Date Received: 2023-11-02
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In approximately XX/XX/2023, I purchased a XXXX XXXX from XXXX I was offered a credit card through TD Bank with low payments and no fees or interest if payments were made on time. I did not receive any statements or emails. I received a call in, I believe XXXX. I asked for statements and fees to be removed. I was told, " we don't mail statements that we already mailed. '' I was told if I paid approx {$36.00}, the fees would be removed. I paid the amount. I received a statement and tried to log in to account. A message came on screen no such account exists. I've called and can't get anyone to talk to me. I am now getting emails saying I need to make a payment, I had no way to login and no address was provided for me to mail a payment. I have email ( s ), but am unable to attach to this complaint. Can forward if need be.
Company Response:
State: WA
Zip: 98532
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Nordstrom/Td Bank {$2200.00} for a credit card I never received due to XXXX XXXX XXXX XXXX XXXX my USPS mail XXXX She stated she charged {$5000.00} and Nordstrom credited {$2500.00} back per Fraud department. ( XXXX ) I reported this identity theft in XXXX to FDIC, local white XXXX XXXX police XXXX XXXX XXXX # XXXX who has body cam footage of XXXX XXXX XXXX stealing my card at XXXX XXXX XXXX, XXXX, Nj XXXX. On camera XXXX XXXX XXXX used it inside Nordstrom XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Store # XXXX XXXX XXXX, Store Manager XXXX I went into the store and spoken to security who stated in front of XXXX XXXX police XXXX XXXX XXXX XXXX on body cam she used my credit card on camera XXXX XXXX XXXX ( XXXX ) XXXX I called XXXX, to XXXX XXXX XXXX. I had the FRAUD dept investigate this in XXXX, it was charged off XX/XX/XXXX.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: TD Bank 's Cash Credit Card has continuously locked my card without my permission. The bank does not allow me to change my address over the phone, everything must be done in person. I made a two accidental payments on my card. I asked an employee to reverse the charge. This was done. The funds were then left on my account. Then company then proceeded to charge me hefty interest fees and late payments in order to obtain the funds.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 2. Provide me with written confirmation of the results of your investigation. 3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 5. Provide me with an updated copy of my credit report once the corrections have been made. 6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
Company Response:
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have just learned that my identity was breached and data was hacked through XXXX 's website. I have had ongoing issues with XXXX sending me pings at various times when I personally am not on their website or using any services online. This was the first sign that something was wrong then I kept getting my XXXX card declined because of Fraud again and spent over 35 hours on the phone with them paying extra fees to have new cards expedited to me so I could pay bills. I also noticed on my credit report that my data was distributed on the XXXX XXXX. I am currently in school and will be graduating soon and am also in the market to buy a house for me and my XXXX daughters. I am a single parent who is struggling financially and can not believe I have this many issues with credit cards, that I also had to call and have charges removed multiple times ( 35+ hours ), that is to XXXX and XXXX XXXX over the past year. I am severely affected by all of this and sometimes feel XXXX and XXXX due to the amount of harassment from the credit card companies with no resolve. I chose to walk away and file with a debt management company out of desperation. I don't know where I went wrong until I found out about my data/identity theft yesterday XX/XX/23 on the XXXX website now it all makes sense. And why did nobody tell me earlier this is disappointing and scary! If my data is already being used elsewhere my business is also at risk. I am a business owner and recently signed up on the XXXX and XXXX website that also reported suspicious activity that was unknown but a large amount of unknown information? Where do I get resolve I am only one person work full-time and attend school online ( XXXX ) and am worried my student loans may have been impacted too. I don't know where to start or to end because I have had multiple inquiries on my credit report recently I wouldn't know where to start. This data breach is ruining my chances of ever owning a home or making large life purchases and its not only one card or one loan its multiple accounts please help.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have only had two purchases in 2023 on my Target RedCard XXXX : a purchase for {$3.00} on XX/XX/XXXX and a purchase for {$2.00} on XX/XX/XXXX. Presumably due to the small balance on the credit card, I was never notified by Target that there was an outstanding past due balance on this account outside of emails notifying me that a monthly statement was available. These notices contained no indication of the account status and looked exactly the same as months where the account was inactive with a {$0.00} balance. Target then continued to make no attempt to notify me that the account was past due, while charging a $ XXXX/month fee until XX/XX/2023, when the fees caused the account balance to cross an arbitrary {$10.00} threshold. Once the account crossed this threshold, a past-due account was reported to all the credit agencies. Upon seeing this notification on an app monitoring my credit report, I immediately paid off the account and contacted Target to perform an investigation as to why no attempt was made to contact or notify me about the past due account earlier. I have launched investigations into this matter through the company, the XXXX, and various credit agencies, and each time Target solely claims that they must " report accurate credit info '' and have not adequately investigated whether the low balance prevented whatever notice of past due accounts that are normally sent from being sent to me. I also maintain that Target is falsely claiming that they are not investigating the matter due to the credit reporting being " accurate '', as they did not report the account was in a negative state for several months until it had crossed some arbitrary balance threshold.
Company Response:
State: IN
Zip: 46202
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened TD bank checking account together with saving account on their bonus page back in XXXX. New checking customers Earn {$400.00} when you open a new TD Beyond Checking account. Earn {$400.00} when you have {$2500.00} in qualifying direct deposits in 60 days. Pay no ATM fees when you maintain a minimum daily balance, earn interest and waive the minimum balance fee in three ways, including direct deposits. There was a {$400.00} checking account and {$200.00} savings account bonus. But I only received the {$200.00} for the savings account. When I called earlier, they said they will credit me the bonus on or before 180 days for sure. I have completed the direct deposits within the required time. They said the bonus will be credited to my account with in 180 days, but now it is way over 180 days and I still didn't see the bonus. After conversion with them, they said this is not a public offer and won't give me the bonus. But I indeed opened both account through their welcome page and it was a public offer for sure back then.
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX my phone was stolen and the scammer sent themself {$720.00} through XXXX XXXX in multiple transactions that I did not authorize. My checking account was overdrawn and I immediately filed a dispute with XXXX but was denied because they said I either authorized or knew the person who I sent the money to ( neither is true ). I then filed a dispute with TD Bank who denied my claim on the basis that I benefitted or authorized the transaction, which I didnt.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened this account with XXXX XXXX around XX/XX/XXXX and I had a Credit Limit {$3200.00}. In XXXX I purchased a XXXX XXXX for {$240.00} and I setup AutoPay, In XXXX, XXXX my balance was XXXX " XXXX '' thru XX/XX/XXXX when I purchase a New Phone for {$630.00} after Rebates and deductions and had AutoPay still turned onXXXX while checking my Credit scores, I noticed a significant drop in my XXXX score on XXXX. I examined where the cause of the score drop was and it indicated it was from XXXX XXXX. I immediately called XXXX XXXX and spoke with someone in account services and they transferred me to their credit services division. I explained that my AutoPay was still on and active when I signed into my online account and my payments weren't debited for two ( 2 ) months like they were in the past. The person told me that once my Account reaches XXXX XXXX XXXX '' balance, I have to go back online and turn-off and turn-on AutoPay again for it to be reset. I told her none of my other credit cards doesn't operates that way, but she insist that what I should have done. She said there's nothing she could do. I filed a sispute with XXXX and nothing came of my case.I have all my credit cards on Autopay and I don't believe my XXXX score shold lowered because XXXX XXXX website was not functioning as it should.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Stolen Check - Blatant Forgery Background I have a checking account with TD XXXX, now part of XXXX. Technically, the account is a brokerage account with checking services. TD XXXX offers these checking services in coordination with TD Bank. While I do not have an account at TD Bank, they seem to be the responsible party as they are the consumer bank where the check was cashed. Theft I mailed a check for rent in XX/XX/ in the amount {$2300.00} by putting a stamped envelope into a USPS blue box in XXXX XXXX XXXX at approximately XXXX XXXX and XXXX XXXX. I learned in midXXXX that the check was drawn against my account, but every line had been whited-out and written over in someone else 's handwriting, including a different name, different signature, and re-written amount, though the amount was also {$2300.00}. I filed a police report with XXXX Police Dept and opened a case at TD XXXX. It took a long time for the police to send a copy of the report, because they required me to submit a FOIL request, but I eventually did receive the report and submitted it to TD XXXX. Unresolved After multiple follow-ups with TD XXXX, they have told me verbally several times that they will not re-open the case, even though their representatives have told me they agree the check was clearly forged. They said it is actually TD Bank 's problem to solve. I spoke to TD Bank, and they disagree. Both sides have denied the claim even though their representatives tell me they sympathize and agree this was a forgery. ( In fact, they actually told me to contact their regulator! ) I am caught in the middle and would like to bring both parties together to explain who is responsible and then have one of them refund my check. Thank you very much, XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A