Date Received: 2022-02-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: We received checks in my name with a fake phone number but at a former address I have used from TD Bank. We also received a letter of denial from XXXXXXXX XXXX XXXXXXXX XXXX that said someone submitted an application in my name to open a premium online savings account. This account was not opened due to a denial from XXXXXXXX XXXX based on the fact that they could not verify the identity of the applicant. I did not attempt to open either of these accounts. The XXXX XXXX application denial was dated XXXX. The checks from TD Bank arrived in the mail last week to an address I formerly lived at.
Company Response:
State: PA
Zip: 19006
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon pulling my consumer report, I noticed several inquiries that I have no knowledge of. I have not applied for employment nor credit with these institutions and would like these inquiries immediately removed.
Company Response:
State: MI
Zip: 48335
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Nordstrom has allowed other people access to my account. Please review this receipt. For the Nordstrom Notes, I see XXXX, XXXX, and XXXX. These XXXX people have invaded my credit/rewards on this Nordstrom card and it's probably related to all the other complaints I have filed with you.
Company Response:
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I been getting letter on XXXX XXXX about that i can not open a bank account because of check fraud and i never done that in my life and someone is using my information and i dont even know who is doing that i just want to clear this problem because it is affecting my life and parents keeps asking about it and i don't want to be in trouble for this. I need to have a good record and credit score. I need to open a td bank account but i can't not do that because of this issue and also it always come up in the system when one of the banks put my information in.
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In XXXX, I purchased furniture from XXXX XXXX XXXX. I financed this furniture through XXXX XXXX XXXX XXXX. I have paid for my furniture in full, and XXXX XXXX XXXX XXXX continues to harass me by calling multiple times a day. I made numerous attempts in XXXX and XXXX to settle this debt for XXXX XXXX despite the fact that my furniture had already been paid in full. I was told by XXXX of the dozens of customer services representatives with XXXX XXXX XXXX XXXX that I would not be able to reach a reasonable settlement unless I first allowed my account to go into default status. The problem with that is that TD Retail Card Services continues to post negative marks on all three of the major credit bureaus, causing my credit score to plummet significantly. In fact, I had to settle for an auto loan with an extremely high interest rate because they were the only ones to approve me. On nearly every XXXX of the dozens of phone calls I have made in an attempt to rectify this matter, I have made the representative aware that the XXXX XXXX has had a catastrophic impact on my family 's ability to meet even our most basic needs. There was no consideration for this matter. I would repeatedly ask for an itemized statement of the alleged charges, but I would ultimately be transferred to a line was supposed to be where I would be greeted by an account XXXX to assist me. At that point, I would be immediately disconnected. I am asking that the alleged debt to TD Bank/XXXX XXXX XXXX XXXX be forgiven, that all negative reporting be deleted from all credit bureau reports , and I am ask for {$3500.00} to be paid directly to me so that I may pay down the principle for my high interest auto loan that I would not have otherwise incurred if even XXXX person would have cooperated with me in my numerous attempts to settle this account. I just want to do the right thing, and they have made it unreasonably challenging to do so. It seems remarkably unethical for them to force me into a delinquent status in the wake of a pandemic and armed with the knowledge that my husband had abandoned his family of XXXX.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021, I was the unfortunate victim of a XXXX XXXX data breach in which malicious actors were able to gain access to two factor authentication methods to make unauthorized charges on XXXX customers credit cards. They did it via a method called SIM Swap. XXXX has acknowledged this but has done nothing to help me. On XX/XX/2021 I lost access to my phone connection for that evening and that was when this happened to me. Someone tried to make various purchases on a TD credit card that I havent used in quite some time. They tried making purchases at XXXX and XXXX XXXX. The dior ones were declined but for some reason they were able to successfully purchase an XXXX at XXXX XXXX and make it look like it was me. I have attached the receipt and transaction total. I immediately contacted TD to file a fraud dispute and close my card. TD says they are investigating but I also want to file this complai because TD has yet to reverse the charges. TD has told me that it is going to time to resolve the claim but i am growing increasingly concerned about the charge on my credit card for {$1300.00}. This has been a very upsetting situation for me as a single mother on a very fixed income. I am asking you for your help to recuperate my loss. I did not make this charge and I am saddened that I was a victim and potentially liable for this charge. I have sent you all the information that I have. I also went into the XXXX store in my neighborhood and they went into my account and saw that someone infiltrated my account on XX/XX/XXXX under the guise of it being me. I have not heard anything from TD bank regarding my claim, no letters, nothing. When I call TD to ask about it they say I have to wait. In the meantime they are demanding me to make minimum payments on my credit card which I can not afford, and adding finance fees and late payments to my account. It is in dispute so they are not supposed to be adding on fees. I am suffering from XXXX because of this and am turning to you for help, please. I did not make this charge and TD has done nothing to help me. I need this charge reversed so I can move on with my life. I have attached some information that will help you make sense of this including a news article about sim swap fraud. they were able to gain access to the point that they posed as me to make a purchase at XXXX XXXX without my consent. TD allowed this charge to post. I am furious and saddened beyond belief that they allowed this to happen to me.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/20 I went to XXXX XXXX to perform a consumer credit transaction to purchase an asset for a vehicle and was denied the right to extend my credit to cover the finance charge by paying to the order of TD AUTO FINANCE. Not only did they deny me of my rights, but they also required that put {$17000.00} down as a downpayment in order to contract for the goods. I know this is a violation of my rights pursuant to the 15 USC 1611 and 15 USC 1640 of Truth in Lending Act.
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Target states online payments received by XXXX XXXX are credited as of the day of receipt. I made my first payment on XX/XX/XXXX and that payment was not credited to my account until XXXX weeks and XXXX days later even though it was shown on my bank statement on XX/XX/XXXX. I made my XXXX payment on XX/XX/XXXX. It is now XX/XX/XXXX and still have not been credited to my account.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022, I attempted to get financing for a transaction with XXXX through TD Bank. Unfortunately, an error told me we were unable to connect at the time. I handled the transaction another way. I learned later on XX/XX/2022 that TD Bank had placed a hard inquiry on my credit report - which will persist for XXXX years- causing my score to decrease. I received no decision from TD Bank, no benefit, and no notification. TD Bank acted wrongfully here. I should have been notified directly regarding any decision- as is my right. TD Bank WILL remove this inquiry from my report, immediately.
Company Response:
State: OR
Zip: 97405
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/22 I sent TD Bank a document with original instrument stating accept for value return for settlement on the remittence slip that was sent to me by TD banks. I have not gotten a response yet nor any update on the remittence slip. I also contacted the CFO stating in the letter to validate this alleged debt with bookkeeping entries stating that they had the funds to disburse or have balance set to {$0.00}.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A