Date Received: 2023-03-02
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: ( Translated from XXXX to English by a family member ) Account ending in XXXX. In XXXX of XXXX, I, XXXX XXXX, date of birth XX/XX/XXXX, went into Nordstrom Last chance located on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I am XXXX-only speaking and was assisted by a representative who did not speak XXXX. I understood I was applying for a credit card. I do also recall making two purchases. She rang up a hair clip for about {$1.00} or so, then rag up the rest of my items. Due to the language barrier, I was not sure why, but I thought this was a bit odd. A few months later, I received a collection call from Nordstrom, saying I have a late balance over {$2.00} or so. The entire time, I thought my purchases had been made using my debit card, I dont understand why they would have rang up a hair clip separate, so I thought that was strange. I have NEVER been late on any payments, and would never be late for a transaction under {$2.00}. When I was talking about this with my nephew, who works in the financial services industry, he asked me if I understood the representative who helped me, and I responded with the honest truth, no I did not. He was very concerned with the predatory practice and for the employee not getting a translator or having someone explain what was happening. When he helped me call Nordstrom, the phone representative explained that the store representative gets credit card sales credit for any purchase over one dollar. Clearly, the store employee is manipulating the system by running a transaction over a dollar for her own benefit, and not in the customers best interest. Now, due to a lack of understanding and lack of explanation, there was a purchase for less than {$2.00} that was run on this card that was not in my possession instead of my debit card. I had no reason why to separate my purchase into two purchases, but was manipulated by an employee to benefit her sales goal. Now due to this purchase for less than {$2.00}, it has created a 60 day late reporting to my credit and created so much damage to my score, hindering my home purchase. I really need for this to be corrected, as this was malicious and a predatory lending practice.
Company Response:
State: AZ
Zip: 85006
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: We received a Fraudulent e-mail which was imposing as an employee asking to Pay an Invoice. The money was wired on XXXX. We just realized it was a scam as the employee never requested the Invoice be paid, and the e-mail trail would not allow a reply to be sent. {$28000.00} was wired to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX email XXXX ( XXXX ) XXXX TD Bank XXXX : XXXX Account Number : XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am making a dispute against TD BANK USA/TARGET CREDI in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Company Response:
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is my third complaint on the same issue as the company keeps closing the case without responding or solving the matter. The previous complaint numbers are XXXX and XXXX. Your global security team ( XXXX XXXX ) gave me false information and is uninterested in resolving the issue. XXXX mentioned your bank talked to XXXX XXXX at the receiving bank to recall the fraudulent wire but such person does not exist in XXXX XXXX XXXX. I asked her to look into the matter further to get me the correct information but she was not willing. I requested her manager ( XXXX XXXX ) to call me back but I have not heard back since XX/XX/26. I still do not have the proof that your bank tried to recall the fraudulent wire with the right entity. Please provide me with 1 ) date and time when the fund was delivered, 2 ) the copy of swift recalls you sent out.
Company Response:
State: NY
Zip: 10010
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: MY NAME IS XXXX XXXX MY WIFE XXXX XXXX IS A TARGET CREDIT CARD HOLDER WHEN MY WIFE OPENED THIS ACCOUNT IN 2001 SHE PUT ME DOWN AS A REFERENCE AND TARGET PUT ME DOWN AS A CARD HOLDER WHICH IS PUTTING AN IMPACT ON MY CREDIT REPORT. I ASKED MY WIFE TO REMOVE ME FROM THE ACCOUNT AND SHE WAS TOLD THAT IF SHE REMOVED ME THEY WOULD HAVE TO CLOSE THE ACCOUNT WHICH WILL HAVE A NEGATIVE IMPACT ON HER CREDIT. I WAS CURIOUS AND CALLED THEM. I TOLD THEM COULD MY WIFE ADD ADDITIONAL CARD HOLDERS THEY SAID CERTAINLY!! WITHOUT CLOSING ACCT? THEY SAID YES SO I ASKED THEM. LET ME GET THIS RIGHT SO ITS OKAY TO ADD BUT NOT DELETE CARDHOLDERS!! THAT A CONFLICT OF INTEREST. THEY LOVE YOU WHEN YOU HAVE PLENTY OF CARDHOLDERS BUT WHEN TAKE THEM OFF THEY PUNISH YOU BY FORCING YOU TO CLOSE YOUR ACCT AND PUT A NEGATIVE IMPACT ON CREDIT SCORE. I CALL XXXX XXXX, XXXX, XXXX XXXX, XXXX. ETC, NO PROBLEM DELETING CARD HOLDERS AND LEAVING ACCT ACTIVE. I ASKED TARGET IF THIS RULE WAS IN THEIR TERMS AND CONDITIONS AND SUPERVISOR WAS UNABLE TO FIND IT. TARGET NEEDS TO BE INVESTIGATED FOR THEIR CONFLICT OF INTEREST AND UNFAIR PRACTICES
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a Credit Card company name " Target Card Services '' that is reporting a fraudulent account into my credit profile.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX/XXXX/XXXX my wallet was stolen from my locker while I was working out at the gym. The thief took my wallet to the XXXX down the street and charged all of my cards in my wallet several times for a total of {$100.00} for each transaction. He charged each credit card twice and each debit card once. I have no idea how he ran my debit cards as he clearly would not have my pin number, unless he ran it as credit and then fraudulently signed for it. He then went down XXXXhe street a little bit more and attempted to use my last debit card at a smoke shop multiple times for a transaction totaling {$40.00}. However, by this time I had realized my wallet was stolen and I locked my cards on the app. I also had an airtag in my wallet, so I knew the location of the thief. I called XXXX so that the police could come and arrest the person I suspected for stealing my wallet. When the police arrived, they informed me that they could go look around for my wallet but couldn't arrest or ask anyone for the wallet based on an airtag location alone, especially since the suspect was hanging out with a group of people. The police couldn't really do anything unless they had better probable cause for one person. So I was left to report all of my cards as stolen, get a new airtag, new wallet, new drivers license, new transit card, new everything. I reported the cards as stolen within one business day of the theft. When I reported these transactions as fraud, all of my banks investigated it and informed me that according to their investigation, the transactions were in fact fraudulent. They they covered the cost of the false charges. Out of all of my banks, however, TD bank was the only one to say this transaction at XXXX was not fake on the grounds that " the card was not used again after this transaction ''. When I called to dispute their investigation, I asked them if they had any documents or anything showing that they did their due diligence in investigating the issue. They were unable to provide any evidence that they did in fact investigate my claim. I reopened the fraud claim and a few weeks later they denied it again stating that I " benefited from the transaction ''. I find it curious that just one of the banks I use found my fraud claim to be untruthful. I am submitting the evidence that I have as part of this complaint.
Company Response:
State: MA
Zip: 02138
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Hello I am submitting this complaint because of a mistake that caused my credit score to drop for a reason that is not my fault at all. The Loan was 60 months long, which was all on autopay. And on the last month that it was supposed to take the money out to fully pay off the loan, the company failed to take the money with the autopay and I also did not get any notifications or emails about it. Now it is a late payment on my credit report and I am not the one at fault. The loan company failed to take the autopay. I also contacted my bank on which the autopay was under, and when I spoke to them they mentioned that no one even tried to take money out of my checking account on the date of the payment. I contacted the loan company and they told me to contact my bank about these inquiries. It is a very mistake which is not owned up by the loan company, which also caused my credit score to drop down horribly. Please fix this mistake because I should not be charged with a late payment on my credit score because the loan company was not consistent enough to check on their autopay or give me any notifications that I have not paid. The last payment was only XXXX dollars, do you think I would ever not pay the last XXXX dollars for the loan, it is literally the last payment for the vehicle. The whole loan consisted of XXXX dollars. Why would anyone with the right mind just not want to pay for the last payment on the loan. It is a problem that needs to be fixed from the loan company, and should not be ignored at all.
Company Response:
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a recent graduate of university and was looking for my first entry level job. On XX/XX/XXXX, I received this job offer for a data entry position from someone calling themselves " XXXX XXXX '' from " XXXX XXXX XXXX '' that would let me work remotely and use equipment purchased by the company that had agreed to hire me. After a chat interview on XXXX I was told I was being given the job. I was told to wait for a check in the mail and to deposit it when it arrived. The check I received was for {$4900.00} and arrived on XX/XX/XXXX. On XX/XX/XXXX, I deposited the check. After being told to " wait for the check to clear after a day '' I was then to send XXXX XXXX payments On XX/XX/XXXX, to a person named XXXX XXXX whose XXXX email is XXXX. After that I was asked to withdraw {$2400.00} and send {$1100.00} of that via XXXX and the rest he requested be sent through XXXX. After asking me to deal in XXXX I immediately suspected fraud and searched online for answers. I was able to learn about this scam and stopped replying to the fraudster within the same day. I also immediately tried to stop the XXXX XXXX payments to no success. But I was able to stop the XXXX ( {$1100.00} ) to XXXX XXXX, from XXXX XXXX, Georgia XXXX. I was also NOT able to stop the XXXX ( {$1000.00} ) I had sent to XXXX XXXX whose XXXX email is XXXX. The entire time I believed I was only using the company 's funds for equipment, until I learned the check could still bounce and stopped contacting the individual through Zoom chat. I am a student and had very little money to begin with. I lost everything I had and the banks ( TD BankXXXX XXXX XXXX nothing to help me.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I have a trust account with TD Bank. I requested services for the start up of a business from a company called XXXX XXXX XXXXXXXX. The payment method for each document was paid through XXXX XXXX. The documents was not drafted correctly on numerous occasions. I called to try to resolve this issue with the vendor. I didn't get far at all ; so I reached out to my financial institution. I was provided a provisional credit. Then I was told the decision was made to deny the credit, and the funds would be reversed. The reasoning was I authorized the payment. Each payment I make with my debit card is authorized ; so that's not a valid reason. I called to appeal the decision and was told it's no appeal process. The Provisional credit was just redone. TD Bank just postponed the funds to be taken out on a later date. I have provided TD bank with the documents drafted for me with other people name on them, A text thread from the vendor expressing his negligence with my paperwork, I have sent a XXXX filing statement that was drafted incorrectly etc. My claim was still denied. As a depositor with TD bank I hold a irrevocable trust that is insured up to {$250000.00}.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A