Date Received: 2023-05-30
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Transferee from TD checking account to TD credit card XXXX $ payment. Bank took money from checking account immediately, but says my credit card payment is pending for 24 hours! I lose interest from checking account. I still pay interest on credit card and bank keeps my XXXX $ somewhere for 24 hours
Company Response:
State: MA
Zip: 01701
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Potential fraud committed on my debit card. Told fraud team about issue and they stopped payment. I was told to go to a local branch and get a replacement debit on the same day. When I went to the local branch in XXXX XXXX they were having " system errors '' all over the bank and were unable to issue me a card. They told me they would call me when the card was ready. They never called me. I went in after XXXX business days to check on the " system errors '' and my card was ready. The local branch failed to call me. Then, on Tuesday XX/XX/XXXX, I received XXXX replacement cards in the mail telling me to activate each card. I went to the local branch to complain and they offered no help. I told them I was concerned that the issuance of these many cards without activation would cause them to freeze my account. They offered no assistance.
Company Response:
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I opened an account with TDRetail in XXXX. I have encountered job loss and job change yet continued paying my account. I communicated extensively with TDRetail the entire duration of my account usage ; I formally requested hardship consideration to be able to pay my account off under the deferred interest period - request was for an additional 30 - 45 days. I received no response from TDRetail for over 4 months even though I continued to inquire regarding my request, I continued payments on my account. Finally, after several inquiries on my part and no response, then TDRetail denied my request. Once XX/XX/XXXX arrived and I had paid ~ {$2500.00} on the principal ( original purchase ) and ~ {$1000.00} in interest - I prepared a dispute of the remainder of the debt showing as exorbitant predatory interest, including in writing and verbally during phone calls that my last payment was my final as an accord and satisfaction. Now TDRetail is calling a mailing me incessantly, and negatively reporting on my credit. Getting a line of credit - TDRetail lowered my credit limit, now reporting negatively on my credit ( confusing advertising or marketing, credit denied ) Problem when making payments - Although I endured financial challenges I paid my account- I communicated extensively with TDRetail ( billing, privacy issues ) Struggling to pay your loan - Although I was in XXXX XXXX, I paid my TDRetail account ( payment plan, repossession, bankruptcy ) Problem with the payoff process at the end of the loan - TDRetail is charging my exhorbitant interest although I have paid principal and interest to finalize the debt ( refinancing, extending loan ) Charged fees or interest you didn't expect - TDRetail is adding exorbitant predatory interest charges to my account Problem with additional add-on products or services Problem with cash advance Credit limit changed - TDRetail lowed my credit limit Problem with credit report or credit score - TDRetail is negatively reporting against my credit
Company Response:
State: MI
Zip: 48507
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing this complaint in response to Target letter dated XX/XX/2023. Which Ive included a copy of the letter, Consumer Financial Protection Bureau, case number XXXX. I find it perplexing that Target would even consider honoring a refund request for a debt agreement that has already been executed. It is evident that the debt was paid in full according to the terms of the agreement. Therefore, it raises serious concerns as to why Target would allege to have entertained such a request without proper justification. As a responsible consumer, I understand that the concept of a refund is typically associated with situations where a payment has been made in error or for goods and services that have not been provided. However, in the case of a collections debt agreement, where the payment has been fulfilled and executed according to the agreed terms, it is unreasonable to expect a refund. Moreover, the refund check remains uncashed. This is because Target already possesses the full amount of {$520.00}, as per the executed collections debt agreement. I kindly request that your office conduct a thorough investigation into this matter and ensure that Target XXXX provides a detailed explanation for their decision to entertain a refund request on an executed debt agreement. It is crucial for businesses like Target to maintain transparency, uphold the integrity of their operations, and provide satisfactory resolutions to their customers. I appreciate your attention to this matter and request that you take appropriate action to address this complaint against Target XXXX. I have enclosed copies of relevant documentation. Please feel free to contact me if you require any further information or clarification. Thank you for your time and assistance in resolving this complaint. I look forward to a prompt and favorable resolution to this matter. Respectfully submitted, XXXX XXXX
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in a direct violation of the Fair Credit reporting act Nordstrom Visa Account number : XXXX XXXX XXXX XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states I have a right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
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 you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX
Company Response:
State: CA
Zip: 93702
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act Nordstrom Credit Card Acct # XXXX, has violated several of my rights, 15 U.S.C 1681 section 602 A. Clarity states a I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. Remove these late payments and update these accounts immediately as you are in direct violation of several laws under The Federal Credit Reporting Act.
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my Consumer Reports and noticed that I have XXXX payment late on my XXXX XXXX account but it is marked inaccurate for the month of XX/XX/2022. The different companies are reporting different outcomes for that month can you investigate this discrepancy thank you XXXX XXXX
Company Response:
State: CA
Zip: 91803
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: INSTITUTIONS MADE INQUIRIES WITH FRAUDLENT INFO/IDENTITY THEFT INFO AND OPENED ACCOUNTS W/OUT MY PERMISSION/CONSENT
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: INSTITUTIONS MADE INQUIRIES WITH FRAUDLENT INFO/IDENTITY THEFT INFO AND OPENED ACCOUNTS W/OUT MY PERMISSION/CONSENT
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A