Date Received: 2020-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: They collected money from me, end they reported on my credits report every moth. My bankruptcy was XX/XX/XXXX chapter XXXX in XXXX XXXX XXXX florida all account for my ex husband was included and my accounts because we was married and joint most account this a punt was closet and reopen on XX/XX/XXXX with XXXX $
Company Response:
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX refuses to remove td bank inquiries
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: To Whom It May Concern : I am a victim of identity theft. I have contacted your company directly and through a third party on numerous occasions beginning on or about XX/XX/XXXX through the current date. I have experienced ongoing derogatory impact to my credit and my life as a result of being exposed in the XXXX XXXX data breach. I was reported deceased by creditors and credit bureaus. In addition, I have experienced over seven known occurrences of fraudulent charges to my debit/credit cards which have resulted in re-issued cards and account closures. The information listed below is provided to assist with my identity restoration as a result of the damage I have suffered from identity theft. I have requested assistance from your company on numerous occasions and you have been notified of my issue. Your company was notified that I am a victim of identity theft and declared deceased. In my situation your company failed to comply with applicable laws, rules and regulations related to company- wide handling of identity theft victims and deceased customer notification. Your company failed to align me with the appropriate department to address my issue and the subsequent account issues. Your company did not exercise due diligence to protect me as a consumer. As an identity theft victim, I contend that my rights were violated under the Fair Credit Reporting Act and the California Credit Reporting Agencies Act. Please block this account and information from my credit report, pursuant to, and send the required notifications to all furnishers of this information pursuant to the : OBLIGATIONS OF FURNISHERS UNDER THE FCRA
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have obtained XXXX XXXX XXXX XXXX, offered by TD BANK, N.A approximately a month ago, for the purpose of making a XXXX product purchase. Shortly thereafter, I've received from TD BANK, N.A the attached privacy notice, which in summary says they will share my personal information with 3rd parties for marketing and other purposes, unless I instruct them NOT to do so, by calling the phone number, listed on the attached notice. Until this day, TD BANK, N.A had failed to pick up their phone - I have called for 3 weeks straight, every day, using the number provided and 2 more general TD BANK, N.A phone numbers for customer service and account management. I've waited HOURS on hold each time, with some calls lasting over 4 hours only to be disconnected by TD BANK, N.A at the end, without picking up. By failing to EVER pick up their phone TD BANK, N.A disallows me to-opt out from sharing of my personal information by them, even though according to federal and California privacy laws I have a right to limit the sharing. This is violation of my privacy. Additionally, I attempted to register for XXXX XXXX online account, provided by TD BANK, N.A as instructed by email XXXX and TD BANK , N.A . The registration failed due to programmatic issues and site design oversight. As a result, I'm not able to access, view any of my personal or financial information, associated with my TD BANK, N.A account, and also unable to view or pay any bills. As stated above - I had been calling TD BANK, N.A 's customer service and other TD BANK, N.A numbers FOR WEEKS, every day, but TD BANK, N.A is failing to answer any of its calls and remains completely inaccessible to me, its customer. I request CFPB 's help to STOP TD BANK, N.A from abusing my personal information and to penalize TD BANK, N.A for making itself completely unavailable to its customers to both, exercise privacy choices and handle issues, related to TD BANK, N.A account, including reviewing and paying bills.
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hi TDRC/XXXX ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Dear Sir or Madam : I am responding to my discovery of how TD Bank USA/TargetCred has negligently and negatively impacted my good credit. On or about XX/XX/XXXX TD Bank USA/TargetCred reduced my credit limit claiming I had too many inquiries on my account, *WHICH IS INCORRECT, and that my account had been dormant. The TargetCred representatives and supervisors indicated they reduced my {$1500.00} credit limit to {$500.00}. What a JOKE and DIS-SERVICE to good credit worthy consumers, such as myself. They stated they obtained this information from XXXX. TD Bank USA/TargetCred is conducting unfair and harmful practices to consumers. Here are the facts : 1 ) I was never notified, encouraged, or even threatened by TD Bank USA/TargetCred that my account activity was considered dormant and/or at risk of its credit being reduced. Nor was I ever informed to increase use of my account ; 2 ) TD Bank USA/TargetCred representatives indicated I had too many recent inquiries. *What a JOKE *I only had two credit inquiry in the past 5 years, outside of TD Bank/Target. They were, in fact, the very last ones who had checked my credit history, prior to issuing me credit with them back XX/XX/XXXX. Bizarre.??? The problem and huge DIS-SERVICE this does to credit worthy and responsible consumers, such as myself, is it harms US, has negative impact and consequences on us. When companies such as TD Bank USA/TargetCred do not inform its customers, reduce their credit, this causes a potential increase in credit usage, and messes up our good credit profile. Shame on TD Bank USA/TargetCred! For the last 8 years, I do not carry over a 3-5 % balance on my credit cards. I pay them off. It wasnt until I was notified by XXXX that my credit usage had significantly increased to 21.60 % due to this reduction change in my credit, unknown to me. Good thing I was not attempting to conduct financial business. This unknown negative information could have significantly affected me receiving fair and just credit services. I have maintained an excellent payment history for the past 8 years, and I maintain a very low-to No balance on my credit cards. This is my normal. I maintain a great paying history. I have very few credit inquiries in the past 5 years. All of this has been repeatedly reported on all of the three major credit bureaus ( XXXX XXXX XXXX and XXXX ). According to the FCRA, credit inquiries resulting in denial of credit based off of false or inaccurate information obtain by a potential creditor/lender are to be removed immediately. Furthermore, it is well established that hard inquiries resulting in denial of credit based off of incorrect/inaccurate information further damages the consumers credit profile. Not good! Not fair! Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Again, I have asked both XXXX and TD Bank USA/TargetCred to IMMEDIATELY REMOVE THE DEROGATORY INFORMATION ( XXXX hard inquiry ), because it is based off false and misleading information, and to send me written confirmation that they have complied with the law. Failure to do so will act as evidence of infringement upon my legal rights as a consumer. The games that large corporations play to hurt the rights of consumers further weakens the integrity of our consumer fair credit reporting system. Please do your part to enforce this deceptive loop hole in the system, and demand that these two entities, XXXX and TD Bank USA/TargetCred delete inaccurate information. Thank you for your prompt attention to this matter. Cordially, XXXX XXXX XXXX XXXX. Cc : XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: I, XXXX XXXX, on XX/XX/2020 had visited a TD bank branch at XXXX XXXX XXXX, XXXX, NY where an international wire transfer was performed by the store manager and Vice President XXXX XXXX with a gross negligence or willful misconduct in performing the wire transfer services resulting in misdirecting my funds in the amount of {$5000.00} to the wrong account. I provided a correct information to Ms. XXXX, all the details such as names, XXXX, beneficiary account, address, but because of her gross negligence the funds were transferred to the wrong account in the correspondence bank in XXXX, where I have no account. The XXXX, though, was indicated for the bank where the funds were supposed to be transferred to and with the address in a different country, which made a whole transaction an awful mess, which in its turn has caused a major inconvenience, a financial loss and emotional distress to me. Ms. XXXX who is a vice president (???? ) had refused to correct her error, but blamed me instead for not checking her computer.
Company Response:
State: NY
Zip: 12804
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have a line of credit from Td bank from XXXX XXXX. My credit limit was XXXX and I owe {$900.00}. I currently not working do to Covid 19. I have been making payments. Them i made a payment for {$400.00} which left a balance of {$400.00}. After that payment was received they cut my balance to {$400.00} and they started charging fees late fees and over the limit fees. I called customer service and I waited for 3 hours and still didn't get to talk to anyone. I told a manager would call me back. Its been three weeks and still haven't spoken to one. They are aggressively reporting this to my credit report.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
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: tried to call target cc service ordered a bag from XXXX never received i believe it may have been stolen crime is up by me due to pandemic. i reported it to police i was charged over 180 dollars from XXXX never got back reporting it to XXXX no response. please credit NEVER RECEIVED
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just received my credit report and I see an inquire dated XX/XX/2020 by your company. To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. If this matter is not fix immediately, then I will pursue legal actions. Please immediately delete this inquire from my credit reports. Please see the inquire detail information listed below : XX/XX/2020 TD AUTO FIN XXXX XXXX XXXX XXXX, MI XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A