Date Received: 2020-10-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2020 I received a letter back from XXXX stating that the account I disputed was verified and a derogatory mark still remains on my credit report per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection/charge-off. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Target Card Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I had an auto loan thru TD auto financing. I traded in the car at XXXX XXXX and got another car thru XXXX XXXX XXXX financing. However, the XXXX payment for the TD bank loan went thru automatically. XXXX told me TDBank would refund me the {$320.00} once the car loan and sale went thru. This was in May after numerous phone calls to TD Bank I was told that the check would be sent. Many conversations were done with XXXX XXXX at TD finance. It is now XXXX still no refund.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This complaint is in response to lack of recourse from an ATM deposit made on XX/XX/XXXX in the amount of {$1900.00}. A deduction in the same amount was made on XX/XX/XXXX. Furthermore, a overdraft fee was levied on XX/XX/XXXX in the amount of {$35.00} and a maintenance fee of {$15.00} was levied XX/XX/XXXX. This incident is a repeat occurrence from a deposit back on XX/XX/XXXX.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: TD account number : XXXX TD debit card number : XXXX I canceled my TD checking account. I used my debit card to return items at XXXX after the account was closed. I never received a check or refund for the following transaction and have contacted XXXX who tells me they successfully sent the money to the credit card. XX/XX/XXXX : XXXX refund ( XXXX ) I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX XXXX timestamp XXXX XXXX EST ) XXXX sent an email to the department that would handle closed account transactions to get information. When I called back XXXX told me the department claimed they never had any record of the 'transaction ' or of a store attempting to give me a credit. I never gave a specific transaction the first time. I was not allowed to contact the department directly or dispute the transaction ( I was told I could not dispute the transaction - not receiving credit- unless I had a complete record of when I purchased everything I returned - not just the information from the refund ). I was never given an option to escalate the inquiry or request an investigation. I was left with no options other than to just lose money. I checked with XXXX and they sent the refund over and from there everything is the responsibility of TD ( attached proof from XXXX ). The debit card accepted the transaction and did NOT decline it. I will to get a full refund of the amount TD owes me, as well as full records of my account in case there are other transactions I am unaware of since TD is refusing to give me records or let me speak to the proper department and is handling this inappropriately and irresponsibly. In addition, I have submitted multiple requests and TD keeps completely bungling them. I had multiple transactions and instead of looking for each transaction separately, they combined them and told me they didn't find a transaction with the amount. I just received a letter saying they never found a transaction in the amount of XXXX but I never gave them that amount. They are handling this completely wrong and it's astounding the level of incompetence they have.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The selections stated are not accurate but the best answer with the selections given. TD Bank Retail Services is doing the financing for XXXX. 48 months no interest, minimum payments. XXXX requirements is your Billing and Mailing address must be the same. That is not possible as the community I live in does NOT receive XXXX mail. They will not accept XXXX XXXX. I call XXXX and there is nothing they could do. Also due to COVID-19 I am not in primary residence. The TV was not for my primary home either. I was told to call TD Bank and have them update my address. TD Bank Retail Services Number XXXX. You try calling to see if you can get through. How can they be in business if they don't pick up the phone and assist their customers? No email either. Only XXXX. I spoke with XXXX # XXXX. The only person I spoke with he called me and advised me to place the order and then change the address. from XXXX on hold each time 4-5 hours, NEVER spoke with someone, always disconnected. TD bank could no update my address until I have an account. The only way to have an account was to place the order. I was told by TD Bank to place the order and the call back to amend the address. I called and called 5 times all on hold 5-8 hours and NEVER speaking with someone from XXXX. The items were shipped before I could speak with anyone. I am 125 miles away form the shipping address and out of state. Many restrictions on leaving and entering states ( NY, NJ & PA ) Also the TV was too big to fit in my car and drive it back 125 miles. The address was finally updated after the fact. I had to get some to return the items for XXXX shipping. Not an easy task at all. Also the delivery was restricted so I could not change the delivery address nor could XXXX. I called many TD offices, and department and nobody could help me except that department " TD Bank Retail Services ''. They did not have an internal number to call so a few kind individuals called on their line while I was on hold. Again could not speak with anyone. I had to wait until the products were retuned so I could re-order. Now I have the bill with the incorrect amounts with late fee. I want a refund of the late fee. I have been on hold now for 2 1/2 and I am hanging up. I have contacted TD Bank again thought XXXX now was well.
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I had an auto loan with TD Auto Finance and paid the loan off in XX/XX/XXXX. I received an overpayment in XX/XX/XXXX and misplaced. I found the check in XX/XX/XXXX and contacted the Loan Department. They stated a check would be re issued within 21 days. On XX/XX/XXXX I contacted the bank again and they stated the issue was turned over to XXXX XXXX and they would reissue the check some time in the next 30 days. I contacted them on XX/XX/XXXX. The bank stated they do not know when the check will be issued or mailed. They hope by the XXXX XXXX XXXX. This to me is taking too long for a simple re issue of a check Thank you
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I do not know why this account is reported here. There are too much missing information that makes this account point to nobody. I want this removed from my report asap. This is an easy task because when you look at my report you can see how this account is reported.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account reported is inaccurate. Multiple disputes and furnisher will not update record. Balance and history incorrect. Account closed, balance {$0.00}, paid.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD Bank USA/Target is falsely reporting that I made a payment on a charged off account that I have disputed. I have written to the bureaus to request an investigation three times. The first time they did not notate the account was in dispute or delete the account. XX/XX/XXXX only sent me an updated copy of my credit report showing the account is in dispute but they did not delete the account. After not receiving a response from XXXX XXXX and XXXX after almost a month had passed ; I found although neither of them did not respond to me in writing they both updated the account as being in dispute and they did not delete the account. The second time I wrote to them to request they delete this account based on inaccurate reporting, instead of them deleting the account they updated the account with TD Bank USA/Target falsely reporting that I made a recent payment on the account, which I did not, and they did not change the last activity date and the amount they claim I owe did not decrease. I wrote to the bureaus a third time to request they investigate how the payment was made, by providing me with proof of the payment whether it was a money order, check or confirmation from my bank as is my right. I have not received any proof whatsoever and the account is continuously being reported and not deleted by the bureaus. They are in violation.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: Companies involved : XXXX XXXX TD Bank XXXX XXXX XXXX XXXX I have been working with XXXX XXXX XXXX XXXX to have a shipment of products sent to my home. I was asked to wire {$18000.00} for a XXXX XXXX for US Customs. The shipping company provided me with the wiring instructions. On XX/XX/2020 I asked my bank, XXXX XXXX, to do the wire transfer to an account at TD Bank. I received a Reference Number ( Item # 1 Wire Confirmation ). On XXXX, XXXX, XXXX, the shipping company sent me an email stating that their representative in the states was unable to receive the money because it was not authorized by my bank. They also asked me to call back my money into my account. I have contacted TD Bank and they would not talk to me without the beneficiary of the account. Since then I have been asking my bank to recall my funds from TD Bank with no success. I received several emails from the shipping company that they do not understand why my bank can not get my funds back into my account. I have numerous emails back and forth with the shipping company about our communications that funds should have been released, recall failure, etc. I have contacted my bank on the following dates to gather information and get my funds recalled : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Company Response:
State: ID
Zip: 83646
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A