Date Received: 2022-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello I have several inquiries from XXXX that dnt belongs to me
Company Response:
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We entered into a construction loan with TD Bank in XX/XX/XXXX with the goal of building our dream home. Unfortunately, we have had a terrible experience with our builder ( XXXX XXXX ) and have had to fire her. In doing so, we became aware that TD Bank gave her $ XXXX from our account in XX/XX/XXXX after she submitted forged paperwork requesting these funds ( she signed in our place and without our authorization ). This was also against the terms of the contract with TD Bank, which clearly stated that no funds could be disbursed until the builder had obtained a building permit ( email attached ). For context, we still do not have a building permit today. Lastly, this follows written assurance from TD Bank in XX/XX/XXXX that no funds had been disbursed ( email attached ). TD Bank initially recognized their error when we brought it to their attention, and immediately reversed the funds and confirmed our account was whole ( email attached ). This upset the builder, and she is disputing this with the bank. Now we are receiving emails from the bank 's attorney that they believe the $ XXXX should be returned to the builder. We have made it clear that we do NOT authorize the disbursement of any funds and that we are pressing criminal charges against the builder. We do not understand the bank 's position other than desperately trying to cover their tracks for this error and force us to incur the cost of a litigator against both entities. At the same time, the bank is refusing to disburse any funds to our new builder until this is resolved, effectively holding our funds hostage ( email attached- same as the " no disbursements can be made without a building permit '' as described in first paragraph ). We trusted the bank to be our advisor and are feeling betrayed by this turn of events and the bank 's lack of support in what is clearly a stressful time for our family. What we are asking for now is assurance from the bank that our account is and will remain whole, and that the bank will handle the complaints from XXXX XXXX about the $ XXXX themselves and leave us out of it. We in turn will be pursuing our own charges ( criminal and civil ) against XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: TD Auto Finance reported 6 late payments in 2020 in the middle of the Covid 19 Pandemic. It should not have been reported.
Company Response:
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please remove all the inquiries I have not applied for any new credit.
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was behind 2 payments when XXXX XXXX contacted me via email on XX/XX/2021 about making a tax payment that was past due. She said she needed proof the taxes are paid by XXXX at XXXX or the file will be assigned to an attorney. I made the tax payment and XXXX said don't worry about the loan payments, you have time to make them. About a month later, TD assigned my file out to an attorney for non-payment. I asked XXXX on XX/XX/XXXX if we could talk, she refused my request. I got a demand letter that week. Then TD bank filed for foreclosure. I tried to work out a plan to catch up and get back on track, the attorney told me they wanted to terminate the relationship. I offered TD Bank $ XXXX to apply anyhow they wanted and they refused my payment. I am in foreclosure and they received final judgment. I wanted to work this out but was unable. I later learned that I should have paid the loan rather than what TD Bank, specifically XXXX XXXX, advised me to do. They told me to pay the taxes first.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: President - i opened td bank accounts in feburary that were closed by them right away and i sent a complaint to you. on XX/XX/2022 in a td bank in XXXX at XXXX and XXXX XXXX i opened a checking account XXXX with a transfer of {XXXX} from XXXX XXXX checking account XXXX and a savings account XXXX with another transfer of {XXXX} from XXXX XXXX. both were deposited on XX/XX/2022. since XX/XX/2022 i keep trying to open an online account and they keep refusing me saying i need to be verified. i told them i dont have transportation, XXXX would be {XXXX} about round trip to the closest one, and i was already verified through my in person visit to that XXXX with my ct license XXXX and ssa card XXXX they still refuse to give me access to online banking. this is the third attempt at trying to open td bank accounts to take advantage of there {$300.00} bonus and {$200.00} bonus for opening those accounts and already completing all the requirements needed to receive those bonuses but its appearing more and more evident that the XXXX XXXX is behind this banking institution and there doing everything possible not to fulfill that obligation of depositing those bonuses. you need to investigate this now and make all the arrests nesasary in order to stop this from happening to future customers. do that now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX XXXX
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I met XXXX XXXX XXXX ( family possibly resides in XXXX, XXXX but he claims to have been in LA for the last 3 years ) through a dating platform called XXXX XXXX around XXXX. He posed as someone with a few photos ( though may have been manipulated ) and a brief profile summary stating he was into cryptocurrency. I have made XXXX aware of XXXX posing as someone interested in dating but is a con artist. XXXX XXXX personnel informed me that they would take every measure to remove his profile from their platform. When speaking to him over the phone, he comes off as having a mix of a XXXX XXXXXXXX and XXXX accent. He love-bombed me, stating he wanted to marry me, he loved me, he wanted to build a life together all within two weeks of having talked on the phone. When I asked for him to participate in a video call to confirm his identity ( within a few days of us talking ), he gave the excuse that he didn't want to jinx us not working out. I was persistent in trying to video call with him shortly after he claimed to have landed in XXXX ( though he could have been anywhere ) - he gave several excuses saying that we would meet in person soon. He persisted, within us talking for about a week, that I invest in cryptocurrency using XXXX XXXX. I was hesitant as I have limited knowledge of the optics behind cryptocurrency. He assured me he would guide me. He also stated that he was against extortion. After downloading an app called XXXX on XXXX, I made a deposit of {$100.00} ( with the Bitcoin ATM taking a cut of 20 % ). Within a couple days, {$80.00} was deposited into the XXXX XXXX. XXXX asked me click on a link he sent to see if I had a universal wallet within the XXXX XXXX platform. A few days after, XXXX persisted that I create ( XXXX ) a portfolio with a company called XXXX XXXX XXXX ( XXXX ). He was insistent on knowing about my investments with Next and called almost everyday from XXXX ( with one instance claiming he was in the ICU and I didn't hear from him for about 6 days and about a couple weeks later, a second instance, where he ghosted me for 5 days ). He put forward that I would have a portfolio manager ( went by the name of XXXX XXXX XXXX or XXXX XXXX ) help with my investments ( via text ). The payments I submitted over the month of XXXX, I believed and was told, being invested in a diversified cryptocurrency portfolio. I made the discovery on XXXX that XXXX XXXX XXXX ( or XXXX XXXX ) was an alias that XXXX was using ( due to the consistencies between his text messages to me and " XXXX '' text messages '' and pocketed my investments. I did not authorize for XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX or their organization to receive my finances genuinely slated for investment purposes. I have a series of text messages with XXXX and a separate series of text messages with XXXX XXXX XXXX XXXX XXXX XXXX the assumption is that they are the same person ) that I can submit as evidence. The aforementioned names ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX currently have my finances of {$17000.00} within an account at XXXX XXXX XXXX XXXXn XXXX I contacted XXXX XXXX XXXX on XXXX informing them that the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) banking with them is a con-artist. In speaking with XXXX XXXX, him and his supervisor did a deep dive into the XXXX XXXX XXXX 's XXXX XXXX account & noted suspicious activity and informed that several others may have been conned into giving the aforementioned people finances. I asked if they could lock the account- XXXX assuring me that they account has been locked so no money can go in or out of the account and if approached by the federal authorities, he would comply with the investigation. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX have also withdrawn the {$100.00} from my XXXX account. I had informed TD Bank of XXXX in which the 13 transactions were submitted as disputes. I filed a complaint with the local police department and in parallel filed an XXXX complaint with the FBI on XXXX. Please see attachment titled " XXXX XXXX '' which are all screenshots of communication as a " portfolio manager '' for XXXX XXXX XXXX from XXXX. XXXX XXXX XXXX XXXX / XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # : XXXX Routing : XXXX
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over a year, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX was charged off on XX/XX/XXXX but still reports monthly late payments Nordstrom was charged off XX/XX/XXXX but still reports monthly late payments According to section 166 of the Internal Revenue Code, federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days.
Company Response:
State: MI
Zip: 48088
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A