Date Received: 2020-10-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/20 I submitted dispute to target & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the XXXX that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections target is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
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: Target is refusing to comply with removing and deleting my derogatory report after paying them in full. I had this issue with two other companies XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX, I paid everything in full and they told me the same thing refusing to delete when I submitted a complaint they both removed it so target is the only one that is not wanting to cooperate. I paid with the intention of having everything removed and they are really affecting my credit score, and I dont think this is fair because I paid them all in full everything I owe them including interest charges, penalty fees etc. And I am not going to stop submitting this over and over again until somebody hears me out because this is not right. Hopefully whoever reads this message is able to assist me. Thank you very much
Company Response:
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 0n XX/XX/17 my computer locked up and i called XXXX XXXX and was tlod there was a charge for XXXX for some XXXX site and i had to get gift cards to offset the charge so it wouldn't go thru and i ended up getting my allowal withdraw to raised to XXXX and purchased the gift cards THE BANK SAID THAT I WOULD BE REIMBURSED. Then I got a letter that the investigation determined there was no fraud occured. YES I TOOK THE CARDS POUT AND GAVE OUT THE NUMBERS I want to recover the money and I have all the information from the call and i'm looking to see what I can do. For XXXX I wood be willing to get a lawyer to help, but I dont know what kind. THE BANK IS TD BANK.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: As a small business owner and a minority, my access to credit is limited, hence I use any and all credit I have within my arsenal to finance my project. This includes my Target Card. I usually payoff this card but during Covid, this became difficult as the Bank that was going to finance my project went out of business, as many did in the secondary market. Once the Cares ACT was passed, I notified Target Red Card Services or TD Bank regarding what help was available under the ACT. I notified all my credit card companies including Target. While payment was not made monthly, because the interest rate on this card is really egregious, payment was made yet this card still reported me late to the credit bureaus causing my credit score to nose dive and other card companies to cancel several cards or reduce credit lines which I have but were current on. I contacted Target, and i was told it was a mistake, the reporting will be corrected with the Credit Bureaus and the and they would address the issue and also reverse all the incorrect fees. I was also told the money owed on the account was about {$10000.00} afterall the fees were removed. I made the payment in full on XX/XX/XXXX. The monies were never reversed. The following month, I called them again and I was told the account is showing {$1100.00}. Online the amount showing was {$950.00}. I made that payment. I also learned the credit bureaus had never been contacted, the fees never reversed and since citizens don't have a real advocate, I made the payment with reservation. I have attached a screen shot of what the system showed was due. Lo and behold, I received another bill showing {$140.00} due again on this account.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I contacted TD bank multiple time to resolve this issue and they did nothing to help. I only had 1 account open and due to identity theft and fraud some how some way 5 other accounts were opened in my name that i had no Knowledge about. They forged my signature and i was told these people open this account either online or by phone. These accounts are not mine and I will not be responsible for the damage. Please help me asap with this matter please.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have closed my business due to COVID-19. My TD Bank Business Checking account balance is at {$0.00}. They are refusing to close the account unless I show up in person in the middle of a global pandemic! Do they not watch the news? I have started a new job and am on a 90 day probation period and can not risk taking a day off to go to the bank to deal with this. I just want the account closed - it has a {$0.00} balance! From : Customer Service Subject : RE : SB Account Inquiry Date : XX/XX/2020 Sent : XX/XX/2020 XXXX Thank you for contacting us in regard to closing your business account. We regret that we are not able to close a business account through secure message. Business accounts must be closed in person by visiting your local TD Bank during lobby business hours. We apologize if this is an inconvenience. If you have any further questions, please contact us via secured message or call XXXX and enter your account information when prompted, or enter 0 and select Business to speak with a TD Bank Small Business Banking Specialist, 24 hours a day, 7 days a week. Regards, XXXX TD Bank On-Line E-mail Specialist
Company Response:
State: FL
Zip: 32720
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a TD BANK USA, N.A. / Target account reporting on XXXX that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with TD BANK and XXXX and they have failed to remove it from my credit report.
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My checking account with TD Bank shows TWO withdrawals that I didn't make : {$380.00} XXXX XXXX on XX/XX/2020 {$800.00} XXXX XXXX on XX/XX/2020 I w ent to the Bank and reported a claim for this, the bank sent me 2 letters stating that they have completed the review of the complaint and the investigation determined that fraud did not occur. This answer is because the bank is saying that the PIN number was used on both withdrawals. I insisted that I didn't make those withdrawals and they sent me to the police. I went to the Police station and made the report, unfortunately the bank couldn't give me the exact location of the ATM where the money was withdrawn from for both transactions, they only gave me one location where the {$380.00} was taken from, without the exact location of the other withdrawal of {$800.00} the police can not investigate or get videos. The police said that the bank should be the one investigating all of this and try to locate the videos from those ATM machines since I am telling them that I didn't do the withdrawals or that I didn't authorize them. My card was lost that day and obviously someone had access to it. I need to know who took money from my account specially since the bank is saying that they used the PIN number.
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from TD BANK/TARGET I cant say this more emphatically, I have never had a TD BANK/TARGET account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Company Response:
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Managing an account
Subissue: Banking errors
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 any of the following transactions and have contacted XXXX who tells me they successfully sent the money to the credit card. XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX XX/XX/XXXX : XXXX refund ( XXXX XXXX I called TD on the following two dates : XX/XX/XXXX ( XXXX customer service ) and XXXX ( XXXX supervisor 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.
Company Response:
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A