Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: TD Bank ( TD Retail Card Services ) sent me a debt collection letter dated XX/XX/23 for a past due amount concerning my TD Bank Yard Card. I received the letter on Friday, XX/XX/23. I immediately called TD Bank customer service to let them know that there was an error on TD Bank 's part because I made the payment online as I always do and the payment was removed from my bank checking account on XX/XX/23, two days before the payment was due. After speaking with three different agents between Friday, XX/XX/23 and Saturday morning, XX/XX/23, I was told I would have to email proof of the transaction. I was provided with the email address and an " Attention to '' number, being " XXXX '', and sent in proof on XX/XX/23. I was told I would be contacted once received. I did not hear from anyone yesterday, XX/XX/23, nor today, XX/XX/23, and have emailed TD Bank twice more requesting a response. I tried the customer service again who stated I would just have to wait to hear back from my email submission. I'm " disgruntled '' to say the least that I received a past due notice in the first place on an account that wasn't past due. I'm afraid this will cause a derogatory statement through the credit bureaus on a matter that was no fault of my own.
Company Response:
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: We received a hacked email from our contractor. It was his real email address asking to change the final payment instructions to be XXXX instead of check. We sent XXXX via td bank to the scammer. We realized this when our contractor called asking about the payment. The bank is rejecting our disputes.we have sent all paperwork already via the branch manager forwarding to the fraud department. This included the entire hacked email trail and police report.
Company Response:
State: MA
Zip: 01915
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a target credit card. On XX/XX/XXXX, I called Target and paid the balance in full over the phone. They returned the money, and I was not made aware of this. On the phone they accepted my full payment of {$240.00} I wasn't mailed information on this until the XXXX of XXXX, at which time my credit report had already been reported as late and my credit score dropped over XXXX points. I found this out when I went to Apply for a mortgage in early XXXX, then I was told my credit score which was once in the 740 's was now XXXX. I was mortified. I called Target card and found out what was wrong and paid my account in full. This is not fair, and it is costing me a lot of money by having to now obtain an FHA loan. You can see from my credit that I have perfect credit history. The way that target handled this had disparate impact on my family. I would like this negative reporting removed immediately.
Company Response:
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists, It is my understanding that you will investigate these items for me to ensure accuracy. XXXX XXXX NORDSTM/TD XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a cashiers check on the XXXX of XX/XX/2023 into my business checking account. On the XXXX of XX/XX/2023 I checked my online account and the transaction still said pending so I contacted the bank and was told the check had a 6 day hold on it. I was told their policy is 1 to 6 days. I asked what was the criteria for whether it was 1 day up to 6 and was not provided a reasonable explanation. I asked to speak to a supervisor and was told one was not available at that time of the night but I could call back the next day. I called on the XXXX of XX/XX/2023, spoke with a supervisor and was told the same thing and that the funds are scheduled to be released on the XXXX of XX/XX/2023, which is more than 6 days from the day I deposited the check. I went to a branch and spoke with someone and was told that the issuing bank put the hold on the check not them and there was nothing they could do. I left, called the issuing bank which is XXXX XXXX XXXX XXXX and was told a cashiers check is guaranteed funds and that they did not put a hold on it. I called again on the XXXX th and the XXXX. On the XXXX of XXXX the supervisor tried to call the hold department but could not get through so she sent an email to try and get further answers. The check is for {$20000.00}. I've deposited cashiers checks into this account several times before, {$23000.00}, {$18000.00} with no problem, 1 to 2 days cleared. There is no problem with my account. I'm told there is a 6 day hold on this check but the funds won't be released until the XXXX which is 13 days after I deposited the check. I can not pay my employees or my contractors and my business is being held up and no one at the bank can provide a reasonable explanation as to why this check is on hold.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years. 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Company Response:
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: td XXXX responded to the complaint. td bank hasnt responded to the compalint. the complaint is about td bank and the reversal of 2 deposits that should have been on the card 2 months ago. The complaint is not about td XXXX
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
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: After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.
Company Response:
State: CA
Zip: 95688
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I previously made the mistake of filing my complaint over the phone with a CFPB rep and apparently that was more than he could handle as the complaint he filed was completely unrelated to the actual issue at hand and now my credit report actually looks worse than it did prior to my previous complaint. The issue as reported by the CFPB agent was not accurate. My issue was never that my credit reports were not updated since 2018 regarding this account. My issue is that the account is not being correctly reported by the creditor. This account was not included in or XXXX in my bankruptcy. This account was paid in full, in good standing 2 months prior to my bankruptcy discharge, which they were not listed as a creditor in. They chose to close the account on their own authority due to the fact they were made aware of my bankruptcy and not because they were included in it. No debt was owed to this company at the time of my bankruptcy, nor was any debt discharged in my bankruptcy. Now my credit report is worse off than it was previously was, as it previously reported " Discharged through Bankruptcy XXXX XXXX/Never Late '' to now just reporting " Discharged through Bankruptcy XXXX XXXX '' so my credit looks worse than it did previously. Reporting debt as being XXXX in bankruptcy when it was not discharged in bankruptcy has to be violating some type of Fair Credit Reporting law and I will file a complaint with every legal entity I can until I get this resolved. I have attached a full list of creditors included in my XXXX XXXX XXXX bankruptcy filing as well as the list of added creditors when my bankruptcy was moved to XXXX XXXX to show that TD Bank USA/Target was not included in the list of creditors.
Company Response:
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've been manipulated and tormented by a sales rep on XXXX XXXX XXXX XXXX, without my consent my credit was checked inaccurately and unlawfully. I've told him multiple times to not check my credit. The next following day my credit report has taken a hit with a hard inquiry. I've called the company and also the manager nothing was resolved. They've also appeared on my credit previously on XXXX XXXX without me knowing. It's now getting annoying and insulting to me as a consumer. This must be deleted from my reports immediately.
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A