Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Name is XXXX XXXX Todays Date is XXXX XXXX My XXXX Report Number : XXXX And My FTC Report Number Is XXXX Iam The Only One Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Account As I Could .Also Recently I Called XXXX Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Account : TD AUTO FINANCE Account number XXXX {$14000.00} XXXX Even Called XXXX Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way XXXX Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft, i had rightfully disputed this Target account in year 2018 in which it was agreed upon and blocked as well as removed in 2018. Today this same account shows up on the credit report again. This is harassment and i am requesting that this account be removed permanently. TD BANK USA /TARGETCREDIT XXXX
Company Response:
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX, for Black Friday XXXX, Target had the following promotion : Free {$20.00} Target Gift Card ( GC ) when you buy {$100.00} in XXXX XXXX, which I purchased for a total of {$96.00}. ( 4 % discount for using my Target Card ) On XXXX, I tried to redeem my {$100.00} XXXX XXXX and an error appeared. I immediately called XXXX Support. XXXX stated that, unbeknownst to me, Target deactivated my {$100.00} XXXX XXXX a mere two days after I purchased it. XXXX gave me the case number XXXX ( in case Target needed to reference any information ) & stated I must contact Target for a resolution. I then called Target, who gave me the case # XXXX. Throughout this process, Target Support has consistently failed to forward info to move my case further along forcing me to make a multitude of calls. I have been hung up on repeatedly & have wasted numerous hours without reaching a resolution. All calls to Target & XXXX Support regarding this case are attached via screen captures. On XXXX Targets " research team emailed me ( attached XXXX XXXX ) stating my {$100.00} XXXX XXXX had not been activated properly & my refund request was being processed. Targets statement directly contradicts XXXX assessment, stating Target deactivated it two days after my purchase, which begs the questions : If my {$100.00} XXXX XXXX had not been activated properly, then why was my Target RedCard still charged? Also, why did I have to ask for a refund months later if Target admitted they didnt activate it properly ; why didnt Target credit my account immediately? On XXXX, I logged into my Target RedCard account which showed an incorrect refund of only {$76.00}. I immediately called & sent another email ( attached XXXX XXXX ) for my case to be looked into further. On XXXX, I received what looked like a copy and paste response of an email ( XXXX XXXX attached ) that completely mischaracterized and misrepresented the specific elements surrounding my case which stated : [ my ] refund will be reduced by the value of the promotional gift card if the qualifying purchased item is returned without the promotional gift card. The gift card needs to be returned unused if returning an item that qualified for a free gift card with purchase. If gift card isn't returned, the return value will be reduced by the amount of the free gift card. I hope this better explains the reasoning behind why your refund was for {$76.00} and not the {$96.00} that you paid. If you would of returned the promotional gift card with the XXXX gift card, then we would of been able to refund the full {$96.00}. Targets response is a poor attempt at an excuse that is not relevant to my case. According to Targets email, my refund would be reduced by the value of the promotional gift card if the qualifying purchased item is returned without the promotional gift card. I had already used my free {$20.00} Target GC in XX/XX/XXXX, having no idea that when I went to redeem my {$100.00} XXXX XXXX in XX/XX/XXXX, that Target deactivated it. Why would I have not used my free {$20.00} Target promotional gift card? Is it Targets expectation that promotional gift cards be redeemed only when the consumer confirms that Target has not yet made the original item purchased unusable, unredeemable, and ironically, nonreturnable? When I redeemed my free {$20.00} Target GC, I expected my {$100.00} XXXX XXXX would still work when I went to redeem it in the future. Why would I have returned my free {$20.00} Target GC if it was my intention to redeem my {$100.00} XXXX XXXX as I thought it would work as it should? Target also states in its email The gift card needs to be returned unused if returning an item that qualified for a free gift card with purchase. If gift card isn't returned, the return value will be reduced by the amount of the free gift card. I didnt use my {$100.00} XXXX Gift Card . I couldnt. Target deactivated it. Targets email also claimed If [ I ] would of returned the promotional gift card with the XXXX gift card, then we would of been able to refund the full {$96.00}. First, my {$100.00} XXXX Gift card was not returnable ; Target deactivated it without my consent or knowledge. How could I return a gift card that, according to Target, wasnt activated properly and had a {$0.00} balance? Also, per Targets return policy on their website, XXXX XXXXs can not be returned. Even in Targets email, they reinforce the argument I am trying to make that what I purchased was indeed worth {$120.00}, by claiming that if I had returned my free {$20.00} Target promotional gift card and {$100.00} XXXX XXXX, they would refund me {$96.00} - just not when Target themselves deactivate said XXXX XXXX. Targets own mistake mysteriously makes my refund worth {$20.00} less? Again, Target stated they would give me {$96.00} for returning {$120.00} in gift cards. But because I used my free {$20.00} promotional GC, I only received a {$76.00} refund. {$76.00} + {$20.00} = {$96.00}. Targets own argument does not make mathematical sense in my case. On XXXX, after receiving Targets email, I called & reached someone who stated Target was not going to issue a further {$20.00} refund to make me whole. Target is trying to justify that if they deactivate your {$100.00} XXXX XXXX for no reason & without your knowledge, they will force you to pay for the {$20.00} GC that you were supposed to get for free by taking it out of your refund when you ask for it. Why should I be financially penalized because of Targets mistake? I paid {$96.00} for {$120.00} in product for which I have yet to receive or be made whole via a further {$20.00} refund. Target believes I should be content with my {$76.00} refund and free {$20.00} Target gift card, totaling {$96.00}, although this is not the amount in gift cards I paid for in XX/XX/XXXX, per the attached receipt. I paid {$96.00} for {$120.00} in GCs - a {$100.00} XXXX XXXX & a free {$20.00} target GC. I am still short! Targets claim that my refund should be {$76.00} is incorrect - their math & reasoning for not providing me with a full refund of {$96.00} do not add up. If Target reversed my {$76.00} refund & sent me my {$100.00} XXXX XXXX to replace the one they deactivated, I would be whole as that equals {$120.00}, since I used my free {$20.00} Target Gift Card. So, why would Target think that only a {$76.00} refund would suffice if it was my intention to purchase {$120.00} in GCs? Target failed to uphold the terms of the promotion/sale by deactivating my XXXX XXXX for no reason and without my knowledge. Why should {$20.00} come out of my refund for something that was supposed to be free due to Targets mistake? Targets justification for trying to make me pay for something that I was supposed to get for free is nonsense as it was my belief that my {$100.00} XXXX XXXX still worked up until I tried to redeem it on XXXX. Their refund of {$76.00} is {$20.00} short of what I am additionally owed. If I were to spend {$100.00} on a pre paid dinner reservation for 2 at a restaurant, with a promo to receive a {$20.00} free dessert, and when I sat down my meal never came and only the dessert did, and I asked for a refund, and the restaurant refunded me {$80.00} of {$100.00}, because I got a free dessert, is this not an example of the same deceptive business practice Target is trying to defend? When a deal is advertised that the seller has no intention of actually following through, isnt that illegal? How many other peoples gift cards has Target deactivated without their knowledge while simultaneously offering free {$20.00} Target Gift cards, and then subsequently forcing the customer to eat the difference after redeeming them and requesting a refund? This predatory behavior exhibited by Target exemplifies bad business practices.
Company Response:
State: TN
Zip: 37865
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom this may concern target store credit card / TD BANK USA/TARGETCRED been on my report for some time now since I found out about the account I been trying to dispute this with them and all three credit bureaus and no help has been giving the information such as address and phone numbers and email has all been incorrect information that doesnt belong to me. The last rep I spoke to try to convince to me keep the account open even thought I didnt open it. And I had no knowledge of this account and I asked her to closed it she kept me on the phone for a very long time to convince me to stay with them. I want this account removed off my credit report I told them that a family member open this account behind my back and they are in jail now. This is frustrating that I have to go threw this this is fraudulent and wrong and I know my rights
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX i received a text stating that there as fraud activity on my bank account then received a call from what showed as td bank number and then person said to accept text to reverse the transactions and which they gained assess to my account and XXXX {$2300.00} by using XXXX and td bank refuses to give me my money back. And there is supposed be $ XXXX day limit using XXXX and they were able take {$2300.00}
Company Response:
State: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received notice from XXXX XXXX that TDBank was no longer being monitored as one of my accounts by them and that I needed to contact them to try to have it Re connected - the problem is I never signed up for td bank and once I tried to connect with them and log in or start an account to see what I could find out, I had to place a freeze on opening up other bank accounts. This was yesterday, XX/XX/XXXX when I was notified about this. On XXXX a similar experience occurred when someone other than myself tried to open an account at XXXX XXXX XXXX without my knowledge or permission. XXXX notified me of this as well
Company Response:
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My account with TD Bank kept getting {$15.00} fees charged to me. After I contacted the management they informed me that if I kept over {$100.00} in my account there would be no fees. charged. I spoke with the manager at the XXXX MD branch and they reversed one of my three {$15.00} fees. The very next day after my account was credited they took another {$15.00} from my account on XXXX. They said no matter how much money I put into my account they would take another {$15.00} from me. It's automatic. The reason my account dropped below {$100.00} was due to them taking out the fees. This is a never-ending cycle. I lost over {$45.00} from their aggressive bank practice.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: It's the Nordstrom Retail Credit Card. However, I've learned that Nordstrom credit cards are issued by TD Bank USA, N.A. Nordstrom is TD Bank USA, N.A.s service provider for the Nordstrom Credit Card program. I submitted returns in XXXX. It's XX/XX/XXXX, and they still haven't credited the returns to the account. They show on the XXXX and XXXX statements, but when I called, I was told they weren't officially processed. In my XXXX billing, I hadn't paid the full balance, because I knew I didn't actually " owe '' any additional funds. I had made other payments, but I knew that I had an additional {$200.00} coming. What really bothers me, is that Nordstrom gets to decide when to process those returns. In the meantime, they've charged me both interest and a late fee for not paying the final amount ( that I would ultimately get credited back ). It's also not like the returns were sent back a week ago, they were returned in XXXX XXXX. It's late XXXX. Incredibly deceptive and abusive.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Re : TD Bank not paying Qualified XXXX - $ XXXX $ XXXX XXXX Opened XXXX ONLINE XXXX Setup XXXX with XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} ; All Qual for bonus met. NOW THE WAIT - Rcv bonus <= 140 days from opening. After months of wait and calling in to the bank they told me that I didn't qualify because some long time ago I closed a checking account and so I'm not a new checking customer. I informed the rep that I qualify because the promotion says in the fine print that " Checking offer is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I told them the only reason for having the statement saying " not have an existing checking account within the last 12 months '' is if they are opening it up to people who has had checking accounts that have been closed for more than 12 months. IE they are trying to win old customers business back. Even after pointing this out and they sending it back to their back office promotions team a few times they still came back saying that I don't qualify because the bonus is meant for people who has never had a TD checking account before. I argued that if they meant that then they shouldn't have put anything ambiguous in their language that could have been misconstrued and because they have they should pay me the bonus because I qualify based on what the promotions say. Open a TD Beyond Checking by XX/XX/XXXX and have {$2500.00} or more in XXXX within 60 days of account opening. Must not have had a TD checking open within the last 12 months.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: TD bank has decided to close my accounts the stated they mailed me a letter letting me know that the accounts would be closed, I check my mail everyday and never received a letter, they actually allowed me to open a new account a few days ago and made no mention of the existing accounts being closed, they now have all of my accounts restricted including the new one and are holding my money. I call customer service and they tell me to go to a branch I go to a branch and the branch says they cant call the back office to get resolution and have the accounts released or funds withdrawn for me. This is creating a huge issue and the lack of customer service is unacceptable.
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A