Date Received: 2022-04-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Late XXXX I traded my car in, XX/XX/XXXX payment in full ( check # XXXX ) was sitting in TD Auto Finance 's XXXX XXXX ( got from their website ) sent from dealership certified mail. Middle XXXX TD had not cashed check and reported on credit report as late. Called TD gave them dealer info. Dealer had to cancel first check, send new check ( certified ) to an address in South Carolina. TD signed for check on XX/XX/XXXX ( check # XXXX for {$18000.00} ) TD held check until XX/XX/XXXX then charged off loan on XX/XX/XXXX. XX/XX/XXXX TD reported a charge-off in the amount of {$17.00} claiming is was interest on the loan that was charged during the time they refused to go to the Post Office and get the original check ( check # XXXX ). XX/XX/XXXX TD reports " Paid, was a charge-off ''. which is incorrect and fraudulent.
Company Response:
State: IN
Zip: 46360
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Target Card Services agreed to and email a 48 month payment plan on XX/XX/XXXX. On XX/XX/XXXX, I attempted to make payment on XXXX online website. I have had access since XXXX but was denied access. I used XXXX XXXX Bill Pay to forward the agreed upon payment amount XXXX and received charge off on XXXX XX/XX/XXXX.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1.0 SUMMARY TD Bank Mortage is blocking me from taking in my monthly payment. I recently closed on a new mortgage loan with TD Bank. Last XXXX weeks, I have been trying to set up monthly recurring/automated payment withdrawal from my checking account at XXXX XXXX. The payment is due on the XXXX of every month. The first payment on this new loan is due XX/XX/XXXX, which is coming up. For last several weeks, TD Bank 's online site services and its mortage support staff are blocking me from taking in the payment. TD Bank 's system is failing to locate my account, their payment gateway is down and their personnel on phone are not resolving the matter. More is below and screen shots are attached. 2. 0 DETAILS & STEPS I HAVE ATTEMPTED WITH COMPNAY TD Bank Mortgage pointed me to their online mortgage payment service. Below is the chronology, with actions, and names of people I have spoken to : 2.1 CHRONOLOGY ( all current year 2022 ) : XXXX XXXX : Several self-service attempts made individually by me to make payment via TD Bank sites and features. I have all my correct credentialing and loan identification information XXXX XXXX : Called TD Bank Loan Services department - Spoke to XXXX. He provided his title as XXXX XXXX. Refused to give last name or rep id. - Was asked by TD Bank on phone to and succcessfully created a login account on TD Bank online. - XXXX emailed me a form to fill, sign and fax back to set up withdrawal ( see Form 1 attached ). - The form asks me to basically sign like a blank check authorization. Does not specific dollar amount authrorized to withdraw. Does not specific what date to withdraw. Etc. - Support was unproductive and did not resolve the matter. XXXX XXXX : Asked to escalate and spoke : - Heard back from XXXX XXXX, XXXX XXXX. Refused to provide email address. - XXXX sent me yet another form to fill and sign ( see attachment Form 2 ) - Stepped me through their web site, asked me enter loan, ssn, etc. We verified all the information correctness over phone. Site gave error that it could not find loan and payment gateway was broken ( see attachment ). - There are thee account holders on the mortgage : me, my wife who is primary, and our son. - XXXX asked me try using primary for my wife : that gave same error on TD Bank site. XXXX XXXX - XXXX to XXXX XXXX XXXX XXXX 's manager called XXXX XXXX late Fri afternoon without notice and left a voice message for me. - XXXX 's message of XXXX Fri basically informed me that I have XXXX hours runway to call him back, expect to find him late on Fri, and that he was headed to vacation all of subsequent week, week of XXXX XXXX. He left me no alternative contact during his absence. - Knowing he's out, I called on XXXX XXXX and ended up phone taggine. I left messaging asking him today asking to make an appointment before calling me so we don't phone tag unproductively- which is after 3 weeks of harassment. I have not heard back from him at all, of his own initative, or to message I left his direct phone XXXX. He has not provided emil alternative ( Internet or secure TD login email ). See attachments. Thank you.
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: TD BANK IS CHARGING ME NEARLY {$700.00} IN OVERDRAFT FEES. IV'E TOLD THEM OUR COMPANY HAS EXPERINCE COVID 19 HARDSHIP AND THEY REFUSE TO WAIVE ALL THE FEES. THIS UNFAIR AND WILL SEEK LEGAL COUNCIL
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The 3 credit bureaus told me to file a fraud complaint with the FTC in order to get these items removed from my credit report.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had already made a full payment of US {$180.00} ( both by cash and refund ) before the due date ( XXXX ) to cover my statement ( XX/XX/2022 ) balance of US {$180.00}. But on the due date, XXXX XXXX, the XXXX XXXX XXXX was still using their autopay system withdrawing money from my closed bank account to pay the future unbilled balance amount of US {$69.00} XXXX which the payment due on XXXX. I was incurred the Return Payment Fee of US {$29.00} on XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: In XXXX I was feeling lonely and was on multiple dating websites. One of them was XXXX, and I had been chatting with someone in the XXXX. One thing lead to another and they took a video of me XXXX chatting with them. They wanted me to pay to get it taken down, and managed to get {$500.00} out of me. Well I eventually blocked them and reported to XXXX XXXX, and the transfer sites that it was a fraud. Well, come to XX/XX/XXXX I was contacted by an email claiming they were the Supreme Court. They had me pay {$4600.00} for a bond fee on XXXX second to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had stayed in contact with them for a few more weeks trying to see how the case was doing, and then they had me pay an additional {$2000.00} as a restitution fee. This was paid to an XXXX XXXX who banks with TD bank. After I paid this fee they never contacted me again. They seemed legitimate, and I believed every word at the time.
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a card through raymour and flanigan on their website while in the process of saving for a home I wanted to use this card to buy furniture in the future, I was approved I have received a card and theyve been reporting to my credit agencies, but I have no access to this account I am victim of identity theft and have my current address and phone number listed on my credit report I also check it often, theyre reporting the {$3500.00} account but I cant do anything with it, They insist I have the wrong number to verify my identity via text message, I can prove my identity but they give no recourse and tell me my account will remain indefinitely suspended until I can get this text message??? Im mortified and now concerned my credit will take a significant hit if its suddenly pulled off especially since I want credit with them and to be able to use it in the future. I find it repulsive that theyre depending on text message to open a {$3500.00} account.
Company Response:
State: RI
Zip: 02893
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Purse was stolen out my car after being broken into. File police report after realize what happen. I bank card was stolen along with other sensitive information. File a claim with TD bank provide police report and any other information they ask for. Was denied claim and was told be the bank they can't provide that it is fraud and my account is new so there is nothing they could do
Company Response:
State: SC
Zip: 29532
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A