Date Received: 2021-12-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a revolving account for {$2500.00} opened XX/XX/2006 that dispite all my efforts remains on my XXXX credit report when it is now XXXX years old ( statue in NJ/ ) is XXXX years and it was part of a fully successful bankruptcy discharge. The account is listed as TD Bank.
Company Response:
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: I opened my savings account with TD on XX/XX/XXXX in XXXX. had no issues till today XX/XX/XXXX when I realized a fee of {$4.00} was being taken out my account for each withdrawn/transfer to my checking account was made. of a total of XXXX charges since XXXX ( {$270.00} total ). So I called the TD banks line and I was told the fee was a government regulation, due to me transfer more than 6 times ( using electronic methods ) So I told she was wrong it was not a government regulation because I have a chase account and they don't charge, so she change her story, saying it was a TD bank rule that only allowed me to transfer 6 times a month without fee, putting more pressure on her, I learned that if I didn't want to pay any fee I had to go to a branch and used the ATM machine to transfer every time. So I went to the bank on XXXX XXXX and talked to a manager XXXX, I expressed my concerns with the fee and she told me it was on my contract, that I had signed for it when I first opened the account,. I told her I was never told of that ruled and it was not in my contract, I requested a copy of contract and she stepped out for XXXX minutes and came back with saying that the new rule was applied this year starting on XX/XX/XXXX. they said they sent a letter out to all savings costumer, which I did not received, she made to log into my online statement and pointed out it was written on top of my month statement ( in very lower caps, you can barely notice ) in the statement mentioned the fee but it did not mentioned that you could go to a branch and make the transfer without any fee using their branch ATM. She also showed a letter that was sent out to each client, which I never got it, the letter it is written in a large format, and you can read clearly, I believe they did not send to anyone that has a savings account with them that letter ( which does mention the no fee transfer at the branch ). I am looking to have the {$270.00} fee refunded
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a statement by TD bank about an opened checking account and I know this is a fraudulent account because I never opened it. I tried calling TD Bank but never got to speak to someone on their customer service line for about an hour after holding.
Company Response:
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a bank statement XX/XX/XXXX ( my prior name in XXXX and earlier ) for an account I did not open. I have never used TD Bank either. When checking XXXX, there was a notification that the account was opened on XX/XX/XXXX. I did not open this account. I tried to reach TD Bank but after waiting over an hour there was never any response. The closest branch is over an hour away to visit in person. This account was opened fraudulently and TD Bank reps are not reachable.
Company Response:
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To begin, I received multiple offers from TD Bank credit card services this year. XX/XX/XXXX of this year I finally gave in, and decided to see what TD had to offer me. The pre-approval code and notice received stated this would not impact my credit score. When going through the process it then indicated should I proceed it would impact my score. At that point, I ceased from continuing with the TD online process. However, I received a letter from TD Bank thanking me for my interest, and requesting that my application has not been completed. Furthermore, the letter states that there is more information needed in order to complete the application and make a decision. Concerned, I called on XX/XX/XXXX, and spoke to a courteous TD Bank representative XXXX approximately noon. I raised my concern that TD Bank did in fact impact my score, and report to the uncompleted process to the credit bureaus creating a hard inquiry. Unfortunately XXXX did not have the power to remove it from the bureaus. Needless to say however a point worth mentioning I take my credit & scores very seriously. I want this TD Bank inquiry removed immediately. My faith in the CFPB 's effectiveness when dealing with creditors, and legal professionals over the years sadly has waned. Which is why I will be also filing a complaint with FCRA. Without a doubt I am livid with the way the three major credit bureaus works more for the banks and merchants then they do with the actual consumers. I hope the CFPB will take this as seriously as I do although I no longer rely solely on the CFPB for proactive intermediary assistance.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
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: I made a purchase on my Nordstrom credit card. I ordered two boots in the amount of XXXX On XX/XX/2021. The delivery was made and left on the street. We live in a security building. The package was left outside the security building one the street. I contact the credit card company and Nordstroms to either reship my order or give me a credit. I have been given the runaround for a month now with no resolution. I want credit back for the package I never received.
Company Response:
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: A forged check number XXXX on XX/XX/2021 in the amount of {$6200.00} - with forged signature of non authorized signatory and forged check that looks nothing like the checks being used or used by account holder. The TD XXXX XXXX XXXX said they will not return funds for forged check. I was also in contact with branch manager who escalated the issue and TD bank said they will not return funds for fraudulent non authorized transaction. If TD bank does not verify signatory or checks issued what is the point of providing a signatory at account opening when no one verifies fraud on accounts.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
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: This account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. This was transferred to another lender so why is it acquiring late fees?
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I called to close my account with TD Bank on XX/XX/2021. Im going to be charged fees for not having funds in the account. I transferred the funds so I can close the account. They will not close my account and I dont want to be charged fees.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NORDSTROM/TD BANK USA & XXXX**** I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A