Date Received: 2021-07-19
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: Target Bank was sent a letter of dispute. After review of my credit reports, Target Bank has not marked my account as disputed as required by the FDCPA
Company Response:
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Td bank XXXX/Target has an unauthorized inquiry on my credit file!
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have been trying to close a checking account with TD Bank because I now live in an area without any branches. However, they keep saying they can not do it with an instruction. Then, they also keep charging me maintenance fees on the account, which has no activity at all. Then they tell me they can not close the account because it has a negative balance. So I cover the fee, and they still do not close the account. Of course, they keep charging maintenance fee on it, and it seems like they plan to just keep making me pay maintenance fee on an account I do not use. I would like to know what they are doing to " maintain '' my account, and why they can just ignore my repeated requests to close the account.
Company Response:
State: NV
Zip: 89523
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: at the time i was in bad standings with this company nordstroms, a inquiry appeared on my XXXX credit file on XX/XX/XXXX of 2021 asking to extend me credit. that inquiry was not authorized by me, and it makes no sense why i would have, which means it was either a mistake on their part or fraud, in either case its not of my doing.
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD Bank target card is reporting late payments on my credit report. i have never been late on my credit cards they are all on auto pay. this is effecting my life i lost a 6 figure income job cause this was on my credit report.
Company Response:
State: MI
Zip: 49508
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: When I opened an account with TD Bank in New York, I was automatically enrolled in an " overdraft protection '' loan account to cover my checking account. Unfortunately, I wasn't aware of the fee structure and how it changed over time, and it certainly was not clearly explained to me either. I was under the impression that I would be charged fees for using the service, and I didn't realize that the account had a fee of {$25.00} / year in addition to that. I did not know about this {$25.00} / year fee, and when I discussed with the bank, they claim that I have signed an agreement which has the fees. Had I known about this fee structure, I would never have signed up for this account. My account was accidentally overdrawn in XXXX, but I have not needed overdraft services since. Knowing what I know today, I would actually prefer to not use " overdraft protection '' at all, and instead just allow the bank to decline transactions if they exceed my account limits. Over the last four years, I have received several letters from TD Bank about a balance I owed. It took several calls to TD Bank to understand the letters were about, because some other banking associates who helped on the phone did not know anything about the letter I had received. I kept ignoring these assuming it was some kind of bank error, especially since I had called and tried to clarify without a clear actionable response. However, I decided to call again on XX/XX/XXXX when I received a letter from TD Bank in early XXXX ( letter is dated XX/XX/XXXX ). I finally spoke with someone who understood what the fees were and was able to transfer me to the loans department. I asked the agent to remove the fees so that I can close the " overdraft protection '' account. I was informed that the request to remove fees would take approximately 5 business days and that I should call back to see if the fees are removed and I can proceed with getting the removal of overdraft protection started. When I followed up on XX/XX/XXXX, I was informed that the bank is unwilling to remove these fees and will not allow me to close this account unless the {$100.00} worth of fees is paid. The worst part about all this is that TD Bank has made it exceptionally difficult to close the " overdraft protection '' account, so addressing the fees issue is only step 1 for me. I would love to get some help with this matter, because from my perspective - this is akin to a ransom. Now that I understand what the fees are after accumulating them for four years, I realize that the " overdraft protection '' is more predatory for the consumer than protective. I am happy to provide additional information in followups since I realize this message may get published to a wide audience.
Company Response:
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : TARGET/TD Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$290.00} Reason : Identity theft Please remove it from my credit report.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After reviewing my credit report today XX/XX/21, I noticed Target & XXXX are reporting incorrect information on my credit report and It is causing a hardship for me to get approved for credit. Account rating shows Derogatory but creditor remarks states it was paid.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: For weeks I have been calling TD bank regarding the disbursement of an offer. I have met the requirements and every time I call they say they are still waiting and that an email was sent. The negligence of this company is extreme. I have been calling all day and they cant provide a proof of our conversation.
Company Response:
State: PA
Zip: 18103
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A