Date Received: 2021-06-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX XXXX and XXXX credit bureaus.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XX/XX/2021 Target made a hard inquiry to my credit record that I never authorized. It shows as TD Bank USAXXXX Target, I did contact the bank they couldn't help me. I called Target Fraud Department and they opened a case that will pull that hard inquiry from my credit report in 3 months. I really don't know if that time frame is normal.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had made a complaint on Target red card last month and you reached out to them for me them they finally answered me, they asked me to fill out a fraud questionaire and i did and all they did was stop the collection department from calling me, it is still showing as if i own the credit card on my report and that i failed to pay, i didn't take out this credit card and i asked them to remove this from my 3 credit reports and its been 30 days and nothing has been done, it's still showing on my credit reports that its been closed by target and past due and that I am delinquent on the account for over a year, this is ruining my credit score and this is not even my credit card. I did not take this card out. I gave them everything they needed in a 24 hour turn around I want this removed off my credit report immediately.
Company Response:
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a late payment on my XXXX credit card for an apparent late payment. The thing is I have autopay setup with my bank, and the bank has confirmation numbers supporting they sent out the payment at the same time it does every month. XXXX uses " TD XXXX XXXX XXXX '' to manage their branded credit card. TD XXXX XXXX XXXX refused to accept my bank 's Electronic transaction confirmation number as proof that the payment had been sent on time as it is every month. They refused to remove the fee and told me to take it up with my bank. I have since canceled the credit card account, but I will still need to pay the fee 's and late charges. This is very obviously fraudulent business practices.
Company Response:
State: NY
Zip: 14228
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hi there, I transferred money through wire to abroad through TD bank branch XXXX dated XX/XX/21, reference # XXXX, until now the money is not received by the beneficiary. I visited the store three times to find out about it but didn't get satisfied answer. Instead of my couple visits and deep concern the branch failed to contact me or update me regarding the issue or any additional requirements.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2021, I opened a XXXX XXXX account at TD Bank. XXXX XXXX XXXX was the XXXX XXXX who assisted me, XXXX. Since the day that I opened the account, I've had some problems. For example, the day I opened the account, the ATM Card machine went down, so I had to swing by the Bank the next day, to pick up my XXXX XXXX XXXX. Then, someone either switched my ATM card or placed a few codes on it that prevented me from paying the XXXX XXXX. I had to call TD Bank Customer service to have the problem fixed. At times, there's a computer glitch when attempting to log into my online account. Time went on, I began to see charges that were not supposed to be on my account. I escalated the problem to the Executives after being mistreated by the XXXX over the phone. The Executives credited my account {$18.00}. Later that week, I walked into a nearby branch and had my ATM card switched. Upon obtaining a new card, the bank employees were able to see that I'm the one who makes all the transactions that were being reflected on another person 's account. Time went on. Someone found out my account has nothing to do with the other account, so I guess they went back to square one.They did something to my card that prevented me from paying public transportation fares. I had to call the bank and email XXXX. Now, as of this morning, XXXX, I got charged " Paper Statement Fee '' and Maintenance fee on a XXXX XXXX account, first time. After month XXXX. If I'm not mistaken, there's on a fee if the person does not make more than {$500.00} deposits XXXX something like that ). I've deposited over XXXX XXXX dollars ( monthly ). So, were these fees removed MANUALLY from my account the same way the XXXX XXXX fee of {$48.00} were deducted MANUALLY by a third party? If so, this needs to end. That's a crime! Nobody should be allowed to hack or view another person 's account and MANUALLY deduct money. This is why I'm sending this CFPB complaint.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: CFPB XXXX Complaint concluded : We reviewed your complaint and weren't able to forward it to the company for a responsebecause the company is not on our complaint system. Please advise why TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX are excluded in your complaint system? In response to your communication : The CFPB can't give legal advice or represent individuals in legal matters legal advice or representation was never requested as alleged. Furthermore, please advise that TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX have been added to CFPB complaint system and that they have been notified of the CFPB XXXX Complaint.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've been locked out of my online TD BANK Credit card and I can't sign in to make payments. I called on XX/XX/21, XX/XX/21 and XX/XX/21. Each time I called and I got transferred to 3 extensions and no one can help me to gain access to my account. First they tell me I don't have an account. Then I ask to send me a paper statement so I can pay it and close the account and they can't send me a paper statement because I chose paperless statement online so they can't change it. I have never been through such craziness and am now desperate for help!
Company Response:
State: NY
Zip: 10002
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Company applies debits before credit same day and will charge a fee of time is wrong vs full day. For example a deposit and payment happens on XX/XX/24. If they receive deposit at XXXX but debit payment at XXXX, they will reject the debit charge fee and okay deposit after the fact. They close accounts in negative before public timeline allotted to everyone. Inconsistent practices based on illegal qualifiers.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A