Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company listed on my credit report is TD Bank/Target Credit. This was discharged in Chapter XXXX Bankruptcy but was never removed from my credit report. Their address is XXXX XXXX XXXX, XXXX, MN XXXX. Please advise. Thank you. XXXX XXXX
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a long standing customer of TD Bank since 1994. I have multiple accounts, of note, my savings account. TD Bank has charged {$81.00} in excessive transfer fees for each transfer conducted from my savings account. With the Pandemic, I have significantly limited the in person interactions due to my health and being high risk. Also, as I understand it, Reg D had been repealed and I was under the impression that such fees would be waived due to COVID. Further, when speaking to the representative, she indicated that letters were provided to TD Bank customers regarding the " restrictions '' ; to date, I have not received any letters regarding these transactions. I requesting a refund for the fees that I was assessed, for which after speaking to a branch manager, a call center rep, and then finally a call center manager, was finally refunded. Its unfortunate that TD Bank does not take better care of long term customers or work with such customers to retain the relationships. Despite the fact that the fees were refunded, I will be moving my accounts elsewhere.
Company Response:
State: MA
Zip: 01854
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to REMOVE immediately. Here is the incorrect account : TD BANK USA/TARGETCRED XXXX
Company Response:
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. NORDSTROM/TD BANK ***** Opened XXXX XXXX, 2014 Balance {$690.00} // Late Opened
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
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: TD credit card is not shown in any of the credit reports from XXXX, XXXX and XXXX because the account was deleted by TD Bank. As a result, my credit score was affected severely. I reached out to TD bank multiple times and they replied with a letter saying that they found an error ( attachment 1 ) and will fix it in 60 days. After 130 days the error was not fixed and I reached out to TD bank again and this time they replied saying : " they are reporting my credit correctly ''. After 160 days, I still can not see my TD credit card in any of the credit reports from XXXX, XXXX and XXXX. I called XXXX and they confirmed that they haven't received communication from TD bank to fix the error. More details : 1- In XX/XX/XXXX I got TD bank secured credit card after depositing XXXX $ security deposit. 2- I had a very small fraud on my TD bank secured credit card XXXX around XX/XX/XXXX. 3- I replaced my secured TD card number XXXX with a new number in XX/XX/XXXX. 4- The fraud did not affect my credit monthly statement, but I mistakenly assumed my credit score was affected and I filed a dispute with XXXX. 5- XXXX reached out to TD bank regarding my dispute and TD bank replied with the following statement : Our customer was a victim of fraud. TD bank then DELETED my account with XXXX, XXXX, and XXXX. ( Please see attachment 2 : Investigation Result from XXXX ) 6- I have official credit reports from XXXX XXXX XXXX, and XXXX and I do not see my TD credit card in any of them ( attachments 4, 5 and 6 ). I sent all this information to TD bank credit dispute department on XX/XX/XXXX so they can fix the issue. 7- TD bank replied with a letter on XX/XX/XXXX, saying that they found an error ( attachment 1 ) and they fixed it and I should be able to see my credit card on credit reports in less than 60 days. 8- After 130 days the error was not fixed, and I reached out to TD bank again and this time they replied saying : " they are reporting my credit correctly '' ( attachment 3 ). 9- After 150 days, I still can not see my TD credit card in any of the credit reports from XXXX , XXXX and XXXX . I called XXXX and they confirmed that they haven't received communication from TD bank to fix the error. 10- Also, as a result of not fixing the error, my secure credit card was not upgraded to a regular credit card and the XXXX $ initial deposit I made in XX/XX/XXXX is still being held ( I have zero late payments and my current score is very good being above XXXX ). I was charged the annual fee of the secure credit card in XX/XX/XXXX. XXXX XXXX me a letter with the result of their investigation ( attachment 2 ). It mentions that TD bank deleted my account associated with TD card XXXX. As of now, all official credit reports from XXXX, XXXX and XXXX do not show my old or even my new TD credit card. I have reached to XXXX many times and they said they can not do anything to show back my TD credit card because the deletion process was initiated by TD bank. They said they are currently receiving monthly statements from TD bank for my credit card but that will not be of any value because the account was already deleted. XXXX advised me to reach out to TD Bank and they also said that TD Bank Insertion Department can handle this situation. After I checked all other credit bureaus, I found that XXXX and XXXX do not show my TD credit card so I am convinced that TD Bank deleted my account from all three bureaus.
Company Response:
State: MA
Zip: 01854
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In XXXX of 2021 I had use a credit card from td bank I was doing good on my payments but then I had a family XXXX in the family because of XXXX and I could no longer make payments. I called td bank credit card services and they said we can help I had someone call me XXXX XXXX in the morning took my information and then the next day I was denied. The rep never told me that I had to wait 9 months to get help. I blame td bank for this because they told me not to pay the bill until it is late so they can help me with the bill. LIES not only did they tell me thats not there policy they dont help you unless its 9 months now they put late fee after late fee. When I tell them they were the ones responsible they just write me hate mail stating if you dont pay your bill will be forced to send it to a collection agency. Basically Im being threaten Im XXXX a senior why are they doing this they have no heart. They sent me a rep named XXXX he was the worse rep he did not try to help me at all all he kept telling me was about there policy and apologized for someone who didnt know there job. Td bank wont help me they havent even tried to take off any fees when they said they did take off fees it was only towards the bill itself not the bill installments. Even tho the rep gave me the wrong information td bank is suppose to honor it. They dont want to honor it because they want the bill to go high enough where it can go to an agency. They keep telling me on all the letters they sent we can help if you cant pay your bill but every time I call the number they keep saying 9 months thats are policy and hang up on me so its just lies they dont want to help me at all. Im paying what I can pay Im tired of them harassing me.
Company Response:
State: NM
Zip: 88101
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a checking and savings account in order to receive bonuses for each account. I met all of the criteria but the bank is refusing to pay me the bonus. The promotion states that the offer is eligible to customers who have not had an existing or prior account within the preceeding 12months. I did receive the bonus for the Savings account which has the same requirements. I have called 3 times now and I keep getting the run around on the XXXX dollar checking account bonus. I met the requirements for that on XX/XX/21 per the agent and should have received the money 90 days after that.
Company Response:
State: NY
Zip: 14701
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ive been current on all my payments to Target and it is being listed as late for two months ( XXXX and XXXX ) and that is incorrect.
Company Response:
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This card is incorrectly labelled as a credit card. It should be labelled as a retail store card because it can only be used at Target ( it is not a Visa/MasterCard to be used anywhere ). Certain banks, such as XXXX, make credit decisions based on the number of credit cards open recently, but exclude store cards.
Company Response:
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: My checking had no fees for payments to oversees merchants, but after making international payment and incurring {$58.00} fee, I found out about updates to the fee schedule on my Visa Debit Card. Upon complaint to the branch manager XXXX XXXX, I am told that the new update was allegedly disclosed to me last year. I found no such information using means of communication available to me, including email, postal and mobile banking application.
Company Response:
State: TN
Zip: 37620
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A