Date Received: 2021-10-23
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Is I applied for alone on XX/XX/XXXX. I never heard a word back from this company. On XX/XX/XXXX I received the email with my Notice of adverse action letter. Per the XXXX, thay have 30days to send this letter not 11 months. Beware of TD Bank
Company Response:
State: KY
Zip: 40215
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I have two target red cards, a debit card & a credit card. At this time I always just used my debit target red, because it come straight out of my bank account and I still receive the 5 % off all purchases. I purchased a {$7.00} sweatshirt with the target app. And Im not sure if there was an update to the app that switch it over to my credit red card, but the purchase went to the credit red card instead of the debit red card. I hadnt used my credit target red card in forever, so I to my knowledge I had no balance on the credit card. So 4 months later I checked my FICO score on my XXXX app and my credit score dropped from an XXXX to the low 600s. I paid the {$7.00} + {$3.00} in late fees to target, but I cant get this mistake off my report. And Ive been trying to get my credit score back, but after 2 and half, 3 years My score is XXXX. Im so frustrated bc I definitely had {$7.00}, but I had no idea it was on the credit target red card. Please help me.
Company Response:
State: NE
Zip: 68116
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have always made my payment on time each month and in XX/XX/2021 I paid my card off in full. My limit on the card was {$600.00} and then in XXXX my limit was decreased to {$300.00}. I noticed this in XXXX and called Target to ask why they had decreased my limit. They could give me no explanation and wanted to do another hard pull on my credit to try and raise the card limit back to what I was originally approved for. All of my other credit cards are also in good standing and I make all my payments on time. I do not understand why Target lowered my limit when I have been a good customer. This obviously makes me want to do business elsewhere and I am contemplating closing this account.
Company Response:
State: OH
Zip: 45013
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Monday XX/XX/2021 multiple charges were made on my checking account totaling {$900.00} dollars. I called TD bank to report fraud I was told I had to wait 24 hours before I could report. I called back on XX/XX/2021 and the phone representative said they couldn't help me. I went to the bank itself on the XXXX, to finally report in person and receive a new card. Still haven't gotten my money back and Td is provided me with no help
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: My Name is XXXX XXXX Phone number is ( XXXX ) XXXX Email is XXXX I sent {$10000.00} usd to XXXX as XXXX dollars it should have been the same amount that was sent received. Instead in XXXX my mother received {$700.00} less than the {$10000.00} that should have been received. I am very upset about this I tried going to the branch at TD bank in XXXX XXXX XXXX, NY. I spoke with the representative she told me she would send an email and call me she did but I was told by her and her manager that they are very sorry there is nothing else they can do about it.
Company Response:
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD AUTO FIN XX/XX/2017 {$0.00}
Company Response:
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: PLEASE REMOVE 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 2. Identity Theft XXXX XXXX T Date of inquiry : XX/XX/2020 This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 4. Identity Theft TD AUTO FIN Date of inquiry : XX/XX/2020 This is not mine. 5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid off a promotional balance on XX/XX/21. The balance owed on the promotion was {$180.00}. I paid {$180.00}. I was charged {$81.00} in interest. I tried to have this rectified the following month when I saw the interest charge. I sent multiple messages in regard to the interest charge. I sent another message on XX/XX/21 for a status update was told to call. I called and spoke with XXXX, then a supervisor XXXX ( female ) telling me a letter was mailed to my home which I never received stating the interest charge is valid. XXXX said that because I did not pay over the minimum each month, I owed the interest which does not make sense if I paid the entire balance of the promotion off in time. It shouldn't matter that I did not pay more than the minimum each month if I paid off the entire balance of the promotion before its expiration. I have been charged interest since XXXX so I would like reimbursement of {$90.00} and any additional interest I am charged in the meantime while this is investigated.
Company Response:
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I had a fraudulent charge on my debit card from XXXX XXXX ( XXXX XXXX ) I reported it to my debit card company TD bank to investigate. The case was closed without an investigation and/or request for evidence. I would like TD to evaluate my claim for the return of stoled funds from my account although I requested a stop of the transaction when it was pending. I was advised by TD bank to wait until the transaction was posted to dispute it and stop the transaction. I would like an investigation into this fraudulent transaction and return of the funds to my account.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Company Response:
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A