Date Received: 2023-09-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: The late payment occurred in XXXX of XXXX during the nationally declared Covid-19 Emergency. I called in Target in XXXX and was initially told this would not be reported for 90 days and I would have additional time to make the payment. However, I recently found out that this was reported as a late payment/ deliquency on my credit report, even though I became current on the account very shortly thereafter in XX/XX/XXXX. I have also remained current on the account ever since. Furthermore, prior to XX/XX/XXXX, the account was current at all points in time. I have been a store card member with Target since XXXX of XXXX. I think it is egregiously unfair for Target to have reported this one late payment, resulting a drop in my credit score of XXXX XXXX This action by Target has caused significant financial harm to me -- adveresly affecting my ability to qualify for student loan refinance and also to qualify for leasing an apartment. Also, it is unfair for Target representatives to say now in XXXX XXXX XXXX that calling them via phone in XXXX to report my loss of employment and hardship was not sufficient for me to qualify for relief at the time. Other than calling them, I did not have the ability to reach them in writing at the time. I have a medical condition and it was too much of a hardship given the risk posed by Covid-19 to get out of my house and send a request in writing to them. They should have been able to honor my verbal request over the phone and allow the extra time for me to make the missing payment as they told me over the phone in XXXX. Again, I did ultimately make the payment in XXXX XXXX XXXX and brought my account current, a status in which it has remained ever since, so it is egregiously unfair for them to have reported it as a late payment / deliquency on my credit report.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Unlawful sharing of my private information without my consent, with any and all third parties, including but not limited to credit bureaus
Company Response:
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I need my funds to be available tomorrow not XX/XX/2023. The bank put a six days hold on my account for depositing my place of employment check. It was deposited on Saturday XX/XX/2023. I never had to wait six days for a check to be cashed. I have a negative balance in my account that needs to be satisfied and I have bills and children to feed. I need my money ASAP, like today I need my money.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states, i have the right to privacy. 15 USC 1681 Section 604A, section 2 it also sates a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late, for any purpose.
Company Response:
State: WA
Zip: 99301
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 6 Hard Inquiries that I did not apply for : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Target XXXX XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit has decreased due to my information getting stolen, cards, social security, bank information. My bank account was closed and im not able to open another bank account. I need to open a bank account so I can pay my bills. I tried opening a bank account with many banks and all deny me. Please help me
Company Response:
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In my prior complaint number XXXX was compounded by fraudulently calls from a collection department where TD BANK FRAUD REP RECOMMENDED I see the bank manager XXXX and bring in my XXXX acct info to show that account wasnt fraudulent activity on my part. XXXX was in training net with her jr manager and complaint of fraud XXXX XXXX XXXX XXXX back and BRANCH KEY CARDS REVERSING FRAUDS CREDIT and then BACKDATING their general ledger to read as ALL PRIVISIONAL CREDITS HAD NE IN A NEGATIVE FIGURE SO THEY COULD HIT ME WITH OVER {$800.00} in overdraft fees when account was closed when account was at {$2.00} in the positive
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Last Tuesday, XX/XX/XXXX, I attempted to buy gas with my debit card and was told it didn't work knowing full well that I had plenty of money in the account. I came home, tried logging into my online banking and was logged out. I called and spoke to a Fraud specialist at TD Bank and they told me that at XXXX that afternoon, some one pretending to be me went into a TD branch in XXXX and they closed out my card and had a new one created for themselves while impersonating me. They also attempted to use the new, fraudulent bank card at a XXXX XXXX XXXX branch nearby but they were unable to take any money out The following day, the XXXX I went into my local TD branch and I was able to close my old bank account and transfer the funds into a new account. I met with a XXXX police officer and filed a police report. This week, yesterday the XXXX, I came home from work around XXXX to find 8 large furniture boxes from XXXX in my driveway. I did not order this so I called the XXXX police and went to a drs appointment. When I returned the boxes were gone. A cop had driven by my house around XXXX and they were gone. After my appointment I met with a police man to file another police report for the new situation. I called XXXX and talked to their fraud department. They told me that the order was placed XX/XX/XXXX for about {$4000.00} worth of merchandise from XXXX. They have already had 2 bed frames with headboards delivered and stolen from my house XX/XX/XXXX. There are still items coming so XXXX tried to redirect the items to a XXXX center. They also alerted me that these people created a new gmail account using my full name. They also opened a XXXX XXXX XXXX account although I can not see this on any credit report. I also froze all of my credit last week when this happened.
Company Response:
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Target credit cards company called me 11 times in a two minute span of time.
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: They have called me thirteen times in a matter of four days in order to collect a debt that they show in their system as paid off. I paid the card yesterday and am still receiving calls about it. As I understand they're only allowed to call seven times in seven days, they keep calling and refuse to leave messages.
Company Response:
State: AL
Zip: 35235
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A