Date Received: 2022-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD BANK XXXX is mistakenly reporting to all 3 credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the 3 credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all 3 credit bureaus. With sincere thanks.
Company Response:
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on WNORDSTM/TD with the account number XXXX Also, I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received two books of starter checks from TD Bank, I NEVER requested an account from TD Bank, the checks have my home address but an old phone number. I have NEVER had an account with TD Bank.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: My wife and I were victims of wire fraud, when someone hacked an e-mail account and impersonated our attorney with instructions for wiring our home downpayment ahead of our closing. // I wired our {$130000.00} downpayment from my TD Bank account to a fraudulent XXXX account just before noon on XXXX XX/XX/2022. At about XXXX XXXX we discovered the fraud because we received correspondence from the real attorney 's office, and confirmed on the phone. // My wife and I spent the next two days shuttling between different branches of TD, XXXX and multiple law enforcement agencies. TD Bank has clearly designed the recovery process to be as opaque as possible, because distributed responsibility significantly weakens their incentive to facilitate the return of the stolen money : // * In-person bankers at the branch are largely clueless and powerless about the whole process, despite good intentions. No one had any knowledge of the actions we needed to take, and the best they could do was pick up the phone and call a back office when we pressured them. All the back office would tell them is where to file a form requesting the form that we actually needed ; the branch has no subsequent visibility into or influence over the process. * The way the process is set up, the victim can only communicate with their bank, and only through a local branch. But the branch bankers can only make requests by phone to the fraud office. And the fraud office delegates full responsibility for the investigation to recipient bank. Thus, the recipient bank is the only one with real influence on the process, and the victim has no way of communicating with that bank because the victim is not a customer. // * The banks must recognize that time is essential, because wires can be nearly instant and the schemes are designed to remove money from the recipient account as soon as possible, at which point chances of recovery are low. However, there does not appear to be much sense of urgency in the banks ' process. We believe we succeeded in getting the target bank to freeze the fraudulent account, but only after visiting three branches in person, making several phone calls, pushing two internal connections, making a recall request through our bank, and reporting to the FBI and local law enforcement in two states. We have no confidence that we would have achieved such an outcome without such persistence and understanding of the process. And even so, after five days, our only confident information comes from the FBI and no one has confirmed how much of our money is recoverable. // * One stage of the wire fraud recovery procedure is an indemnification agreement filed by the victim 's bank to the recipient 's bank, essentially saying that the recipient 's bank will not be responsible for legal repercussions if the fraud allegation is challenged. We only knew of this concept because of the FBI ; TD Bank never informed us. Several TD Bank employees professed ignorance and stonewalled us, until a supervisor ultimately conceded on the phone that they are all instructed to be clueless and resistant when asked to file forms that give the bank legal exposure. The form has been requested, but as yet not filed. // * As we now know, universal advice says that no one should ever wire money without verifying the wire instructions in person or on the phone with the recipient. Moreover, wire fraud is a very common crime that I should have known to look out for. But most people rarely if ever wire money, and their first wire will often come at a stressful and vulnerable time -- like a home purchase. TD Bank gave me no such warning of these commonly known facts, and thus passively facilitated the fraud.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This NORDSTM/TD XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. NORDSTM/TD XXXX
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: NORDSTM/TD is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( DF ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. ( NORDSTM/TD XXXX )
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: TD BANK REPRESENTATIVE ARE INSTRUCTED BY THEIR SUPERIORS TO INFORM CUSTOMERS THAT THERE ARE ONLY 30 DAYS POST STATEMENT AND POST THE POSTING DATE OF A DISPUTED TRANSACTION TO INTITATE A DISPUTE AND THAT THE ONLY WAY TO INITIATE A DISPUTE IS TO HAVE A TELEPHONE CONVERSATION WITH THE REPRESENTATIVES. BOTH ASSERTIONS ARE FALSE. THE FAIR CREDIT REPORTING ACT REQUIRES BANKS TO ALLOW 60 DAYS POST STATEMENT DATE, NOT POST POSTING DATE, FOR CUSTOMERS TO MAKE A DISPUTE. SECONDLY, THE FORM IS AVAILABLE AT https://www.td.com/ca/en/personal-banking/documents/pdf/credit-cards/TD_dispute_form.pdf ALONG WITH FINDABLE INSTRUCTION ON ITS USE WHICH ARE DUPLICATED IN THE FORM. THIRDLY THE FORM INSISTS THAT CUSTOMERS SELECT ONLY ONE OF EIGHT AVAILABLE CATEGORIES. THIS CAN BE BYPASSED BY SELECTING OTHER OR NONE AND COMPLETING ALL RELEVANT SUBSECTIONS UNDER SECTION 5, ALONG WITH REMARKS
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: A long while back I had a Target retail card that went over its limit so they shut the card off. I was then asked to pay the whole amount plus late fees and interest and when I asked for a payment plan, they denied it and told me to pay the full amount. When I finally was able to pay the original amount, at that time, they ended up adding an additional {$300.00} plus dollars to the bill. When I tried to pay the original amount. I was told to pay the whole {$900.00} plus. That was over a year ago, for a whole year I received no communications. Since then I've been paying other debts off and they came back after a whole year of no contact. I've been getting several calls a day with no voice-mails. XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX They are repeatedly calling.
Company Response:
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an account with Target Bank USA, NA and I have alerts set up on the account to remind me of the payment. I have requested to be notified by phone via text then email so that I am not late with payment and I do not incur fees and any late payments over 30 days on my credit. I'm trying to re-establish my credit history like most people since the pandemic and Target has reduced my credit line from {$3000.00} down to {$300.00} which is their right. I've been a cardholder since 2016 and experienced difficulty during the pandemic and have been back on track. Well I'm a XXXX Veteran and have many conditions and I suffer with XXXX XXXX this is why I have requested the text messaging first. I didn't receive the text message until after my due date which would have assessed my account a late fee and a 30 day late. I'm not sure why this happened but this is extremely damaging to my credit worthiness in which I'm working so hard to achieve, I'm a single woman and I don't have anyone to assist with my bills or a man bringing more money into the household. Had I been properly notified I would have paid the requested monies due in a timely fashion. Also, please be advised I had just been released from the VA for my conditions, and was being bombarded from Doctors to ensure I was safe. Upon receipt of the notification today, when I realized the payment was due I made said payment and attempted to contact them to discuss the alerts not being made appropriately ( XXXX est ) and they were not in the office.
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
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: Date XX/XX/22 amount XXXX. Card not present purchase Fraud in store. Called and was told I had to go to store to prove who I was or I had to pay the charge. The company will do nothing until I go physically into a store ( during Covid ). Very rude and indicated thats there rule. I asked what if I did not live near a Nordstrom 's they indicated their decision on how to resolve. As of today they consider it my charge unless I prove, in person, who I am. In addition I must speak with a store XXXX.
Company Response:
State: CA
Zip: 92808
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A