Date Received: 2023-06-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There were several charges made and supposedly delivered to my address prior to me moving and my tenants were in the home. Movers had various access to information also. This was conveyed to them. I explained this amongst other charges and they still are awaiting and told me two billing cycles and now it's longer. I would like this complete and to not affect my credit. Every time I call, I get a different answer as to this matter. I'm told that it is appealed, yet they are still reviewing it. Thanks, XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited XXXX and XXXX into my checking with checks from work to TD Bank. Also deposited XXXX in my savings and have yet to receive a check with my funds or any reason besides that they suspected fraud of why my account was closed. I came into the bank with my id, social, birth certificate, and alternate old ids and they would not issue me a debit card or give me access to my funds and eventually closed my account on XX/XX/23 without giving me my funds. I tried to call TD and walked into the XXXX New York branch with no updates or any idea of how they could or would get me my funds I deposited into their bank.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit Reporting act Account # XXXX ...., has violated my rights. 15 USC 1681 Section 602 States : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor 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: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La.XXXX XX/XX/2023 TD Auto Finance XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute and Request for Removal of Inaccurate Information from Credit Report Dear Sir/Madam , I am writing to dispute the inaccurate information that TD Auto Finance Company has reported on my credit report. I believe that TD Auto Finance is violating my rights under the Fair Credit Reporting Act ( FCRA ), the 4th Amendment, the Gramm-Leach-Bliley Act ( GLBA ), and other applicable laws. I demand the immediate removal of TD Auto Finance from my credit report. As a consumer, I have the right to privacy and protection of my personal information under 15 U.S.C 1681 section 602 ( A ). Additionally, 15 U.S.C 1681 section 604 ( A ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written instructions. TD Auto Finance has failed to adhere to these provisions. Furthermore, 15 U.S.C 1681c ( a ) ( 5 ) explicitly prohibits any consumer reporting agency from including adverse information, except for records of convictions of crimes that predate the report by more than seven years. The information reported by TD Auto Finance is not only inaccurate but also violates this specific provision. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ), TD Auto Finance is obligated not to furnish any information relating to a consumer if it knows or has reasonable cause to believe that the information is inaccurate. In accordance with the Fair Credit Reporting Act, I demand that TD Auto Finance correct its records and cease reporting inaccurate information to any consumer reporting agency. The account in question has been paid in full, and it is unjust and damaging to my creditworthiness to have this inaccurate information on my credit report. This not only affects my financial standing but also violates my rights under the GLBA, the Electronic Communications Privacy Act ( ECPA ), and the FCRA. I am aware of my rights as a consumer and the laws that protect me. Failure to comply with my request to remove TD Auto Finance from my credit report will leave me no choice but to pursue legal action to ensure my rights are upheld. I am prepared to take all necessary steps to mitigate the damage caused by this violation. I expect a prompt response to this dispute and request for removal of inaccurate information. Please confirm in writing that TD Auto Finance has initiated the necessary actions to correct this matter within 30 days of receiving this letter. Failure to do so will leave me with no alternative but to escalate this matter and seek legal remedies. Thank you for your immediate attention to this serious matter. I trust that you will handle this dispute in a timely and appropriate manner. Please consider this letter as notice of my intent to exercise all rights and remedies available to me under the law. Sincerely, XXXX XXXX
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A lot of my personal cards were stolen. There were accounts opened by someone who acted as if they were me. XX/XX/2016, a charge card was opened for the amount of {$300.00}. It was submitted to the credit bureaus as a charge off, I wasn't aware of this. Many other cards have been opened under my identify that I wasn't aware of.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
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 noticed there was a charge for cheap flights from XXXX to XXXX of {$100.00}, there was also a {$3.00} foreign transaction fee. I called TD card services when I noticed it and reported this as fraud. They said they would send a letter to me within XXXX business days. I know for sure I did not authorize that amount of {$100.00} or the amount of {$3.00}, but it was approved anyway. It's fraud, and TD bank sent the investigation letter, and I opened the letter today. The letter stated they investigated the matter and concluded that the fraud did not occur because it matches similar sorts of past expenses I made ( my spending pattern ), which doesn't rule out that it is fraud. I know I did not make that purchase regardless of any past purchases I might have made, which is why I called them. I would have not called if that was within my spending pattern. Also, the letter only addressed the {$100.00} amount, but I also mentioned the {$3.00} foreign transaction fee as fraud as well when I was on the phone with TD bank, so in total it is {$110.00}. The letter was sent to me on XX/XX/2023. I just opened it now. I filed the complaint on XX/XX/XXXX. The fraudulent charges were on XX/XX/XXXX and XX/XX/XXXX. I still have not gotten refunded and I actually had to pay for these fraudulent charges, so my credit doesn't go down, but again they are fraudulent charges that were approved by TD card services, and I don't know how the fraudster got my credit card info, but I don't feel like there was a proper investigation to determine that. I make a lot of online purchases with valid companies, so I would think maybe someone got info online.
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
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 have serious concerns that TD Bank ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding fraudulent activity on my account. The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made several attempts, and spent hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original requests for information, which has been pending for almost 2 months now. Please see detailed documentation of my complaint, attached.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 ar open end consumer credit plan as late for XXXX purpose.
Company Response:
State: TX
Zip: 75159
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
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: XXXX XXXX XXXX in XXXX XXXX, TX failed to delivery the mattress and base that is on my receipt, what I purchased on XX/XX/2023. I charged it to XXXX XXXX TD Card Services Card that I received approval for on XX/XX/2023. Also, I took the sofa that day with me when I left the store that I purchased for {$1200.00} on XX/XX/2023. No delivery was needed by XXXX XXXX. The sofa was from the clearance floor. My issues : ( 1 ) Response to my dispute submitted on XX/XX/2023 received on XX/XX/2023. Why was my dispute case # XXXX closed with no detail explanation on what the investigation found after almost 90 days. On XX/XX/2023 I logged into XXXX XXXX website and submitted an inquiry to request a detail explanation of their investigation. On XX/XX/2023 online services recommended that I call XXXX to discuss it with customer care. On XX/XX/2023 I spoke with XXXX XXXX TD Bank Customer Care ( XXXX ) about the dispute response/resolution. I didn't receive an explanation of their resolution and was directed to submit a new dispute form with more details because this dispute Case, # XXXX, is closed. She did explain that the process for investigating a dispute received is to send the dispute to the store to resolve. This is the same process XXXX XXXX Corporate Office used when I was communicating with them on or about XX/XX/2023 thru XX/XX/2023 about the mattress that was delivered. All of my attempts, XXXX XXXX Corporate Office attempts, and now TD Card Services attempt to allow XXXX XXXX XXXX XXXX XXXX, Texas to resolve my issues have failed. I've requested a refund for the XXXX and base that I did not get, but paid the amount {$2900.00} because TD Card Services stated that I still had to pay while the dispute is being investigated. ( 2 ) XXXX XXXX TD Card Services Billing Cycle Statement dates are not accurate ( see attached XX/XX/XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX ). I had absolutely no business with XXXX XXXX from XX/XX/2023 thru XX/XX/2023 nor prior to XX/XX/2023. Why did my billing cycle started on XX/XX/2023 instead of XX/XX/2023 my original purchase date. ( XXXX ) XXXX XXXX TD Services billed me for transactions that I do not have receipts for. I can't match the transactions on the billing statement with the in-store receipts by description or amount or any other factors. TD Card Services Billing cycle transactions listed just can not be matched to the in-store and email receipts I've received. See attached XX/XX/XXXX - XX/XX/2023 XXXX XXXX XXXX XXXX. ( 4 ) TD Card Services Billing XXXX XXXX XX/XX/2023 thru XX/XX/2023 transaction : I did not receive a " bed '' for {$2900.00}. I define a bed as a headboard, footboard, rails, base, and mattress. I did not receive any products for which I paid {$2900.00}. XXXX XXXX XXXX XXXX, TX did not deliver the mattress and base that is listed on my receipts nor a " bed '' as listed on TD Card Services Billing Cycle Statement XX/XX/2023 thru XX/XX/2023 for {$2900.00}. They delivered a XXXX base and XXXX XXXX FM mattress on XX/XX/2023. Both where in pink shrink wrap and no documentation was included for care of the mattress- it appears to be used. See attached photo for what XXXX XXXX XXXX XXXX delivered ( see XXXX XXXX Delivered Mattress ( XXXX ) and XXXX base replacement XXXX ). Pay close attention to how the mattress manufacture tag is ripped - that's how it was when it was delivered. On or about XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, XXXX told me I will have to pay additional funds to get the mattress and base on my receipt, besides the additional {$400.00} I already had paid on XX/XX/2023 for a XXXX XXXX mattress cover and pillow so the mattress can be covered under the XXXX warranty for a return ( see XXXX XXXX XXXX In-store receipts received XXXX ). I refused and requested a refund for the mattress and base. XXXX refused and by the way he said Corporate told him to call me. On XX/XX/2023, XXXX did agree to replace the very noisy malfunctioning base that was delivered on XX/XX/2023. On XX/XX/2023 XXXX XXXX XXXX delivered a base that was in a box ( not pink shrink wrap ), but it's still not the one on my receipt. The mattress and base is nothing like the one I laid on and used in the store ( bait and switch business practice ). I'm unable to reconcile my receipts with XXXX XXXX TD Card Services Billing Statement because it's too vague with no description or matching amounts, that's why I can't confirm the fraudulent activities XXXX XXXX XXXX XXXX appear to have executed. ( XXXX ) XXXX XXXX TD Card Services dispute response included an in-store receipt for {$1100.00} attached that I did not receive ( see XXXX XXXX TD Bank Response to Depute page 4 ). I only paid the required {$300.00} down payment that represented on XXXX in-store receipt that lists XXXX items with a total sales order {$4300.00} ( see attachment XXXX XXXX email Receipt XXXX page XXXX ). There is nothing on my XXXX receipts for {$1100.00} nor {$2900.00} the amounts of the transactions on the billing cycle. Activities and Actions : XXXX XXXX XXXX XXXX XXXX, TX transactions purchased XXXX ; Date Matress and base was Delivered : XX/XX/2023 ; XXXX XXXX TD Card Services Billing Statement Date : XX/XX/2023 thru XX/XX/2023 ; XXXX XXXX TD Card Services Billing Statement Amount Due : {$4000.00} ( Transaction XXXX {$1100.00}, Transaction XXXX - {$2900.00} ) ; Mailed dispute form on XX/XX/2023 ; XXXX XXXX XXXX XXXX closed XX/XX/2023 per my request to avoid unwanted/unauthorized XXXX XXXX Furniture transactions charges and finance interest charges due to what appears to be fraudulent business practices. Received letters on XX/XX/2023 and XX/XX/2023 stating investigation into the dispute continues ; Received TD Card Retail Dispute Response for Case # XXXX on XX/XX/2023 the letter is date XXXX ; XX/XX/2023 Called TD Card Services for explanation of findings. The following are online inquiries dates I've submitted in reference to these billing statements and transactions purchased ( see screen XXXX XXXX Online Inquiry Messages ). Reference # Date Submitted Category Status XXXX XX/XX/2023 XXXX PM Other Action Complete XXXX XX/XX/2023 XXXX PM Account Question Action Complete XXXX XX/XX/2023 XXXX PM Account Question Action Complete XXXX XX/XX/2023 XXXX PM Account Question Action Complete
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: After attempting to get my money back from a company that was clearly a scam. They no longer have a site or anything for an order from XX/XX/XXXX order # XXXX for XXXX XXXX XXXX XXXX XXXX came to {$71.00} XX/XX/XXXX XXXX XXXX spoke on the phone with XXXX at TD bank. Merchandise not received. They have since changed their email and stopped responding to emails and XXXX in XXXX and XXXX. I was given a provisional credit was issued on XX/XX/XXXX and then it was taken back on XX/XX/XXXX and the bank stated that I made the purchase. Yes I did make the purchase my issue is I never received product and I have proof of communication and then lack of response to either refund me or send me my purchase.
Company Response:
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A