Date Received: 2021-12-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On Mon. XX/XX/2021 at appx. XXXX I was purchasing a mobile cell phone on XXXX XXXX official website. There was an option to buy it in full or choose a payment plan. I chose a payment plan and the next screen asked for my personal information for XXXX financing. Nowhere did it mention I was applying for a Line of Credit or CC or that they would pull a Soft or Hard inquiry to my credit report. In fact, the previous screen showed verbatim " this will not impact your credit score ''. After submitting the page with my personal information, the next page showed the last 4 of an acct. # with XXXX XXXX card services, and a " credit limit '' of {$4500.00}. At the bottom of the page it said Submit Order. Around that same time, at XXXX, I received an email notification from my bank ( XXXX ) that my credit report had been viewed by someone and my score was impacted XXXX points. When again, XXXX 's website said my XXXX XXXX wouldn't be impacted. I was also alarmed by the line of credit reflected on this screen before submitting my order. As again, there was no disclosure stating I was applying for a Line of Credit or CC. So I closed the browser window and never submitted the order. Unfortunately I hadn't had the chance to screenshot the pages but thought XXXX could help me address this. I used XXXX 's chat feature through their website that same night at XXXX to ask. After explaining, the chat agent said they'd connect me to a higher tier. I was placed back in que until XXXX, it said an agent was connected to me again, and this agent said let me connect you to a supervisor. A supervisor was connected finally and said it's the XXXX dpt. and provided a #. I called that exact # and was told it was the XXXX XXXX #, they couldn't help me, I need the XXXX XXXX. and transferred me to them. XXXX said it wasn't them, they only deal with processing orders, they said I needed XXXX dpt. which is what the chat agent promised me was that # in the 1st place. So Ecommerce transferred me to what they said was XXXX XXXX and an agent from TD retail card services said XXXX, don't work for XXXX, they're simply the bank XXXX uses and she couldn't help, that I had to resolve the Credit pull/complaint through XXXX 's ... XXXX DEPARTMENT. I told her that's why I was transferred to her, because XXXX said this was their XXXX XXXX.! She said again, we don't work for XXXX, you have to go through them. I said there weren't accurate discolures to open YOUR acct. however and she said that's something to dispute with XXXX financing and/or if they have a complaint/compliance dpt. which I also can't find or get a hold of. I tried to find either of those through XXXX more channel with XXXX which is a text option. " Text with a XXXX XXXX '' they call it. I tried that today, XXXX. XXXX XXXX 2021 at appx. XXXX and had to go through an agent to their manager who said they couldn't connect me to either of those and the agent XXXX said she couldn't provide a # to corporate " at this time ''. I asked why not and no reason was given, just a sorry for your inconvenience. So an endless loop where I can't resolve the issue with the direct XXXX ( XXXX or TD retail card services, who are the ones that show as the company that pulled the credit report ). I have transcripts of the chats and texts and call logs from my phone showing XXXX and longer calls with several different XXXX department/customer XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
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: i have contacted all XXXX credit bureaus as well as TARGET/TD XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$320.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be...
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX, XX/XX/ 2021 I received an email regarding a purchase of XXXX which I knew was an error as I had never made a purchase of this kind. I attempted to logon to my banking account online and found that my username and password no longer worked to access my account online. I went out to retrieve my tote from my rental car only to discover that it had been stolen and within it my laptop, cell phone and wallet with my debit card and my driver 's license. I called my bank, TD, and was notified that there were numerous pending transactions against my account. I informed them of the situation and explained that I couldn't receive a security code to my device as the thieves had access to this as well. I asked the agent to have the account frozen until I could go into the branch and speak to someone in person. I began the process of reporting the theft and as Monday was a bank holiday I went into my branch on XXXX, XX/XX/XXXX, to discover the extent of the fraud, close the account affected, open a new account and receive instruction as to how to proceed. Following the instructions I received from the branch I immediately filed a police report and waited the ten days to receive a copy and returned it to the bank. In the meantime, the bank had almost immediately denied my fraud claim and when I inquired I was told that once I had the police report in hand the matter would be resolved. The day the report was released I obtained a copy and returned to my branch. Again, no provisional credit was given and the claim was denied. The bank informed me this denial was because I had indicated a suspect on the police report, who I had known five years previously, but had just been contacted about by another county 's sheriff 's department. The bank insinuated that the personal link between myself and this man left my involvement in the fraud in question. I informed them that my laptop repopulated the username and password and they denied this was possible on their website. I was told I would need to prove that by going into the branch and having a bank employee witness and file an affidavit. I did this immediately and the branch employee graciously complied though the branch manager informed me that they were no longer able to help me with this matter and to call the bank 's 1-800 number in the future that the matter was now beyond the branch 's ability to help. Once again the claim was refiled nearly automatically denied because of the tie to the possible suspect. They informed me that because I had once had a personal relationship with this person that I would need to pursue the matter civilly. As I did not know whether this man was or was not involved in the theft I contacted my county 's sheriff and was informed that the vehicle had been recovered and that nothing tying my suspect to the crime had been recovered. Again I phoned my bank and informed them of this development and made yet another claim and was informed by the agent that getting a new police report that separated the car theft from the fraud would most likely solve my issue with the automatic denials. Immediately set about reporting the fraud as a new crime and had a new report to the bank branch approximately 10 days later. Again, the claim I had made by phone had been denied before I was able to obtain the police report and so I had to again refile the claim. However, I was certain that at this point I had jumped through the various hoops that my bank had set for me and that at last the claim would be accepted and a provisional credit issued. It is fair to say at this point I was desperate for a resolution as it had been two months that I had been without funds and all of my utilities had been cut off and I was at risk of losing my home. I have just found out that again the claim has been denied because the account was used for XXXX and XXXX purchases during the time that the card was no longer in my control. This is easily explained as my card is tied to both services through their app and was accessed and used without any need for the physical card. I excluded these charges from the fraud claim as I thought they could be legitimate charges made by my child who is away at college. I have refiled my claim and marked it urgent but have yet to hear back from my bank and do not, more than two months later, expect any sort of satisfactory resolution of this situation.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: This complaint is being to the Consumer Financial Protection Bureau because my personal information were used to open fraudulent accounts with multiple entities. This entities include retail rewards cards and credit cards with financial institutions that I never dealt and done business with. I have contacted the credit reporting agencies as required by law to inform them and have them remove the fraudulent accounts from my information. However, XXXX and XXXX refuse to cooperate with the fact of the matter. I have followed every step they have advised me with, I contacted them, I contacted the Federal Trade Commission and filed an identity theft report to have these fraudulent account removed from my records. Yet, they have done absolutely nothing and refuse to do anything. By law, they are required to take action once they receive official government document that is filed with the Federal Trade Commission and have the fraudulent accounts blocked. I file this complaint against, XXXX, XXXX, XXXX XXXX and Nordstrom regarding the fraudulent activities that have been appearing on my credit records without my consent and authorization.
Company Response:
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX my credit card charges on my TD credit card were declined. I called in to validate and determine the issue and they assured me it was resolved as they verified me with my phone number. The following morning my card was once again rejected, I called back and was unable to authenticate stating they had a different phone number on file even though my phone number has not changed. The agent said only option is to fax documents over including XXXX forms of ID ( no need for SSN ) and a utility bill. I asked them how long this would take as I needed the card and they told me if I send to this fax number should be within 48hrs. I did it right away and want to fedex office and paid to get faxed. I called back and they said they didn't receive and not to use the fax number I was provided and instead use a different one. I was confused and went ahead and faxed it in to new number and then called back in 3 days. They said they received it and now said they need my SSN even though initially I was told its not needed and once they have that it will be approved in 2 days. I called back in 2 days and they said there's no update and to call back in a couple days. Each of these calls had a hold time of 1-2hrs ( not exaggerating ) and so I did. This happened 3-4 times and they said there's no update, I even faxed my original credit card application to show there's only XXXX phone number and its never changed. It's been more than XXXX months and since I'm unable to access my account and have e-statements I can't see details of past transactions or balances yet I'm still required to pay it on the due date. In addition my utility bills that are on automated payments have bounced back and I'm allowed to redeem my rewards. When speaking to customer service they say all information I provided matches the account and there's no reason fraud department can't unlock it. They even transfer me to fraud departments saying it's all validated and I'm then told fraud department and customer service don't use the same phone number on the account and I simply couldn't understand that. TD fraud departments seems to added a phone number to my file without my knowledge and now I'm locked out for no fault of mine. I've invested so much time trying to resolve this but only had run around and they even state they'll call me back but have never done so over the 1 month period.
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made an {$20.00} ATM deposit on the night of XX/XX/17 at TD Bank XXXX XXXX XXXX, XXXX, NY XXXX. They are reporting the deposit was made on the XXXX and I have yet to have access to my money. I also haven't been able to open an online profile to see my account because they are forcing me to call and have someone do it for me with no explanation why I can't do it myself to protect my personal info.
Company Response:
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
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 XXXX XXXX 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 The 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 XXXX 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. XXXX bal. {$690.00} 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 XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had sent over a complaint and when I received my response some important information was not considered. I have been calling the number on the letter and have sent emails but no one responds. This is an issue with td bank which their employee gave me incorrect information on a check ( stating that it had cleared both banks ) while in fact it had not cleared XXXX XXXX bank and it was a fraudulent check. Td bank has confirmed with me that their employee gave me the wrong information but are not taking responsibility for giving me the incorrect info. I need to speak with someone directly.
Company Response:
State: NY
Zip: 11572
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: TD Bank has violated my fair right to dispute wrongful transactions on my account. This is because they do not want to provide their customers with provisional credits until the dispute is resolved. This is the 2nd dispute Ive had problems getting resolved with this bank. They are quick to deny their customers claim without giving the customer a sufficient amount of time to provide proof of their dispute. And when proof was provided the claim was still denied with no real reason. Approximately on XX/XX/XXXX, I had to open a debit charge dispute for the 3rd or 4th time. Due to the fact that TD bank denied my previous claims. In each dispute I filed over the phone. I stated that the Merchant called XXXX is a rideshare rental app that allows you to rent cars from other private car owners. The app requires you to pay a small refundable deposit every time you rent the car or extend your rental. The XXXX app also states that the renters deposit will be refunded once the rental is returned with no issues caused by the renter. Any toll fees or parking fees will be deducted from the rental deposit. However I never received my deposit back and XXXX deactivated my account after I was charged an additional {$31.00} for toll fees. I requested an itemized invoice but the company never responded to my emails in regards to my request. This company turned back around and tried to charge my card again for {$270.00} ; which did not go through because my debit card was locked and I ended up requesting a new debit card because of the attempts to charge my card for different amounts without my authorization. This was the first incident I had with the TD Bank disputes department. The most recent dispute was filed on XX/XX/XXXX at XXXX ; against the XXXX XXXX XXXX XXXX XXXX XXXX I carefully explained this new situation with the customer service rep so that she could file my claim correctly. Because I put a down payment on a car that was supposed to be deducted once the dealership was able to obtain suitable financing as they promised. I never received the car or the financing. Therefore, I wanted my money back and the dealership refused to refund my money. This transaction turned out to be pretty much a scam because the dealership refused to refund my money for their product and services, I never received. However, TD Bank took less than 24 hours to deny my dispute with no proof from me or the merchant that shows any signed contract that gives the dealership the right to keep my down payment for a car I never received. I believe they denied my dispute to avoid giving me a provisional credit, which has put my account in the negative status. So that they can charge another {$35.00} insufficient funds fee. Like they did with my other dispute that they keep denying. And to make the situation worse. I had to actually call the customer service dept to get an update on Friday XX/XX/XXXX. And thats when I was told that TD Bank called the merchant and they stated that the {$1500.00} was non-refundable based on Terms and conditions I agreed to. TD Bank never tried once to contact me or give me the opportunity to show proof that the merchant was lying and trying to run a scam. I had to refile my dispute again on Friday XX/XX/XXXX. And I went to my local branch on Saturday XX/XX/XXXX to provide a screenshot of the text messages the dealership finance manager sent to me. The finance manager stated that the dealership would be more than happy to refund my money but they still havent attempted to refund my money yet. And they had plenty of opportunities to do so already. After I provided proof to my branch manager he faxed over this information to the dispute department. I then went to the dealership in person to attempt for a 4th time to get my money refunded back to me in person. I was given the run-around again, and this time I was on the phone with a TD Bank rep . I gave verbal permission for the customer service rep to speak to the sales manager in regards to my refund. The sales manager told the bank rep that they can refund my money if I cancel my dispute. However, their card processing company charges a 3 % fee, which is about {$45.00} that they would deduct from my refund. The bank rep agreed with me to keep my dispute open so that I can get the full amount of {$1500.00} refunded back to my account
Company Response:
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In a nutshell in XXXX of last year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX realized someone had access to my information as I have been removed as the business owner from my small business phone plan with XXXX. After XXXX months of investigation they tried to charge me for the month 's prior, I left. The second flag is towards the end of the I decided to look into the possibility of opening a small business though to increase the size of my business. Even though my business had never had a loan of any kind it was old enough to the point where it had finally achieved having a XXXX XXXX XXXX number. I was not eligible for around however and it said that I currently have a loan out that I have never made a payment on I was able to view the credit report instantly for the first and only time a business gets a free credit report. I called and inquired however they did not know who the loan was through and they asked if I would like a copy of the report which of course said yes to, and I never received it. The loan amount was substantial. Another couple months later I suddenly receive a bank statement from a bank I have never had an account with. It was {$98.00} balance on the account but it was accruing penalties as the minimum amount to have on the account is {$100.00} without fees. I was able to call and make a little headway finding out that they were only XXXX transactions on the account, and I unfortunately was not in a place to write anything down but I recall it seemed like a similar amount for the missing amount from my unemployment and for the small business loan. TD Bank is the holder I guess primary checking account that is indeed with my name and social security number. However after it slips that I was not the person to open this account they immediately froze his account but also refused to give me any further information. The police report was filed, but the only statement I have is because the account went below their minimum, even though when I have audibly heard the transaction it was for significantly more. So unfortunately the police are not able to assign an investigator to the account because it has to be of at least {$1000.00} and the only thing that they have proof of is my {$88.00} that is remaining!
Company Response:
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A