Date Received: 2021-10-18
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 item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: My Credit Card information was stolen which I immediately reported to TDBank. They said they would send a new card out this was on XX/XX/XXXX. After 2 weeks I called back and they said they will send out a card on XXXX XXXX. after 5 business days I called and they still never sent out a card, They now say it was sent out on the XXXX because my address was not validated. I have used this address for the past 7 years and now not validated? I am bringing this attention to Consumers who are considering doing business with TDBanl as well as the Corporation so that they can look into the matter as well. I believe replacing the card immediately is the correct procedure and want to know why I was signaled out and not sent a card?
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: There are two separate incidents inXX/XX/XXXX where I found on my bank statements that target cleared my credit card payment by converting my check and then submitted the physical check to my bank. Two separate incidents occurred where Target used the same check twice. The same check was cleared for payment from my bank account as both a converted check and then a physical check. The dates of the incidents : XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a converted check. XX/XX/2021 check # XXXX written to Target for {$800.00} cleared my bank account as a physical check. XX/XX/2021 check # XXXX written to Target for {$800.00} was reversed once to correct the double payment. Target was unaware that check # XXXX for my credit card payment had been cleared from my bank account twice. My Target credit card statement did NOT indicate the two payments deducted by Target using the same check # XXXX. The payment was only credited to my Target credit card balance once. I had to send Target proof of their mistake before the money was refunded. XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a converted check. XX/XX/2021 check # XXXX written to Target for {$200.00} cleared my bank as a physical check. XX/XX/2021 I called Target again to ask them to correct the clearing of my payment as a converted check and then as a physical check. I told them this was the second identical mistake in less than a year. I am concerned this same issue could go undetected by other Target credit card holders. At this point I am not certain if this mistake by Target is incompetent business practices or intentionally collecting money twice from their customers. I would like this situation investigated to stop this from happening to anyone again.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I created a new TD Bank account inXX/XX/XXXX and I have been waiting on a debit card from the mail since then. This is my second time requesting a card, but I never received one both times. For the second attempt, I believe the card and PIN was misdelivered and is currently being used fraudulently by someone else. The transactions were made between XX/XX/XXXX to XXXX, XXXX in the total of over {$7000.00}. After the first transaction of XX/XX/XXXX, I called the bank on the morning of XX/XX/XXXX to report the fraudulent charges and cancel the card, however transactions were still being made on the card. These charges continued until XX/XX/XXXX. A full list of known charges has been attached to this complaint. Since I do not have access to my online banking, I'm not able to track these fraudulent charges myself and I obtained this list through an agent on the phone. Later that afternoon on XX/XX/XXXX, I was locked out of my account, leaving me without access to all of my savings. I am a current student at XXXX, and I have been unable to pay tuition due to funds missing from my account, as well as no way to access my bank at all. I am unable to pay bills or transfer money. I have called TD Bank every day for the past week, and they were unable to help me, only leaving me in circles. Some agents tell me the charges will be disputed ; others tell me that I am able to go into a branch to get my online banking unlocked. However, upon calling a physical branch, they told me they are unable to unlock my account for me and transferred me back to a call center agent. Later, the call center agent said that my account is being demarketed and cancelled. The Demarketing Team has not returned any of my voicemails and I have not heard from that team at all whatsoever. I have not received any of my lost funds back from the back, and TD Bank is attempting to cancel my account with all my savings inside, despite this being an issue they caused. I only recently opened this bank account in XXXX, and I have had issue after issue with TD with no one to help. Their customer service is terrible, and all their agents are useless in trying to understand my situation. No action was taking by TD to try to protect my funds. Even though their " fraud '' detection sent me a text to my phone about potential fraudulent charges, they did nothing to stop the charges. I have been locked out of my own bank account with no way to verify myself, because of TD 's " security features '', however their " security features '' were not enough to stop the thief from making thousands of dollars of transactions. Currently my bank account is still locked and I do not have access to any money.
Company Response:
State: CA
Zip: 943XX
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TD Card Services TD XXXX card was cancelled in XXXX. The card also expired in XXXX. On XX/XX/XXXX, a vendor was allowed to force through a charge for a subscription renewal in the amount of {$24.00}. If the vendor wishes to receive payment, the vendor must request new payment information. If a card is cancelled AND expired, a credit card can not be billed for services that have yet to be rendered.
Company Response:
State: NY
Zip: 12065
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I issued a charge dispute with my bank and credit card company, TD Bank. The purchase was a washer/dryer set, purchased on XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Cost was {$1000.00}. The set was installed on XX/XX/XXXX and the dryer did not work. We tried multiple times to resolve with the seller and after the seller stopped returning our calls, and failed to show up for a repair, I filed a dispute with TD Bank on XX/XX/XXXX. I was told by TD Bank I would have a written notice of the dispute in 30 days, and resolution within 90 days. I have received neither. It is important to note I called TD Bank frequently to get updates since the dispute was filed. Since the 90 days was up, I called XX/XX/XXXX and asked to speak with a manager since there was no update and I was promised a return call. I received no return call. I called again XX/XX/XXXX and made the same request. I received a voicemail message on XX/XX/XXXX and I called back same day XX/XX/XXXX and was told the investigator had additional questions. The questions were repeats of the original dispute I filed. It seemed to be a delay tactic or they did not read the dispute records. TD Bank has failed to follow dispute settlement procedures provided by the Fair Credit Billing Act ( FCBA ) and I want resolution. Thank you.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Charge on XX/XX/2021 ( {$330.00} ) Notified Target Credit card dept. about the unauthorized charges made. I did not make those charges. Target credit card gave preliminary credit And after sent me a letter in the mail XX/XX/XXXX that the charges are valid.
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Violated the Truth in Lending Act when the transaction included a finance charge and finance charges that included additional insurance ; willfully and knowingly failed to provide/disclose information required under provision of Title 15 USC section 1601 ; Violated 15 USC 1681 ( a ) ( 4 ) - by unauthorizing reporting consumer information to several consumer credit reporting agencies ; Never authorized any reporting of consumer information to any consumer credit reporting agency 15 USC 1681 ( a ) ( 2 ) The contract included a statement written in a conspicuous place : " UCC 3-415 '', the terms of the contract were clear according to UCC section 3-415 ( b ). The seller acceptance and deposit of this contract/security meant the alleged debt was full satisfied, yet they continue to collect on the alleged debt, that included repossession of the vehicle. Sent several written communication that stated that they were attempting to collect a debt in violation of 15 USC 1692 Refused to release the MCO Title upon Consumer Demand
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX XXXX : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively XXXX My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : XXXX Fair Debt Collection Practices Act : XXXX : //www.ftc.govXXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX ACCOUNT # XXXX I apologize for the confusion on my original dispute. The truth is that there are issues with every negative item on my credit report. The reason is because I am not the authorized responsible party on any of the previously posted disputes. Therefore, I request the following procedure for the above posted creditor : 1 ) Please review who the responsible party is on the credit tradeline. 2 ) If I am only an authorized user, then the tradeline on my credit, and the corresponding collection will also need to be permanently deleted. 3 ) I must be given notice that a release of responsibility has been sent to me in written form for my records. 4 ) I have full appreciation to the CFPB for your great help in this matter. 5 ) The above referenced account and/or collection must be deleted. The responsible, if any would be my husband, who was only trying to help his wife establish credit. It did not work out as planned. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Target / TD Bank is reporting a charged-off account to XXXX that I was never responsible for. I was only an authorized user of the account and now that it has charged-off, I can't be removed from the account. This is hurting my scores and making it impossible for me qualify for a loan.
Company Response:
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A