Date Received: 2020-03-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX, XXXX and XXXX are reporting g incorrect information on my credit report regarding XXXX XXXX/Raymour and Flanagan this debt is being report as a charge off and late when it was discharged in my Bankruptcy Chapter XXXX
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A fraudulent account was opened in my name and i have been trying to resolve this with TD Retail Card Services. The opening and purchase occurred in another state. Company refuses to remove from credit report. I've tried to resolve this over the phone but can't get through to their customer service in a reasonable amount of time. Have spent hours on the phone waiting for a representative.
Company Response:
State: NE
Zip: 68516
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: When retrieving my credit report of XX/XX/2019 on XXXX I noticed irregularities which led me to find out I am in fact a victim of identity theft. There has been several charges made on multiple credit cards of mine and then finding out of new accounts that I never opened. I did NOT make these transactions nor open any new accounts. This was definitely a direct result of identity theft. It has now come to my attention that my former roommate, XXXX XXXX with whom I moved in with after separating from wife, XXXX XXXX on XX/XX/19. XXXX has called several furnishers to retrieve information and opened new accounts without my consent. XXXX preyed on my emotions at a very vulnerable time and as soon as I started to suspect irregularities in my financial portfolio, she took her son out of school and moved to XXXX XXXX, NV, I believe living with a grandmother that resides there. I have read The guidelines for the procedure by the FTC and have taken all measures necessary. In addition, I filed 2 police reports in both towns I live/lived for theft and fraud, have put fraud alerts on my credit report with all 3 bureaus, informed all necessary parties of the identity theft and have written letters to all furnishes and the bureaus. As a direct result of this I have lost {$50000.00} and have had hundreds of inquiries falsely made under my name. Today I still receive calls from debt collectors and loan officers. It has been a horrific year to say the least. I have ignorantly now fully educated myself on cyber crimes and the measures one takes to secure and recover their credit. I hope that I am given a refund for the money that the individual has stolen without my consent and my credit report will be corrected appropriately. I also would like to let people know that you dont know when it may happen or even if it will happen at all to you so now being a victim of identity theft I can only suggest to everyone to educate yourself on identity theft and take action to protect yourself. And hopefully together we can fight against cyber crimes.
Company Response:
State: NJ
Zip: 07728
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: a person who I don't know, went into the TD Bank Branch in XXXX Pa and took a standard deposit slip accidently wrote my checking account number on the deposit slip and deposited XXXX into my account. now my question is, why the teller didn't verify the person on the account when the person gave her the cash and deposit slip, certainly she typed in the account number, instead they just processed the transaction. so when I went into my account online, naturally I saw the transaction, printed the deposit slip and receipt of the transaction and took it to the TD Bank Branch in XXXX XXXX XXXX, Pa, where I work. and XXXX told me that it would be corrected in 30 minutes. that was at approximately XXXX XXXX. it was corrected, but I am fearful now that some stranger has my account number on the deposit receipt he acquired after the transaction. my complaint is that no one verified who this person was or the account information with him.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hey I was looking at my XXXX XXXX and noticed my old td bank card that I made a settlement with them I believe in 2018. I do not owe them {$2100.00}. I am looking for this to be solved and corrected. Any questions please feel free to call me.
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Car was voluntary returned due to the vehicle being sold with too many issues ( lemon ) plus it is on the top 10 most stolen cars list which is unsafe. Bank branch promised to update the balance but has not and keeps continuing to call and leave harassing messages.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2020, I discovered that an unknown person had access to my bank account. My bank account had to be closed and another account with a new number was opened. I went online to Nordstrom to update my banking information. I attempted to delete my old bank account but was unable to do so. XX/XX/XXXX, I made a payment for {$50.00}. On XX/XX/XXXX, I made a payment for {$300.00}. Unbeknownst to me, I made a payment from the closed account which was the default account ; making me 63 days past due. My statements are set to be delivered via email ; however, did not look at them as I have paid my bill every month on time without issue. I did not receive a phone call from Nordstrom about being 63 days late until XX/XX/2020. I saw the negative marks on my credit report, contacted Nordstrom and they were unable to help me. I have talked to Nordstrom customer service about have the 30-day late mark removed, however they explained that they are unable to do so. I have since deleted my old bank account and brought my account current. The 30-day late payment has dropped my credit score 43 points and it has had a negative impact on my life. I am requesting that the 30-day late payment be removed as soon as possible. I have tried to work with Nordstrom to no avail. I have never missed a payment or made a late payment to Nordstrom and I would like the mistake to be cleared up.
Company Response:
State: UT
Zip: 84106
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: DID NOT RECEIVE MY 1099-INT FOR TAX YEAR XX/XX/2019. CAN NOT FILE TAXES DUE TO BANK ERROR
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Credit card with TD Bank N.A. I transferred the credit card balance to another credit card. In addition to the transfer, I have faced additional charge, one of witch I paid. I am being threatened with a credit bureau report. I have called them without satisfaction. I attempted to review past transactions but could not access the account. I am a CPA and have put in a considerable amount of time in this matter. I should be reimbursed.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I have an account with XXXX XXXX and I had always made a payment on a timely manner. Unfortunately, around XX/XX/2019, I tried for them to lower my monthly payment to $ 150-200 monthly instead of {$550.00}, however they refused. So I had a past due balance and when I finally started making payment again in the amount of {$260.00}, they still not reporting it to the credit bureaus as they have promised me that, if I start making payment, it will help me. Due to their failure of accuracy report, I am currently having a bad credit report which leads to three of my major credit cards decreasing my limits from {$8000.00} to {$500.00}. I am catching hard times and they are refusing to lower my monthly payments. At this point, I dont know what to do, I am living on the edge, because I am a single mother of XXXX young children and my credit cards have been helping me a lots, due to failed business venture and lack of regular child support. Please help me because each time I called, someone different is telling me something different. They never told me my account has been changed off but still collect my payment and they charged it off for the same amount of the loan which was given to me, although I have be making payment.
Company Response:
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A