Date Received: 2023-06-23
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have a checking account with TD bank. And the funds were low. There is a XXXX dollar minimum balance before TD bank charges fees to account. This resulted in a overdraft. Apparently my account was in a overdraft state long enough for them to decide to close my account. However this decision to close my account was was not made be flore I submitted a significant deposit into my account via international bank transfer. The money showed up in the account and I have the receipt for it. TD bank has now closed my account today and took my money with it.
Company Response:
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Td bank closed my account with giving me any acknowledgment. I was told if I paid XXXX I would be able to open up an account. Well I paid that XX/XX/XXXX well today is the XXXX and just now finding out my account is closed. Went to the branch was told I need to go to the original bank. Well called the original bank but they cant give me any information they would need to reach out to XXXX.
Company Response:
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I did not receive three items from XXXX but the bank refuses to credit me with the three purchases I paid for the items totalling XXXX approximately made by ordering on XXXX. XXXX is not willing to reimburse me with the products I did not receive, three packages of XXXX.
Company Response:
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I Made A Transfer From My TD Bank Account To My XXXX XXXX XXXX Account In The Amount Of {$300.00}. The TD Bank Transaction Confirmation Of Check # XXXX : XXXX TD Bank 's Statement : " Your Check May Be Cashed And The Money Withdrawn Before, On, Or After XX/XX/2023 '' I Closed My TD Bank Account On XX/XX/2023 After I Had Waited Two Weeks ( 1 Week Processing / 1 Week Waiting ) For The Transfer To Go Through And Although There Was A Debit On My TD Account, There Was No Credit On My XXXX XXXX. Finally, TD Bank Transferred The {$300.00} To My XXXX XXXX Account On XX/XX/2023. Then, On XX/XX/2023, TD Bank Reversed The Charges Back To Themselves And I Was Charged A {$5.00} Return Deposit Item Fee From My XXXX XXXX Account.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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: A loan was taken out through XXXX XXXXTD fraudulently. I reported to TD bank immediately after receiving a letter saying my account was approved and my address was changed and to call if it wasn't me. Which I did. I explained I had not applied for or requested.The XXXX and XXXX accounts said they investigated and found the information accurate and updated. I have not taken out this loan this was identity theft using my information having goods sent to another address.I haven frozen all the crediting agencies and reported this as fraud to them and the fct and I would like this investigated.
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: An identity theft claim was filed due to unauthorized charges on my account. I went back and forth with td bank to correct my account. In XX/XX/2022 the last correspondence I received about my claim stated my provisional credits were finalized and now permanent meaning I was not liable. Now Im receiving communication from an agency on their behalf for $ XXXX that I do not owe. This is illegal and I want this remedied
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I wrote a check for {$170.00}. to my accountant on XX/XX/XXXX and deposited the check in a local mailbox. About 1 month later, my accountant asked about the payment, and I checked my records and found that the check had been altered and paid in the amount of {$9800.00}. to XXXX XXXX XXXX through TD Bank in XXXX, NJ. I contacted my bank, XXXX XXXX, and let them know of the fraudulent payment. I completed an Affidavit for Altered Check or Payee on XX/XX/XXXX, and my bank demanded reibursement from TD Bank on that same day. On XX/XX/XXXX, TD Bank responded to XXXX XXXX, asserting that my signature was forged and thus XXXX was responsible for the loss. Numerous times since then XXXX XXXX has attempted to correct TD Bank 's reasoning, because the payee and amounts were forged, not my signature, but TD Bank has not responded in any way to these requests. I mailed a letter to TD Bank XXXX XXXX on XX/XX/XXXX, trying to correct the record about what they alleged to be my forged signature, and have not heard from them. My husband and I attempted to call TD Bank Fraud Operations on XX/XX/XXXX, and were unable to reach anyone who would talk to us about this case, and the people we did reach appeared to be unable to even pull up the case file, and they moreover refused to transfer us to the Fraud Operations staff. Apparently this group only communicates by email, and as noted above they have refused to respond to XXXXXXXX XXXX XXXX inquiries for the better part of a year. Letters documenting the above will be attached below. The TD Bank case # is XXXX Acct XXXX
Company Response:
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: due to identity theft, a XXXX XXXX XXXX XXXX was opened fraudulently under my name sometime in XXXX XXXX i first noticed this when i received a credit card from XXXX XXXX as well as a card from XXXX XXXX XXXX XXXX i called XXXX XXXX on XX/XX/2023 to alert them of the fraud. the identity thief had opened the credit card using my name and made purchases of {$39000.00} worth in furnitures. I spoke to XXXX at the XXXX store and she told me the store could not do anything about the fraud and told me to contact TD bank, the issuer. I called TD bank and reported the fraud the same day. i also called XXXX XXXX and reported the fraud on their XXXX XXXX XXXX as well. i received a mail from TD asking me to sign and mail in a " delcaration of fraudulent activity '' paper. i signed the paper and emailed it to them on XX/XX/XXXX, XXXX around this time i received a mail from XXXX XXXX stating that the fraud dispute has been resolved and i was not found to be responsible for the fraudulent card. they deleted the account from my records. on XX/XX/2023, i got a mail from XXXX XXXX XXXX at TD bank stating that my dispute has been denied. She stated " there was insufficient evidence to substantiate my claim and account history indicates prior acknowledgement of the account ''. I called XXXX on the XXXX of XXXX and asked her reason for denial. She stated there was no response from me regarding the " declaration of fraudulent activity paper '' so she closed the case. i told her i sent her an email with the signed declaration on the XXXX of XXXX. she checked her email and found my email with the declaration. she said she was going to reopen the case but will be assigned to another agent. she suggested i make a dispute with XXXX XXXX and XXXX XXXX. also make a police report and an identity theft report with the FTC. i did all of the above she suggested and put a freeze on my credit account with all three credit agencies, in case the thief tried to use my identity again for fraud. i emailed agent XXXX updating her with the FTC identity theft report, police report case number and the disputes with all three credit agencies. i also sent her the mail from XXXX XXXX that absolved me from the fraudulent XXXX XXXX XXXX. i wanted to show her that the thief had opened other fraudulent credit cards with my identity. within a few weeks i received the dispute results from all three credit agencies. they have resolved the disputes in my favor and deleted the credit card account from XXXX TD bank from my records. on XX/XX/XXXX i got a mail from XXXX XXXX XXXX from TD bank stating my dispute has been denied again. i called XXXX on the XXXX of XXXX asking if they reviewed the documents and email i sent and why i was denied again. she said she was just told to close the account and the person who investigated my dispute was XXXX XXXX XXXX. I tried calling XXXX XXXX, but as of today she is not in the office and her voice mail box is full. because i couldn't get in touch with XXXX XXXX, i called XXXX for advice on what to do next. she suggested i write an email explaining all that has happened and include all the documents i sent before with the dispute resolution reports from the credit agencies. today i sent TD another email with the description of all that has transpired and the documents as well. recently my wife got a mail from XXXX XXXX XXXX at her moms home address. the letter states that i have been denied their credit card due to missing or unavailable information from the credit bureaus. it seems the thief is still trying to create more credit cards with my identity, but failed due to me freezing the credit. i did not create this credit card from XXXX XXXX and i did not use it to spend {$39000.00} on furnitures. please help me resolve this issue. if there is anything else i can do to resolve this problem i would truly appreciate any assistance. thank you, XXXX XXXX
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My backpack and the contabaments along with secure information was stolen and my wallet phone and someone was able to drain XXXX out of my account when I realized I went in bank and pulled out the rest so I would t lose it all now td bank is denying my refund of this fraudulant loss of money
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A