Date Received: 2023-09-06
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: my credit was ran through these companies without my knowledge and put on my credit without my consent of me knowing and would love to have them removed from my inquiries dates in start from XXXX XXXX
Company Response:
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had XXXX credits to be given to me from TD Bank of {$400.00} and {$330.00} and the bank said they credited me but never did. The bank said the XXXX was not posted but it was a transaction made for XX/XX/XXXX and the merchant said that they had credited me for this purchase I did not use but calls to the bank do no good. The bank refuses to put the bills for these into my account but the vendor claims he cancelled both of them so the vendor said the bank is holding my money that the vendor gave back.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I received an incoming wire on XX/XX/23. As a result, I was charged {$15.00}.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have not received a statement since XXXX of last year. Called the company using the number provided on the card. Voicemail referred me to another number. Called that number and could not find a human being. Shortly thereafter I received a statement from the collection agency. I have no idea whether this statement is correct. Until I see statements for period in question, I have no way to verify the debt. Debt is not large because I have been ill and have not used the card, but I am reluctant to pay blindly. I am also concerned my credit has been adversely affected by this process.
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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: XXXX XXXX, I had three charges from XXXX on my TD Bank credit card, all on XXXX XXXX. {$140.00}, {$100.00}, & {$140.00}. I went to the bank and told them the problem and they took the charges off my credit card. Then, I thought the problem was solved, but every month, from XXXX XXXX thru XX/XX/XXXX, there have been unauthorized charges on my credit card. {$140.00}, {$140.00}, {$150.00}, {$150.00}, {$57.00}, {$210.00}, {$210.00}, & {$210.00}. I have filed multiple disputes, but TD keeps sending me letters, that say, no fraud has taken place. I have even did what they asked me to do, go to the XXXX site and put in my email address and then select, forgot my password. I did and what came back was, there is no account associated with this email. What else do they want me to do? I even asked TD Bank to send the info that XXXX and they refused. I am not computer savvy, and do not know how to upload info. I did email someone at XXXX and they told me to send them, full name of cardholder, last four digits of the credit card, expiration date, amount charged, transaction date, and billing address. I did not feel safe sending the card number and expiration date. I asked if I could fax the info and was told no. TD has all the info and I would give permission for them to send it to XXXX, to get this mess settled.
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On about XX/XX/XXXX, I received an instant message stating that I need to contact Cash App because fraud had been detected on my cash app card which was attached to my TD Bank account. I called the number provided ( see email provide to XXXX XXXX ) and was told that I should put in several codes provided by the person to correct the problem and did as I was told. Not realizing that the codes were actually dollar amounts being scammed via cash app and XXXX from my bank account, which actually started on or about XX/XX/XXXX directly through cash app and without my knowledge. Before I realized what was happening the scammers had depleted my entire bank account of approximately {$15000.00} of FDIC Insured cash, leaving me owing the bank. Once I realized that I had been scammed, I immediately contacted the bank ( see email ) and cash app and file a fraud report. I was told by cash app that they were not responsible and could not stop the transactions ( see email attached ) and I was provided provisional credit of the missing funds in about 3 day by TD Bank. On XX/XX/XXXX, I was notified by TD Bank that my account had insufficient funds available and was locked out of my account access. I had not spent the entire provisional credit and should have had {$6600.00} available. I immediately contact TD Bank to obtain information about the issue and was told that they had taken the FDIC insured provisional credit back after review of my claim and that I now owed the bank {$6600.00} and that no transactions would be allowed on this account. I disputed this resolution with the bank and while waiting for the results of my dispute on XX/XX/XXXX, my FederaXXXX XXXX Allotment of {$1700.00} received into the acccount ( see email ), which was not suppose to be allowed, was used by TD Bank to pay off some off the disputed amount. This XXXX allotment should have been returned to OPM ; however, the bank decided that they would do as they pleased after treating me as if I were the scammer who committed fraud on myself. I filed a police report ( see attached ) with XXXX XXXX Police, to investigate the bank and scammers. I am permanently XXXX and need my money to survive. I would like for the CFPB to conduct an investigation, have the bank return my funds, and be compensated for the inconvenience and further deterioration of my mental and physical health XXXX do to their actions.
Company Response:
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my report the companies that I didnt apply or doing business with are showing. These are XXXX reports on my account and Ive never applied their services or doing business with them. Please remove these from my report. TD auto finance XXXX XXXX XXXX TD auto finance TD auto finance
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
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: I made a purchase at Target in store XXXX Ohio. The items were on sale 2 / {$8.00} so I purchased 4 total to equal {$16.00} I was charged {$20.00}. Over charged {$4.00}. I did call customer service when I noticed last month. I was told wait until posted on my bill and dispute. Today I reached out trying to do just that but was put through a second verification. I declined after being verified by automated and then one live agent. A third verification was a little much. I didnt return to the XXXX Store it was 40 miles away from my house.
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Closing on a mortgage
Subissue: Delays with the closing process
Consumer Complaint: XX/XX/XXXXXXXX Property address XXXX XXXX XXXX, XXXX, NY XXXX Account # XXXX To whom it may concern, I need answers to my questions, if you can not provide answers, please find someone that can so we can save some time here. Summary : I have requested a DIL back in XX/XX/XXXX, my request was not acted upon until XX/XX/XXXXXXXX and then I find out the deed on the house was not considered valid. It then took months for TD to correct the deed. Then I am being told that the DIL can not go forward since there are taxes to be paid. At that point apparently I owed about {$45000.00} to XXXX XXXX. If the deed would have been corrected immediately, the bank would have owned the house and there would not be an issue. I have paid taxes for an entire year when I requested a DIL. There was plenty of time for TD to correct the deed ( which I did not know at the time was incorrect ). I need TD to correct my credit, my credit is now ruined because of this situation. Does anyone feel responsible for anything in my situation, and if you do what will be done about it? I need to know WHEN this ordeal will end and HOW it will end, what is left in the process, what are we waiting for etc. To top it all, I got a letter from TD bank that I can still live in my house until a judgment is rendered. This is 6 years later, after they have locked the house and charged me with inspection after inspection. To the judge : I would appreciate it if the judge would read this and attempt to correct this situation. Here is what I want : Take ownership of the house and correct my credit.
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A