Date Received: 2022-05-26
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 an auto loan account under an open end consumer credit plan as late for and purpose.
Company Response:
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
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: I have been trying for over a year, nearly 2 to prove to all three credit bureau 's the information that Target continues to report is not accurate. Not only is it not accurate but according to the cares act during COVID the reports should not have even been made. Additionally, I have submitted at least 2 documents to confirm 2 or the XXXX late payments reports are not true. I was given an arrangement with Target and they lied. I was told in XXXX that if I agreed to a payment arrangement and due to the cares act, missed payments would not be reported. It was not intentional at no time and did not happen. This is on going inaccuracies are affecting my life, my credit, and my family. Please someone needs to investigate and have Target fix it immediately.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received notice from TD Bank that my checking account had insufficient funds to cash a check. I realized i do not have a checking account with TD Bank. THey said someone had used my social security # falsely to open an account. The fraud department closed the account.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
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: Target Card Services Credit reporting dept Account Number : XXXX Im writing to ask again to look into the XX/XX/XXXX and XX/XX/XXXX missed payment that Target has reported to the credit bureaus. I am trying to apply for a home mortgage for my family of XXXX and it's come to my attention that Target still has not corrected these late payments. I understand my financial obligations, I have had this target card for several years as you can see and have never missed a payment so it was a shock to see these on my credit report. I spoke to a couple different Target Representatives over the phone which I'm sure you can pull the phone calls from XX/XX/XXXX through XX/XX/XXXX and I even have online messages speaking to representatives. They assured me if I paid more than the amount owed it would cover the NEXT monthly payment and that monthly payment would be XXXX. I also asked to change my due date to the XXXX on XX/XX/XXXX, target online messages stated they would change it to the XXXX of the month but yet it was never done so you reported XX/XX/XXXX as 30 days late when it was not. I know you have to report accuracy to the credit bureaus but these should not have been late especially when I was told if I made an extra payment or double payment in that month it would be applied to the following months. As you can clearly see on the attached document that I made a payment XX/XX/XXXX, you applied it to my XXXX payment and then I made another payment XX/XX/XXXX and you applied it to my XXXX payment coming up and I have a XXXX balance owed for XXXX. So this is true for the other months prior. So the XXXX late payment reporting is simply not true. Here is a break down of payments : XX/XX/XXXX - payment of {$210.00} for XXXX and XX/XX/XXXX ( XXXX was NOT 30 days late ) XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$80.00} for XXXX payment ( this payment was late but NOT 30 days late ) XX/XX/XXXX - payment of {$120.00} for XXXX payment XX/XX/XXXX - payment of {$400.00} for XXXX payment XXXX - XXXX balance owed XX/XX/XXXX - went ahead and paid an extra {$50.00} which Target applied to XXXX XXXX - XXXX balance owed XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XX/XX/XXXX - payment of {$100.00} applied to XXXX payment XXXX - XXXX balance owed XX/XX/XXXX was not 30 days late because it was due XX/XX/XXXX and I paid it XX/XX/XXXX. Please fix these XXXX late payments to show not 30 days late, as you can clearly see I was told the extra payments would go into the next month AND I have proof as Target did just that.
Company Response:
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Applied for a checking account online. Went into branch in XXXX, Ma with all required information. Was told by XXXX at the branch the account was opened and pending. Three days later he said it was frozen. Asked why. Never received a reason as to why. Called the corporate office and got no response. XXXX, the branch manager, would not provide a reason. She even refused to tell me who the regional manager was for TD bank.
Company Response:
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I had 3 accounts opened in my former name @ TD Bank. I am still getting statements and overdraft statements. I received 2 certified letters for the first 2 accounts and I thank you, and would like to try to get the last accounts closed.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: For the second time within a 1 year 3 mo this company XXXX XXXX has opened up a line of credit. This time an amount of XXXX was used at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dates of the transaction are XXXX XXXX. The statement for the account goes from XXXX XXXX to XX/XX/2022. The account number that has been opened with XXXX XXXX is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is XXXX. I have also tried to reach out to XXXX XXXX and no one is available. I have flagged accounts through the FTC, XXXX, and XXXX.
Company Response:
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I just received a bank card in the mail for a new TD Bank account that I did not open. I called TD Bank and spoke with a fraud specialist that stated they would close the account on their end but recommended I filled out a report here.
Company Response:
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was looking to increase the credit limit on my existing card with TD Bank. The existing limit was {$5000.00}. I called the customer service line and found that I could either request a limit increase that would take 7-10 business days or I could go to the local branch and apply for a second card, which would be returned the same day. With the second card, I could then merge the original card and the new one, returning to one total card. Also, the new card had better rewards, 2 % on all transactions, whereas my original card is 3 % restaurants, 2 % groceries, and 1 % everything else, or something like that. With this information, I went to the local branch on XX/XX/22. After speaking with both the rep in the bank and one on the phone, I apply and get the new card with a {$15000.00} credit limit. After I'm handed the card, I'm told that I will need to have a qualifying deposit account with the bank in order to get the full 2 % back, or I'll only qualify for 1 % back. I was not read the disclosure that provides this information prior to the card being issued. I don't want a checking/savings account with TD Bank XXXX I have each with XXXX and their interest rates are MUCH better. If I would have known that I had to open another account with TD Bank to get the 2 %, I wouldn't have gotten the card. I've called both their card services number as well as the branch and they each point to each other as responsible. At this point, I'm very frustrated with TD Bank. I have been told now they they can not merge the two cards together and keep the older, I can only do that merge if I keep the newer one.
Company Response:
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In early XXXX I deposited a check for {$200.00} from XXXX XXXX at an ATM in TD Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX The machine kept my card and the check and closed down. I parked and went inside and was told, Weve been having problems with that machine. The young man who took the report was quite polite and competent. He made me a new ATM card, and within a few days the money was in my accountfirst {$.00}, then {$190.00}. Routinely checking transactions by phone in XXXX, I learn that TD withdrew {$200.00} from my acct., plus a {$15.00} bounced check fee! Called TD and was told to call XXXX XXXX to see if they received duplicate checks. They did not and said it was a bank error. The bank did waive the {$15.00} fee but I still have not received the {$200.00}. I received a letter from TD with a copy of the check and a totally different reverse side Without my signature or acct. #. I have made multiple calls to different help centers of TD, hanging on phone for approximately 40 minutes each time! Was disconnected, the last person said that it was cashed at some other bank!!! Have been with TD over 30 years in XXXX region, and highly recommended them. No more!
Company Response:
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A