Date Received: 2021-03-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2021, one of my creditors, TD Bank/Target, submitted an unauthorized payment in the amount of {$17.00} to my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ). That payment was created in Target 's online account portal on XX/XX/2021, but I did not perform that action. I did create a payment through their online portal on XX/XX/2021. The amount of that payment was {$17.00}. I did not authorize TD BankXXXXTarget to submit the second payment that was created on XX/XX/XXXX on my behalf. Since I did not have sufficient funds in my XXXX checking account when the second, unauthorized, payment was submitted, XXXX levied a {$30.00} Return Item Fee - ACH on my account, which rendered me with a negative checking account balance. Currently, I am enrolled in a 12 months Hardship Program with TD Bank/Target, but their letter does not indicate any automatic payments requirement, nor does it state that they will withdraw payments on specific dates of each month. The letter simply states that I will be required ( implicitly implied ) to submit payments before my due date ( XXXX of each month ). So, on the evening of XX/XX/2021, I called TD Bank/Target to inquire about the unauthorized XXXX XXXX XXXX payment. The TD Bank/Target agent who I spoke to suggested that I created the XX/XX/XXXX payment on XX/XX/XXXX. I can not recall if such information is correct, because I always pay my credit card bills manually and would not enroll in to a Hardship Program that forced me to elect automatic payments. Ultimately, I want to recoup any all fees and/or fines that may be levied against TD Bank/Target and XXXX XXXX XXXX XXXX XXXX. I will be submitting a separate complaint against XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Federal Fair Credit Act promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. Target red card is reporting inaccurate information regarding payments and closure dates. Attached is all the documents supporting my claims. Contact Target spoke with a supervisor # Taps ID # XXXX on XX/XX/2021 paid in full and closed the account! She refuse to provide me with proof! Contact Target again supervisor XXXX # XXXX on XX/XX/2021 ask her to provide proof she refuse! Target refuse my rights as a consumer!!
Company Response:
State: TX
Zip: 78602
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Bank refused to change my address asking me personal questions about my employment. I have not had bank statements in months just yet online which I can not access.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
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: I have notice if I return and item back to the store, it does not take the charge off, it still charge me for items I have retuned Several items I have returned but it does not show it has removed the items off the account I called Target twice and they could not really could not have not help me I needed to go back to the store to remove several charges. I tried to go over the information but they did not want to work with me They spoke very limited English
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: My first complaint was filed in XXXX, XXXX. My second complaint was filed in XXXX, XXXX. Today, XX/XX/XXXX, I am filing yet another -- third complaint against Target Card Services, TD Bank USA, N.A. I made a {$480.00} purchase in XXXX, XXXX that brought my balance due to {$2600.00}. After making a payment of {$74.00} and adding the interest charge of {$51.00}, my XXXX, XXXX statement had a new balance due of {$2500.00}. My XXXX, XXXX statement reflects a {$77.00} payment, an interest charge of XXXX and a new balance due of {$2500.00}, and a payment due of {$76.00}. I called XXXX, at Target Card Services associate, on XX/XX/XXXX at about XXXX XXXX and asked her what was my daily interest rate she said, 1.90. Well, last time I filed a complaint the daily rate was .00689, I asked XXXX why I had not been contacted concerning this new interest rate being applied to my account. XXXX said that I still had the 22.9 annual rate as well. My response was to say that I needed to file yet another complaint. This manipulation with my interest rate changing and fluctuations has to stop and TD Bank needs to adjust my current balance due to reflect the correct current interest rate that appears on the back of my monthly statement. Also, Target Card Services has never submitted to me a copy of the agreement that I signed stating that it was okay to charge a higher interest rate charge. I have repeatedly requested a copy via XXXXwo phone cals and one letter.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a dispute to the credit reporting agencies on XX/XX/XXXX. According to the FCRA, credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy, XXXX XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX WL XXXX, at XXXX XXXX XXXX Cir. XXXX. XXXX, XXXX ) ; XXXX v. XXXX, XXXX Fed. Appx. XXXX XXXX XXXX Cir. XXXX ) ). At this time, Ive provided the information to the credit reporting agency on XX/XX/XXXX and they have failed to conduct that reasonable investigation which indicates a violation of the act XXXX XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ( W.D. XXXX XXXX ) ). In my dispute to the credit reporting agency on XX/XX/XXXX, I explained my dispute in detail and requested for an investigation to be conducted regarding the information on my credit profile. In my research, XXXX court noted : XXXX t ] he standard of conduct by which the agencys action is to be judged is deeply rooted in the law of negligence : what a reasonably prudent person would do under the circumstances. XXXX XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX ( E.D. XXXX XXXX XXXX, citing XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX. XXXX XXXX ), affd, XXXX XXXX XXXX XXXX XXXX Cir. XXXX ) ). I want to see what that the credit reporting agencys procedures are reasonably designed to prevent inaccuracies, but also whether the agency actually followed its own procedures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Or. Apr. XXXX, XXXX ) ). It is not enough that a CRA have procedures in place. The employees must follow those procedures in each and every report they prepare ( XXXX U.S.C. XXXX ( b ). See XXXX XXXX XXXX Advantage LNS Screening XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRAs failure to following its own procedures for matching consumers with common names was evidence of willfulness ) ). The CRA must not just have reasonable rules, but the employees must strictly follow those internal CRA rules. XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX ( E.D. La. XXXX ). Cf. XXXX v. Ohio XXXX. Bank, XXXX WL XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( fact that furnisher ignored its own policy and procedure manual could raise issue of fact as to whether it conducted reasonable investigation ) ). In XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX explained that a consumer satisfies their initial burden by presenting evidence tending to show that the CRA published a consumer report containing inaccurate data. Ive done this on XX/XX/XXXX. Per the settlement with a multistate group of Attorneys General, ( Assurance of Voluntary Compliance/Assurance of Voluntary Discontinuance, In the Matter of Equifax XXXX. XXXX. XXXX, Experian XXXX. XXXX, XXXX XXXX and TransUnion XXXX XXXX XXXX ( F ) ( XXXX ) ( XX/XX/XXXX XXXX XXXX, and supervision by the Consumer Financial Protection Bureau XXXX the system was somewhat reformed, but serious deficiencies remain ( Chi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Injustice Redux : XXXX Years after a Key Report, Consumers Are Still Frustrated Trying to Fix Credit Reporting Errors ( XXXX XXXX, XXXX XXXX XXXX. In my research, according to FCRA XXXX XXXX a ) ( XXXX ) ( A ), the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file..... before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Since I mailed the letter, Ive allowed 5 days for mail time to the credit reporting agency which would mean the credit reporting agency, according to my calculations, had until XX/XX/XXXX to provide their response to my investigation. The problem that comes into play is that the bureau has never sent me proof that an actual investigation took place, nor did they show me their method of verification that I requested on XX/XX/XXXX. I also requested verification so that I can see what the credit reporting agency is reviewing before entering inaccurate information onto my credit report. Based on the lack of requested verification from Target, how are XXXX XXXX they allowed to verify the accuracy of what they are reporting to the credit reporting agencies, when what they are reporting are inconsistent with the other credit reporting agencies and XXXX XXXX how are the credit reporting agencies actually conducting a reasonable investigation when they dont have all of the required information based on my dispute?
Company Response:
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I paid off my balance on XX/XX/2021 but they refuse to make my credit available after contacting them several times.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
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: I placed a pickup order at a Target on XX/XX/25. Since it was for the wrong store location, I canceled it within an hour of placing the order. The order was fully canceled and I never picked up the item. I had used a Target master card and called their customer service XXXX times since then to get a refund. The first XXXX times random reps told me it would take XXXX hours for the refund to be processed. It never happened. Third time it was escalated to some team, and they are telling me they do not know when this will happen. We are now in XXXX.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX Issue I received a statement addendum, dated XX/XX/XXXX, again, this year, from Nordstrom informing me that they were reducing my credit limit by, this time, {$500.00}. ( Last year it was {$1000.00} ). [ From the Nordstrom Statement ] Your current report reads : SERIOUS DELINQUENCY RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH NUMBER OF ACCOUNTS WITH DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED On Nordstroms statement I was invited to contact the agency directly. When I called the number given for XXXX : XXXX, there was no live person to discuss their blunder. I was referred to NORDSTROM. I called Nordstrom. The young man I talked with said they adhered to the information provided by XXXX, and referred me back to XXXX. He also checked my account and found no problem. There seems to be no responsible humans at XXXX, only telephone robots available. The reality, which they dont seem to care about is that : In early XXXX, I realized that just to live modestly on my income from Social Security, I was over using credit cards and running up balances I could not deal with. I submitted most of my cards to XXXX XXXX XXXXXXXXwhich looked to be the most reputable organization in class. Since then, they have settled with XXXX XXXX, XXXX and XXXX XXXX. They have yet to settle with XXXX and TARGET. I have no control over these balances. Understand that I have done everything in my power to be responsible. I have 2 older cards that remain active : XXXX and Nordstrom. Please check with them and verify that I commonly pay over the amount due before. the cutoff deadline. I HAVE NOT BEEN DELINQUENT WITH ACCOUNTS FOR WHICH I AM RESPONSIBLE. And I am working to lower my balance. As you know, if one is not wealthy, interest rates are obscene. The XXXX report doesnt have much relationship to reality. I think the robots are also XXXX. I am working to clean up my financial relationships, and wish to re-establish a positive credit score. RE : The report : 1. SERIOUS DELINQUENCY. -- XXXX None XXXX XXXX. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. -- -XX Questionable XX 3. NUMBER OF ACCOUNTS WITH DELINQUENCY. -- XXXX None XXXX 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. -- - XXXX None XXXX This report has caused a reduction in my credit line and maintaining a low credit score. The XXXX report is irresponsible and causing me financial damage. And finally, I stumbled upon your websitegiving me hope of restoring my credit and credibility. ( I have no idea what the other two agencies are reporting ) Please check my history and demand XXXX Adjust my report. I need a copy to present to Nordstrom ( or perhaps you can correct.. )
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A