Date Received: 2022-03-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have had a target credit card and paid my bill using a debit card. I set up auto pay for future payments. I did not realize until I called, after receiving a letter in the mail, that my bills were not being paid. When I called Target XXXX XXXX they said auto pay was not set up and they were sending EMAILS only to notify me. I DID NOT receive the emails or I would have known and paid. I have worked very hard and have great credit. I then received a letter from XXXX a debt collector. When I received this in the mail, I called and began to sort this all out. I paid off the bill in full immediately. However, this is also affecting my credit score negatively. When I looked up my credit score it was lowered by XXXX points and also showed that Target reduced my credit limit from {$1500.00} to {$300.00}! I have never not paid a bill I owe and I was not receiving the emails they claimed to be sending, and I believe this is unfair. I have paid the entire bill off including late fee but do not think it is fair. I would like somehow to have my credit adjusted through the three main credit reporting agencies ( XXXX, XXXX, and XXXX ).
Company Response:
State: FL
Zip: 32720
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was offered to sign up for the Target Red Card in store by their Cashier at their Target Location in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. She had informed me that all i needed to do was provide her with my information and she would place that application through. She had informed me i was approved for the total of XXXX credit Limit and that i can start using it before my card arrived with some recite. No other information was given to me but that. A couple of business days later my card had arrived and was able to use it. Yet i was not informed of what my interest rate would be or what even is the amount of time i have before i would be charged for interest none of that was provided to me. I then began to receive phone calls from their collectors informing me i had debt to pay i was aware of the XXXX XXXX i needed to pay because that was the only transaction i had done with the card later to find out i owed late fees. I own other cards i have an excellent on time paying record showing i would never make a payment that is almost a whole entire month late is has ruined my credit and i have contacted their customer support only for some so called higher up let me know it's my problem and and if i was smart enough i would have searched it up. That is the worst i have ever had to deal with.
Company Response:
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello to whom this may concern. I'm making this complaint on behalf of my self. I extended my credit to TD AUTO FINANCE which TD AUTO FINANCE stated that they're unable to provide me with an offer. I don't understand how I a consumer can be denied an extension of my own credit. I've contacted them about the matter where they ignored my request to resolve the matter. I think it its unlawful according to the Equal Credit Opportunity Act for a consumer to be denied because I exercised my rights with good faith in accordance with chapter 15 of the United States Code. I'm sure together we are able to resolve the matter within a reasonable amount of time with out causing further damages as there is civil and criminal liability for this behavoir. Please see attached documents that have been sent to TD AUTO FINANCE.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
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: There are five invalid transactions showing on my bank statement and I would like to get it fixed as soon as possible. On XX/XX/XXXX, {$20.00} was deducted for American wager XXXX NY, which I am completely unaware of. Second transaction occurred on same day, it was {$5.00} deducted for XXXX XXXX Third and fourth transaction took place on XX/XX/XXXX. It was {$25.00} that was deducted for XXXX XXXX XXXX XXXX and {$5.00} was detected regarding XXXX XXXXs. Last but not least, today a new transaction occurred for XXXX XXXX and it was {$25.00}.
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and all of my information was compromised including my social security number, my bank information and other sensitive information.I reached out to all three credit agencies such as XXXX and XXXX to have Fraudulent items removed such as XXXX XXXX XXXX, TD Auto Finance, XXXX XXXX XXXX XXXX, And XXXX XXXX XXXX XXXXXXXX in which I was not responsible for these items along with citizens bank and Also XXXX XXXX XXXX XXXX XXXX which is a closed account that is still reporting that was fraud .According to the FCRA it is within my rights to have negative items removed in which I had no knowledge of.
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: TD Bank mistakenly mailed a {$1300.00} check to XXXX XXXX that was supposed to go to my utilities company. The check came from my personal bank account with my name and home address. It was made out to XXXX XXXX XXXX XXXX and had an account number on it that matched a XXXX store card that I had closed years ago. XXXX XXXX decided to apply that payment to my business account, where the checks are made out to XXXX XXXX Bank ( NOT Retail Services ) and has a completely different account number. I called XXXX XXXX as soon as the payment posted and requested that they send the money back to my bank account since it was obviously an error, it was made out to a different department, it had a completely different account number, and it was obviously a personal check that did not have the name of the business on it. I was told by XXXX XXXX that they would only be able to refund the money if the request came from TD Bank. I made the request through TD Bank and received a message that said " Our Bill Pay Provider has spoken with XXXX XXXX XXXX XXXX and it has been determined that in order to resolve this, they are requiring a conference call with our Bill Pay Provider and yourself. At your earliest convenience, during a time when your biller would be open, please call our online banking department at XXXX to initiate this conference call. Our online agent will then verify you and connect you with XXXX XXXX XXXX XXXX, and then contact our Bill Pay Provider while you and your biller are both on the line. XXXX XXXX XXXX Services will not speak to us without you on the line. For further information in regard to this payment, please respond to this message or contact us at the telephone number below. Please be sure to reference Bill Pay Case ID # XXXX. '' I called that number and, after more than two hours on the phone, I was told by a TD Bank representative that they can not do the conference call that they told me themselves was required and that, even though this was their error, the only way to solve the problem would be to take XXXX XXXX to small claims court. It has now been almost a month since {$1300.00} was removed from my account at their error and I just want my money back.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
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 called target customer service via the number on the back of the card on friday XX/XX/XXXX. I asked to speak to someone about the late payments that were reported to my credit in XXXX, XXXX, and XX/XX/2021. I also explained I am trying to buy a house and those XXXX late payments are stopping me from doing so. I explained the company I worked for made us take a cut in pay due to co-vid 19. I emailed the ceo to ask for forgiveness doing a time I was not working. I received a letter from target stating they are not able to remove it from my credit report out of good will.I
Company Response:
State: LA
Zip: 70114
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was interested in buying a horse. I searched XXXX for horses for sale near me. XXXX XXXX showed up on my search. I contacted the site using a contact us on the website. A gentleman named XXXX XXXX emailed me back and was very convincing on buying and shipping me the horse I was interested in. After several emails back and fourth he convinced me to wire transfer XXXX USD to an address TDBank in XXXX XXXX Texas and to his accountant named XXXX XXXX. After the wire transfer I received a call from a friend in Arizona who said he had seen the same horse I was interested in on another site in AZ. I then checked XXXX and found this same guy had scammed thousands of dollars from innocent people like myself. I then emailed the scammer back and asked for a refund. Never heard from him again. I searched the fake website to XXXX and found the scammers address to be in XXXX. Please help to recover my money! Just so you know I filed a police report and also contacted my bank fraud department and filed with the FTC and FBI ic3 complaint. I have tried everything to try and get my money back to no avail.
Company Response:
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
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: TD Bank is saying that I authorized purchases in which I did for the amount of {$500.00}, however, {$1300.00} was charged by the merchant and I only used {$500.00}! Td bank is telling me an error didnt occur when I know for a fact that it did! I only authorized {$500.00}!! They dont send any proof or anything for the transactions all they do is tell me and Im supposed to be ok with that! No, I am not ok about something that I did not authorize enough is enough! I can not afford to pay for something that I did not do! I find this extremely disturbing that they have no proof but are trying to take the money out of my account! Public information is not proof of a purchase, my name and address? Come on I have a public record and you can get that information from there without any of it being redacted!
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: TD bank is involved in this large fraud as I am not the only one. Two accounts were opened for me, a checking ( I got these checks in the mail ) and a XXXX XXXX. The account was opened in XXXX when I called the bank they said it was opened on line, so there was no way to track how it was done. There was no help from them actually extremely rude. And later I found out that this couldn't even be done over the phone and I needed to prove to them who I was. SO I asked when I supposedly open the account how did someone proved it was me then. It was done on line they said, so I can't close it over the phone but you can open it without a pic ID? Of course I immediately called again spoke to the fraud dept. but heir costumer service which transfer me they did so to everyone under the sun, yet no one that was really in charge. Finally someone said we are closing this account, report it to your credit bureau and the police if you want, and freeze your credit report. After I thought the matter was done I got checking books, statements with an amount of {$5.00} and more statements letting me know that there was a transaction one XXXX a person called XXXX XXXX sent {$10.00} with 2 different transactions. Later more statements letting me know I was overdrawn {$5.00} I have received statement after statement although I called them to close these accounts again and again and even went personally to a branch to resolve this problem, today the end of XXXX I am getting more statements. I asked how can this be done without any ID? I don't know it was her answer, extremely rude woman here in XXXX XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A