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
Date Received: 2021-07-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX applied for refinance with TD Bank. Received a rate lock and XXXX points. I supplied all documentation requested by XX/XX/2021. On XXXX I received a " notice of incompleteness '' from TD Bank which they withdrew the next day indicating that they had everything. I followed up on XXXX asking for a status ; received a response XXXX saying they would honor the original rate and that I would have an approval within 2 weeks. On XXXX I still had not heard from TD Bank. On XX/XX/2021 TD Bank requested all documentation - again. Documentation supplied XXXX. On XXXX I was advised TD Bank was waiting for a subordination letter. On XXXX I was advised the application was fast-tracked. XX/XX/XXXX - nothing. On XXXX I was asked for the documentation for the third time with the instructions that they must be returned by XXXX ( 3 days before they sent the e-mail! ). Documents uploaded by XXXX. On XXXX TD Bank requests the documents again - 4th time - which are supplied on XXXX. On XXXX I was advised of a closing date of XXXX - never happened. On XXXX TD Bank requests I unfreeze my credit so they can soft pull - done. Now, XXXX they want more documents signed - but they have changed the original lock agreement to include points. All of this is just wrong, incompetent and, I Believe, an effort to force me to quit the application because the rates have risen. Interesting detail - the current mortgage is with TD Bank - the refi is also with TD Bank. How difficult can this be?
Company Response:
State: NH
Zip: 030XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 160 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by. XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card in the total amount of XXXX USD.
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i have viewed my consumer credit report and notice some unathurized inquries that has been placed on my account on XXXX by XXXX XXXX XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. I XXXX XXXX never gave XXXX, XXXX AND XXXX_any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 ) ... I AM ASKING THE CREDIT REPORTING AGENCY TO PRODUCE A CONTRACT BETWEEN ME AND THE CREDIT REPORTING AGENCY LISTED IN THIS AFIDAVIT SHOWING THAT I GAVE YOU PERMISSION TO FURNISH THIS REPORT IN THE FIRST PLACE ... BY CHANCE THAT YOU DO HAVE THIS CONTRACT I WANT A SENIOR EXECUTIVE STATING THAT I GRANTED MY PERMISSION TO FURNISH THIS IN THE FIRST PLACE ... PLEASE DELTE THESE INQUIRES
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-07-14
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 is not yours
Consumer Complaint: I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ). I do not validate the alleged debt from TARGET CARD SERVICES. TARGET CARD SERVICES has violated my federally protected consumer rights. As pursuant to 15 usc 1602 ( j ) I the consumer have a open end consumer credit plan, and the account doesn't reflect that which is a violation of my consumer rights. TARGET CARD SERVICES has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). TARGET CARD SERVICES conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. TARGET CARD SERVICES has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). If the alleged debt is owed why is there a positive balance? TARGET CARD SERVICES has shown unfair practices using symbols on the envelopes which is a violation as pursuant to 15 usc 1692f ( 8 ). TARGET CARD SERVICES has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified TARGET CARD SERVICES in writing that I refuse to pay the alleged debt and wish TARGET CARD SERVICES to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with a an invoice. Since TARGET CARD SERVICES has failed to comply with provisions of 15 usc 1692 TARGET CARD SERVICES is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).
Company Response:
State: CA
Zip: 90301
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX my daughter deposited money into my bank account through XXXX. My husband had just passed away and we needed to pay for funeral arrangements because my daughter was away at college at the time she couldnt give me cash and the only thing that made sense was for her to deposit the money into my bank account from XXXX. The next day I went to the bank to withdraw the money so that we can pay for the funeral arrangements and the manager at the XXXX XXXX location immediately flagged my account for fraud because of this I had to apply for a loan just to bury my husband which is outrageous. Fast forward to XX/XX/XXXX I went to the branch at XXXX XXXX XXXX and they told me I needed documentation I brought them documents as to where the money came from and they told me to wait on a letter I never received now were here in XXXX a year later and Im still getting told that I should talk to different people and none of the people are helpful. I feel as if they are discriminating against me because I and XXXX and they feel like if youre XXXX you cant have a certain amount of money. Which is down right insane because both of my daughters XXXX XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Date : XX/XX/XXXX Amount : {$150.00} Action : Booked a few nights a XXXX ( XXXX XXXX XXXX XXXX XXXX & XXXX ex, XXXX, XXXX, GA XXXX ), checked in but the location did not seem safe so checked out within 5 minutes and cancelled booking with booking agency. They were to have refunded me but didn't have any luck with getting the money either and I'd received an e-mail to contact the merchant. Contacted and spoke with merchant and still never received the refund. Opened a dispute with the bank no luck, was told that he offered compelling evidence ( was never contacted to provide proof ). Opened another dispute with bank and was to have faxed the e-mail from booking agency but never got the chance.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A