Date Received: 2021-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX XXXX, and XXXX ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX reports as well so in order to correct the inconsistencies between the XXXX XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX XXXX XXXX credit reports. The information for this account listed on my credit report is : CREDITOR : TD BANK USA/TARGETCRED, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$0.00}
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank birching signed agreement from the first billing cycle and don't honoring promised discounts. I wasn't aware on actual prime rate published in XXXX XXXX XXXX on or before XX/XX/XXXX. XXXX I was believed that TD bank and their employees are honest and respectful to own costumers. Unfortunately, it wasn't the case. After reading in major medias about prime rate changes and published rate on XXXX XXXX XXXX I find out that TD bank employees were lying and TD bank was over charging my equity line of credit account from day one for additional 0.25 % gaining substantial amount of money during the period from XX/XX/XXXX until now. I challenged extra charge on my equity account with TD bank representatives, unfortunately there wasn't understanding and honest approach to correct extra charge on my account. With this letter I'm enclosing you fallowing : 1. Copy of HOLOC agreement and disclosure statement. Please read page # 2, clausal # 6, explaining 0.50 % discount from published prime rate in XXXX XXXX XXXX. According to XXXX XXXX XXXX published prime rate on XX/XX/2015 was 3.25 % Please see attached copy chart from XXXX XXXXXXXX XXXX prime rate changes. Please Read clausal # 7 explaining Relationship discount of 0.25 %. Relationship was established on XX/XX/2015 by opening checking account and this account is active and in good standing. According to the agreement my starting calculating rate on balances should be 3.25 minus discounts 0.75 equal 2.5 %. Unfortunately, TD was charging 2.75 % which is higher for 0.25 %. Looking further in every rate change my account is overcharged for 0.25 %. 2. Copies of TD bank statement : Please see attached statements showing each time when prime rate was changed and published. Please compare publish rate and statements which showing discrepancy for 0.25 in every rate change. 3. Copy of XXXX XXXX XXXX chart for published prime rate change.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I WOULD LIKE TO WHY TD BANK IS RESTRICTING AND THREATING TO CLOSE MY ACCOUNTS.I WOULD LIKE TO KNOW THE REASON WHY.I HAVE A RIGHT TO KNOW WHY ACCOUNT IS BEING CLOSED OR BEING THREATENED TO BE CLOSED. I WILL BE FILING A FEDERAL CLASS ACTION LAWSUIT BECAUSE OF THIS MATTER. I WILL BE FILING A LAWSUIT BECAUSE TD BANKING PRACTICES ARE UNETHICAL MANIPULTIVE AND DECIEVING. DUE TO THE MY ACCOUNTS BEING RESTRICTED.I WAS UNABLE TO TRAVEL TO FLORIDA AND BUY THINGS NEEDED FOR DAILY LIVING ... ..THIS IS VERY STRESSFUL AND DEPRESSING.I AM CONSIDERING THIS DISCRIMINATION.WHAT DID I DO TO GET MY ACCOUNTS RESTRICTED AND THREATHENING TO BE CLOSED. I WOULD LIKE AN EXPLANATION TD BANK IS NOT AMERICA 'S MOST CONVENIENT BANK. THEY MAKE VERY INCONVIENIENT FOR THE CUSTOMER. I WILL SEE THEM IN COURT, I WOULD TO BE COMPENSATED FOR THIS MISERY
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent letters for the last several years for Target to validate the date or send proof of the debt. The most recent letter I sent to Target was XX/XX/XXXX regarding a fraudulent account from XXXX. I sent my police report. I also have an identify theft report from the FDIC. Nothing has b been done. XXXX and XXXX removed the debt in XXXX, but XXXX the debt remained on my report. On XX/XX/XXXX. XXXX XXXX allowed for Target to put the fraudulent debt back on my report after I sent in proof numerous times stating that the debt do not belong to me. Section 611 it is plainly stated that a failure to investigation. These items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Company Response:
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
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 monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Checking account opened at TD Bank in my name using my address. Phone number listed on checking account is not mine. Contacted TD Bank and made them aware of the fraudulent account on the day I received the checks in the mail.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: TD Bank is holding up our 'Residential Subordination Agreement Request ', Please help! We Completed the form and provided payment back on XX/XX/XXXX, to obtain from TD Bank a 'Subordination Agreement Request '. We are trying to re-finance our current 1st Mortgage and need TD to complete this subordination agreement to remain in second position. TD Bank mentions this process should only take approximately 30 days, and we are here today more than 60 days later with no news from TD Bank, and no means to reach out to them. Can TD Bank provides an update on our 'Residential Subordination Agreement Request '? We have reached out to our TD Branch Manager XXXX XXXX, but he could not get an update from the Bank other than it is still processing. Our Closing Attorney also tried to reach out to TD with No success. Please help tell TD Bank, to process our 'Residential Subordination Agreement Request ' in a timely matter.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/21 I applied for an increase on my Nordstrom card. I was denied although I have paid my card in full and never missed a payment. I requested a supervisor to override the decision and refused. As I know a company can do a reconsideration based on However, note that issuers are required to reconsider your applications upon request. Under regulation 1002.6 in the Equal Credit Opportunity Act, it states that creditors shall consider any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicants. I will like an increase or they can just close out the account.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On or around XX/XX/XXXX, I received an alert by XXXX XXXX, notifying me that TD Bank reported to one or more credit bureaus a {$25.00} balance with " Open Date '' XX/XX/XXXX. I am not aware of any balance with TD Bank. Since then, I have numerous times contracted TD Bank by phone to determine the nature of this {$25.00} balance that seemingly appeared on my credit report, out of nowhere, on or around XX/XX/XXXX when I was notified by XXXX XXXX. TD Bank has not provided any relevant information to date. Instead, after long waits, I was transferred from one department to another, or l was informed that someone will call me back. They did not. In the meantime, I filed disputes with all three credit bureaus. To the best of my knowledge, none of them resolved the dispute. It seems they took for granted the credit report filed by TD Bank, without further investigation into the validity or lack of thereof the {$25.00} debt/balance TD Bank contends. On or around XX/XX/XXXX, I sent via certified mail, a Debt Collection Verification letter ( using the CFBP template letter as a guide ) to at least three different TD Bank offices. Subsequently, upon my phone inquiries, I was told by two different TD representatives that my certified letter was received by TD Bank on XX/XX/XXXX. Today, XX/XX/XXXX, I called TD Bank again, to find out when I should expect a written response to my letter. After about 40 minutes on the phone, mostly waiting for a supervisor to pick up, I was transferred to TD Customer Service. The Customer Service representative, in turn, advised me to fill out a " Consumer Credit Report Dispute Form '' and submit it to : TD Bank XXXX. XXXX XXXX XXXX, South Carolina SC XXXX Unfortunately, the form shows that the above address is to be used " If you have a XXXX Credit Card with TD Bank ''. I do have a XXXX Credit Card with TD Bank. However, TD Credit Card Services has already acknowledged, in multiple occasions, that my account has been in good standing and I do not owe or have a {$25.00} balance on my TD credit card. As a result, sending the form to this office will not resolve the problem. To avoid further delays, I request that CFPB would contact TD Bank on my behalf to to respond to the specific questions I address in my XX/XX/XXXX letter ( see copy attached ). Below are the questions I addressed in my XX/XX/XXXX letter : " Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. '' Thank you for your attention to this matter.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I never applied for or received this card.Where is the original signature and agreement
Company Response:
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A