Date Received: 2023-11-28
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Consumer Financial Protection Bureau ] [ Consumer Response Team ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK USA/TARGET CREDIT for Identity Theft and Multiple Violations of Consumer Protection Laws Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TD BANK USA/TARGET CREDIT for severe violations of consumer protection laws and identity theft, causing significant financial distress and potential harm to my career prospects during a crucial phase of my life. Accounts Allegedly Being Collected by : Creditor Information TD BANK USA/TARGET CREDIT XXXX XXXX XXXX XXXX XXXX XXXX Relevant Consumer Laws and Sections Violated : 15 U.S.C 1681 Section 602 A : Right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting the inclusion of adverse information beyond seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibiting furnishing inaccurate information to a consumer reporting agency. 15 U.S.C 1635 : Right of rescission not disclosed as mandated. 15 U.S.C 1602 ( g ) : Defining " creditor '' and recognizing credit granted by the original creditor. 15 USC 1605 : Finance charge violation using a social security number. 15 U.S. Code 1691 : Denial of credit in violation of anti-discrimination laws. 15 U.S. Code 1692 ( e ) ( 8 ), ( 9 ), and ( 10 ) : Violation of Fair Debt Collection Practices Act. 15 U.S. Code 1611 : Criminally liable for willful and knowing violations. 15 U.S. Code 1640 : Liable for actual damages, seeking double the entitled finance charge for each violation. 22 U.S. Code 7102 : Definitions, specifically abuse and threatened abuse of law or legal process. Additionally, non-compliance with XXXX XXXX credit reporting standards is evident. I categorically deny opening or authorizing the reported account, flagging it as fraudulent. I hereby request written confirmation absolving me of responsibility for this inaccurate information and urgently insist on the immediate removal of the disputed data from my credit files and public records. Enclosed are supporting documents for my dispute. I seek a thorough investigation into TD BANK USA/TARGET CREDIT 's actions, holding them accountable for their egregious violations of consumer protection laws and identity theft. In conclusion, I declare my surety power as the beneficiary, emphasizing my inherent rights as a natural human being. I trust that you will promptly address this matter and provide updates on the investigation. Your assistance is crucial in resolving this critical issue. Furthermore, I want to make it clear that I am prepared to take this matter to the full power of the court if necessary. I am aware that, under the Fair Credit Reporting Act, you have 30 days to respond to this complaint. I expect your timely response to ensure the protection of my rights as a consumer. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My complaint is against Target Red Card owned by TD Bank. My issue is how long is is taking to reissue my credit after making payment. I have never been late nor even had to pay interest. On one of the payments they even took it from wrong bank account after which I had corrected new bank account online with them and received a notice that new bank acct was entered. Every time I make my payment it is taking almost a month to receive credit limit back. I literally have to call and speak to a bunch of supervisors before anything is done and even then it still takes 5 more days. This is ridiculous and illegal. It states in their policy that credit will be issued two days after a payment and if late etc can take 5 days at the max not a month. I have taken screen shots of all payments when they are posted and also shows the credit still not issued back. Also have screenshots of bank acct as to when they received the payment. Please contact them and make sure they are following all rules I should not have to call every month to receive credit limit back after payment has long been made and cleared bank acct.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A credit card was in my name on XX/XX/XXXX around XXXX at a target in XXXX PA. I contact the company to report the fraud and deactivate the card immediately.
Company Response:
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX has been reporting incorrect information on my credit report, this account has been paid since XXXX, but they just reported the highest delinquency date as XXXX. As you know, the Fair Credit Reporting Act ( FCRA ), as described in 15 USC 1681, requires that I provide accurate information about my account.
Company Response:
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had XXXX credit cards with this bank. Both accounts have been charged off. Upon checking my credit report, I've noticed that my consumer rights have been violated. I contacted the bank directly in writing asking that 1 ) the balance be corrected to {$0.00} to comply with the FCRA to which no response was provided. The account debt was charged off in XX/XX/XXXX, as such not further reporting should be initiated per the FCRA and IRS 1099c guidelines. I also contacted the bank and requested the 1099c form to comply with the IRS requirements as the company will receive a tax write off for the bad debt and per the 1099c guidelines event code 7, the debt is deemed uncollectable as of the charge off date of XX/XX/XXXX. The bank is actively and intentionally violating my consumer rights by continuing to report the account as Charged Off each month for the last 12 months after the charge off date of XX/XX/XXXX, which is inaccurate, thus reaging the account impacting my overall credit file and score. I have disputed this account with the major credit reporting agencies only to have the debt returned as verified, which based on consumer credit law is inaccurate. Additionally, the account is being reported as having a past due balance which is legally impossible per the FCRA. A charged off account can not have a balance due or past due balance.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After my Debit Card had been compromised and not realizing that it was linked to my XXXX XXXX XXXX which was for protection for my XXXX Phone sometime on or around XX/XX/2023 already a month past XXXX XXXX Sent me via email to update my payment information. Once I received my new card and remembering now that some 6 months ago I had the cell phone protection. I began trying over and over again to give XXXX the updated New Debit Card information ( No money was borrowed ) it never worked and I kept trying so after several attempts it worked. Thus, thinking all is good I began to receive Mailings from TD Bank not having any idea what this was for I finally called them and was told they got the money from XXXX for the protection of my phone. Then after several attempts tying to contact XXXX and I mean a lot, almost always, getting disconnected or the wrong department I started with TD BAnk and went thru several attempts to rectify the problem. So finally I got the Manager at TD bank who gave me her Initials of ( XXXX ) and explained the entire thing she told me that if XXXX did this then TD Bank has no right to report me negatively to the Credit Bureau. Then she asked if I would stay on while she contacted XXXX. I said fine, but warned her we would get disconnected when she tried and we got disconnected and XXXX never called me back and I was never able to get her again. All of this for {$3.00} a month now I have negative items on my credit report and have no way to resolve it and TD bank keeps increasing the time and penalties after me thinking it was all good when I updated my Debit Card information with XXXX.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Some one used my td bank secure card to make unauthorized purchases. I disputed the charges but was still charged
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Target credit card is not crediting my account when I make a payment. Recently, on XX/XX/XXXX, I made a {$3000.00} payment. Target has yet to credit my account for this payment. I believe they are committing a huge fraud. If they do not credit my account, they then have the advantage of charging me more interest than I am suppose to really pay. I have never experienced this fraud in the last XXXX plus years of paying credit cards. Please, I need to put a stop to this. CFPB is the only Bureau which has the resources to stop this abuse. This is fraud at its finest. I know there are many people who are going through this same abuse and do not have where to look for help. Please help put a stop to the fraud Target card is committing. Thanks.
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone is applying for cards .... refi of my cars... trying to get into credit unions and bank cards .... but it seems they are using my address... .. which makes no sense. Removing 60/80 inquiries .... too much to mention .... had fraud alert placed on my report ... .. all 3 bureaus complicit.
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The XXXX data breach effected my credit profile and I want this recified
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A