Date Received: 2023-02-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XXXX, my wife and I attempted to purchase a car with XXXX XXXX. The car was not on the lot so we were instructed by the sales rep at the dealership to complete an online ordering process with another location for vehicle transfer, but first had to do a hard credit pull and deposit to lock it in. I resisted the credit pull until the car was on the lot, but they ensured me this was their process and we could lock in financing within a week or two. We completed a hard credit pull for an auto financing loan with TD Auto Finance on XXXX. After several weeks of silence, lack of follow-ups, and vague answers from the sales rep we realized the dealership misled us to believe a car was identified and didn't actually have a car in their inventory. In XX/XX/2023, we were notified the car we intended to buy in XXXX came on the lot ( the VIN number indicates it was from the factory ). Without my knowledge or consent they submitted a deal with TD auto finance again which required the bank to pull my credit a second time, it was blocked as my credit reports are typically frozen. I called XXXX XXXX and voiced my concern and frustration, stated I would like the original credit pull reversed and they instructed me they can not do anything and to contact TD auto finance to dispute the credit report. I called the bank and they informed me they can not discuss credit disputes over the phone.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2023 - XXXX documented a " HARD INQUIRY '' from : " NORDSTROM/TD BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' XX/XX/2023 thru XX/XX/2023 - My PHONE, EMAIL, FINANCIAL INSTITUTIONS '' ( 3 ) were compromised resulting loss of cell phone use. XXXX bank froze my account due to suspicious attempts for a credit card, XXXX XXXX recv 'd 5 credit card charges, on 2 different credit cards, each charge was approx {$4800.00} and totaling approx {$25000.00} ). The charger 's ID is : " XXXX XXXX # XXXX XXXXXXXX XXXX '' on bank statement. On XX/XX/2023 I am a cosigner for my sister at XXXX XXXXXXXX XXXX, and her debit card was charged approx {$4800.00}. Specifically, there were charges for {$4600.00} and {$4800.00} ). My brother and sister are on my XXXX XXXX phone plan, and we are all receiving security codes ( approx 20 as of today ) whenever fraudster attempts to access our phone account and XXXX XXXX sends a verification code. Actions taken : I have ordered new phone and sim card from XXXX XXXX, I have replaced XXXX XXXX XXXX, I canceled all credit/debit cards and requested new ones, and changed all checking/savings accounts numbers, and filed claims on the credit card charges. I have changed all passwords, pins, security questions. I have requested credit report, placed a freeze/fraud alert on XXXX, XXXX and XXXX. NOTE : Only XXXX showed the Hard Inquiry from Nordstrom! I contacted NORDSTROM TD BANK, and they said a credit card application had been filed and approved, and their fraud dept would be notified. NOTE : When XXXX canceled my existing card and reissued a new one, they sent the card information to me via a secure email, and within hours, the new card had fraudulent charges on it ... which is how I knew my email had been compromised.
Company Response:
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have had an hard inquiry on my credit account that I did not have nothing to do with. That company is Target FIN/TD-PRVTE LABL ( retailer )
Company Response:
State: NE
Zip: 693XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We initiated a transaction on {$160.00} from our XXXX account on XX/XX/XXXX to pay our Target credit card bill. XXXX shows our account being charged {$160.00} on XX/XX/XXXX. Target originally told me on the phone that the payment was not received until XX/XX/XXXX ( 13 days after initiation ) and as a result charged us a {$30.00} late fee and {$5.00} interest fee. Subsequently, and as written on the statement, Target told me that it was received XX/XX/XXXX, which was nonetheless after the original XX/XX/XXXX due date. We contacted Target who agreed to waive the {$30.00} late fee but they then escalated us to a manager before finally agreeing to refund the {$5.00} of interest. XXXX informs me that Target does not accept electronic payments, so a paper check is the only way their bill pay will work. XXXX says this bill pay takes 5 business days, while electronic would have cleared in just 1-2 days. XXXX customer service told me that the check was cashed by Target on XX/XX/XXXX. Someone is apparently lying here. Neither XXXX nor Target is interested in investigating this discrepancy. I am frustrated with XXXX who charged me fees for a digital payment supposedly being just a day or two late while refusing to accept digital bill pay. While they did eventually agree to waive the {$30.00} late fee and {$5.00} interest fee, I accrued another {$7.00} of interest in the next month due to the confusion, which they have refused to waive. Target tried to get me to set up autopay with them in order to resolve this type of issue going forward, but it seems unreasonable that a consumer can't rely on a big-4 bank to make electronic payments that clear within 13 calendar days.
Company Response:
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
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: I have repeatedly tried to get this account and inquiries deleted and XXXX has refused to do a proper investigation or pay me for continued violations per FCRA. I have submitted an identity theft report as well as documentation from the company. I have asked asked for validation of debt and I've yet to be provided anything. Target has continued to reage this account as they have admitted to in documentation provided. I have asked for proof and they have failed to provide any as I have provided documentation to these facts. I'm entitled to {$1000.00} per violation as I have been disputing this for over 18 months per CFPB and XXXX has failed to correct the problem yet has allowed Target to damage my credit. I have disputed the inquiries and I have submitted proof and they have failed to delete them despite the documentation provided. I'm entitled to {$8000.00} for the continued violations. Deleting the accounts and inquiries doesn't obsolete XXXX of the past violations and they must be held accountable. My complaint should be forwarded to the FTC as XXXX and Target are both liable and continue to violate the law. The account that should be deleted is Target as they have continued to reage this account, the payment history, date of last payment, first delinquency, the account doesn't belong to me. The inquiries are XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Unable to open an Business Account In the branch they tell me that I can not open business account because I have pending amount due but I do not have debts with TD Bank and if there is any debt it must be the product of an account opened fraudulently and the issuie and problems are at the branch in XXXX XXXX XXXX XXXX XXXX FL XXXX They don't want to attend to me and they decriminate me. I do not have negative situations in my consumer report from XXXX XXXX with TD Bank The bankers of that branch are those that are harming me and discriminating.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Please call, not enough space for all details. I went inside to make a deposit ; however, due to the tremendous amount of people waiting, I went to the atm inside the lobby. The ATM kept {$1100.00} cash along with my debit card. XXXX XXXX the branch manager XXXX ID # XXXX did absolutely nothing to assist. He gave misleading information and allowed XXXX to process a {$100.00} deposit which led to me having to call the XXXX # for assistance. He stated their electrical system was down, yet he was able to return my card and other customers were able to make transactions immediately afterwards. After requesting his direct supervisor contact information he originally stated he doesnt not report to anyone then provided a supervisor in their marketing department. My concern was for missing cash deposit not marketing. XXXX XXXX XXXX is the number he gave and that rings a few times before disconnecting. I emailed both XXXX and XXXX and have not received a response.
Company Response:
State: RI
Zip: 02908
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: there are several late payments showing on my account innacuratly during the COVID protection period.
Company Response:
State: CA
Zip: 92832
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I sent a wire transfer to a XXXX in XXXX. We waited for 15 days but the transfer wasn't going through without any explanations from the bank as to why. Now, as of two days to this date, my wife and I noticed on our bank account that the majority of money was returned to us but now its short {$3900.00} This is unacceptable and a baking institution of this magnitude should be be able to facilitate this matter not complicate and steal our rightful money. We expect the difference to be returned ASAP or else this will be a legal matter were the amount in question will turn significantly more. I suggest TD bank does its job how its supposed to so we can all keep on going with our lives. Thank you for your time. Confirmation code of transfer : XXXX Investigation Case # : XXXX OR XXXX
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am filing a complaint against TD Bank for the following reasons : - TD Bank allowed " {$500.00} '' to be stolen from my account. - TD Bank lied to me about their investigation. Stated that they reached out to the parties involved " cash app '', however upon following up with the involved party " cash app '', they stated that they have no record of TD bank ever contacting them in regards to my account. Therefore, TD bank did not conduct a thorough investigation on my behalf. - I had to open a new account with TD bank to make sure my money was secure. However, when I opened my new account, TD Credit Card Services continued to attempt to bill the closed corrupted account. Despite numerous efforts by both myself and my TD bank associate TD Bank XXXXs Software continued to revert billing to the closed corrupted account. ultimately, posting a " late payment '' notice on my credit dropping my XXXX XXXX by XXXX points. I have spent over 50 hours in an effort to retrieve my stolen money, secure my account, and correct TD bank 's billing mistake to fix my credit. My information and TD Bank 's documents regarding this entire process have been mishandled and lost. This should be criminal and must be brought to justice.
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A