Date Received: 2021-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. On XXXX XXXX, 2019XXXX XXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 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: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I notified the credit card company that the initial account was opened fraudulently. Ive also notified all three bureaus of this. The company is now violating my rights under The FCRA and has re-opened an account that should have never been there in the first place. The account is showing re-opened in my credit file as of XXXX and has also cost me -45 points.
Company Response:
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have attached correspondence, but essentially, TD Bank refuses to close my account unless I : 1 ) Visit a branch in person that is hours away, risking the health and safety of my family during a worldwide pandemic, 2 ) Get a notarized letter, the process of which risks the health and safety of my family during a worldwide pandemic, to facilitate closure of the account, or 3 ) transfer out the funds from the account - which had already been done until they accrued {$0.00} of interest before processing the closure - an amount too low to transfer. Rather than writing if out or issuing a check, it's " hey we don't care about COVID '' - over literally XXXX XXXX. Their recklessness is shocking and disturbing to me, and if I weren't already trying to close my account I surely would be now.
Company Response:
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
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: Following XXXX Friday, XXXX XXXX was having a promotional sale for 0 % interest for qualifying applicants. I applied for the financing since I had been wanting a XXXX machine for about 2 years. After being approved by the credit card company ( TD Bank ), XXXX XXXX could not find my information and would not complete my order. I attempted to order through the website multiple times but kept being unable to complete the order since my account could not be found by XXXX XXXX. I attempted online and over the phone purchase for about 5 days, I believe. Finally, I sent an email on XX/XX/XXXX, stating my complaint that I had applied for and been approved for financing and that, through no fault of my own, I was being denied the good being advertised. The following day my order was completed almost without issue. I received email confirmation on XX/XX/XXXX, that my Rowing machine was ordered. In total, that transaction, the only transaction I authorized on this card, was billed at {$990.00}. That is the only amount I authorized. On XX/XX/XXXX, I checked my online account through TD Bank for my XXXX XXXX credit card. I noticed a charge made on XX/XX/XXXX ( XXXX ) for {$1800.00}. I called to dispute the charges and was told that they would freeze or close the account. I told them that the one and only purchase I intended to make on that card had already been made. Nevertheless, currently, my online account through TD Bank shows that the order from XX/XX/XXXX processed on XX/XX/XXXX, the day AFTER I disputed charges. Furthermore, I again checked my account on or around XX/XX/XXXX. I noticed a charge for roughly {$300.00} on XX/XX/XXXX, at that time. I again called and disputed the charge and asked why my account was not closed. I was told that while the disputed charges were being investigated, I could not close my account. I asked how long that would take and was told there was no way of knowing and I needed to wait it out. I do not know what the exact purchase price for the unauthorized charge on XX/XX/XXXX because the website TD Bank uses for online access to users accounts no longer reflects that charge. In fact, both my statements from XX/XX/XXXX and XX/XX/XXXX state there are no transactions and I am unable to access them. The only charge that still shows online is the XX/XX/XXXX fraudulent purchase with a reference number, which I can provide upon request. And yet, my total balance is currently {$3000.00} despite the fact that only {$990.00} was authorized by me. No statements are available online. I made a {$100.00} payment on XX/XX/XXXX and enrolled in auto pay so as not to miss any payments. That is recorded online, thankfully. However, this is frustrating because my monthly payment amount is higher than what I contracted for when I applied for the financing for my single purchase of one piece of equipment. My credit utilization is high enough to hurt my credit score. Further, I am uncomfortable with my bank account information being shared with an entity, which frankly I believe mishandled my personal information in the first place, leading to someone else utilizing my card without my authorization. Additionally, the online account is as bare as possible with unusable features and inadequate access to MY financial information. That same entity is taking quite a while for what should be a simple investigation. Where was the other equipment shipped? I can promise you it was not to my house or anyone I know. I called TD Bank once again on XX/XX/XXXX because I noticed that the XX/XX/XXXX charge of ~ {$300.00} was not marked as disputed as I had requested. I asked when I could expect an update on the investigation and was told that early XXXX would be when I could expect to hear back. I subsequently received a mailing, dated XX/XX/XXXX that my disputes were still being investigated. I opened that piece of mail today, which is what is prompting this complaint. I think it is worth mentioning that while I've been concerned enough to call TD Bank multiple times, I have not once been contacted during the course of their " investigation. '' I will never be using TD Bank again, nor will I purchase subsequent equipment or other services from XXXX XXXX. This entire interaction, from beginning to end, has been shady, unprofessional, and entirely mishandled from both TD Bank and XXXX XXXX.
Company Response:
State: NM
Zip: 87120
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing today in regards to my account with TD Bank NA account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX. As soon as I was able to I reached out to TD Bank to let them know that I was unable to make that payment because I was sick with XXXX and I got the account caught up. Due to this being XXXX related the rep notified me that they will look into having the late mark in XX/XX/2020 updated to paid as agreed or not reported and have not heard back from her. .
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Purchased cell phone from XXXX and they are using T D Retail for the financing. This is a interest free account. When I opened up the account they gave the option for emailed statements, the failed to send statements the just sent a website link. I was unable to get in their website, wirh the link they sent, there was no contact information. I was unable to get payment information or where to send payment. I was out of town due to covid and wasn't traveling. When I got home I contacted T D Retail and payed the principle payments current and disputed the late fees due to their website issues and not emailing me the real statement as promised. They have not resolved my dispute they just give a canned response to call their customer service folks. They are unable to resolve the dispute and they can't transfer me to a supervisor or director who can escalate my dispute to. Meanwhile, I keep getting charged late fees even though the charges are disputed and I am paying the principal charges.
Company Response:
State: NE
Zip: 680XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received letter on account from a bank I do not do business with stating thank you for your new checking account. Account was opened XX/XX/XXXX online in my name. I Closed account with bank. Filing report with fraud department, SS and FTC.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I was unable to dispute a item online and Im getting a error message on my XXXX credit report I contacted XXXX and see if they can fix the issues and some reps dont know what Im talking about and they keep Transfer me to different departments and Im still cant access my dispute items and Im getting a error messages my other issue is that I have a credit card that shows is in dispute and it not in dispute its a target credit card and its not showing the balance or any credit history and there is a glitch on my credit report I need have that fixed
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am writing today in regards to my account with XXXXD Auto Fin Account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I contacted my local branch office ( TD Bank ) on XX/XX/XXXX to pay off a personal loan in full. I was informed this could only be done in person. On XX/XX/XXXX I went to my local branch and made a payment for the balance of the loan. I returned home that night and checked my on-ling banking, the loan was no longer listed. Two days later I checked my on-line banking and saw the loan had been re-opened and an additional monthly payment ( {$390.00} ) was taken out ( XX/XX/2021 ). I called the bank to discuss this mistake. They explained it would take several days but the money would be returned to me shortly either by transfer or check. As of XX/XX/XXXX I had not yet received the surplus withdrawal back to my account. I called the bank again and was told the payment would be going out by check and I would have it within the week. As of XX/XX/XXXX I still have not received the payment. I called again and was told that the check was processed on the XXXX and I should receive it soon. While I hope this is the action that will occur I am unsure at this time. Having been lied to multiple times now by the bank and having them repeatedly change the date of the return of my money I decided to file this complaint.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A