Date Received: 2020-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have signed up for a TD Bank Cash credit card on XX/XX/XXXX. They advertised a 15-month 0 % interest rate but on closer attention I now see they have in fact been charging interest on purchases within the 15-month period. The site does not allow me to contact the bank by secure message anymore. I called on the phone on XX/XX/XXXX and spoke to XXXX. I explained the situation and she refused to fix the issue. I have asked for a case number but she also refused to provide one.
Company Response:
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Target credit card reported a 30 day missed payment for the month of XX/XX/2019. The payment was actually paid a day late but it was never 30 days late. I sent all bank statements to both creditor and credit agencies to verify the payment was never missed for 30 days. I was told from the creditor it was system error and would be corrected, Months later this still has not been corrected.
Company Response:
State: NJ
Zip: 08109
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: SUE FOR A DEBT THAT WAS PAST THE STATUTE OF LIMITATIONS FTC VIOLATIONS The statute of limitations bars creditors from suing for unpaid debts after a certain period of time. If you have old, unpaid debts, you might be safe from a lawsuit to collect the debt. A creditor or debt collector has a limited number of years to sue you for an unpaid debt. ITS LAW
Company Response:
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: ON THE XX/XX/2020 I RECEIVED A TEXT FORM A COMPANY USING " XXXX NAME THEY LOOKING FOR PEOPLE TO HOLD A XXXX SIGN IN MY CAR I ACCEPTED THE TEXT FOLLOW UP WITH MONDAY THE XX/XX/XXXX I RECEIVED AND EMAIL(XXXX) REGARDING THE SAME PERSON I GOING TO GET A CHECK FOR $XXXX AND THEN SAY THAT I WILL KEEP $XXXX MY WEEKLY PAY AND THE REST GOING TO AN INSTALLATION GUY BY BITCOIN I DEPOSED THE CHECK ON WEDNESDAY XX/XX/2020- AND WITHDRAWAL $XXXX ON FRIDAY TO SEND FOR THE INSTALLER ON SATURDAY XX/XX/2020 I NEVER KNEW ITS WAS FRAUD UNTIL THIS MORNING THE BLOCK MY ACCOUNT AND ALL MONEY WAS FRAUD I NEED MY BANK TO OPEN MY ACCOUNT FOR ME AND HELP ME PAY THE FEE
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am a cardholder of a TD Bank NA credit card. In XXXX I received an offer in the mail to transfer card balances to the card for a 0 percent interest offer, which I did on XX/XX/2020 via the bank 's on-line portal. I transferred balances from an account charging me 8 % interest. Once transferred I saw the balances at TD bank were being charged 18 % interest. When I spoke to TD Bank I was told that the balance transfer offer I'd received in the mail was only for people if they opened a new credit card account. Why was I being sent misleading balance transfer offers for new account holders only when I already have an account. These offers continue to arrive in my mailbox. I was misled into thinking I was receiving an offer on my existing account and am now paying 10 % more interest than before THANKS TO TD 'S MISLEADING MARKETING PRACTICES. They should not be sending new low interest offers when you open a new account to existing customers. They are not exhibiting due care. TD bank refuses to reverse the balance transfers or address the high interest issue. Furthermore at the time I transferred the balances and received a confirmation vis TD 's on line portal, there was zero indication that this transfer was not a 0 % balance transfer and that the interest charged would be at full rate, in which case I would have aborted the transfer. Again totally misleading. Trying to get people to transfer balances thinking it is a low rate when it is a high rate.
Company Response:
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I left the USA on XX/XX/XXXX after I accepted an international assignment with my company. Before leaving I settled all my credit cards and debts. I had a credit card with TD Bank and I paid in full its balance. A year later, on XXXX XXXX, TD charged me an annual {$49.00} management fee for the credit card I believed was closed and settled. I was not monitoring this as I assumed I was in good standing with my debtors, so I didn't see nor pay it. I returned to the USA in XXXX of XXXX and I found in my credit report this outstanding amount affecting my credit score. I disputed it via XXXX the week of XX/XX/XXXX. As a result TD bank updated my report and it now shows the balance as Charged Off since XXXX all the way to today. This lowered my credit score from over 700 to XXXX. I have called several TD customer services 1800 numbers and spent several hours on long waits. The TD employees I have spoken to do not know how to settle this and keep sending me to call other 1800 number lines/departments with no one assuming the solution. The TD associates argue that the fee is so old, that they can not see it in their system anymore. I even offered to pay the {$49.00} ( even though I disagree with it ) in an attempt to close the matter and improve my credit score. The TD customer services representatives again argue that the fee is so old that they can not settle it in their system, I disputed the account once more with XXXX and TD came back with the same vague answer, updating the credit submission as Charged Off. On XX/XX/XXXX I sent a letter to : Dispute Resolution department Re : TD Bank Credit Card. XXXX XXXX XXXX XXXX, GA XXXX And I have not heard back from them. I believe this matter is unfair, a result of an internal mistake from TD Bank, and is directly affecting my credit score. Could you please help me to solve and clean my credit score? Thank you
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has been reporting on my account for years I have tried a number of times to get this item removed I let them know I was a victim of fraud/if therft.
Company Response:
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: In XXXX, I purchased a {$1000.00} money order for {$1000.00} using my debit card at the post office to pay someone. It wasnt until a couple of weeks later that I found out that the money order bounced when deposited in the bank of the person I gave it to because it wasnt activated properly before being handed to me. I immediately opened a dispute with my bank ( TD ) and the post office to get my money back. TD gave me a provisional credit while they opened their investigation.The post office also opened an investigation and then escalated it to tier 2. They were of little help besides saying it was strange and the person at the physical post office saying they were having computer issues that day. They even confirmed it hasnt been cashed yet, its just in the ether. I called a week later to ask for an update and the person on the phone opened another investigation and escalated it to tier 2. After about a month, TD asked for more proof and I faxed them all my correspondence with the post office, copies of my statement before and after the transaction and the money order stub but they said that wasnt enough. I even told them it wasnt even cashed. They asked if I had a voided receipt but you dont get that with money orders, only the stub. I couldnt give them the actual money order as the bank that cashed it wouldnt give it to the person I gave the money order to. They probably destroyed it by then. I was told the one investigating my case would call me with more information because what they wanted didnt exist. They never did. I called the post office again a couple weeks later but the customer service rep didnt know what to do and offered to open a new investigation and escalate it to tier 2 ( sound familiar? ) and said someone would call me. They never did. After 90 days ( XXXX ), TD closed the investigation by default for lack of evidence on the weekend and took back their provisional credit, making me overdraft twice. The next day, the post office emailed me saying they were able to obtain a photocopy of the money order in question but they couldnt just give me my money back because they didnt have the actual money order, I had to fill out a completely new form for refunding money orders that could take up to 60 days to get my money back. The following Monday, I went to a TD branch in person and explained the situation again and the banker sided with me after I showed her everything I had including the new photocopy from the post office. She used all the info to open another new 90 day investigation which allowed me to get a new provisional credit. Its been almost 3 months since Ive heard from either and Im beyond frustrated with both of them. Im still out {$1000.00} ( MO + two overdraft fees ), stressed out and still no closer to a resolution. In less than a month, TD will automatically close their second investigation retaking back their provisional credit. XXXX incident number : XXXX TD Bank claim number : XXXX
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: CALLED TARGET RED CARD I FOUND FRAUD FROM XXXX I DID NOT PURCHASE. I ASKED FOR NEW CARD TO REPLACE ONE ENDING a XXXX they said i had to call back rep was hard to understand poor English. i need a new card and all XXXX purchases are FRAUD i did not order or authorize i think a cleaner for my home did it not sure. please send card and return funds for fraud. i will report to police as ap given the pandemic. i should not have to call again
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A