Date Received: 2023-07-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I never got my XX/XX/XXXX statement. On XX/XX/XXXX I called and made a payment of {$80.00} which the agent took the wrong information which caused the payment to return no account found. I was than charged an NSF for their error when the payment did not come back NSF. It came back as account not located due to their error. I then later called back on XX/XX/XXXX and was advised of a late fee that would be waived. I was never advised of the NSF that was their error. I than received a call on XX/XX/XXXX and made payment. On XX/XX/XXXX I spoke TD again who told me the second payment returned, however it didn't. During the first call on XX/XX/XXXX, I filed a complaint I didn't get my first statement. I had logged into the portal to enroll in XXXX but never enrolled in electronic statements, however TD claims I did. In XXXX, I never got my statement and TD starting calling me nonstop. Calls received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 9 calls in three days.
Company Response:
State: NY
Zip: 14072
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We paid the full amount, they tacked on other fees. However, I was unaware that I should not have paid off a debt that is not mine. This is a fraudulent account I didnt open it and I have a policereportto prove it. The credit bureaus wontremove it.
Company Response:
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I tried to complete a change of address in my online USPS account. That was at about XXXX XXXX on that Monday. I was asked by the USPS to accept a {$1.00} fee for verification identity. I checked the box I agreed to accept the fee and then entered my bank card information. The USPS then said it could not accept my bank card for payment and said it had sent me an email telling me what I needed to do to complete the transaction at the post office. I have not completed the transaction at the post office yet at the front counter. In my online TD Bank account, it has that on XX/XX/2023, {$1.00} was sent to the USPS. I want TD Bank to verify that the {$1.00} was sent to the USPS from my checking account on XX/XX/2023 because of the transaction I tried to complete in my online USPS account on XX/XX/2023 at about XXXX XXXX. In my online TD Bank account, this is how the XX/XX/2023 transaction is recorded, XX/XX/2023 Debit Card XXXX XXXX XXXX XXXX USPS Change Of Address XXXX XXXX XXXX TN. My mailing address has not changed yet in my online USPS account and I have not completed the change of address transaction, so I want TD bank to verify that the USPS could legally take the {$1.00} from my checking account. I have not closed my current mailing address of XXXX XXXX XXXX XXXX, SC XXXX I have had for about 3 years.
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. A credit card was opened online with Target by the person who stole my wallet ; the account was approved. The credit card was opened XX/XX/XXXX. I was not aware of this CC until XXXX when I was being charged for an amount I never spent. I called Target in XX/XX/XXXX to dispute this matter. The gentleman said not to worry as he would close it and mark it as fraud ; however, that did not happen. I called again in XX/XX/XXXX because my loan XXXX told me the Target CC affected the loan process since it showed it was delinquent. The person who was handling my account told me my claim was denied because I did not complete the questionnaire, however, I never received a questionnaire. I called again in XX/XX/XXXX because I had not received the questionnaire. I spoke to the lady and asked her to email me the questionnaire. I completed the questionnaire and sent it in. I received a notice in XXXX advising my claim was denied. I called to dispute this matter, and I threatened to sue them, and the lady told me to go ahead and do so. I explained myself over and over, and I sent in the police report which reads my wallet was stolen along with my SSN and ID 's. She said she could do nothing because someone had called to make a payment and even set up an arranged payment. I told her they did the same with my other credit cards and even maxed out XXXX of my clothing credit cards. She didn't care to listen. I asked for the details ; what debit or credit card did they use to make this arrangement and for the successful payment? Have they reviewed the cameras of when this person made the purchase in the store and all she said was she could not provide those details. My credit score dropped almost 100 points because it was maxed out and because it was past due in payments.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account does not belong to me the social security number does not belongs to me and is being reported to XXXX in which I have contacted TD Banks about accounts this account starts or ends with XXXX and XXXX and this being reported illegally to my name in which this account is not mine
Company Response:
State: IL
Zip: 60620
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: 2023-07-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal XXXX XXXX XXXX is third party XXXX XXXX is creditor for them to discuss my report is illegal for XXXX XXXX XXXX to report this is fraud and infringement of my rights
Company Response:
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My checking account was hacked and a total of {$1400.00} was fraudulently withdrawn from my checking account ..I made 2 claims, the claim # is XXXX for the lost {$1000.00} and bank records will show my claim of {$440.00} the day of the incident. I was told I would be given a provisional credit, to which I have not received. The bank closed the hacked account for security reasons and reopened another checking account. I am a victim of a crime XXXX from losing my purse. Funds from my checking accounts were stolen. I am facing a hardship and need my account credited. I am Requesting the rules and regulations concerning provisional credits and the time frame allocated for such credits.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
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: Had made multiple purchases through XXXX XXXX from XXXX I had always paid on time and paid more than required and always paid off many months in advance. On XX/XX/XXXX I thought the account was paid in full. On XX/XX/XXXX, there was a balance of {$1.00} that I was unaware of. I was never notified of this till XXXX XXXX XXXX I started getting calls three times a day from a TD Bank and they were robot calls. I did not have an account with TD Bank, so I kept trying to call back to see what this was all about and kept being hung up on. I paid the dollar and was never given credit for it. It wasn't till XXXX XXXX XXXX that I was able to speak with someone and they said it was about my XXXX account being past due. When they told me that I owed XXXX and now it had late fees and interest now totaling over XXXX XXXX dollars, I said I need to speak with a supervisor. Was placed on hold and told I had to pay or else. Then they hung up on me. I tried calling back with constant hang ups. The account finally was reported as a write off at XXXX. Since then, I have been deigned loan of XXXX and my credit cards interest has increased because of this. If you look at my payment history, you will see that my payment history was rates as exceptional. My score was over XXXX. At one time during this my score dropped to low XXXXXXXX XXXX. I always paid my bills and this is so unfair. I tried disputing through XXXX and TD Bank said no. The documents that I scan is after I found out it was XXXX and signed into account to see the discrepancy.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for gal purpose. 5
Company Response:
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A