Credit card or prepaid card -- Improper use of your report -- Complaint #4803725
Complaint Overview
Complaint ID: 4803725
Company: TD Bank US Holding Company
Product: Credit card or prepaid card
Sub-Product: Store credit card
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: California
ZIP Code: 95949
Date Received: 2021-10-12T12:00:00-05:00
Date Sent to Company: 2021-10-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX XXXX XXXX alerted me on my cell phone that a hard inquiry had been made to XXXX credit Bureau,. I got in touch with XXXX to tell them it was not me and I'd like a freeze put on my credit report. Later that same day I found out that XXXX had a data breach in XX/XX/XXXX. I had just switched my cell phone company to XXXX on XX/XX/XXXX,. Then again on XX/XX/XXXX I received another alert from XXXX XXXX about another hard inquiry. Both of the inquiries above were from Target/TD which is Target new accounts # XXXX XXXX XXXX. I called XXXX and put a freeze on my credit report @ XX/XX/XXXX. On XX/XX/XXXX I received another alert from XXXX XXXX that another hard inquiry from XXXX had been blocked. This is XXXX XXXX XXXX XXXX XXXX XXXX . Someone trying to open a credit card account in my name XXXX XXXX XXXX XXXX I went to the XXXX XXXX Police Dept in the beginning of XXXX XXXX and filed an identity theft report and am waiting to here back from the officer. I also called Target/TD back in XXXX and talked to someone in the fraud Dept about the inquiries,. She asked me a few questions related to the credit inquiries from information on her computer about parts of a phone number and address that the person trying to open an account used and they were not mine but she couldn't give me complete phone numbers or an address. She told me to make a police report
Frequently Asked Questions
What is Complaint #4803725 about?
Complaint #4803725 was filed against TD Bank US Holding Company regarding Credit card or prepaid card specifically about Improper use of your report. It was received by the CFPB on 2021-10-12T12:00:00-05:00.
How did TD Bank US Holding Company respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against TD Bank US Holding Company?
Yes, visit the TD Bank US Holding Company company profile at readthecomplaint.com/company/td-bank-us-holding-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.