Date Received: 2021-10-20
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: We have account with the TD Bank for many years and we were always considering ( because of the TD Bank marketing and advertising ) that this bank is one of the big and serious banks in US ( knowing that it is a originally XXXX bank ). So far we didnt have any problem with TD Bank XXXX Until XX/XX/2021. On XX/XX/2021 we went in person to TD Bank branch located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX, to request to make an international wire transfer of XXXX Euro from our personal TD Bank account to an escrow account of Spanish Attorney in XXXX ( Bank XXXX ) to complete a purchase of our apartment in XXXX. TD Bank charged us a transfer fee of {$50.00}. Other banks are charging much less for international transfers. It is expensive, but lets say that is is reasonable. Then TD Bank asked to pay a fee of {$17.00}, that is supposed a fee that is charging XXXX Bank for receiving a money transfer. Let 's say that is is reasonable as well. In the end it was not true, because the Bank XXXX asked through the XXXX Attorney for much more money after the transaction completed. TD Bank charged us {$91000.00} for the money exchange + {$50.00} fee + {$17.00} fee. Two days later we decided to consult other two banks where we have a personal accounts with and asked them how much would cost us to do the same with them, to our big surprise, both banks told us that we would pay around of {$88000.00}. We were in shock to realize that TD Bank stolen from us close to {$3000.00}. TD Bank is publishing online that they have an exchange rates that are on par with other banks and that is not true. How you can charge a customer close to {$3000.00} more that any other American bank without disclosing something like that to the customer? We would never in millions year imagine that TD Bank can do something like that knowing that they are charging crazy high exchange fees in comparison to another US banksXXXX Bank never disclosed that the TD Bank has limited licenses for many activities and is using another American bank to do some transactions. We were trying to contact the branch manager. Assistant manager of the branch informed us that the branch manager is not available and that she can not help us anyway. She offered us to refund {$50.00} fee??? She told us that TD Bank used the XXXX XXXX XXXX XXXX to do our transaction. Wire transfer info : Date : XX/XX/2021 Sender reference : XXXX Beneficiary : XXXX XXXX XXXX, XXXX Bank to bank info fields : XXXX Real estate settlement buying an apartment XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I Filed a CFPB Complaint # XXXX in XXXX against TD bank in their response which is on record they stated that they run my credit to obtain my credit report during the investigation without my consent this is a violation and identity theft. They proceeded by saying i was disputing another account and obtained my alleged place of employment they infringed on my consumer right to privacy, They then had their logo displayed in the response letter which is a violation 15 USC 1692F ( 8 ). TD BANK IS CIVILLY AND CRIMININALLY LIABLE FOR A {$1000.00} PER EACH VIOLATION. I am sending this cease and desist as my warning before i proceed to getting ready for litigation and when that happens i will be seeking remedy for all the violations and emotional distress this has caused me
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Company Response:
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Application ID : XXXX Dear TD Bank Underwriting I would like to ask you to reconsider my application for store credit card in the amount of {$5100.00}. I recently applied and I was rather surprised to receive a denial regarding my application. Due to the numerous positive reviews shared by consumers with respect to this card, I would like to share some more information with you in hopes of obtaining an approval. I just turned XXXX years old and my significant other wants to propose to me. This will be my first time being engaged and Im truly happy. Im honored someone wants me to need their long time, life long partner. This account is for him to purchase my engagement ring and wedding band then pay the debt back within 18 months. Our wedding date is XX/XX/2022 and will be on destination in XXXX, XXXX, which is where we plan to honeymoon. In your letter, you listed that the reasons for the denial were : - Presence of a bankruptcy - Time since most recent bankruptcy is too short - Insufficient number of open real estate loans recently reported- Too many recent inquiries However, I would like to shed some more light and update some of these issues. Firstly, the reason I have a bankruptcy, which by the way is almost 5 years old, is due to me almost losing my battle with XXXX by attempting to XXXX XXXX. I jumped out of a moving car, flatlined on the scene, was resuscitated, and was in the hospital for one week. At that time, I had just started a new job with XXXX, and the medical insurance had not kicked in. The hospital Bill was $ XXXX and immediately put me in debt. Filing for bankruptcy was the only option to remedy the issue. In the last 5 years since filing for bankruptcy, I have rebuilt my credit and boasts a 100 % payment history on all 15 positive accounts, which is how it was pre-suicide attempt. Additionally, I do not have any real estate loans because prior to this year, I never wanted to be a homeowner. However, i have received my mortgage XXXX, and my first pre-approval of $ XXXX. So, Im truly excited about becoming a homeowner next year. I am also highly interested in purchasing multi family properties for the sole purpose of housing homeless families who were affected by XXXX. My soon to be husband, who is a recruiter for XXXX, and I have personally set out to help change the lives of others by helping them gain employment so they can finally get their own place to live. additionally, your letter stated the total available credit on recently reported open bankcard accounts is too low. This doesnt make any sense when all of my cards and accounts are under 30 % utilization. For example, I have a $ XXXX credit limit on my XXXX XXXX XXXX XXXX cash rewards is only $ XXXX, which is 15 %. My XXXX XXXX card business card is $ XXXX with {$0.00} balance, my personal XXXX XXXX XXXX card military is {$3500.00} but the balance is {$0.00}. I sincerely believe that I deserve a chance with this card. Not only did I rebuild my credit within 6 months, but I currently gross {$170000.00} annually, and I have a pretty robust stock portfolio weighing in at {$39000.00}. I can provide documentation or tax returns. I also have accounts with XXXX XXXX, XXXX, and a business about with you all at TD Bank. If you are willing to give me a chance, you can even start me with a low credit line of {$5500.00} so I can prove to you my reliability and loyalty to this bank. I thank you for your time and reconsideration and I hope to hear back from you soon. Best, XXXX XXXX, XXXX
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: TD Bank was running a promotion Open a TD Beyond Checking Earn {$300.00} Bonus. The Terms and Conditions for this promotion are attached. Although I met all the requirements stated in the Terms and Conditions, I did not receive the {$300.00} bonus. I have been contacting their customer service through messages and phone calls. The customer service admitted that I am qualified for the bonus, but they couldnt help me in this case since the bonus is managed by their marketing department. The excuse from the marketing department is that I got a bonus three years ago. However, that account was closed 3 years ago. It states clearly in the Terms and Conditions that the offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months.
Company Response:
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX a seizure order was placed on my account and the account was frozen. {$8000.00} was removed from my account. A call to TD bank revealed they had received a sealed seizure order and could not give me any other information. TD bank stated whoever had initiated the order would contact me. I was also charged a processing fee of {$120.00}. The account was at {$0.00}. I did not receive notification of anyone regarding seizure of the money. I contacted the Department of Justice, IRS. They were not involved. Many phone calls were placed to TD bank on XX/XX/1920, XXXX, XXXX. They stated they could not release any information as the order was sealed and i would receive information from the party that seized the money. The account remained frozen. Calls were placed to TD bank 2x a week for four weeks. I never received notification regarding who had seized XXXX. On XX/XX/XXXX the complete amount plus processing fee was returned to the account and the account was unfrozen. FIVE WEEKS LATER. I want to know if this was the result of fraud, a banking error. Can I put money in this account again? DURING THAT TIME I HAD TO BORROW XXXX FROM FAMILY AND FRIENDS TO PAY MY BILLS AND FEED MY FAMILY. IT WAS EXTREMELY STRESSFUL. I conveyed multiple times to TD Bank that I had not been notified who seized the money. I asked them to at least notify the party and let them know I had no idea who seized the money.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2020, I fell victim to a scam by XXXX XXXX XXXX, masquerading as an auto vehicle dealer-ship. Money was transferred from my TD Bank account via bank transfer in the total amount of XXXX USD. I was looking for a vehicle for my dad. His car is very old and I wanted to surprise him for his XXXX birthday. He has always wanted to have a full-sized pickup truck, but the house, XXXX kids, college tuition, and all of the other bills prevented him from ever getting that truck. He would always put his family first and himself second. I wanted so badly to get him that truck. I was looking online for available vehicles and came across XXXX XXXX XXXX XXXX. They claimed their vehicles were seized or repossessed and were therefore sold at lower prices. I saw an XXXX XXXX XXXX and began to inquire. The people claiming to be from XXXX were very polite. They would send me a copy of every conversation we had. They answered me throughout the entire process. They told me I could pay in cash but only at their location in Michigan. XXXX XXXX XXXX sent me a bill and information on where to send a wire transfer. I sent the wire for {$4700.00} and awaited instructions. Even after the money was sent they would still answer my questions via online chat. They arranged a delivery date with me. As the delivery appointments were missed they would tell me that they had to contact the shipping company or the driver was delayed. Needless to say, the vehicle never showed up and eventually my questions received no answers. I am extremely embarrassed about this. I had to explain to my wife that I wasted all of that money. Money that we didn't have to just throw away. My dads birthday came and went and it broke my heart that I wasn't able to get him that truck. Being down all of that money, now I definitely couldn't afford to look into another truck. I would never think to steal from another person, so I trust people when I shouldn't. There are so many bad people out there that it just gets very disheartening. If there is any way I can recover any of the funds, any of it at all, I would be so appreciative.
Company Response:
State: NY
Zip: 11783
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Problem when making payments
Subissue: Problem during payment process
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. The 3 Credit Bureau is reporting inaccurate information on TARGET/TD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: When credit card went past due first time in 12 years, and during covid and XXXX XXXX XXXX refused the payment i offered over the phone, proceeded to call me nasty names and forced my account to collections, which then called my mother twice ( who had no interst in their debt ) gave her a case # and threatened legal action if i did not comply? even i know this violates the law in so many ways. I later find after the two contacts to my elderly mother that the case number matched the partial account number belonging to my account with Target National Bank! They sued me and obtained a judgement for XXXX plus attorneys fees in XXXX of this year, i subsequently stopped paying any creditor and filed Bankruptcy. I contend that Target National Bank, and all successors in intetest Knowingly and willfully committed Illegal acts under the Fair Debt Collections Practices Act ( three seperate acts # 1 ) Colletions rep. from Target National Bank who refused my payment offer over the phone and ( promise to pay ), and then blew up demanding full payment ( name calling ) and threats. # 2 first call to my mother on or about XX/XX/2020 ( foriegner making legal threats ) # 3 ) forigner making a similar threat directed to me XXXX XXXX call back number was XXXX
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A