Date Received: 2021-08-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had a negative balance of {$820.00} and I pay them back already {$800.00}. I just want 1 reimbursement fee of either {$100.00} or {$35.00} from overdraft fees. If they cant provide me with this simple request, then I wish to close my checking account with TD bank.
Company Response:
State: MA
Zip: 01851
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later, on XX/XX/XXXX, I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX and XXXX to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.
Company Response:
State: CA
Zip: 91320
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a XXXX XXXXXXXX mother and I am being exploited by the TD Bank Assistant Branch Manager of the XXXX XXXX XXXX. The TD Bank Assistant Branch Manager intentionally converted a personal injury check and then stole a portion of those monies from my account that she forced me to open so she could have " easy access '' The TD Bank Assistant Branch Manager changed my account so I didn't have insurance coverage when there was a hail storm and I was unable to make necessary repairs. The TD Bank Assistant Branch Manager has wrongly increased my monthly mortgage amount. The TD Bank Assistant Branch Manager keeps sending Foreclosure notices that I am one or two payments behind, when i am not behind, and my mortgage is current. The TD Bank Assistant Branch Manager knows that I am attempting to refinance my home, and I was just 2 days past the 10 day grace and my credit report was docked down XXXX points. I am being XXXX XXXX and XXXX XXXX by the TD Bank Assistant Branch Manager and she is using her power and authority as a TD Bank Representative to hurt me, and cause XXXX, pain and suffering.
Company Response:
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX ( TD Bank Retails Services for XXXX ) have reported unauthorized charges to the credit report agency, which impacted my credit FICO score to go down from Excellent to Good. The entire amount charged ( {$570.00} ) to my account had not been authorized at any point by me. Due to being concerned with the credit report score and my employment safety, I went as far as trying to pay TD Retails and XXXX. Even though I did not authorize this purchase and charges, and due to the TD Bank harassment and phone 's stalking, I tried paying the original amount of {$220.00}, which is the original unauthorized amount. I paid with my XXXX XXXX and XXXX XXXX XXXX, but both banks declined the payment without any fault/ action by me. TD Bank continued harassing me further, added more penalties to these unauthorized charges, which inflated the amount to {$570.00}. I had no luck to reach anyone with XXXX XXXX and TD Bank consumer rep refuses any other form of payments including checks even when Offred them ACH payment from my bank. I recently provided by phone call to TD Bank rep on XXXX XXXX another bank account to pay these unauthorized charges to stop the continued harassment of TD bank consumer accounts for XXXX. Payment posted to my account for {$220.00} in XXXX XXXX, XXXX yet TD bank got blocked by XXXX XXXX XXXX not due to any fault of mine or action by me. I have NOT authorized any of these charges and/ or fees, which I have been harassed by ( TD Retails Bank consumer account for XXXX ) to pay. Please Note : At any point there was no any kind of knowledge or any kind of notification or any kind approval to such services by me. I have fully paid the full amount ( cost ) of the device ( XXXX XXXX XXXX ) within one month of purchase and did not finance nor authorized any coverage services. My credit has been excellent. XXXX financial retail services baseless claims and their unauthorized actions have damaged my credit. I need your help please. I have been seeking attorney 's services to fix these illegal activities and charges, but all of the legal counsel I spoke to had pointed me to your agency.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
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 just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
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. 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 ( XXXX ) 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-daXXXX 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. XXXX. TARGET/TD bal. {$0.00} 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 ( XXXX ) 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 XXXX XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four XXXX XXXX XXXX items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) 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 XXXX XXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Dear Sir or Madam, *1. NORDSTM/TD Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX and XX/XX/XXXX. I immediately disputed this information with NORDSTM/TD and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( 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. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXXXXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2021 I entered a Raymour & Flanigan store hoping to purchase a bed or mattress. I was offered a Raymour & Flanigan Visa card. I qualified and was told by the sales representative that I could arrange a particular due date once the card arrived. I also stated that although I had to provide a physical address initially, I had a PO Box that must be used. I explained that I was unable to receive mail at the physical address. She assured me that this also able to be done. My FIRST call to TD XXXX XXXX XXXX ( XXXX ) was to inform them that I had not received any correspondence and to confirm the PO Box . The SECOND call to XXXX was to arrange a due date that would allow me to pay successfully. They informed me that a different due date could not be accommodated and that I should " take it up with the store. '' I informed them that if I had known that I would have proceeded differently. I also stated that it was going to be impossible financially to make the first due date. The rep stated that I should just go online, schedule the following payment, and ask for the late charge to be removed. My THIRD call to XXXX occurred while I was online trying to navigate their system and attempt to schedule a minimum payment of {$120.00}, as indicated on the first bill. The system was very ambiguous and confusing. So much so, that the transaction was cxled twice ( which I have a printout of ). The representative kept assuring me that it was okay and I was scheduling a minimum payment of {$120.00} for XX/XX/XXXX. She also confirmed that I could call back on the XXXX and get the late fee removed. My FOURTH call to XXXX was on XX/XX/XXXX to request late fee removal. He informed me that the late fee was not going to be removed and that they had initiated a withdrawal to my account of {$270.00}. I informed him that I had authorized no such thing. He then told me, " there is nothing I can do. '' I asked to speak to a supervisor. She was repeating his statement. When I insisted that I wanted all previous communication evidence, she told me she would not cooperate with that and that I should " get a lawyer. '' I instructed her to close the account immediately. I then went to the store directly to inform them of the chain of events and made them aware that if the withdrawal went through, it would empty my account completely and I would be devoid of all monies. They attempted to speak to a XXXX representative, but had no different result. They took my number, a copy of the initial bill showing the minimum payment amount, and said someone would call me ( which never happened ). On the immediate following Monday ( XX/XX/XXXX ) I went to my bank. I met with the bank manager ( XXXX XXXX ). I related all events and we conference called XXXX. The sales representative gave all the details of the previous communications. It became clear to XXXX that what I had related was factual, accurate, and that XXXX never had any authorization to do what they did, nor should they have. The representative stated, " this is not my first phone call regarding due date issues etc. '' I told him maybe he should be working for a different employer with better morality. I instructed the representative to delete all my online account information ( which he stated that he did ). XXXX proceeded to submit her own complaint to TD Bank and put stops on my account.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On XX/XX/2021 I made a purchase of {$62.00} at a XXXX XXXX in XXXX XXXX, CA. On XX/XX/2021 I attempted to login to my account online to pay my balance but was unable to do so because the online system appeared to be down. I then made a payment by phone to make sure that a payment would be made on time. I was told that my payment had been received and I received a confirmation number of XXXX. On XX/XX/2021 this payment however was rejected apparently because I incorrectly entered my bank account information due to honest error. I was NOT notified that the payment had been rejected. I received a phone call from XXXX ( XXXX ) on XX/XX/2021 to inform me that my Target XXXX balance had accrued about {$31.00} in interest and a late fee ( bringing the balance to {$94.00} ) and had been sent to collections. At no point between XX/XX/XXXX and XX/XX/XXXX was I ever informed that my balance was due, nor did I receive ANY form of correspondence from the creditor. No e-mail, no letter, no phone call, no text message, nothing. It should be noted that the creditor did have all of my current contact information on file ( e-mail, physical address, phone number ), and at no point did any of my contact information change or become unavailable during this period.
Company Response:
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/XXXX I received a deposit in 2 amounts {$300.00} and {$250.00} like I always do every week on XX/XX/XXXX i was defrauded out of {$3500.00} now I have to fight with them to put my money in an account they had to open because of fraud like why do I have to keep going through this with TD BANK I never experienced nothing like this in my life I have spoken to them over 4x and its still not resolved meanwhile I don't have money to feed my household cause TD BANK Allowed someone to take it from me and now they are holding my money XXXX.
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A