Date Received: 2022-10-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit inquiry was placed on my credit report on XX/XX/2022. I was alerted by XXXX and XXXX XXXX that it appeared. I did not apply for a credit card on that day. It was listed under TD Retail Services. It looked like a card for the XXXX stores or another retailer. I pulled this information from their website. My understanding is that this the way that the fraud starts. XXXX years ago, I had my information used to apply for Colorado Unemployment even though I do not live in that state. Don't know if there is a connection, but it could be.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX my bank, XXXX XXXX XXXX XXXX, AR, overnighted a cashiers check to TD Auto Finance for the amount of {$32000.00}. The tracking number of XXXX shows that it was delivered on XX/XX/XXXX. Approximately XX/XX/XXXX I checked my online account and the payment hadnt been posted so I called to check on it. I was told to call back within the next XXXX days to check. I was told this every few days over the course of XXXX weeks. At the end of week XXXX I started pressing harder when I called because I was tired of the runaround. I provided all of the information requested ( MULTIPLE TIMES ) such as the tracking number and address it was delivered to. I was told more than once a ticket would be opened with the payment department and it would be investigated. It has now been over XXXX weeks since the payment was received. My payment is overdue ( it was due on XX/XX/XXXX ) and the payoff amount is well past the ten day payoff quote that was sent. Im also afraid its going to affect my credit score. I need to be in touch with someone who can handle this and quit giving us the runaround about losing our payment.
Company Response:
State: AR
Zip: 729XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A Payment was made in the amount of {$75.00} on XX/XX/2022 and a late payment fee was charged on XXXX XXXX XXXX Payment was made on time and they still charged a {$40.00} fee?
Company Response:
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried opening an account an it keep saying I cant open an account
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
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: In early 2022, I opened a Target XXXX XXXX XXXX I was given a credit line that was insufficient for my needs and was told that if I prepaid ahead of charges I would a ) be able to spend more, and b ) would accelerate and increase the likelihood of recieving automatic credit line increases. I made a payment in-store via prepaid debit cards that do not allow credits after activation. My last payment was made in XXXX of 2022 totaling {$22000.00} -- XXXX payments in the amount of {$490.00} per prepaid debit card. The payment was made in-store. Not long after Target called me and informed me that my account was closed for excessive payments, despite the phone rep telling me that it was an approved method for increasing spending power and was viewed as a positive action by the bank. They informed me that they would be refunding the credit balance on the account via a check to the mailing address on file. The prepaid debit cards have been disposed of and they do not accept credits after the initial activation. Months after the incident Target informed me that they decided to return the payments to the original payment method despite them having to go out of the way to do this and process 46 individual refunds. This is inconsistent with standard practice, both for Target and for the industry standard. After the funds have cleared and the hold period has elapsed, a check is typically issued to the address on file. Target refuses to correct their mistake and says that I need to call the prepaid debit issuer. Target went out of their way to cause this issue, will not even provide proof that the funds were sent, and will not issue the check they had promised to issue as of Saturday XX/XX/2022. The reps claim that this is standard practice in instances where they refund a credit balance on the account, however that is not the case.
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Nordstrom lowered my credit limit from {$7500.00} to {$1000.00} without notifying me in violation of federal law. When I looked at my credit report and saw this decrease, which had a negative impact on my credit score, I called them and asked them why they had decreased it as I had received no notice. The representative informed me the limit was decreased due to inactivity. I informed her that I never received any notification that it would be decreased, and explained that previously when Nordstrom had threatened to do this, they sent a letter notifying me and I subsequently called in and told them that I did not want the decrease, and they kept it the same. In this case, I informed her I never received anything. She told me that something was sent, and I requested a copy of it. She could not locate or produce anything to provide to me, and when I asked about why not, she went to speak with her supervisor who said Nordstrom was not obligated to send me any notice. She said they were only required to send notice if an account was being closed. When I explained that had not been the previous practice ( as I had previously received notice that the limit was decreased ) she expressed ignorance to this practice. I said it made no sense that they would inform a consumer of their account being closed, but not that the credit limit was decreased, which had an adverse impact on my credit score. I told her federal law requires consumers to be notified of any action that might have an adverse impact on their credit score. Adding insult to injury, when I requested a credit increase I was denied and told it would not increase unless I made months of purchases on the card, which is extremely predatory. I never received notice that the limit would be lowered, then when the limit is lowered ( which decreased my credit score ), I am told the only way to increase it is to make purchases with the card for approximately nine months. This lack of notification, which violates federal law to inform consumers of adverse action impacting their account seems design to engender additional credit debt in a predatory fashion is egregious, which is why I am filing this complaint.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 my identity was stolen. A XXXX XXXX XXXX XXXX was illegally purchased by establishing a 24 month financing program under my name. I did not make this purchase, know nothing of it or the financing program, and Ive never even owned a XXXX product.
Company Response:
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened this claim XXXX agains my bank for a bad management of chargeback request. The bank answered that the claim is going to be paid to my account on or after XX/XX/2022 ( didnt happened ) and also the other claim will be finalized on XX/XX/XXXX and will be send a letter with the results ( also didnt happen ) Also I sent requested documents for the claim XXXX XXXX or/and XXXX and until now I dont have any resolution for that case. The fax with the last information requested was sent to the bank on XX/XX/XXXX.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On or about XX/XX/XXXX TDAUTO Finance was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$19000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. TDAUTO Finance redeemed the the instrument on or about XX/XX/XXXX. TDAUTO Finance has not honored the contract and continues to harass and Tarnish the credit of the allege XXXX On or about XX/XX/XXXX TD Auto had a unlawful, un peaceful repossession of the allege debtors vehicle. TD is currently extorting allege XXXX fraudulently
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
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: This company is currently showing XXXX days late in XXXX XXXX XXXX days in XXXX, XXXX days in XXXX and XXXX days in XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. See below account for proper implementation. XXXX XXXX XXXX Balance : {$110.00}
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A