Date Received: 2022-07-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: TD bank allowed someone to open an account in my name and address. I contacted them to report this account was fraudulent, after receiving a bank statement. I spoke with their fraud department, who assured me the account was being closed. However, I just received another bank statement from them for this fraudulent account. I will be personally driving to the closest bank branch to demand answers as to why this account was not closed. I have never had an account with this bank and never will.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: TD BANK USA CLOSED MY ACCOUNT AFTER A FRAUD CLAIM AND REFUSED TO MAIL MY CHECK FOR THE FUNDS IN MY ACCOUNT
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX, XXXX I opened a credit card account with TD Bank to purchase a XXXX XXXX XXXXXXXX, and make equal installmental payments for XXXX months. I, however, paid off the credit card account in XXXX, XXXX. On XX/XX/XXXX, I received an email/invoice from XXXX XXXX that I was being charged {$390.00} for my order. I immediately called and emailed XXXX XXXX to clarify that the account was closed and I did not place any order. The company representatives kept transferring my calls and keeping me on hold for over one hour before a lady eventually promised to cancel the charge. On XX/XX/XXXX, I got a statement from TD Bank , N.A . Retail Card on the same charge. The following day, I called TD Bank to file dispute number XXXX. I was informed by customer service that a review would be done within 90 days. When I called TD Bank at the beginning of XXXX, XXXX, I was informed that the error has been corrected ; the charge reversed, and my closed account will not be charged ever again. I was also told to expect a correspondence to that effect. I need assistance because instead of the promised letter correcting the fraudulent charge and permanently closing the account, I received a statement from TD Retail credit card that payment was due XX/XX/XXXX. Kindly help correct this error please.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2022-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/2022, I order a XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX & XXXX ( order # XXXX ). The transaction seemed very clear and easy. I was financed through TD Bank. On XX/XX/2022, I was contacted by text letting me know that my order was ready to be delivered via the XXXX XXXX XXXX XXXX that was being facilitated by XXXX. I scheduled the delivery date of XX/XX/2022, between XXXX and XXXX. When the two men arrived to deliver and assemble the machine, they checked the area where the XXXX would be set up and began unpacking pieces and taking them to the room. They opened maybe 4 pieces from the box and got to the electrical cord for the machine and found it to be damaged. They showed the cord to us it was indeed damaged and said they could not put the machine together and would take it back and order a new one for us. They indicated that we did not need to do anything except sign the paperwork showing we declined the machine because it was damaged. Around XXXX the same day I got an email XXXX indicating there was an exception to the shipment and that there seemed to be an issue with the shipment. We assumed this was standard procedure and that as a result of this email, a new machine would be sent out to us. No machine ever came, no one ever call us, but the first bill showed up and let me know that payment was due. I called XXXX and was told by a Customer Service Rep that XXXX did indeed get the message from XXXX that the machine delivered to my house was damaged, but that no one had open the email, hence no contact or resending of a new machine. She assured me that she would get things back on track and also offered me 1 month of XXXX to make up for their mistake. She gave me a case number and told me the new machine would arrive in few weeks. She directed me to contact TD Bank to let them know what happened. I called TD Bank letting them know that I had not received the unit and was concerned that If I did not make the payment, it would adversely affect my credit. The Rep on the phone said she would start an inquiry and that would suspend the payment, until this was all straighten out. In my contact with both companies, I was assured this would be fixed. I got a letter from TD Retail Card Services on XX/XX/2022 indicating they total amount for the unit was placed in dispute. I got a second letter from them on XX/XX/2022 indicating they were still investigating my dispute claim. I got a third letter dated XX/XX/2022 indicating that their investigation indicated a billing error did not occur and that XXXX the merchant said an exchange of merchandise was granted or completed. I have not received the XXXX I was never contact by XXXX or XXXX regarding the re-shipment of the XXXXXXXX and I am baffled at how TD Bank came to the conclusion that I received the machine. I am sad because I expected honesty and integrity from both companies. I am concerned that I am not the only one this has happen to and I am angry the TD Bank and XXXX somehow believe they have done everything right, when clearly this has all been handled completely wrong. This has and will continue to adversely affect my credit score and has cause me great distress. I went through all my emails and billing statements to gather all the information I have to prove this injustice being perpetrated against me and possibly countless other innocent consumers, who just wanted to buy exercise equipment from a name ( XXXX ) we thought we could trust and a bank ( TD Bank ) that should be protecting consumers instead of trying to make them pay for merchandise they did not receive. I am shocked that this even happened, especially since I had no control over any part except to sign for the loan and sign for the return of the damaged XXXX I am not interested in the machine any longer and will never do business with TD Bank or XXXX ever again. Please correct this injustice, close my account and correct any adverse information you reported to the credit companies. Shame on you TD Bank for believing XXXX and not doing a thorough check! Shame on you XXXX for lying and saying I received the machine!
Company Response:
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern, I have a Nordstrom 's credit card and have used it without issue for a long time. Every month I get an email stating that my statement is ready, I always log in and pay the entire balance due, immediately. I get many emails, many of which are bills that I always pay on time and in full. During the months of XXXX and XXXXXXXX XXXX I did not receive any emails from Nordstrom 's. I did not notice the absence of these emails, as if anyone would. The first I heard of any past due balance was in a letter from Nordstrom 's on XX/XX/2022. Upon learning of this, I immediately paid my balance due on XX/XX/2022. However, without any notice or courtesy contact, Nordstrom 's reported this late payment to all three credit reporting agencies on XX/XX/2022. On XX/XX/2022 I wrote a letter to the three major credit reporting agencies ( XXXX, XXXX, XXXX ) disputing this late payment. Also on XX/XX/2022, I sent a Certified Letter to Nordstrom 's disputing the information they gave to the credit reporting agencies. The actions take by Nordstrom 's have had a dramatic negative effect on my credit score which has created an undue financial hardship on me. I have reached out to Nordstrom 's in writing and by phone on many occasions. They have investigated and decided that their actions were accurate and will not remove this issue from my credit report. I hope that someone can help me fix this inaccuracy and keep me from being burdened by this simple little communication issue.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: MI
Zip: 48146
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
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: hello good afternoon this complaint is on Target and XXXX when it comes to inaccurate and inconsistent reporting. XX/XX/XXXX I sent target a direct dispute as well as a copy of my credit reports regarding the fact that all XXXX consumer reporting agencies XXXX XXXX and XXXX are all reporting a different running of reporting expiration date which may be causing the date of 1st deliquency date to be manipulated. XX/XX/XXXX I sent the XXXX consumer reporting agencies a dispute based on the same reason attaching my actual credit reports to support my dispute. XX/XX/XXXX Target has responded saying they have notified the consumer reporting agencies with the correct date of 1st deliquency date and for me to reach out to the consumer reporting agencies to basically find out what that date is. XX/XX/XXXX I sent target another letter requesting what that date is because at the end of the day there the data furnisher whom furnishes information to the consumer reporting agencies to report anyway. Why wasn't the correct date of 1st deliquecy date notated in their correspondence letter for me to know? XX/XX/XXXX I sent in another dispute to the consumer reporting agencies basically asking them what the correct date of 1st deliquency date is because target has responded and said for me to reach out to the consumer reporting agencies. XX/XX/XXXX experian has furnished me with my results claiming to have updated this account. well to my surprise the On Record Until is still reporting the exact same XX/XX/XXXX as my before results. The only Update XXXX has done was updated the Balance Updated from XX/XX/XXXX to XX/XX/XXXX. The payment history still does not prove the On Record Until is accurate and here is why. according to the Payment History the date of 1st delinquency date, which is the first 30 days this account led up to a charge off, occurred XXXX XXXX to my understanding in the Fair Credit Reporting Act law 1681c ( c ) Running of Reporting Period - The 7 year period SHALL begin with respect to ANY delinquent account that is placed to charged to profit and loss or subjected to any similar action, upon the expiration of the 180 day period BEGINNING on the date of the COMMENCEMENT of the delinquency which IMMEDIATELY preceded the charge to profit and loss or similar action. The way XXXX is reporting this account or shall I say the way this data furnisher target is furnishing this account to the consumer reporting agencies is going against this FEDERAL law and is a DIRECT violation under the FCRA. so if target is furnishing the date of first delqiuency in the payment history to be XX/XX/XXXX, then how the heck can the On Record Until be XX/XX/XXXX? so your telling me ACCORDING TO THE PAYMENT HISTORY this account first went deliquent XX/XX/XXXX but the estimated FEDERAL removal time is 7 years and 8 months later? The payment history is reporting a ACTIVE history on this closed account. This account closed to any further purchases XX/XX/XXXX so why the active history? This active history is manipulating my utilization making it seem like this account is current and open. This data furnisher reports the status as " account charged off {$2900.00} WRITTEN OFF {$2900.00} PAST DUE as of XX/XX/XXXX ''. to my understanding this data furnisher has wrote this account off with the IRS by submitting a XXXX, they got there funds accounted for with the IRS for the same exact amount that was charged off so please explain to me how the exact same amount is past due? Please inform Target to send me the XXXX that they had submitted for my files. Lastly I would like to include In the COMMENT section of my experian consumer report says the EXACT SAME in the CURRENT and PREVIOUS fields in my BEFORE and AFTER results. If this data furnisher investigated this INDIRECT dispute with the experian previously wouldn't the PREVIOUS field be updated with that information? I have included my before and after results that experian has furnished to me XX/XX/XXXX. I am tired of going back and fourth with this INACCURATE account. Target fails to send me any form of information regarding this accounts reporting. I have gotten NO PAYMENT HISTORY, DATE OF 1ST DELIQUENCY DATE or XXXX from this data furnisher Target. there correspondence letter DID NOT SPECIFY what the CORRECT date of 1st deliquency date is. This data furnisher has already been proven to have reported inaccurate information with the consumer reporting agencies and I have already put them on notice for it under XXXX. I would like to include that this account has never been challenged based on the ownership of this account, this account has always been challenged based on the BLATANT INCONSISTENT and INACCURATE information that this data furnisher is furnishing to the consumer reporting agencies and XXXX is failing to provide me with VALID and CORRECT results. This matter must be handled accordingly because at this point my rights are being violated. I've done my part as a consumer whom this report relates and these cryptic tactics are not being accepted as accurate reporting. The results XXXX has furnished to me are INVALID and my AFTER results are INACCURATE still. I am requesting from target the XXXX form submitted to the IRS, I want target tto specify what the CORRECT date of 1st deliquency date is, I shouldn't have to reach out to the consumer reporting agencies to obtain this information when target is the one furnishing this information to them, I want the FULL payment history on this account.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The companies below have reported inquiries onto my report and I have not given them the authority to do so this was under fraudulent activity authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Td Auto Finance XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Try opening saving accounts with td, XXXX, XXXX XXXX they all deined my accounts some negative information being report in my history.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2022, someone tried to open a Target Credit Card in my name. They ran a hard inquiry credit report that correctly blocked them from opening a credit card, but the hard inquiry remains on my account. There is nothing Target can do about this, but I need this report open so that I can have the hard inquiry removed.
Company Response:
State: VA
Zip: 22485
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A