Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX, XXXX, I contacted TD Bank requesting an extension for an forbearance for three more months. The company noted that I requested a forbearance. On XX/XX/XXXX, I received an alert from XXXX XXXX that my credit score declined by 60 points. The report indicated that my XXXX payment was 30+ days late and it was reported to the credit bureau. I called TD Bank on XX/XX/XXXX XXXX XXXX XXXX XXXX & they noted that it was a mistake on their end and that they were supposed to extend my forbearance. I called back on the next business day XXXX XX/XX/XXXX XXXX and TD Bank informed me that they will begin the process to remove the late payment. They said this would be repaired in 30 days. On XX/XX/XXXX, after seeing my credit score continue to decline, i called TD bank back and requested an update. TD Bank informed me that they finalized everything on their end and I have to wait for the credit bureau to make the necessary updates. After a few weeks, I decided to dispute my late payment reporting through transunion.com. The results came back that my report was correct- I was, in fact, late in my payment and the late payment reporting remained. TD Bank never submitted the necessary information to repair my credit report to tell credit bureau. In XXXX, XXXX, I called TD Bank ASAP and demanded an update. They indicated that they had not submitted anything to the credit report to repair the late payment reporting. After further discussions and a call back an hour later, TD Bank said that they revised my forbearance starting XX/XX/XXXX and TD bank would report the correction to the credit bureau when scheduled. It has been 30 days and the late payment remains on my credit report. Im requesting that this repair is made ASAP. Its been 6 months and this error has prevented me from obtaining loans & additional living arrangements, etc. In addition, Im also requesting for my forbearance to be extended an additional three months as I paid off the first three months when I made the initial request in XX/XX/XXXX. At that time, TD bank stated that I had 90 days to make 3 months of mortgage payments all at once. So I borrowed the money to make the payment. I didnt want to miss a mortgage payment and cause my credit score to decline.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2021 a checking account was opened in my name with TD Bank. I had recieved checks in the mail of which made me aware of this problem
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have paid Nordstrom a collection account which was determined to be removed and agreed to be removed. All 3 credit bureaus do not report correct scores correlating with each other. Incorrect scores. I am requesting for corrections to be made on each credit bureau that report the same accurate information.
Company Response:
State: NY
Zip: 14043
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An account was opened with TD Bank in my name and checks were ordered and delivered to my parents address.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I seen a lot of inquiries on my credit report that I dont give any company right to run my credit information.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In early XXXX of XXXX my husband filled out an application for a VA loan refinance mortgage at the local TD Bank branch where he does business. I am at XXXX veteran. I served in the XXXX XXXX XXXX XXXX from XXXX - XXXX. After complying with all of TD Bank 's document requests, they had given us a tentative closing date of XX/XX/XXXX. As the date approached, I was in contact with the lender the week before because I was planning a trip to California on XX/XX/XXXX and would not be back until XX/XX/XXXX. I wanted to make sure that we would be closing on the XXXX. The lending officer assured me that things were going along and that I shouldn't worry because our rate was locked until XX/XX/XXXX. Here we are XX/XX/XXXX and we still have not closed on the loan. I have complained several times to the loan officer that this process was taking an exceptionally long time. She requested more information about my job history TODAY, the day our rate lock expired. She said she extended the rate lock for an additional 15 days. I asked her why she didn't ask for clarification on my work history last month. She said the underwriter just requested it. I told her I did not okay a rate lock and would not Okay one without a firm closing date. She said it can take hours for the underwriter to review the loan information, which they now have had for 4 months. During this process, sometime in XXXX my husband received an email asking him to explain about the property he owns in NJ. He does not own property in NJ. The bank mistakenly uploaded another clients information into our portal. My husband was able to see the man 's name and the property he owned. TD Bank pushed it off as if it wasn't an issue. I told her I would be filing a complaint about the handling of this loan.
Company Response:
State: ME
Zip: 048XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX account opened by TD BANK XXXX/TARGETCRED XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " on time '' XX/XX/XXXX Reported as " data unavailable '' ( how is this possible? ) XX/XX/XXXX Reported as 30 days late XX/XX/XXXX Reported as 60 days late XX/XX/XXXXXXXX Reported as 90 days late XX/XX/XXXX Reported as 120 days late XX/XX/XXXX reported as 120 days late ( how is this possible? ) XX/XX/XXXX - Charge off ( account closed at credit grantors request ) Credit Limit - {$300.00} Balance on XXXX XXXX {$440.00} XXXX how is this possible? ) I've tried to get verification on this account from XXXX, the dispute came back as verified with updated addresses that I do not and have never lived at.
Company Response:
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: So my td bank was supposedly supposed to be closed XXXX months later nothing and I havent seen or have had any luck with my money that was in that account Im tired of going back and fourth to the branch and having to call them on the phone
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
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 was shipping for a mattress with XXXX XXXX located at XXXX XXXX XXXX XXXX, NY XXXX. Was going to go on with the purchase but change my mind. Nevertheless they processed my information and charge a credit card {$3200.00}. I received TD bank XXXX which I havent authorizes .Seller refuses to do anything about it.. Bank refuses to do anything about it.
Company Response:
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A