Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and TD Bank USA/Targetcred, XXXX, and XXXX XXXX XXXX. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 915XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: When I inquired about a first mortgage rate for my mobile home refinance, I understood the interest rates were higher for mobile home lending vs a regular site built home. I don't think that is right and would like the CFPB to investigate this, please. No need to get back to me. I know you'll look into this concern. The bank is TD Bank. Thank you for your time!
Company Response:
State: FL
Zip: 32536
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019, XXXX XXXX via TD AUTO FINANCE add a hard inquiry on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am writing to dispute a billing error for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3600.00} ) on my TD account. I practice good faith and ethics when dealing with both TD Bank and XXXX XXXX as a consumer. I responded immediately to XXXX XXXX employees for their false reporting of incorrect numbers owed by me. I physically made several visits to the store and had intense phone conversations with the XXXX XXXX Employees. The service desk personnel and the Store Manager assured me that the corrections would be corrected. I disputed with TD Bank as soon as I saw the charges. TD Bank said the investigation would take 90 days. TD Bank sided with XXXX XXXX. XXXX XXXX submitted false paperwork with a pasted signature. I purchase two pieces of furniture for a total of XXXX. XXXX submitted a second chair, which I never purchase forXXXX. This is fake, a fraud to extort monies not owed by me. XXXX XXXX was in business for 6 months and now declared bankruptcy. They has decided to to resolve the issue. There should be original paperwork that proves I only purchase one chair and one loveseat.TD just made the decision without showing me their findings. If they had I would told them the paperwork was faked.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have the XXXX XXXX card issued by TD Bank. I had an expiring deferred interest plan expiring on XX/XX/XXXX for {$120.00}. I made a payment in this amount exactly on {$120.00} to avoid deferred interest. TD did not apply this payment to the plan and instead applied across my balances. I tried multiple times to call them and their hold times were extended due to COVID. I finally spoke to an agent on XX/XX/XXXX and she told me she was not able to resolve the problem and redirect the payment because it had been more than 60 days since the payment was made. This is a billing error and TD should be able to resolve this regardless of when i notify them. Terrible service
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a checking account at TD Bank. This is in MA. Yesterday morning everything was fine. Last night I could not access the account online. It just basically acts like no account exists. I called multiple times today, and no one could tell me what was happening. There is {$1100.00} in the account and it isn't showing up online and no one can help me. I don't have access to the money and I have no idea how to get the money or what is going on, or why it was closed ( the last person I talked to said it showed as closed ). I haven't done anything wrong with the money or account and there is {$1100.00} in there they are holding from me without any update as to what is happening.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are two unauthorized inquiries on my credit report. The credit report does not have a contact phone number for the companies requesting my credit report. I tried calling from phone numbers on line to find out who and why these two companies are inquiring on my credit, but was not able to speak to anyone about this issue.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD bank marked me as late in XXXX of 2020 when in reality I wasnt late. I made a payment at a local TD Branch, and due to an internal glitch in their system. Although the branch admited that the payment wasnt processed as per branch manager, TD credit card servies is refusing to take responsibility for what occured in the branch, and are continuing to report a 30 day lateness for the month of XXXX. This account wast late, and shouldnt reported as such. Please correct the error.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: on XX/XX/XXXX I took out a loan for a mobile home ( XXXX XXXX XXXX. XXXX XXXX, NJ XXXX with XXXX XXXXXX/XX/XXXX of XXXX, ME. ( account # XXXX XXXX the loan was paid in full in XXXX. I do not have a Title or Lein Release. I am now trying to sell the mobile home but can not because I do not have a copy of the Title. NJ will not issue the Title with out a Lein Release Letter from XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX became XXXX sometime around XXXX and in XXXX became TD Bank. I contacted TD Bank back on XX/XX/XXXX to get a copy of the letter but they can not find any records of the loan I have been going back and forth with their archive department and will not send me a release. NJ Motor Vehicles recomended I contact NJ XX/XX/XXXX They informed me they do not regulate TD Bank and forwarded me to the OCC which opened Case # XXXX and are requesting additional info. It was also suggested a complaint with CFPB so here I am. I am stuck paying monthly Association fees & Utilities until I see my mobile Home which I can not do until I have a title, to date I have had to pay over {$3000.00} out of pocket. Please help or tell m how to resolve my issue, everybody sends in circles. The loan has been paid off for about 18 years, nobody claims I owe them money for the property but I can't seel it because I don't have a title. Thank You, XXXX XXXX
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: TD Bank Fraud Compliant XXXX XX/XX/2021. On the afternoon of XX/XX/2021, approximately around the hour between XXXX XXXX and XXXX XXXX, I received a call my bank T Bank N.A the Representative on phone indicated that an attempt of {$450.00} was made at a XXXX XXXX in XXXX, Florida. In told the official that was it not me and I am at my job at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was totally assured that I was speaking to representative from the TD Bank because of my caller ID on my mobile unit which identified in coming calls and out going calls. This is what was displayed on phone screen as a incoming call TD Bank ATM XXXX XXXX XXXX XXXX, The representative from the bank told me do not be alarmed that the transaction did go through and deemed suspicious, and my account was shut down, the representative from the bank then said to me that he need to investigate what happen and that he will assist me with setting fraud alert on my account and he will be sending me a text indicating that an attempt for {$100.00} and I should replying y for Y for yes however this is just a test, and my card would not be debited, I did reply with a Y for yes. At that time the call disconnected and the same representative of the bank called me again and indicated to me that again will send another text and I should reply N for no on this text message, however that text message never came, the representative told me on several occasion that he sent the text messages of which never made it to my phone, he again assured me that every thing would be sorted out and he will be sending me a new card in the a in a few days in the mail. Again the call was lost and the representative from the TD Bank called me again and said to me that every thing will be taken care off, and that was the last I heard from him, as matter of fact there were three ( 3 ) call from TD Bank ATM to me that evening, the first call was at XXXX XXXX and lasted for 21 minutes 58 seconds, second call was at XXXX XXXX and lasted for 24 minutes and25 seconds, third call was at XXXX and lasted15 minutes and 14 seconds. The following morning XX/XX/2021 I logged onto my online banking and discovered that there was Twenty Two ( 22 ) transaction on my debit card the day before with a total amount of XXXX XXXX XXXX XXXX XXXX XXXX Dollars and XXXX XXXX cents ( {$1900.00} ) I immediately call the bank at XXXX XXXX on XX/XX/XXXX to inform that that those transaction were not done by me and that I want my account shut down, the representative asked if I wanted to make a claim, I indicated yes to her, she made the claim in above mentioned sum of monies, she made the claim and provided me a Reference number, I continued to monitor my account my account and realized that my account was not closed, and my card was still being used, I called the TD Bank a total of six time that day XX/XX/XXXX, my account shut on my on my sixth call at XXXX XXXX that evening, by the time my account was shut down, there were another XXXX transaction on my account with a total of XXXX XXXX XXXX XXXX and XXXX XXXX Dollars and XXXX XXXX cent, with a grand total of XXXX XXXX XXXX and XXXX XXXX dollar and XXXX cents. I since then I have filed a Police report of which I have forwarded to TD Bank coupled with my time sheet stating while these transaction were happening I was at my Job in XXXX NY. With all the transaction happening In Florida. And mostly at XXXX XXXX. I have made three claims so far and T D Bank has denied all my claims, stating that there were evidence of fraudulent activities. XXXX XXXX Mobile XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A