Date Received: 2021-11-18
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 am filing a claim because I Placed an order with my XXXX XXXX that is issued by TD Bank. I placed a XXXX Order # XXXX, and the package was lost with XXXX, and then the box was delivered with obvious signs that my box was tampered with. XXXX is refusing to give me a refund on the order because they packaged the XXXX watch properly. They may have packaged the item correctly, however, my watch was stolen, and what was delivered to my home was a box of paper clips. For the past three weeks, I have asked XXXX to provide me with a waiver for XXXX or process a claim with them, and they have refused to do so. XXXX has stated that the proper protocol is for them to reimburse me, and then file a claim with them so that they are able to get their money back through XXXX. Or they are able to provide me with a waiver so that I can deal with XXXX directly. XXXX has stated that I am not their customer. They have a contract with XXXX, and I did not pay for shipping so everything is relying on XXXX to contact them and they have refused. In the meantime, I am a customer that does not have an item that I paid for. I am not offered any protection through my XXXX Card, and I reached out to TD Bank because they appear on my credit report. I have contacted XXXX Several times to provide a waiver, but the bottom line my credit card should have some type of protection, and since TD Bank has issued the credit card they should be able to look into it. I called them and they refused to talk to me saying they do not service XXXX Credit Cards anymore, however they are responsible because I got the card through TD Bank, and they are still reporting on my credit report.
Company Response:
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A bank account was opened under my name at TD Bank. So far I don't see anything else being opened as such and no funds are missing from my account. I was able to call TD Bank and get the account closed. It seems this was opened on XX/XX/
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XX/XX/XXXX td auto finance sent delinquent letter saying i purchase automobile thats 3 months delinquent i told him i never purchase an automobile i have a perfectly running XXXX XXXX the man said he will send me fraud papers over nite inever heard no more i call several other times to be talked down to and say i signed a buyers order i could never get this straight with the company so i was force to do a chapter XXXX when i went to court i ask my lawyer why i could not tell the judge about the car from td auto finance and he told me the judge wasnt interested in the formality of the bill i found out this was on my credit report when i try to buy a car XX/XX/XXXX when XXXX XXXX total my XXXX after hurricane this start me to clear this so i can buy me a car the company keep saying i purchase a car thru that company XXXX and td finance did fraud with my information
Company Response:
State: LA
Zip: 70117
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting in my 3 Credit Bureaus. The account was placed as a charge off account and has and indicating balance in the statement. There is no payment history that shows a month and year that the account made a late payment. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. TD BANK USA/TARGET CREDIT C XXXX XXXX XX/XX/2016 Balance {$590.00} TD BANK USA/TARGETCRED XXXX XXXX XX/XX/2016 Balance {$590.00} TARGET/TD ***** Opened XX/XX/2016 Balance {$590.00}
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is in fact registered as a charged off account ; I highly recommend you make me aware the actual reason why there is a balance detailing on the file whether it is a charge off? The account balance is in fact erroneous, please make sure you turn it to XXXX or remove the item absolutely. Please also furnish documentation to confirm all the charges and credits with this assumed account that led to the maximum credit figure you might have showing on my document. My request to render these records is seen as a standard information inquiry based on my rights given from the fair credit billing act. If you can't provide these details per my civil rights request, give pleasure to straightaway eliminate this kind of incorrect entry. NORDSTROM/TD BANK ***** Opened XX/XX/2014 Balance {$610.00} NORDSTROM/TD BANK XXXX XXXX XXXX XX/XX/2014 Balance {$610.00} NORDSTM/TD ***** Opened XX/XX/2014 Balance {$610.00}
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone using some of my personal information and related information was able to open a checking account and have checks issued. The reason we found out is that the checks were shipped to my home. Whoever opened the account used my name and the hypentated name of my ex-wife. I called the bank ( TD Bank ) and they told me that the matter would be investigated and the account closed if found to be fradulent. They did not provide me with any additional information nor any assurance that there would be cover for any financial loss. In adition, they advised that contacting any government agency or law enforcement would be pointless.
Company Response:
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My XXXX XXXX XXXX was financed through TD auto finance on XX/XX/XXXX and paid off sometimes in XXXX. Since the car was paid off TD auto finance has refused to release the title of my car. I have made several calls to this organization and was lied to by their staff that the car title is released. However, every time this organization makes such false claims DMV records show TD auto finance still holds a lean on my car, fraudulently. I have wasted hours to talk to representatives at TD auto finance and days at the California DMV to determine what the problem is. I feel like I have been targeted by this organization and discriminated against. I was unable to trade in my car yesterday, XX/XX/XXXX, due to TD 's purposeful discriminatory acts and I was humiliated at the dealership.
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the account in question : NORDSTM/TD XXXX Balance : {$4900.00}
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my report and saw this account on in that I have no knowledge of
Company Response:
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I notified TD Bank Credit Card that I will be traveling to XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. However, during this period, my credit card was abruptly turned off. From a correspondence received after XX/XX/XXXX : Per TD Bank : In our efforts to protect and better serve our cardholders, we continually monitor our credit card accounts for transactions which occur from fraudulent useWe apologize for any inconvenience this may cause I verified all transactions with TD on Sunday, XX/XX/2021 per my conversation, with the TD Bank representative, she reassured me that my bank card would be turned back on. Unfortunately, this was not the case. I was stranded without any available credit card for use for hotel and transportation stay. I succumbed unnecessary fees as a result of this inconvenience. I also TD Bank on XX/XX/2021 that I would be traveling to XXXX from XX/XX/XXXX to XX/XX/XXXX... I didnt want my credit card to be turned off.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A