TD Bank, National Association Corporate

Complaint ID: 7226165

Product: Credit card or prepaid card

Sub-Product: Store credit card

Issue: Getting a credit card

Subissue: Card opened as result of identity theft or fraud

Company: TD BANK US HOLDING COMPANY

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: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7226115

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Company: TD BANK US HOLDING COMPANY

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: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7224609

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Was not notified of investigation status or results

Company: TD BANK US HOLDING COMPANY

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: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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