Date Received: 2022-01-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In 2018 we had a car and entered bankruptcy. The auto loan company never approved a debt reaffirmation and repossessed the vehicle in 2018. They sold it and left a balance. We were unable to pay so it was charged off. We live in NC and there's a 3-year statute of limitation. We never had contact with the debt XXXX. Recently I noticed my credit score dropping as the charged off balance was " increasing '' every month. We disputed it with XXXX. As we were waiting to hear back about the dispute, the debt was all of a sudden " Reaffirmed '' on all three credit reporting agencies. We never had contact with the debt collector and we never reaffirmed any debt. We tried contacting XXXX but they stated they only report what the debt collection company tells them. I can't do anything about it. TD Bank was the debt collector.
Company Response:
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Bank account opened with TD Bank. My XXXX reported it and I contacted the banks fraud department to report the issue. I received two emails from TD Bank that welcomed me to my new account.
Company Response:
State: MD
Zip: 209XX
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: TD Account # XXXX. This relates to a formal complaint XXXX and an answer is required as it follows a response from the bank which I am not happy about. The issue explained by the bank is that my ex-wife at time of the divorce years ago did not acknowledge the transfer of the deed from ( me and her ) to myself. I do not understand why the bank is aware that the deed was supposed to be transferred to me, this is a mystery. I clearly remember receiving paperwork from the county clerk testifying to the fact that the deed has been transferred to me. It is very late in the game to discover this. If the bank figured this out, how in the world this mistake was not discovered at the time of the incident ( my wife not acknowledging the transfer ). Who do I believe? the clerk? TD bank and who is supposed to tell me? How was I supposed to find this out? And, foremost who is responsible?
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I made a furniture purchase from Raymour & Flanigan in XXXX, NJ. The total of the purchase was {$7100.00}. This amount allowed me to participate in a 36 month no interest financing promotion. XXXX months later I made a second smaller purchase on the same line of credit for approximately {$300.00}. This purchase was made through XXXX XXXX XXXX 's website because XXXX had shut the physical stores down. My account was set up on Auto pay so my account was always paid on time and this was confirmed by the financing company TD Bank. After 8 months of timely payments I then received a notice that my account was charged all the back interest. This is not the promotion I signed up for. I was told multiple times by the Salesman ( XXXX XXXX, XXXX, NJ ) that I was under a 36 month no interest promotion. I contacted both Raymour & Flanigan and TD bank numerous times in attempts to have this resolved before it spiraled out of control. Each time I tried I was either transferred repeatedly or thrown on hold with no head way made at all. My account went into collections in XXXX of XXXX and was eventually charged off in XXXX of XXXX. During XXXX I was attempting to rectify this situation so I could repair the damage it had done to my credit and as stated earlier I was unable to get anything accomplished. All I am looking for is to have the derogatory marks taken off my credit file and all late payments removed from my report. I am willing to pay exactly what I owe to this company MINUS the inappropriately applied interest. I understand my financial obligation to Raymour & Flanigan and also TD Bank so I do not dispute the principal owed to them. I am simply requesting that the error committed by them be taken care of in a satisfactory and timely manner. This has caused me and my small business unnecessary stress given the toll it has taken on my credit score.
Company Response:
State: NJ
Zip: 08302
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX - My bag containing my wallet w/TD Bank XXXX XXXX ID, Tile Wallet card ) phone ( w/ TD Bank app, XXXX, XXXX XXXX, XXXX XXXX, XXXX apps ) and Account Numbers fell from a XXXX carriage and was stolen on XXXX XXXX in XXXX XXXX. XX/XX/XXXX - Emailed my domestic partner informing her of the theft and loss of all of my items ( attached ) XXXX - Fraudulent Transactions ensued between the dates of ( see attached XXXX, XXXX & XXXX ) Charges brought my account from + {$2000.00} to - {$750.00} ( ACCT NUMBER : XXXX ) Transactions occurred across both XXXX and XXXX boroughs and several municipalities of New Jersey at businesses of which I have no prior transactional history prior to the fraudulent charges. XX/XX/XXXX : Corresponded with XXXX XXXX & tracked my wallet and phone 's location. The wallet 's location changed frequently and later I would find correlated with the locations where the fraud transactions took place. XX/XX/XXXX1 : ContacteXXXX TD Bank Fraud support and outlined the above events. They did not open a new fraud claim and asked that I visit a local branch for support in the matter. XX/XX/XXXX : Last of the fraudulent charges process ( after I had already alerted the bank. XX/XX/XXXX : Visited Branch located at XXXX XXXX XXXX and audited my account with a teller outlining the items in fraudulent charges from my transaction history ( eg liquor store charges, takeout services, taxis, exuberant charges made at XXXX, etc ) Also went through and highlighting in yellow the charges that fell within that date range that were authorized by me ( eg subscription costs, transactions where I used the card saved on laptop to make purchases ) and outlining the Overdraft charges in red ( see attached ) Left the account open in order for the claim to process, received copies of my report and started claim process. XX/XX/XXXX : Closed the checking account # XXXX and opened current account # XXXX in order to retain my paycheck deposit, which was almost completely consumed by both the transactions and the subsequent overdrafted charges repeatedly issued by TD Bank during both the dates of the crime and post-filing dispute. XXXX : Followed up both by phone and had several follow up appointments at the branch location. During this time frame my first dispute claim was denied on the basis that I'd authorized transactions during that time frame, even though I'd walked the teller through those authorized transactions as stated previously. XX/XX/XXXX : Filed a police report with XXXX 's XXXX Prescient and provided Detective XXXX with the following ( also attached here ) : My Government Issued ID TD Transactions from XXXX TD Fraud Claim Initiation Report for Purchases TD Fraud Claim Initiation Report for ATM Withdrawls Wallet location report from Tile Tracking Device inside stolen wallet My work message history from XXXX _ ( since the bank doesn't believe this was fraud ) _ Proof of Employment TD Bank 's Letter Denying my Fraud Claim Stolen Phone Claim Receipt ( XXXX Evidence that my bag was stolen ) The XXXX officiated the crime committed against me as a felony, Grand Larceny and began investigation. XX/XX/XXXX - Filed complaint with FTC and FTC sent letter on my behalf asking for a follow-up on my request to " Restore any funds withdrawn from my account without my authorization. '' XX/XX/XXXX -present - Never received a written response from my letter, never received compensation for the funds lost, nearly lost my home due to financial destitution caused by these events, never received compensation for the I opened the case back up two more times, sent them the police report along w/Tile Tracking history and XXXX XXXX XXXX XXXX XXXX XXXX email history, meetings, and other communications proving that I was working in XXXX throughout the dates on which fraud occurred. I also sent them the three credit freezes and identity theft reports issued to all three credit bureaus, alongside an affidavit for my stolen phone containing my banking information. They have repeatedly denied my requests to communicate with the 3rd party repeatedly denying my dispute claims, therefore denying my rights to represent my case.
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have received 4 different letters in the mail, from 4 different companies ( Target, XXXX some outdoor store in OH, and XXXX ), saying that either the application was denied due to credit score or lack of information. One application said it was approved, and I still need to contact them to close it, but need to wait until after the weekend. I unfortunately didnt keep the paperwork after calling the companies, so I dont remember the exact dates, but they were all around mid-late XXXX 2021. All of the companies filed a fraud report and closed the accounts that I received letters for.
Company Response:
State: MI
Zip: 493XX
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XXXX XX/XX/2022 I received a bill via email for a amount due of XXXX nothing stated the payment was past due or.no other email was sent saying my account was past due I saw it from XXXX my payment was last do to covid declared lack of hours I never had a miss payment for them. I called the company but was informed that they can not do anything unless if it was an error on their end.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check in the amount of {$8700.00} into my checking account on XX/XX/2022, at a branch. The bank associate advised a few days for the check to clear, and that {$100.00} would be available that day. The {$100.00} was never made available, and the check has been on a " Special Hold '' that the bank manager advised was " random '' ... that the fraud dept does this with checks. It was a check drawn on a local bank, but I was told that when they called to verify if the check cleared they would not give that information over the phone. I explained to The TD bank Manager ( XXXX ) that it was funds paid to me to cover medical expenses after a fall I had at a XXXX XXXX. XXXX XXXX employs XXXX Claims XXXX XXXX to handle these claims..they processed the check. She advised me that if I had them forward documentation that the check cleared their account, that my funds would be released to my account. XXXX XXXX, the claim manager that sent me the check, advised me the check cleared their bank on XXXX XXXX. I provided that documentation to XXXX on XX/XX/XXXX. I had the Claims Manager that handled my claim email it directly to XXXX XXXX XXXX XXXX - email : XXXX. XXXX has still no released my money. I have made numerous calls to the bank only to be told that there is nothing they can do. I have medical bills to pay and do not want my good credit ruined because XXXX is inefficient and inflexible in handling their business.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received blank checks in my name from TD BANK on XX/XX/2022. I do not have an account with TD bank. TD bank closed the account and reported it as fraud.
Company Response:
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A