Date Received: 2021-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Where to begin? First, you are reporting an inaccurate payment history ; please provide me proof of the last payment, as our records do not match. Second, you are reporting the current status to be Bad debt/Collection when in fact this account was PAID and closed, where is the closed date? Please send me a copy of the last statement. Finally, change the status to Paid and derogatory estate mortgages continue violating the FCBA, 15 USC. Your statuses are damaging to my report, which would not be happening if you investigated properly before posting derogatory information.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Creditor : Target Red Card Issue : Fraudulent activity on account ( I've been on autopay since XXXX because I enrolled in their debt relief program which automatically enrolled me in a payment play to pay {$64.00} a month for 9.99 % APR until I paid off the credit card ). According to Target, there was an unauthorized approval from their end to cancel my debt-payment plan, I asked for a copy of my updated service agreement, and they refused, they reported inaccurate information regarding a late payment I was never alerted about to all three credit bureaus, they were unwilling to work with me and transferred my call to multiple departments with no help, I had a copy of the original credit card agreement in front of me, and they straight up lied about what their policy is, my total credit line amount decreased from $ XXXX to $ XXXX, my APR % spiked, and my monthly pay almost tripled than what I could afford. In week of XX/XX/XXXX : Called Target, and they were not helpful.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Target chose to ignore that on XX/XX/XXXX I paid the balance in full of {$98.00} in their XXXX, MD store on account # XXXX. Most of this bill was for their late fee on a previous minor bill. It did not seem to matter when I sent the payment in, it always cleared after their late fee was applied. So I elected to pay in person and stop payment on the check that was still in transit on XX/XX/XXXX. I requested that the Target account be closed since it was now a XXXX balance. I was shocked when I got a bill in XXXX claiming I bounced a check on a XXXX balance account and that they needed {$28.00}. I have written every collector they have hired in the last 2 year as they continued to add late fees and interest to a {$28.00} " Return Payment Fee '' which was a Stop Payment actually. They did not need to get paid twice and I could ill afford that after paying the bill in full in person! I recently found out that they have attempted to ruin my FICO by posting a {$300.00} debt on my credit report. So on XX/XX/XXXX I sent another letter after talking to their representative XXXX. My most recent effort to resolve this directly was XX/XX/XXXX. I faxed a letter with my receipt from XX/XX/XXXX to XXXX as requested by their representative. I have been sending letters since XX/XX/XXXX to them. I'd appreciate you acknowledging that Target is a predator in the marketplace and refuses to right a wrong that is as clear as the receipt I've kept so long the ink has started to disintegrate. Their representative helped me recreate the numbers to prove my point. I have had my FICO impaired and had 2 refinance loans slip away due in part to their predatory business practices. In my XX/XX/XXXX letter I offered to settle the matter but they sent me to another collection agency and started the statements and interest again adding to the {$300.00} debt. Collection agency XXXX XXXX, XXXX now wants {$300.00} as of its letter dated XXXX. Seeking relief from this injustice as a XXXX balance account becomes large enough to place judgement against my home in my twilight years.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a welcome package from TD Bank today, XX/XX/XXXX21. Inside were three checkbooks with a welcome letter. I was surprised to open this because I have not opened any such account. I immediately called TD Fraud department where they advised me that the account had been opened online around XXXX XXXX, 2021. I never opened such account online or in person. I was advised by TD fraud department that Drivers License and SS number were both required in order to open up this account, neither have been used by me for this purpose so someone has stolen my identity to do this. TD assured me they were going to be doing a full investigation, and instructed me to contact the credit bureaus and also the FTC.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There are two accounts open in my name that i did not authorize these companies to open are ask to extend any kind of credit in my name. These accounts were open fraudulently. The first account is with XXXX XXXX . I have tried to call this company four times and i can not speak to anyone. I have also tried calling XXXX XXXX and they keep telling me to look for the company online. The second company is XXXX XXXX XXXX. I am unable to get in touch with anyone from this bank.
Company Response:
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An account was opened with my name address and social security number. I did not open this account. TD bank froze the account and told me to report tht my social security number is compromised.
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I want the following accounts to be removed from my credit report asap. See the list here : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft TD BANK USA/TARGETCRED Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX. Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/21, I received a TD Bank debit card in mail. I know I did not apply for one. Several months ago, I identified a claim for NJ Unemployment benefits opened in my name ; so this may stem from that. I called TD bank who stated there already was a block on the card so no one can use it, and my complaint that this account was opened fraudulently may speed up their investigation. i was told the card can not be used and my the account opened in my name was notated of the possible fraud. TD bank directed me to contact the FTC regarding this breech.
Company Response:
State: NJ
Zip: 07071
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I opened a simple checkings and savings account with TD Bank and received funds for a sba loans that were deposited into the account and the next day withdrawan and I was left with the overdraft fee for the amount that I never applied for nor received. I spoke with the branch manager to which I was told the account was closed and I was issued another account and the same thing kept happening over and over to no avail of relief. The same thing was done with a XXXX XXXX bank account checking that I initially opened but my account was hacked with fraudulent activities
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received checks from TD Bank that I did not order from an account I do not have
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A