Date Received: 2023-01-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Target Red Card has placed a couple late payments on my credit report. I am a XXXX XXXX and during the pandemic I was on the road non stop. The company I was working for instructed me to use direct deposit to be paid. I used my XXXXXXXX XXXX and updated with target red card. The issue was is they didn't apply it right away. When my next payment was due the autopay I have set up attempted to take payments from my XXXX XXXX account. There was no funds in this account to cover the payments. Instead of target notifying me or sending me any communications they reported late payments. I sent Target an explanation and asked them to remove the late payments since their site neglects to inform users that the institution change doesn't go into effect right away. This is ridiculous. I'm on XXXX XXXX XXXX XXXX XXXX XXXX and Target treats me like this? They should do better!
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. -TD/bank USA /target {$310.00} XXXX had a credit card with target credit limit was {$250.00}. After i flied a complaint to CFPB The Bank called me and we fund a deal to pay off and remove this negative in my file. On XX/XX/2022 I payed {$200.00} to USA /TARGET TD BANK it seem they forgot to remove this enquiry. Please Remove this enquiry for me. XXXX
Company Response:
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 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.
Company Response:
State: IL
Zip: 60487
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXXXXXX XXXX XXXX allowed a fraudulent ACH debit to be made on our checking acct - {$390.00} on XXXX - TD has been ineffective in recovering it or providing information on who submitted it - our XXXX fraud dispute filed on XXXX
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was billed three times for a service, XXXX, and submitted to TD Bank a request to have two of the charges removed from my account. In violation of XXXX XXXX rules and the XXXX XXXX XXXX, the bank decided to credit all three charges to the merchant, and not refund my money. In the process some {$580.00} in bank fees were accumulated and my account was closed as overdrawn at {$380.00}. All of this is entirely due to the revocation of credits I am legally due regarding XXXX 's overcharging my account. A month after my account was closed, XXXX cancelled my account and has now retained, in violation of XXXX XXXX rules and the XXXX XXXX XXXX, all three charges for services never performed. XXXX XXXX XXXX is a collection agency hired by TD Bank to get money out of me that is not owed legally.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I asked TD to close my checking account. They did not do what I asked them to do. Instead, they kept my account open and continued charging me monthly service fees.
Company Response:
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Finance manager illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX XXXX with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX ( never authorized ). Mr XXXX XXXX directed the auto loan to XXXX XXXX at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for me, to which we demonstrated XXXX for 2 agencies and XXXX for one, and the ability to get the best rate offered by our financial institution of 4.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 4.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : XXXX ) trade-in value ; XXXX ) being forced by the dealer to buy unwanted additional items not yet installed ; and XXXX ) The fraudulent actions from Mr. XXXX XXXX to earn a referral fee from XXXX XXXX . Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.
Company Response:
State: TX
Zip: 78259
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( A.Basalo ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX XXXX never authorized ) and TD Auto ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX XXXX at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for my mom, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX XXXX XXXX Regardless of that the fraudulent Finance Manager pulled the credit with XXXX unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Company Response:
State: TX
Zip: 78259
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XXXX ) We purchased a sofa from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Total bill amount was XXXX XXXXXXXX. We were offered interest free loan to finance this. So we took the interest free loan of {$3500.00} to finance this purchase at the store. This was explained to us by the XXXX XXXX XXXX XXXX ) We continued paying the monthly installments as per the bill. In XX/XX/XXXX bill we noticed there is a charge of XXXX XXXXXXXX. WE called the XXXX XXXX. We were told this is for mattress that we recently purchased and than returned at the store same day. They cancelled this purchased and have informed the lender ( TD Bank ) to refund this amount of {$810.00}. It will take XXXX payment cycles ( By XX/XX/XXXX ) to appear as credit in monthly bill XXXX ) In XXXX we noticed this amount has not been reversed. We called XXXX XXXX. They now asked to reach lender TD Bank ( Contact Number : XXXX ). TD Bank told us that XXXX XXXX interest was only for XXXX XXXX after that XXXX XXXX interest rate. This we were not informed when we took the financing for the furniture. Secondly {$810.00} is interest @ XXXX XXXX on principal loan amount as on XX/XX/XXXX. Basically what we were told that as we have not fully paid the loan in XXXXXXXX XXXX ( promotion year ), they are charging interest at XXXX XXXX on loan outstanding in the XXXX XXXX finally they will now continue charging XXXX XXXX interest rate per annum on outstanding loan XXXX ) TD Bank representative were very rude and did not listen that we were not told that interest free is only XXXX XXXX and if we don't pay off the loan fully in first year they will charge XXXX XXXX on loan outstanding in XXXX XXXX and there after. XXXX ) We made a purchase /finance of {$3500.00} and in last last XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ) we paid interest of XXXX XXXXXXXX XXXX ) We humbly request for waiver of this interest amount of {$1200.00}. This financing / product was misrepresented by XXXX XXXXXXXX XXXX. They never disclose that XXXX XXXX interest is only XXXXXXXX XXXX and after that it XXXX XXXX and you also pay XXXX XXXX on XXXXXXXX XXXX outstanding loan, if the loan amount is not fully paid in XXXX XXXX Kindly help us. Regards, XXXX XXXX
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hello, My issue is I have been in XXXX XXXX so my pay checks have been late. Between that and the holidays I ended up going negative. I couldnt make it to the bank to put any money in. At one point, I was able to put in {$200.00} but then the fees started, and I had no more money left. I just want the money back, please. XXXX {$70.00} XXXX {$35.00} XXXX {$35.00} XXXX {$35.00}
Company Response:
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A