Date Received: 2022-05-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 someone fraudulently used my account to purchase bitcoin from a company named XXXX. I want to know how to pursue judicial charges, because I know exactlyu who is responsible for these 12 different charges.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XX/XX/XXXX TD Bank XXXX issued a credit card to someone in XXXXXXXX XXXX XXXX XXXX XXXX, MD,XXXXXXXX in my name for XXXX XXXX ( high end watches and jewelry ). I started noticing in XX/XX/XXXX that my credit score going down so I looked up my credit report and found this issue. The scammer charged {$5000.00} on XX/XX/XXXX and never made any payment. I have been living in XXXX for last 32 years which shows on my credit report with the same phone number for last 20 years. No one from TD Bank reached me via call or email if I have applied for the credit card. Any ways in XX/XX/XXXX when I finally realized hat I am an identity theft victim I started making call to TD Bank and submitted fraud application to them. TD bank finally replied on after 4 weeks and wrote they have insufficient evidence to substantiate my claim and attached a receipt which has completely different signature on it. It was in in store purchase in XXXX XXXX XXXX XXXX XXXX, NY XXXX. I called at the store and they told me they can provide in store surveillance video showing the buyer to TD Bank. No response. In fact they turned that fraudulent account to debt collection.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: As indicated in the complaint letter to XXXX, several sections of the FDCPA were violated. These violations were all clearly spelled out for the debt collector, with included references to the specific section of 15 U.S.C. s1692. There was a total of 19 FDCPA violations including the aforementioned false representation of an amount owed.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a letter from Nordstrom Credit services that an application was denied. The first name was mine but the last name was not. They used my social security number, birthday and home address. I never applied for any Nordstrom Card or credit. I called Nordstrom they placed fraud on the inquiry. I also contacted XXXX and froze my credit report.
Company Response:
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: When checking my mail after a couple of weeks I received a debt card, statement, and a letter of overdraft for insufficient funds transferred online using an account opened in my name with my social security number. Bank : TD Bank Opened approximately : XX/XX/2022. Letter of overdraft sent : XX/XX/2022 Amount of : {$30.00} for posted items presented for payment on XX/XX/2022 at XXXX for a transfer to XXXX? I called TD Bank 's fraud department right away this morning, XX/XX/2022 at XXXX, and they closed the account. They are also sending it out to be investigated. They have stated that I have been a victim of identity theft and gave me the numbers for XXXX XXXX XXXX the FTC, and Social Security to have my S.S # blocked. I have also called XXXX, after speaking with TD Bank, to have a lock on all three reporting agencies with extra security on anything that may hit my social security number again. This is good for 1 yr. When your office opens, I will be calling the Social Security number given to have my social locked.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THIS IS THE SECOND TIME FILLING WITH THE CFPB AGAINST TD AUTO FINANCE. I HAVE SOUGHT LEGAL ACTION AGAISNT THE COMPANY AS WELL. THIS IS FOR RECORD OF ATTORNEY. RECORDED PHONE CALLS AND EMAILS WILL BE SUBPOENAED. 2 YEARS LATER AND TD AUTO JUST REPORTED TO MY XXXX XX/XX/2022 THAT I AM 18 MONTHS LATE YET XXXX AND XXXX XXXX SHOW CLOSED ACCOUNTS. ALSO I AM A FINANCE MANAGER AT A XXXX XXXX. I AM WELL VERSED IN AUTO LOAN CONTRACTS.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried to contact TD bank many times including walking into their branches to explain to verify the debt they report owed to them with no response after hours of circling me around different department over the phone they end up hanging up the phone. not able to see the debt on their end let alone verify it, or agreeing to delete the trade line from my credit report. as you can see in the attachment I finally contacted them by certified mail to verify the debt with no response.
Company Response:
State: NY
Zip: 11105
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Pulled credit fraudulently without my concent or whereabouts, i reached out to the following companies several times with no resolution.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under on open end consumer credit plan as late for purpose.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have tried to access my TD banking account for the past three months and I havent been able to. I have tried to contact executive management and I have tried to contact every single branch around me to see if they can help me out but every single time they just say we can not do anything about it sorry like weve tried to reset passwords logins different computers phones everything and they still cant figure it out but because of that I can not access my funds I can not transfer anything I can not do anything with it and I even tried closing it and talking to management theres nothing else they can do about it.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A