Date Received: 2023-03-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Someone has opened a target credit card in my name using my social security number and charged XXXX $ on the credit card in my name.
Company Response:
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I spoke with a representative today, XXXX, with Target Credit Card Services. I'm in a financial hardship plan and she advised that Target is unable to forgive any late payment history on my credit report, even if I send a letter to the corporate office. This is not a decision this representative was able to make and advised me of inaccurate information. I was transferred to a supervisor and was advised the same thing. Under the CARES Act and me being on a hardship plan, I demand the late payment be removed from my credit.
Company Response:
State: IL
Zip: 60174
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: ( XXXX ) Check Account # XXXX Check issue date : XX/XX/2023 Check # XXXX Check amount {$8000.00} I deposit this check into my TD bank # XXXX on XX/XX/2023 This is a cashier check for the remaining funds for the account ending # XXXX even though the check is payable to someone else name ( my aunt ) but we have already updated and filed a document for the account beneficiary 100 % under my name. We have contacted the issuing bank and letting discover bank knows thats this check have already deposited under my Td bank and they are aware of that so theres shouldnt have any problems or issues for me depositing this check
Company Response:
State: NY
Zip: 11356
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: TD AUTO FINANCE LLC is currently attempting tax fraud by continuing to attempt to collect a debt that was charged off in XX/XX/2023 and company filed a XXXX c on this debt. This company also violated my FCRA rights again according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have emails as well as several disputes on credit files letting them know the information was inaccurate and they still continue to report inaccurate information which is illegal by law. Below you will find proof of the inaccuracies such as Missing data which theyre in violation of the FCRA and also updating the same inaccuracies after being notified by credit bureaus.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter from Target on Saturday XX/XX/2023. It explained that my application for a credit card was declined " because we couldn't confirm some required information. '' We can reconsider our decision if you provide the necessary information. I called the XXXX number on the letter and explained that I never applied for the credit card. The representative asked me for the Application ID which I gave her. She read the last four digits of a phone number that was not mine along with a bogus email address. She then gave me the last 4 numbers of a drivers license which did match my license. She the proceeded to explain that they would file a fraud report and that I should do the same.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I opened a TD Bank credit card account on the premise that, as a promotional offer, I would enjoy a 0 % APR on purchases for the first 15 billing cycles. To my surprise, TD Bank charged me interest expenses on my outstanding balance as of the second billing cycle. I called cusotmer service to understand the interest expenses charged to my account, and the customer representative told me that the promotional offer include a 0 % APR on balance transfers. However, the APR on purchases is 24 % .I received the promotion via regular mail, so I am not being able to show definitive proof of TD Bank 's fraudalent practices. Followign my conversation with the customer representative at TD Bannk, it seems that TD Bank is trying to attract customers by saliently promoting a 0 % APR, without being explicit about the fact that the promo does not apply to regular purchases. I recommend the CFPB to require financial institutions to more saliently detail their APR promos.
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I never received statements for purchases. I was denied credit, and discovered that there was inaccurate information from Nordstrom 's and TD Bank on my credit report as a result of these statements which I did not receive. I would have happily paid for these purchases promptly had I received statements. Six months later, they are now asking for nearly DOUBLE the amount after late fees and interest. This is predatory and illegal. I never received any mail or calls or emails or texts about this, although wouldn't you know it, I have received plenty of advertisements. I made sure that I am NOT signed up for paperless, for exactly this reason. I called the company today and wanted to pay for these purchases if they would just fix the inaccuracies on the credit report and remove the illegitimate fees. They refused and said that their records indicate the statements were mailed. I never received these statements. I did move XXXX months ago, but I should have received several statements prior to this change. I confirmed that the address that they had on file on that time and the new address are correct. The reps I spoke with stated that they are not allowed to call people in Maryland ; I have never heard of this before, it does not make any sense, I would prefer a phone call or text, and I have had no problem receiving calls from other financial companies. After XXXX minutes on the phone with XXXX different people, XXXX refused to allow me to speak to a supervisor or provide contact information. I just want to pay for the original purchase amount, ASAP, after receiving an apology and a guarantee that this inaccurate information on my credit report will be corrected promptly and that these illegitimate fees and interest are deleted. Why is that so hard?
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To whom this may concern, I am writing this letter as a long time TD Bank Customer. I believe my first account was opened up with the assistance of my parents as a young teenager and I have been banking with them ever since. I have held both a Personal Savings Account as well as a Personal Checking Account and for the last 5 years have held a TD Bank Credit Card as well. On XX/XX/2023 I noticed there were unauthorized purchases made using my TD Bank Credit Card. There were multiple unauthorized purchases made using my card. I immediately called TD Bank Card Services to report this. I was told these unauthorized purchases would be taken care of. During that conversation on XX/XX/2023 the current credit card I had was cancelled and I was told I would be issued a new card and that it would arrive in approximately 7-14 days. On XX/XX/2023 I noticed that my auto-payment that I had set to pay my monthly balance on the card did not go through so therefore I received late fees and interest charges. On that date I also noticed two other unauthorized purchases. I called TD Card Services again to report these new finding and concerns. And again I was told this would be taken care of. After my initial two phone calls I placed one more call on XX/XX/2023 to follow up as I did not see the late fees or interest charges removed from my card. And again I was told that it would be taken care of and that it would be reflected in my account within the next 2 business days. Fast forward to XX/XX/2023 I receive a letter in the mail stating my TD Bank Credit Card account has been put into collections. I call the phone number listed on this letter and am explained that I have not been issued a new credit card and will not be issued a new credit card due to being placed in collections. No one could explain why my account was placed in collections and they were requesting a {$6.00} FEE to remove my account from collections. They were unable to explain the fees or outstanding balance. It is now XX/XX/2023 and this situation is still not resolved. I have made five total phone calls and two in person visits to a TD Bank Branch. There are still two unauthorized purchases on my account that are listed in my monthly statement. At this point, I believe that TD Bank has not acted in accordance with Regulation EI have continually been told that these items will be taken care of and they have not been. I have not received any formal response from TD Bank regarding these disputed transactions, either approving or denying my claim of Unauthorized charged as described under Regulation E. I am a patient and understanding person but this is an extremely inconvenient situation that is having a negative impact on my daily life along with my good standing credit. I have decided after nearly XXXX decades as a TD Bank Customer, I will no longer be banking with them.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Briefly, I ordered a XXXX ride on XX/XX/XXXX. The XXXX driver billed me for {$570.00} for a trip totaling less than one mile. When I received the XXXX receipt several days after the trip, I disputed the amount immediately. I contacted TD Bank and explained the issue. This issue has been going on for more then four months. I have spoken to XXXX TD Representatives and have received varying responses. My last communication with a TD Representative who advised that they have NOT received any communications from me, despite the fact the the other XXXX representatives I spoke to advised the opposite. I HAVE all the correspondence submitted to TD Bank replete with transmission receipt. The date of my last communication with a TD representative was on XX/XX/XXXX with a XXXX named XXXX. During a conversation with your representative, I realized that the XXXX driver charged the wrong address. In addition, I took the same trip on XX/XX/XXXX to the same place, and for the same reason and was billed {$27.00}. Please help me get the return of my money. Thank You. XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I experience identity theft in XXXX, 2022 and was forced to close my current checking account and open a new one. On XX/XX/XXXX, I went into Targets Redcard website to update my checking account number auto-pay but their third-party vendor, XXXX, would not validate my new checking account. I called Targets customer service, which was answered by their offshore team, and they were not able to help. Over the next two weeks, I tried multiple times to update the Target credit card auto-pay website and it continued to get rejected. I finally received checks for my new account and paid the amount of my XXXX statement Target card in XXXX. When I asked Target to credit the late fees and interest ( on multiple occassions ), they would only offer to forgive some, not all, of the fees and interest. Based on principle, I dont think i should pay any late fee or interest because it was Targets third-party vendor ( and, identity theft ) that caused the delay in paying the XXXX statement. Ironically, they did accept my check that was written off of the new account. Target is unempathetic that my identity was stolen or that their third-party vendor caused the delay in payment. Out of principle, I just cant bring myself paying any of the late fees or interest that werent my doing. Meanwhile, Target is using its size and deep pockets to ruin my credit rating and extract fees and interest through a practice of denying consumers the use of their checking accounts to pay automatically through their website. One important note : Ive paid all of the charges that were associated with purchases and made them at the earliest time possible given the identity theft and establishment of the new checking account.
Company Response:
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A