Date Received: 2023-04-06
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: 1-I was a customer of Target Red Card since XXXX. With no problems. The Card was cancelled at the end of XXXX for lack of use. I did not shop because of COVID. I could not get out because I am XXXX XXXX veteran and my husband was working as a XXXX almost every day on a COVID unit. 2-I requested my account remain open. I was approved and sent a new card and a {$40.00} gift certificate that I did not use. ( BTW more money than the {$30.00} they reported I did not pay to the credit Bureaus ). 3-I made a small purchase for my Grandchildren with my daughters assistance. 4-I waited for the bill but none arrived. I logged into my account on line to try to see what the balance was. My account balance said XXXX balance due. I was able to log into the account however at the time I did not realize it was the old account information, It appears that Red Card somehow combined the closed account with the new account, but did not update the site. Since it was a new card, I was not sure about closing dates and when I should expect a bill. 5- I finally received a paper bill in the mail that arrived after the due date. I called Red Card customer service and explained I did not receive a bill. I was concerned about my credit rating. The Red Card Customer service representative I spoke with assured me there was no issue if it was less than 30 days late. I paid the total amount due on the bill. 6- At this time thought everything was resolved. Little did I know they added a {$30.00} late fee to the account. 7 I am usually very diligent with paying my bills and maintaining a good credit rating. I am XXXX years old ; I never had any negative reports to my credit record, and my score was well over 800. When I was attempting to resolve these issues, I was having medical problems. I had a XXXX XXXX that would not clear up. It caused me to have a XXXX XXXX which caused problems functioning. ( I have XXXX XXXX ( XXXX XXXX and any XXXX causes me to have XXXX and XXXX XXXX XXXX ). At the same time, I had a XXXX XXXX granddaughter that was born with a XXXX XXXX XXXX that can cause XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. She was in and out of the hospital ; for tests/treatment. To add to the stress my XXXX-year-old granddaughter kept having her XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Additional stress, and again influences the XXXX and XXXX XXXX of the XXXX XXXX It has been a challenging few years. this just adds to the rough time we all are having. 8- During this crisis I received another bill with another late fee. I called Red Card customer service again to complain. I spoke to at least 4 different representatives with my concerns and said I want to close my account because these things keep happening. A supervisor reassured me it would be fine and explained all the benefits of keeping to account opened. She removed all the late fees. I was again reassured that it would not affect mt credit rating because it was not 30 days. 9- A few days later I received an email from My XXXX XXXX XXXX card credit monitoring I was enrolled in advising me that I had a negative comment on my credit. I knew it had to be from the Red Card because I had no other issues with any other accounts. 10. I called the Red Card Customer Service again. Initially the person that answered the phone assured me there was no issues. I was insisted that there must be. They checked the account and found the problem. They said they could not do anything about it and gave me the address to send a letter to. 11. I sent a letter on XX/XX/XXXX to Red Card services to try to resolve the issue. Their response was the information was correct that was provided to the credit bureaus. 12. There were no financial reasons why I could not pay the bill The late payment was impacted by my mental and physical problems ; I believe the main cause was : 1. Not receiving bills on time, or an email follow up message. 2. Adding the Late payment without notification 3. Giving me the wrong information on the numerous calls I made to Red Card Services. 4. An online account with confusing entries and misinformation. 5. Notifying credit burau as a bad depth for only fees.
Company Response:
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following hard inquiries were made for credit cards without my consent, presumably by identity theft : XX/XX/2023, XXXXXXXX XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NM
Zip: 87108
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I spoke with some one from Nordstrom XXXX XXXX XXXX letting them know I never authorized nay card to be open in my name I asked Nordstrom if they could verify that I had applied for this card that they are reporting they stated the card was opened on line with my information I did not open this card and this. Closed account reporting is fraudulent, I have also had the same issues with XXXX XXXX I never opened any Credit card through their company they to stated it was an online opened account! During the time I was staying will people while attending school my identity was used I never collected mail from this home I learned of these cards through credited reporting.
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account has been a charge off reporting monthly for years. It is now paid off completely and per NYS law, it must be deleted as it is over 5 years old. They are refusing to state in writing that it will be deleted and keep telling me to call.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD Auto Finance has acted in bad faith and has been unjustly enriched because of coercion and undue influence. They have failed to provide me any valid proof of indebtedness nor proof that they sent me ANY disclosures required by federal law. Your company is violating federal law by knowingly furnishing false credit information without clarifying the billing error. It is impossible to be late on an extension of credit. I DID NOT AND DO NOT consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and my Right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v Union of India 2017. The consumer credit transaction included a " finance charge '' which under federal law is the sum of all charges in a " credit sale ''. Box XXXX on their " agreement '' specifically says, " You don't have to pay the finance charge or other amounts that are more than the law allows. This provision prevails over all other parts of this contract and all other acts ". COMPLY WITH YOUR OWN AGREEMENT PROVISIONS. I want to know what law TD Auto Finance is operating under to coerce $ XXXX from me to get my property back that they stole from me when they said I don't have to pay the finance charge? Your company stole my property because of your omission of known facts, false and misleading representations made to me, furnishing false credit information, failure to provide me proper disclosures under the Truth In Lending Act regarding the financed sale, and collections of an extension of credit by extortionate means, constituting a pattern of racketeering activity between TD Auto Finance, XXXX XXXX, XXXX, XXXX, XXXX, and any other Consumer Reporting Agency you do business with. This is my explicit notice that I DO NOT want to and DO NOT AGREE TO pay the finance charge or any other amounts. This is my official disaffirmation of the unconsciousable contract they coerced me into. I do not consent to your collection of my extension of credit by extortionate means. This is my official notice of " rescission '' of the contract of adhesion since TD Auto Finance deprived me of the opportunity to rescind earlier with proper rescission forms. This is my official " opt out '' of having negative information reported to my consumer reports since TD Auto Finance deprived me of proper " opt out '' forms ''. Refer to attachment of TD 's response to my first CFPB complaint against them where XXXX includes a copy of the " agreement '' and refer to XXXX XXXX of their agreement where it clearly states that provision prevails over all other parts.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Summary = TD Bank is refusing to close my checking account and is holding all of my funds hostage without letting me withdraw, transfer, or XXXX my funds out. As per their procedures a written notarized request was sent almost a month ago and the account is still open and the funds have been held hostage for three months now without letting me access or transfer them. Detailed : I've been having issues with TD Bank since late 2022 as I wanted to transfer funds into my Roth IRA from my checking account. However, upon attempting to do this TD Bank blocked my ability to transfer money from bank account to any other external account and the online portal for the last three months has a persisting error message ( proofs attached ) which upon even endlessly calling TD Bank reps ( customer service, IT, call center manager, local branches ) remains unresolved as the reps keep transferring from one rep to another without actually helping the customer. Furthermore, my ability to XXXX money in and out of account is also locked and TD Bank is refusing to unlock if after repeated calls for months ( proof attached ). When I call the national customer service they tell me to call the local branch where account was opened and vice versa. They refuse to offer any legitimate help and keep re-routing calls. The local branch also tells me to call either national helpline, or tells me to come into the office in Pennsylvania which is difficult for me as I live in Texas. Majority of the times, no one at the local TD Bank branch even answers their phone during normal business hours and if by chance they do, they hang up mid call. I've even submitted a complain about them to TD Bank manager using national customer service but to no avail. The address of this branch is XXXX XXXX XXXX, XXXX, PA XXXX. The local branch rep once answered the phone and said I could close my account and they would send me a cashiers check for my funds in account if I got a notarized letter through XXXX and sent a written request. After making me jump through many hoops and even after I sent the written notarized letter on XX/XX/XXXX ( proof attached ) they still have not closed my account and are holding my funds hostage. I need my funds to pay rent and bills every month and now I am having to borrow from friends, family, and take on credit card debt because my money is being held hostage and I have no other way to meet my financial obligations. When I call national customer care, they tell me account with funds in it can not be closed however on TD Bank website itself it says written request is a legitimate way to close account ( proof attached ). I have also attached the most up to date balance from my checking account as I no longer trust TD Bank and want CFPB to also know the amount in case TD Bank causes me any further issues by sending me a wrong amount. I am just very frustrated and stressed after more than three months of back and forth without a resolution. Every TD customer care rep I speak with tells me something different but no one is helping me. This has cost me countless hours of time, stress, and financial issues.
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
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: XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX Attention Target Card Services/ TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX Attention XXXX XXXX XXXX XX/XX/XXXX Sent Certified Mail with Return receipt Copy to Skip XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX Ref : account # XXXX Ref : XXXX XXXX XXXX XXXX of 4 Charges of $ XXXX x 4 = {$1600.00} Crdit Dear Target Guests Service As Target Card Services / TD Bank USA As Your Costumer, I hereby Notify for a third time to act accordingly, Read My Words : I Will NOT Pay for the Charges Of $ XXXX from XXXX XXXX from Last XXXX XXXX XX/XX/XXXX for a total of {$810.00} reposted on my Account after I contested them already 3 times. I will NOT Pay any additional Interests that Target Card Services Has posted on my account related to {$810.00} XXXX XXXX. I canceled XXXX XXXX on XX/XX/XXXX. XXXX & XX/XX/XXXX are not due & will never pay for XXXX & XX/XX/XXXX after I canceled my XXXX XXXX XXXX If I had paid with my XXXX XXXX XXXX, issue would have been resolved long time ago, after my first contestation the 2 Charges Of $ XXXX would have been refunded! Target Card Services wants to get paid back, I strongly suggest You re-initiate 2 Retrieval Requests on those 2 Charges Of $ XXXX for {$810.00} total + all interests you have added That I Will NOT PAY FOR. Furthermore, since I discovered the XXXX XXXX scam as their services, I paid for never worked in XXXX & XX/XX/XXXX, I hereby demand that Target Card & Services reverse the charges of $ XXXX for XXXX & XX/XX/XXXX & Credit my account with an additional {$810.00} I sent you the Same Notice Below But You have Not Credited my account for 2 fraudulent Payments of $ XXXX from XXXX XXXX charged for XX/XX/XXXX & XX/XX/XXXX which had been already contested with Proofs provided to Target Card Services You also have added interests that should be void. As a reminder, in XX/XX/XXXX, I was prospected by Phone & I was victim of XXXX XXXX Insurance Scam, As I had signed up over the phone for XXXX XXXX XXXX XXXX Insurance in XX/XX/XXXX for $ XXXX Supposed to cover Doctors Visits with a Co-Pay of $ XXXX Prescriptions with a copay of $ XXXX & Hospital visits 100 % covered for My Son & $ XXXX CO pay for Myself & my XXXX XXXX In XXXX & XX/XX/XXXX, all our Family of XXXX got sick & had to use our XXXX XXXX XXXX with the listed network of Doctors, Pharmacies &. hospital, but none of the Listed doctors, pharmacies & hospital ever accepted our Health insurance card letting us know that they had others patients before with XXXX XXXX XXXX & XXXX Providers never got paid for by XXXX XXXX XXXX XXXX XXXX had to self Pay each doctor visit, pharmacy prescription & Emergency Hospital Visit for My Son. On XX/XX/XXXX, I called XXXX XXXX & left a message to the XXXX XXXX XXXX to cancel & I sent an email for Which I sent you copy as per Target requests to cancel my health depot coverage not working, in XXXX & XX/XX/XXXX, & was not supposed to be charged in XXXX & XX/XX/XXXX, after receiving my statements for XXXX & XX/XX/XXXX, my Target card still got charged $ XXXX twice. Proofs that it is XXXX XXXX XXXX is a Scam : XXXX, XXXX, XXXX, XXXX XXXX all 5 Listed in the Network have dropped XXXX XXXX insurance as they have failed to pay for previous bills for others patients. You have denied my request by Mistake. You really need to review again my request, upon the Consumer Protection Act & XXXX, XXXX, XXXX Regulations as a Credit Card Holder Costumer, I have the right to cancel & get full refund not only after I proved that I cancel a health Depot insurance monthly Suscription but also I am entitled to the refund for every month the XXXX XXXX XXXX XXXX I paid for did not render the services it promised. XXXX XXXX XXXX had failed to provide proof of my agreement & failed to prove their service & failed to show the reasons their service was denied in XXXX & XX/XX/XXXX & they failed to provide their Full Terms of Services for the XXXX XXXX XXXX XXXX & detailed coverage. Target Card Services /TD Bank has been unable to provide such proofs, Therefore, By this present letter, I hereby request that not only that You credit $ XXXX in XXXX & XX/XX/XXXX for $ XXXX = {$810.00} In Addition, I also hereby Request that you credit my account for XXXX XXXX Insurance Scam got XXXX XXXX XXXX XXXX XXXX XXXX As XXXX XXXX insurance never worked in their own network XXXX XXXX XXXX XX/XX/XXXX XXXX & 10 months ago. Total request refund is {$400.00} x 4 = {$1600.00} In addition I expect a credit of all interests & late fees you have charged to my account due to those {$810.00} charges I forward my Letter to My Attorney XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX FL XXXX XXXX ( XXXX ) XXXX Who will be representing Me in this Case. Looking forward to see the resolution I deserve upon the costumer Protection Act, & XXXX, XXXX, XXXX, XXXX Regulations, I will protect my Rights to the full extend of the Law. Govern Yourself Accordingly Best Regards XXXX XXXX
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 12 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this complaint against XXXX for Breach of Contract and False Credit Reporting. XXXX agreed that if I paid they would delete any and all references to an alleged collection account from my credit report within 30 days upon receiving payment. XXXX received payment by check per our agreement and drafted funds in the amount of {$520.00} out of my bank account which posted on XX/XX/XXXXXXXX XXXX XXXX ( Bank statement attached ). 150 ( ONE HUNDRED FIFTY ) days have passed since receipt of funds and the account XXXX HAS NOT been deleted from my credit files at the three major Credit Reporting Agencies XXXX XXXX, XXXX and XXXX ). However, the three Credit Reporting bureaus ( XXXX, XXXX and XXXX ) are all stating that recent reporting activity has been performed on this account, as recently as XX/XX/XXXXXXXX XXXX ( Credit Report attached ). On XX/XX/XXXX I wrote XXXX a demand letter sent certified mail since XXXX accepted payment but continues to report on my credit report despite our agreement. On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX received my demand letter. It appears Target has violated the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I have attached proof to this complaint. Enclosures : Settlement letter dated XX/XX/XXXX Copy of the settlement check # XXXX Bank statement showing draft on XX/XX/XXXX Copy of credit report showing recent activity. Demand letter dated XX/XX/XXXX sent to XXXX.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity has been stolen and it has been used to open account under my name like credit and collection as well.
Company Response:
State: MA
Zip: 01902
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A