Date Received: 2023-07-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Target store sent me an email XX/XX/23. They thanked me for applying for a credit card. I never applied for it. XXXX. XXXX I emailed them. I wrote 1. I never applied for the card. 2. I am not responsible for any charges. 3.Cancel this card 4. This is Identity Fraud.
Company Response:
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: i got a notice from XXXX XXXX that an application and hard inquiry were made in my name for a target credit card yesterday XX/XX/XXXX on XX/XX/XXXX i also called target to tell them it wasnt me. called XXXX to tell them it wasnt me and update all my info. mailed XXXX a letter to update name and address. called the local post office to let them know i moved 2 years ago and should not be getting mail at that address anymore. came here to fill this out XX/XX/XXXX
Company Response:
State: AZ
Zip: 864XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding the unjust investigation of three fraudulent transactions that occurred on XX/XX/2023. Despite providing concrete evidence, I have been informed that my case has been closed, and I have not been properly assisted in resolving the issue. To begin with, I want to emphasize that I only have a XXXX XXXX account since XX/XX/2023, and the two fraudulent transactions of {$110.00} and {$30.00} were both made from XXXX. I have no affiliation with XXXX-XXXX, and these transactions are undoubtedly fraudulent. Furthermore, a third transaction of {$4.00} was made at a place called " XXXX XXXX XXXX. '' As a XXXX, I do not consume candy, and I have no knowledge of such an establishment. I have taken all necessary steps to address this matter promptly. On XX/XX/2023, I filed a police report at the XXXX precinct located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. A detective is currently handling my criminal case, further validating the seriousness of the situation. However, when I spoke with a female supervisor from TD Bank 's US headquarters on XX/XX/2023, I was shocked to learn that the investigation had been closed without a satisfactory resolution. The supervisor 's explanation that the transactions were not fraudulent because the thief would not stop at three transactions in a day and that I must know the perpetrator was both baseless and unfair. It is essential to note that TD Bank had already closed my account and reissued me a new card, making it implausible for additional transactions to occur with the canceled card. I firmly believe that TD Bank 's handling of this situation is in violation of the Electronic Fund Transfer Act ( EFTA ) and has severely infringed upon my customer rights. Therefore, I kindly request the immediate intervention of the Consumer Financial Protection Bureau ( CFPB ) to ensure that TD Bank rectifies their significant errors promptly. I demand that the amount of {$110.00}, {$30.00}, and {$4.00}, which were fraudulently taken from my account, be permanently credited back to my account without any further delays. Additionally, I expect to be treated with the respect and dignity that every customer deserves. Attached to this complaint letter, please find my new TD Bank debit card information for your reference : Name : XXXX XXXX XXXX number : XXXX Thank you for your prompt attention to this urgent matter. I am hopeful that with the assistance of CFPB, this issue will be resolved satisfactorily. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 10027
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I will list out all issues below to detail the extent of the fraud TD Auto Finance has committed. XX/XX/XXXX- Purchase used XXXX XXXX. Approximately XXXX XXXX loan began. XX/XX/XXXX- I am married and my last name changes. TD Auto Finance is notified with required documents and fails to change my name on the title for the next 4 years. We are not made aware of this until XXXX. XX/XX/XXXX - I move from XXXX XXXX XXXX The car title is switched. TD Auto Finance is sent the first notice that the original XXXX XXXX title must be sent to the state of XXXX They ignore it. XX/XX/XXXX - I receive notice from the state of XXXX they still haven't received the title. I reach out to TD Auto Finance and send them the relevant request for the title a second time. They ignore it and send a photocopy. XXXX XXXX XXXX. - I call or email them about every other month to be handed lie after lie that it is being processed. Nothing happens. XX/XX/XXXX- I can not renew the registration of the car because XXXX has not received the title. I call to inform them I will be forced to drive the car illegally due to them and will be withholding payments. Note : the loan never enters default because I had paid some in advance. XX/XX/XXXX- We are informed for the first time nothing happened because the name was not changed on the title. We send relevant documents again and are told it will be taken care of. It is not. We also send the documents to send the title to XXXX AGAIN. This is estimated at the XXXX or XXXX time by this point. XX/XX/XXXX- We are fed up with the lies. I pay the balance due in full of approximately XXXX XXXX. The loan is paid off. We receive a payoff letter in XX/XX/XXXX. XX/XX/XXXX- We get a letter from the state of XXXX a title was received with an incorrect last name. We send relevant documents to change the name. XX/XX/XXXX- We send an email to TD Auto Finance demanding the title be sent to us or we be notified of it's location. The only response we get is " a different department will help ''. They never do. At this point the car has not been registered legally for 6 months due to the actions of TD Auto Finance. We can not do that until we have the title. The loan has been paid in full for nearly 3 months and I do not have a title in hand. I am at a loss of where to turn other that to hire an attorney. I am hoping the CFPB can help crack down on the predatory lies of TD Auto Finance first. Thank you.
Company Response:
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I dont understand what my personal information should be shared with a third party ( collection ) which I dont have to share my information with, my social and address, phone number and thy have all my information without my consent
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a TD Bank credit card that was never used, other than a recurring payment to XXXX. When it expired, and they sent a replacement, I never even activated it, as I never used it ( I had XXXX cash-back cards with other banks that I used ). Since I never used it, and it was setup on auto-pay, I never looked at the account. In XX/XX/2023, I logged on, and saw that they let XXXX fraudulent transactions through without catching them as atypical behavior. ( BTW, I work in financial risk management ) I disputed the transactions and closed the account. The disputes were investigated and determined to be fraud, and I ultimately received a check for the balance of the closed account. I shredded the card which still had the sticker on it since I never activated it or used it. In XX/XX/2023, I received an email indicating that I had a charge on the account in XXXX and a balance due. The charge payee name was a variation of the XXXX slightly variating fraud charges from XXXX. I contacted TD Bank regarding the charge that occurred 3 months after the account was CLOSED. After many calls and being told that I needed to go into a branch to be authenticated a few times ( BTW, there are no branches in the XXXX XXXX area where I live ). I did reach a competent person who acknowledged the account was closed in XXXX ( as do all the credit agencies ) had no explanation for how a charge could hit an account that had been closed for 3 months, and opened a fraud dispute. I received the dispute research results, and they determined that there was no fraud. HOW IS THIS POSSIBLE? The account was closed and only used for the XXXX recurring charge for over a year prior. It is bad enough their fraud detection processes are so poor they didnt catch the blatant atypical behavior on the early fraud charges, but to allow a new ( non-recurring ) charge on an account that had been closed for 3 months, and then their fraud research is so incompetent as to determine that it was a legitimate charge is unbelievable!
Company Response:
State: OH
Zip: 45244
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX reports 1 late payment. I wish to have it removed or taken away. Ive never missed a payment. I have been on SS XXXX since 2019 There are derogatory accounts as well since they cancelled my student loans.
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B a credit 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: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a copy of my credit report and I am writing to dispute the following Information that appears on my credit profile after carefully reviewing the information on my report The following inquiries are unauthorized and I ask that u delete them from my report : Inquire from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and I never authorized this inquiry Inquire from XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and didnt not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXXXXXX on XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize this inquiry Inquiry from XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXX XXXXXXXX XXXX on XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX XXXXXX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from TD Bank USA/Target C XXXX XX/XX/XXXX XXXX am a victim of identity theft and fraud and did not authorize that inquiry Inquiry from XXXXXXXX XXXX XX/XX/XXXX I am a victim of identity theft and fraud and did not authorize that inquiry
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TD BANK N.A. is improperly and illegally reporting a collection on my credit report under acct # XXXX. This is affecting my credit score and ability to apply for new credit. Please remove it immediately.
Company Response:
State: NJ
Zip: 07728
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A