Date Received: 2023-07-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2023 I was notified by XXXX a new Credit account with XXXX was opened in my name on XX/XX/2023. I did not open this account and I believe it is fraudulent as the result of Identity Theft. I have since opened 2 complaints with XXXX XXXX XXXX and they have not resolved the matter. Also I never received any card in the mail. This confirms my fear that it is fraudulent.
Company Response:
State: CT
Zip: 06824
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
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: I have reported to all three credit bureaus, XXXX XXXX, XXXX, and XXXX that this account is over XXXX years old. This account should have been deleted as of XX/XX/1923 ones. Ive contacted all of the credit bureaus inquiring on the deletion of this account at that point target made the account a collection.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Am I correct that a department store needs to send you some sort notification regarding revolving credit? ( for example - a bill- to let you know the amount that is due. ) Nordstrom was pushing paperless billing, as many companies do. I received emails with my statements for a few years, and then they stopped. I still have the same email I had when I opened my Nordstrom card. And, I use my card ALOT. In fact, I get close to 100 emails a month- trying to get me to spend more money. Well, Last fall I was 30 days late. I never was notified by them. I happened to call them on my own because I realized my bill might be due. Based on my credit report, they reported me 30 days late, on the same day I called and paid my bill in full. ( and I have since gone back to paper statements and have auto payment- which i did not even know they had available. ) My credit went from a XXXX to a XXXX. I have emailed them, called them ( over and over ) and I get no answer. I was told that I had to send a written letter. So- I did this and let them know I stopped receiving emails with my bill. Also I sent them copies of the correspondence regarding setting up auto pay, getting paper bills against, etc. I have heard nothing except a generic letter letting me know that they have to keep it fair for everyone.which made no sense. If they cant even send me a bill- do they have a right to report me? and why did my credit fall so far? and last, my wish is : if these companies want to push paperless billing so badly, can they at least be responsible and help the consumer sign up for alerts ( when bill is due, etc ) or auto pay? thank you so much. XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 ; I deposited {$330.00} into my TD bank checking account to pay for XXXX XXXX car transaction in the amount of {$32000.00}. On XX/XX/2023 ; the check from XXXX XXXX for my account loan was returned and the {$320.00} is in my TD bank checking account. TD bank accountants will not process the transactions pending in my checking account when the funds are available on day the transaction was submitted or within the XXXX hours time frame that TD bank allows bank account to be current or funds deposit into accounts to clear payments.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX contacted me about an alleged debt and refused to send me documentation to validate the debt. The original creditor was notified months prior that I opted out of privacy sharing and release of the account information to nonaffiliated third parties but they sent the information to a third party, XXXX XXXX, anyway. I spoke to a XXXX XXXX employee ( manager XXXX ) on XX/XX/2023 who said he would send me the written documentation I requested. He failed to comply with the our oral agreement and I did not receive the information. I also advised on that call for them to cease from calling me and XXXX stated they would remove the account and send it back to TD Bank and stop calling me. This information was false because they called me several times on XXXX XXXX. I am requesting for the CFPB to do their job and help me resolve this issue.
Company Response:
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX someone fraudulently used my credit and make a hard inquiry for TD bank XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
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: I previously filed a complaint with the CFPB # XXXX. XXXX and XXXX XXXXXXXX XXXX TD Bank both agreed in a letter from TD Bank to me dated XX/XX/2023 to resolve the issue with the damaged door panels on my new refrigerator they damaged at delivery after I filed a complaint with the CFPB. XXXX XXXX, XXXX TD Bank issued a small credit of {$380.00} credit which is basically is the late fees they have charged me for not paying for a damaged refrigerator that XXXX would Not honorably take care of. In the same letter dated XX/XX/2023, They stated XXXX has agreed to issue me new panels that they damaged at delivery and all 's I needed to do was contact XXXX to order the panels. Around the same time period we received an email from XXXX stating we are eligible for free door panels. When we add them to our shopping cart and entered our address the panels all of a sudden become unavailable to our address. We made over a half dozen calls to XXXX to try to get the panels replaced, Hours on the phone. One time we were able to speak with a rep who tried to order the panels for us and he said they were available, yet when he put them in the shopping cart and entered our address in the system, again the panels became unavailable. It is apparent they have us BLACKLISTED. This situation has caused great duress to my family. I was willing to accept the low monetary credit from TD as long as XXXX sent us new panels just to move on, BUT AGAIN THEY FAILED TO TO THE RIGHT THING. Now my credit score has gone from XXXX down to XXXX. This is just unacceptable that my perfect credit has been damaged over a refrigerator XXXX and TD Bank will not own up to and do the write thing.
Company Response:
State: FL
Zip: 34654
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I I recently use my debit card to complete a purchase on XXXX XXXX for my XXXX birthday party the XXXX ended up scamming me and not writing me back I have proof from text messages and request trying to get my money back no answer I reached out to my bank to dispute the transaction they told me because of the type of transaction that it couldnt be disputed
Company Response:
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
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: To Whom It May Concern, On XX/XX/2023, my XXXX Credit Card was charged {$3900.00} for airline tickets through XXXX. These were fully refundable tickets and we cancelled these tickets on XX/XX/2023. However, only {$3600.00} was credited to the XXXX Credit Card. {$230.00} was not refunded. After further investigation, we discovered that the initial charge should have been for {$3600.00}, as that is the amount that showed on XXXX and that is the amount that was refunded by the merchant. We were made whole as far as the merchant and XXXX are concerned. I brought this discrepancy to the attention of XXXX Credit Card as a dispute. I have been going back and forth with them since XXXX. They are denying this dispute. Therefore, I am bringing this to your attention for further investigation. Something fraudulent is going on here and I do not intend to be left with the short end of the stick. Thank you for your attention to this matter. Respectfully, XXXX XXXX XXXX
Company Response:
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: we have a small business account with td bank, Noticed a fraudulent checks been cashed not issued by us on XX/XX/23 for the dollar amount {$980.00}. They cashed a total of XXXX checks at XXXX different locations in XXXXXXXX XXXX, XXXX and XXXX XXXX. All checks were written and deposit by XXXX XXXX XXXX each checks for {$980.00}. I reported to my located bank and still having any resolution from the bank. I want to report to the federal goverment. please help us capture and stop the criminals behind these scams. thank you
Company Response:
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A