Date Received: 2019-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Following Complaint Is a Totally Different Complaint Against TD Bank USA/target Credit. This Complaint Is Based on Their Reporting on XX/XX/XXXX, to the Credit Bureaus, Where TD Bank USA/target Credit, Wilfully Violated the Federal Credit Card Act of 2009 on XX/XX/XXXX for Failing to Provide Billing Statements for Periods From, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In Addition TD Bank USA/target Credit, on XX/XX/XXXX Reported That My Account Was Closed on XX/XX/XXXX. This Date Conflicts with Their Account History. If the Account Was Closed on XX/XX/XXXX and Yet They Reported for the Following Dates From, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to Be 30, 60, 90,120,150 and 180 Days past Due, Respectably. I Was Never Was Provided Billing Statements for the above Periods. The Billing Periods Is Where Each Months Where I Was 30, 60, 90,120,150 and 180 Days past Due and Illegally Charged of My Credit Account. Acct # XXXX. TD Bank USA/target Credit Was Required as the Billing Cycle Is a Specific, Recurring Time Period Between Billing Statements. The Federal Credit Card Act of 2009. The Federal Credit Card Act Addresses the Following : A Billing Statement Is a Written Record Prepared by a Financial Institution, Usually Once a Month, Listing All Credit Card Transactions for an Account, Including Purchases, Payments, Fees and Finance Charges. It May Be Mailed to Consumers or Provided Electronically Online. Also Called a Monthly Statement or Periodic Statement. The Card Member Agreement Provides the Terms and Conditions of a Credit Card Account. This Agreement Is Required by Federal Law as a Consumer Disclosure. It Also Represents a Binding Agreement Between Card Issuers and Their Customers. It must Include the Annual Percentage Rate, the Monthly Minimum Payment Formula, Annual Fees and Dispute Resolution Processes. Changes in the Cardholder Agreement Can Be Made, with Written Advance Notice, at Any Time by the Issuer. Cardholders Have the Right to Cancel Their Cards If They Do Not Accept Such Changes in Terms, and Pay off Existing Balances under the Previous Account Terms in Such Instances. Charge-offs Are the Uncollected Credit Card Balances That Have Been Overdue So Long They Are Removed from the Books and Charged Against a Banks Loss Reserves. Your Original Card Issuer Will Typically Attempt to Collect on the Account Only until it Reaches 180 Days past Due. At That Level of Delinquency, My Unknown Was Charge Off the Debt from Their Books, as this Is an Accounting Measure the Creditor Uses to Move Your Account from an Asset to a Liability. I Demand a Copy of the Billing Statements and Collections Notices for the Following Dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As Reported by TD Bank USA/target Credit on XX/XX/XXXX to the Credit Agencies. TD Bank USA/target Credit Provide the Billing Statements and Collections Notices for the Following Dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Only Proves They Committed a Violation of the Federal Credit Card Act and Is Grounds for the CFPB to Take Action Against Them as They Also Reported My Account Was Closed on XX/XX/XXXX.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account shows 90 day late in making payments. I have called the organization several times to set my self up on auto draft. Since i simply do not have the time to call in to make the payments. i was sent an auto draft enrollment paper which was signed and sent back to the creditor. I was under the impression that i was already set up for auto draft, but now my account is showing 90-120 days late. I am disputing this late occurrences.
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
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: So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2019, I was in XXXX ( located at XXXX XXXX XXXX, XXXX NY XXXX ) and after I made a purchase I either lost my ATM/Debit Card, or it was stolen. The next day when I called my bank ( TD Bank ) to check my balance I found three unauthorized transactions on my account and told the bank representative that I did not make these three purchases. The three unauthorized transactions were another transaction at XXXX, a transaction at XXXX XXXX XXXX XXXX and a transaction at XXXX XXXX. When I informed the bank representative that I did not make these purchases, I started a fraud claim with the bank. The next day I was told that the bank believed that I made those transactions and that they were not fraudulent because the transactions were in-person, using my bank card. I did not make those purchases and closed my claim. I demanded to speak with a supervisor. The supervisor informed me that because the bank believes I did make those transactions, so I must file a police report for the bank to refund the stolen money. I went to the police department on XX/XX/2019, and filed a report with the detectives. The detective was able to obtain surveillance video and pictures from the video which he showed to me and gave me copies of. I gave the report to the bank, along with the pictures. The pictures show a young XXXX woman using the card to make the transactions. I am an old XXXX woman. Clearly I am not the person in the pictures making these purchases. Since giving the report and the pictures to the bank I have called for updates on at least three occasions. The bank 's fraud department tells me that my first claim was denied and they do not see a second claim ( the one with the police report and pictures ). I have asked them reopen the claim with the supporting papers, but they tell me I " probably won't get the money back anyway ''. It was not a lot of money ( {$230.00} ), but I am an elderly woman and a very fixed income. That was all the money I had for my food and medicine until my next social security check. The bank has been rude and unhelpful, accusing me of making the purchases when I clearly have not.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD auto finance is reporting a commercial account to my personal credit report, I dont have a personal liability on this account but they are reporting it to my personal credit. I am requesting to remove this account from my record.
Company Response:
State: IL
Zip: 60062
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I've requested statement copies as well as account agreement for checking account opened with TD Bank, last request was made several weeks ago and nothing received to date. A XXXX package received from TD Bank was empty, possibly tampered with. I need statement copies from account opening to closing, the account is closed and I do not have access to online statements. I also need account agreement
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I recently called my bank in order to see if I qualified for a title loan. The reason for my request is that I have recently fallen behind on my child support payments and my license, as a result, had been suspended. The customer service agent conveyed to me that TD Bank doesn't offer this type of loan, however, see did inform me that I might be interested in TD Rewards card. The card would allow me to retire some credit card debt via balance transfer which in turn would free up credit for a cash advance. She told me that the application could be completed over the phone and the entire process would take ten minutes. However, the process would require a hard inquiry on my credit report. This concerned me because I was aware of the adverse consequences such actions have on ones credit score. I specifically remember the sales agent saying that a " decision '', approved or not approved, would be rendered immediately. As much as I didn't want the hard inquiry, I accepted the offer to apply for the card. Indeed the response was immediate, but it did not indicate approval or non approval. The response from the computer was that I would hear from TD Bank via mail within 7-10 business days as to whether I meet the criteria for the card. At no point during the call did the sales agent warn me that there was a remote chance that I would have to wait 7-10 days for a response. Indeed, the immediacy of the decision played a major factor into me agreeing to apply for the card. I asked top speak to a supervisor to voice my displeasure with the process. I told a woman named XXXX that I was told a binary outcome ( yes or no ) would be rendered in 10 minuets ( not 7-10 days ) if I agreed to the application process. I told her that I would like to have the hard inquiry removed from my report or to resubmit the application with an eye towards approval given the circumstances. She told me that the hard inquiry could not be removed but she could resubmit the application. This didn't inspire much confidence in me given that no additional financial underwriting had been offered or performed than that which had already produced and undesired result. So now I'm left with no TD Bank rewards card and a hard inquiry on my credit report. In retrospect, I feel that I would have been better off if the original sales agent had simply said that TD Bank does not offer title loans in New York and if that was the end of the conversation then no harm no foul. However, obviously this was not the case.
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2019 Td Bank XXXX XXXX XXXX XXXX XXXX Case : XXXX To Whom it May Concern, I filed a dispute on XX/XX/2019 for the amount of XXXX. This transaction was debited from my account on XX/XX/2019 paid to XXXX XXXX via XXXX payment. This payment was for services that were not provided. The recipient acknowledged the services were not provided as agreed and offered a full refund which I accepted. The refund was never issued and the recipient stopped communicating. I have attached all supporting document for this case to be properly investigated.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: When opening my TD Bank checking account the banker that was helping me out signing paperwork misinformed me about td debit card advance and fees associated with the service and tolled me we will not charge a fee for purchases that overdraft the account by {$5.00} or less and you can continue to overdraft under {$5.00} and we still will not charge you a fee unless transaction goes over {$5.00} With that information given I went ahead and used my debit card a week later to overdraft I knew the amount of the purchase was way above XXXX dollars and so I would be charged {$35.00} i was fine with that because Payday is coming up, then I make some more purchases on my account less than {$5.00} and Im geting charged {$35.00} Per each transaction that overdrawn me more and td bank would not refund me, this is insane! Almost {$250.00} overdrafted! And I only was overdrawn $ XXXX dollars!!!!!
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A