Date Received: 2021-07-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an account with TD Bank XX/XX/XXXX. I was supposed to receive a {$300.00} checking account promo after deposit requirements. Deposit of {$2500.00} within 60 days of account opening and promo will be deposited to my account. I have met the requirements as confirmed by many representatives. One XX/XX/XXXX, I spoke with rep name XXXX who spoke with their manager and confirmed again the criteria was met and they submitted an inquiry with the " promo team '' I was told, it will be reviewed and deposited on my account in a week. Called again on XX/XX/XXXX and spoke with rep name XXXX who stated account was noted as me not meeting the requirements asked to speak with a manager and talked to XXXX who also reiterated the same but could not provide the terms and condition.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX around XXXX I went to TD Bank in XXXX RI I went through the drive thru and tried to deposit {$400.00} the atm machine in drive thru the screen went blank it didn't return my money or receipt but it did keep the {$400.00} .I immediately went inside and spoke to the manager that was working that day. At first she didn't believe me but I explained to her that I'm on camera and you can see me depositing the money into the atm. She had me fill out a complaint form. The next day I get a call from the manager she said they found the money and deposited back into my account. On XX/XX/XXXX I go to TD Bank on XXXX XXXX RI I go to the drive thru at about XXXX XXXX I forgot that, that one doesn't have a teller so I used XXXXhe drive thru atm, I deposited {$400.00} again the machine takes my money I go inside I explained to them what happened. I had no issues because again I'm on camera and I believe the employees where watching me when I pulled to atm .The next day I get a call from this branch stateing that they deposited the money. I get a letter in the mail stateing the transactions that took place and how they deposited the money which adds up to {$800.00}. On XXXX I get a letter in the mail stateing that there was a second investigation and that they'll be taking the {$800.00} dollars back. Since then I called made complaints tried to speak someone in a higher position before I took further action. Noone has contacted me or emailed me about this situation at all it's been about 7 months nor returned the {$800.00}
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened up a TD checking account online on XX/XX/XXXX and received a confirmation email stating that everything was ready to go. On XX/XX/XXXX I transferred my payroll and several auto-pay accounts to use my TD checking account. On XX/XX/XXXX, I visited the XXXX XXXX branch at XXXX XXXX XXXX and spoke with XXXX XXXX to deposit cash into my account. During this conversation, XXXX alerted me that my account had been placed on hold because TD wanted to verify it was really me that had opened the account. This would automatically decline any payments made from my account. XXXX explained she had added notes to the system to remove the hold and that she would call me to confirm when the hold had been removed. She did not call back. No digital communication had been given to me about this issue. In fact I had received confirmation that my account had been successfully opened and funded on XX/XX/XXXX. This cause an auto-pay from XXXX to be declined. I am now being assessed a penalty by them due to TD Bank not communicating that this hold had been placed in my account. If they had done so, I would have maintained the XXXX auto-pay with my old checking account at XXXX.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got theseaccounts that does not nelog to me and i want them to be remove from my credit report. 1. Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. Account Name : TD BANK N.A. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened a secured credit card with TD Bank on summer of 2017. I had to make a XXXX dollar deposit to receive the XXXX dollar credit line. With the secured credit card they advertised to me that after making 6 months of on time payments I would be graduated to the regular credit card. After having the card for 4 years I have not been upgraded and received my XXXX dollars back. When contacting the company and visiting a branch no one can give information about why my account has not been graduated. My credit score has skyrocketed since opening the card ( XXXX XXXX, I have not been late. This type of advertising and misleading to people trying to improve their credit. Customers like myself did not have much money to spare when trying to get this card.
Company Response:
State: RI
Zip: 02886
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
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: I paid off the account in full in XX/XX/2021 and on XXXX and XXXX still showing a balance of {$1600.00}. Should be a XXXX balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. Please update the account to the credit reporting agencies as paid in full.
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : A TARGET NATIONAL BANK XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On In XX/XX/2021, I filed a report CFPB that my XXXX Credit Report online account information was consistently hacked, incorrect information repeatedly reappearing- when fixed on XX/XX/2021 and in one week my FICO was corrected and increased to XXXX on or around XXXX and with in three days dropped from XXXX XXXX and on XXXX showed a damaging FICO score of XXXX. The XXXX people in my neighborhood have hacked into my XXXX Credit Online Accounts, answered their calls at the call-center and began filing false delinquencies on my XXXX Credit Bureau Reports and Accounts once again on XX/XX/2021 to XX/XX/2021 ; These people have stolen my identity and seem to be affiliates of XXXX Associates. In addition XXXX hasnt been protecting my XXXX Credit Bureau Account that I pay monthly and Im seeking immediate compensatory damages because of Week XXXX XXXX XX/XX/2021, FICO increase and rapid decline- from XXXX : XXXX : To date my documents will show XXXX XXXX took responsibility and closed out the account, because I paid for an XXXX bonus offer and not a {$150.00} credit card : 2. XXXX XXXX XXXX Closed out the account upon my request because my card account was stolen. I did inform the creditors these issues seem to involve their affiliates and affiliation with these neighbor criminals and hackers ; Please investigate! This is organized crime and corruption and financially damaging my lively-hood!
Company Response:
State: CT
Zip: 06106
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A