Date Received: 2022-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: *** REVISED*** PLEASE DO NOT DELETE THIS COMPLAINT The vehicle in question was never delivered to me the vehicle was delivered to a gentleman who worked on my credit back in 2018. Prior to purchasing my home in late 2018 I needed to build and repair my credit I contacted a gentleman who claimed to be " XXXX XXXX '' XXXX assisted me in building my credit well over XXXX 's and I was very happy with his service. Shortly after the purchase of my home XXXX stayed in touch and would tell me about his success in leveraging his high credit score to sign and drive vehicles and he had great connections at XXXX XXXX. I did not make a commitment to going into business with him but I was interested in signing and driving a XXXX. I did order the vehicle and the vehicle was to be delivered to my home at XXXX XXXX XXXX but once I signed for the vehicle that ddid not happen.Some how the vehicle was delivered to him which I dd not authorize or consent the dealership to do so XXXX shortly after confirmed that he was in receipt of the vehicle which upset me but he smoothed it over as a misunderstanding and he thought that I wanted him to the rent the vehicle. I contacted the XXXX XXXX Police Department and they stated that because I was never in possession of the vehicle I could not report it stolen I contacted the XXXX Police Department and I was told the same thing so I was put in the position to play it cool until I could figure out a way to get the vehicle returned because shortly after he notified me that he had the vehicle he became extremely hard to get in contact with and doing more research I found out that his name was not even XXXX XXXX. When I called XXXX XXXX they did investigate the issue with the delivery of the car who was done by a sales representative name XXXX and they are aware of who XXXX XXXX is but to protect themselves they pretty much just gave me the run around about what could be done to take the car out of my name. XXXX did pay the car note on the vehicle according to TD Auto Finance but at some point he stop making the payments and stop answering my calls overall so once the vehicle started to hurt my credit I reached out to my realtor to see if she could make contact and she was able to track him down and let him know not only was this fraud but that I would seek legal action he himself would not return the vehicle he made arrangements with some friend of his to drop the vehicle off to my home which is how I ended back up in possession of the vehicle. I have contacted TD Auto Finance to only get the run around from them and some representatives just dropped the line when I asked too many questions in regards to the loan. I have reached out to the credit bureau 's completed the identity theft affidavit and the account was removed from all of the bureau 's except XXXX. I have filled a XXXX complaint and the account still has not been removed from XXXX. The most helpful rep I spoke to was XXXX ( XXXX ID XXXX ) based on our conversation it came to my attention that XXXX had updated the account to only have his contact numbers the original number on file was XXXX and he then later changed the number to XXXX. XXXX which has never been my telephone number and also means that he made calls to TD Auto Finance and used my information to verify the account. I called in to TD Auto Finance and spoke to a XXXX XXXX He advised that there is nothing TD Auto Finance can do and that my best recourse would be to hire an attorney and sue XXXX XXXX which I am still in the process of exploring because when I call XXXX XXXX they now state that XXXX the sales rep no longer works there and now they transfer me to XXXX XXXX who then tells me to go back to them. I have done further research and I have found out that " XXXX XXXX '' real name is " XXXX XXXX '' and he is a career criminal who has spent time in the federal prison for identity theft. TD Auto Finance believes that I am responsible for this vehicle because I signed for the loan but I also have never been in possession of the vehicle due to fraud which should make our contract null and void in connection to the dealership failing to deliver the car to me. The police departments would not allow me to report the car as stolen because it was never in my possession and TD Auto Finance still hold me liable for a purchase that was never completed. When I purchased my home after I signed for my loan I received the house I did not receive the XXXX when I signed the loan for the vehicle. XXXX XXXX has used my personal information to alter the account and channel communication to himself instead of myself which is both fraud and identity theft. Please see the attached identity theft affidavit, letters, XXXX XXXX criminal record for previous identity theft, and as of today instead of reporting this matter as auto theft I have filed a new police report claiming identity theft instead. ADDITIONAL INFO : Please see that XXXX XXXX switched the contact information including the address to his address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX which matches the address on his criminal charges which I have also attached he was formerly charged with XXXX XXXX XXXX and Personal Use of ID. The application of TD Auto Finance records is not the application that I completed the signature does not belong to me. The telephone number does not belong to me as mentioned earlier I have never had a XXXX. I have never worked for XXXX University I am 100 % XXXX XXXX Veteran. Please compare signatures from my ID and XXXX.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
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/21, I filed a dispute with Target Red Master card against a surgical center by the name of XXXX and XXXX XXXX. I initially filed the dispute because of an extreme botch surgery on XX/XX/XXXX as well as being over charged. I tried to reach out to the merchant to resolve the issue and get clarity during the healing process, but the company was of no assistance. Since the dispute process has begun, the target Red card dispute department has done nothing to investigate the case. I have called over 20 times to follow up, sent multiple documents/photos/emails and have not gotten any update on the dispute. The proper protocol is for the dispute team to contact the merchant and to provide a temporary credit while investigating, but none of which has been done. I finally got an email from the merchant stating that they would be willing to refund and I still have not gotten a credit from Target master card. The process should take no more than 60 days and it has been well over 90.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Back in XXXX of 2018. My husband filed for XXXX XXXX bankruptcy protection. Because of this I had a credit card that was erroneously closed because my husband was an authorized user. The creditor, TD Bank/XXXX, at that time immediately closed my account and reported the account as charged off. Under standard bankruptcy law. Once a debt is under an automatic stay. All collection activity must be stopped. Reporting accounts as anything other than included in bankruptcy would be a form of collection activity. As the creditor is clearly trying to compel payment of said debt by reporting the information in a negative fashion. While Ill agree this is not my bankruptcy. The creditor chose to include themselves in this bankruptcy. My husband was an authorized user on this account and his information was never used in the determination for credit approval. This account up until this moment had always been paid in time with no negative reporting taking place. But XXXX upon learning of my husbands bankruptcy opted to show at the meeting of the creditors and opted to include this debt and in his bankruptcy. By doing so they subject themselves to the requirements of the bankruptcy. They are obligated under the bankruptcys automatic stay to cease all collection activity. I have tried on multiple occasions to dispute this item on my credit report. I have presented evidence to the credit bureaus that this item was included in a bankruptcy proceeding. However nothing is ever completed or updated accordingly. This item continues to report as an active charge off on my credit file. Even though XXXX clearly expects to be either be paid or discharged through this bankruptcy proceeding. This item should be removed as being wildly inaccurate concerning my payment history. As I have paid this account on time every month. It wasnt until they chose to subject themselves into a bankruptcy proceeding that they closed the account and reported as a charge off. They could have opted to remove the authorized user and keep the account open and continued receiving payments.
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received notification from my credit monitoring service that an inquiry was made of XXXX in my name using my SSN and a credit card was issued by TD Bank. I immediately placed a freeze and fraud alert with XXXX, XXXX and XXXX, and notified TD Bank that I had not applied for any credit card. They informed me that a credit card was issued using my personally identifiable information ; name, SSN, home address. They told me that when I received the credit card to destroy it and they put a block on the account. This afternoon, XX/XX/22 at XXXXXXXX XXXX I received the credit card and also a book of checks for an account set up at TD Bank. I did not request either a credit card or a checking account from TD Bank, so apparently whomever applied for the credit card set up a checking account as well. The name and address on the checks is my name and address, but the phone number is different. I XXXX the telephone number ( XXXX ) on the check and it is listed to a person by the name of XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX MA. My middle initial is not XXXX, and my telephone # is a VT area code XXXX. TD Bank keeps sending me in circles with the automated help lines that have not provided any information on the checking account. I have confirmed the credit card has been blocked but have not been able to obtain any information on the checking account ( number XXXX ).
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I want TD Auto Finance off my credit report all together. This is Unauthorized and unverifiable. According the FCRA this account is unauthorized and it must be removed asap or Im filing a law suit.
Company Response:
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: New inquiry on credit report from TD Bank, new account taken under my name fraudulently. I reported the issue/fraudulent action to TD Bank and they advise to follow a victim of identity deft through FTC. This is the seventh time a scammer is trying to use my personal information to apply for service fraudulently under my name. I keep reporting the fraudulent action to the companies, but it doesnt stop. Please help remove this inquiries from my information. Thank you.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was scammed by a bitcoin scam. As soon as I paid scammers I realized I was being scammed. Even though payments were pending bank said they could not cancel payments. The bank is TD
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank became my mortgage servicer on XX/XX/2021. I am unable to use TD Bank 's online banking services to monitor my account without opening another checking or savings account with TD Bank. These other accounts are not free as they require a $ 10 monthly service charge or minimum deposit. In effect, my mortgage account is being held hostage by these predatory banking practices which require me to open an account to monitor my mortgage account. I have attempted to contact TD Bank at the local branch level and through XXXX customer service. Local branch service does not know how to solve this problem and XXXX customer service transfers me to the mortgage department whose mailbox is always full. I do not believe it should be a requirement to open another account to access my existing accounts. I did not have a choice in who became my mortgage servicer and I now believe that TD Bank is engaging in predatory banking practices. It is very clear from the screenshot from the attached online banking signup webpage that TD Bank requires an ATM card linked to a checking/savings account in order to use online banking. I am being locked out of monitoring my mortgage account to include accessing my tax forms associated with my mortgage.
Company Response:
State: MD
Zip: 21784
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX TD Auto Finance put a negative 30-day late payment on my account. I have been paying the same, fixed amount every month for over 6 years. After reviewing my payment history provided by TD Auto Finance it clearly shows that NO payment was ever 30 days late. My final payment was due on XXXX and it was paid on XX/XX/XXXX. I contacted a supervisor and was told that typically clients are supposed to get a statement for the last month of the loan but since I had auto bill pay set up those statements didn't generate. The supervisor also said that it was unusual I didn't get contacted because after looking at my account there was never an email, statement or phone call sent to update me on the balance ( they had my correct contact info on file ). This is clearly a TD Finance error and TD Auto Finance recognized it on their end because they removed the late fee. However, they are still reporting a negative 30-day late mark on my credit causing My score to drop over XXXX points because of their inability to properly & transparently bill their clients. Now I can't get a mortgage due to this unfair situation.
Company Response:
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureaus are reporting inaccurate information on NORDSTROM/TD BANK USA . Per FCRA, reporting must be 100 % accurate or the information must be deleted. NORDSTROM/TD BANK USA XXXX XXXX {$570.00}
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A