Date Received: 2023-10-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a target red card credit card. I owe {$30.00} on the card. It was not aware of my pay date. My account went 30 days late I'm not denying it I have 100 % pay credit rating with target. It just slipped my mind but I never once get a email statement or a paper statement I gets pictures of all the mail that comes to my home I called the post office to see if they can track the mail but they said if they don't have a tracking number on it the mail couldn't be track but that's neither here nor there I haven't been receiving statements from target nor email and I have screenshots to prove it I asked them what could I do to prove to them that I haven't received anything they stated nothing that they had to report accurately and that was 30 days late which I don't deny but had I had notification that a bill was due I would have paid it
Company Response:
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Someone opened a XXXX account through TD bank.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I purchased a sofa through Raymour & Flanigan, and opted for zero-interest financing with a Deferred Interest plan . 12 months later, I was charged a lump-sum deferred interest charge equaling 29.99 % APY on the purchase. However, this deferred interest plan was not clearly communicated. The Truth in Lending Act ( TILA ) as well as New York Banking law requires clear and prominent communication. My grievances are as follows : 1. First, my cardholder agreement is not available on the TD website at XXXX XXXX XXXX There is a generic form of Raymour & Flanigan cardholder agreement available, but that agreement cites deferred interest periods of " generally 6 to 24 months ''. The terms available on their website do not specify that my specific agreement was for 12 months. 2. Second, although monthly statements were generated in TD 's system, but these statements were not sent to me electronically. Prior to XX/XX/, I did not receive any monthly statement notices from TD at all. Only one year after I enrolled in the program, from XX/XX/ onward, I began to receive generic emails that reference that a statement is available in their system, for which I need to log in online to access. However, these emails did not communicate basic information such as account balance, interest accrued, or the existence of a deferred fee plan. 3. Third, the only document that references the deferred interest rate plan was in the statement that can be downloaded on XXXX XXXX XXXX However, the deferred interest rate program is not referenced in a clear way. The first page of the statement does not make reference to such a plan at all. There is only one line of information buried on the third page that mentions a deferred interest program. 4. Fourth, the XX/XX/ statement was inaccurate and misleading. On the first page of the statement, TD communicates that {$40.00} will be charged in XX/XX/. However, the actual amount charged that XXXX exceeded {$500.00}. I believe that TD and Raymour Flanigan Credit have acted in bad faith. They have published misleading terms on their website, have failed to communicate statement balance and other relevant information in email, have buried details of their deferred interest plan in statements that can only be accessed from within their website, have failed to communicate the expiration of the deferred interest rate program, and finally have provided misleading and inaccurate information on the XXXX XXXX statement.
Company Response:
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Money was unauthorized withdrawal from my account
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I've been late with payments for the last few months, generally paying 15-20 days past the due date. Whenever this occurs, TD Auto finance calls me six times a day, 7 days a week. Three times a day on my cell phone, and three times a day on my home phone. I never at any point gave consent for this, unless of course they decided to hide it in their lengthy TOS. If so, I was never made aware of this, and I have a really hard time believing that consent can be given in such a way legally.
Company Response:
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX : # XXXX, TD AUTO FIN : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Company Response:
State: TX
Zip: 77071
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have unenrolled from multiple overdraft programs multiple times that I never signed up for. Every time I call the bank and am overdrafted I find out that Im signed up for a new one. They dont process any transactions in order and they do this to purposely overdraft customers. Every charge is pending for a different amount of time and they have been purposefully choosing which transactions to process first and it always ends up with me overdrafted even though I should not be able to overdraw my account whatsoever as I have opted out of every overdraft service multiple times.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
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 made a purchase through what I believed was XXXX on XX/XX/XXXX for XXXX XXXX Galaxy XXXX XXXX XXXX phones. It turned out the company I made the purchase through was under the name " XXXX XXXX XXXX ''. Zero payment information was sent to me and when I noticed my credit score took a hit I was able to find the payment information through XXXX XXXX. It turns out the payments were to be made through TD Bank. I can live with that hit to my credit report being I was partially responsible. What followed was an all out assault to my credit score. Auto payments were set up and I assumed I was good to go. XXXX comes along and I see another hit from TD Bank on my report. I call once again asking why and am told the automated payment didn't go through. The account had much much more then sufficient funds to pay. Then in XXXX and XXXX of XXXX the same thing happens and I am fed up with the company. I call to completely close the account and pay in full the remaining balance. When doing so I am given an incorrect amount to payoff. The company agreed to remove the following hits to my credit report. My credit report is hit yet again and yet again I call asking why I am still getting hits on my credit report after paying in full the complete balance. I was told " There's still a remaining balance of $ XXXX ''. I ask the representative why on earth would I would pay $ XXXX and leave such a low balance? No answer was given. I again paid off what I believed was the remaining balance. Nope, they again hit my credit report. I call again absolutely furious at this point and request the full payoff amount and am again told it is " $ XXXX '' I ask to speak with a manager and she gives me a different answer to the payoff amount. Finally got the correct payoff information and the account was paid in full. It still states I made payments till XX/XX/XXXX yet I have had the account closed since XX/XX/XXXX. The fact these are the only missed payments on my credit report speaks volumes about the company. I have tried to resolve this through disputes but have come up empty.
Company Response:
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, my checking account was hit by fraudulent withdrawals. Even before the fraudulent transactions the bank sent me a text asking if it was me authorizing these transactions. I replied " NO ''. The funds were still allowed to be withdrawn from my account. A total of {$480.00} dollars at first. I called the fraud department immediately. I was levied because I keep dealing with these fraud and identity theft issues for years now. And, no one is willing to help you. After, reporting the thief to TD BANK. They closed my debit card and assured me they would take care of the matter. The situation just got worse. Because literally a few days later my account was hit again totally emptying out the whole checking account on XX/XX/XXXX. Stealing my paycheck and XXXX payment. A total over {$2300.00} was stolen from a company I've never had an account with in my life. A loan company called XXXX. TD BANK only returned {$630.00} of my money after telling me repeatedly that I should see the rest of my funds soon in my account that they blocked. I had to make a new account and I went into the branch and had a new debit card made. TD Bank then allowed the new account to be breached as well. These thieves cashed ( XXXX ) XXXX insurance checks that was electronically deposited. That TD flagged as fraudulent after cashing them and charging me twice {$15.00} for returned check fees. They sent copies of the checks. They literally have no real signature. A electronically printed signature. My hand writing is chicken scratch. So, obviously not me. They closed my new account and stopped doing business with me. Refusing to allow me access to my statements so I can make a police report with some solid evidence. TD Bank, XXXX, XXXX, and XXXX XXXX XXXX are telling customers they protect your accounts from " fraud ''. Totally not true. They do everything in their power to rob the consumer as well. My employer uses a company called XXXX for pay. I've had to result to using them. And, they allowed this XXXX company to withdraw over {$1700.00} from my account. I'm in a battle with them to return my funds. I most likely will be evicted from my home because of being totally robbed while working myself to death to build a life for myself. And, someone is literally destroying my life with all this thief. I'm totally broke. I need immediate help. No one is doing anything about these banks. I must note that all my problems began with TD BANK. THEY WERE MY FIRST BANK ACCOUNT. ALL OF THIS BEGAN WITH THEM AND I SHOULDN'T HAVE RETURNED TO THEM FOR BANKING. PLEASE HELP! I'VE TRIED REPEATEDLY TO GET XXXX TO RETURN MY FUNDS. AS WELL AS TD BANK. I'M AFRAID I MAY NEVER BE ABLE TO BANK AGAIN. Also, my paperwork is limited because the banks encourage paperless statements. Now, I know why. So, it's harder for you to have statements in hand. When they closed my accounts and blocked them. I was unable to access my statements. Therefore, limited evidence for you to challenge them. I have limited documentation. But, it doesn't make my ordeal less true. Beware of the banks. Some of the thieves are working inside. In my opinion.
Company Response:
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was contacted by an individual at approx. XXXX on XX/XX/2023 stating he was the XXXX Department XXXX TD Bank advising me of a fraudulent charge on my debit card. He provided the last XXXX digits of my card. He stated it was a charge from a XXXX in Texas for approx. {$250.00} and done through an XXXX XXXX of another device. This gentleman had me on the phone intermittently for approx. XXXX, referencing my name, address, date of birth, email, phone number, XXXX ID, and I received several text messages from TD Bank to verify my identity while on the phone with the individual. I then noticed a secondary device logged into my XXXX ID and phone. Another individual came on the phone as a agent verifying my credit card information they already had and accessing my XXXX XXXX to create an XXXX XXXX. The card was created without my permission. I hung up with the individual around XXXX. I then received a fraud alert text message from TD Bank for a {$2000.00} XXXX charge. At which time I called TD Bank customer service who advised me there were no fraudulent charges on my debit card but there were XXXX ( XXXX ) new debit cards printed in my name for my other accounts and a significant amount of my balance was withdrawn fraudulently. There is also a concern of identity theft because to open new debit cards would require a government ID and they already knew my personal information.
Company Response:
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A