Date Received: 2023-01-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is the 3rd complaint about funds that were not issued to my checking account. One of my checks was fraudulently cashed. They first washed the check. This is a check from XX/XX/2022. The fraud team from my last complaint said that they never received a copy of the washed check. We sent it 2 times and they finally sent an email saying that they received the copy of the check. Now the branch XXXX emailed me to see if I had a carbon copy of the original check. The checks that I order from TDBank do not come with the carbon copy. They never originally asked for it and now, all of a sudden they are asking for it. They are making this a very difficult process tor a check in the amount of {$1100.00}. Please help to expedite this process XXXX XXXX
Company Response:
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I took out a loan with TD Auto finance in XX/XX/XXXX. I have made my payments on time. My payments were {$390.00}. I often paid more than my {$390.00} payment. In XXXX TD Auto Finance reduced my payments to {$190.00}. At first I continued to pay {$390.00}. and called the company to see why my payment amount had changed. I spoke with a XXXX who told me that I was over paid on my account. I initially wanted to continue to overpay at {$390.00} but I wasn't seeing the amounts that I was paying reflected in my bill. I started paying the amount that they billed me and they are now telling me that yes they changed the payment amount but I have to pay my original amount even though I am overpaid and don't see a reduction in my bill that matches how much I paid over my bill amount. The company has called me repeatedly for weeks, texted me and they are telling me that I have defaulted on my loan. I am paying the amount that they are sending me to pay each month. I can be reached at XXXX. I want to talk to a person and explain. Sincerely. XXXX XXXX
Company Response:
State: NC
Zip: 28504
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I recently learned, only by coincidence, that TD Bank USA/Target Credit did not apply my credit card payments correctly, did not reverse a {$29.00} late fee as discussed on XX/XX/XXXX. TD Bank USA/Target Credit charged me additional charges, and has messed up my good credit record. I became aware of this sad mishap only because I attempted to use my Target XXXX towards a small purchase on XX/XX/XXXX. What occurred is how TD Bank USA/Target Credit handled my payments, and how their reps do not hear and report accurate information regarding my account or any account holder, with similar situation. This is NOT RIGHT! I respectfully asked that TD Bank USA/Target Credit PLEASE CORRECT THIS WRONG and REPORT an ACCURATE AND COMPETE PICTURE! Please note, I am a very responsible consumer, and have maintained perfect credit for the past XXXX years. I pay all my credit accounts off early, and/or monthly. Furthermore, I maintain a very low credit utilization rate ( XXXX % ). On XX/XX/XXXX, I made a purchase of {$120.00}, which I paid off in XXXX months! On XX/XX/XXXX, I made a payment of {$30.00} for payment to be due in XX/XX/XXXX. On XX/XX/XXXX, I made a payment of {$50.00} for payment to be due in XX/XX/XXXX. On XX/XX/XXXX, I learned, only by coincidence, that your company, TD Bank USA/Target Credit XXXX XXXX me a {$29.00} late fee, of which was to be reversed upon receipt of remaining balance of XXXX. On XX/XX/XXXX, I paid off the remaining balance of XXXX. XXXX paid off in XXXX months! Paying this account off was never an issue or problem During XX/XX/XXXX, I learned Target had charged me a {$29.00} late charge, of which I should never have been charged because I had already made the XXXX payment. When I addressed this, the Target representative did not inform me about the XXXX payments I had already made. ( I did not have my statement in front of me ). On XX/XX/XXXX, I paid off the remaining balance of XXXX. On XX/XX/XXXX, per telephonic conversation, Target RedCard ( TD Bank USA/Target Credit XXXX XXXX XXXX reverse a {$29.00} late fee upon receipt of remaining balance of XXXX ( & XXXX + XXXX credit card fee ). On XX/XX/XXXX, TD Bank USA/Target Credit XXXX XXXX {$45.00} from my bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX making my account paid in full, and should have been zeroed out. Unknown to me, because I never received any further communication from TD Bank USA/Target Credit XXXX not do what stated they would do, as recorded and noted. They did not reverse the {$29.00} late fee as agreed upon. Me knowing my remaining balance of {$45.00} was received the next day, On XX/XX/XXXX, I was clearly under the impression I was free and clear and did not owe anything. One can not always retrieve statements when their system does not allow it due to server issues, etc. I was totally unaware that TD Bank USA/Target Credit XXXX XXXX unearned late charges on top of the late fee they failed to remove as discussed and agreed upon back on XX/XX/XXXX. Once again, I paid off my account on XX/XX/XXXX as I stated I would do, as per conversation with the Target XXXX department back on XX/XX/XXXX. Once again, I never knew I was ever late simply because I made the first XXXX payments to stay ahead. I did not receive and was unaware of any new statements after I paid off my account back in XX/XX/XXXX. I was under the impression that my account balance should have been at a XXXX balance. XXXX does not send out statements when account holders have XXXX balances. I normally do not use Targets Redcard. I have no statements between XX/XX/XXXX- XX/XX/XXXX, and between XX/XX/XXXX- XX/XX/XXXX. As mentioned, I recently learned, onlly by accident, that TD Bank USA/Target Credit had charged me additional unearned charges, only because I attempted to use the Target RedCard for a purchase on XX/XX/XXXX. Upon learning of this unknown to me outstanding balance, I immediately contacted TD Bank USA/Target Credit XXXX XXXX out about these new charges which I was totally unaware of. After much frustration and going back and forth, On XX/XX/XXXX, TD Bank USA/Target Credit now stated that they could only remove up to XXXX of their added unearned late fees due to their policy. Because of the long unfruitful time I spent on the phone discussing this matter and having to go to work, I reluctantly paid the lesser of the fees {$29.00} to help clear up this matter, and to avoid x further complications of TD Bank USA/Target Credit XXXX XXXX my good credit. In all fairness and humanness, they should have the XXXX late notice removed and be refunded {$29.00} immediately. As of XX/XX/XXXX, Target reps also stated I was never late. TD Bank USA/Target Credit XXXX XXXX corrective action to have this incorrect information removed from my credit reports. Some of TD Bank USA/Target Credit representatives do not clearly and accurately communicate the issue of payments received and what has/had been reported or not reported to the credit bureaus. This is not good. In this day of paperless communication, I never received any communication from TD Bank USA/Target Credit indicating that there was a problem with my account. In this present day of inflation, XXXX, high gas prices, life issues, etc., it is important to maintain good credit to live, survive, and thrive. In my situation, or any similar which consumers go through. This is CLEARLY NOT FAIR. TD Bank USA/Target Credit XXXX XXXX XXXX, that we, responsible consumers, are their target! They placate and patronize some of its consumers. This is not fair for consumers who act, in good faith, honoring our part. TD Bank USA/Target Credit clearly did not honor its part by manually correcting miscommunication, human error, a companys inability to correct certain issues, and/or computer error. I, or any consumer, should not be penalized. TD Bank USA/Target Credit is not reporting accurate information and presenting a complete picture. CORRECTIVE ACTIONS TARGET NEEDS TO TAKE : XXXX XXXX XXXX XXXX XXXX XXXX to remove the XXXX late notice from my account. *Restore my credit limit to previous credit limits ( 1Target initially lowered my limit due to my non-use, of which I filed a report ~ 2 years ago ) *Refund {$29.00} late fee I reluctantly paid to avoid further confusion with Target. According to the FCRA, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. Again, please IMMEDIATELY REMOVE THE DEROGATORY INFORMATION, which even TD Bank USA/Target Credit states is not correct. and send me written confirmation that you have complied with the law. Thank you for your prompt attention to this matter. Sincerely XXXX XXXX XXXX XXXXTD Bank computer algorithm was not accurate and lowered my good credit 2 years ago based off my factual perfect payment history, XXXX XXXX ; Target claimed old, outdated, non-factual information XXXX years because consumer was not using their financial product. Target reduced XXXX down to XXXX.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
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: I made an online purchase with my TD credit card on XX/XX/22 that had a time-sensitive arrival. The merchant ( XXXX XXXX XXXX ) failed to make good on their promise to get it to me on time. While working out a resolution, the merchant stated they would provide me a full refund. Over the course of a month, I continued to reach out the the merchant, who would then not honor the original commitment to provide a full refund. They ended up completely ghosting me ( wouldn't return my emails ). I maintained excellent records of all emails sent back and forth to prove the merchant rightfully promised a refund. I reached out to TD Bank on XX/XX/22 to dispute the transaction. They provided written confirmation by mail that they were initiating the chargeback and would notify me when the matter was resolved. They provided the case number XXXX. On XX/XX/22, TD Bank mailed me a notice stating ( summary ) that they had tried to reach me by phone and mail for information, and since they did not receive a response, the case was to be closed. I received this notice on XX/XX/22 and promptly called their dispute department. I explained that I had never received any written communication requesting information ( which can be proven by my subscription to XXXX Informed Delivery ). The clerk stated they would reopen the claim and asked that I fax requested information to them. I promptly gathered the email chain as proof of the interaction with the merchant, adding a detailed letter, and faxed it to the number provided. After several weeks without any update, I called the dispute department again on XX/XX/22. After a very long hold, the clerk was not able to provide much new information, only that the fax I sent on XXXX was received and the transaction was still being investigated. After another week without any update, I called the dispute department again on XX/XX/22. After several holds and several transfers, I was told it could still be weeks for an update. I explained I would would be initiating a claim with CFPB, as it had already been 104 days since I initiated this dispute. The clerk stated I should open a new claim, which they could attach all of the previously provided information. They stated this would be the best way to get this dispute in front of those that can make a decision. I allowed this, as I simply wanted to get this claim off of my radar and hear the determination.
Company Response:
State: OH
Zip: 44691
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I have not received the title after the loan was paid off. TD Auto Finance says they never had the title and have repeatedly requested a duplicate from CA XXXX. CA XXXX says they have not received any request. CA XXXX also says a request must be made by mail, but TD Auto Finance refuses to use that method. It's already been almost 2 months since I paid off the loan and after speaking to Auto Finance XXXX or 3 times a week for the last 2 months, I feel hopeless that I will ever get the title. I need help. Thank you. XXXX XXXX
Company Response:
State: CA
Zip: 91214
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: All known ( XXXX ) customer service numbers answer but do not allow for any prompts and will eventually hang up. There is no online option to make a payment via their web portal. At this time i do not know of a way to make a payment.
Company Response:
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose TARGET XXXX LATE PAYMENT XXXX XXXX XXXX
Company Response:
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to you because there are several items on this account with billing errors with XXXX and their various violations with different accounts, In accordance with the fair credit reporting act this account and the credit bureau has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC CHAPTER 41, SUBCHAPTER III ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales. The Application means in this section that it may be amended from time to time, by which this Agreement is established between the Depositor ( or following the death of the Depositor, the Beneficiary ) and the Custodian. The statements contained therein shall be incorporated into this Agreement. Consequently, companies wanted individuals to get rid of paper statements ( go paperless ) because they were committing mail-fraud under 31 USC 3123 . Each statement that was sent to me on the front should have said, " This is a solicitation and youre obligated to contract. I am protected by the Electronic Funds Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978. I am aware that you are negotiating my account via the securities exchange 17 CFR 230.425, 17 CFR 230.141 through your Companys Trustee. A coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 16 CFR 1026.13 & D1-3 15 47 USC In accordance with 1026.11 ( 1 ) ( 2 ) Each time a payment is received, your account is deemed to be credited immediately. This is an infraction. Each time a balance is greater than {$1.00} ( the dividend check ), the corporation is supposed to forward the funds to my account. ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. Paragraph 11 ( a ) ( 3 ). Your company is also in violation with the following rules : Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Violation # 9 Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Violation # 11 Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Open ended consumer plan ( an account with more than 4 payments ) accounts late payment notifications is illegal. Companies may not directly or indirectly report accounts to creditors. 15 USC 1602 ( j ) Violation # 13 15 U.S. Code 1666b - Timing of payments- This means a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statements, including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. ( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section. Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error. ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error. ( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Hi, my name is XXXX XXXX. I am a current customer of td bank. And I applied for a td fit loan on XX/XX/2022. As a result, after I provided information for the loan. XXXX of the agents demanded more information need to be submitted as this is not the first time I received a td fit loan but this is the first time I was treated with disrespect and discrimination regarding what needs to be submitted So I stated that I am not home at the time she wanted me to submit the required information I will do so when I return home. As I got home and logged into my application and it was an automatic denial stated something in my credit report which was untrue. So I called the td fit loan department and they stated they couldnt verify my identification which was also false. This is disgusting how your employees represent your company in this type of manner and it is unacceptable.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Someone open a credit card account at Target. I never apply for a credit card. I called Target to report.
Company Response:
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A