Date Received: 2019-09-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: OnXX/XX/2017myinformationwaspersonalinformationwascompromisedduetotheXXXXBreachonXX/XX/2017.Sincethenmanyinquirieshasbeenplacedonmycreditreportthatdonotbelongtome.IntheattachmentIvesentyouarealltheinquiriesthatareonmycreditreport.Ihavecircledtheinquiriesthatdonotbelongtome.IvetriedreachingouttotothesecompaniesbutIhavegottennoresponseregardingthismatter.Pleaseremovetheseitemfrommyreport.
Company Response:
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
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: this credit card has been billing me and has never itemized the charges as I have been requesting for 2 years multiple times. When I call them they leave me on " hold '' and never return. They are hurting my credit score and now threatening to send the bill to a collection agency.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I currently have a TD Bank checking account. on Date XX/XX/2019 I withdrew from my account {$46.00}. After losing my debit card at the nightclub and got my pin stolen they took 2 withdraws of {$200.00} and {$44.00}. I called that night and reported the fraud which my card was canceled. I received a new debit card after a week but my funds were never given back. I disputed these 2 transactions 2 times already with the same response. I have no other choice but to file a complaint.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2019, a XXXX transfer request was sent to an inactive account at TD Bank in the amount of {$1000.00}. The account with TD Bacnk has been inactive since XX/XX/2019 but yet the bank accepted the funds. This account was closed out and restricted in XX/XX/2019 due to fraudulent activity. On the same day, I contacted TD Bank and they informed me that since the account was restricted, it can only accept funds but not transfer it out. I don't understand how can a Financial Institution allow for such transfer of monies to occur on a closed/restricted account. I am requesting reimbursement of the monies mentioned above. Should you need additional information please feel free to contact me at XXXX.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX- XX/XX/XXXX The inquires were not authorized and I dont recognize them
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2018, Delivery Via CFPB, Board of Directors, TD Bank XXXX, XXXX XXXX XXXX XXXX, Maine XXXX - Dear Members of the Board, Please accept this as a Formal Notice of the following allegations and facts as they are known to me. The Sarbanes-Oxley Act ( SOX ) was designed to restore investor confidence in capital markets and help eliminate financial statement fraud in publicly traded companies, while at the same time significantly increasing the penalties for corporate accounting fraud. I have developed material fact, giving rise whereas it is alleged, TD Bank is currently benefiting from false liens followed by the entry of false and fictitious data into a state-maintained a database to falsely account for money. - TD Bank / Duty to Investigate - Several factors go into a Board of Director 's decision as to whether a fraud investigation should be performed. One of the most deciding factors is where applicable federal law would require an inquiry into the fraud or disclosure of known fraud to a government agency. Should TD Bank find the law imposes such a duty of the Board, its Directors, and Officers, and the company fails to comply, severe penalties can result. Several laws impose disclosure requirements on businesses, including 1 ) Monitoring and public reporting statutes, 2 ) The Sarbanes-Oakley Act, 3 ) False statement statutes, 4 ) Civil law duties to a company and its shareholders, 5 ) Accountants and internal auditors duties to investigate, 6 ) External auditors duty to investigate - The Securities and Exchange Commission - The SEC takes the position that senior management and corporate counsel who fail to investigate alleged misconduct and fail to establish appropriate procedures for limiting the prohibited conduct may be held liable for violation the Foreign Corrupt Practices Act ( FCPA ). Similarly, directors and others specified in reporting statute are responsible for ensuring the accordance of required corporate public filings, such as prospectuses, proxy statements, and annual reports. The SEC has held directors liable for reporting violations may exist not only when responsible individuals actually know of misconduct, but also where they know of facts that indicate possible wrongdoing. The SEC has stated that it will not tolerate benign indifference to employee misconduct. Thus an internal investigation into XXXX XXXX XXXX as Trustee and or Custodian, counterparties of TD Bank seems appropriate and necessary under the well-documented circumstances to ensure that public statements and reports are accurate and or amended and, where required, to establish adequate procedures to prevent and limit the illegal conduct. The failure to investigate can lead a company to include inaccurate or misleading facts in public filings, for which the company and its directors and other senior management may be held liable even absent fraudulent intent or actual knowledge of the falsehoods. That having been stated, please consider yourself, as a member of the TD Bank, Board of Directors, hereby Noticed of Document Custody Errors due to the failure of TD Bank, its trustee ( s ), predecessor in interest, successor in interest, parents, affiliates, subsidiarys, agents, employees, officers, directors, shareholders, and attorneys relating to the ongoing loss and harm, from certain obligations, debts, known to TD Bank, due to the failure to transfer accurately, under 12 CFR 1024.35. This failure has resulted in the assignment of False Liens and Clouded Title against 33 unknowing property owners resulting in Unmarketable Title to approximately {>= $1,000,000} of adjoining real property on XXXX XXXX. TD Bank, as Servicer has the duty with respect to document custody to monitor and oversee lien assignments, including the recording of assignments, which include document exceptions. TD Bank failed to oversee the assignment of False Liens against multiple properties located within the XXXX XXXX subdivision further described and recorded in Map Book 9, Page 27 of the XXXX XXXX County Register of Deeds. One such property is my home, XXXX XXXX XXXX, XXXX XXXX, NORTH CAROLINA XXXX. My property was wrongfully encumbered due to, XXXX XXXX XXXX, Trustee allegedly conspiring with one or more third parties by Double-Pledging multiple unrelated contracts against my home and my neighbor 's homes. The underlying deed was returned to XXXX XXXX XXXX, and marked Paid in Full and Satisfied, recorded in Book 2439, Page 0236 at XXXX XXXX County Register of Deeds. This deed was further encumbered by and through the attachment of Seven un-constitutional hidden C-PACE liens. Upon information and belief, material issues exist with respect to the underlying contract, as most significant the custodian lacks possession. TD Bank having again been made formally aware of these continuing and ongoing errors under 12 CFR 1024.35. It is the understanding of the undersigned, XXXX XXXX XXXX trustee is responsible for enforcing the representation and warranties that the seller/depositor gave. As such, XXXX XXXX XXXX manufactured a " SELLER '' affidavit titled Lost Note Affidavit wherein Mr. XXXX XXXX for Parcel Identifier No. XXXX, yet, Mr. XXXX XXXX lacked a valid interest in this deed, therefor Mr. XXXX XXXX could only sell what he had, which was nothing. XXXX XXXX XXXX remains in physical possession of this unencumbered deed recorded upon Book 5061, Page 653 upon the XXXX XXXX County Register of Deeds. Neither XXXX XXXX XXXX or XXXX XXXX XXXX have provided any representations or warranties to TD Bank or any other party with respect to these deeds. These deeds have not been sold by the fee simple owner nor has any interest been, granted to a trustee, or a third party for hypothecation or rehypothecate purposes. Here it appears TD Bank by and through other parties participated in a scheme of double pledging assets they did not own, and now are unable to deliver the treasury, causing a daisy chain of cumulative repo-fails. As has been explained to me, a repo fail occurs when one party steals an asset it does not own, therefor the thief is unable to return the treasury to the owner. To remove any ambiguity, at no time did XXXX XXXX XXXX, apply for, borrow or become obligated for loans in the sum ( s ) of {$560000.00} and {>= $1,000,000} respectfully for the benefit of TD Bank or a third party. XXXX XXXX XXXX / XXXX XXXX XXXX reserve all rights in common law, statutory law, both Federal and State and in equity resulting from ongoing ensuing losses by the failure of TD Bank and its Trustee, XXXX XXXX XXXX to properly oversee monitor and investigate these facts as they relate to the Foreclosure Action under a DOT from XXXX XXXX XXXX, including but not limited to any claims arising under the Fair Credit Reporting Act, the Fair Debt Collections Practices Act, the Truth In Lending Act, and the Real Estate Settlement Procedures Act. Please take further notice, a self-described high bidder wrongfully took and carried away the personal property of the undersigned and his XXXX year old son without the consent of the Note Holder, ( The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the Note Holder. ) This as the note is not lost, it was correctly returned to the undersigned borrower marked paid in full and satisfied. Whereas, good and credible evidence exists in support of the above, respectful demand is hereby made upon, the Board of Directors of TD Bank, given the large sums involved, to facilitate an emergency board meeting allowing Board of Directors to mitigate ongoing losses believed to cloud property titles, pledged with certain government entities, deeming each deed un-marketable and collectively having a value believed to exceed an {>= $1,000,000}, therefore notice is hereby provided to the Board of Directors to reserve accordingly. In the interim, a request made upon TD Bank to prioritize the physical return of the personal property to XXXX XXXX XXXX that was wrongfully taken and carried away without the consent of XXXX XXXX XXXX. I would invite the Board of TD Bank to contemplate the outcome of destroying the property rights and records of homeowners who never defaulted on the mortgage and are now forced to litigate boundary disputes and property rights with adjoining neighbors, along XXXX XXXX. Regards, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, NC XXXX.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TD Bank froze my checking while I'm out of the country. I tried to use XXXX and ACH transfer to move my salary over to a checking account at another bank. So there was nothing out of the ordinary prior to freezing my funds. Customer service informed me that that I can only resolve this at a branch. First bank I really don't trust with my money.
Company Response:
State: MA
Zip: 01880
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-31
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I have been a customer of TD bank for over 5 years.On XX/XX/19, I went into TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for an international wire transfer from my TD bank account to my XXXX XXXX account in XXXX.I went into TD bank with a bank statement from XXXX XXXX that contained all the information required to facilitate the transfer.The amount to be transferred was $ XXXX.US dollars and I was advised that it would equate to XXXX British pounds and that it should be in my XXXX XXXX account by XX/XX/19.I travelled to XXXX on XX/XX/19 because I needed the money to buy a property in XXXX. I went into XXXX XXXX in XXXX, XXXX on XX/XX/19 but the transfer had not arrived but was advised by my bank in XXXX to wait for a few more days. I checked again on XX/XX/19 and the money had not arrived. On XX/XX/19, I rang Td bank from XXXX to notify them about what had happened and was advised to call back on XX/XX/19, which I did.I was then informed that an investigation would need to be conducted.I returned to New york on XX/XX/19 and deposited a pay cheque into my account on XX/XX/19, I discovered that a payment for {$28000.00} dollars had been credited to my account without prior notification from anyone. On XX/XX/19, I went into TD bank in XXXX XXXX.and requested to speak to a supervisor.I was seen by a lady called XXXX and explained to her what had happened.She advised me that the money paid into my account was a refund but that she needed to look into the matter.I informed that the refund is about {$1900.00} dollars short of the original amount and that I was not prepared to suffer a loss of almost {$1900.00} due to a failed international wire transfer because I had provided all the information that was required for the transfer.On XX/XX/19 a few hours after seeing XXXX she rang me to inform me that she believed that some type of error had occurred but she still needed to investigate the matter. On XX/XX/19 XXXX rang me to inform me that the lady who did the wire transfer had just returned from vacation and the reason why the transaction failed was because of an invalid account format.I advised XXXX that my XXXX XXXX account is still live and valid.I am appealing to CFPB because without your intervention I dont believe TD bank are willing to resolve this issue.I have already lost money by travelling to XXXX and failing to achieve my aim.I was not able to proof to the seller I wanted to buy the property from that I had sufficient funds available to purchase the property.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2019-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I found the same debiting of my TD Bank. Checking account. They paid on an item XXXX XXXX XXXX for {$1.00}. There are a lot more. The bank said they could not do anything. 16 + I haven't finished going through the statements I have.
Company Response:
State: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2019-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A