Date Received: 2022-01-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Events happened as follows in XX/XX/2021 I submitted my payment for my target card as usual on time. My payment was not honored due to a bank error. Once I was notified by target I paid the amount immediately with a representative over the phone I also sent target card services the bank letter with the information that my payment was not honored due to an error from the bank that the funds were available. The representative from target card services explained to me it was not an issue and the late payment would be corrected due to it being a bank error. Target credit card services is still reporting a late payment for XX/XX/2021, they never corrected the reporting.Here enclosed is attached copy of the banks letter.
Company Response:
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On several occasions, when I go into the bank with simple questions such as what is my balance is my payment past due is my payment due what is the payment amount. On numerous occasions I was unable to obtain any information or I'm given the wrong information. On XX/XX/2022, I entered the bank branch on XXXX XXXX in XXXX XXXX Florida. I requested information about my mortgage, to a teller that was a XXXX male in his XXXX maybe XXXX lb. Being unable to give me any information, he requested assistance from XXXX who I believe is the head teller. This process, once again, goes on for an extended time. Then Ispeak to a customer service representative. End result is, I was told, by all 3, the payment was not due until next month, the payment due date is the first. The XXXX being the last day to pay without being late. Note that I'm a senior citizens and at times I get confused, so I was uncertain. I thought I had not made the payment but I'm a limited income and they told me no payment was due. I subsequently received a letter from TD Bank dated on the XXXX. The letter states that I'm past due and they may make derogatory comments on my credit report. When I want to know is, are they required to be able to tell me information about my account. isn't that servicing part what I'm paying for? This is a failure in service of the mortgage, are they in breech of the contract? I've been in several branches, on several occasions, when they told me they can not tell me any information because this is an old mortgage from the bank they took over in the mortgage crisis. Also when I, last year, applied for credit for a mortgage for XXXX Bank, also on XXXX XXXX in XXXX XXXX, the branch manager told me the reason that I was denied credit was because TD was reporting my mortgage as revolving credit to the credit bureau. I originally had a home equity loan, that was converted or modified, I have no access to those funds and it is not a revolving credit and their DEROGATORY comments have caused me a loss. I have requested that they change these derogatory comments to be a mortgage instead of a revolving credit with no success. How's the bank today Friday XX/XX/XXXX New York on XXXX XXXX in XXXX at approximately XXXX noon. I spoke to the Head teller again XXXX she told me that everything she sees tells her that it was paid and I was not past due I was not overdue. I then spoke to an assistant manager. I showed her the past due letter. She was confused and seemed unable to comprehend my problem or offer any assistance that would be productive. I told her if derogatory remarks where made by td on my credit file, that I may sue. She didn't seem concerned. She offered a representative to confirm the payment was made, that it was not past due and I had already told her I just made a payment. Doesn't part of my mortgage fees, pay for service, in which I can get details or information about the mortgage? Aren't they required to be able to tell me details? Isn't there reporting to credit bureau and refusing to change the remarks, that My mortgage is not revolving credit, illegal?
Company Response:
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This TD BANK NA XXXX Balance : {$3900.00} account is undoubtedly placed as a charged-off account and unknown to me, make sure you tell me the reason why there is a {$3900.00} balance indicated on the statement if its a charge-off? The balance is truly incorrect.
Company Response:
State: CT
Zip: 06114
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A Target credit card account was opened in my name using my address and ss #. the phone # and driver 's license number were not mine. there was a charge for {$82.00} made on the account. I reported the fraudulent account to the Target credit dept. and they closed the account..
Company Response:
State: PA
Zip: 18976
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: AZ
Zip: 85006
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed an account on my credit report in XX/XX/XXXX from a Nordstrom/TD Bank USA . I notice it was a couple of late payments and it looked like it had been opened since XXXX of XXXX. I didn't know about this because I don't have credit monitoring services. I contacted Nordstrom on XX/XX/XXXX but I was told by customer service I would have to send in a fraud affidavit with the fraudulent information because I didn't have the account information. I sent over my fraud affidavit along with a copy of my ID and a letter explaining I was a victim of Identity theft, it was received by the credit bureaus on XX/XX/XXXX and was verified as accurate on XX/XX/XXXX. I never received anything from Nordstrom, not a phone call or a letter. On XX/XX/XXXX, I sent the same documents over to the bureaus and on XX/XX/XXXX, the account came back verified again and the same thing, nothing from Nordstrom. On XX/XX/XXXX I sent the same documents again to the credit bureaus and Nordstrom verified the account as accurate on XX/XX/XXXX. I am now sending documents directly to Nordstrom and filing a complaint because I don't know exactly what to do at this point. It is hurting my credit score and hindering me from obtaining any kind of credit at this point.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XXXX sent me a credit card which i did not apply for. I called them and cancelled the account. They said that my social security number was used.
Company Response:
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My payment is due on the XXXX of each month. On Saturday, XX/XX/XXXX, I logged in to my account with TDBank ( onlineaccessplus.com/tdbank/ ) and noticed they hit me with a late fee on XX/XX/XXXX. I tried calling, but naturally, they were closed because it was the weekend. I tried calling Monday, XX/XX/XXXX. After being on hold for 47 minutes, my call was disconnected. When I called again later that day when I got off work, they were closed. Tuesday, XX/XX/XXXX, I sent a message through their online center asking why I was assessed a late fee before the payment due date and they indicated they charge fees the day before it is due and then go back and correct if the payment is made? I have an attachment of a screen shot of this. This is not the first issue I have had with them where they had to correct fees. I feel strongly that this would fall under the " Unfair Deceptive Abusive Acts & Practices '' procedures. So, I made my payment as I normally due, but this late fee issue is something that is a concern and moving forward, now that I am setting up auto pay to come out on the XXXX, I don't want to have to worry about a fee EVERY SINGLE MONTH and then worry about having to check to see if it was corrected. I have had 4 payments due of {$58.00} since starting this credit balance with TDBank. I was told that payments of {$50.00} would start being due in XXXX. My initial purchase was XX/XX/XXXX. When I tried getting my payment due in XXXX, I was unable to locate anything showing due, so I paid {$50.00} to avoid being " late ''. Since inception, I have paid {$310.00}, all the while, my payments due were only XXXX. This means that my " balance '' should be XXXX. This is a 0 % interest account. As of right now, my balance reflects {$2500.00}. I spoke to a rep on XX/XX/28, who saw the issue and said they were clearing the 2 late fees assessed from XXXX. However, they waived both late fees and turned around on the SAME DAY and assessed another, when no payment was due.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XX/XX/2022. THREE ( 3 ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( 1 ) XXXX XXXX XXXX XXXX ), ( 2 ) TD AUTO FINACE, ( 3 ) XXXX XXXX I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.
Company Response:
State: PR
Zip: 00682
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2021 {$1.00} XX/XX/2021 {$44.00} XX/XX/2021 {$22.00} XX/XX/2021 {$44.00} XX/XX/2021 {$9.00} XX/XX/2021 {$86.00} XX/XX/2021 {$86.00} XXXX deactivated my previous credit card with new one.
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A