Date Received: 2021-10-05
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 Better Business Bureau, 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. TD BANK N.A. bal. {$4400.00} 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 XXXX Iowa XXXX, Iowa XXXX
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have attached a picture from my credit report and it is incorrectly reporting a 60 day late payment to XXXX and on the same month XXXX and XXXX are current. This needs to be fixed
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My TD bank Credit/Debit card connected to my checking account with the bank was charged a total of {$9600.00}. Between XXXX and XX/XX/2021. I downloaded an App for XXXXXXXX and invested a total of {$20000.00}. After the initial investment XXXX continued to withdraw money from my account without my consent or authorization. My account was compromised because, I did not get any SMS notification to my phone number or any email address, to show on going activities on my account. Several attempts made by me to sign into my XXXX account was unsuccessful. At present I have no access to my XXXX account to see my invested {$20000.00} or to track the {$9600.00} additional amount withdrawn without my consent. This matter has been reported to TD Bank and to XXXX for investigation. It has been over two weeks and I am not getting any response from both companies. Please kindly assist me with this matter because this has placed a huge financial strain on my family. When I went to the back to make my mortgage payment, I discovered that the balance on my account was only about {$2000.00} dollars. Some of the money lost was money set aside for our monthly mortgage payment and family investment. I will be grateful for your assistance in addressing this matter timely. Sincerely, XXXX XXXX
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I'm 2 days late on my Target credit card payment - over the last 2 days I've been harrassed by multiple calls a day from the same # also just received a call to collect after I told them to stop calling me at XXXX which is outside business hours and not appropriate.
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: ON XX/XX/XXXX " XXXX '' ASSURRED ME THAT THE {$29.00} RETURN FEE DUE TO XXXX XXXX XXXX ERROR WOULD BE REMOVED. I HAVE BEEN A CUSTOMER SINCE XXXX, AND HAVE NEVER HAD A PAYMENT RETURNED. IN FACT, PAYMENT OF {$85.00} WAS NOT EVEN DUE. I HAVE MADE A TRANSFER OF XXXX TO A DIFFERENT CARD AND THE {$29.00} FEE STILL REMAINS.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Affidavit Of Truth To Update Information XXXX XXXX NOTICE AND DEMAND TO UPDATE INFORMATION From : XXXX XXXX XXXX XXXXcation : XXXX XXXX XXXX XXXX City & State : XXXX XXXX PA XXXX To : TD BANK USA/TARGETCRED Address : XXXX XXXX XXXX City & State : XXXX, MN Zip Code : XXXX REF : Your correspondence purporting to allege LATE PAYMENT TD BANK USA/TARGETCRED Account # XXXX NOTICE OF CLAIM UPDATE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ I XXXXXXXX XXXX XXXXXXXX, A WOMEN, non-adverse , non-belligerent, non- combatant party and Executor with FULL LIFE am in possession of your recent voluntary submission of evidentiary documents. TD BANK USA/TARGETCRED is in violation of 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. TD BANK USA/TARGETCRED have reported to XXXX a late payment on XX/XX/2016. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. Update all payments to exceptional 2. Apologies to me in writing Failure to comply will result in a violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: They will not reinstate a fee that was taken for no reason at all.
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I already filed a complaint that TD bank closed my account and never gave me the funds that were in the account which was a large amount. Approximately a litte less than {$28000.00}. TD banks respond was that they will return the funds to Sba because it came from a ppp loan.its been over a month since td bank answered my complaint and over 5 monhs total that they been holding the funds. I reached out to sba to find out if they received the funds from TD Bank and they said No.i also reached Out to td bank specifically to the Person that responded to my complaint but i Got no response at all. SO MY COMPLAINT IS THAT TD BANK Is HOLDIND {$28000.00} OF MY FUNDS FROM MY BANK ACCOUNT THAT THEY CLOSED SINCE XX/XX/2021. I AM ATTACHING THEIR RESPONSE TO MY PREVIOUS COMPLAINT RELATED TO THIS COMPLAINT.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
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 my last resort, I have been going back and forth with creditors and bureaus. Still the same results, I have send in updated police reports and FTC report, with all my updated IDs still same results verify please help they are stopping me from living my life with my XXXX kids and husband. Not able to purchase first home because they are giving me so many problems. Negative accounts are only on XXXX and XXXX they were all deleted from XXXX in 2016 when my identity was stolen. Creditors has received reports and all I dont know what yo do at this point.
Company Response:
State: IL
Zip: 60085
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I did not have the most recent Nordstrom account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by COVID, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. On XX/XX/2021, I received an alert from credit card that Nordstrom credit account is currently 30 days late.
Company Response:
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A