Date Received: 2020-12-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: contact credit bureau and very seasoned international experts, possible, the interplay between XXXX year old data pattern, possible from usa, possible from other country. possible linked with other action by relatives from other country. use artificial intelligence software to understand that this is only a ramification of this. XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My name is XXXX XXXX with TD Bank account # XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. My due date for payment on my account is XX/XX/XXXX as stated in the picture XXXX above. So I did the payment on this date and is showing in the payment list on the picture XXXX above. However I was charged a {$27.00} late fee on the XXXX. This is a wrongful charge and it has to be voided.
Company Response:
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last date this account was reported was on was XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has expired. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2020-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX an account from Target/TD Bank was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2020-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This person gave me money to deposit and it didnt go through to my account the money was returned to them since its didnt go through and my account got frozen and I need it to be unfrozen
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2020-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my XXXX XXXX. Every collections account is wrong. I have a charge from XXXX XXXX. Never heard of it. PYOD-never heard of it. XXXX I did go to. But I paid XXXX in cash and used my XXXX XXXX XXXX. I think the 4th one is Target. That one is my mom 's account. I have disputed all of them. Target wants me to pay for a notary of my signature. I have told them that they are mistaken. I have sent them a copy of mom 's death certificate. They refused to remove the mark on my credit. She lived with us. I sometimes paid her bill on my credit card.
Company Response:
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/20, the insurance company paid {$27000.00} towards the payout of the car which left a balance that I received a bill for in XXXX with a due date of XX/XX/20. On XX/XX/20 your company reported to the credit bureaus that I was 30 days late dating back to XXXX for {$920.00}, Which was incorrect because I was not late and the insurance company made payment on XX/XX/20. I called several times to correct the problem but all the CSR I spoke with was very unprofessional and had no knowledge that the info they were providing was incorrect. On XX/XX/20, TD Bank charged the account off which the account still was not late due to the bill due date XX/XX/20, which from XX/XX/20, I have 30 days from the due to date to make payment before anything can be reported late to any credit bureaus.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been putting extra money into escrow and principal during 2020. I wanted to insure that the mortgage note would not increase for lack of escrow. I did this the previous year and mortgage was reduced. This year it wasnt reduced but increased reason being that I was short in escrow in spite of the fact they sent me an escrow refund. It was I am not honoring this money because I made up policy for this note to increase. Nor did I get a statement that my escrow was short and I would have an opportunity to pay more money so there would not be an increase. It took them forever to send the refund check even though I called and messaged. I keep messages in TD account. The reason for the increase they said was because of there was not enough escrow. Than why are you sending me a refund. All generic answers that did not make sense. I requested all my loan history of payments. We sent them we sent them we sent them just like the check. We cant respond to messages any more call. I called no copy of what was sent we have to request it. How long do you think this will go on. This is delay and garbage. Now I dont trust them, I am almost positive they did something wrong which is why I wanted documents for a professional to review.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Credit limit changed
Subissue:
Consumer Complaint: I currently have a personal loan with TD Bank for {$3200.00}, as of XXXX XXXX, 2020, my credit report showed a new balance of {$340000.00}!!!! XXXX XXXX XXXX, XXXX XXXX and XXXX DOLLARS. the Representative I spoke with at TD Bank on XXXX XXXX, 2020 advised there was a computer glitch and TD Bank caught the glitch that disseminated erroneous balance information to the credit bureaus and within 48 hours my credit report should reflect the correct loan amount. My credit has already taken a hit and I am puzzled as to how a glitch can make a {$300000.00} error!!! PLEASE Help me. TD Bank did not email me, did not have any messages on their website nor any social media messages. I found out about the error by checking my XXXX Credit Report on my own accord.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Today XX/XX/30 i deposited a check for about XXXX dollars and in the middle of the deposit the atm machine froze turned black and restarted and kept my card and check and never gave a receipt or reflected a deposit on my account.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A