Date Received: 2022-04-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email about an checking and savings account that was opened fradulently in my name on Friday XX/XX/2022.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FRCA Violation name XXXX XXXX FRCA Violation loan TD AUTO FINANCE FRCA Violation collection XXXX FRCA Violation loan XXXX XXXX XXXX FRCA Violation enquiries XXXX XXXX XXXX Inquiry: XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Inquiry: XX/XX/XXXX Finance/Personal XXXX XXXX
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: MY SON CALLED ME ON XX/XX/XXXX AT XXXX XXXX HE SAID HE WAS JUST IN AN ACCIDENT, THE POLICE TOOK HIS PHONE AND HE COULDN'T TALK BECAUSE HIS NOSE WAS BROKEN AND HE HAD A NUMBER OF STITCHES ON HIS LIPS. HE SOUNDED LIKE MY SON THOUGH. HE SAID HIS LAWYER FROM LEGAL AID WOULD CALL ME. THE ATTORNEY CALLED ME ABOUT XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX. I WAS CONTACTED BY XXXX XXXX WHO SAID HE WAS WITH LEGAL AID IN XXXX XXXX. HE STATED MY SON WAS IN AN ACCIDENT AND NEEDED TO POST BAIL ON FRIDAY MORNING TO BE RELEASED AFTER HIS HEARING. THE BAIL WAS XXXX $ BUT I COULD WIRE THE MONEY TO A NEW JERSEY BANK ( TD BANK ) TO THE LEGAL AID PERSON WORKING WITH THE XXXX XXXX COURTS. HER NAME WAS XXXX XXXX, HER ACCOUNT AT THE BANK WAS XXXX XXXX XXXX ROUTING NUMBER XXXX ... I WIRED THE MONEY AT XXXXXXXX XXXX FROM MY BANK, XXXX BANK IN XXXX. MY SON SUFFERS FROM XXXX FROM 23 YEARS SERVING IN THE XXXX. I DIDN'T WANT HIM TO BE IN JAIL. THE ATTORNEY SAID HIS BAIL HEARING WOULD BE FRIDAY XXXX XXXX AT XXXX AM.. XXXX XXXX XXXX THE ATTORNEY, CALLED ME AFTER THE HEARING WITH NEWS THAT THE JUDGE WOULD SIGN A RELEASE BUT THE OTHER PERSON IN THE ACCIDENT WAS PREGNANT AND SHE MISCARRIED. SHE WOULD DROP ALL CHARGES IF I COULD SEND XXXX $ TO COVER MEDICAL. I GOT SUSPICIOUS AND STARTED RESEARCHING XXXX XXXX COURT CASES AND DETENTION FACILITIES AND COULDN'T FIND MY SON 'S NAME ANYWHERE. THE LAWYER JUST CALLED ME AGAIN BUT I LET IT GO TO VOICE MAIL. PLEASE ADVISE AS TO WHAT I CAN DO TO RECOVER MY MONEY. I CALLED TD BANK AND THEY COULDN'T DO ANYTHING WITHOUT THE PERSON TO BE THERE TO OPEN HER ACCOUNT. MY BANK WARNED ME BUT I WAS SO WORRIED ABOUT MY SON I SENT THE MONEY ANYWAY. HELP PLEASE
Company Response:
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ... .... TARGET RED CARD XX/XX/XXXX XX/XX/2022 CHARGED ME LATE FEE AND LOWERED MY CREDIT LINE I HAVE NOT BEEN LATE ON ANY OF MY BILLS OR BALANCES ON THIS ACCOUNT EIGHTHER I WAS OUT OF THE COUNTRY & I BELIEVE I MADE A PAYMENT & MUST HAVE NOT GONE THRU. I DO NOT HOLD LARGE BALANCES ON THIS ACCOUNT AND PAY IT PROMPTLY IN 3 YEARS I HAVE HAD THIS ACCOUNTN NEVER DEFAULTED EVEN WHEN I DIDNT HAVE A JOB & OW THEY HAVE AFFECTED MY CREDIT!
Company Response:
State: LA
Zip: 70124
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: These items are inaccurate or incomplete. The number of charge offs are inaccurate. It is illegal for third parties to collect debts. The past due amounts are inaccurate. Debt has been added that should not have. Please provide documentation where I authorized and signed up for such an account. Please verify recent balance, credit amounts, and status are all inaccurate. I am requesting that the item be removed if it can not be verified in a timely manner, and in the event it can not be resolved please provide an exact date that it will fall off my credit report. Or provide a date when the account will either close or return to positive status. Delinquency dates and codes are incorrect ; I have never received any information to validate or verify these accounts. Please provide me with data for the party 's credit relationships established with and not secondary bureaus because their information is not first hand and at times inaccurate. The account reporting is inaccurate. The date of last payment is not posted, the amount of the monthly payment not posted, in addition to the fact that the statement balance is missing as well. This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records. It is illegal to share and furnish these accounts and my information without my written permission. Remove them immediately
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am having so many issues with TD Bank and fees. I would like to first start with the issue of a stop payment that was entered in for the wrong amount. The transaction came out of my account when it wasn't supposed to come out. I was charged excessive fees because of this. The bank wanted to tell me that they had credited me back for fees in the past and we're not going to give me all the fees back for this. Recently, I deposited a check for {$210.00}. They decided to hold it for 7 business days. I had money in my account when I deposited the check. The check wasn't for a large amount. While I thought that I would be getting credit for this check the next business day. I had things going through my account and I am getting fees. I have had {$210.00} in fees this week which wouldn't have happened if the money was there. When I sent a question to customer service through the message system about when would I would receive credit for this, I got a response of the date of the hold is XX/XX/21 and funds would be available on XX/XX/21. This is another situation with information that has been given wrong or input wrong. Also, I had asked the bank to not pay any transcations if the money wasn't there. I wanted to opt out of overdraft protection because I did not want my account to be overdraft by a large amount if they money wasn't in there. They started sending transcations back unpaid, then this week a debit card transction that I had setup was paid and went through to for XXXX for {$350.00} nd so did an ACH transaction to XXXX for {$110.00}. The spectrum payment should have went through if the {$210.00} check wasn't on hold. I can't get my bills paid because I do not have any money when my check is deposited. I am trying to get this account under control but TD Bank is making all of these errors and hold my deposited and then charges me fees and then also paying transactions at there discretion to overdraft my bank for a large amount. I am fed up with this and plan to close this account when I get everything to clear out of it. I wanted to stay with this bank but I do not have the money to just keep giving away with fees.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This Nordstrom account appears on all 3 credit reports and I did not open this account. I have disputed it with all 3 credit reporting agencies to have it removed from my credit report. My credit score has decreased due to multiple fraudulent accounts opened in my name NOT opened by me.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a monthly credit card payment plan through T.D. Bank in New Jersey. I received a notice my monthly payment was due on XXXX/2022/. I scheduled a payment for XXXX/XXXX/2022. The company did not process it and failed to notify me there was an issue. The online payment showed it was still pending. This company charged me a XXXX late fee. I have been unable to get through the phone line to speak to anyone. The online account does not even list an account number. I am only required to pay {$27.00} a month per the purchase agreement I made for the product through XXXX. I made another payment today and it only shows as pending. Their website is highly problematic when making payments. It doesn't show the agreed payment amounts at the time of purchase and seems to have problems posting payments.
Company Response:
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, XXXX XXXX, a consumer and natural person, was denied credit by TD Bank, N.A, when I applied for a line of credit. Taking adverse action against a consumer is absolutely AGAINST THE LAW according to the Equal Credit Opportunity Act codified in 15 U.S.C 1691c, which emphasizes that they can not discriminate against credit applicants when the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Pursuant to 15 U.S.C 1692k, TD Bank , N.A . is civilly liable. TD BANK, N.A, is also in violation of the following codes : 15 U.S.C. 1642 15 U.S.C. 1681m 12 CFR 1002 12 CFR 1026.1 20 ( iii ) I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this unauthorized use of my credit card and has caused my credit score to decrease and my business proceedings to suffer because TD Bank N.A. used my credit card and extended no benefit. Pursuant to 12 U.S. Code 83 banks can not loan their own stock. It is clearly stated and also set in precedence with case law. A national bank has no power to lend its credit to any person or corporation. ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. This means it is not their credit that is being extended but MY credit they are denying me access to. I am aware of double banking and how they pull this off and that I am in fact the original creditor. Their role is to provide a finance charge and service my request for credit. Pursuant to 15 USC 1602 ( j ) I have an open ended consumer credit plan. Since my credit plan is open ended and TD Bank can not lend its own stock, TD Bank , N.A . in fact has no right to deny my credit request. Please take note that if TD Bank, N.A fails to make the reasonable procedures to issue the credit I personally guaranteed, meet my said demands below and compensate me for the use of my credit card, I will indeed make TD Bank, N.A criminally liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o. I have asked them to meet the following requests : 1. Issue the line of credit they used my credit card to access. Please further in the matter.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In short, we purchased furniture through a 48-month equal pay no-interest credit card offered by XXXX XXXXTD Bank. We have made every payment on time through autopay with our bank XXXX XXXX Everything has been fine, but around XXXX of XXXX, they started to recieve our payments late and charging us late fees. We called and moved up the payment another week in our system. Still, they received late. We called again, moved it up another week, and still, they charged us a late deposit. At this point, after calling and trying to work it out, it is clearly intended to make money, or they are completely incompetent. They owe us over {$130.00} in late fees that frankly were not sent out late.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A