Date Received: 2021-02-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a call today ( XX/XX/XXXX ) from XXXX asking to verify a loan application that I did not make. Based on this call, I pulled my credit report and found two hard credit pulls that I did not authorize : 1. " TD BANK USA/TARGET CREDIT '' ( XXXX XXXX XXXX XXXX, MAIL STOP XXXX XXXX XXXX, MN XXXX ) on XX/XX/XXXX. I called TD 's Target credit card phone number ( XXXX ) to inquire why a hard pull was made on my report. I gave them the information they requested, including my SSN, and they could not find a record of an application under my SSN, nor could they tell me why they made the unauthorized hard credit report pull. ( see page XXXX of " XXXX '' ) 2. " XXXX XXXX, XXXX XXXX '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I called three different numbers for XXXX and the XXXX XXXX credit card line, and all of them required me to enter my account number or SSN. Because I have no account number, I entered by SSN, and because I have no account with XXXX XXXX XXXX XXXX, their records found nothing. I tried entering XXXX to reach a human being, swearing, etc. and was unable to connect with a human being. I called XXXX directly, and they transferred me to the same automated line requiring an account number. ( see page XXXX of " XXXX XXXX '' )
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, Nordstrom/TD Bank USA, and TD Bank USA/Targetcred. The Account Opened is XXXX Card Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$5000.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$6100.00}. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, Nordstrom/TD Bank USA, and TD Bank USA/Targetcred. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$5000.00}. The Account Opened is Nordstrom/TD Bank USA Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$6100.00}. The Account Opened is TD Bank USA/Targetcred Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a TD Bank checking account on XX/XX/XXXX and closed it after six months. I reopened the account on XX/XX/XXXX. Account to promotion agreement on their website, '' Offer is available to a new personal checking account at TD Bank with the preceding 12 months '', I believe I qualify for this offer. The KEY words are customers who do not have an existing or prior with the preceding 12 months. I did not have an account with TD Bank in the past 12 months before I reopened. I met the offer criteria. I had tried to contact the representatives through the security message, and they did not solve my problem. They told me that I do not qualify because I received a bonus on a prior account.
Company Response:
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Getting the loan
Subissue:
Consumer Complaint: On XX/XX/2021 I was in process to buy a new cell phone on XXXX website and chose to finance my purchase by way of monthly payment over 36 months. The site directed me to TD.com for approval. I was asked to call ( XXXX ) XXXX in order to complete the credit application process, which I did. After verifying my information, I was put on hold for a while and then was told that my credit application was denied and I would receive further information by mail. I paid for the phone in cash using my credit card. I received a standard letter stating denial of credit and asking me to contact TD Bank for further information within next 30 days, which I have done. by email as follows : Quote I am in receipt of your letter dated XX/XX/2021 denying credit for purchase of XXXX phone. I am highly surprised by it and also extremely disappointed at TDs incompetence in handling of this matter. In short, I am considered as a high net worth ( can provide the documents for liquid assets of about {$2.00} XXXX ) with excellent credit score over my entire life, never had a single overdue bill in my entire life, NO DEBTS, fully paid up home, no car loans, no consumer loans. I have two credit cards issued over decades ago which have never had outstanding balance and one decades old credit line for overdraft protection which has never been used. I have high income and have been charging between {$7000.00} - {$10000.00} per month on my credit card for decades, which is paid off in full each month. I do not see any reason for denial of credit based on my financials and would like a detailed explanation to show that such denial was not based on illegal discriminitory practices under the law. I am also filing a complaint to this effect with Consumer Financial Protection Bureau. I look forward to hearing from you. XXXX Thank you
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ive had my Target red card since 2017, clean payment history, never delinquent. I have automatic payments set up from my credit union checking account, currently I was paying the minimum payment. My balance was getting a little high and I didnt want to pay 22 % interest on my balance I saved 5 % on at tik of purchase. I logged into their mobile app, and using the SAME checking account the minimum payment has been coming from, and selected to pay balance in full. A couple of days went by and I received a notice that I was past due. They claimed my checking account was close and payment was rejected, and charged me {$30.00} in fees! I called an told them that is the same checking account the monthly payment has been coming from and it is not closed. I reviewed my checking account history and no debit attempt was made from Target. I called regarding the account which was now 5 days past due and I was treated like a delinquent! They read me the attempt to collect a debt verbiage and they flagged my account with collection verbiage. I spoke with an account rep and they lied and said no fees were charged to my account, but my transaction history shows I was charged {$30.00} in fees. I was told they couldnt reverse a late fee they couldnt see. I was furious, told them to process my payment in full and immediately close my account. I consider this activity fraudulent and was charged additional fees for no reason. They are taking advantage of there customer and not following fair debt practices. My checking account shows the pending payment in full, but my Target account stills shows I am delinquent! This is not right!
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my checking account with TD Bank on XX/XX/XXXX. When I opened the account it was within a promotional period to receive {$300.00} bonus after certain conditions were met. 1. New account holder that has not received a bonus within the last 12 months - condition met. 2. At least {$2500.00} in direct deposits made within first 60 days - condition met - {$3700.00} in direct deposits made by XX/XX/XXXX 3. wait a maximum amount of time for bonus to post ( XX/XX/XXXX ) - condition met I had met all conditions and spoke to multiple customer service representatives in regards to where my bonus is but they just keep telling me to wait and that they will forward to promotion department. I have met all conditions and expect that my bonus be paid as is stated in the terms and conditions ( Which I do have screen shot copies of the terms and conditions )
Company Response:
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Monday XXXX, I, XXXX XXXX XXXX, went to TD Bank on XXXX XXXX XXXX XXXX XXXX Florida XXXX where I have a checking account. I have had that checking account about 10 years. My son XXXX XXXX was with me and we had just picked up a check for {$16000.00} dollars. This check was from the largest law firm in XXXX Florida, XXXX and XXXX. My son and I wanted to open a savings account. We spoke to XXXX XXXX, Finical Services Representative. My first question to Ms. XXXX was .... will there be a hold on this check? MsXXXX XXXX answered that it would only be 24 hours and all funds will be available on Wednesday XXXX. I asked Ms. XXXX if she was sure and explained that i could go a half mile down the street to XXXX XXXX and cash the check, return and open a savings account where I have had a checking account for around 10 years. Ms. XXXX XXXX said she was 1000 percent sure. So based on that ... My son and I opened a Savings Account. On Wednesday XXXX I checked my online account and there was a hold until Tuesday XXXX. I spoke with the TD Bank XXXX Customer Service on the phone. I was escalated to a supervisor who instructed me to contact my local TD Bank Branch which I had deposited the check at, as they are the ones who placed the hold on my check. The supervisor told me the local branch manager is at discretion to release the hold. They instructed me to call the Branch. I did and spoke with XXXX the assistant Branch Manager and she said that MsXXXX XXXX XXXX was wrong and that she thinks she said that Under Pressure to open accounts and will look into that wrong and that is ... NOT ... TD policy to open up accounts under fraudulent actions. Meanwhile they will not release the funds, although the District Manager named XXXX XXXX who I spoke two on two different phone calls, said he would straighten this out and get the funds available on Thursday XXXX. This has Not happened and I have called him two times today to ask about my money and he has NOT returned any calls. I called the Manager who is in rehab or on vacation and he has Not returned my calls. Furthermore today, I called the branch and the Assistant Branch Manager is NOT in today. It is becoming VERY obvious that TD Bank is using Fraudulent methods to get customers to open accounts. I explained to the District Manager, Mr. XXXX XXXX, the whole situation and he agreed that TD Bank was NOT living up to Honest, Transparent, and Customer expected service. As a senior on a fixed income with XXXX sons to support, TD Bank deceptive practice has hurt me and I ask for a FULL Civil Investigation of this matter. I ask that a CRIMINAL referral to the DOJ happen as well. How many OTHERS have been HURT by the deceptive practices of TD Bank?
Company Response:
State: FL
Zip: 32080
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I first reached out to TD Bank through the CFPB on XX/XX/XXXX. At that time there were issues preventing me from accessing my accounts. Those issues were resolved. I was granted additional time by your Promotions Department to meet the requirements for the promotions that you are running on your Checking and Savings accounts. I was granted additional time to have funds transferred into my Savings account - XXXX. I have met all of the requirements of the Savings account promotion. All qualifications were met by me on XX/XX/XXXX as that is 120 days that I had kept {$20000.00} or more in my account. I am due a {$200.00} bonus in my Savings account for meeting these requirements. The {$200.00} did not post to my account as expected. On XX/XX/XXXX I reached out to TD Bank 's customer service through secure message on their web site to inform them that I have not yet received the {$200.00} bonus. I received a response with the following : " Thank you for contacting us about the promotion. This account has been added to our expectations list already. It will be paid during our next fulfillment cycle, within the next 3-4 weeks. We sincerely apologize for any inconvenience. '' I had wanted to downgrade my accounts to a lower-tier, as with the pandemic and health concerns right now and other challenges, I would like to withdraw my funds from the account without it affecting the promotion and without being charged monthly fees. I wish to downgrade the accounts to the lower tiers. However, I have patiently been waiting for the guaranteed {$200.00} bonus to post to my Savings account. I have waited the " 3 - 4 '' weeks as promised. Yet the {$200.00} bonus has still not yet been credited to my Savings account. I feel like I'm being strung along as I wait longer and longer past the date where the {$200.00} was supposed to be credited to my Savings account. I have reached out multiple times to TD Bank to ask when it will be credited. I was informed multiple times that my account is on their exemption list to receive the bonus. So I patiently waited the full " 4 weeks. '' Four full weeks from XX/XX/XXXX should XXXX XX/XX/XXXX. However, the missing {$200.00} Savings account bonus has still not been received. I have been patiently messaging with customer service, but still have not received the bonus. After waiting an additional two weeks ( 6 weeks past the date it was expected to receive the bonus ), I now feel I have to follow-up through the CFPB.
Company Response:
State: FL
Zip: 34482
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a Target credit card that I did not apply for. I notified Target and filed fraud, in which they responded by closing the card.
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A