Date Received: 2020-09-01
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: To Whom It May Concern, This letter is a letter of complaint against XXXX and my credit card company, VISA. I have contested the following charges against appearing on my credit card. I did not authorize nor do I recognize the charges. These charges are being billed to me wrongfully. {$51.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$39.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$100.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$99.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$49.00} XXXX XX/XX/2020 I initially put in a call to TD Bank VISA card services. They informed me to contact XXXX to help resolve. I did so on XX/XX/2020 and was given a case # XXXX XXXX XXXX XXXX by XXXX. They claimed that they were unable to assist and directed me to the game app developers. The game app developers in turn directed me back to XXXX saying that XXXX had to be the one to assist. On XX/XX/2020, the case was reopened by XXXX. A new case # was assigned, # XXXX XXXX XXXX XXXX. Again, they returned with an answer that they were unable to do anything. I then, on XX/XX/2020, opened a dispute with TD Bank VISA card services, VISA. Case # XXXX XXXX XXXX XXXX was assigned. I was informed on XX/XX/2020 by VISA, TD Card Services, that information was requested by the merchant to substantiate these charges/ They informed me that the documents provided by the merchant supports the merchants position that the services were rendered. They did not provide me with any of that information. Again, I deny these charges and wish to be shown proof of these which they have failed to do so. I was directed to your offices to help as I am at my wits end. Please help. I have copies of all dated documents for your reference.
Company Response:
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Sent secure message to TD bank on XX/XX/2020 relating to account opening bonus. Received a response 2 months later on XX/XX/2020 that was system generated. Message stated that due to high volume of requests, the bank can't respond. Promptly called customer service on XX/XX/2020 and was unable to reach a representative ; call was dropped. I called back later on the same day and was hung up on. Attempted to call multiple times over the next month to no avail. Sent another secure message on XX/XX/2020 requesting to close the account due to lack of response regarding any inquiries. The account contained a positive balance at the time. A response was given on XX/XX/2020 by representative named " XXXX '' stating that there is a negative balance because a maintenance fee was charged on XX/XX/2020 due to lack of response. Any attempts to call the bank didn't receive a response. The same opening bonus offer is available via link : https : //www.td.com/us/en/personal-banking/checking-accounts/featured/? cm_sp=b000-00-5177-TNT # : ~ : text= % 24300 % 20bonus % 20offer % 20available % 20to,60 % 20days % 20of % 20account % 20opening. All requirements have been followed according to disclosures. Proof will be provided via account statements.
Company Response:
State: NY
Zip: 11228
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
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: On XX/XX/2020 I received a welcome letter from XXXX XXXX. That letter mentioned a new credit account opened in my name. However, I have not made any purchases of XXXX equipment nor applied for any financing with XXXX XXXX or any other financial institution in years. I attempted to call ( XXXX ) XXXX phone number, included in the letter, but could not get through. After automated greeting, my calls went to hold, where they remained for over two hours. I have made a few attempts, patiently waiting 2 2 hours on hold each time. On XX/XX/XXXX, I filed a police report for an identity theft case and opened a case on FTCs IdentityTheft.gov site. I have sent a US Certified Mail package to the XXXX XXXX Customer Service address, provided in the welcome package : TD Bank N.A. XXXX XXXX XXXX XXXX, NJ, XXXX XXXX Due to the problems with USPS Tracking system during the month of XXXX, I have sent another copy of the package to XXXX XXXX/TD Bank, once again asking them to close the fraudulent account and send me a written confirmation that I am not responsible for charges on this account. I have enclosed all documents available to me at the time to help XXXX XXXXTD Bank to investigate this case. First package was delivered to XXXX XXXX/TD Bank on XX/XX/2020, second copy was delivered on XX/XX/2020. I hoped that thanks to my prompt actions, XXXX XXXX/TD Bank could trace the shipping address of the online purchase that was financed in my name, and turn thieves into police custody. A week or so later I received a statement, showing an online purchase and financing of 3 ( three ) XXXX cell phones for the total amount {$4000.00}. It has been about 4 weeks, since XXXX XXXX/TD Bank received my letter and all supporting documents. For some reason I have not received any response from XXXX XXXX/TD Bank. Reaching their customer service over the phone is not possible. I spent hours and hours on hold trying to reach a representative, with no success. Today I received another statement, showing the original {$4000.00} balance and {$110.00} late fees, so apparently XXXX XXXX/TD Bank is not looking into this case.
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
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: This account is being reported inaccurately and incorrectly on my credit report. I see multiple late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: TD Bank ( backs the Target Red card ), appears to be taking advantage of consumers during this pandemic. Without notice, they lowered my account limit, never late, from {$2500.00} to {$1300.00} this month. Here is the communication to them : " It appears, without notice, my credit line was reduced, never been late. This changed my credit utilization from 46 % to 89 %, negatively impacting my credit score. I will be filing a complaint with CFPB, there is a better way to treat customers, if you said " We want to reduce your credit limit in 90 days, to {$1300.00}, I would have paid it down to avoid a high credit utilization percentage ''. This is NOT the time to be ruining people credit rating. ''
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
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: How are you? 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: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is a old debt. Some how the dates were changed not accurate. It says Estimated month and year that this item will be removed : XX/XX/XXXX. It also says TD BANK USA/TARGET CREDI # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX number not available Date Opened:XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XX/XX/XXXXLast Payment XXXX Pay Status : >Charged Off
Company Response:
State: CA
Zip: 93711
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have an open account with TD Auto Finance and make a monthly minimum payment of around {$360.00}. Lately all my payments have been on time however there was a time where i made frequent late payments due to financial hardships caused by medical health issues. Im just now starting to get over these medical issues and am looking forward to rebuilding my life and credit report with on time payments, responsibility, and good will.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I opened a card at Target and was approved for a {$300.00} credit line from the Target credit card. When I received my card when I went to acitivate my card the number for activation took me to a recorded message that sold XXXX products. I immediately though that I must have dialed the wrong number. I dialed it again and only to get the same results. It had no other options for getting to a customer service provider or to activate my card. I decided to activate my card at the Target store where I was shopping.I was informed that I would need to activate my card online. When that was done. It worked and it said that my card was activated. When I went to use my credit the teller informed me that I needed to reapply. I believe that she switched my card without my knowledge to a debit based target card which I was unaware of. As I made my payments on- time and correctly according to the terms of agreements. The target customer service members would constantly tell me I owed more money and that my payments were behind. I reached out several times to Target customer service people, managers. Somehow I was informed that XXXX XXXX was involved in my credit payment history and managing my account. They began to be managing two additional credit cards that I obtained during similar times. I was sure that the information in the brochure when I got my card said another company was the financial underwriter. XXXX XXXX began taking the payments that I would send for payment and still telling me that I was behind in the payments even though on some occasions I paid multiple times. Who is XXXX XXXX and how were they capable of intercepting my accounts so easily. The payments that were made to pay off my small balance were taken and used for large fees that they began telling me that I owed. Please inform whomever is necessary of this scam. I have paid my account in a timely manner and it was intercepted through the customer services representatives and the telephone customer service representatives that your Target stores employ. How else can I keep a good account if your customer service workers, cashiers and telephone customer services employees are unscrupulous!
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A