Date Received: 2021-07-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I notified Target in late 2020 that this credit card was opened without my knowledge or permission and reported it as fraud but I have yet to hear back from them. My now estranged wife had used my social security number behind my back to open multiple credit cards without my permission. She is a con artist / serial defrauder and I have had to file for divorce because of this. I have severely and maliciously been defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. XXXX and XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) has recognized that I was defrauded and has deleted their entries from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020 in regards to this fraud. I have also found out that there are 7 other police reports that detail her as the suspect of fraud / theft.
Company Response:
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I TD Bank Operations Center XXXX XXXXXXXX XXXX, ME XXXX Re : Mortgage Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan # XXXX I have had my mortgage since XXXX and never had a late payment. I made a payment on XX/XX/XXXX in the amount of {$1100.00}. In XXXX my payment was adjusted as well as the interest rate. I received a letter on XX/XX/XXXX saying my payment was 30 days late. After numerous phone calls I was told that I was notified in XXXX that my monthly payment was going to change due to adjustments in escrow. I never received such letter. As far as I knew my payment was the same since the beginning of the year. My payment apparently went to {$1100.00}. As soon as I was told this was a problem I paid TD bank {$35.00} to make up the difference of approximately {$29.00}. I then paid my XXXX payment of {$1100.00}. Again, I was unaware of the change in payment which is less than {$30.00}. Again, I was not 30 days late of making the payment but {$30.00} short. My credit score has dropped from the XXXX to the XXXX because of {$30.00}. Again, I have never been late. I was shocked when I found out what happened to my credit. It has taken me a long time to achieve that score. I am XXXX years old and for {$30.00} my credit will be ruined until I am XXXX years old. Not only has this been a difficult year due to Covid and both my husband and I were out of work for many months and my husband is still only working part time yet we still made our payments. I really believe that this minor error should be removed given my past payment history and my credit report looks like I totally missed a months payment. That is not what I call fair credit reporting. I am enclosing the following documents for your review : 1. Annual Escrow Statement dated XX/XX/XXXX ( New payment {$1100.00} ) 2. Interest rate change XX/XX/XXXX 3. Letter from TD Bank XX/XX/XXXX 4. Copies of TD Bank payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 5. Email to TD Ombudsman XX/XX/XXXX 6. Damage to my credit score dropped from XXXX to XXXX 7. TD Banks missed 30 day payment on credit report I sincerely hope that for the minor error in a payment of less than {$30.00} I should not have my credit ruined for years. I am been a customer of this bank for years and this was the first time there was such an error. Please advise at your earliest convenience. Sincerely, XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 I received a phone number staged to be from TD Bank saying there has been fraudulent charges on my account. The fraudster I was speaking to used the info I had given him because I thought he was a TD Bank rep to get access to my online banking and he stated that there were 17 pending XXXX charges from my account to an email with the name XXXX XXXX. But what happened was the fraudster on the phone added a new contact into my XXXX account titled Your Account and was transferring my money from my savings to checking and then issuing XXXX payments. Then I received texts from TD Bank asking if I wanted the payments to be sent to " Your Account '' which was actually the fraudsters contact name he added to my XXXX account was staging as a TD rep. The actions taken by TD Bank was closing my accounts but they did not freeze them at all and they allowed about {$2500.00} in pending charges that were " Next Day Payments '' on XXXX still leave my account and it wasn't until later until we spoke to a different TD Bank rep that we were told that those charges could've been cancelled while they were pending but it was on me to know that and not the TD Bank fraud department because it was done through XXXX. In total the scammer got around {$3500.00} out of my accounts when most of the money could've been stopped from leaving.
Company Response:
State: MA
Zip: 01810
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed a Chapter XXXX bankruptcy that was granted a discharge XX/XX/XXXX by XXXX XXXX. I did not sign a Reaffirmation Agreement and I kept possession of my XXXX XXXX financed through T.D Bank and continued my payments. After a car accident the XXXX was deemed totaled by the insurance company and T.D Bank was paid in full and T.D Bank actually was overpaid and had to cut me a check for the difference. T.D Bank has repeatedly reported to XXXX credit agency incorrect and negative account information. I have reached out to T.D Bank via mail and telephone and T.D Bank has not responded or corrected the errors that were reported to XXXX ( This has been an on-going issue since XXXX ) I have submitted multiple credit disputes with XXXX regarding T.D Bank violating the Fair Credit Reporting Act, each time the dispute resulted in XXXX adjusting or deleting the incorrect and negative account information reported by T.D Bank and within days T.D Bank would report new negative and false information to XXXX. The most recent being XX/XX/XXXX, T.D Bank reported one week that I was currently in a active XXXX XXXX and after I submitted a dispute XXXX deleted it. Within days T.D Bank reported that an account I have not had in ten years was delinquent, missed payments for 30, 60 and 90 days as recent as XX/XX/XXXX. T.D Bank violating the Fair Credit Reporting Act has played a huge role in qualifying for credit line increases, qualifying for low loan rates, credit denial and completely stopped my pre-approval for a mortgage. My lawyer sent a letter to T.D Bank requesting they correct the errors immediately.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
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/2020. 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. 250 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: 11419
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: TD Finance refuse to reply on my 5 certified return letters. I requested the status of my account I requested to answer whether or not Debt was sold, assigned or else? I requested to answer whether or not any Attorney was retained to represent them in court? I requested carbon copies as per Metro2 and E-oscar submitted to all 3 credit bureaus. The company ignored all my requests and never replied to any of my letters.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: We experienced 3 unauthorized withdrawels from our TD Bank checking account. On XX/XX/21 {$10000.00} and an additional {$1000.00} was transferred to XXXX XXXX XXXX On XX/XX/21 {$10000.00} was transferred to XXXX XXXX XXXX XXXX XXXX. The total unauthorized withdrawel was {$21000.00}. We do not utilized either of these online services.
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX. Account Number : XXXX This is not mine. 4. Identity Theft TD BANK NA Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX of Inquiry : XXXX XXXX This is not mine. 7. Identity Theft XXXX/XXXX XXXX Date of Inquiry : XXXX XXXX This is not mine. 8. Identity Theft XXXX/XXXX Date of Inquiry : XXXX XXXX This is not mine.
Company Response:
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXX, TD Bank NA allowed 127 fraudulent charges totaling {$5300.00} and after disputing these charges twice via their XXXX number and also via branch visit, TD Bank states after their investigation fraud did not occur as chip card was detected! XX/XX/XXXX TD Bank contacted via text asking if I authorized {$1000.00} charge to XXXX which I did not. They told me freezing my account and would need to go to branch and get new debit/ATM card. On XX/XX/XXXX when I looked at my account via mobile, my account shown negative balance and broke into tears after seeing 127 Fraudulent charges that all were processed within seconds/minutes/hours of each other and all from state of Florida and meanwhile I was using MY card on legitimate charges here in MA. I hereby state that I did not authorize any of these charges nor authorized the use of my card to anyone ever. 127 changes break down as follows : XXXX allowed ( 92 ) charges totaling {$4000.00} ; XXXX allowed ( 27 ) charges for {$1100.00} ; ( 1 ) XXXX XXXX XXXX {$27.00} ; ( 1 ) XXXX XXXX - {$11.00} ; ( 1 ) XXXX XXXX - {$11.00} ; ( 1 ) XXXX - {$6.00} ; ( 1 ) XXXX XXXX - {$47.00} ; ( 2 ) XXXX charges totaling {$14.00} and ( 1 ) XXXX {$21.00} : Total of 127 FRAUDULENT charges totaling {$5300.00} all from FLORIDA! TD Bank also processed insufficient fund charges and I have returned check fee from my mortgage company as they returned payment - the stolen money is for back pay of mortgage and I need this money credited back to my account before they start any legal proceedings. I need help please. Can not reach a live person at TD Bank Dispute and Claims department and only can dispute via phone or branch then wait for a letter in mail with decision which I have been denied twice. TD Bank employees in branch and on phone state that fraud is apparent due to time stamps, amount of charges made, card charges being made in Florida and MA at same time but keep being denied MY money - please HELP this has been going on for exactly one month today. Sincerely
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX, there was a hard credit inquiry pulled that I did not authorize. I have contacted the company by phone and because I do not have an account with the company I have not been able to speak with a representative to inquire about the hard inquiry that was pulled without my permission or authorization to do so.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A