Date Received: 2021-08-11
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 METRO 2 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 , 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 XXXX XXXX XXXX, 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 ( 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. {$4900.00} 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently filed a report with XXXX XXXX, and XXXX of inaccurate items being reported on my credit reports. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of these debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being report on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: {$2000.00} was stolen from my checking account. On XXXX, I was scammed by a fake TD Bank Fraud Services Representative who sent a text from a XXXX digit number asking about a charge that was made to my card asking to confirm if it was me. I responded with NO and then received a call from ( XXXX ) XXXX which said TD Bank. Asked me about 3 charges to my card : No XXXX. XXXX something dollars to XXXX XXXX XXXX in Florida. No. XXXX. XXXX something dollars to XXXX in Florida. No. XXXX. XXXX something dollars to a grocery store in Florida. I declined all 3 charges and the Rep proceeded to say, also the person is requesting to take {$3500.00} out of my account as well through an ATM. I obviously was like what, well let 's shut it down. And he was like " Okay, we will refund the money into your account you're going to receive a text message. '' I then received the text from a XXXX digit number and he said, " Did you receive the text? You need to text back your username with the work cancel after it. '' I did. He said the money would be sent back in the same way it was being withdrawn. Then I received another text saying XXXX will be refunded to your account. Please respond YES or NO. Responded YES. Texts kept coming.. XXXX, XXXX, XXXX, and the guy was still on the phone and said : " Keep responding yes, I'm just going to work here quietly if that's okay? '' I say okay. After about 6, they stopped. The call ended. I called back TD Bank, they transferred me to the fraud department and said it wasn't them who called. Now there is nothing TD Bank can do. {$2000.00} was taken from my checking account.
Company Response:
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Sunday the XXXX of XXXX I received an email form TD Bank that said I had opened a bank account. I then received XXXX additional emails saying that the phone number and email was changed. I called the bank and reported to them what had happened. They told me the account was closed as of right then on Sunday the XXXX. On Tuesday the XXXX, I received another email saying thanks for choosing us again, and looks like a visa debit card was sent out. The morning of Wednesday the XXXX I called in again to report the additional email and make sure the account was indeed closed, which I was told it had been closed. I was told by the fraud department to report the incident to FTC.gov which rerouted me to this site.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is about an unfair business practice by TD bank that resulted in a precipitous drop in my daughters ' and my credit rating. I am writing on co-signer for a personal loan that daughter took out from TD bank in XXXX while living abroad. ( In addition to the loan my daughter had a Savings and Checking account with TD bank which always had a healthy balance ). The loan was signed through a power of attorney provided by my daughters ' sister who lives in the US. My daughter set up an automatic monthly debit and paid every single installment of the loan on time. The last time her account was debited ( in XX/XX/XXXX ), she assumed she had paid off the loan. However, in XX/XX/XXXX, I noticed that my credit score had dropped precipitously. I investigated the drop and saw that there was an indication of an overdrawn loan from TD bank. I informed my daughter who contacted TD and was informed that the last installment of the loan could not be paid via direct debit, but through a financial services institution. My daughter never received any notices via mail, email, or telephone that the final payments had to be made through another method. When she phoned TD to complain they said that the final loan was overdue which justified their action.Until then my daughter had never once missed a loan payment, but because TD made no effort to inform her, or me, about the last payment method, both of our credit scores ( see attached ) were severely adversely affected. My daughter filled out the TD online form asking the bank to correct the information provided to the credit bureau so as to reinstate the previous excellent score we both had. TD bank responded that they had done nothing wrong and refused to take any action. I then contacted a local representative in XXXX NJ where my daughter had opened the original accounts asking for help in resolving this unfair practice and to rectify it. Last week I heard back from her that the bank would do nothing about it.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: So I was in a payment plan. But every time I tried to contact them about the payment they would tell me my account could not be found. I was under the impression that I was making a payment but when asked for a statement they would say that there was no such thing of a payment from a third party. I was making payments threw money management international. This company was distributing money individual to all the cards including Target. I called Target and they said that i needed to call the collection company. But when i did they said that account doesn't exist. So were did all my payments go. My account should of dropped because I gave about {$320.00}.
Company Response:
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: TD Bank is holding transactions that has posted, in the account several days pass the posted date ; then when it shows posted in your account it is two to three days past that the transaction was still showing pending in the account. TD Bank rigged my online viewing so that I can only print 1 page of activities at a time. In trying to print activities for the past week it would only let me print 1 page of the week ( only what is showing on the screen ). When I tried to call TD Bank to discuss this issue, they claimed that I needed to put in a pass code, but still they did not have a passcode hint for me to recall if I had such. In the pass they have access my account via voice recognition and this time they claimed I needed a pass code. Then they claimed the system locked them out because I did not know the passcode. They stated that I needed to go into the branch to get unlocked ; but I am not locked out I can still access the online service, but they claimed they was locked out because I did not have a pass code. They continues to place fraudulent transactions on my account. As I stated to them on many occasions, if there is a NSF charge, it needs to state NSF and not something that does not associate with me, such as the Debit Card authorization that is showing in the attachment. I did not do any authorization on my debit card in the amount of {$35.00} and that needs to be refunded. Their actions will cause other transactions to not clear.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section
Company Response:
State: CT
Zip: 06513
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I received a voicemail from a XXXX XXXX with XXXX XXXX that they were trying to collect on a debt. I returned the call on XX/XX/XXXX and explained to XXXX XXXX that the account at TD Bank was a result of identity theft, and that evidence of that was already provided to TD Bank. I also explained that since TD Bank had not removed it I had filed a CFPB complaint against them. On XX/XX/XXXX XXXX XXXX called my ex-daughter in law in Virginia, saying they are trying to get contact information for me, when in fact XXXX had already spoken with me. I don't know if or whom else that may have been speaking with.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A