Date Received: 2021-05-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX of 2021, I noticed that there were multiple inquiries made to loan companies displaying on my XXXX XXXX. Then I realized that a personal loan for {$630.00} was made on my behalf under TD Bank. I contacted the bank multiple times only to be told minimal information and that I would need to complete an affidavit that would be emailed to me. 10 days later, I hadn't received the affidavit ; therefore, I reached out via telephone to the company again. I filed a dispute with TD bank and XXXX. I made a police report and completed the affidavit with potential suspects whom could have stolen my identity, to which I emailed TD BANKS fraud department, that can only be reached via email. I asked for help and information and they brushed me off and told me to contact their customer service team, who can not and does not handle fraudulent accounts. I was able to find out which exercise equipment company the loan was used for and contacted them, only to discover that my estranged brother got hold of my SSN and purchased his girlfriend an exercise bike using my SSN to obtain a loan. He had the bike delivered to my mothers house, where I reside, and then had my mom drop off the bike at his girlfriends house as an " early Christmas present. '' I have repeatedly explained this to TD Bank and XXXX and the delinquent account remains on my credit report, diminishing my credit score 200 points. What once was a XXXX credit score is currently a XXXX credit score.
Company Response:
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XXXX XXXX, I was scammed over the phone by someone claiming to be a fraud claims agent. He gained access to my email and Target Credit Card number and bought {$1700.00} worth of gift cards. Target Card Services sent me a letter stating that because the purchases were made with my credit card number number, I must be responsible for the transactions and are now holding me responsible for the charges. This is absolutely not true. I have disputed the denial and recently sent another more detailed letter to Target Card Services.
Company Response:
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have a charged off account originally with XXXX XXXX now TD Bank. I ha XXXX been trying to pay off the account. When I filed bankruptcy over a year ago TD Bank did now respond to the attorney request for account information. I am now trying to sell my house and can not settle without the payoff information. XXXX for XXXX XXXX XXXX have requested the payoff information three times and I have requested it all with no information for the account or payoff amount. Now I can not go to settlement on the house on XX/XX/2021 due to the lack of response from TD Bank. On XX/XX/2021 I call chairman collection department XXXX and could only leave a message with details of name, account number, and the situation that is happening. I have been communicating with TD Bank at XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account with TD auto was charged off XX/XX/XXXX as well as the truck repoed. This whole charge off account and everything should have fallen off my report at 3 years ( XX/XX/XXXX ) per Mississippi laws for debt collection. TD auto is reporting a balance still today and the balance is increasing each month like interest. This company has the truck and sold the truck at auction for more than I owed and then sent me a letter saying I owed XXXX for it. I have spoke to representatives at the company and disputed with credit bureaus. This is inaccurate information and should have been taken off my credit long ago.
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: there was XXXX where i was scammed for my personal information to get money out my account totaling one amount of {$500.00} & XXXX
Company Response:
State: FL
Zip: 33613
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX I received in the mail a starter check package from TD Bank in XXXX XXXX XXXX. I have never done business with TD bank. The checks had my name proper address and other information on them. I immediately called TD Bank the following morning and was told that my information of course does not align with the person who is committing the fraud so they can not give me any information on the checks or the account. According to them there is potentially money being deposited monthly as a direct deposit and payments being made out of this account.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am requesting your assistance on a complain I have against TD customer service and TD bank fraud investigating representatives. On XX/XX/2021 at around XXXX XXXX I utilized an ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I deposited a check for {$270.00} without any issues. However, a cash withdraws for {$200.00} was not process normally and the ATM did not return my debit card. The ATM displayed a message System is DOWN. Still at TD bank parking lot, I called TD bank customer service at XXXX at XXXX XXXX per my cell phone call log. I explained the customer representative what happened and reported my debit card was lost. On XX/XX/2021, at XXXX XXXX, I called TD customer service reporting two fraudulent transactions on my account of {$400.00} dollars each for a total of {$800.00} dollars. She advised me that the debit card was still active, and the first TD Banks customer service representative did not deactivate my debit card when I called to report my card missing on XX/XX/XXXX. At this time, the transaction where in pending status and to wait until the transaction get posted to submit a claim. On XX/XX/2021, both transaction of {$400.00} dollars plus {$9.00} dollars in ATM fees were posted to my account. That day, I called TD Banks customer service and processed a claim for those two transactions. After seven days, I inquired with the TD banks branch manager at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX and she advised me that the claim was denied two days after I submitted it. Per XXXX FL, TD banks branch manager, TD Banks fraud department denied the claim because the transactions were processed with an active debit card and the correct pin number. I explain to the branch manager the incident on XX/XX/XXXX. So, she filled another claim with the same results. A third claim with a police report was also filled and it was also denied by the TD bank. I called TD bank customer service requesting any documentation related to reference numbers XXXX, XXXX and XXXX last claim submitted with a police report. TD customer service response no documentation is available because it was an internal investigation. My arguments are : Why did TD bank customer service neglected to de-active my debit card when I called on XX/XX/XXXX? Since TD Banks customer service on XX/XX/XXXX did not de-active my debit card, thieves were able to withdraw cash from my account. How did some get my debit card from an ATM within bank premises? Access to an ATM interior is only to bank employee. TD Banks fraud department maintains that the transactions were completed using an active debit card with the correct pin number. First, I reported the card missing and TD Bank failed to de-active the card. Second, TD Banks fraud department never heard of criminals using schemers and other technology to mitigate banks ATM security. No one from TD Bank ever call me to ask me any questions and actual investigate. Third, If TD Banks fraud investigators believe that I am filling a false claim, why they do not file a police report and prosecute me. I believe that filling a false bank claim and police reports are crimes. Thank you for your assistance
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX I took {$40.00} out of my Credit Card XXXX, TD Card Services charged me a fee for taking cash out of a TD ATM. Additionally for over a year TD Card Services has refused to fix their system to allow me to make payments inside a TD Bank store which is in direct violation of the TD Credit Card Agreement, subsection 2 of section G which is found on Page 3. I was told by Card Services that any TD ATM would charge me a fee to take money out to which I proceeded to the XXXX TD Bank ATM to take {$20.00} out and was not charged a fee.
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened a target Credit card in my name i did not authorize this card to be opened, i tried calling TD Bank who is the orginal bank that opened the account and they can not resolve this they don't know who to send me to and it goes round and round with no resolution
Company Response:
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My saga begin XX/XX/2021 when I innocently open an online account. The opening of the account was fairly easy - I receive an email notification, log into my account and as suggested I transfer funds into the account. About a week later I wire more funds into the account. A couple of weeks later - when I am outside the US and I can't log into my account. I call TD, after being bounced around - they tell me I need to verify myself personally ( why have an online account you ask - good question ). I explain to them, that I am out of the US and am stuck because of the pandemic. They say no problem. Silly me I believe them. Come XXXX I am still out of the US - ( but my physical mail is forwarded ) - I see my account is closed. Why - I don't know. No communication, no email. NOTHING. Once again I call customer service and am bounced around. No one seems to know what to do. The folks mean well, but are useless. They said go down to a branch when you get back - they will help you. They also mention the mysterious demarketing department ( like area 51 ) - who I call - but no one ever answers or returns my phone call. Fast forward to today XXXX XX/XX/2021 ). I am back in the US - I go down to a local branch ( XXXX XXXX XXXX XXXX NY ). I speak with XXXX. To say they are unhelpful is the understatement - they throw me back to the XXXX number. I press them and they give me a XXXX number to call the demarketing department - ( remember I did call them - they never called back ). I tell him they never returned my call. He says sorry!! I sit in the back over 2 hrs on the phone w/customer service. I am tossed around like a sack of potatoes. No one can help. No one can return calls. Is this customer service in our day and age??? TD Bank basically stole about $ XXXX from me and I can't figure out how to get it back. I have done some research and apparently this is a known problem. Please help.
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A