Date Received: 2023-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My divorce was just recently final and I was in a XXXX XXXX XXXX marriage. I had zero control of bills, emails or anything of importance. After I XXXX and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Company Response:
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: on XXXX XXXX XXXX XXXX XXXX received a text from XXXX : Suspicious activity detected at XXXX XXXX XXXX for {$1900.00} if valid replay VALID, if fraud replay FRAUD. Replay STOP to Stop. have never experienced such and was not sure this was Fraud or Phishing text message so at XXXX XXXX call XXXX the number on the Credit card and spoke to XXXX XXXX and asked her was the message form TD Bank and she said it is. I immediately informed her it is definitely FRAUD, and I did not make those charges. XXXX XXXX said she will close the account and issue a new account and a new card will be send out. XXXX XXXX also said she will put in a challenge to these charges. I informed her that I have not use the card for a while and the last charge I placed on this card was XX/XX/XXXX on XXXX for {$2.00}. I told her the reason I have not use the card because TD Cash card now charges foreign transaction fees and the initial reason for applying for the card is because there was NO foreign transaction fees. I also texted back on XXXX XXXX to the text with the response of FRAUD I have applied to all three credit monitor agency for Fraud monitor, started Federal Trade Commission, Identity Theft.gov and send in the FTC Fraud letter to TD Cash / TD Bank. since then I have spoken to many TD Cash Credit / TD Bank customer services and asking them why I am still being billed for these charges, when I the card holder have call, text and spoken to TD Cash customer services that it is FRAUD and I did not make these charges, most of the TD Cash / TD Bank customer services will said, I will put in a challenge to these charges and the case is still under investigation. I have send and faxed to TD Cash Credit / TD Bank proof that I was in XXXX XXXX XXXX and no where in Colorado. I send in New York XXXX XXXX transaction to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX receipt, XXXX XXXX XXXX receipt and my phone GPS location, clearly showing I was in New York XXXX. I have also requested a letter stating that I have called in on XX/XX/XXXX ( Tuesday ) and reported as FRAUD, texted back as FRAUD, my account was closed, a new account was issued and new card was send out, and all my contact information was correct. I have spoken to many TD Cash /TD Bank customer service and to date I have yet to get the letter I request. This letter is clearly stated on Federal Trade Commission, IdentityTheft.gov web site. It is just been a frustrating experience dealing with TD Cash Credit Card / TD Bank.
Company Response:
State: NY
Zip: 11361
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This complaint is regarding XXXX XXXX XXXX billing and fee practices. In XXXX of XXXX, we received a bill from XXXX XXXX XXXX stating we owed XXXX {$430.00} for a bill we did not pay. I assumed it was a scam letter until I tried to call XXXX. No one in any department would speak to me at XXXX because this bill was in collections. I had no way to know what happened and what the bill was for until the XXXX XXXX XXXX sent me a copy of the XXXX bills ( all stating these bills were not mailed to us ). My notes : XXXX ) All my XXXX bills are mailed to me so I have a paper copy reminder to mail my bill. XXXX ) I do not use this card often. At XXXX, XXXX, XXXX, I charged {$130.00}. This is what I learned through written correspondence, as XXXX will only let you investigate by snail mail. XXXX ) XXXX mailed my bill in XX/XX/XXXX. All our bills were forwarded for XXXX months while we were in CA with my parents. XXXX ) XXXX does not forward bills so it was returned to XXXX. XXXX ) For the next XXXX months, XXXX did not send me a bill, did not call me, did not attempt to email me ( all this information is on file ). XXXX ) Each month they charged me interest fees and late fees. My first letter from XXXX simply listed what XXXX did ( charged late fees and interest each month because the bill was not made ). The last line states they sent me a bill ( but XXXX does not acknowledge that bill was not forwarded ( as is there practice ) and does not acknowledge never mailing me any of these bills. I have ( had ) excellent credit. We always pay the full amount of our bills each month ( unless a XXXX interest rate is offered ). I have repeatedly asked XXXX for a reasonable response to their business not notifying me during these XXXX months of late fees but they only send the same letter again and again. I have not been able to talk with a human at XXXX. In contrast, the credit collection company has been exceptionally informative of the XXXX practices of not forwarding bills and mailing me copies of the bills that clearly state, they were not mailed to me. PLEASE HELP ME!!! I contact the XXXX XXXX XXXX XXXX MN, and XXXX sent them the same letter that mailed me. BBB said they are only mediators. I sent the entire documentation to the Attorney General 's XXXX XXXX MN and after XXXX weeks they contacted me and said I need to work through WI, my home state. WI XXXX XXXX XXXX sent me to the WI XXXX. of XXXX XXXX who sent me to the XXXX XXXX XXXX Comptroller of the Currency who sent me to the XXXX XXXX XXXX.
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account with TD Bank back on XX/XX/. At the time, they promised a {$200.00} checking bonus after completing the following : you must : 1 ) Open a new TD Convenience Checking account ; AND 2 ) Have your direct deposits totaling {$500.00} or more made into this account within 60 calendar days of the account opening date which I met with in the first two weeks of opening the account. After have completed the requirements outlined above, they were supposed to deposit the bonus in my new account on or before 180 days of account opening which fell on XX/XX/XXXX. It is now XX/XX/XXXX, and I've received nothing. I have been messaging and calling for over a week. This was the response I received today for the second time. " XXXX XXXX, Thank you for contacting us about a new account promotion. I appreciate you taking the time to send us a message. Our Promotions team does currently know about your request. They have informed us of a system outage that is preventing promotional bonuses from being reviewed and applied. At this time, we have not been provided with an XXXX. They have confirmed that once it is resolved, they will research and respond as soon as they can. I have reached out to them to verify if the outage is still ongoing and if your request has been reviewed. Once I have received a response, I will send you another message right away. '' I have been promised by a supervisor twice now that I will receive a call back with 24 hours with a resolution, but to this day I have not received any calls.
Company Response:
State: CT
Zip: 06790
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX XXXX XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$0.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO ELIMINATE THAT ACCOUNT ON MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My case with TD Bank is same as the XXXX XXXX XXXX case where the CFPB stated : " The banks disclosures did not clearly explain that multiple fees could result from the same transaction. Additionally, customers had no ability to know when or if a merchant would resubmit a transaction to the bank for payment and therefore could not reasonably avoid the assessment of multiple fees for the same transaction '' I was charged multiple overdraft fees for same transaction, causing account balance to fall too low and then got charged a maintenance fee by the bank : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I contacted XXXX XXXX on XX/XX/23 regarding one of my monthly premium payments for my two phones under the plan. It was then discovered that I had been erroneously paying the {$11.00} monthly payment for each of the phones but that I no longer owned the phones ( had traded them in for two new phones some time ago ). The XXXX informed me that I had erroneously made a total of 67 PAYMENTS ( 34 payments on one phone, and 33 payments on the second phone ) over a 3 year time period. The rep informed me that based on the total number of payments erroneously made ( total of 67 ), that a credit in the amount of {$800.00} ( 67 x {$11.00} = {$800.00} ) was due me, and that I would receive the refund within 2 weeks. On XX/XX/23, I went to my online account and sent an " inquiry '' requesting that my account with XXXX be cancelled. I I then contacted XXXX again ( speaking with XXXX ) regarding the status of the refund and was informed that " the request was probably with the " back office '', and to give it 5 more business days ; he gave me a reference # XXXX. On XX/XX/23, I again called XXXX XXXX and spoke with XXXX who stated that the refund would be process by XX/XX/23, at which time I requested that a " paper check '' be mailed as opposed to crediting my checking account where the payments had been made from over the years. I also went online and had a chat with XXXX regarding same. I was also informed for the first time that TD Retail Card Services ( the Bank who financed my XXXX account, and to whom I made my monthly online payments to ) would be the institution who would be issuing the refund. On XX/XX/23, I received an email from TD Retail Card Services that my online account had a " new credit item '' appearing on my " XXXX Financing Account ''. When I logged on, the credit in the amount {$800.00} was showing. On XX/XX/23, I called XXXX " again '' and spoke with XXXX, who advised me to allow another 5-10 business days from XX/XX/XXXX to receive the refund. He also informed me at that time that TD Credit Card Services would be issuing the refund ( as they are the institution I had been making the payments to ). I then called TD Retail Card Services and spoke with XXXX, who confirmed that the credit owed ( but that their system was showing the credit as {$800.00} as opposed to {$800.00} ; that's because on on XX/XX/XXXX per my online account, TD added a {$.00} " XXXX offset '' to my account ), which she claims was the reason why my refund could not be processed ( because of the XXXX discrepancy ), and that she would follow up with me on that Friday ( XX/XX/23 ) to with a status update on my refund. I then also sent another online inquiry ( copy attached ) to TD Credit Card Services asking them to confirm when my refund would be sent out. On XX/XX/23 at XXXX XXXX, I called TD Credit Card Services and spoke with XXXX in Customer Service first. She first stated that she had to put me on hold and confer with the " higher ups '' to get my refund processed and proceeded to put me on hold for 10 minutes. When she returned, she informed me that my refund request was in a " block status '' due to ( XXXX ) my XXXX XXXX bankruptcy filing on XX/XX/23 ( even though I have no balance due with XXXX XXXX per the attached credit report ), and ( 2 ) she then stated that my account is " in collections and 6-9 months delinquent '' ( even though my last payment to XXXX was on my due date of XX/XX/23 ; I cancelled my account on XX/XX/23, after the XXXX payment was " charged off '' by TD Retail Card Services on XX/XX/23, leaving a XXXX balance for the month of XXXX ). She then transferred to Collections, who then transferred to Bankruptcy ( who then informed me that I was speaking the XXXX Dept. for home loans ), who then informed me that my account was in the " Recovery '' Department which when transferred to it the call was disconnected. I then sent another " online inquiry ) via my online account to TD Retail Card Services ( copy at I just received a response to my XX/XX/23 online inquiry this morning ( copy attached ), with TD Retail Card Services again telling me to contact them to discuss.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
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: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33613
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting Act Convergent Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Credit Bureau : XXXX Account Name : XXXX ; Account number : XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A credit card was fraudulently opened in my name with TD Card Services, specifically for a XXXX card. This was not me, I did not open the card. It was opened without my knowledge. This is identity theft. I can not dispute the card with TD Card services and it is now affecting my credit. I need this fixed please
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A