Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. During the Pandemic this account showed up on my credit. I have requested the company accept payment which was previously sent to each credit bureau and TD Bank. No Response and on top of everything else this account was also reporting numerous lates on my credit when I said it was mine during the COVID 19 Pandemic. This Creditor was not compliant with the CARES ACT. I paid an account that didnt belong to me, they never waived the lates nor made record of the payments and continue to FAIL to respond to disputes.
Company Response:
State: FL
Zip: 33803
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I write to dispute data by TD Bank USA Target credit account due to missing, incomplete, inaccurate, conflicting and Facially False Data from my recent paper credit reports. I need the exact date of first delinquency supported by monthly statements from XXXX to XXXX. The required exact date of first delinquency is not prominently displayed on my credit reports. Thus constitutes a {$1000.00} willfully violation of the FCRA. I need the exact date of first delinquency on my credit reports. My account must be permanently listed as disputed and it was required to have been permanently disputed when I closed my account in XXXX and TD bank USA failed to promptly or immediately report the account as closed by consumer mandating another willful FCRA violation for {$2000.00} effectively extinguishing the claims if TD bank. Missing data also needs to be inserted. Based on statutory damages and missing credit data it appears that usurious interest has been charged which extinguishes any disputed purported debt. No debt us owed and the account is permanently disputed. If the account remains it must be listed as disputed, closed with the exact date of first delinquency.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card was used for an unauthorized transaction of XXXX, upon disputing transaction I was denied for the most weird reason saying that no one used card after I called to dispute.
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX denied - hard inquiry on credit report - no knowledge XX/XX/2023 XXXX XXXX - No knowledge XXXX XXXX managment - no knowledge Victim of identiy theft-
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX I attempted to close my checking account with TD Bank that was opened approximately 2 weeks ago. I attempted to transfer the balance myself the night of XX/XX/XXXX and was locked out of my account and received a message stating that. I called on the phone and to either close my account or fix my account to be in a position to transfer the money to a functioning account I must enter into a branch which I am 10hrs away from the closest one and was given only that option. Obviously I cant do that and do not have the means to drive 10hrs to close my account and have the funds dispersed to which they said they cant do over the phone either along with being very stubborn. I just need my account closed and the remaining balance of {$120.00} sent in the form of a check to my residence which is different from which is on the account.
Company Response:
State: OH
Zip: 44236
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: What follows is a letter that I send to TD Bank back in XXXX, XXXX. I have had no response from them, and they keep adding " late '' fees to the original balance that I believe is incorrect. This is a classic example of " junk '' fees. TD Bank has reported me to credit bureaus which damaged my credit rating. I used to have a very high credit rating and now not so high. I received the latest statement from TD Bank on this account and the amount they want is up to {$330.00}. On principle, despite TD Banks credit bureau reporting or whatever else they try. I will never pay this bill because I believe it is outrageous and wrong. XXXX XXXX XXXX, NY XXXX XX/XX/XXXX TD Bank XXXX XXXX XXXX XXXX, GA XXXX To Whom it may concern : I am writing to complain strongly about unjust finance charges on my TD Cash Visa Signature Card and to request that you cancel them all. Account information : XXXX Account # : XXXX This is a problem that began on the statement covering the period XX/XX/XXXX XX/XX/XXXX. On that statement a Late Payment Fee of {$22.00} was charged. I called TD bank to ask why. I dont pay my bills late, and had mailed a check on XX/XX/XXXX which was more than enough time for it to reach TD Bank by the due date. You received my payment, total amount due of {$21.00} on XX/XX/XXXX. The late payment fee was charged on XX/XX/XXXX. The late payment fee charged was {$22.00} which was more than the amount due! I called and spoke to your representative on XX/XX/XXXX and was assured that the late payment fee would be removed we both figured that the US Mail was the culprit in taking so long to deliver my check. The next statement arrived covering the period XX/XX/XXXX XX/XX/XXXX. The only amount I should have been charged is {$21.00} a legitimate charge. But what do I find! Not only has the {$22.00} late fee from the previous month not been removed ; there is an additional late payment fee of {$36.00} assessed. So I call TD Bank again on XX/XX/XXXX, speak to a representative named XXXX, who assured me that the late payment fees would be removed. I asked why it hadnt been resolved from my first call, but she didnt know. Late payment fees not removed on statement of XX/XX/XXXX XX/XX/XXXX. Hmmm. Just received statement of XXXX XXXX XXXX, XXXX. The only amount I should owe for something I actually purchased is {$21.00}. But the amount due has risen to {$130.00}!!! This is outrageous! Ive also received two dunning letters, threats actually, which are enclosed for your reading pleasure. Bottom line. Please correct this mistaken and usurious accounting error. Im sure there was some mistake in assessing such charges. Sincerely, XXXX
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX a spoofed call from td bank contacted me acting as a fraud agent on behalf of td bank. They told me my acct was hacked and I needed to open all new accts. I did so bc who was I to question a call from my back. Why would I think it was fraud? I walked the thief through in setting up a zell transaction which allowed him to rob me of XXXX. Td bank fraud dept. will not reimburse the acct saying they can not prove I didn't take the funds out and rob myself and file a claim. I filed and official police report and provided all required documentation and they denied my claim 4 times. I have not yet received notice since I filed the police report on XX/XX/XXXX. It's a criminal offense to file a false police report so they are citing me as a criminal. I want my name cleared and I want the money returned. TD bank is aware of this scam and have done noting to fix it.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir /Madam I am a customer with Td Bank under mortgage loan XXXX XXXX for property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received the attached Escrow Account Discloser statement dated XX/XX/XXXX as it was printed XX/XX/XXXX. BUT I RECEIVED IT BY MAIL XXXX. ( I do not understand why it was printed XX/XX/XXXX and it took a year to mail to me on XX/XX/XXXX?? ). The Statement showed escrow shortage amount XXXX otherwise my monthly payments will be interrupted and changed, however I contacted customer services to make full payment amount of {$1200.00} by wiring from my personal bank account, and it was deducted from my bank account. The surprise is on XX/XX/XXXX ( JUST TWO MONTHS LATER OF MY ESCROW SHOTAGE PAYMENT XX/XX/XXXX ), I received ANOTHER Escrow Account Discloser statement dated XX/XX/XXXX printed on XX/XX/XXXX. The 2nd letter also shoe ESCROW SHORTAGE amount {$2000.00}. I contacted TD Bank customer services several times seeking correction or explanation of why my loan account faces escrow analyses TWICE A YEAR while the regulations required once a year analysis NOT EVERY TWO MONTH!. NO ONE WAS ABLE TO HELP ME. All I am looking for is to review my mortgage account since started XX/XX/XXXX through present based on : Full annual payment submitted to insurance companies and city of XXXX XXXX tax assessor office. Remember TD Bank charged me shortage every year, I do not know how it works this analysis. I will attach tax payment to the city of XXXX XXXX since XX/XX/XXXX through present for the above loan number, bank has the insurance payments record. Please help me and have the bank update my payments and provide me with the updated amounts of escrow payments required to be submitted or credit it back to me. Thank you. XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: This is in relation to a previous complaint I had filed submitted on XX/XX/XXXX about XXXX XXXX which remains open ( XXXX ). I am filing an additional complaint about TD Bank because they seem to have stalled the case completely on their end, in the hope that our case can be resumed. We have been told by XXXX that they have been reaching out to TD since XXXX, XXXX requesting an update on TD 's investigation of this matter, and have consistently been receiving a response that it is still pending. It has been over a year since this incident occurred. XXXX responded promptly to our CFPB complaint but they are still receiving no support from TD, and so we would like to open a complaint against TD as well. Here is the previous complaint description for context : On Saturday, XX/XX/XXXX I withdrew {$14000.00} in the form of a cashier 's check from my the savings account of my bank ( XXXX ) for the purpose of paying a deposit for my wedding venue with the intended recipient being the owner of said venue ( XXXX XXXX XXXX ). I placed the check in a sealed envelope in a public USPS mailbox near my house in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on Sunday, XX/XX/XXXX ( the next day ). I was informed about a week later that the check never made it to the intended recipient, and after contacting XXXX, learned that it had been fraudulently cashed or deposited by TD Bank on Monday, XX/XX/XXXX with the recipient as " XXXX XXXX ''. It was concluded that it had been stolen from the public mailbox and forged with a new recipient name. I had a case opened by XXXX 's fraud department and was assigned a case worker : Case worker : XXXX XXXX Case number : XXXX Reference number : XXXX Dispute number : XXXX We were instructed to sign an affidavit with the receipt from the cashier 's check attached, which we signed and mailed on XX/XX/XXXX. We were assured that we'd get our money back, and informed that typical turnaround for cases like this was up to 120 days. I reached out several times over the next few months with no meaningful update. I filed a complaint against XXXX with the Office of the Comptroller of the Currency, and promptly received an update in early XXXX that XXXX had contacted TD bank to confirm the fraudulent activity, to which they had heard no response. In the 5 months since this update, we have reached back out to XXXX at least 5 times to learn that there had still been no response from TD Bank to their request for confirmation of fraud. I have tried to contact TD 's fraud department, but was unable to get very far without a contact number or case worker. We were told by a representative at TD 's fraud department that it is incredibly unusual for a case like this to take this long. I have written to the Office of the Comptroller of the Currency to reopen the case against XXXX and to file a new complaint against TD. I contacted XXXX again and learned today ( XX/XX/XXXX ), that they plan to reach out to TD once again. It has now been 1 year since this unfortunate event, and there has been no resolution.
Company Response:
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: someone put credit cards in my name
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A