Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Someone is fraudulent using my social security number XXXX and a hard inquiry for a Target credit card on XX/XX/2022. I have obtained to freeze my ssn and credit bureau. Can you please remove and investigate this fraudulent inquiry?
Company Response:
State: CA
Zip: 92395
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: 2022-04-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased a phone last month on XX/XX/2022 from a company called XXXX XXXXXXXX XXXX. Contacted my bank which TD BANK because I was having an issue and they were well aware because I was speaking on the phone that exact same day. Filed a dispute provided proof of purchase and now they are refusing to give my money back as well as the merchant. Stated to work it out with the merchant. The issue for wanting my refund because The next day my phone wasn't working properly or showing up that I have an account which the issue is still happening. and they refused to give me my {$75.00} back when clearly on the receipt it says you have 7 days to return the device for a refund and I returned it 1 day later. Now I have took a loss on my {$75.00} and I will continue to file complaints until my money is returned.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Around the beginning of XXXX a friend told me he couldn't open a bank account and asked me to open on for him to deposit his checks from work. Me feeling bad, i agreed to do so. He deposited a few {$500.00} checks. Later though out the week, my mom had got mail telling me I owed my bank money.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Auto finance is continuing to report missed payments on a charged off account on a car I surrendered due to severe illness back in 2017. The amount is now showing as roughly {$20000.00} but the account is closed and charged off.
Company Response:
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Auto loan with TD Bank XXXX XXXX Account number : XXXX Name : XXXX XXXX Old Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Current address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL, XXXX Old phone number : XXXX Current phone number : XXXX ( only this number is in use from XX/XX/XXXX ) To whom it may concern, This letter is to explain my situation regarding my car was reprocessed and my and my husbands credit scores are hitting the bottom low. I have been working very hard to have a good financial life and maintain high credit rank. I bought my car in XXXX, using TD Bank auto loan. For the past XXXX years, I had not ever paid late even once. I set up autopay with my XXXX XXXX XXXX. For some reasons, the autopay was stopped from XX/XX/XXXX, which I had no knowledge of. At the same time, XX/XX/XXXX, we sold our old home and moved to our new/current home in XXXX XXXX. I also changed my phone number due to business need. I kept XXXX phones with me until XX/XX/XXXX, I called and ended service with number XXXX. I did not check the payments of the autopay thinking that everything was going well as it was supposed to be. Even with the hectic of moving and on top of that, we delivered our child on XX/XX/XXXX, I had never been late on my bill paying. All of my credit cards, utilities, and so forth are in good standing. On XX/XX/XXXX, I was furious when I found my car reprocessed. I had not receive any phone calls, emails, or letter about this matter prior to this event. In that same afternoon, I registered online account with TD and then paid off the car right away. The balance was only over {$2000.00}. I called TD bank on Monday, XXXX, around XXXX and talked to XXXX XXXX I asked why I did not have any mails or phone calls to inform me about the late payment. She told me that the bank mailed a letter to me in XXXX, and it was sent to XXXX XXXX, which is the house we sold back in XXXX. Apparently, they did not know where to send the letter, but know where to haul away my car. My credit score went to the bottom since. Even worse, my husbands credit score was also dragged down. He works for XXXX XXXX XXXX and his score was all time high in the XXXX. Because of this, our family has been in deep stress. I sent a letter to TD Loan and about a month later, they said there is nothing they can do. This is my last resource. I am sincerely asking you to help correct our scores. I did my diligence of paying the balance right away when I knew that I was late. The late payments were not my intention nor within my knowledge. Please help me to believe in the system and that good people should not be punished. I am working so hard to maintain a healthy family physically and financially. I truly hope for your understanding and that you will help me to get out of this situation. Please let me know what you need and please do not hesitate to contact me anytime. My cell phone : XXXX. My email : XXXX. My address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL, XXXX Thank you for your time and consideration. Best regards, XXXX XXXX
Company Response:
State: FL
Zip: 32937
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XXXX I made my payment to early and it created a 30day day late. When I called to ask why XXXX did not notify me by phone or in writing that I was late. I was told that due to I had E-Statements they only send an email. I never seen a email from XXXX, it may have went to my junk email or was deleted thinking it was advertisement. To correct the issue I removed myself off E-statements so if this happened in the future I would be contacted via phone or mail. In fact I think email should not be allowed. XXXX corrected the issue by adjusting my payment and refunded the fees and interest charges. - When I check my credit report the late fee had been removed. Forward to XXXX - checking my credit report and I see a 30day from XXXX in XXXX. I call XXXX they state I would need to re-dispute in writing, I sent my dispute in writing with a copy of the letter they sent me on XX/XX/XXXX. Letter Stated : Good news - I've credited your account to resolve this dispute. The credit cover the XXXX you disputed as well as any applicable fees and interest charged. You'll see the credit on your next statement. I'm Glad I could take care of this for you. Thanks XXXX XXXX XXXX XXXX XXXX ext XXXX. My New dispute was declined - - It is rejected stating the only fixed the payment and that late payment will stand. They also stated they XXXX has a right to send late payment notification to email. XXXX only keeps there statement online going back to a few months- so I was not able to get the corrected statement. - Nor did XXXX provide documentation. I would like target to remove my only late payment with them in XXXX. There Good News letter was misleading as a consumer.
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST CREDITORS AS A PART OF MY IDENTITY THEFT PACKET FILED IN XXXX. I FILED REPORTS IN THE PAST BECAUSE I HAVE HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST 3 YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T EVEN HAVE MY CORRECT INFORMATION. I WOULD LIKE FOR THESE COMPANIES TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING INACCURATE ACCOUNTS. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY! XXXX XXXX XXXX has multiple accounts
Company Response:
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Back in XXXX I added a stop payment on my account. The amount should have been for {$350.00}. The payment came out of my account the next month. I called to see why the stop payment did not work. The person that put the stop payment put it in for the wrong amount. It was put in for {$380.00}. This is what cause the payment to come through anyway. Due to this payment being taken out of my account anyway, I had other transactions that came through that made my account negative and I was charged {$100.00} in overdraft fees and I had a negative balance that I couldn't get any money for gas, food, or anything else that i needed. This was a bank error and I shouldn't have to suffer from this. I asked the bank to credit these charges and also to send this payment back unpaid. I need that money back in my account as soon as posssible. Yes, TD Bank as given me some courtesy credits in the past due to NSF and Overdraft fees. I am struggling financially and still having a hard time due to having COVID and losing one of my jobs. I do not have any money to give back to the bank. I know that bank charges fees but I am doing my best working as an educator to pay my bills.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On all XXXX credit bureaus there is an account listed from TD BankXXXX XXXX original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called TD Bank an was told this was for a XXXX XXXX. I never purchased a XXXX XXXX nor received one. I was told they would dispute this the merchant. However it is still showing on all XXXX credit reports. I called XXXX XXXX who then called TD Bank they said they were unable to find the account. I am a victim of identy theft from XXXX
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On the XXXX of XX/XX/XXXX I opened a checking account at a TD bank branch in New York. A friend of mine was referring me. As advertised on my referral form I was supposed to get {$50.00} when one out of two criterion is met, and I quote, " no later than 95 days from account opening '' ( XXXX XXXX XXXX XXXX XXXX did comply with the two criterions : 20 qualifying purchases with my TD debit card within 60 days and more than 5 qualifying direct deposits of at least {$250.00} ( XXXX, XXXX and XXXX statements attached ) 4 months after the deadline I still haven't received this bonus yet. I reached out to TD bank several times : On the XX/XX/XXXX, the XX/XX/XXXX I wrote to the customer service online but they kept asking me to contact the TD Bank Store which the account was opened for further assistance ( XXXX XXXX ) On the XX/XX/XXXX I wrote an email to the branch representative that opened my account. No answer yet ( email-XXXXf attached ) I visited that branch on the XX/XX/XXXX and talked to a representative On the XX/XX/XXXX I sent the supporting document asked by this representative. No answer yet and no outcome yet ( XXXX attached ) On the XX/XX/XXXX I wrote to the customer service online that used again the ping-pong method and suggested to visit the branch ( XXXX attached ) I also called the TD bank customer service on the phone in vain
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A