Date Received: 2022-02-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX XXXX I got a notice from ID Notify that my social security number had been found online. I talked to ID Notify and place 1 year fraud alerts at XXXX, XXXX, and XXXX. I filed a police report as well as a report at ssa.gove. I didn't think much of it after that and felt like I had done what I needed to do. Fast Forward to XXXX .... XXXX. In XXXX, I got a package of checks, a debit card, and an account statement for an account at TD Bank. This account was in my maiden name with current address and old phone number. XXXX. I called and asked them to close the account but never received confirmation. XXXX. I called their fraud department to confirm account closure. I never received written confirmation and was told I would not since I " did not open the account. '' XXXX. Following this incident, I placed a security freeze AND 7 year fraud alert at the following places in XX/XX/2021 XXXX XXXX XXXX ( only 1 year due to error* ) XXXX XXXX XXXX XXXX XXXX lost my paperwork for the 7 year fraud alert, so there is only a 1 year alert. I sent it to the address on the form and when I called to confirm, they said I needed to send it to a different address. The XXXX fraud department says to mail paperwork to XXXX XXXX XXXX but the global consumer service dept says to mail the forms to XXXX XXXX XXXX ( same address on the extended fraud alert form ) I called 3 times, and no one could ever help locate my paperwork and they don't have a system in place to even address that, and I never got consensus on the correct address. At the same time I mailed the XXXX paperwork, I mailed XXXX and XXXX with no problems. XXXX. I also placed a 5 year opt out of all offers for credit cards and loans and insurance at optoutprescreen.com. XXXX. I worked with a " Restoration Officer '' from XXXX. She confirmed I had taken all the necessary steps. XXXX. Now, XX/XX/XXXX, I received a second packet of checks for TD Bank with a different account number... I called and asked them to close it. They said they did and that they " filled out a report '' but they can not give me any written confirmation " since I did not open the account. '' I don't feel confident that either accounts have been closed, as I have not received confirmation. I also am very surprised that with all the precautions I have in place TD Bank would even allow for an account to be opened in my name without confirming.
Company Response:
State: NC
Zip: 27701
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In XXXX of XXXX I opened a XXXX credit card with TD Bank. Since then I have had exceptional payment history thats not being reported by XXXX. I reached out to TD Bank and they told me they are reporting this account to XXXX. XXXX is not properly reporting my account, they arent even reporting it and it adversely affects my credit standing.
Company Response:
State: FL
Zip: 32962
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Company Response:
State: CA
Zip: XXXXX
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: 2022-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Target Bank card was fraudulently established in my name. Target claim I took ownership when I called submitting my name social And other personal items of verification to my identity. I inquired about the fraudulent activity that has established I presented documentation immediately filed an FTC report as with bringing them the documentation of the police report. In turn theyve also sold the debt off to a XXXX XXXX XXXX XXXX. This collection company also has been harassing me through USPS Mail of the same fraudulent debt. I spoke to a XXXX ( Target Fraud Dept ) on XXXX XXXX stating he was going to make this an utmost priority to update and remove. I spoke to a XXXX ( Target Fraud ) on XX/XX/XXXX who advised me that Target Would be able to remove an update with the CRAs upon receipt of me faxing over the FTC report. I complied in doing so nothing was updated nor removed. On XX/XX/XXXX I spoke to an ( Target Fraud Resolution Specialist XXXX ). XXXX stated that a form called 1099-C had been submitted to the credit bureau and this debt was being updated with that form for removal. I then requested to have this document since this is a crucial piece of evidence to obtain since it to had to be submitted to the IRS. He mentioned that he had to get this information and it would take a couple of days for him to get back to me I never heard back from him. I followed up and spoke to a ( Fraud Target-XXXX Fraud Resolution Specialist ) On XX/XX/XXXX approximately XXXX to XXXX PM she started in with documentation of this fraudulent account and calls that were made inquiring and stated that all the calls were coming from my phone number I begged differ and I told her Im not quite sure as to what she was insinuating however this account was established on fraudulent pretenses. She left a voicemail at XXXX PM the same day stating that she needed me to follow up she would be sending documentations in for me to fill out paperwork for fraud. I returned her call where she also confirmed that she wanted to send documentation and have me fill out paperwork and return. Im traumatized enough I am not submitting my personal identification Social Security my whereabouts to this company I have submitted the proper documentation that target person told me to submit and now they are requesting me to upload more information and to my Social Security number. This here has prevented me from Housing its also defined my character as they have sought after me for this debt as well as sold this debt that was fraudulent to a collector who is now hounding me for the same debt.
Company Response:
State: CA
Zip: 95301
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
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: On XX/XX/XXXX I place an order for XXXX items XXXX of items was not received and contacted XXXX. They are refusing to credit the items that was received
Company Response:
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I been banking with td bank in XXXX nj for about 6 years and sadly there was a fraud situation with my account. I went to the td branch to figure out what was going on. They called the fraud department, i was on hold for half and hour and when we finally got a hold of them they said there was nothing they can do and gave me a third party number called td demarketing number i called XXXX times no answer and no call back. Im fine with the account being close, i just want the funds i have in the checkings to be returned to me.
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my debt card was denied at the store. The clerk told me the error message said fraud. I immediately tried to log into my bank app and was denied access. I called the customer service number on my card and was told my accounts were frozen and set to close by the demarketing dept. They said my relationship with TD bank was being terminated. When I asked why they said they didn't know and I should contact demarking. I called them XX/XX/XXXX @ XXXX. They ask to leave a voicemail and will return your call in 24-48 hours. I have left MANY messages and called customer service MANY times in the following days. On XX/XX/XXXX @ XXXX, I went into a branch ( XXXX XXXX NJ ). They told me the same thing but said they would email the demarketing dept. On XX/XX/XXXX, the branch called and told me again the same thing with no further details. When I asked what I am supposed to do next in regards to gaining access to my funds, I was told I would have to wait to receive a letter in the mail in 7-10 business days. It is now day 6 of me not having access to my funds. I can not pay bills or receive my paycheck because of my locked accounts. At the branch and on the phone with customer service ( fraud dept ) I expressed that I was concerned because my husbands account at XXXX XXXX was compromised and fraud was committed via XXXX. XXXX XXXX told my husband that it was user error however they would try to recover the funds that seem to have went to some TD Bank account. I asked if this could possibly be related since my husband is a signer on one of my 7 accounts. They were not sure. Today, XXXX, I called customer service and learned that on XX/XX/XXXX, the day my account was frozen, someone tried to set up a XXXX profile. It was NOT me. Again I have NO idea why my accounts were frozen, what to do next, why I wasn't notified that someone other than myself accessed my account, there was been NO customer service. Instead of helping me, TD Bank is just trying to cut me off and I did NOTHING wrong. I am extremely upset. My mortgage payment is due today and my credit card bill is due XXXX. I have no way of paying them or depositing my paycheck. Every penny is currently locked. My checking, savings, and my XXXX childrens accounts. How can TD Bank treat a customer like this? I have been a customer since I am XXXX XXXX XXXX and was an employee of this company. I am so disgusted and upset.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I lived in New York state and opened a TD XXXX Checking deposit account. I tried having a portion of my payroll checks deposited into this account but was shortly unable to login to the account. I recently moved to California and was unable to login to their website- it said " there are no accounts to show. '' I called their customer service number twice and both times the representative told me the only way to resolve this is to go to a physical branch ( which they only have on the East Coast, ) and that there was no way to handle this over the phone, via fax, secure message, or via a video visit. It is outrageous that they are holding my money XXXX and refuse to help me in any way and that the only way to resolve this is to go to a physical branch during a pandemic.
Company Response:
State: CA
Zip: 94402
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD BANK REFUSAL TO RECTIFY MISREPORTING OF INFORMATION THAT IS INACCURATE TO THE MAJOR CREDIT REPORTING BURAEAUS DESPITE NUMEROUS ATTEMPTS, TD HAS NOT RESPONDED. CHARACTER DEFAMTION AND NEGATIVE IMPACT ON QUALITY OF LIFE DUE TO THIS INACCURACY AND LOWERING OF CREIT SCORE.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Please be advised! That the Secured Party XXXX XXXX XXXX is giving TD AUTO FINANCE the XXXX lawful notice that the undersigned seeks a billing error resolution pursuant to 12 CFR 1026.13 due to the following facts : XXXX. The billing error in regard to previous CFPB complaint # XXXX wasn't resolved, nor was the claimant given any reason from CFPB for why the complaint was closed without any resolution. XXXX. TD AUTO FINANCE LLC failed to address the issue of the misapplied payment and sent in the agreement contract to the claimant, the claimant wasn't denying that he/she signed the contract XXXX. The claimant is now seeking a resolution for the second time as TD AUTO FINANCE LLC continues to ignore the billing error XXXX further, I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. XXXX. These errors as well as the number of payments seem to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumes to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. Under Regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. XXXX. Following closer research regarding TD AUTO FINANCE LLC ACCOUNT # XXXX, the claimant determines that the respondent is conducting business in violation of both regulations Z and XXXX of the Truth in Lending Act XXXX. The demand is made that TD AUTO FINANCE LLC produces the original wet inked signature instrument, which will prove if this said instrument was securitized.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A