Date Received: 2023-04-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a late payment on my account that has not been removed and i never had on my account. Also i wrote XXXX a letter to get this removed and they did not open the investigation even. I was set up on auto payment but yet somehow i have a late pay showing on my credit report. Please assist me in getting this removed from the three credit bureaus.
Company Response:
State: CO
Zip: 80602
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had an account thar I had with td bank for years. I received a fraud phone claiming it was td bank stating that I had 2 debit card transactions on the account and they said they will close the card and they did not. So I called the td bank fraud demand they restricted the account but on XX/XX/XXXX they wanted to end the relationship with me. So I opened a new account and the Manger at the XXXX XXXX branch said it was cleared and I opened a new account. The account today was restricted by the branch for no reason. The bank does not care. Now I have to go to the bank again and find out why they want to close it. I also get a direct deposit on Thursday and money tomorrow.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have two complaints. These two inquiries showed up in my XXXX XXXX report. Both are hard inquiries using my personal information without my knowledge or consent. The first one was made on XX/XX/2023 with XXXX XXXX XXXX for which I believe is a Bank loan. that The address and phone number is listed as follows : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number is XXXX. The second inquiry dated XX/XX/2023 is Target Fin/TD-PRVTE LABL, with an address of XXXX XXXX XXXX XXXX, XXXX XXXX, SD and phone number is XXXX. I personally feel that it is the same two individuals that attempted to secure the previous accounts.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: Money send by my tenant in Pennsylvania state using XXXX application using her personal bank named TD bank to my personal bank named XXXX XXXX XXXX didnt reach in my account. My tenant has proof of this said transaction and verification code that it happened and it looks like her bank has proof of this being deducted from her account on the date, unfortunately it never reached in my account and my bank is not able to see this transaction and it is missing in the cloud of XXXX. Both banks offer a service thru their banks TD bank and XXXX XXXX XXXX but unfortunately not able to find this missing payment of {$1200.00} nor has any ways of resolving in any humane way. Me and my tenant called our respective banks and still without any luck and getting the run around for the last so many months now.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/, A store manager from a furniture company, left a voicemail on my husband cell phone for me to contact her in regards of a new account that was recently opened in my name. On XXXX, I contacted her via phone in regards of the new account that was recently opened. She informed me that furniture were recently bought on credit at a Furniture store. I informed her that I have not opened any new accounts or bought furniture at any stores. She said she had a feeling something wasnt right because I live in a totally different State. She gave me the account number and address the furniture was delivered to. She said they have been getting a lot of identity theft lately due to people being able to fill out applications & get approve on the internet. She sent me an email with her store information. I called the police in their State but was informed to contact the police where I reside at and then they will be able to investigate the case.I looked on my credit report and that person was approved for XXXX by the lender._________________
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an account with TD bank. I make monthly payments for an outstanding line of credit. On XXXX I had an automatic payment set up but do to a computer error at the bank the payment did not come until XXXX, one day late. I contacted the bank and they advised they would pay the late fee so I contacted TD bank customer service to set up a payment for my other bank. I was told by a representative that because I was a valued customer the supervisor could remove the late fee. When the XXXX bill came the late fee was doubled to {$80.00}. I contacted the company two times in XXXX and was told a supervisor would contact me in 3 days ( they never called me ). In XXXX the late fee had become {$120.00} so I called 5 times during that month 3 times I will told someone would call me and on the fifth call I was told to dispute the fee and everything would be on hold until the claim was resolved. Over the next 3 months the late fee went up every month and no one ever contacted me. I even went into a TD bank location and was told they could not help me. I was forced to pay XXXX in late fees and they still attacked my credit.
Company Response:
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The company is reporting late payments when they dont have to authorization to report for my credit. Breaking my Fair credit reporting act laws. I do not and have not given consent or authorization to report any payments to my credit report. I am protected by The Dodd-Frank Act as-well. I need these 30 day and 60 day late remarks deleted from my credit as they do not have my consent to report this.. 15 U.S. Code 1681a
Company Response:
State: CA
Zip: 91768
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2020 I paid my XXXX ( red ) credit card bill online in full .The due date was XXXX, XXXXThe payment was effective XX/XX/XXXX XXXX. The following month I received a late fee stating the payment was posted on XX/XX/XXXX I opened a dispute and showed them my recipt as proof, however it wasn't considered. I refused to pay the late fee knowing my bill was paid in full and on time, but the late fees piled up until they reached {$280.00} when it reported to my credit score. I will attach the documents. Please let me know if there are any questions. Best regards, XXXX XXXX.
Company Response:
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have been requesting TD Bank North and XXXX to assist with Frauduent activity from a Crytocurrency scam. I have made all the attempts to file complaints to the FTC and Internet Crime Complaint center. I have not heard from either of these companies about my complaints. I sent XXXX money on XX/XX/21 for XXXX and XX/XX/21 XXXX to TD Bank North I sent XXXX money on XX/XX/21 {$1200.00} and XX/XX/21 XXXX I was scammed by a site called pristinefx.com who asking for more money to beable to release my funds. I sent the money through XXXX. I had to set up my account on Changelley to be able to send money through XXXX. I am unable to access the money through the plateform to obtain my funds as the scammers sent it through many ways and withdrawn. I understand XXXX policy, however they are regulated and have to verify these people through the app. to assure they are following regulation for trading. My banks are siding with XXXX as they are stating they provided a services, however the services they provided are with fraudent providers. My bank should protect my funds through these plateforms and they have not pursued it on behalf. I've attempted the correct people, however, since my investment is a lower amount, I have heard it is not a priorty. I have lost XXXX through this investment and I am unable to claim it as a lost as no one will help attain this money.
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A