Date Received: 2023-10-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXXXXXX XXXX ( XXXX ) I called customer service and let a supervisor know that I was requesting the information needed and was not supplied the information reported for the findings of the investigation and was told I would not be receiving it I asked for a number to find the call we had together and was given XXXX as reference to the call
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Regarding a Target store credit card : We had accidentally entered the wrong information for our bank account for the automatic bill pay function on our Target credit card. This caused two of our payments ( XXXX in XXXX, XXXX in XXXX ) to get returned. We corrected our bank information later in XXXX and paid off the card balance in full, but then after we paid the full balance, Target closed our credit card account without warning and will not reopen it. We spoke with a Target Redcard representative named XXXX on XX/XX/2023 between approximately XXXX - XXXX XXXX ET regarding the issue. She told us Target can not reopen our card, and this will now unfairly affect our credit score due to lowering our total available credit and raising our utilization ratio. We also can not open another Target credit card without it negatively affecting our credit.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm contesting the inaccuracies and deficiencies in the mentioned accounts in accordance with FCRA guidelines for their removal. If these guidelines are not adhered to, I will pursue legal action to rectify my situation, as per USC 1681E ( B ) and under 15 U.S. 1681i.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had my bank account that had been in use for 4 years, they infiltrated my bank account, I made a report that there was something very strange in the account and anyway they decided to close my account and I can no longer open an account in another bank
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a credit card of TD Bank. They are not supposed to charge fee. I do not use it. They charged {$25.00} fee. I never got a statement about that fee. We had changed address at the TD Bank when we moved a new address. I found out that when you changed home address at the bank, they fail to change your address for the credit cards. They say that credit cards department is different. I did not know they chargef {$25.00}. Then every following month they started charging {$37.00} late fee. I accidentally visited the bank and asked them why I never get a statement for my credit card. Since I do not use it, I got schocked. They asked me to pay {$170.00}. Then they said if I paid {$100.00}, the problem will be solved. I paid it the stop the problem at the moment. I now check my account that they still ask me to pay {$73.00}. They could have taken that illegal {$25.00} fee from my checking account, or they could charge a reasonable interest. But they chose charging {$37.00} following months. When I checkef my credit score, I noticed that is is lowered from 750 to 530.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: target td Usa/target credit XX/XX/XXXX XXXX XXXX$40.00} payment reported and mark as missed payment, my bank account and social was breeched. I called the credit specialist number and they noted account up to date. Being that the account was reported as a late payment it affects my credit and credibility to purchase a home. it also take so many years to remove from account. My account balance is XXXX In accordance with the fair credit reporting act this creditor violated my rights my rights under 15-USC 1681 sec 602 states I have the rights to my privacy. 15-USC 1681 sec 604-A sec 2 it also states consumer reporting agency Can Not furnish an account without my written instruction 15-USC 1666B A creditor may not treat a payment on credit card account under and open and consumer credit plan as late for any purpose. Thank you, for taking the time to review.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a formal complaint against Td bank, a financial institution subject to the Gramm-Leach-Bliley Act ( GLBA ), for their failure to comply with my GLBA opt-out request. On XXXX, I sent a written request to Td bank, exercising my legal right under the GLBA to opt out of the sharing of my nonpublic personal information with credit reporting agencies. This request was submitted in accordance with the GLBA regulations and guidelines. Despite the clear and lawful nature of my request, I have yet to receive any acknowledgment, confirmation, or response from Td bank. Their lack of communication has caused me significant frustration and concern regarding the privacy of my financial information. I have attached a copy of my initial opt-out request, which includes all the necessary information required by the GLBA, to this complaint for your reference. I believe that Td bank 's non-compliance with the GLBA poses a serious violation of my consumer rights and privacy, and I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter. I request that the CFPB conducts a thorough investigation into the non-compliance of Td bank with GLBA regulations and takes appropriate action to ensure that they promptly acknowledge and process my opt-out request. Furthermore, I request that Td bank be held accountable for their failure to adhere to GLBA guidelines and that they are made aware of the potential legal consequences of their non-compliance. Please consider this complaint as a formal request for investigation. I appreciate your attention to this matter and your dedication to ensuring consumer protection and privacy. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly and effectively. Thank you for your assistance in resolving this matter.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Company is contacting random 3rd party people from work and relatives via phone and disbursing my personal information illegally about a debt. Asked to cease and desist contact, but went ignored
Company Response:
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: hi good afternoon, I am VERY CONFUSED with what is going on with a letter i received stating that I owe money to TD Bank as of XX/XX/XXXX. Then having all my funds removed from my account this morning. I had my card switched out several times due to fraudulent activity and therefore was forced to change my pin, XXXX card, and had my savings account also closed off by the bank. I recently re started up a new saving account with less than XXXX in it. In late XX/XX/XXXX I was sent several fraud checks from an unknown source all in sum of XXXX XXXXXXXX. I ignored the checks as I can see they were fake and not sure how my name was put on them with my specific bank, however I DID report it to the bank source it came from XXXX XXXX XXXX. As well as my bank and kept the copies. Later on during the months per usual i would check my account here and there to check my balance, and noticed that i had a amount in the total of XXXX posted to my account and then taken out. I was very concerned and confused, so i contacted Td and made them aware of the incident. They said they would look into it, and give me a call back. So i let them to do their job a XXXX months later i noticed the account closed off so me not knowing anything i assumed they closed it off being that it was a solved closed case with no need for me to call them again as they said theyd call me back. No one ever called and told me ANYTHING about a debt collection for this account or about it being in a negative till my account with little than barely anything in it was cleared today leaving my remaining balance at XXXX in both XXXX XXXX XXXX I would like to re-dispute these charges once again as fraudulent activity as i am being told when speaking to a representative that it was never reported as fraudulent which i find crazy, if i did speak to a td representative about it prior to it happening. It was not i whom deposited and removed the money if it were id fully understand that it is my responsibility to pay it back, however it was not my doing, so i dont know why i am responsible to pay it back when i thought it was a closed case i notified the bank about. Also fighting to get my little bit of money i barely have in living cost refunded to me. I have attached the proofs in this email. Please let me know if their is anything else you need me to provide as i can not afford this money deduction that i already dont have in my account taken out.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A