Date Received: 2023-11-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: someone opened 2 credit cards in my name using my information i called the company am i called the credit bureau i also sent in the police report stating this was fraud i also target to close and remove this account and I asked XXXX XXXX to remove an close this account as they are not the account that i have applied for XXXX XXXX told me the will close an remove the account an Target told me the same thing XXXX XXXX an XXXX are still showing these accounts on my report
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
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 purchased an XXXX XXXX XXXX from XXXX for {$26.00}, but never received the merchandise. I reached out to the company, and they have no record of the transaction. My bank filed a dispute with XXXX XXXX XXXX XXXX XXXX XXXX The charge appears on my credit card statement. The Bank Reference number is XXXX, and the Claim Number is XXXX The transaction seems to have been hijacked. If you need more information I can supply it if necessary. Also, my credit score from XXXX was lowered by more than XXXX XXXX because of it. I would like a refund and my XXXX and any other credit scores fixed.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or about XX/XX/2023 by father XXXX XXXX issued a check in the amount of {$24000.00} to me via US mail. The envelope containing the check was apparently stolen out of the mail. the check was then fraudulently altered and deposited atTD Bank in XXXX XXXX, FL. We reported the fraudulently altered and deposited check to the XXXX XXXX Police Department. This was the appropriate jurisdiction, after I checked with a representative of the States Attorney 's Office. We submitted copies of the cancelled check as well as a photocopy of the original check that was sent to me. A copy of the correspondence, and cancelled checks are included with this complaint. My father, XXXX received correspondence today from XXXX XXXX XXXX XXXX that TD Bank was not cooperating with them to process our claim. My father and I are requesting the bureau 's assistance to contact TD Bank to expedite processing our claim through XXXX XXXX so that we can be made whole. As the depository bank for an obviously fraudulent check they're responsible and need to be held accountable as such.
Company Response:
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Target store does not help if your identity gets stolen or misused. i asked for information on this fraudulent account that was opened in my name and they failed to provide me any info and did not take any action to resolve my issue now this is affecting my credit score for something i did not acquire. i would never get a target card either way even if they offered it to me.
Company Response:
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XXXX I was working with XXXX XXXX on an app for surfers and skaters and he wanted to open a credit card to use with XXXX products and services. He said he had credit and to open a business credit card he would use me as a guarantor since I had good credit. He told me that everything would be in his name and I don't have to worry about it. We go to the bank and we sign some documents, he provides some documents with the teller and they step away and they start to speak XXXX. I am told that XXXX would come back for the card and that was that. I received nothing in the mail I received nothing that TD Bank said a credit was open in your name, becuase I was led to believe that the account was opened in his name and he would get all the documents, there was not even a credit card issued for me. While searching for insurance payments on another legal case I decided to go on tdbank to see if I can access my bank accounts. XXXX and behold a maxed out credit with my name with purchases XXXX made ( personal not business ). I contacted XXXX about the maxed credit card and he lied saying that he just purchased a phone with it and everything is in his name. I immediately ended contact with him and proceed to contact the police report this as fraud and contact all 3 credit bureaus. I have made a police complaint on XX/XX/23 but till this day I never got the police report or a detective call me about the case. XXXX is still working on the issue while XXXX and XXXX said it was a joint account and told me to refile once I get a police report. TD Bank fraud would not let me access anything about the account and told me to go to the bank I opened it in. On XX/XX/23 I go there and they said that everything was opened in my name, and refused to provide additional information about other accounts it was tied to or the business entity itself of which I could not find online. They said XXXX was an authorized user. How can it be the primary owner was never issued a card but so called authroized user with bad credit is allowed to XXXX out the card and TD bank does not think anything of it. I am trying to find a lawyer to sue him but the resolution is to move this off my credit part and make XXXX XXXX the one responsible for the bill
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Re : Target Credit Card Application and XXXX Concerns Dear Consumer Financial Protection Bureau, I am writing to express my concerns regarding Target 's credit card application process and its implications for individuals with XXXX. I recently applied for a Target credit card and was subsequently instructed to upload certain documents to their website. However, I encountered several issues that I believe are discriminatory and violate the Americans with XXXX Act ( AXXXXA ). First and foremost, Target 's requirement for uploading documents online creates barriers for individuals who may not have access to the special equipment or the ability to scan and upload documents. This requirement effectively excludes a significant portion of the population from accessing the Target credit card, which is a violation of the AXXXXA 's mandate of equal access. Secondly, Target 's privacy policy regarding submitted information raises concerns about the potential misuse of personal data. The policy states that " All information submitted to us via the Services shall be deemed and remain the property of ours. We shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a user of the Service provides us through the Service. '' This broad and vague language suggests that Target may use submitted information for purposes beyond those necessary to process credit card applications, potentially violating individuals ' privacy rights. Finally, when I contacted Target to request reasonable accommodations for my inability to upload documents online, I was met with an insensitive and dismissive response. A customer service representative informed me that Target considers individuals ' XXXX that preclude certain tasks as a personal choice, a statement that is not only insensitive but also contradicts the AXXXXA 's clear provisions. I urge the Consumer Financial Protection Bureau to investigate XXXX 's credit card application process and ensure that it complies with the AXXXXA. Individuals with XXXX should not be denied access to credit cards or subjected to discriminatory practices due to their limitations. I believe that Target 's current policies and practices are unacceptable and require immediate attention. Thank you for your time and consideration. Sincerely, XXXX XXXX
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: make a transaction Through XXXX and by mistake a number was not correct, a deposit of XXXX dollars was made
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My daughter and I are legally XXXX and was in a bad car accident. In an emergency I deposited checks which accidentally were the wrong checks from a closed account. I did not take any money from the bank when they cleared. The bank just took the money right back and charged me {$50.00} in fees. However they closed the account and when I called customer service they told me that my account was closed for having a negative balance of {$50.00} and the bank just charged it off. I was also told that the custodial account which I use to pay for my XXXX daughters expenses and to receive deposits from social security I was told it is still open but frozen and if anyone deposits money into it I will not be able to access funds. I went into the local branch for help and was told differently that my accounts were closed due to fraud. I begged them for a reasonable accommodation to reopen my accounts because I'm expecting a large back payment from the social security administration for my XXXX year old daughters XXXX and that the social security administration will not write me out a check. I must have a custodial Account. Our life depends on these accounts.
Company Response:
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Subject : Formal Complaint Against TD Bank for Inadequate Claim Handling and Unauthorized Transactions To Whom It May Concern, I am writing to lodge a formal complaint against TD Bank for their handling of my dispute with XXXX XXXX XXXX and for unauthorized transactions on my account. My experiences have raised serious concerns about TD Banks customer service, claim processing procedures, and adherence to banking regulations in the United States. TD Bank, despite being a relatively newer player in the U.S. banking system with around 20 years of operation, seems to employ policies influenced more by its XXXX roots than by the norms and expectations of XXXX XXXX practices. This international approach becomes particularly evident in the handling of domestic disputes and claims. My issue began with XXXX XXXX XXXX, a vendor with a history of selling defective products and then employing questionable tactics to retain payments. I had a clear written agreement with XXXX XXXX XXXX for a full refund in the event of receiving a defective transmission. However, when I filed an unauthorized purchase claim with TD Bank, XXXX XXXX XXXX countered by providing selective receipts and invoices, ignoring our agreement for a refund. Despite this, TD Bank quickly refunded XXXX XXXX XXXX, disregarding the nature of my complaint and our written agreement. When I reopened the case with the help of a TD Bank representative, XXXX, the claim was inexplicably closed within XXXX days, with the same justification as before, ignoring the new evidence and nature of the complaint. Moreover, TD Bank has recently withdrawn {$240.00} from another of my debit accounts without my consent. This withdrawal was explained as being within the rights of the bank according to the policies I allegedly agreed to upon account creation a claim I strongly contest. This action not only violates my rights as a consumer but also raises questions about the legality of such a policy. My attempts to resolve this issue have been met with poor communication and a lack of transparency from TD Bank. The bank 's representatives have been evasive, and there seems to be a deliberate avoidance of direct communication with customers. It is imperative that bank representatives provide full disclosure, including their names and employee ID numbers, to ensure accountability and transparency in their dealings with customers. I urge TD Bank to reopen my claim with the correct categorization as a dispute over a defective item sold, and to consider the written agreement with XXXXXXXX XXXX XXXX. The focus should not be on the warranty but on the fact that I chose not to pursue it to avoid repetitive installation costs. This decision was made in my best financial interest and aligns with the agreement made with XXXX XXXX XXXX. TD Banks current approach is not only detrimental to customer trust but also deviates from the standards expected in the XXXX banking industry. I expect TD Bank to address these issues promptly, ensuring fair and transparent handling of customer claims and respecting the rights of consumers to manage their own accounts without unauthorized interventions. Sincerely, XXXX XXXX XXXX XXXX # XXXX
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have disputed several complaints to TD Auto Financial Services. I am requesting that this company stop reporting the account is past due when the accounts is currently closed. Also, I am currently making payments on the debt through XXXX XXXX XXXX. My balances has decreased on the debt collectors account site vs TD Auto Financial Services account is still showing an outdated balance. I am trying my best to corroborate with this company and resolve the debt, but I need them to do there job by updating the balance and information on account.
Company Response:
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A