Date Received: 2023-09-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: 1 ) I have a TD Bank Charge card ending in # XXXX. I always pay my account in full each month. I received my XXXX statement for {$470.00}. A check was mailed for payment on XX/XX/23. It was due by XX/XX/23 XXXX XXXX XXXX. I always mail out bills XXXX of month as I receive my XXXX checks on the last day of the month. Check was not cashed until Monday XX/XX/23. I received a late fee {$29.00} and interest fee {$6.00}, and this started a chain reaction of problems. See attached XXXX statement showing same. 2 ) I contacted TD Bank on XX/XX/23 and spoke with XXXX. A charming young lady who assured me not to worry. Fees would all be taken off bill, I was an excellent customer! She said it might take two payment cycles not to worry. My credit score then was over XXXX!! 3 ) The late fee only of {$29.00} was removed in XXXX statement. See attached statement. But now bill had somehow gone up to {$43.00}. I called and spoke with XXXX on XX/XX/23 another very nice customer representative. She stated that she had figured out the XXXX XXXX, not to worry again this would all be corrected!! 4 ) See XXXX statement! Bill was now {$83.00}. I also received a letter dated XXXX from TD Bank stating my {$16000.00} line of credit had been lowered to {$500.00} and my credit score was now XXXX!! See attached. I immediately called TD Bank on XX/XX/23 when I received this XXXX statement and by chance got XXXX. She remembered me, could not believe how screwed up this was and put me thru to XXXX in customer service. XXXX also stated she was surprised at how screwed up this had gotten, and she would talk to her supervisor and get this corrected. I was put on hold for XXXX minutes. XXXX got back on the phone and said supervisor insisted I pay at least 1 of the late fees to correct the problem. I refused and asked to speak with the supervisor. After a long hold on the phone again I was disconnected. I called back and asked to again speak to a supervisor and was told phones were not working properly at this time and to call back another day! 5 ) My XXXX statement is now {$120.00}. I tried to speak with a supervisor and have called this is RIDICULOUS!! 6 ) SOLUTION!! I always liked TD Bank. Never had a problem till now. Please have them REMOVE all Fees and late Charges. Contact credit agency and restore my good credit. My credit score right now is XXXX!!! Also reinstate my {$16000.00} line of credit and issue me a new charge card!! Thank You! XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Didn't provide services promised
Subissue:
Consumer Complaint: I was required to pay off my TD Auto loan in order to purchase a building for my business. I complied and paid it off. TD Auto refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that TD Auto completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the TD Auto for them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for TD Auto was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/XXXX or I will be seeking financial restitution. I have verification when TD Auto cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The creditor as fiduciary reached good faith and fair dealings with agreements crafted by a corporation 's unlawful practice of law with the intent of unlawfully converting the subrogee 's chose-in-action and wilfully and knowingly deprived equitable interest, rights and ownership of the chose-in-acton when requested. The creditor/subrogor and collection agent turned a blind eye to the previous notices of subrogation and equitable interest with the most recent being XXXX. In the process Adverse action was taken by the creditor for attempting to assert my rights, the account was closed when rights to interest and redemption were communicated. One who seeks equity must do equity. Equity will not suffer a wrong without a remedy. Equity follows the law. Principal and Agent are vicariously liable for the other. In this era when credit has become one of the instrumentalities of business to which men pay homage, intangible property rights must be considered when conversion is discussed. Stocks, bonds, evidences of debt, debentures, insurance policies, contracts and other choses-in-action play a prominent role in present-day credit economy. Conversion has been defined as a " wrongful interference over personal property, inconsistent with or in denial of the dominion of the person entitled to possession thereof. It is " any dealing with the property of another which excludes the owner 's dominion. '' The gist of conversion is the unauthorized assumption of the powers of the true owner. '' A " chose in action '' is a personal right not reduced to possession. For example, shares of stock, and debts represented by negotiable instruments and savings bankbooks are all choses in action. They are personal property rights, not reducible to immediate tangible possession, not capable of physical delivery ; but recoverable only in an action at equity or law. Trover action will lie for the wrongful conversion of ... bonds, or other securities for the payment of money. This is true with regard to both negotiable and non-negotiable bonds. Even where bonds have been stolen, and a forged indorsement used to obtain new bonds from the corporation, the owner was allowed to recover the bonds from an innocent third party into whose hands the bonds had come. A bond being evidenced by a tangible writing, the courts have no trouble in finding the necessary dominion to allow an action for conversion. '' The underlying debt is immediately converted on the wrongful taking of a negotiable bond, and may be generally assumed to be converted in the case of a non-negotiable bond. Trover is a legal action that a property owner can take to recover the value of personal property that was wrongfully taken. The plaintiff must show that they had title or possession of the property at the time the action was filed. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. Trover is different from other remedies for wrongful taking because the plaintiff only recovers the value of the property, not the property itself. The plaintiff can sue the person who first converted the goods, or anyone else to whom the goods were delivered. Today, the tort of conversion has subsumed both trover and detinue, and a plaintiff can request legal relief ( money damages ) or equitable relief ( return of property ). XXXXee, e.g. Burgess v. Small, 117 A.2d 344 ( Me. 1955 ) It has been well settled beyond controversy under the power to borrow money on the credit of the United States, and to issue circulating notes for the money borrowed; when XXXX borrowed We The Peoples private credit, it created a sovereign redemption and subrogation right in We The People and a breach of trust by the subrogors and mortgagees when they clog the We The Peoples right to redeem their collateral borrowed and the securities created on account by indorsement and interfere in commerce. It is against equity for freemen not to have the free disposal of their own property and financial assets. NOTICE. I am aware, pursuant to Title 15 U.S.C. 78c, Section 10 the term security means any note, stock, treasury stock, security future, security-based swap, bond, debenture, certificate of interest or participation in any profit-sharing agreement or in any oil, gas, or other mineral royalty or lease, any collateral-trust certificate, preorganization certificate or subscription, transferable share, investment contract, voting-trust certificate, certificate of deposit for a security, any put, call, straddle, option, or privilege on any security, certificate of deposit, or group or index of securities ( including any interest therein or based on the value thereof ), or any put, call, straddle, option, or privilege entered into on a national securities exchange relating to foreign currency, or in general, any instrument commonly known as a security ; or any certificate of interest or participation in, temporary or interim certificate for, receipt for, or warrant or right to subscribe to or purchase, any of the foregoing ; but shall not include currency or any note, draft, bill of exchange, or bankers acceptance which has a maturity at the time of issuance of not exceeding nine months, exclusive of days of grace, or any renewal thereof the maturity of which is likewise limited. The promise to pay or promissory note with a maturity longer than nine ( 9 ) months created in this transaction is a security ; NOTICE. DEBT INSTRUMENT. In general Except as provided in subparagraph ( B ), the term debt instrument means a bond, debenture, note, or certificate or other evidence of indebtedness. Title 26 USC 1275 ( a ) ( 1 ) NOTICE. BOND. The term bond includes any obligation. Title 26 USC 150 ( a ) ( 1 ) ; NOTICE. BENEFIT. This word is used in the same sense as gain ( q. v. ) and profits. ( q. v. ) 20 Toull. N. 199 ; NOTICE. BENEFICIARY. This term is frequently used as synonymous with the technical phrase cestui que trust. ( q. v. ) ; NOTICE. BENEFICIAL INTEREST. That right which a person has in a contract made with another, as if A makes a contract with B that he will pay C a certain sum of money, B has the legal interest in the contract, and C the beneficial interest. Hamm. on Part 6, 7, 25 2 Bulust. 70 ; NOTICE. I am aware, pursuant to 17 CFR 240. 13d-3. ( b ) Any person who, directly or indirectly, creates or uses a trust, proxy, power of attorney, pooling arrangement or any other contract, arrangement, or device with the purpose of effect of divesting such person of beneficial ownership of a security or preventing the vesting of such beneficial ownership as part of a plan or scheme to evade the reporting requirements of section 13 ( d ) or ( g ) of the Act shall be deemed for purposes of such sections to be the beneficial owner of such security ; essentially the right to subrogation to the securities has been deprived ; NOTICE. I am aware, pursuant to 17 CFR 240.8c-1 Hypothecation of customers ' securities ( a ) General provisions. No member of a national securities exchange, and no broker or dealer who transacts a business in securities through the medium of any such member shall, directly or indirectly, hypothecate or arrange for or permit the continued hypothecation of any securities carried for the account of any customer under certain circumstances ; NOTICE. I am aware, pursuant to Title 18 U.S. Code 1348 Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both ; NOTICE. 18 U.S. Code 1956 - Laundering of monetary instruments ; NOTICE. Use of the Beneficiarys Private Credit for the extension of credit or choses-in-action by indorsement, creating securities as an accommodating party establishes an implied TRUST IN INVITUM raised by operation of law without the consent of the trustee. Such a Trust Arises where Goods have been stolen or Converted to the Use of the TAKER and sold, with respect to the PROCEEDS, whether such proceeds are in the form of money or other property purchased therewith, and equity will in such cases enforce a Trust In Invitum in the original taker or in his assignee with NOTICE. Likewise, where a TRUSTEE or OTHER FIDUCIARY has Misapplied Trust Funds a like Trust will be RAISED. Where a trust fund has been perverted, the cestui que trust can follow it at law as far as it can be traced. - United States v. State Bank, 96 U.S. 30 ( 1877 ) NOTICE. When it comes to accounts Article 9 of the Uniform Commercial Code has always applied to the sale of accounts. Revised Article 9 continues this rule in North Carolina 25-9-109 ( a ) ( 3 ). Former Article 9 defined accounts to include payment obligations arising out of only the sale of goods or the provision of services. Under the former law, this left many kinds of payment rights within the definition of general intangible. The sale of these types of payment rights often serves as a financing transaction, but former Article 9 did not apply to these transactions. Revised Article 9 broadens the definition of accounts to include : Payment obligations arising out of the sale, lease or license of all kinds of tangible and intangible personal property ( for example, account will include license fees payable for the use of software ), and Credit card receivables. The sale of a payment intangible often functions as a financing transaction. Revised Article 9 brings certainty to these transactions by bringing the sale of a payment intangible into the scope of Article 9. However, to permit financial institutions that sell loan participations to avoid Truth is expressed in the form of an Affidavit. having a UCC-1 financing statement filed against them as debtors, Article 9 provides for the automatic perfection of a security interest created upon the sale of a payment intangible ( but not a security interest in a payment intangible given to secure an obligation ). G.S. 25-9-309 ( 3 ). NOTICE. EQUITY CONCERNS ITSELF WITH SUBSTANCE AND NOT FORM. Equitable Subrogation is forward-looking rooted in the equity maxim... equity regards done what ought to be done. Equitable subrogation is not founded upon contract, but is the creation of equity, and is enforced solely for accomplishing the end of substantial justice. It is the mode by which equity adopts to compel the ultimate payment of a debt by one who, in justice and good conscience, ought to pay. Equity delights in equality. Equity knows no time. Equity aids the vigilant, not those who slumber on their rights. Truth is expressed in the form of an Affidavit. See XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX ; XXXX XXXX. An un-rebutted affidavit stands as truth in commerce, equity, admiralty, XXXX XXXX and public policy. XXXX XXXX XXXX. XXXX ; XXXX. XXXX. Legal maxim : He who does not deny, admits. An un-rebutted affidavit is acted upon as the judgement in commerce, equity, admiralty, XXXX XXXX and public policy. XXXX XXXX. XXXX. Any proceeding in court, tribunal, or arbitration forum consists of a contest, or duel, of commercial affidavits wherein the points remaining unrebutted in the end stand as the truth and the matters to which the judgment of the law is applied. A matter must be expressed to be resolved. XXXX XXXX. XXXX ; XXXX. XXXX ; XXXX. XXXX. Legal maxim : He who fails to assert his rights has none. Ultimately the Subrogors actions amount to holding the implied surety in peonage, debt slavery, debt bondage, and involuntary servitude, a severe form of human trafficking in persons. I declare under a penalty of perjury the statement is accurate and true to the best of my personal knowledge. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Send debt validation letter on XX/XX/2023 via certified mail # XXXX to Target Card Services, XXXX XXXX XXXX XXXX, XXXX XXXX, MN, XXXX after company filed credit judgement with XXXX XXXX XXXX Ohio XXXX XXXX No response received from Target or Target 's attorney XXXX XXXX XXXX.
Company Response:
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband deposited two of my commission checks at the counter at TD Bank in XXXX ( XXXX XXXX XXXX XXXX ) yesterday ( XX/XX/XXXX ). I have deposited checks from my employer many times since XXXX of XXXX and most of them have been a large amount as they are commission checks from real estate closings. I also have deposited checks into my account that has been overdrawn. Never have I had to wait more than 2-3 business days for the checks to be available in my account. We are a small family that has been barely keeping our heads above water since covid. I was finally starting to feel like we were catching up and the bank throws this at us! They stated that I WILL be charged the daily overdraft fee. I feel like the bank is cheating just to get their daily {$35.00} out of us. I have had to stop payments that are scheduled for tomorrow and early next week. The weird things : -They told my husband to sign the checks even though his name is not on them. ( His name is on the account so their shouldn't be an issue with him depositing it! ) -When I called the bank this morning ( not sure which branch, I was on the way to work and told XXXX XXXX call TD bank ) I was told by one person that the reasoning for the 6 day hold is because the account is currently over drafted. -I was then told by the branch that deposited the check ( I called after arriving to work and was able to call the correct branch ) that it is being held because of their new policy with large check deposits, though they could not tell me what amount constitutes as a " large deposit ''. -When I was forwarded to " a manager or customer service '' I was left on hold for 8 minutes and then the call disconnected. -I have called back multiple times today to at least get a copy of the " new policy '' and the phone just rings and rings and then comes up with a prompt saying " Store XXXX is unavailable to answer at this time '' then it continues to ring. This is the same phone number I used to call the second time and spoke with someone right away, are they ignoring my phone number? -I can not find in my emails, mail, or online this new policy they mentioned.
Company Response:
State: CT
Zip: 06489
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I initiated a checking account with TD Bank on XX/XX/2023, taking advantage of the promotional offer listed on their website, which stated the following : Open a TD Beyond Checking account. Complete {$2500.00} in eligible direct deposits within the first 60 days of account opening. Receive a {$300.00} bonus, which would be credited no later than 180 days after the account has been opened. I fulfilled the requirement of making {$2500.00} in qualifying direct deposits within the stipulated 60-day period. The bank confirmed that I should expect a {$300.00} bonus by XX/XX/2023. However, as of today, XX/XX/2023, I have yet to receive the promised bonus. It has now been over two months since the deadline, and the bank has continuously delayed resolving the issue, redirecting it among various departments. I expect the bank to honor their promotional offer and promptly issue the bonus that I am entitled to.
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: TD Auto Finance ( Finance Company ) has received an extra payment of {$6700.00} on XX/XX/XXXX, The company has not applied the payment towards my loan or Loan principal and hence, I have requested to refund the funds. The First complaint for refund was submitted on XX/XX/XXXX requesting a refund and the company spent 45 days without a response nor sent me a return check. The second complaint was filed on XX/XX/XXXX, The company have informed me that they are ready to forward me a check in 5 business days and I have kept following on the refund status every day until XX/XX/XXXX. On every occasion and call I have informed my financial hardship situation and pleaded to consider this issue as a priority and help me ( The customer who never failed or delayed a single payment. ) Me being a XXXX and XXXX XXXXXXXX was taken as an advantage, and been neglected & abused periodically for financial robbery and mental abuse with unnecessary and weird questions. Starting XX/XX/XXXX I was abused with weird security questions which were not questioned as a security question since the start of the loan and I am being put on long holds for over 30 minutes cycles for each and every call, and finally the call gets disconnected automatically after the wait.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As per the Fair Credit Reporting Act, 15 USC 1681 602 ( a ), there exists an imperative need to ensure that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy. Both XXXX, XXXX, and XXXX are recognized as consumer reporting agencies, and I am the Consumer in question. It is essential to note that I possess the right to safeguard my private information, a right firmly supported by 15 USC 6801. This statute unequivocally states that it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. TD AUTO, in its capacity as a financial institution, is bound by this statutory obligation. Furthermore, 15 USC 1681 604 ( a ) ( 2 ) specifically stipulates that " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' It is of utmost importance to underline that neither TD AUTO nor the consumer reporting agencies, XXXX, XXXX, and XXXX, have obtained my consent to furnish this information. Furthermore, they do not possess my written consent. I hereby formally revoke any and all consent, regardless of whether it is verbal, non-verbal, written, implied, or conveyed by any other means, to XXXX, XXXX XXXX, XXXX, and TD AUTO. Additionally, it is vital to bring to your attention that XXXX XXXX XXXX ( b ) ( c ) expressly mandates that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' TD AUTO never informed me of my right to exercise my nondisclosure option. In accordance with 15 USC 1681c ( a ) ( 5 ), it is explicitly stated that " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' It is pertinent to emphasize that the account in question contains adverse items being reported without my consent, which is in direct violation of the law. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) explicitly dictates that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Additionally, 15 U.S. Code 1681e mandates that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' It has come to my attention that XXXX, XXXX, and XXXX are not maintaining reasonable procedures in this regard. Lastly, I draw your attention to 12 CFR 1016.7, which unambiguously states that " A consumer may exercise the right to opt out at any time. '' Therefore, I am unequivocally exercising my right to opt out of your reporting services, effective immediately.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX I changed my autopay bank account number online with Target Credit Card. My autopay is set to pay the balance in full each month ; and the due date is on the XXXX of each month for the previous months balance. My XXXX statement had a balance due of {$11.00}. After submitting my new bank account number, I received a confirmation on my online account stated the following : This message was generated to notify you that the event Add/Update Payment Account occurred on your account XX/XX/XXXX I received an email informing me that my XXXX balance for {$11.00} was returned unpaid XX/XX/XXXX I telephoned Target Customer Service to find out why it happened since I had sufficient funds in my account to pay for that. I told the rep that my account is set up for autopay and I paid the balance in full each month. However, I changed my bank account number online on XXXX, maybe Target didnt get it set up yet. He told me not to worry, just pay a {$1.00} late fee and XXXX take care of the rest. Even though it was unreasonable to be charged a late fee but I accepted to pay {$12.00} to settle the account. XX/XX/XXXX After talking with the rep, I went back to my Target account online to make sure that my new bank account number had been updated ; and it was. XX/XX/XXXX I received another email from Target stating again that my payment was returned and my account was past due. I was confused as I paid off the balance off on XX/XX/XXXX and did not make anymore purchases since. Targets May statement showed a previous balance of {$11.00} plus Fees charge of {$13.00} total balance due of {$23.00}. So I checked my bank account and realized that Target did not withdraw the {$11.00} from my account on due date, neither did the rep took care of the payment. XX/XX/XXXX I telephoned Target again and talked with XXXX, transferred to the supervisor, XXXX. I explained again that I changed my bank account number on XXXX and my account was set up to pay balance in full each month. I really should not have any past due balance or late charges as I had sufficient funds in my account. However, supervisor XXXX was rude and would not listen to reason, insisted that my payment was returned by my bank unpaid therefore, I must pay the {$23.00}. I told her that I wanted to dispute that charge. XXXX told me I needed to submit a letter to Target Head Quarter in XXXX to file my dispute. XX/XX/XXXX I sent a letter to Target Credit Services informing them that I change my autopay bank account info and had sufficient funds in my account to pay the balance of $ XXXX XX/XX/XXXX. However, I kept getting letters telling me my payment was returned and kept charging me fees/charges that doubled the amount due. XX/XX/XXXX I received a letter from Target that was forwarded to me by the resident at my old address even though on my current address has been listed for years. I did not keep that letter from Target declining my dispute. XX/XX/XXXX Received XXXX XXXX from Target, the amount due doubled again to {$48.00} ( {$23.00} plus {$24.00} fees charges ) XX/XX/XXXX Telephoned Target to dispute the charges. Talked to XXXX XXXX, XXXX, XXXX, then finally transferred to supervisor XXXX. I explained everything again from the XXXX statement of {$11.00} that got returned unpaid when I had more than enough to cover that in my account. She took the time to check and found that Target continued to draw funds from my closed account that was why the payments were returned. I told her, my old account was closed but I updated my autopay account on XXXX with a new account number. XXXX needed me to get my bank, XXXX, to write a letter to Target to verify that my account was active on XX/XX/XXXX and my account had sufficient funds to pay {$11.00} and the account remains active. I contacted XXXX to request the letter stating the above. XXXX responded that they do not write such a letter but using my bank statements should suffice their purposes. XX/XX/XXXX I wrote a letter to Target informing them that XXXX would not write the letter. I submitted my XXXX XXXX statement, showing my account was active and had sufficient funds to pay the {$11.00} on XX/XX/XXXX. XX/XX/XXXX Target sent another letter declining my dispute stating : You documentation we received from you on XX/XX/XXXX was not sufficient and did not indicate a letter from your banking institution stating that your checking account was open and active, and had enough funds to cover the payment in the amount of {$11.00}. The XXXX XXXX period XX/XX/XXXX - XX/XX/XXXX had a beginning balance of XXXX, ending balance of {$1500.00}. On XX/XX/XXXX, the balance was {$3400.00}, XX/XX/XXXX the balance was {$3300.00},, XX/XX/XXXX, the balance was {$3300.00}. Any reasonable person looking at that statement would know that the account was open and active and there was enough funds to pay the amount of {$11.00}. But that was not good enough for Target! XX/XX/XXXX Telephoned Target again, first XXXX then transferred to supervisor XXXX. I requested XXXX to join in on a conference call with XXXX so that she can verified information concerning my account being open, active and had sufficient funds on XX/XX/XXXX to pay the {$11.00}. After XXXX personally got all the info from XXXX, I asked her to please be sure to note the conversation so that there is a record on file. That same afternoon, I received a voice message from another supervisor by the name of XXXX. The following is the phone transcription Hi this message is for XXXX this is XXXX a supervisor at target cards service and dispute just wanted to follow up on your payment disputes and advised that they are closed you will be receiving a letter in the mail if you have any further questions feel free to give us a call back at XXXX thank you and have a nice day It was not clear what she meant by my payment disputes are closed. So I called her back but could not reach her. I left a message for her to call me back to clarify what she meant by my disputes are closed. I didnt get a call back so I called her again, left another message but again no response.
Company Response:
State: CA
Zip: 93704
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Getting the loan
Subissue:
Consumer Complaint: Ive had a business account with TD bank since XXXX. XX/XX/XXXX I filled an application out for a business loan online and was denied. Applied again for another business loan XX/XX/XXXX and was denied again. 12 CFR 1002 ( regulation B ) states the following. 12 CFR 1002 Regulation B protects applicants such myself from discrimination in ANY aspect of a credit transaction. When I applied for business credit in good faith twice, twice he was denied, he was denied in XXXX and denied most recently in XXXX Business credit is considered a form of a credit transaction. According to 12 CFR 1002.7, a creditor shall not refuse to grant an individual/business account/to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. Denying My business credit for the reason ( s ) highlighted in their denial letter are a clear violation of these government rights and those reasons are listed as follows, per your denial letter... Your credit history includes garnishment, attachment, foreclosure, repossession, collection action or judgement. Unsatisfactory previous or current bank relationship. This would fall under what according to our government and the CFPB.gov website would consider a prohibited basis, as I myself the consumer and applicant in good faith is indeed exercising his right under the Consumer Credit Protection Act, in good faith yet credit was denied and when Td bank was notified about these violations, Td bank doubled down on its illegal actions and violations of the Consumer Credit Protection Act with their coercive banking policies. Prohibited basis - Prohibited basis means race, color, religion, national origin, sex, marital status, or age ( provided that the applicant has the capacity to enter into a binding contract ) ; the fact that all or part of the applicant 's income derives from any public assistance program : or the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act or any state law upon which an exemption has been granted by the Bureau. Im trying to continue serving the local community and continue to make a difference in our local community but on a much bigger scale by creating jobs and giving back to the community with this business loan so that I can expand, but Td bank has yet to even sit down and even look at my business deck, plans or goals for My company. If this is not discrimination then its a violation of my rights and no matter how we decide to look at it, this is wrong and illegal. In my previous communications to them I clearly stated my deep concern for identity theft, and it was clearly ignored. I am clearly aware of my rights, of who I am and of what my role is in this entire situation. Td bank used my social security number without my authorization, this loan was requested for a business entity which has its own ein number but instead the social security number that belongs to, me my name and social security number was utilized meaning a credit transaction for ( Business credit ) occurred on their end, which again raises suspicion of identity theft because my social security number was used yet I received no benefit. Im fully aware that once I sign that application, the loan is indeed ensured on the backend but yet they deny me my right to those funds based on bogus and illegal accusations and the bank then keeps those funds instead of forwarding them to my business account. That is identity theft, and we are prepared to take all the necessary steps to ensure that justice is served.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A