Date Received: 2022-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TD bank has reported an account to my credit report for some time now. I have previously disputed this record and they pulled it off the bureau ( all 3 ). This account was not mine. Company has been non-responsive to dispute letters sent in and has not provided me with any feedback other than adding the account back to my XXXX report. Interesting enough they are only reporting to that 1 bureau. XXXX has not been helpful in this situation either and has frankly been unresponsive. Not sure why the either company is able to address an account from XX/XX/2016 or deal with the customers.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Target national bank has sent a debt collector after me for a debt That is not mine. They are stating that I opened an account back in 2013 in which I have never been into a target store. I have filed complaints with the debt collector and with target and nothing is being done. They have been garnishing my wages and so far I have paid {$2000.00}. The debt collector that has garnished my wages for target bank is XXXX XXXX XXXX, XXXX XXXX. Originally they said that I owe {$2800.00} and the number that I owe continues to change and go up even though I have records of my paystubs where they are taking out money every week. Target national bank or TD Bank does not show up on my credit account because I have never had any type of account or opened up any credit card and nobody will help me and they are taking all of my money. They said that there is a judgment against me and that I was served in which I have never been served by anybody.
Company Response:
State: MI
Zip: 48382
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I owe Target in the amount of {$4800.00}, Id tried settling my account in 2021 because Im suffering from XXXX XXXXXXXX long haul illnesses unfortunately Target refuses to Settle my account. Eventually I had forgotten about it.Target forwarded my account to a collection agency without sending a notice first of their intentions. The collections agency sent a letter to my neighbor address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX with my name on it, my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX. The collections agency is in a violation of privacy act. This had cause me tremendous emotional distress because
Company Response:
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received checks for XXXX new accounts with TD Bank which I did not open. Received insufficient fund letters on these XXXX accounts which I have never opened. Attempted to contact company to ensure accounts are closed as they were fraudulently opened without my consent. Unable to speak with anyone at this company.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I had a dispute open on my checking account. The bank issued final credits in regards to this issue but now has locked my account from any activity. Customer service told me that my account has a " no check status '' which blocks me from any and all activity. I am hearing impaired so I can not just call customer care so easily. Furthermore, I am at my second home in XXXX and not at my XXXX home so I can not just walk into a TD branch. I sent a secure email via online banking but nobody will assist me in unblocking my account. How can a bank issue dispute final credits then block the account?
Company Response:
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In response to XXXX correspondence in complaint # XXXX, Im requesting all the information XXXX XXXX XXXX is using as verification of the alleged debt in their previous correspondence. XXXX XXXX XXXX is stating they have proof of the transaction details but failed to send me the original documentation that they are using for supporting evidence. As a consumer I have the right to dispute and validate the alleged debt. XXXX XXXX XXXX is negatively effecting my livelihood by reporting misleading false information on my consumer report. Theres no permissible purpose to furnish a report on me but XXXX is continuing to report the alleged debt which isnt validated. I responded to XXXX XXXX XXXX claim as of XXXX via certified mail ( see attached file ). Along with my response I attached an updated cease & desist, and sent it to the address XXXX XXXX XXXX insisted I send to ( XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX ). XXXX implied that in order to send me their supporting evidence, they need proper identification of me for privacy reasons. I responded to them stating I will be submitting my proof of identity along with my statement of identity through the CFPB ( see attached ). I XXXX XXXX XXXX the consumer, consents to receiving all correspondence Ive requested in my response to XXXX ( see attached ), through postal mail and/or via CFPB. XXXX has 7 days upon receipt to send correspondence.
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received a TD BANK DEBIT VISA CARD in the mail IN MY NAME. I have never opened an account with TD BANK or have ever communicated with them.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD bank account was fraudulently opened back in XXXX. I did get it closed but TD Bank ran my credit which resulted in a hard inquiry on my credit. I need the inquiry removed as it is effecting my credit.
Company Response:
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I filed a claim for {$1500.00} in payments to a pawnshop for which I never received the product ( they sold it to someone else ). I was told that if the Claims Dept needed more information, they would call me. On XX/XX/XXXX a provisional credit for {$1500.00} was applied to my account. On XX/XX/XXXX, Claims Dept REVERSED the provisional credit, stating they contacted me ( they did not, nor can they prove they CALLED, TEXTED, or sent a LETTER ) for supporting documentation, which they said I failed to provide. On XX/XX/XXXX I spoke with Branch Manager XXXX XXXX, who requested I send the documentation and she would forward to the Claims Dept. She also requested a letter from my attorney. On XX/XX/XXXX I called the bank to see if XXXX had submitted the documentation, but she was off. On XX/XX/XXXX I called the bank and told XXXX to email my attorney for the letter she requested ( stating he was handling the case concerning the {$1500.00} in payments ), which she did at XXXX XXXX and received at XXXX XXXX. Around XXXX XXXX XXXX confirmed on the phone to me that she was faxing the documentation to the Claims Dept. On XX/XX/XXXX I emailed XXXX to clarify whether it was XXXX calendar or business days for the provisional credit to be returned and learned it was XXXX business days. On XX/XX/XXXX I called XXXX again when the credit still hadn't hit my account and learned she was off, and that no other manager was empowered to act on my behalf THAT DAY. I also emailed XXXX to let her know I called TD Bank XXXX, was told NO ONE ( neither customers nor employees ) COULD SPEAK DIRECTLY WITH THE CLAIMS DEPT, and was told they CLOSED my claim because they said they never received XXXX 's fax from the week before. I informed XXXX that I had not had access to my account for 10 DAYS, had no food, and was XXXX. On XX/XX/XXXX XXXX XXXX the Collections Dept of XXXX XXXX called again. XXXX emailed she would " bump up '' the situation to get a faster resolution and would research who the claim was assigned to and see if she could go to them directly. I emailed her that XXXX XXXX XXXX Collections Dept was now calling me ( repeatedly over several days ) to collect the overdraft amount which was incurred when the bank reversed the provisional credit. XXXX replied again that she had " bumped up '' the situation and was working on getting a resolution. I emailed back again that I had no food, was XXXX, and had no access to my account. On XX/XX/XXXX at XXXX XXXX XXXX XXXX called my phone but when I answered, they hung up. At XXXX XXXX I tried calling XXXX XXXX bank + spoke with the Collections agent yet again, who put me on hold, then came back on and said her supervisor said the branch manager needed to go into my account, click on the XXXX XXXX, click on the Retail XXXX Fraud Shield, then click on the Claim Investigators Smartform. I relayed this information to XXXX, who told me she had done all that on XX/XX/XXXX. Today, as of this writing and submission, it makes 13 days since I've had access to my account. Yesterday I went to a food pantry, and I have XXXX prescriptions to pick up at XXXX. But no money. Please, please help.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An account was opened with TD Bank under my name using my address and phone number. Checks were sent to my house and a statement was also sent reflecting the opening of the account that I did not know about or authorize. I contacted TD Bank on XXXX XXXX to notify them that I did not open this account, that is opened fraudulently and I wanted it closed as well as any other accounts that were made in my name.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A