and that per policy and the terms and conditions of the card denied my request to waive the late fees on a late fee balance. I said that doesn't make sense. I asked if anyone had common sense and was abruptly hung up on.
Company Response:
State: NY
Zip: 10541
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: have identity theft and mail fraud
Company Response:
State: WI
Zip: 53703
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: Incident happened XXXX of 2021, the amount was over {$600.00}. My bank was TD and the funds were taken from a XXXX transaction. I received a text message to believing from Td fraud department stating that a transaction is about to made. The fake TD representative calls to verify the transaction I state that its not me. They send me a text for XXXX multiple times until I ask to speak with their supervisor. I then call TD they close my account the next morning I go into an actual TD branch open a new account and file a fraud report. TD representative informs me to file a police report. TD deny the claim.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have made numerous complaints to the CFPB regarding fraud that occurred on my TD checking account and my most recent complaint resulted in the bank returning a decision that narrowed their reasons for denial from five to one. The one remaining reason for denial is : Card Present PIN used transactions occurring in between claimed fraud not being claimed indicating card in possession Denial stands, case considered closed. I have continually requested documentation from TD Bank as to which transaction they are referring to as this would help me to provide a direct response but despite this complaint process going on for nearly one calendar year I have had nothing in writing from them either providing me with the documentation they relied upon to reach any of their reasons for denial ; documents which I understand I am entitled to receive by law. However, as no such transactions, card present PIN used transactions, occurred during amidst the fraud as this type of transaction would have been impossible as my card was not in my possession and therefore was not in use by myself. I have attached my bank statement which does indicate that I did not claim two transactions from XXXX which were pre authorized deductions for the cost of my XXXX membership and the cost of my membership to XXXX XXXX. ( Please see attachment 4C - these transactions are marked in red ; all other fraudulent charges are marked by yellow ). These amounts had been deducted from account in the months prior to the fraud occurring and were automatic ( I wish I could provide documentation of these charges being a regular monthly charge but since TD 's closure of my account I no longer have access to my past banking statements. If I am able to obtain any documentation from XXXX regarding these charges I will update my complaint, however, TD has always had access to all of these records ). These charges did not involve my card being present or the use of my pin at the time they were deducted and were made without any action on my part. I have explained these charges to TD Bank in person and in every complaint I have made through the CFPB since the very beginning of the complaint process so I can not understand their reasons for continuing to deny my claim based on these transactions. Quite simply, while they posted to my account during the time the fraud was occurring they were not fraudulent and I have been honest about that from the beginning. It seems it would have been easier to just say it was all fraud if that would have brought about a speedier conclusion but fundamentally it still would not have been honest which I have been and will continue to be until the resolution of this matter. I can not begin to tell you the numerous difficulties I have faced because of TD Bank 's denial of my valid claim of fraud for unsubstantiated reasons. They have never risen to the requirements under which they are bound by law in any of their dealings with me throughout this entire process. I sincerely hope that review of my account statement from the month the fraud occurred and review of my historical account statements which show these payments occurring in the months prior will finally bring this matter to a close.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have fraud on my target credit card. I contacted target immediately when I noticed the fraud charges, I was told nothing they can do I need to call back during business hours when the fraud team is open! Excuse me???? Why do I have to call back because the team isnt 24 hours???? First off all the amount of charges and the high dollar amount you allowed on a fairly new account is unacceptable. Target should have immediately stopped these charges and contacted me but instead let them go through! THEN when I Called the fraud department they said I have to fill out a form before they take a fraud claim. Excuse me??? Im not filling anything out!!!! Take these charges off my account now!!!
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I have credit freeze on my accounts and and I recently got both a target credit card and a XXXX XXXX card in the mail that I never applied for.. My wallet was stolen back in XXXX of this year and I froze everything because she has my ID my social security number and all of my credit cards. She has since opened a few new credit cards in my name and what really irritates me is that she's probably opening them over the phone, because she has my ID and I'm sure she looks nothing like me so she's not doing it in person I'm wondering why these stores are allowing her to open these when my credit is frozen? I have an active police report case number already too.
Company Response:
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX of XXXX account was setup through XXXX XXXXTD Bank with autopayment draft. In XX/XX/XXXX either the creditor changed programs or had an internal issue regarding their autopayment software. I was notified that a payment had not been received. I contacted the creditor directly and was told that the error was indeed on their side and that they would remove any and all late fees and assured me no reporting to consumer reporting agencies. Furthermore, at no time was the account ever close to being 30 days late. After rectifying and assuring me that autopayment was correctly set up, the same thing occurred the following month. Once again I contacted the creditor and the process was repeated. Again, at no time was this account past 30 days late. Approximately two days ago I checked my credit report and noticed that the creditor had reported ( 30 days + late ) status on my credit report. I have excellent credit and no history of late payments with any creditors. This inaccurate reporting has resulted in two long term creditors revoking my 0 % rate which in term has now cost me damages in the form of increased loan interest. My legal counsel requested this account be disputed with the CRA 's and complaints filed with the XXXX and CFPB as a first step. I have detailed call logs of my interactions with XXXX XXXX XXXX TD Bank, but have been advised to not disclose at this time. If more info is needed, it can be provided.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A