Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been trying to deal with an account from a company called TD Bank Target card for over a year now. I have sent them multiple dispute letters AND phone calls stating that I had never opened an account with them and they are reporting a fraudulent account on my credit report. Now the account itself is not hurting me as it seems to be paid HOWEVER this account was never opened by me. I have spoken to someone from TD Bank/Target card and the person I spoke to in fraud department assured me that the account was closed and would not reflect on my credit report and here we are a year later with it showing as an open account and NOT REMOVED. I actually have a voice recording of this person at Target TD Bank STATING THIS VERBATIM. I am beyond livid at this point. I have sent the 3 credit bureaus ( XXXX, XXXX and XXXX ) multiple disputes and they still are not help. I am working with an attorney now that is costing me thousands of dollars putting a class action lawsuit together but at this point I am running low on funds when this could all be resolved by just doing the right thing... NOT REPORTING A FRAUD ACCOUNT WHICH I NEVER OPENED. This is going to be the death of me. I have sent TD Bank/Target letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again this last XX/XX/XXXX. Still no one can help me.
Company Response:
State: CA
Zip: 90631
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX and XXXX have reported inaccurate and incomplete credit information. This account was paid in full prior to XX/XX/2017. I am asking that this account be verified or removed immediately. Target # XXXX Thank you.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Dear Sir or Madam, My name is XXXX XXXX ; I need assistance from your office at this time to resolve an complaint with TD Bank. On XX/XX/2023 I discovered my secured credit card account have unauthorized overdraft charges from XXXX XXXX XXXX over XXXX. The secured credit card limit was only {$500.00} dollars. I filed a dispute and requested the charges to be denied and removed from my credit card account. My requests were denied. Nevertheless, my account should have never been charged in an amount almost 4 times over the credit limit. I should have been contacted by their fraud department for suspicious activity. They refused to take accountability for their error. At this time, I'm requesting my {$500.00} deposit to be returned immediately. I am no longer doing business with TD Bank. My verified charges was paid in full and account closed. Thank you in advance for your assistance in this matter. I will govern myself accordingly. Sincerely, XXXX XXXX - This message was sent from a mobile device. Please excuse errors.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I contacted a flight school called XXXX XXXX XXXX. I needed a multi engine pilots certificate to complete my training and begin a job. I did all previous training at the flight school where I also work. However, due to only having 2 weeks before beginning my new job, we were unable to schedule the training that quickly. XXXX flight training said via emails I can provide that they could complete the training by XX/XX/XXXX. The same day ( XX/XX/XXXX ) or my initial inquiry, I signed a contract with them for my training to begin XX/XX/XXXX and ending XX/XX/XXXX. The ONLY reason I used them is because they guaranteed my training schedule to be done by XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX took an initial {$1000.00} deposit. XX/XX/XXXX XXXX XXXX XXXX took the remaining {$3600.00} for the training. Halfway through the training, they had to cancel and move several of my flights, then the aircraft I was using became no longer airworthy. At this point, my final exam was cancelled and moved by the staff of XXXX XXXX XXXX who at least apologized, and covered the examiners non-refundable reschedule fee, as XXXX XXXX XXXX recognized that it was their fault. I asked my future employer for and extra week, to which he agreed. My exam was now booked for XX/XX/XXXX I continued the training they moved from week 1 into week 2. Two flights into week two, on XX/XX/XXXX XXXX XXXX XXXX took an additional {$700.00} from my account because I had gone over the week long training, which was their fault! Then, they also cancelled my final exam on XX/XX/XXXX due to internal discrepancies with the FAA. Again, not my fault. They said I could continue training until the FAA discrepancies were resolved, although they didnt know how long it would take. My future employer said he could wait no longer, so although they offered more training, I was unable to wait. I moved on, and completed the training through my then future, and now current employer. I emailed XXXX XXXX XXXX to resolve the issue. I was open to a full or even partial refund, to which they strongly disagreed. I then filled a merchant dispute with TD card services. I furnished over 30 pages of evidence containing our contract that clearly stipulated the dates. Emails back and forth, stipulating the specific week long training schedule, as well as emails of me trying to resolve it, etc TD contacted XXXX XXXX XXXX, and ruled in their behalf because they said I was the one who declined further training. I obviously declined more training, because I was out of time. This dispute isnt about the training conducted, its that XXXX XXXX XXXX IS IN BREACH OF CONTRACT. I then filled an appeal, to which TD sent back a reply quoting their initial response that they already looked into it before, and I declined further training, so Im at fault. I then filled an initial complaint on XX/XX/XXXX with you at The CFPB. You contacted TD, to which XXXX from TD called me directly on XX/XX/XXXX. I was flying and unable to answer, but returned her call that following Monday XX/XX/XXXX at XXXX sharp. For the next week, I called the number XXXX gave which went directly to voicemail, and received no reply. I can and will furnish over 30 pages of documentation, and answer any questions further. Im just desperately hoping that the powers that be can help me! XXXX XXXX XXXX clearly breached the contract, and despite my patience by training an additional week, as well as offering to settle with a partial refund, I just keep getting run over. Then TD card services adds insult to injury by calling, and leaving me with a number that leads to no where. Can someone please help me sort this out! Thank you in advance, I eagerly look forward to your reply.
Company Response:
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Nordstrom XXXX XXXX XXXX XXXX CO XXXX Re : Order XXXX XXXXXXXX Account ending in XXXX On XX/XX/2023, I purchased XXXX shoe items XXXX XXXX and item XXXX XXXX. On XX/XX/2023, I received item XXXX XXXXXXXX ( {$1000.00} ), however, item XXXX XXXXXXXX ( {$1200.00} ) was delayed. On XX/XX/2023 I realized I had not received the item, I called Nordstrom to inquire about the status of item XXXX XXXXXXXX and was told and shown thru email that the item XXXX XXXXXXXX was informed the package was delivered in an open area to the public, and left in front of the door. I understand the item was delivered as said and left in front of the door however, I dont live in the hallway and not home to accept the package and specified that item XXXX XXXX was never received. Upon making the purchase, it was discussed with the retail sales representative XXXX XXXX sales person, Designer shoes @ Nordstrom XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX ext XXXX to make a note for delivery to leave the item with the XXXX, not in front of the door because item are being stolen. This is a building and theyre no cameras on the floors and no security. After going back and forth with Nordstrom customer services on several occasion via phone, I asked why wasnt the item left with XXXX as requested by myself the day of purchase. Customer service states the drivers are allowed to use their judgement on how and where to leave the package. It was also said that the first delivery was left at the door and accepted. Unfortunately, the day of the first packaged that was delivered my husband XXXX XXXX XXXX was home to find the package in the hallway in front of the door however, on the second delivery there was no one home to accept the package and upon my arrival from work the package was never found in the hallway in front of the door as said. My husband and I leave home for work at XXXX and return by XXXX every night, that is why specifics are made. The insult ; I was told the item ( XXXX XXXXXXXX ) to be removed can not be honored because its an expensive item, however, both items ( XXXX XXXXXXXX ) are expensive. I would like address by the insult I make purchase for expensive items all the time, I shop at stores such as XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX etc. To me this is an insult, accusing me of keeping such item and refusing to pay ( unacceptable ). My fico score is currently XXXX. I was raised to respect credit as a young girl, Im now XXXX old. Soley, due to the negligence of the delivery, and Nordstrom ignoring the request to leave package with XXXX on the day of purchase, and the request for signature also the poster of XXXX, XXXX XXXXXXXX, USPS, and XXXX on the wall upon entering the building which also specifies to leave with XXXX, because items are being stolen was ignored, Ive have made several attempts to resolve this issue since XX/XX/2023, this is an ongoing dispute. I had my lawyer file a complaint to help resolve this issue, I made several calls to Nordstrom with no resolution. I will continue to work towards having this issue resolved as a respectful citizen and a value customer. I have shopped with Nordstrom for over 20yrs. What happened to respecting value customers, this is not respectful it is disrespectful. I understand the store does not want to take the loss however, I dont understand how Nordstrom would expect me to pay for an Item I did not receive. Thank You XXXX XXXX, Certified Mediator XXXX XXXXXXXX, Certified Chaplain XXXX XXXXXXXX
Company Response:
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2021 XXXX they frozen my account because the person who wired the money used the wrong name. TD bank refuses to release the remaining balance they said im not entitled to it.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TD Bank has failed to implement basic protection to protect card holders from fraud. I have a credit card issued by TD bank. This card is rarely used and the amount charged on the card is not exceed {$100.00} per transaction. The card was added to an XXXXXXXX XXXX without my permission. TD bank failed to notify me that the card was added to XXXX XXXX Then, the card was charged over {$9000.00} for three transactions in one day. The smallest amount of the three charges is over {$1500.00}. In light of the extremely abnormal transactions and excessive amount of charges, TD bank approved the charges without notified me. I was surprised to find out that I have a balance of over {$9000.00}. When I called TD bank to dispute the charges, I was told that I have to pay the minimum balance if the dispute didn't resolve by the payment due day. This is outrageous! TD Bank has failed to protect its cardholders.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I went on to my computer to my XXXX account which I do to check the balance amount because digital coins are so volatile. At that time it showed my balance to be approximately {$46000.00}. I then proceeded on the XXXX site virtual chat room area to ask whether any tax information for XXXX was available and if so, how could I retrieve it from the site. The virtual chat was responding and conversing with and they wrote " They wanted to verify it was me they were communicating with by sending a 2 factor authenication code. The code they sent me was XXXX. Then they asked to call me to verify it was me they were talking to, so I gave them my cell #. On XX/XX/XXXX I checked my cell phone 's recent calls and it showed a phone # of XXXX, XXXX XXXX, Ca. That person who called me said they wanted to make sure my account was secure and asked me to go to XXXX, which I did. Then I have written down on my notes XXXX. On XX/XX/XXXX th, in the morning I checked my XXXX balanced which showed my balance at approximately {$1400.00}. At that time I realized I had been scammed. I immediately contacted XXXX XXXX and asked them to freeze my account because I was scammed, which they did. I then checked my TD Bank checking account and saw there were also pending withdrawals of {$2000.00}, {$500.00} and {$2400.00} totaling {$4900.00} out of my account. I immediately called my local branch of TD Bank and asked them to put a stop order on the pending withdrawals and advised them that I did not authorize those withdrawals and that I had been scammed. I advised them I would be immediately coming down to the their bank office. ( See Attachment A1 which shows TD Bank letter from their XXXX XXXX NJ office acknowledging the withdrawals mentioned above. I assume this is their Fraud headquarters office ). I met with the TD Bank customer representative who got their Fraud department on the line and she explained the situation and what occurred and to insure they understood that my banking account had been hacked as well as my XXXX account and that the pending charges of {$4900.00} were not authorized to be paid. They then proceeded to close my personal accounts and credit cards and then my business account and debit card. they also changed my passwords for on line banking. I also that day filed a report with FTC.gov ( report # XXXX ) On XX/XX/XXXX I went to the local police dept. to report the fraud claim ( see attachment A2 and A3, the incident report, case # XXXX ). The detective that came out to my home to interview me and see the evidence I had of the scam. The detective had sent a summons to TD Bank and to date they have never responded. He has since followed up and still has not gotten a response from TD Bank! Also attached ( see attachment A4 ) is 1 of 3 letters from TD bank dated XX/XX/XXXX upon which I have written notes. On this attachment you will see in the last paragraph of this letter it states " you have the right to request documentation, if any, used to make this decision. '' You will also note in the 3rd paragraph that the monies ( XXXX XXXX ) would be taken from my account... .which happened on XX/XX/XXXX. Neither the bank or any of its representatives ever telephonically or wrote to me regarding the unauthorized charges. On Saturday XX/XX/XXXX, I called the banks 24 hour # and asked to speak to someone in the Fraud dept. they were unavailable. Thus she advised me she had file a form with the Fraud dept. requesting they furnish me the back up info. I followed up on on XX/XX/XXXX and was advised " they have your request and are still working on it. On XX/XX/XXXX I called and was advised by a person named XXXX that she could see any progress or request so she said she would file another request and that their normal time to get a response was 7 - 10 business days. Attached please see attachment A-5 a copy dated XX/XX/XXXX XXXX my XXXX account, you will notice they advise my that they have not been paid by TD Bank. It is obvious to me that if TD Bank has taken {$4900.00} out of my personal account and with no authorization from me and XXXX claims they have not received any monies that I am now being scammed by TD Bank which should have never take my money.
Company Response:
State: NH
Zip: 03820
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company is reporting the account as charged off every month. I haven't made any payments on this account. It is illegal for them to do this since the account has been closed for almost 5 years. They marked charge off for 63 months.
Company Response:
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report is showing NORDSTROM/TD BANK USA for {$3600.00} opened in 2018. I have tried several times to have this removed since this is not my account. They have declined the dispute every time with no back up informationto prove this is my so-called account. I am not sure of the next steps I need to do but this has been a very stressful situationand is affectingmy credit for somethingthat is fraud or an error.
Company Response:
State: MD
Zip: 214XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A