Date Received: 2022-02-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: TD Bank .. a fraudulent check was used to open a checking account in my name. The amount of the check was {$2300.00}. It is a fraudulent check used to open a fraudulent checking account in my name A fraudulent checking account has been opened in my name using a fraudulent check. The bank involved was notified I was on hold for four hours trying to rectify the situation. This began on XX/XX/2022 I was directed to a fraud department where this account was supposed to be canceled I have received as of XX/XX/XXXX another letter stating that this account is still active. I notified XXXX, XXXX, and XXXX and put a freeze on any new accounts. I want this checking account closed as I did not open it.
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
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: this is regarding TD credit card service cash card website is : https : //www.tdcardservices.com/ I Closed the account on XX/XX/XXXX. 2022 Charges still coming to my closed account after I closed for a month and I was told there is nothing I can do about it
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX ACCOUNT WAS OPENED FRAUDULENTLY USING MY PERSONAL INFORMATION. SOMEONE STOLE MY INFORMATION AND OPENED THE CREDIT CARD, I NEVER BOUGHT ANYTHING USING THAT CARD, THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I AM XXXX AND AS A PROFESSIONAL I HAVE NEVER APPLIED FOR THIS CARD, NEVER BOUGHT ANY MERCHANDIZE FROM THAT STORE. THIS CARD WAS OPENED FRAUDULENTLY, I NEVER APPLIED FOR THAT CARD.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a credit inquiry from Target Friday XX/XX/2022, on my locked credit report that reduced my credit score by XXXX points. I did not absolutely not attempted to apply for any Target Credit AT ALL. I am currently out the country in the XXXX XXXX on vacation and have no need to apply for any credit while I am vacationing. Please have Target to remove the inquiry.
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : TD AUTO FIN on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX, and/or XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides . A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not give written instruction and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). XXXX XXXX XXXX 260 F. Supp 2d 711 ( S.D. Ind. XXXX ). I have not initiated any transaction with [ TD AUTO FIN ]. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with TD AUTO FIN for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, with the help of Target customer service representative, I enrolled my Target credit card in Autopay on Target website using my checking account with XXXX please see documents attached. The same day I signed up for electronic statements. On XX/XX/XXXX, I received a statement from Target that my balance is due. Nothing on that statement yielded that my autopay did not go through, and I am past due on my bill, see documents attached. Not a single alert about my account being past due came from Target. The next day I received and alert from XXXX and XXXX that my score dropped 155 points due to the red flag posted by Target. In twenty years I never missed a payment, and always had an above 800 credit score. I paid my bill immediately using the same autopay account ( already in Targets system ). My XXXX account was processed immediately for the outstanding amount, see documents attached. I called Target numerous times to no avail. On XX/XX/XXXX, I filed an online dispute with XXXX XXXX XXXX. On XX/XX/XXXX at XXXX, I finally got through to speak to a Target representative. I informed him of the situation. The representative told me that I never had an autopay account, luckily I could prove that an Autopay account was, in fact, created on XX/XX/XXXX. I have a conformation message about enrollment in Autopay generated by Target, see documents attached. That day, I was also on the phone with the Target representative who was guiding me through an autopay set up process. On XX/XX/XXXX, during my conversation with Target representative he gave me the report number XXXX. Target representative assured me that they posted a note to XXXX agency, as he stated they put a red flag due to misunderstanding. The representative assured me that Target will look into my call to set up an Autopay on XX/XX/XXXX, and that someone will follow up with me. No one from Target ever called. On XX/XX/XXXX, the dispute results from XXXX came. The XXXX stated that Target balance shows as outstanding still ( as I never paid it ). Please see the attached documents that confirm that I paid the balance in full the same day I learned of the account being past due. I hoped that XXXX will be able to solve this ; however, the red flag posted by Target was never removed, and XXXX did not change the status of my credit. I am determined to solve this problem. Ive always had an outstanding credit history, and never was late on any of my payments. I enrolled my Target credit card in autopay due to convenience, as I have all of my other accounts. I have never experienced problems with autopay until Target. Please, help me solve this situation. Best, XXXX XXXX ( XXXX ) XXXX
Company Response:
State: CA
Zip: 94559
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: TD Bank offered me a secured credit card with a {$1500.00} security deposit. I got the secured credit card for {$1500.00} and my ex-wife made several overcharges on my account and they piled up their {$35.00} fees for each {$3.00} coffee and it grew to almost {$1400.00}. I tried to dispute these overdraft fees at the bank. However even if they won't dispute them they should have taken my {$1500.00} that I gave them cash for the secure credit card!!!
Company Response:
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: On XX/XX/22 I received a bank card I had not applied for from XXXX XXXX. On XX/XX/22 my XXXX XXXX sent me an alert informing my SS was found on the dark web. On XX/XX/22 XXXX XXXX sent a text asking that I approve a payment. I did not make any purchases with a XXXX XXXX card. It became clear to me my identify was being used by someone. XXXX.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I have XXXX business accounts that with TD bank that i wanted closed because i dont like how the bank handles certain things. I emptied the account and called and requested both of these accounts to be closed. They told me it cant be closed over the phone.. I have no idea why but i told them I cant come in for medical reasons. I requested to fax whatever was needed in and demanded the account to be closed. 1 of the account i wanted to close was left open and was allowed to over draft for {$2.00} which they then charged maintainence fees and overdraft fees before it was later closed. The other account was also closed after they left it to accrue fees maintence and overdraft fees. The accounts are for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I called TD Bank on XX/XX/22. They told me they are going to look into the fraud. They also told me to contact the XXXX to file a a fraud report. Someone opened it looks like XXXX different accounts in my name with TD bank. I received XXXX checking account booklets with checks in them and also XXXX different statements that said the account is in overdraft. Thanks XXXX XXXX
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A