Date Received: 2021-11-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an account with Target credit card and the account was closed and charged off. I noticed the company is reporting the account information inaccurately on my credit report, so I reached out to the credit bureaus to let them know that the account is not reporting correctly and they continue to validate the account even though the information is inaccurate. I reached out to Target credit for the XXXX time on XX/XX/2021 and they failed to correct the account afteXXXX XXXX months of disputing this inaccurate account with them. They keep ignoring my request for an investigation. They refuse to delete the inaccurate information from my credit report. They continue to send me the same auto generated letters month after month in response to my disputes. They are reporting the account inconsistently. Each credit bureau reports this account differently. I found the FCRA 's XXXX 's XXXX that states that furnishers have specific obligations including reporting 100 % accurate information, not 90 % or 95 %. Target credit violated the FCRA by ignoring my request for an investigation and reporting inaccurate information to the credit bureaus.
Company Response:
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Trying to close on a XXXX with TD Bank. We were told in an email " You can schedule your closing at your desired location, time, and date, after XX/XX/XXXX. Please let me know what location and date you would like to close. '' We suggested XX/XX/XXXX ; we received the reply " I would not be able to hold this closing until XX/XX/XXXX. Documents on file will expire, I would also need to pull new credit and send the file back for underwriting review. '' When we asked for the specific closing date, we received the following reply : " You can schedule your closing the week of XXXX. Our branches are open except for XXXX. If you wait the following week I would need to pull all new documents, credit, title etc. '' We replied back : " To confirm : does this mean that XX/XX/XXXX is the expiration date and when we need to close by? I am aware that TD Bank is open next week ; however, that is a shortened work week combined with a holiday, meaning that it's logistically more difficult for us to come in to close that week. If we have to close by the XXXX, then Monday the XXXX at XXXX will work for us. '' This was on XX/XX/XXXX ; we never received a reply. We followed up with our local branch and were able to schedule a closing for this Friday. This was eventually resolved but I am concerned that we never actually received a straight answer to the question of when we needed to close by. If closing needed to happen by a particular date, why wasn't that mentioned in the original email, or any of the subsequent ones? If we were traveling this week, we might have had major issues trying to close this loan.
Company Response:
State: NH
Zip: 03820
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Target Red Card, which is their store credit card. For the last several weeks, every day when I try to log in to check my account balance, it would show that my account is locked out. I had been calling every day to have my account unlocked just so I can make sure the transactions are valid on my account, and to make sure my account is current. Today when I called the representative to get my account unlocked, she canceled my XXXX XXXX without me asking for it and said it would take 10 business days for them to send my new XXXX XXXX. I explained that this does not work as I need it sooner to do XXXX shopping. She then proceeded to expedite my card and then charged me {$15.00} without confirming with me if I agree to the charge. I asked her to either waive the charge or uncancel my old XXXX, but she refused to do either. I asked to talk to the supervisor. The supervisor could not give me a timeline when my account lock out issue would be resolved. In addition, she would not waive the {$15.00}. Then she hung up on me. I would like XXXX to please waive the {$15.00} fee for sending me my new XXXX XXXX or XXXX my old XXXX.
Company Response:
State: CA
Zip: 90063
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I set up my online account with the XXXX XXXX XXXX credit card backed by TD Bank. I made my regular monthly payment and set up automatic payments so that my payments would be automatically drafted from my account. On XXXX I get my statement that indicates that I missed a payment and have a past due amount of XXXX plus a late fee of XXXX. I called TD bank XXXX times on XXXX and asked to speak to a supervisor of the XXXX times I was hung up. The XXXX supervisor XXXX indicated that there was an issue with their online portal when making payments and setting up a reoccurring payment and that it was corrected now. Upon review of my account I noticed that TD bank reduced our credit line from XXXX to XXXX which has the card maxed out.
Company Response:
State: NC
Zip: 27591
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My TD bank was demarketed after a remote deposit was made through the app. It was my fault I did not clearly look at the check. So they decided to end there relationship with me. I have a balance of approximately {$XXXX}. This issue has been going on since XX/XX/XXXX, and we are now nearing the end of XXXX. I was told by customer service that I needed to physically enter the branch. I did so XXXX with spending over XXXX hours there with different stories being told to me, and no resolution. I have spent countless hours on hold with different departments from customer service to fraud. Please help me in closing this account and having the funds returned to me. In addition I did not receive any correspondence regarding my account being demarketed, which should have been mailed to me. I had to find out when I couldnt log into my account online, called customer service, and then told I had to physically go into the branch for more information.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I submitted 2 more complaints for the same matter which is : TD bank is holding {$28000.00} of funds that were in my checking account they closed on XX/XX/2021, 7 months ago. Their responses to My two previous complaints were first that they would return the funds to the sender XXXX which never happened and second that they would send me a check of that amount to my name at my address on file which also never happened. So basically td bank closed my account with a {$28000.00} balance which never gave it me when they zero the balance in it. I am attaching td banks responses to ly previous complaints about the same matter. P.S XXXX XXXX the customer care advocate who sent the responses never responded to my numerous emails and phone calls.
Company Response:
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2021-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
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 paid off my Target credit card with proceeds from a home equity line of credit. Twice Target rejected the payment. I used the same payment information for my other credit card companies and had no problem whatsoever. I had to move the funds to a checking account and pay them off from that. Target charged me {$29.00} for each payment and closed my account without giving proper notification which I am concerned will reflect negatively on my credit. There was {$60000.00} in the account where they repeatedly rejected the payment. There was no point in time where the funds were not there. I called their customer service and they acknowledged the problem, but refuse to fix it. Furthermore, since they erroneously closed my account I can not get access to my electronic statement. Every time I try to log in with my correct username and password, it insists on sending a secondary identification one-time password to my email, but the code repeatedly either shows up after the 15-minute expiration window or the passcode simply doesn't work. So now I do not even have appropriate access to my account information with which to provide you the dates of the payments and amounts. I have the following concerns : 1 ) Target negatively impacted my credit erroneously and categorically refused my rights to a credit dispute. They said they were willing to dispute the payment for the {$29.00} fee but would not even open a dispute for the credit reporting. 2 ) Limiting my access to my account information with which to properly dispute the credit mistake is a further violation of my rights to properly file a dispute. 3 ) When Target chose to close my account they did not provide appropriate notification of adverse action. How many other people are being denied their basic rights to a credit dispute? I would understand if they opened a dispute and we disagreed on the outcome, but Target categorically refused to even open a credit dispute. This seems to represent systemic problems complying with consumer credit protection laws. I'm a good customer with excellent credit and payment history. If this can happen to me I am concerned with how more vulnerable populations are being exploited. I would really appreciate the CFPB 's assistance in looking into this matter and fear the scope of this is more than a simple one-off. I really think this warrants a more broad review of policies, procedures, and front-line customer service training. I am concerned that their agents are operating without a basic understanding of the laws with which they are beholden.
Company Response:
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Had a past credit card debt that was to be settled. It got taken to collection and placed with XXXX XXXX. They
Company Response:
State: IN
Zip: 46322
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX XXXX BANK XXXX {$550.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
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 received notification on my credit report XX/XX/2021 that I had a late payment to TD Bank/Target of {$290.00}. When I checked my amount there was a zero balance. I called TD bank and spoke with an employee who told me she could take the late charge off but I would need to dispute the derogatory late report on my credit. I did an online dii I dispute, but was denied.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A