Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: please note XXXX XXXX XXXXXXXX and TD Bank reported a 30 day late on my credit. This is a mistake and should be corrected. I was deployed overseas when the late was incurred due to a baking error. Please see attached notorized letter and my US army credentials.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
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: Target RedCard denied a chargeback dispute without contacting the customer for additional details or sharing written notification of their decision upon the completion of their investigation. After a return purchase* ( sale value {$240.00} ) got lost in the mail due to the merchant ( Target.com ) providing incorrect postal information, ** the customer contacted Target RedCard ( the card used for the transaction ) to open a dispute. After explaining the situation ( i.e., that the item destination was not input correctly by the merchant and that delivery was at risk due to no fault of the customer ) and providing details over the phone, the customer was not asked anything further during the investigation- nor was the customer allowed to provide any physical proof of the incorrect postal label ( which included details that did not match the physical address of then return facility indicated by Target.com ) to corroborate their claim. The dispute claim was closed without notifying the customer and reasoning for claim denial was not shared. Customer suspects that proper due diligence is being ignored in favor of the merchant - and at the risk of customers. At minimum, customer would like a chargeback to be issued USD {$240.00} ( the purchase price of the defective item ), and for the dispute to be reopened and properly investigated by Target RedCard as, in this instance, the merchant ( Target.com ) is at fault for any delay or issues with the return shipment. *** Customer would also like notification, in writing, why their claim was originally denied. *Note : The reason for the return in the first place was that the item arrived damaged from Target.com . **Note : The postal code on the attached label ( XXXX ) does not match the physical zip code for the XXXX XXXX XXXX in XXXX , Indiana . The correct zip code for that physical address in XXXX, Indiana is XXXX. ***Additional Info : Per Target.coms policies, only Target.com can create return labels forcing customers to rely on their XXXX XXXX staff to input accurate information. Customers have no recourse to recoup losses if incorrect information is input as they can not file Merchant Returns claims directly with carriers.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Td bank has repeatedly called my cell phone today and yesterday while I was at work. Td bank called me from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXesterday they called at XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has caused disruption for me while I'm working. When I spoke to the bank today and advised of the excessive calling, the rep and I quote stated " the calls will keep coming '' this is a violation of the fdcpa, cfbp, and ftc. I am work and its harassment.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: On XXXX i sent this company a notice to opt of out any and ALL authorization i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Company Response:
State: MI
Zip: 48331
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Also, this charge-off account shows a {$580.00} balance. The balance should not be reported after it was a charge-off. This is clearly a violation according to FCRA XXXX on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Retail Card Services via XXXX XXXX, I am writing today to address persistent issues with my account and formally dispute any late charges or fees that have been applied to it. Additionally, I would like to dispute any negative information that may have been reported to credit bureaus. Firstly, I want to emphasize my commitment to making timely payments on my account. Each month, I have been diligent about contacting TD Card Services by phone because I have encountered difficulties accessing my account online. Your records will show that I have made these requests regularly, always with the intention of ensuring my payments are submitted in a timely fashion. On XX/XX/2023, I encountered yet another issue when I attempted to log in using my XXXX XXXX ' at XXXX : XXXX, receiving a message stating, " For security purposes, we've paused your login access. Contact us at XXXX for assistance. '' Eventually, it was fixed, but at the time, it was inaccessible. Also, on XX/XX/XXXX, at XXXXXXXX XXXX, I reached out to TD Card Services, initially speaking with XXXX, Rep ID XXXX, who transferred me to your customer service department. Subsequently, my conversation with XXXX, Rep ID XXXX, then transferred me to the payments department, where I spoke with XXXX, Rep ID XXXX, who regrettably disconnected the call. It's worth noting that I fully understand that these calls are recorded and can be accessed upon request. I made additional attempts to contact TD Card Services at XXXXXXXX XXXX and XXXXXXXX XXXX, and unfortunately, the automated system disconnected my calls both times. On my fourth try at XXXXXXXX XXXX, I was finally able to speak with XXXX, ID : XXXX. XXXX informed me that there had been no updates regarding the dispute for account XXXX XXXX XXXX XXXX as of XX/XX/2023, stating that TD Card Services had sent the dispute for review on XX/XX/2023. On XX/XX/2023, at XXXXXXXX XXXX, I spoke with XXXX, REP ID : XXXX, who told me that Account XXXX was handling my account and that she had no further information in her department, Customer Service. I was told I was being transferred to the correct department, and after a short hold, the call was disconnected. Going back to XX/XX/2023, at XXXXXXXX XXXX, I reached out to TD Card Services and engaged in a conversation with XXXX for 26 minutes and 13 seconds. During this discussion, I provided XXXX with extensive details regarding the ongoing issue of being unable to make payments either online or by phone. Later that same day, at XXXXXXXX XXXX, XXXX 's manager, XXXX, called me, and our conversation extended for 14 minutes and 31 seconds. Our dialogue went into great depth regarding the recurring concern and issue. XXXX indicated that the root cause of the payment issues was an error in my bank account information, which had been inaccurately input since the creation of my account. It's important to note that I have never made any changes to my account details, including banking information, since its creation. The account numbers had errors of up to four digits, raising questions about who was responsible for these inaccuracies, whether it be XXXX or TD Card Services. It's perplexing why I was allowed to create an account and finance over {$2000.00} worth of merchandise if the initial information was incorrect. Furthermore, despite my monthly calls to make payments, it's surprising that the incorrect account information was not detected and communicated earlier. Upon logging into my online portal on XX/XX/2023, at XXXXXXXX XXXX, each of the five messages that I had written was met with the resolution : " Thank you for your recent inquiry. Please contact our Account Services Department at XXXX for further assistance. Representatives are available to assist you. Customer Service Department. '' On XX/XX/2023, I received a follow-up message on the online portal provided by TD Card Services ( XXXX XXXX XXXX ) stating : " Thank you for your recent inquiry. A dispute form is available online at XXXXXXXX. Please fill it out and send it to TD Card Services- Customer Service, XXXX XXXX XXXX, XXXX, SC XXXX, or by fax at XXXX, Attention : Customer Service. If you have additional questions or concerns, please contact the Account Service Department at XXXX. Representatives are available to assist you. Customer Service Department. '' It should be noted that I have already mailed, emailed, and submitted through the online portal a formal dispute many times in an effort to expedite results. I immediatley contacted TD Card Services at XXXX and spoke with representative XXXX XXXX, who stated she had no REP ID. After stating my formal dispute on a recorded line, she disconnected the line after 12 minutes and 44 seconds. On XX/XX/2023 I contatced TD Card Services yet again to try to recify this issue. XXXX ID XXXX, passed me off to XXXX XXXX, with no prior knowledge oif my account. There has been no reposne from TD Card Services for over a 30 day perioopd except tthat they maileed yet anopterh dispute form, depsitew me already filling oiut and mailing said form. Given these circumstances, I would like to reiterate my formal dispute of all late charges, return fees, and any other charges on my account. I kindly request a thorough investigation into this matter and a resolution to rectify these issues. It's crucial to correct my account and promptly amend any negative credit bureau reporting resulting from this situation. I anticipate your prompt response and a resolution to this dispute. If you need any additional information or documentation from me, please do not hesitate to contact me using the provided contact information. Thank you for your attention to this matter. XXXX XXXX
Company Response:
State: OR
Zip: 97230
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Consumer Financial Protection Bureau Administrator, I am writing today with a grievance against the TD Bank ( RENOVATE ) with whom I have had a retail credit account since last XXXX. This account was open on XX/XX/23 on my behalf by XXXX XXXX in XXXXXXXX XXXX when I purchased XXXX items of furniture from their store. I chose to finance my purchase, which amounted to a total of {$1900.00} including the store 's delivery fee. The sales ' agent at the store ( his name is XXXX XXXX took my personal information ( address and contact information and did a credit check ) and said that TD Bank approved me for a line of credit of {$10.00}, XXXX. My credit score at that point was good XXXX ( XXXX ), since I have consistently been paying for my credit bills and have never fallen behind on my payments. The sales ' agent at XXXX XXXX informed me that I would be receiving my first bill from the bank in about 60 days. I was not given any bank information by the store, saying that TD bank would be mailing me my first bill. I did not receive the first ( XXXX ) bill, nor the second ( XXXX ) bill. TD Bank ( RENOVATE ) never reached out to me by phone until XX/XX/23 when a TD Bank customer service agent called me. She explained that I was late on my XX/XX/23 and my XX/XX/23 payments and that I was charged a fee of {$29.00}. I explained that I never received a bill from TD Bank ( RENOVATE ), and at that point, I asked her to verify my address with TD Bank. The customer service agent found that they ( TD bank ) HAD ENTERED MY ADDRESS WRONG WHEN THEY RECEIVED MY INFORMATION FROM XXXX XXXX. They never input my apartment number in their system, which I corrected with her on the spot. She apologized and STILL charged me {$29.00} late fee even though the mistake was THE BANKS, NOT MINE. I wanted to make sure this didnt affect my credit score, so I paid over the phone both the XXXX ( {$56.00} ) and XXXX due balance ( {$56.00} ) in addition to the unjustly imposed late fee of {$29.00}, which came up to {$140.00}. I also asked her how I could access the online portal of TD Bank ( RENOVATE ) so that I could set up an automatic payment account online and never miss a payment. On XX/XX/23, I accessed my online TD Bank account, and I saw that an amount of {$230.00} was due. I was still navigating my online account, and I did not understand what was the amount exactly for. Not wanting to have any issues with my payments and my credit score, I went ahead and paid for it online anyway. I also set up an automatic payment account for the monthly amount of {$96.00}. On XXXX, and to my shock, my XXXX credit score went down by XXXX points because TD Bank had reported that I had missed my XXXX and XXXX payments ( THEY ARE RESPONSIBLE FOR MAKING THE MISTAKE IN MY ADDRESS AND I HAVE PROOF ). After minutely checking their bills on my account ( now that I noticed their negligence and unjustly-incurred fees ) I found out that the {$230.00} that I paid on XX/XX/23 was charged for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments ( {$56.00} XXXX months= {$160.00} + {$69.00} late fee when only XXXX should have been charged. These were incurred and charged to me despite the fact that I had already paid on XX/XX/23 for both XXXX and XXXX over the phone. How the customer service agent whom I paid on XX/XX/23 for both XXXX and XXXX did not update my account on their system is beyond me!! I called TD Bank about their mistake in reporting me to the Credit Bureau as delinquent in my payment, and I spoke to a supervisor named XXXX ( ID # XXXX ) who refused to give me his last name, and who insisted that the bank can not do anything once it sends information to the Credit Bureau and that the mistake in the address was not theirs, but the store 's ( XXXX XXXX ). This so-called XXXX XXXX XXXX denied TD Bank 's ( RENOVATE ) responsibility in entering my address wrong, in charging me unfairly, and in causing my credit score to dip by XXXX points. After hearing TD Banks denial for making a mistake in my address, I went to XXXX XXXX and checked my address in their system. I spoke to XXXX, the same person who sold me the furniture and signed me up with TD Bank. It turned out XXXX XXXX has always had the correct address and that the mistake WAS TD BANKS, NOT THE STORE. I am a single mother, and I just completed my XXXX XXXX. I have a huge educational loan to take care of and many financial responsibilities, and TD Bank ripped me off and ruined my credit score. TD Bank caused me a lot of stress and wasted my time, researching, calculating, driving back and forth to XXXX XXXX to look for the agent who sold me the furniture. This was totally unnecessary. Below I am including the name and the contact information for both TD Bank and XXXX XXXX. I am also attaching documentation to prove my claims. The documents I am attaching are : 1. XXXX Credit Report and Credit Score 2.XXXX Bank online statements ( circled the address before and after it was corrected/missing the apartment number ) and the unjustly incurred fees and their chaotic system in charging me for months that had been already paid. 3. XXXX XXXX invoice with my correct address ( they delivered to me to the same address ). XXXX XXXX ( store who sold me furniture items ) Manager and Sales agent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ph : ( XXXX ) XXXX TD Bank ( DBA : renovate ) Supervisor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Ph : ( XXXX ) XXXX
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was recently notified by XXXX Bank that I was the victim of identity theft told to the bank specislist upon opening my account. The bad actor somehow gains my debit card number and CVV code every time as expected. Safeguards are being instituted at all institutions I bank with to stop the fraud proactively. Most of my money was transferred, then used for illicit purposes while with TD Bank.
Company Response:
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a company's investigation into an existing issue
Subissue: Was not notified of investigation status or results
Consumer Complaint: we have a charter program and we are scheduled to fly XXXXXXXX XXXX XXXX. We send the deposit to them and they should revert us all documents needed for the flight. However until now do flight was confirmed and we have asked refund to them. The 2 entity don't send any refund to us until now and they can't even provide any proof of flight. We settled total amount of {>= $1,000,000} last XX/XX/XXXX. We want Full refund of the total amount from their account.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Birthdate : XX/XX/1994 FTC Report Number : XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that TD AUTO FINANCE conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that TD AUTO FINANCE will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A