Date Received: 2021-01-12
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Target contacted my mother who has the same name as me. They threatened legal action and harassed her ... even though she advised them that she did not have a Target Credit card and owed them no money. They insisted that she did and told her they were going to sue her and threatened other legal action if she didnt make a payment. They did not confirm her identity and proceeded to disclose the amount of money owed them. This violated my privacy and caused a rift in my family as they were upset that I had foolishly gotten myself in debt. My debt counselors advised me not to have any verbal contact with my creditors through this process.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Target red card refuse to update balance on my credit report! Claiming theyre unable to change!! Im on a payment plan! I Try to make a phone payment on XX/XX/20 and XX/XX/20 but the service unavailable due to the holidays!! Made it a payment on XX/XX/20 ( no store branches in my town ). That shouldnt be reported late!! Because the payment was made it next business day!! And they need to update the balance of two billing cycles!!
Company Response:
State: TX
Zip: 78602
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, TD RETAIL CARD SERVICE add a hard inquiry on my credit report. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX I purchased a vehicle for XXXX XXXX in XXXX, NC. I had intended to purchase this vehicle with my Credit Union which I had used for loans in the past without issue. I was preapproved with my Credit Union to purchase this vehicle, but the dealership was pushing me to go with TD Auto Finance instead and they beat my quote by .25 % so I went with them having never used or heard of them before. On XX/XX/XXXX, a full 11 days before my first payment was due, I logged in for the first time to my account. From the account page I went through a process and set up auto pay on the account as I always do on any bill or statement. After setting up auto pay, I didn't pay any more attention to it. Only long after the fact did I see that in my email box I had received a notification that my account that my TD auto finance registration was not complete. ( See attachment in later documents ). My first payment was due on XX/XX/XXXX. Having believed I had already set up my account and set up auto pay, I didn't take any further action. Then on XX/XX/XXXX a fell very ill with XXXX. By XX/XX/XXXX I had a positive test confirmed ( also attached ). When my payment came due, I would have been deeply ill at that time, as did many others in my family fall ill. Our family of 7 ended up all getting sick and we were in quarantine for 5 full weeks until we were all recovered. On XX/XX/XXXX I received a call from my wife ( XXXX XXXX XXXX that she had received a call from TD Auto Finance that they were trying to reach me, and that they were unable to do so. I called them immediately to see what the problem was and they informed me I was late on my payment, and that I owed a double payment. I made the payment of {$710.00} over the phone on that day. It wasn't until sometime in early XXXX that I got an alert that a 30 day late was posted to my credit report, which dropped my credit score from an XXXX to a XXXX. In 20 years of credit history I have never missed a payment. I called TD Auto Finance and requested that they remove the credit reporting issue because I believed that their own system had failed me in the process of setting up my account and auto pay back on XX/XX/XXXX. They said that they could see where I had logged in, but that It didn't show I had successfully set up auto pay. I begged them to remove the report, but they said they were not at fault and would not do so. My next step was to contact the XXXX XXXX XXXX to see if they could assist me in filing a claim. I reported to TD Auto finance that I believed that they did not actually have my correct phone number, because I have absolutely zero record of them ever calling me, nor do I have a single voicemail message from them. They reported in their response to me that they called me at the following dates and times : XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX XX/XX/XXXX at XXXX XXXX and at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, the calls continued every business day around the same time until XX/XX/XXXX. I requested that they tell me the phone number they were calling me on- they did not respond further. I also requested they tell me the number they were calling me from so that I could inquire with XXXX to see if they called me- They also did not respond. I have been fighting with them to remove this report from my credit based on the following reasons : 1. the failure of their online platform to adequately complete my auto pay registration on XX/XX/XXXX. 2. The failure of the company to reach me to let me know I was late - they had my email, my cell, and my wife number and the first time they actually reached me to let me know my account was delinquent I paid it immediately. 3. I had full intention and made full attempt to pay them - therefore this is not accurate reporting. 4. When the payment came due, I was sicker than I had ever been in my life with XXXX ( I believe the Cares act needs to look into credit reporting issues during covid- or provide government relief for cases like mine ).
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I originally opened a checking account in XXXX, received a promotional bonus and closed the account in XX/XX/XXXX. After seeing an advertised {$300.00} bonus which the terms indicated was " available to new customers '' in which " new customers '' were defined as " having no current or prior checking, savings or money market relationship within the preceding 12 months, '' I opted to open a new checking account in XX/XX/XXXX with the promotional bonus applied as I meet these terms. My prior checking account was closed 23 months before the current account, thus I am a " new customer '' and eligible for the bonus. The bonus required that one open the " beyond checking '' account and receive direct deposits in the amount of {$2500.00} within 60 days. I met these terms with a {$2500.00} payroll direct deposit on XX/XX/XXXX. The terms dictated that the bonus would post within 140 days of opening the account. The bonus never posted and, after multiple messages with customer service, I was told that I do not qualify for the bonus as I had a checking account in XXXX, violating the terms of the agreement. A message received on XX/XX/XXXX with a customer service representative indicated that I would not receive the bonus as I received a bonus on a previous account and that the terms stated " one bonus per account per customer and can not be combined with any other offer. '' The message further states that " account XXXX earned a {$300.00} bonus on XX/XX/XXXX the anew account does not qualify as this would be considered combining with another offer, and therefore the account is not eligible for this promotion. '' However, this is clearly contradictory to the terms of the offer, misstating the published requirements to earn the bonus.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
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 paid my TD Bank XXXX card from my XXXX XXXX Checking account via an electronic check on XX/XX/20 BILL PAY TD BANK NA ON-LINE for {$790.00}. The amount was deducted from my checking account that day. Two weeks later I received a past due notice and contacted TD Bank by phone. They indicated they never received it. I contacted XXXX XXXX said it was accepted by TD Bank. It was determined after three weeks of phone calls that the credit card number reference number to pay the account did not match my credit card number. So XXXX XXXX on a three-way conference call with TD Bank and myself gave TD Bank the information to locate the payment. After that I received a letter from TD Bank asking for a copy of the check. I called them again and told them it was an electronic check from a bank. Unbelievable ... Since then I have been on 9 more calls to TD Bank and XXXX XXXX plus two more three-way calls where XXXX XXXX provided the payment information to TD Bank by FAX while we were on the call. Today I was contacted by a credit collector from TD Bank for non-payment after I explained my story AGAIN the TD representative asked if I could hold. I said yes and after waiting about 20 minutes I was disconnected and no one bothered to call me back. The rep said her name was XXXX or XXXX XXXX. I am a new TD Bank customer and they have been a nightmare to deal with and every time I call and have to recant my story then they tell me they never received the information from XXXX XXXX. What incompetence. The {$790.00} was deducted from my account on XX/XX/20 for a bill due on XX/XX/20 and I am still being harassed by TD Bank for payment they received four months ago. They actually owe me money back as I over-payed. I can't deal with this anymore. Please contact my son XXXX XXXX. He has durable power of attorney over my finances and he will be handling this matter moving forward. Thank you.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: While I was away on a business trip out of the country, TD Bank Customer service gave access to my account to an unauthorized user. TD Bank sent me a letter acknowledging the account takeover was their responsibility, said I am NOT liable for any of the fraudlent charges, and would be restoring my credit account -- including credit limit and all other card perks. I have yet to receive my new card or account despite receiving the attached letter.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: TD bank violated their agreement with the Consumer Finance Bureau by excessively charging a military veteran excessive fees. Not only that, TD bank returned automatic payments but kept bank fees and violated our contract to still pay all debit transactions based on our signed debit card transactions overdraft agreement. I was in Another State for XXXX Holidays, I called TD Bank and informed them of that as it was my duty to make all financial institutions aware that I am out of town for XXXX holidays to prevent fraud. I had the money in my td bank savings account. Td bank never attempted to retrieve the funds for payment from my savings account, but instead, they returned automatic monthly payments and charged me excessive fees. Moreover, td bank is in violation of the CPPB agreement and policy because td bank charged me in excess of more than 6 banking nsf and overdraft fees within 1 week which is a direct violation of CFPB AND THE FAIR DEBT/CREDITORS ACT. Td bank never sent me written communication of these excessive fees. Lastly, when I informed TD bank that I am traveling for XXXX in another state, and asked TD bank, how do I deposit money in my account, td bank stated that they dont have a bank in the state that I am traveling to and td bank told me to have a friend deposit the funds for me in my home state which could be a violation of potential fraud by td bank making me tell a friend to deposit funds in my personal bank account. I asked td bank are there any other alternatives of getting access to my bank account to deposit funds and td bank said NO. Please pull all recordings of td bank conversation with me for XX/XX/2021 on the phone for further proof. Thks
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Because of my identify theft issue, cyber criminals able to deposit fraudulent checks and withdraw funds thru electronic transfers. That caused other transactions bounced back with return fees and overdraft fees.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am trying to take out a mortgage on my house. I have a HELOC from TD that needs to be subordinated in order to close the mortgage. It had taken TD many many weeks to review the documents and to respond. It also seems like it has taken TD weeks just to retrieve documents that were faxed. This delay has caused my rate lock to expire and a need to refresh certain docs for my mortgage. TD is either non-responsive or takes weeks to respond. See attached as an example. The subordination application was submitted on or before XXXX XXXX, XXXX. I reached out on XX/XX/XXXX for an update. I didn't receive a response until XXXX just saying things are delayed. I didn't receive a real response until XX/XX/XXXX. We have sent in all of the requested information by the end of XXXX and have not heard anything back yet.
Company Response:
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A