Date Received: 2022-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened case XXXX with the CFPB to request closure of TD credit account. I attempted to call TD bank and had issues getting through. I finally got through to a representative to close my account but she never closed it. Subsequently, I reached out to the CFPB for assistance. I received a response back from the CFPB that TD Bank closed my account but it remains open with a {$10000.00} available credit limit. After the CFPB informed me the account had been closed, I shredded the card. I only have the last 4 digits.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
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 check my TD credit card online nearly every other day. On XX/XX/XXXX I saw XXXX charges for {$500.00} each at a XXXX XXXX in XXXX. I did not make these purchases and I live XXXX hours from this location. I immediately called TD card service to report fraud on XX/XX/XXXX. I gave them the information about the transactions and was told it was being processed and to call back in XXXX business days to check on the status. I called on XX/XX/XXXX to check the status and a representative could not find the claim and checked the notes that I called on the XXXX and sincerely apologized on behalf of TD that the claim was never processed and that it would be immediately. She also told me that the {$1000.00} would be credited back so I did not incur interest charges on the fraudulent charges. I was told that I would receive documentation in the mail regarding the claim and an investigator would be reaching out. None of this happened- I did not receive any documentation in the mail, I did not get a call from the investigator, and I was never credited the {$1000.00}. I proceeded to call a week after the XXXX of XXXX and spoke with a representative and asked about the status of the claim, I was forwarded to someone else who proceeded to ask me about the charges and if I had the card present. I told them I had the card in my hand. She stated the transactions were processed with a chip so it was impossible for fraud to have occurred. I explained that there was a duplicate card that could have been stolen or someone fraudulently requested a card and stole it from my mailbox but I did not make those charges. I proceeded to call every 3rd day for the past XXXX months. They proceeded to tell me the claim was under review. Fast forward to the end of XXXX, I called in to check the status and they told me the claim was denied because a chip was used and I stated I had the card. I had to put in a request to reopen the claim, which I did because a duplicate card again could have been stolen or some other fraudulent activity occurred. I called again to check status and they would tell me the request to reopen was still under review. Finally, I called the day after and was told by a representative that XXXX XXXX or google pay was used. This XXXX a red flag to me as I could tell TD had no idea what was going on and never investigated the claim. I called back in the same day at the end of XXXX and asked when the original claim was denied. The person stated it was denied on XX/XX/XXXX, the same day it was actually processed, since they never processed it the first time I called it in. Again, I never received any documentation in the mail nor was contacted by an investigator and the claim was just denied. They asked me why I didn't take it up with XXXX XXXX for the fraudulent purchases. I called XXXX XXXX and spoke with corporate and a representative looked up the transactions and could easily tell fraud was occurring as my card hit 2 different registers for {$500.00} each and another card of someone else was processed for {$1500.00} within minutes after mine. I retained copies of my receipts from XXXX XXXX and tried to handle it with them, but they expressed to me that I needed to work with my bank to resole this, since they are the ones that need to resolve this through their own investigation. I called Td bank on XX/XX/XXXX to check the status of the reopening of the claim and they told me it was still be reviewed. I called again on XX/XX/XXXX to check the status again and was told the claim had been denied and was not reopened on XX/XX/XXXX, so I was misinformed again on the XXXX. I have called TD bank at least XXXX times and get told something different every time. " The claim is under review, the claim is closed, the reopening of the claim is still under review, the claim has been denied. '' I expressed to them the last time that I never received any documentation from them in the mail nor was never contacted by an Investigator. They never reached out to XXXX XXXX to inquire about the details of the transaction, never did anything. They just denied my claim the day it was finally processed ad proceed to misinform me every time I call. I had a call into a supervisor and missed the call due to my work and called immediately after and she was unavailable and never got a call back. I am in disbelief at what is going on here. XXXX XXXX corporate can indicate to me that fraud happened yet TD bank is charging me interest on the fraud and will not investigate the claim. I filed a police report that is currently being processed and under investigation.
Company Response:
State: FL
Zip: 33455
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Target XXXXCard services member since XXXX of this year and the company is ignoring my constant attempts to contact them regarding Fraudulent activity on my account. The payments I have been making are showing returned when the money is in my account. I accurately input my information several times to make my payments on time. Please investigate this as the TargetXXXXCard company nor their CSR agents care to help me. I have tried repeatedly to resolve this matter. I have contacted Target XXXXCard at XXXX as well as their customer service e-mail to no avail. I am being inaccurately charged fees because they are unhappy with my becoming upset due to their negligence. I dont mind paying what I owe but dont keep intentionally Returning payments to cause me to have to pay more fees because your company is in trouble. For gods sake I am a XXXX XXXX XXXX paying for health care and medical supplies needed to sustain life. Help me please!
Company Response:
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nordstm/TD indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXX XXXX XXXX XXXX Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell XXXX XXXX Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies are targets.
Company Response:
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XXXX XXXXXXXX a credit card from Nordstrom/TD Bank USA was opened in my name with my social security number. On XX/XX/XXXX I noticed it on my report and I have notified Nordstrom, and the major credit bureaus.
Company Response:
State: KY
Zip: 40219
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company TARGET/TD XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are TD BANK USA/TARGET CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Hello. I am writing to inform the CFPB about a potential violation and deceptive business practices at TD Bank who is the servicing institution for XXXX XXXX. Scope of the complaint : I have held an account with TD BankXXXX XXXX for over 5 years. On XX/XX/XXXX, I made a payment in the amount of {$1000.00} from my Checking account. TD Bank received the payment and posted it on the account on XX/XX/XXXX ( see attachment 1 ). In a phone conversation with TD Bank/XXXX XXXX on XX/XX/XXXX, I was advised by customer service of the following ; 1. TD Bank/XXXX XXXX received the payment in the amount of {$1000.00} on XX/XX/XXXX 2. Subsequently, TD BankXXXX XXXX XXXX XXXX hold on the funds and categorized it as a ( Pending : Memo Post Debit {$1000.00} ) for a period of 15 business days. I was further advised on 2 separate phone calls, as to the payment posting dates of XX/XX/XXXX & XX/XX/XXXX. 3. I was advised by TD BankXXXX XXXX customer service representative XXXX that though the payment was indeed received and applied to the account, however, it is the policy of TD Bank/XXXX XXXX and is listed in their Terms & Conditions as listed on Online Banking, any payments over {$500.00} is subject to a hold, and it is a blanket policy not based on any risk based segmentation. In review of the Terms & Condition ( Please see 2nd attachment ). Nowhere in the terms & conditions, does TD BankXXXX XXXX disclose this hold policy. The terms & conditions as displayed on the Online Banking portal, states the policy was last updated in XXXX. 4. This is potential of UDAAP Violation and deceptive business practices. In my case, the outstanding balance was on a promotional offer, hence no interest is charged. 5. In the event a customer does not have a deferred payment option, and maintains a high balance. Any payment greater than {$500.00} will not be given credit, and TB BankXXXX XXXX continues to charge interest on a per diem basis, resulting in an unjust enrichment for TD Bank/XXXX XXXX and collecting additional inter
Company Response:
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My td bank account get close and the dont tell me any updated about this, more the 1 month almost XXXX and I still waiting my check and I really need my savings
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Two bank accounts was opened in my name without my consent. XXXX XXXX and TD Bank approved the accounts to be opened without my signature
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A