Date Received: 2022-02-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On or about XX/XX/2021 I opened up a savings account with TD Bank. They had a promotion which would give you {$200.00} if you deposited {$20000.00} in their savings account. I did this but never received the promotion. The terms of the the agreement were as follows. You must have kept the money in for over 90 days you couldnt have received a promotion from a savings account at any time. I comply with all of these requirements. The bank stated that I had to be Offered this promotion however this is not true and its not listed in any of the requirements.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email from TD Bank yesterday thanking me for opening an account with them. I did not open an account with them and I do not have a previous account with them. The account numbers that it reported that I have were XXXX, XXXX, and XXXX. I contacted TD Bank today and alerted them about an account that was opened in my name. They directed me to you to report identity theft.
Company Response:
State: PA
Zip: 16801
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed forXX/XX/XXXXXXXX bankruptcy protection on XX/XX/XXXX. The Target/Td bank store credit card in question was included in the XX/XX/XXXXXXXX petition. However, the account is being reported inaccurately on my credit report. The incorrect date as to when the bankruptcy was filed is being reported on my credit report. I have disputed the information several times including multiple phone calls and thus far nothing has been corrected. The date that shows on my credit report is XX/XX/XXXX, instead of XX/XX/XXXX on my XXXX report. This account only shows correctly on my XXXX report. Due to this erroneous date my credit score is not improving as I work to rebuild my credit during my XX/XX/XXXXXXXX plan. Although they have the correct information regarding my bankruptcy, they are refusing to report the accurate information, which they were doing as recent as XX/XX/XXXX. I will enclose a copy of a recent credit report to corroborate this information. Target TD bank had reported " charge off '' on my XXXX report and I successfully disputed that information and it was corrected. Because of this error I no longer qualify for a mortgage I was approved for in XX/XX/XXXX. I disputed this information with XXXX as well and the information was not updated. Please help me with this matter. As the consumer I feel helpless to be treated fairly, even though I sent proof along with my dispute to XXXX, as well as, XXXX such as the bankruptcy petition that lists this account and the filing date the credit bureaus are still reporting the incorrect information. Please help me this matter. Thank you advance.
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a mortgage loan with TD BANK N.A. XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. TD BANK N.A. XXXX
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: NORDSTROM/TD BANK USA is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections. ( NORDSTROM/TD BANK USA XXXX XXXX
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: TD Bank failed to issue the {$300.00} bonus within 140 days after my XXXX Checking account was opened on XX/XX/2021, and the required direct deposit of {$2500.00} was made way before the required 60 days on XX/XX/2021. The Bank is now in breach of the contract as advertised and posted online for the promotion when the full terms and conditions for my account have been met. See attachments. Despite countless contact with the Banks useless customer services agents, the problem still has not been fixed. The bank must immediately correct this problem and post the required {$300.00} to my XXXX Checking account without any delays!
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear CFPB Thank you for hearing me again over the last 8 yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over 6 times in a 5 yr period. The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got two evictions on my name when I was out of the country. I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX because I support victims of crime. I cant get Hired with these collections. Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. With my line of work with victims of crime I cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. IM XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? Im dying out here help me get this deleted again. Thank you
Company Response:
State: IL
Zip: 60076
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone opened XXXX different accounts in my name when i never opened them. Someone used my ss # and personal information to open these accounts. The name of the bank is TD Bank
Company Response:
State: NY
Zip: 14207
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing in reference to the 30 day late payment marks of XX/XX/XXXX - that TD Auto Finance supplied to the 3 national credit bureaus XXXX, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to TD Auto Finance dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted TD Auto Finance via phone but to no avail. Finally on XX/XX/XXXX TD Auto Finance acknowledged receipt of payment but they only posted it as a payment received on that date. On XX/XX/XXXX I sent a letter with certified mail to TD Auto Finance requesting them to correct the erroneous reporting. ( See attached my letter to TD Auto Finance ) On XX/XX/XXXX TD Auto Finance sent me back a canned letter declining to make any changes. ( See attached the letter from TD Auto Finance ) On XX/XX/XXXX I disputed this late payment mark with XXXX but they seemingly only forwarded my dispute to TD Auto Finance. On XX/XX/XXXX I got a response from XXXX that TD Auto Finance once again refused to update my report. ( See attached dispute response from XXXX ) Attachment Summary : 1 ) Copy of my 3 bureaus credit reports circled the erroneous reporting 2 ) Copy of dated check sent for payment 3 ) Copy of Postal Receipt 4 ) Copy of my letter to TD Auto Finance 5 ) Copy of the response letter from TD Auto Finance 6 ) Copy of response letter from XXXX
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: i called banking to close XXXX accounts with XXXX balance and was told i have to wait on the phone for over an hour to speak with the fraud department.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A