Date Received: 2021-02-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: someone use my Social security number to open a checking and saving account at the TD bank by using online access. I had already close all the account at TD bank.
Company Response:
State: NY
Zip: 11357
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
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 have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but Target is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
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. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been dealing with Nordstrom with incorrect reporting. I settled this account on XX/XX/XXXX for and it's paid with XXXX XXXX was I was told by XXXX XXXX that they would remove this account when the info return was updated with XXXX. When contacting XXXX they said again they couldn't talked to me about this account. I don't understand how I paid this company XXXX but I can't get any information in regards to then updated my credit report.
Company Response:
State: TX
Zip: 75455
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX TD Bank charged me XXXX dollars in overdraft fees after I made a withdrawal. The problem is that they first limited me to only XXXX, and immediately after allowed me to take out XXXX, and then XXXX. They forced me to take it out in 3 separate transaction and had the audacity to charge me XXXX dollars for each transaction. Then they charged me again XXXX dollars for a withdrawal I made on the XXXX even though I made a deposit that same night. Today I found anew charge of XXXX I had no idea what it was for so I called them and they said that it was for the XXXX because 3 payments were processed that day. So within the span of two days TD Bank charged me XXXX, XXXX, and XXXX again just in overdraft fees for a total of XXXX dollars. It's outrageous!
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Sir or Madam, my issue concerns a collection which is fraudulent and which despite being disputed by myself with collection agency operators and through communication with the credit bureaus and with the original company, persists to this day. The account was with target which is owned by TD Bank. I was issued a store card in XXXX. The amount eventually was approx {$3000.00} dollars. I used the card 2 times to purchase sundries and then approx {$200.00} worth of lamps which did not work after a week and which I took back for a credit. At first Target billed me for a late payment when I called they reversed this stating that it was their error. When I began to get bills for the credited items I got upset and called Target again and had the matter cleared up again and then asked the agent to close the card as it was giving me more problems than having it was worth. The reluctant agent eventually told me the card was closed ( with no balance ) and that all was well. Approx. 6 months later I began to get collection letters for the {$200.00} which I disputed, explaining the card was closed. Nothing was due on it and that Target/TD bank should be contacted. Today, XXXX XXXX XXXX sent me a letter stating that the balance owed is {$3500.00}. For what? Apparently for the entire balance of the card which I did not use, and some fees which they feel they have the right to tack on. I am writing this agency in the hopes that it will provide the oversight which is sorely needed by this so called company to erase this fraudulent debt once and for all. Their debt is false, the card was closed with a full balance on it and once that happens nothing can be purchased on it ever again. I will include the account number and all other pertinent information here as this is getting to the point where if I need to hire an attorney I will. XXXX XXXX XXXX XXXX File Number : XXXX Account Ending In : XXXX Balance : {$3500.00} XXXX XXXX TD Bank XXXX XXXX.
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: TD Auto Finance does not operate competently. Repeatedly they record false bank check amounts. I can not access on their website my account. When I call and issue a complaint they do not reply competency or try to resolve this problem. TD AUTO FINANCE. act # XXXX my check recorded incorrectly : # XXXX. Amount posted as written {$790.00} Amount incorrectly listed : {$390.00} Despite repeated requests to correct, no action taken.
Company Response:
State: CA
Zip: 930XX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Every year with TD Bank they purposefully say they never receive my homeowners insurance. They charge me a ridiculous fees. I email, fax and even sent a paper copy of my insurance policy in with my bill. They say thet never get it. At the last minute they say it's been fixed but it never has. Even though i payed and they have cashed my checks they say they can't fix my loan to reflect the correction. It is a scam they try every year to squeeze money out of me or ruin someone's credit.
Company Response:
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Per the purchase agreement they were to include vehicle registration for XXXX and XXXX and an extended XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of XXXX I checked in with my XXXX XXXX services for registration as the temp plate was close to the expiration date. The XXXX representative informed me that they hadn't received title or paid registration for the vehicle. I then went to the dealership shorty there after to inquire what was causing the delay. The dealership representative informed me that because I had purchased a used vehicle my paperwork was delayed as they give priority to those who purchase new vehicles. I then experienced an A/C issue so I took the vehicle in to have it repaired and to my surprise the warranty company had a different service plan under my contract. This is when I realized that the purchase agreement that was given to me at the time of purchase was different than what the dealership submitted to the finance and warranty companies. XXXX XXXX submitted that I purchased a Tire & Wheel 60 month plan ; however, my purchase agreement clearly states that I purchased a XXXX XXXX XXXX XXXX XXXX Plan. To this day I have not been able to repair the A/C in my vehicle due to this error. To this day, the registration has not been paid. I have not driven the vehicle since XX/XX/XXXX and now have been paying storage fees as I am unable to drive the car due to both of these issues. On XX/XX/XXXX I contacted the finance company, TD Auto Finance Bank, and spoke with Ms. XXXX at XXXX. I asked that if I paid off my loan would they be able to provide the title to the vehicle. She said that they would be able to remove the lien ; however, they would not be able to provide the title. I have been paying on this vehicle on time every month. Due to COVID I asked for a 3-month payment deferment which expires next month. I will ensure to make the next payment due on time.
Company Response:
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
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 XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit reports. On XX/XX/XXXX, TD BANK N.A. 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: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A