Date Received: 2023-11-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: XX/XX/XXXX - Received XXXX Branded Credit Card ( TD Retail Card Services ) that had been fraudulently opened and used to make purchases XX/XX/XXXX - Called TD Retail Card Services Fraud Department to report fraud and open a case XX/XX/XXXX - Filed report with local police department XX/XX/XXXX - Followup call was made to TD Retail Card Services Fraud Dept- confirmed that my case was received/opened on XXXX XX/XX/XXXX XXXX - Followup call was made. Investigation was still pending XX/XX/XXXX - Followup call was made. Investigation still pending but letter was sent to my address to review, sign, and return a Declaration of Fraudulent Activity XX/XX/XXXX - I sent a separate letter, Proof of ID, identity.gov report, and police report to TD Retail Card Services Fraud Dept via certified mail XX/XX/XXXX - I received in the mail the letter dated XX/XX/XXXX. Their request was to return the signed declaration within 14 days so I scanned and emailed the signed declaration, letter, proof of id, identity.gov report, and police report XX/XX/XXXX - I called the Fraud Specialist handling the case who informed me that the case was closed because there was no response. The specialist claimed the declaration was mailed on XX/XX/XXXX. This contradicts all previous phone calls. Also, I complied with the letter received on XX/XX/XXXX by emailing signed documents within the 14 day period. A new Fraud Case was opened and processed with my already signed affidavit. XX/XX/XXXX - Followup call to Fraud Dept - Specialist said I was not responsible for charges and a letter would be sent out. XXXX - Received Final letter from TD Retail Card Services Fraud Department dated XX/XX/XXXX stating that " We have closed the above referenced account to prevent its future use. You will not be responsible for any purchases made on this account. '' XX/XX/XXXX - Received Account Statement ( same account number as before ) with new transaction posted on XX/XX/XXXX. Called fraud dept and opened another case.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I received a collection notice in the mail. I called redcard direct to find additional charges on my card. Reported fraud at that time. No card has been received approximately XXXX months. Credit limit decreased {$3600.00} which affects total credit score. Negative report of late payments on credit report. After investigation, I have a credit on my account that can not be used due to no new card.
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Gredit Reporting Act ( Account Name & XXXX XXXX ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions. 15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of savoral laws under The Fair Credit Reporting Act
Company Response:
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I got a call from TD Bank about fraud charges on my debit card - 3 atm with drawls for {$260.00}, {$500.00}, and {$500.00} totaling {$1200.00} as well as 4 debit card purchases {$7.00}, {$79.00}, {$180.00}, {$680.00} totaling {$940.00}. I filed the atm charges separately as the purchases still haven't posted to my account but I then filed a claim once they did. I was only given money back for the atm with drawls claim. I made a police report and tried reopening the claim for the purchases 3 times, they refused to give me back the {$940.00} by claiming it was not fraud.
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to express my gratitude for your prompt attention to my previous inquiry regarding the late payments on my accounts. I am pleased to acknowledge that the late payment entries have been corrected, and I want to thank you for your diligence in resolving this matter. Your swift action in rectifying the reporting errors is greatly appreciated. I understand the importance of accurate credit reporting, and I am relieved that my credit history now reflects the correct information. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX XXXX XXXX XXXX a customer service representative. Once again, thank you for your prompt and effective resolution of this matter. I appreciate your professionalism and commitment to customer satisfaction.
Company Response:
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Good Morning : On XX/XX/XXXX I received a letter from Target Red Card Services saying that I hadn't made a purchase in awhile roughly 8 months with a XXXX balance on my card. Last purchase was on XXXX The letter stated that if I didn't make a purchase in a few months they would send me another letter reminding me of their closure policy and to allow me to make a purchase to keep the card open and my credit limit of {$4300.00}. On XX/XX/XXXX I had made a purchase then hand second thoughts cancelled the purchase and the remade the purchase. I ran into a problem which was finally revealed that my credit limit had been reduced by {$3300.00} and that I needed to get a XXXX to release the cancelled amount to make my purchase. On XXXX I sent an email to the XXXX heads of Target letting them know that I was an infuriated customer and that I expected to have my credit limit put back to {$4300.00}. I have heard nothing until today when on XX/XX/XXXX I received a letter dated XX/XX/XXXX that basically they were not going to nothing. Sorry, to bad nah nah nah. Here is the problem in their letter on XX/XX/XXXX they stated and I quote " If there is no new activity in the next few months, an additional correspondence will be sent to you to remind you of our account closure policy, prior to any action being taken. As a reminder your credit limit is {$4300.00}. '' End quote. the problem is that they did not send me a reminder letter and on XXXX they reduced my credit limit. That in turn hurt my credit score, and my credit rating. I called Target Rec Card Services the evening of XX/XX/XXXX and talked to a supervisor, who at first I was nice to and then progressively became verbal with because they made the mistake and caused me to have my credit reduced and as I stated to the supervisor, respect gets respect and I felt I wasn't going to or did I get any respect. So none given in return. Ask for the recording that was placed at XXXX XXXX XXXX XXXX ) and lasted for XXXX Minutes.
Company Response:
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a target credit card in the mail on XX/XX/2023 without my knowledge of this card being opened.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX I received a letter from TD Retail Services dated XX/XX/XXXX telling me that " A potentially suspicious transaction has been detected on your XXXX XXXX account and we need to confirm that you authorized all the charges ''. I did not open this account or have any prior knowledge of this account opened in my name. The next day I received a congratulation letter from XXXX XXXX XXXX with a credit limit of {$20000.00} and the account number. I called both companies and reported this as fraud. I was routed to a private home when I called TD Retail Card Services ( baby crying in the background and dogs barking ) The customer service I received from this person was unprofessional and rude. This only heightened my stress about this entire ordeal. I filed a case with TD Retail Card Services. Case number XXXX
Company Response:
State: OR
Zip: 97267
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted about a work from home job through email and when I replied they sent a text saying to get on XXXX XXXX for the interview. I went through the interview that lasted about 45 minutes with questions and then I got an email congratulating me on getting the job. After that they asked if I had a fax machine and other equipment and I had some but they wanted a specific laptop and data entry software and asked if I had worked with petty cash, but not until they had me fill out a W-4 and I9 and had a copy of my social security card and drivers license. They said they were the company XXXX. They then said they were going to send me a check to cover the supplies, when I asked where I would get the stuff they said they have a vendor that I just send the money to. They sent the check and I deposited it and told them I wouldnt do anything until their TD Bank check cleared. They said it would clear the next day even though I said it takes 2-3 business. The check cleared the next day and the money was in the account. I researched XXXX and saw that it was a huge corporation and totally legit and the check had their logo and address on it. I wired the money to a XXXX account with the name XXXX XXXX and the routing # XXXX acct # XXXX with a XXXX XXXX, Utah address which I have as well. That night my account was overdrawn and the people I was talking to said thats never happened before and their accounting department would fix it in the morning. They disappeared after that and I could not contact them. XXXX XXXX was the name I spoke with on Teams. I have all the emails from them and screenshots of the FBI report. The bank denied the claim because TD Bank took the money back and the wire was taken from the account and now my account is overdrawn and they took our money and they didnt overdraw the account of the perpetrator. I thought a had a job and not I dont have a job and our bank account is overdrawn.
Company Response:
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I initially went to TD Bank to take out money a the ATM at XXXX XXXX XXXX XXXX XXXX, XXXX DC XXXX location on XX/XX/. On the day before XXXX the atm ate my debit card, it initially said XXXX as if it was working, then proceeded to take my card and the screen went black. I figured it was working because the gentlemen in front of me used it with no issues. On XXXX, I was pretty frustrated because I had to go back to the bank to see why the atm did not give me my debit card back. I was patiently waiting in line to be seen. I asked the person working the front desk could I get a new debit card, he told me to sit and wait. I asked the person working why would I need to sit down to get another debit card when TD bank gives debit cards right then and there and I already have an account, so there would have been no need for me to sit down and wait for employee/manager. At this point, I am frustrated because of the inconvenience. Now, once i did not take a seat, I was greeted by a XXXX XXXX who claims to be the manager at this location. XXXX has no idea who i am or what my account was opened for, but she asked me to sit down and i did angrily. There were two employees at the front desk and one employee helping a customer at the are where they open up new accounts. As i am taking a seat XXXX leaves the building and does not return to help me or any other customers or her employees who may have needed assistance. By now, I am completely frustrated and belligerent because a 5-15 min task of getting me a new debit card has now taken 30 mins to an hour and i still left without getting a new card. XXXXXXXX XXXX left the building, they called the police on me and the police asked me to leave as i did. I am filing this complaint against XXXX XXXX for discriminating against someone who is diagnosed with a XXXX XXXX, my account was opened for my son to receive SSI and according to the Americans with Disabilities Act ( ADA ) I do not have to disclose me or my sons XXXX to her or in this complaint. I feel as though i was treated poorly and worse than others because of my XXXX XXXX and even if she does not know I have one she should be able to handle a situation respectfully without suspending someone's account on XXXX basis, because i was frustrated with the inconvenience of this supposed convenient bank. I tried to get a new debit card which i did, went to use it and was unable to because my account was suspended. I would take the necessary actions to sue XXXX XXXX in the case that i do have a XXXX XXXX and if i do not take my medication before an instance like this occurs i can not control my emotions, or can to a certain extent or until i do get my medication. Now, i will have the inconvenience of waiting to open another account with TD bank while all of my son 's checks get bounced back to Social security. I would like for XXXX XXXX to take a class/training on how to deal with customers who have mental disabilities because this will be a recurring thing for others like myself and my XXXX XXXX XXXX son. Instead of her closing the account she could have asked me to call customer service and they would send me another one which the police officer recommended. There are a lot of different solutions she could have taken other than suspending my account. She needs customer service training with all types of people because there are millions of people like me and my son who live with disability everyday and try to be normal class people. I appreciate whomever reads this note with an unbiased opinion because I will take action to sue if my account remains suspended for no noted reason, as well as will contact the XXXX XXXX XXXX and leave a complaint there as well. I could have went to any other branch to get my issue resolved without my account being suspended, just goes to show who will kick you when you are already down.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A