Date Received: 2021-09-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased a phone with XXXX XXXX. The card was with TD bank. I paid off the entire balance over the phone. I never received another bill, however I have credit monitoring and it alerted me to a delinquency. I reported the error to XXXX and they investigated. They said TD bank claims the {$20.00} charged to my account was legitimate. I then sent the dispute letter to the company as required on their website and never received a reply. After reading reviews online I believe this is not a new scam. I never made a charge after I paid the phone off. It was a 0 % interest card so there is no post payment interest. Lastly the fact that they refuse to reply is unprofessional, clearly I wouldn't let a {$20.00} charge drop my credit nearly 100 points.
Company Response:
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email on XX/XX/2021 from Toronto Dominion Bank announcing my new checking and saving accounts which I did not open and have never heard TD Bank before yesterday. I called and the staff at TD Bank were quite helpful. XXXX at XXXX verified that indeed an account had been opened using my XXXX XXXX number and my address from when I lived in XXXX FL. I sent the letters, including the FTC XXXX Indentity Theft report and the letter to furnishers, all requiring Toronto Dominion Bank to respond with information about these fraudulent accounts they allowed to be set up in my name using my personal information including social security number. This bank has not responded to my letters and I can not even file a police report because I do not have enough information to do so. I require this information. I am not even sure what city this took place in. The lack of information is hampering everything.
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: TD Bank XXXX XXXX XXXX Target. File a complaint summons without offering me notices or letter to work with me regarding this account. Their lawyers harrass me by constant phone calls.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX Please review this updated complaint I submitted the wrong bureau letter in previous complaint*** A couple of years ago I purchased a home but prior to being able to I had to have my credit repair there was a professional that came highly recommended who repaired and rebuilt my credit for the purchase. At closing on my house my credit score was a XXXX so I didnt have a need to check my credit to often but when I did I noticed that a car had been finance. I have never been in receipt of the vehicle that ultimately was repossessed. XXXX XXXX is who I suspect used my information to acquire this car because he had a side business with XXXX where he would purchase XXXX and rent the vehicles out. I have been a victim of identity theft in the past and I also have an extended fraud alert on my credit which he added so he would have access to my information. I contacted the XXXX Police Department and the XXXX XXXX Police department. XXXX Police Department stated there was not much that they can do without more information on XXXX XXXX. The XXXX XXXX stated that XXXX XXXX did not come up with any suspects and that XXXX XXXX could be an Alias. I contacted the dealership and they confirmed the vehicle was delievered to an address that was not my own. I was eventually able to locate XXXX XXXX and advised him I would find him and press charges unless he made arrangements for me to get the car back right away and unfortunately because I did not create a budget to own a XXXX I thought I was doing the right thing by returning the car. I didnt want to get him in trouble because he helped build my credit but looking at my report this account is hurting me personally and business wise. On XX/XX/ and XX/XX/ I sent letters to the credit bureau 's and creditor. The repossession was removed from XXXX and XXXX but not from XXXX. The creditor has not responded to my letter sent in which I attached a copy of my identity theft affidavit.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2021 I received a debit card, and 2 postcards stating that I opened a checking & savings account with XXXX XXXX XXXX XXXX and that I authorized them not to pay overdraft fees the next day I received 2 letters stating they were closing those accounts. Then today XXXX XXXX I received an email welcoming my to TD bank, that I opened a savings and checking with them which I did not do, then a second email stating that I changed the email address on the account... I called the TD bank number to explain that I don't have any accounts with them & the woman could not really assist me as the closest branch of their bank is almost 100 miles away from my home. All accounts were opened under my married name, XXXX, and when I got divorced I went back to my maiden name. That was 7 years ago. How do I get help, how do I fix this?
Company Response:
State: PA
Zip: 155XX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
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: ( Account Number : XXXX ) I would first like to start off by saying I hope you are safe and healthy during these challenging times. I am writing to you because I noticed that my credit report contains late payments reported on ; XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019 for my XXXX account. I have been in contact with XXXX XXXX ( CEO of Nordstrom ) directly about the matter and i havent been successful in getting the late payments removed even though they are in violation of the following consumer laws : 15 USC 1681b and 15 USC 1666b. I received the credit card agreement and a material disclosure of the finance charge and it mentions TD bank a lot through the agreement and i wanted to dispute these late payments for your retail card with TD directly. I would like you to know that during the delinquent period I was hospitalized and severally ill. I have provided documentation from the physician as well as the nurse to support this notation to the dispute center and nordstrom itself. I understand that it is my financial obligation to pay the account balance on time. But at the time I did not enroll in auto pay and I could not pay my bills because I was fighting for my life. I would have an excellent credit repayment record if it wasnt for my hospitalization. I made a mistake in falling behind but since then I have made my finances my number one priority and have been making payments ontime for the past two years. I have marked the due dates on my calendar and set my notifications and reminders on my phone and other devices that I use. I have reach out to my other credit card companies that i have late payments in and they all gave me a goodwill adjustment because of my payment history and the length of time I've been in business with them. Im not really sure why nordstrom is out right refusing to extend a goodwill adjustment to me because all credit companies have to follow the same exact credit laws. I recently got an eviction notice from my current residence and I am scheduled to get evicted from my home in a few months. I have tried to apply for housing elsewhere, but I keep on getting denied because of my delinquent payment history. The delinquent payment history is making it nearly impossible to find an apartment and I am on the verge of being homeless. I plead with you please remove the late payments as a courtesy because I am trying my hardest to prevent me from being homeless. Its even more scary that the supreme court just overturned Bidens law that protects the rentors. Me being homeless may happen sooner than i anticipated. I am extreme scared and worried about my livelihood and future. I am a XXXX in college who is studying to obtain a XXXX in XXXX as well as a minor in XXXX. I do not want my bright future to be ruined by a few XXXX dollar late payments. The delinquent payments do not reflect my creditworthiness and commitment to repay my debts. It would be very helpful if you could make a goodwill adjustment to remove the late payment XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. Thank you for your time and consideration and I sincerely hope you approve my request because I will be homeless if the request is denied. You can reach me at XXXX. I hope you and your family is safe during these challenging times.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Received a summons from ( plaintiff ) and would like to request a validation letter of debt and a authorization to collect debt. With the pandemic of covid 19 and other personal hardships that has effect myself I can not confirm this debt is mine.
Company Response:
State: CA
Zip: 93257
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
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: There is a charge from XX/XX/XXXX on my credit card that I did not authorized or have any knowledge of!
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We ( XXXXXXXX XXXX XXXX XXXXXXXX ) opened a small business checking account with XXXX XXXX in the year XXXX. Account Number XXXX and XXXX. We have held this account for almost 20 years including the transformation of XXXX XXXX to TD Bank. We have never had a problem with our account until XX/XX/XXXX. In XXXX of XXXX we experienced our monthly checks to our creditors for mortgage, utilities etc were not being paid even though we had deposited the funds into our account. After hearing from our mortgage holder and several utility companies that they had not received our monthly payments we contacted TD Bank. A representative from the bank informed us that a partial hold was placed our our account. Meaning that we were able to make deposits but not withdrawals and none of our checks would be able to clear. After repeated calls ( over 20 ) to the risk management officer, who never returned our calls we spoke with another representative form TD Bank who informed us she had never seen anything like this before. She stated that a walk in hold was placed on our account. The bank never contacted us by phone, email or regular mail. This incident caused much harm to our payment history for our creditors and much anguish anguish for our financial team. Ultimately several people from the ministry went into a branch office and met with a representative who removed the hold from our account and instructed them to close out th account. We were offered the opportunity to open another account with TD Bank. We closed the account and decided to move to another bank. We believe that the conduct of TD Bank was a violation of our consumer rights, the right to due process and our civil rights as a XXXX organization. We received no notification concerning this hold and no documentation. To this day no one has taken responsibility for these events. We are asking for acknowledgment from the bank for their actions and that the bank be sanctioned and or penalized accordingly.
Company Response:
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: A bank account with TD Bank was opened in my name, XXXX XXXX and when i recieved a bank statement for an account that wasnt mine i reported to TD Bank and had the account closed. it looked as if someone was managing large sums of money and redistributing it to a XXXX XXXX credit card which was also opened in my name, XXXX XXXX. None of these were done with my knowledge. The name involved was a XXXX XXXX from what the bank told me.
Company Response:
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A