Date Received: 2023-10-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: There We're fraudulent checks that we're written in my name. The bank thought I signed create and close my account.
Company Response:
State: ME
Zip: 048XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There were duplicate charges period they were charges. A bank notified me about or overseas and never refunded the money. They close the accounts.
Company Response:
State: ME
Zip: 048XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have a right to privacy. 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under and open any consumer credit plan as late for any purpose
Company Response:
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: in XXXX my XXXX credit card went into collections. i had lost my job and hobbled into XXXX working independently, and then the pandemic happened. XXXX and XXXX were hard for all of us. nevertheless, i paid my entire debt in full as agreed- i requested no settlement. my last payment was in XX/XX/XXXX. from XXXX through XXXX the debt was transferred between multiple collection agencies, and each time it moved, this altered the date of the debt on my credit report, which should be illegal. almost XXXX years have passed. i have paid the entire debt in full. i have sent XXXX XXXX requests to target asking them to please consider removing the negative remark from my credit report. and each time they have declined saying its not them, but the credit bureaus that wont allow them to change it. i know this is untrue because i have had a remark removed by the creditor in the past. i otherwise have excellent credit ( high XXXX ) and i have longstanding, strong relationships with my other creditors. this XXXX negative remark is holding me back from so many human necessities like healthcare etc. why wont they remove the remark as a courtesy to help someone out? sheesh!
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX I started an XXXX and opened a business checking account with TD Bank putting {$500.00} of my own money in the account. I never did anything with the business or the account as the business never got going. Recently, I have been contacted by a debt collection agency saying that not only is the {$500.00} that I used to open the account with gone, but I apparently I OWE another over {$500.00} and change to TD Bank? I never received any notification by mail, email, or ANYTHING saying they closed my account, I owed them anything, OR that it was placed in collections. Since I never did anything with the business or the account I can only assume that the reason why TD Bank says I have a balance is due to numerous bank fees getting charged over and over again until the account was negative over {$500.00}. This is scam worthy behavior! I XXXX XXXX XXXX XXXX and had some XXXX XXXX XXXX My welcome home gift from TD Bank was/is unauthorized and stressful collection calls and texts for an account that I never did anything with. It is horrible that a business can charge tons of secret fees, and unknowingly place you in collections! This is completely taking advantage of people and should be illegal!
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023, I applied for a business auto loan to purchase a brand-new XXXX XXXXXXXX XXXX XXXX via the XXXX mobile XXXX. My understanding is that XXXX XXXX sends the loan application to a pool where you have multiple financial institutions which includes but is not limited to TD Auto Finance ( " the bank '' ) bidding for the application. Note, this is our second business auto loan application through the XXXX mobile app within a space of about one month. The amount to be financed by the bank was about {$45000.00} and like the previous application, I provided my personal information for the purpose of personal guarantee ONLY. On XX/XX/2023, I got a notification from one of the credit bureaus that I have a personal auto loan. I contacted the bank to reallocate the loan to the business and they informed me that they don't offer business loans and that my best bet was to refinance the loan. Currently, I have a hard inquiry and an auto loan on my credit report. These if left, will negatively impact my ability to access credit that was originally accessible to me. I've attempted to dispute those with the three credit bureaus but today ( XX/XX/2023 ), I got an update from one of the bureaus that nothing has changed on my report based on my dispute and it's been finalized. I thought to escalate to your office for further review and assistance to have both the hard inquiry removed from my personal credit report as well as the loan. All those belong to the business and all I did was provide a personal guarantee like we did in the previous business auto loan with XXXX. I'm counting on your assistance and will be willing to provide any document regarding this issue upon request. Sincerely, XXXX
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I recently got my account closed without even being notified. i got money transferred to me account and as i was trying to buy something my card declined but i had money on it. I called the bank and they told me that my account was being closed and they didnt tell me why. i called again to find out the reason but still no answer and since the account is shared only mine is in the process of being closed. I was informed that i couldnt open an account with the bank anymore
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Purchased a washer and dryer set from XXXX on XX/XX/2023, utilized their XXXX financing for XXXX interest for a year. Washer was delivered broken, returned for a replacement. Replacement was attempted to deliver broken, refused delivery. Contacted customer service asking for refund of washer ( kept functioning dryer ). Was told they'd refund the set price and just charge for the dryer. Have been dealing with both customer service and the financing group since XX/XX/XXXX to get the washer that we never received refunded, while continuing to pay for the full package price on the XXXX XXXX. Was informed on XXXX that they would be refunding all charges and just charging for the washer, still have the full purchase amount for both washer and dryer on our account ( have virtually paid off the entire price of the washer at this point ).
Company Response:
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I have had a store credit card with Target since XXXX. Almost XXXX weeks ago, I attempted to use my credit card in the app to make a purchase on XX/XX/XXXX ( sometime between my screenshot at XXXX XXXX and XXXX XXXX is when I finally submitted with a different credit card for my order ) and it said it was denied and to contact my credit company. To be clear, I pay the card off every month and it was not behind nor was I over my limit. I went online and it said my account was fine. I checked the app for my purchase, my physical credit card and the website and all showed the correct credit card. Nothing was indicated as an issue online. My card doesn't expire until XXXX so that couldn't be the issue either. I called Target credit the next day and they " congratulated '' me that my account was closed and they chose to open a regular mastercard credit card for me without my consent. I do not need another regular credit card, I have XXXX great cards already and I only have the target store card to save 5 % on my target purchases. I told the gentleman that I did not want a credit card and that I was never asked if that was okay, I was never informed that this was happening and even their own credit website never gave me the information. I even checked my statement, there was NOTHING. He told me I should have received a letter and also a new credit card. I received neither. It is not okay to open up an entirely new credit card in my name without my consent or even asking if it was okay. I told my husband and he showed me an article online that I was entitled to opt out of this. I told the gentleman on the phone that I didn't want nor ask for this card and yet I was never told I could keep my old card. They made the decision to close my account and not allow me to use the card that I, by rights should still be able to use. I work at a XXXX XXXX and if for some reason we have to send them a new card ( of the same type ), unless it's due to imminent fraud, the old card will still work for some time, so we don't put our members in a bind. I was told by the gentleman that they had sent me the card just a few weeks prior and didn't give me a chance to even start using the thing ( had I wanted it ). If you need to find the call, I called their credit # ( XXXX ) at XXXX XXXX and the call lasted XXXX minutes. My target store card is my XXXX oldest credit account. This will have a detrimental impact on my credit. Also, although it's a small amount of money, I had to pay the 5 % more on my Target purchases because I no longer had a card I could use. I use the card to buy groceries, what if I didn't have an alternative way to buy groceries? I'm blessed that I do, but what if I relied on that card for food? I would have no way to buy groceries. Regardless, this is a big issue. I now will have a new credit account on my credit report, which will bring down my credit score. I will no longer have an active card from XXXX and this will also have a detrimental impact on my credit. Finally, I was given ZERO options to decline this XXXX that I do not want nor did I ask for. I will only EVER use my target account at target. I use my rewards credit cards from elsewhere for all other purchases.
Company Response:
State: WA
Zip: 98168
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I would like to address the challenging situation I faced during the COVID-19 pandemic. All of my family members lost their jobs and were fearful about the future. The responsibility to support my family fell on my shoulders, as I was the sole member working from home remotely. Suddenly, I found myself dealing with financial difficulties in managing all our financial responsibilities. This led to some missed credit card payments. Prior to the pandemic, I had also gotten married abroad, and I needed to support my wife as well. Due to these circumstances, I struggled to make my credit card payments during the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had contacted my credit card company, TD Bank, to request the removal of these missed payments, but unfortunately, no action was taken. Despite the challenges posed by the pandemic, I eventually managed to make payments with the assistance of a credit counseling company and successfully cleared all my outstanding balances. However, those missed payments continue to negatively impact my credit report. Therefore, I kindly request that you consider removing these missed payments from my credit card history. I understand the importance of maintaining a good credit record and hope for your understanding and assistance in resolving this matter.
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A