Date Received: 2022-05-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Noticed an account was opened in my name on my credit report from XXXX XXXX XXXX. Was not me and a new inquiry from TD bank XXXX XXXX credit was not me.
Company Response:
State: CA
Zip: 91730
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: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My complaint is on how TD Card Services handled a disputed charge on my credit card, and refused to assist in resolving the charge. On XX/XX/XXXX I had purchased a gift certificate to a business which the owner subsequently died and received no product or service. On XX/XX/XXXX I contacted TD Card services to dispute a charge. I received no communication with TD Card services until XXXX hurried voicemail left XX/XX/XXXX. I did not immediately return the voicemail, as at first I could not hear it and thought it spam. On XX/XX/XXXX I received a letter asking for documentation about my dispute. I prepared a letter documenting my steps to resolve with the merchant, supplied copy of certificate, card slip, and mailed back to TD Card Services on XX/XX/XXXX. On XX/XX/XXXX I returned the voicemail left XXXX. The representative confirmed the information I mailed had been received and nothing further was need from me. On XX/XX/XXXX I received a letter from TD Card Services stating they were closing the dispute as they were unable to contact me. On XX/XX/XXXX I spoke with a TD representative. The representative claimed that I never mailed the documentation and never returned the call. When I explained I returned the call on XX/XX/XXXX the representative disputed that, despite I could clarly see the outgoing call listed on my phone. It was clear TD Card Services refused to help. The representative stated if I mailed the materials again, the XXXX " might '' reopen the case, but there was no guarantee they would. Concerned my dispute was not going to be resolved and to protect my rights, I filed a claim against the merchant 's estate myself on XX/XX/XXXX. I then contacted TD Card Services to inform them that I had done so. I asked what documentation they might need on file in case it turned out consumer protection laws were still applicable to the purchase ( e.g. if it was discovered in the future the merchant had committed fraud, etc ). The representative indicated TD didn't want documentation or info, and that TD Card Service would refuse to assist in a future dispute of the charge. I ended the call realizing TD Card services would not protect my interests in disputed or fraudulent charges. As a result I have decided to close my account with TD Card Services.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for a secured credit card with TD bank about 2 years ago after having our bankruptcy XXXX the previous year. My husband and I were told that it would take about XXXX months and they would upgrade us to a regular card. We had to put some money into a savings account that would not be accessible. We each put {$1000.00}. It's been about 2 years and we asked the bank to let us know why we are not getting upgraded and to give us a date. They have not provided us with that info. We have paid our balances always on time and pretty much in full. My credit score is in XXXX range.
Company Response:
State: CT
Zip: 06489
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX posed as the attorney of TD Bank, U.S.A. , N.A . who engaged in misleading representation by filing a statement of small claim and notice without having prior consent to communicate with me the consumer in connection with a debt collection, a failure to comply pursuant to 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) and 1006.6 ( b ). The company also engaged in unfair practices by bringing an unauthorized legal action to consumer attempting to collect an alleged debt of {$3600.00} plus {$100.00} in court costs, a failure to comply pursuant to 12 CFR 1006.18 ( c ) and 1006.22 ( b ).
Company Response:
State: MA
Zip: 01843
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: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: TD Bank fixed payment furniture loan {$2500.00}. Received at XXXX XXXX in XXXX. Paid {$60.00} a month on time until XX/XX/XXXX. Was advised by XXXX XXXX XXXX, a debt consolidation/reduction company to stop payment because they will be settling the debt with TD bank. We are now paying XXXX XXXX XXXX to negotiate with TD bank to clear the debt. I have spoken with TD bank every month since XX/XX/XXXX that we are using XXXX XXXX XXXX. They make a note and tell me that XXXX XXXX XXXX has not called them or reached out to them and Clear One has to call them not TD bank call XXXX XXXX That they can call me reguardless. XXXX XXXX has stated that TD Bank has received correspondence from them and they are in negotiations and shouldn't be calling me. TD Bank called me at my employer and couldn't tell me how they got that number I told them to stop calling my employer. They stopped calling my employer but still call my cell phone. They call XXXX times a day except for Sunday. I spoke to a higher up person in TD bank twice in XXXX and XXXX and they told me they would note the account but they still have to call me. They never leave a message just call XXXX times a day. They now lowered my credit limit on the furniture loan below the amount of the loan now showing I have gone over my credit allowance. They have sent info to the credit bureaus about that. They have sent me letters threatening to send me to collections in XXXX even though they have noted im using XXXX XXXX XXXX to settle the debt with them. This has lowered my credit score from XXXX to XXXX in a short time. The number they always call me from is XXXX
Company Response:
State: MD
Zip: 218XX
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: Information belongs to someone else
Consumer Complaint: An inquiry was made to my consumer report on XX/XX/2022 as a result of identity theft. I did not apply for credit with TD Bank. I have attached my W2, utility bill, and identity theft report.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
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 Target and XXXX XXXX have violented 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 account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
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 and XXXX XXXXXXXX have violented 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 account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: BASED ON 15U.S CODE 1681A, TD BANK USE INFORMATION ON XX/XX/2017 AND XX/XX/2017 WITHOUT MY WRITTEN CONSENT I HAVE ASK THEM NUMEROUS TIMES TO REMOVE LATE PAYMENTS FROM MY CREDIT REPORT BUT THEY CONTINUE TO BREAK CONSUMER LAWS.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In the month of XX/XX/2022, they charged me a late payment fee of {$29.00}, and in XXXX {$40.00} they keep increasing the fees higher and higher. This is unfair to the way they treat customers.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A