Date Received: 2023-10-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This company is reporting an identity theft account on my credit report from XXXX or XXXX and I have notified over and over that isnt mine and Im a victim of identity theft and they have ignored that and tried not to do their job. I didnt open this account and it isnt mine. My information was taken over and used through open multiple cards under my name. I have filed an FTC identity theft affidavit and if this isnt resolved I will pursue legal counsel
Company Response:
State: LA
Zip: 71201
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Previously had TD Business Checking and Credit Card Accounts from about XXXX to XXXX with my own LLC business. Went well for several years, but ultimately filed for XXXX XXXX bankruptcy in XXXX, and TD Bank Business Credit Card was included. Now newly employed and with a steady paycheck, I applied for a Personal Credit Card with TD Bank last week. Yesterday I received a letter stating that I was not approved due to " DELINQUENT PAST OR PRESENT CREDIT OBLIGATIONS WITH TD BANK, NA ''. I called and asked exactly what this meant, and was informed that despite exercising my right to file for bankruptcy in good faith under the Consumer Credit Protection Act, TD Bank did not consider my past credit obligation discharged. I was again told that my application was denied. The federal Equal Credit Opportunity Act strictly prohibits creditors from discriminating against credit applicants on the basis of ( among other things... ) : " or because the applicant has in good faith exercised ANY right under the Consumer Credit Protection Act. '' Bankruptcy was a difficult decision, and I am not proud of that. However it is illegal for TD Bank to hold that against me and deny credit out of spite. In addition, while I hope to never have to go through that again, I am completely forbidden from filing bankruptcy again for three more years. I'm a safe-bet.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I attempted to make a cash deposit at the outside ATM at my local TD Bank branch ( XXXX XXXX XXXX XXXX. XXXX XXXX FL, XXXX ). I used my debit card, and deposited {$190.00} in cash. The machine made a grinding noise for a bit, and took much longer than usual, before saying that their was an error. The machine returned my card, and gave me a receipt saying I had deposited only XXXX cents. I went inside and briefly spoke to someone who told me they couldn't help me and I would need to call customer service because they don't service that ATM. When I called customer service I was told I need to wait until the two cent deposit moved from pending to posted which would occur the next day. I called the next day and the person I spoke with helped me file a claim and explained the process, that a provisional credit would be applied in a few days, but the full investigation would take 45-90 days. About a week later, after having not received any correspondence, or a provisional credit, I called again. The person I spoke to this time told me no claim had ever been filed, and she apologized for any confusion and submitted the claim at that time. I drove to that same TD Bank and spoke with a representation that told me whole they could help further with the claim, that could at least validate that a claim had really been submitted this time. On XX/XX/XXXX I received a {$180.00} provisional credit, this now settled my issue, or so I thought. On XX/XX/XXXX I went to a different TD Bank location and deposited {$180.00} dollars in cash. I work as a server so I often have cash, and made a few similar transactions. I put the money into my account with and to use my card to pay our water bill which was due. After depositing I checked my account balance, only to find myself negative XXXX. TD had reversed the provisional credit. I called customer service once again, and the woman I spoke to informed me the dispute has been denied, with the report stating no error had occurred. She submitted a new dispute, and added notes explaining the situation such as the regular deposits, a need to pay bills, and the insanity of somehow the final conclusion being that I deposited two cents by ATM, which is clearly impossible. I asked about an immediate provisional credit so at least I could pay bills, but she told me that she didn't have that ability, so I asked to speak to a supervisor. The supervisor was very nice, but was also unable to help me with a immediate credit. She did say she added more notes, and emailed the claim department to request the dispute be expedited. I requested a phone number directly to the claims department but was told they didn't have a number that could be called. Clearly I am very upset, I put money into the ATM because it should give you immediate access, and now over a month later I still don't have the money. TD compounded this by not properly filing my dispute the first time. I don't understand how the audit can essentially come to the conclusion that I accessed the ATM, and somehow deposited two cents.
Company Response:
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I have a mortgage with TD Bank for many years. In XX/XX/, I opened checking and savings account with them. The TD Bank decided not to close my banking accounts. Even though my loan was not in any form of default, TD Bank terminated my online access for me to view my loan status because it was linked to banking accounts. I have no problem they do not want my banking relationships, but I need to gain access to online to see if my payments were made, my escrow balance, etc. TD Bank is committing a predatory lending and in violation of Fair Housing. They want to me to wait for paper ( uncertified mail ) statements every single month and to call their loan department for payments. This is unduly burdensome and if I miss any payments due to postal service 's missed delivery, I would be in default and they can foreclose on me.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Receive first letter from XXXX XXXX XXXXXXXX on XXXX, for a recent credit card application that I did not apply for. They were unable to verify identity base on inquiry made to XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX and spoke to a XXXX. He stated that they would mark as fraudulent and email the credit bureau to report application as fraud. I received another letter on XXXX from XXXX XXXX XXXX. Again someone fraudulently applying for credit under my information. I also contacted them and they stated that no information was sent the any credit bureau, and that they declined the request and would mark as fraud. I checked my credit information on XXXX and it showed another inquiry of credit for TD Retail Card. I called XXXX and talked with XXXX who is a fraud specialist and she froze my credit and advised me to file a fraud report.
Company Response:
State: IN
Zip: 46201
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: - on XX/XX/2023, TD bank sent a letter stating that they do not have an inquiry as the BOFD from XXXX of funds improperly withdrawn from my XXXX personal Account. - on XX/XX/2023 received a letter from XXXX stating that they have sent two requests to receive the funds back.- ( please see the last two pages of the document as proof of letters sent to TD bank ) SEE ATTACHED NOT A DUPLICATE
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the fair credit reporting Act this creditor ( Target ) has violated my rights. under 15 USC 1681 SECTION 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The card along with the pin for card number ending in XXXX was lost on or about XX/XX/. I reported the card lost to TD Bank USA via phone and via the online portal that same day. TD Bank failed to close the card ending in XXXX. Every single transaction after XX/XX/ is now TD Bank 's responsibility. I need all those transactions refunded/credited back to me along with any interest charges associated with those transactions. On XX/XX/ I called TD Bank and spoke with a Supervisor who referred to himself as XXXX. Although he was helpful at first to ensure card XXXX was closed, he refused to mark all the transactions since XXXX XXXX XXXX as unauthorized and refused to credit me for those. He hung up on me and I had to call back and refused to transfer me to a Manager. He also again refused to submit the transactions as unauthorized. This is completely unacceptable. I have recordings of the calls. TD Bank is responsible for all those transactions. TD Bank was negligent and allowed those transactions to go through because TD Bank failed to close the card even though I requested it to be closed multiple times. The TD Bank representatives over the phone have a difficult time comprehending proper English so I had to talk to them in XXXX since I am XXXX. They don't understand the regulations in the US and they don't understand the meaning of liability and of negligence. Please get this situated. Thank you.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to TD BANK USA/TARGET. In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. Thank you for your cooperation and timely attention to this matter.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/, I applied and was approved for XXXX XXXX, through XXXX XXXX XXXX is handled through TD Bank. When I attempted to purchase two XXXX XXXX XXXX mobile devices, my order was cancelled. When I contacted XXXX on XX/XX/XXXX and XX/XX/, they instructed me to contact XXXX XXXX to confirm that my billing information is correct. I called XXXX XXXX customer support and they confirmed the information is correct. I attempted several more times to re-submit the order, and the orders would get cancelled. XXXX has maintained the position that the issue is with XXXX XXXX. I was approved for the financing and have excellent credit. I now have a hard inquiry against my credit for a young account I can not use on the only place it can be used, XXXX. According to XXXX 's website : XXXX XXXX XXXX XXXX can be used on XXXX and the XXXX XXXX XXXX. Based on my experience, this is false advertising.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A