Date Received: 2023-09-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: - XX/XX/XXXX received notice from a lender because of form IRS XXXX pursuit lending notified had outstanding balance of XXXX with IRS XXXX XX/XX/XXXX researched that evening and knew I had paid and found out on XX/XX/XXXX chase improperly withdrew funds and paid TD bank and endorsed to an individual called XXXX XX/XX/XXXX called that evening and spoke to XXXX told me need to fill out unauthorized endorsement and claim would not start until filled out and faxed from branch - XX/XX/XXXX filled out police report - XX/XX/XXXX Same day went to XXXX XXXX XXXX and emailed and faxed- confirm by team member - XX/XX/XXXX called claims did not receive- NO ANSWER same message XXXX days and XXXX days to conclude and see what the claim will be - XX/XX/XXXX claims by phone still did not receive and suggested email from branch to supervisor and upload the file via email - XXXX on phone lso told to fax document from IRS from penalty and fees, called IRS can not do anything it is not their fault and can only fill out a document after to waive the penalty - XX/XX/XXXX phone claims received document but said missing marked check told to check the appropriate box - XXXX Checked the right box and faxed with branch manager in in XXXX and told to fax again and I did check mark XXXX XXXX called again claims by phone said they saw paperwork but did not see check mark - XXXX went to branch and had XXXX verify received and check marked - XXXX spoke with XXXX XXXX XXXX and XXXX handling case - XXXX XXXX confirmed that claims did not receive proper documentation XXXX XXXX took another week until XXXX for XXXX to speak to branch manager XXXX - XX/XX/XXXX spoke to XXXX she confirmed on XX/XX/XXXX info was sent to TD bank but can not insure for the interest owed to the IRS said she would speak to managers and get back to me and that the case now may take 120 days to event resolve and not even guarantee funds will be retuned - XXXX filled with XXXX for XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Filed a complaint with attorney general # XXXX
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a credit card with Target issued by Target Card Services to TD Bank USA. On XX/XX/XXXX, I had a minimum payment due in the amount of {$160.00}. On XX/XX/XXXX ( really XX/XX/XXXX but I paid after the cutoff ) I made a payment of what I thought was {$170.00} ( but there was a typo and it was only {$75.00} ). I NEVER once received a call, mail or email from Target notifying me that I had a past due balance or any communication regarding my account being past due. On XX/XX/XXXX, I was down with XXXX and was late making my payment. I paid on XX/XX/XXXX. Target reported my account to the credit bureaus stating I was 30 days late. I have never been 30 days past due with Target since I had my account in XXXX. They didnt once notify me in an attempt to bring the past due balance to my attention to try to remedy this situation but you report a negative marking that last for seven years on my report is utterly ridiculous. I would like this removed from my credit report. This is absurd. I work hard to maintain a good credit rating and because of a typo and poor customer service I have been penalised. I have a job that requires my credit rating to be in good standing.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I used Target Red Cards online system to submit a large payment for 100 % of my balance due on XX/XX/XXXX ( > {$7000.00} ). The funds were pulled from my checking account on XX/XX/XXXX and reflected on my published statement. The statement indicated 100 % of my credit was available as a result. On or about XX/XX/XXXX I was declined when paying for a purchase. I checked on lien to see my available credit was {$0.00}. In contacting the company via phone and online message I was advised that they have the right to hold back credit until they confirm payment has been received. They failed to clarify what the legal or reasonable standard for this was. I checked daily and it was >14 days before my payment was fully reflected by TD Bank US in that my available credit was restored. The company has repeatedly failed to explain what allowed them to do this for over two weeks. In the XXXX banking world, authorized ACHs should be credited and visible within 48 hours and the ability to pull back the transaction is short. Their practice of not officially posting this to my account for two weeks and restoring my available credit is fraudulent and deceptive. I personally was not harmed as I had another card to use ( outside the mild embarrassment ). I would like to see them fined for such a pracitce.
Company Response:
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Re. Target Redcard/ XXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX due to being unemployed for several months and not receiving unemployment payments for the majority of that time, my credit card use increased and I was unable to pay the charges for several months. After finding employment, I contacted XXXX in XX/XX/XXXX to set up a debt management plan ( XXXX ) ; Creditor accepted the proposal on XX/XX/XXXX per XXXX. I also received a letter dated XX/XX/XXXX from Target/Creditor confirming the details of my " Consumer Credit Counseling Payment Plan '', detailing that I was " only required to pay your fixed monthly payment amount '' of " {$60.00} '', and " Your account may be charged off under the following scenarios : " If you fail to make payments as agreed and your account reaches 120 days delinquent '' and/or " If there is a balance on the account that remains after the agreed upon end date as a result of missed or incomplete payments. '' Under these stipulations, I believed that everything would be fine as long as I paid on time per the XXXX with XXXX, which I have since paid the first payment installment on XX/XX/XXXX ( I have also learned that it takes XXXX several days to disperse the payments. Hence, Creditor receiving the first payment on XX/XX/XXXX ). I was under the impression that everything was going well, until I attempted to log in to my Target Redcard account to get a statement for XXXX purposes and received a message to contact Target regarding the account. I spoke with Target Customer Service, who informed me that my account had been deleted because the debt had been charged off in XX/XX/XXXX, and they couldn't provide any statements after then as my account was deleted. I wasn't aware of the charge off and inquired as to why it was charged off when Creditor had received payment on time per the XXXX and if they still held the debt, and if so, how were they receiving money but not able to provide statements. Customer Service said they weren't aware of the XXXX and reiterated that my account had been deleted but Target still owned the debt. I called XXXX the next day to inquire about the charge off, of which XXXX Customer Service didn't have any knowledge. Several days later, I followed up with XXXX, as someone was supposed to look into it, and the XXXX Representative called Creditor and confirmed that the account had been charged off, though the exact details were unclear, and the XXXX Representative didn't understand how the Creditor was accepting payments but unable to provide me statements. I called Target Customer Service again for further clarification and was told again that my account was deleted so they couldn't provide statements but could tell me my balance verbally over the phone. When I inquired again about the charge off and read the letter that Target sent me stated above, Customer Service again repeated that the account was charged off, saying that the letter terms were " theirs [ meaning XXXX 's ] '', even though I had stated this was a letter from Target, not XXXX. As such, I believe that this is an unethical charge off at best as I believe I met the conditions of the letter they sent to me regarding the XXXX, but they charged off my account after accepting XXXX 's XXXX and receiving timely payments - of which I never missed one payment or paid late, even taking consideration that the previous payment date for Creditor ( before joining the XXXX ) was the XXXX of each month ( and the first payment on the XXXX was received before the XXXX [ of XXXX ] )- which has had a devastating effect to my credit. I attempted to resolve this matter with the Creditor or at least get some understanding on the difference of understanding regarding the terms Creditor accepted per XXXX 's XXXX and stated in the letter Creditor sent to me. However, Creditor just affirms that they charged off my account ( I saw on my credit report account was reported as 120 days delinquent in XXXX ) and hasn't yet clarified on what the terms meant that they stated in their XX/XX/XXXX letter sent to me as they now seem vague and confusing to me ( i.e., why did Creditor charge off my debt and delete my account if I met the conditions of repayment per the XXXX Creditor accepted ). *I will gladly provide the aforementioned letter if needed. However, as I'm unable to redact my personal information, I'm not sure if I should upload it as an attachment to this complaint.
Company Response:
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Card was set to auto pay, which stopped without notice, accruing several months of late fees. During this period, monthly emails that had been sent reminding me of payment also stopped. Issue was only discovered after a drastic drop in credit score.
Company Response:
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ORIGINAL CONTRACT WAS SIGNED BY CONSUMER AND TERMS WERE SAID TO BEMONTHLY PAYMENT OF {$680.00} FOR 75 MONTHS. CONTRACT WAS SIGNED XXXX, FIRST PAYMENT IN THE AMOUNT OF {$680.00} WAS DUE BY XXXX.SOMEWHERE IN BETWEEN THE SIGNING OF CONTRACT AND TRANSFER OF CONTRACTTO TD BANK TERMS OF CONTRACT WERE ALTERED AND MONTHLY PAYMENT AMOUNTWAS CHANGED TO {$680.00} AT 76 MONTHS. CONSUMER DID NOT AUTHORIZE NORCONSENT TO THIS CHANGE IN CONTRACT TERMS. THE ACCOUNT HISTORY STATEMENTTHAT TD AUTO FIANNCE HOLDS ON FILE SHOWS CONSUMER BEING CHARGEDMONTHLY PAYMENT OF {$680.00}. CONSUMER ALSO HAS COPIES OF MONTHLY BILLINGSTATEMENT THAT SHOWS TD AUTO FINANCE WAS CHARGING {$680.00}, WHICH IS AN AMOUNT AND TERM NOT AGREED BY OR DISCLOSED TO CONSUMER. TD AUTOFINANCE KNOWINGLY CHARGED THE INCORRECT AMOUNT AFTER RECEIVINGORIGINAL CONTRACT. NOT ONLY IS THIS A BILLING ERROR BUT TD AUTO FINANCE HASBEEN REPORTING THE WRONG CONTRACT TERMS, PAYMENT AMOUNT AND ACCOUNTBALANCE TO THE CREDIT BUREAUS. ALL OF THIS CONSTITUES AS FRAUD. ACCORDINGTO THE TRUTH IN LENDING ACT, CONSUMER IS ACTUALLY ENTITLED TOCOMPENSATION IF SHE HAS TO FILE FOR ARBITRATION. NOT ONLY WERE THECONTRACT TERMS CHANGED, BUT THAT CAUSED A LIST OF OTHER VIOLATIONSINCLUDING FAILING TO DICLOSE THE TRUE APR AND OTHER PERTINENT ACCOUNTINFORMATION. CONSUMER CAN SUE FOR TWICE THE AMOUNT OF CONTRACT FOR THEFRAUD AND NEGLIGENCE. CONSUMER IS CANCELLING CONTRACT AND RESCINDINGSECURITY INTEREST AS ACCORDING TO THE CONTRACT THE DEBTOR ( XXXX XXXX ) CAN UPHOLD THEIR RIGHTS : ANY HOLDER OF THIS CONSUMERCREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTORCOULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANTHERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTORSHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. PLEASE REVIEW THECONTRACT, THE FRAUD ON THE ACCOUNT, AND 16 CFR Part 433 - PART 433PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES : 16 CFR 433.1 - Definitions.CFR Table of Popular Names prev | next 433.1 Definitions. ( a ) Person. An individual, corporation, or any other business organization. ( b ) Consumer. A natural person who seeksor acquires goods or services for personal, family, or household use. ( c ) Creditor. A personwho, in the ordinary course of business, lends purchase money or finances the sale of goodsor services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer. ( d ) Purchase money loan. A cash advance which is received by a consumer in return for aFinance Charge within the meaning of the Truth in Lending Act and Regulation Z, which isapplied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( e ) Financing a sale. Extending credit to a consumer inconnection with a Credit Sale within the meaning of the Truth in Lending Act andRegulation Z. ( f ) Contract. Any oral or written agreement, formal or informal, between acreditor and a seller, which contemplates or provides for cooperative or concerted activity inconnection with the sale of goods or services to consumers or the financing thereof. ( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods orservices to consumers or the financing thereof. ( h ) Credit card issuer. A person who extendsto cardholders the right to use a credit card in connection with purchases of goods orservices. ( i ) Consumer credit contract. Any instrument which evidences or embodies a debtarising from a Purchase Money Loan transaction or a financed sale as defined inparagraphs ( d ) and ( e ) of this section. ( j ) Seller. A person who, in the ordinary course ofbusiness, sells or leases goods or services to consumers. [ 40 FR 53506, Nov. 18, 1975 ] 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair ordeceptive act or practice within the meaning of section 5 of that Act for a seller, directly orindirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain thefollowing provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THISCONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THEDEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINEDPURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THEDEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchasemoney loan ( as purchase money loan is defined herein ), unless any consumer creditcontract made in connection with such purchase money loan contains the followingprovision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMERCREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTORCOULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THEPROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEEDAMOUNTS PAID BY THE DEBTOR HEREUNDER. 433.3 Exemption of sellers taking orreceiving open end consumer credit contracts before November 1, 1977 from requirementsof 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contractbefore November 1, 1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide.The term does not include negotiated advances under an open-end real estate mortgage ora letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. [ 42 FR 19490, Apr. 14, 1977, as amended at 42 FR 46510, Sept. 16,1977 ]
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
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: Per their website, I called TD Auto finance to get a lien release letter or some sort of documentation that I paid off my loan. Im trying the get a title since i never received the original title in the mail. Each time I call, Im told that they can send me the form by mail ( within 5-7 days ) or fax ( within an hour ). I chose mail the first 3 times, waited over a week but never received the document. I have also asked to have it faxed and never received the fax. Ive had to tell them my new address on at least 2 occasions which means it wasnt changed in the system as I had been lead to believe.
Company Response:
State: NC
Zip: 27606
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: To Whom It May Concern, Ive just received a notification from XXXX XXXX about a hard inquiry on my credit report, specifically to TD BANK USA/TARGET on XX/XX/2023. As of now, theres no additional information on this creditor nor any activity on it but I need to report it. Please advise at your earliest convenience. Thank you, XXXX
Company Response:
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
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: I made a purchase on XXXX For XXXX on XX/XX/2022 and I never received the shipment. Every time I would call they would say that they are looking into it and I should receive something in the mail. Till this day I havent received any update and I have called them about 3 dozen times and every single time its a different story. That my claim got denied because it says delivered. Other times the rep says Ill be receiving credit on my account in 48-72 hours and I get nothing. I have emailed them and called and nothing seems to work with them. Help me Account # XXXX
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A