Date Received: 2023-03-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Target card was closed by company and discharged in bankruptcy. The target company continues to place target on my credit report after being told by my atty through bankruptcy court it was resolved. They have continued posting it a an open active account although it was resolved in bankruptcy court back XXXX XXXX This matter has created Iireparable damage to my reputation and has created survive hardship. Im a XXXX XXXX veteran battling XXXX XXXX and would like to move forward for this obvious fraud on the part of Target by TD bank.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Account # XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Multiple unexplained charges. Delayed application of payments. Double billing. Erroneous towing reported to credit due their billing systems issues. Unresponsive and dilatory to requests to investigate problems. Billing processing ( i.e. submission, receipt, application ) does not include transaction/confirmation numbers with date/time stamps.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Identity theft cause me not to be able to open a bank accounts
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a TD bank checking account online over seven days ago. Had my payroll check for XXXX deposited into my account. Transferred {$370.00} into the new account also. Debit card did not come and I needed some cash so stopped into the TD bank on XXXX XXXX XXXX in XXXX Florida on Sunday XX/XX/ at approx XXXX eastern time. I had to wait over one hour to speak to a teller who informed me I could not take funds from the account and that I had two charge off accounts one for XXXX and one for {$1000.00}. The one for {$67.00} I knew about. My identity was stolen from the unemployment system a couple of years ago. TD bank has never made me aware of this {$1000.00} balance and because of prior identity theft I dont even know if this debt is mine. The teller told me the only way to resolve the account was to pay this in full otherwise my funds are on hold and owed to TD Bank. my car is supposed to go into the shop Tuesday. My air conditioner broke in my car and I have two diseases. I think it is unfair of TD bank to keep this {$1000.00} without my prior knowledge of this debt. I want this refunded to my checking account. My rent is due and this has put me in a terrible position and I am sitting here with extreme XXXX. I am reporting this to the company who owns TD Bank. Prior complaint # against TD Bank was XXXX I have been asked why I Bank with TD bank and it is because I truly like TD Bank and the convenience hours on weekends and low account rates but all for these 2 situations I come back to this bank because I truly think it is one of the best in the area. Thank you XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, XXXX reporting negative information on credit report. According to 15 U.S. Code 6802 ( B ) it's illegal to
Company Response:
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022, I mailed a letter to NORDSTROM/TD BANK requesting validation of a debt that they have reported to the credit bureaus : XXXX, XXXX, and XXXX. In this letter sent on XX/XX/2022, I also requested that NORDSTROM/TD BANKXX/XX/XXXXcease and desist communication with me. I mailed these documents certified mail and domestic return receipt ( see return receipt attached ). NORDSTROM/TD BANK received these documents on XX/XX/2022. To this date, I have not received validation of this debt AND the debt still remains on all XXXX of my credit reports. On XX/XX/2022, I mailed my FTC Identity Theft Report to all three credit bureaus : XXXX, XXXX, and XXXX. In XXXX, all three credit bureaus removed the account from my credit bureaus. But later that month, they inserted the NORDSTROM/TD BANK account back on my reports. I requested verification of the debt by the credit bureaus, but NONE of the bureaus responded with the verification of the debt and they simply stated that NORDSTROM/TD BANK have verified the account. I requested the documentation of the verification, but none could be provided. I am utterly uphauled at how NORDSTROM/TD BANK, XXXX, and XXXX have XXXX this matter. They are ruining my reputation by illegally reporting information to my credit bureaus. This illegal information have caused me much anguish and stress as I have struggled to buy a house for my family due to this inaccurate reporting of information. NORDSTROM/TD BANK has not reached out to mediate this situation. They do not see the urgency mediating this matter. They have violated my federally protected consumer rights and they believe that they can get away with this without consequence. NORDSTROM/TD BANK has XXXX ample time to resolve this issue and they have done NOTHING! I demand the immediate removal of this account from the XXXX major credit bureaus and all secondary credit reporting agencies for violating my federally protected consumer rights.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was made aware by mail that my TD Checkings Account, Savings Account, and Credit Card has been Closed. After visiting my local branch they were unable to tell me an appropriate reason as to why my account was closed.The reason I was provided was " Closed by demarketing Department ''. They told me to call their demarketing department and I have not heard back in a month.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: THIS IS NOT THE SAME REQUEST AS XXXX. This is NOT A DUPLICATE REQUEST. PLEASE READ IN ITS ENTIRETY to understand my complaint!!! I made a one time payment using the Yard Card credit card for {$400.00}. I immediately made a payment of {$400.00} and when I noticed that I owed an additional {$4.00} I sent a secondary payment of {$4.00}. The YARD CARD refused to accept and post my payment of {$4.00} and for the past 12 months have continued to add interest charges and late fee charges instead of processing my payment for XXXX. I have contacted Yard Card many times and requested them to process my payment of {$4.00} and investigate where my check for {$4.00} is located because it was never returned back to me so that means the company has the check AND THE CHECK WAS NEVER PROCESSED THROUGH MY BANK SO DO NOT SEND ME ANOTHER REPLY via CFPB AND ASK ME FOR A COPY OF A PROCESSED CHECK BECAUSE I TOLD YOU THE CHECK HAS NOT BEEN PROCESSED!!!!! The check was never processed through my bank!!! However, I mailed the payment to the same address that I mailed the {$400.00} payment to and it was received and processed through my bank. On several occasions over the past year I have reached out to your company and made them aware of this and as opposed to them corresponding to me, I only would receive a bill in the mail and not have them address my specific concerns the last person that I spoke to was agent ID XXXX and his name is XXXX. LOOK UP ALL OF HIS CALLS RESEARCH XXXX XXXX ID AND THE DATE I GAVE YOU TO LISTEN TO THAT CALL ON XX/XX/2023. He advised that he would email me on XX/XX/2023 and process the payment of {$4.00} and remove all interest charges. XXXX XXXX never emailed me and my attempts to resolve this matter and pay the {$4.00} a second time has falling on deaf ears yard card is acting on unfair business practices as opposed to them addressing my concern and processing my {$4.00} payment. They are continuing to delay by not responding directly to me by email regarding my request so that interest charges can continue to accrue each month I have made 18 attempts to resolve this issue in a years time and instead of them responding back to me they are continuing to mail me a new statement with increasing interest charges monthly. I advise the yard card on XX/XX/2023 that if they did not respond back to me by email as they had promised and process the payment for {$4.00}. I will be contacting the CFPB. I spoke with XXXX on a recorded line and advised him that I would request the CFPB and his superiors to pull that phone call and listen in totality to our communications, he has yet to follow up with me by email as promised or by mail as of this date XX/XX/2023. Please send this complaint to your executive team. Someone is replying to my CFPB complaints but not reading my complete report to understand what I am conveying and is giving me a form letter type response. I never said the second check was cashed so there is no way I could ever send you a copy of a processed check.
Company Response:
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: It started when i got XXXX for the FIRST time in the middle to end of XXXX. I was out of work for a month, and i could not leave the house. Fortunately, i had enough saved up to make all my payments on time. I returned to work and because of COVID 19, my company cut my pay 20 %. Then after a month of working at less salary then i was used to, i unforunately caught XXXX AGAIN. This time i was out of work for another month, both because i was sick and as precaution. This time i could NOT afford to pay all my bills when i was out. I fell behind on a lot of things but i was able to eventually catch up 5 months later and i have been on time and going strong ever since. I even got my original pay back. I was physically unable to pay on time and because of that, financially unable to do so too. I reached out to TD Bank, who owns the Target Card, and tried to beg with them to work with me, not on late payments, i paid them ALL OF THOSE, but on their credit reporting. They not only refused, they didnt even answer me. Those late pays in those months have destroyed my credit and even though i make good money now, i can not get into a house for me and my, now, 4 kids. We have been renting and are struggling all because of COVID and this company 's unwillingness to work with me even a little bit. I am not asking for " financial relief '', they can keep those late payments as good faith, i just am begging for all, or ANY, of the late payments between XXXX XXXX and XXXX of XXXX to be removed. I know the bureaus will report what they are told so this is up to TD Bank and they seem to just not care at all about customers or the family.
Company Response:
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Target failed to notify me when I missed my payment. I was unaware of a mess payment until it hit my credit report and they lowered my limit by {$2000.00} without notification. I have reached out to target several times and they refused to remove the negative remark on my credit for a 30 day late payment over XXXX dollars. They never made me aware that my account was delinquent and have refused to give me any assistance. I have also contacted them through the XXXX XXXX XXXX and was unable to resolve with them.
Company Response:
State: NC
Zip: 289XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A