Date Received: 2023-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing this complaint against Target for Breach of Agreement. I called and spoke with a Target collection representative on XX/XX/XXXX and requested a settlement on a charged off account. We agreed to a one-time lump sum payment in the amount of {$520.00}. Target received payment by check per this agreement and drafted find out of my bank account which posted on XX/XX/XXXX. Target reported the balance on this account as removed and noted paid in full for less - charged off on my credit files at the three major credit bureaus. 6 months later on XX/XX/XXXX, I received a refund check through the mail from Target in the amount of {$520.00}. I called and spoke to a Target collection representative. She informed me that the balance of {$520.00} was somehow reinserted but she did not elaborate on why. Target is now reporting a delinquent balance of {$520.00} while simultaneously reporting this account settled in full for less on my credit report even though Target drafted funds {$520.00} out of my bank account which posted on XX/XX/XXXX. This is inaccurate and a violation of the Fair Credit Reporting Act. I am requesting Target to expunge this account from my files at the three major credit reporting agencies for inaccuracy or explain what is your purpose of sending me a refund check?
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XXXX I was informed through a credit monitoring service that my credit rating had been negatively impacted by a late payment to TD Bank for overdraft protection. Specifically, the amount of credit line used was {$2100.00} - late by 120 days. I was unaware that I had an active joint checking account with overdraft protection with TD Bank and reported it as fraud. An investigator with TD Bank concluded it was not fraud because he had a record of my signature agreeing to overdraft protection from XXXX with a bank ( XXXX XXXX XXXX ) that later merged with TD Bank. I did affirm that it was my signature, however, it was on an application and not a contract as stated and had no terms or conditions, no fee schedule, no interest rate, no information about a minimum balance for the associated checking account, or any information about the co-signer attached. The reported date in XXXX was in conflict with another record provided by TD Bank stating that the overdraft account was opened XXXX Speaking to several bank representatives, I discovered that the original joint checking account had been opened in XXXX with XXXX XXXX XXXX but that the signature card associated with the account pulled another customers signature from PA. There was no signature card for myself or the co-owner associated with the original account number. I believed that this checking account had been closed in XXXX and I had not received any notice at any time from TD Bank that there were funds in the account or that there had been a merger. Nor did I receive any bank statements showing that the money in the account had been reduced to a negative balance of {$49.00}, and that the overdraft fees had accumulated to over {$2000.00}. In fact the address that TD Bank had on record ( a street address ) was not a mailing address - being located in a rural area, residents were given postal boxes for mail to be delivered. Moreover, I had moved from that address in XXXX and never received any forwarded mail from TD Bank. In accumulating their fees, TD Bank charged the checking account until the funds were gone. At that point they withdrew funds from the overdraft protection to pay the fees and then to pay the interest on the amount of money withdrawn from the overdraft protection line of credit. This circular pattern of the bank paying itself continued with increasing dollar amounts until the credit limit of {$2000.00} was eventually reached. Without my affirmative consent, I believe TD Bank opened an overdraft account in my name based on an incomplete application and approval letter. Further, they attached fees to the checking account which started with a positive balance of {$1700.00}, until it was discharged at a negative balance of {$49.00}. When I requested the fee schedule, terms, interest rate, annual fees, minimum balance requirements, and monthly payments for the checking and overdraft accounts, they could not produce any records, reporting that there were no other records from the merger. They stated that the terms had been grandfathered '' after the merger with XXXX XXXXXXXX XXXX but could not produce any records to this effect either. When I asked why fees were able to accumulate over a 13 year period without turning the funds over to the state after the account stopped all external activity, I was told that I had signed an agreement to pay an annual fee in addition to a minimum balance fee which was considered customer generated activity. They could not, however, produce any documents to show that I had been made aware of and agreed to these terms. Over the course of five weeks, I have made numerous calls to TD Banks discharge checking account and loan servicing departments, made multiple visits to branches in both Massachusetts and Vermont, and sent certified letters to the Senior VP of Customer Service and Operations Center. There has been no resolution to date. Under pressure, I paid off the balance of the line of credit to avoid defaulting on the loan and making my credit rating even worse. With the payment of fees to TD Bank, I have paid almost {$4000.00} ( {$2200.00} in overdraft fees and {$1700.00} in checking account maintenance fees ). I believe all fees should be reversed, a refund given in the same amount, and my credit restored.
Company Response:
State: VT
Zip: 053XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Td bank has been showing my Transactions and experiences. They have been doing so in a negative fashion since XXXX of 2018. They have been notified by my by every Avenue required by law and they still refuse to remove or put things into a positive. They have caused me pain and suffering, loss of jobs, dropped credit score, denial of residency, weight loss, increased insurance rates, loan denials.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an XXXX XXXX card to finance some furniture for a new house in XXXX of XXXX. On XX/XX/XXXX, I decided to make the monthly payment from a different account than I normally would. Since the bank of the account I was paying from has different routing numbers for different regions, I contacted the bank to get the appropriate routing number as i do not have checks for this account. A few weeks later I received a call from TD Bank ( the owner of the XXXX XXXX credit card ) stating I was late with my payment. In shock, I asked the representative to look into it, knowing I had made the payment. The payment was returned because the routing number turned out to be incorrect based on my region. The representative CONFIRMED that I had attempted the payment and waived the late fee. I called TD Bank today because I noticed ANOTHER late fee on my account that posted on last month 's due date, XX/XX/XXXX, for {$40.00}. I called again to question why a late fee was charged ON the actual due date and they informed me that since the payment wasn't posted to the account until XX/XX/XXXX, the late fee was valid and used the fee ( that was not my fault ) that was waived back in XXXX as leverage to tell me the {$40.00} fee for XX/XX/XXXX is valid and since it was less than 12 months ago, they will not be waiving it. I requested to speak to a supervisor in which the response was " Shes not going to be able to do anything either '' but I asked again to please speak to the supervisor. XXXX, the supervisor, came on the line and said that since it was not an error on TD Bank 's part that the fee in XXXX posted and since they do not provide ANY grace period ( something I was not aware of as well ), that the only way I could have the fee waived is by paying the balance in full. ( The balance is XXXX XXXXif I could pay the balance in full, I would not be making payments ). I repeatedly asked to take the XXXX fee waiver into consideration since it was an honest error and not negligence on my part and was told no. I informed the supervisor that I would be filing a complaint.
Company Response:
State: NY
Zip: 14043
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hello, An fraudulent account was opened in my name on XX/XX/2023. The account opened was a XXXX XXXX account through XXXX Bank. The day the account was opened, I received a credit inquiry alert through my credit monitoring on XXXX. I immediately called XXXX and told them I never applied for anything and they opened a case for me. I also immediately locked my credit. After hanging up with XXXX, I called TD bank to report the issue. I was eventually transferred to their fraud department who assured me they noted my information and I had nothing to worry about because they did not approve any application on with my information as I was not a customer of their. Over a week after this incident, I received a notice from TD bank that " my recently opened '' XXXX financing account requested an address change. I called TD bank again and they were able to verify an account was actually opened. I asked TD bank to provide me the supposed new address to the address change request and they would not provide me the address. I requested this to open a police report but the bank denied providing me the information. The address is somewhere in New Jersey as the person who used my information to purchased some type of cell phones to be delivered in New Jersey. TD bank opened up a fraud case this time and provided me a case number and stated they would be mailing me an affidavit to fill out that I did not open this account. TD took over two weeks to mail me this letter. Once I received the letter, it stated I must respond within 14 days of the printed dated on the letter which was day 12 from the issue date. I emailed the letter to their department ( company stated that was an option ) on Sunday XX/XX/XXXX. I have not received any update from TD bank yet. Today my credit report posted the new account and maxed out balance. I am hoping to get this resolved as soon as possible but TD bank is not easy to deal with as they state they will get back to me eventually. I will be more that happy to provide account numbers and information if needed to look into the case and make sure resolution is made. The companies like TD bank allowed this fraud to go through, ignored my call the date the account was opened and lied that an account was not approved in my name, and have information of where the persons who stole my information and shipped fraudulently purchased merchandise and will not provide it to me to file a police report. I also received text messages to my cell phone regarding XXXX trade in program that I am required to send in the trade in a face charges. I called XXXX and all they did is route me to XXXX. I am still receiving text messages from XXXX about required phone returns. Thank You!
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have wrote this story 3-4 times with no help so I will just show you the contents of an email sent to TD Bank regarding the situation. " Dear TD Bank Customer Service Team, I am writing to express my disappointment and frustration with the treatment I have received from TD Bank in relation to an unauthorized charge on my debit card. My family and I have been loyal customers of TD Bank for over 10 years, and I am disappointed with the lack of support and assistance I have received during this time of need. On XXXX XXXX XXXX I lost my wallet at a XXXX XXXX at the XXXX, a bar in XXXX, NJ. I immediately thought that I had left it in my friend 's car, but the next day I noticed that my TD Bank debit card was charged for {$640.00} at a XXXX XXXX in XXXX XXXX, New York. I quickly froze my card and contacted the TD Bank dispute and claims center. During my call, I informed them that my wallet was stolen and that it was IMPERATIVE that they note this information since my PIN was my birth year which is readily available with my drivers license. After eight long days of investigation, I was informed by TD Bank that they did not find any fraudulent activity on my account because my PIN was used to make the transaction. However, I find this conclusion to be inaccurate and concerning. First of all, it took your investigative team to decline my fraud request after EIGHT days because my PIN was used? EIGHT days to come to the conclusion that I am wrong because my PIN was used? When I make purchases online over a certain amount, I always receive a notification on my phone, and I did not receive any such notification for this transaction. Additionally, it is unlikely that I would make a purchase at a XXXX XXXX location in XXXX XXXX, New York, since I reside in New Jersey. Lastly, the security cameras at XXXX XXXX will show you that I was most certainly NOT making any purchases at XXXX XXXX, New York. Furthermore, my mother told me TD bank was reliable and their investigative team would do their best to make sure the situation would be handled properly because NO ONE in my family, including myself, has ever dealt with Debit/Credit card fraud so I believed her. So what did TD bank investigative team do during the EIGHT day period from when the claim was started to finalization? They concluded that since my PIN was used I am wrong. Remember this conclusion can be made in 5 minutes given the accessibility you have to this information. The representative on the phone could've made the same conclusion because she even asked me if I used my PIN. I thought your team of salaried employees would be actually conducting a proper investigation by getting concrete evidence such as XXXX footage. Therefore, I am requesting that TD Bank takes appropriate action to investigate this matter further. I am considering speaking with law enforcement to attain the proprietary video footage at XXXX XXXX, which will prove that I was not the one making the purchase. As a loyal customer of TD Bank, I expect to receive the support and assistance necessary to resolve this issue. I hope that TD Bank will take the appropriate steps to rectify this situation and provide me with the necessary credit for the unauthorized charge on my account. Thank you for your attention to this matter, and I look forward to hearing back from you soon. Sincerely, XXXX XXXX '' Basically I lost my wallet, my ID was in my wallet along with my debit card, the fraudster used my birth year as PIN, and TD Bank says the PIN being used is enough for them to deny the claim. Fast forward to today, I TD Bank calls and said that my claim has been set to automatic denial by the manager meaning if I were to resubmit the claim it will be automatically denied. I was heartbroken I work minimum wage while paying student loans, and my bank doesn't care when theft took place. I am sure if the number was higher I would've had my money back because an ACTUAL investigation would have taken place. They don't even bother to check security cameras... I went to my local police department to submit a police report, BUT the fraud took place in NY so it will take along time to get their hands on the video footage, so long that it will probably be deleted by the time. I want to seriously cry, I have student loan payments and they aren't taking the precautions necessary to properly evaluate this case. I asked for the manager 's name she instantly denied. This is the number of the TD Bank Dispute and Claims representative that failed to provide me with the proper information necessary to further resolve this issue. ( XXXX ) XXXX. Thank you for your time
Company Response:
State: NJ
Zip: 07407
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened an account with TD/XXXX Account XXXX XXXX This account was set to autopay but it was attached to the wrong account, as soon as I was made aware of this issue I got it all straightened it out and paid it off.
Company Response:
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This creditor is reporting inaccurate information on my consumer report. Ive asked for verification, and they failed to verify the account. Furthermore, the account is inaccurate because it is listed as an inaccurate status that does not correspond with the status that the account is in. I requested the form 1099c as per the IRS when the account is in charged off status or a form 1099c has been filed and ignored that request and it seems that a form 1099c was not filed therefor the account was not charged off. So, its been reported inaccurately and pursuant 15 U.S. Code 1681s2 this account must be deleted pursuant those laws. In addition, they are in violation of 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title -nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. This means TD Bank a financial institution has disclosed nonpublic personal information to nonaffiliated third parties XXXX, XXXX and XXXX. nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XXXX, my car was hit by another vehicle. On XXXX, my insurance company XXXX XXXX ( where I carry a complete insurance policy ) deemed my vehicle a total loss ( claim # XXXX ). I have an auto loan through TD Auto Finance, Loan Account # : XXXX. I accepted XXXX XXXX 's offer, which left me with a {$2000.00} gap I will owe which is fine. I did not have gap ins. The problem is that despite many requests, TD Auto Finance has not sent XXXX the XXXX a letter of guarantee. It has been almost 90 days since this accident. TD 's lack of response presents me with an incredible hardship, as I am unable to pursue a replacement vehicle until they have accepted XXXX XXXX 's payment. See below for an email thread with my ins agent : HI XXXX, I got in contact with the Total Loss department, who is handling this claim now, and they advised that they are waiting on TD Bank to send a Letter of Guarantee. Once that is received, XXXX XXXX can send payment. The letter can be emailed to XXXX with the claim number referenced in the subject line. Your claim number is XXXX. The Total Loss Claims department can be reached at XXXX XXXX if you need further clarity on this. I hope this helps! Kind Regards, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Fax XXXX See below for one of my several communications to TD Auto Finance. I have called them XXXX times, as well. XXXX : Dear XXXX, Thank you for reaching out to TD Auto Finance about your loss. Were sorry to hear about your vehicle and, more importantly, we hope everyone is okay. Please understand you are responsible for payments until the balance is paid in full, in accordance with your contract. If you have any other questions or need further help, please let us know. Thank you for being a valued TD Auto Finance customer. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance TD Auto Finance is a division of TD Bank , N.A . The TD Logo and other trademarks are the property of the Toronto-Dominion Bank or its subsidiaries. ORIGINAL MESSAGE XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Subject *Account document or form requestXXXX XXXX is ready to mail you a check but have been waiting quite some time for you to return the lienholder form. This accident occurred 2 months ago. Please promptly send this form to XXXX XXXX this week, so that I may move on with my life. Thank you in advance for your assistance! I am really simply asking TD Auto Finance send XXXX XXXX a letter of guarantee. XXXX XXXX
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The Nordstrom Card, continually turns down charges at the register and then says we are investigating for fraud. My wifes and my card has been on hold for week despite the previous statement being paid in full, 4 direct conversations with the company ( wasting nearly 5 hours of my work hours, 3 calls to request our card be re-activated. I am stuck on hold for 40 minutes waiting for a supervisor. They have no reason to suspect fraud on any of our local purchases that have been verified by us as valid. We do not have this problem with our other cards. Overall, it is not fair or reasonable that a card company can charge late fees when one is one second late for not meeting the conditions of the contract ( and also charge 28 % or more interest ). However, when the card company fails to live up to the contract and help facilitate transactions when all conditions have been met by the consumer, the card company should pay a fee to the consumer and also be charged for the consumers lost time at work having to sit on the phone to rectify the situation. The current framework is far too asymmetrical in favor of card companies and they should be fined and consumers compensated for failure to meet the conditions of their contract. I would appreciate if the CFPB would review Nordstroms practices as I feel they are violating not only regulatory requirements, lack available supervisors, and are not treating my family and other consumers properly and fairly!!!!
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A