Date Received: 2020-04-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There is an outstanding debt on my XXXX XXXX report that has been paid. It is from TD Bank. I have documentation from TD Bank that the outstanding debt has been paid.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
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: Placed order XXXX, told merchant via three different contact methods that XXXX could not deliver the package due to the pandemic. Tracking proof proves that merchant requested an interception of the package. As of XX/XX/2020 XXXX is attempting to return the package. Simple, item was never delivered, my account should be credited for the purchase of {$1300.00} dated XX/XX/2020 on the account.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Approximately year XXXX, I obtained a Target credit card. During that time, I lost my business, did not have a job, had a toddler that my wife was home with, my mother-in-law was diagnosed with XXXX and was moved into my house. I was at a bad place in my life and was not able to pay my bills which includes my credit cards. I needed to keep a roof over my head and had to modified my home loan to stay in my home. The home loan went up to 40 years which we had 10 years left on our mortgage. We had to do what we had to and stop paying credit card was the only choice I had at that time. On XX/XX/XXXX Target served papers to my mother-in-law whom at the time has been diagnosed with XXXX. My mother-in-law took the package to her room and I never laid eyes on those documents until I tried to refinance my home. When XXXX XXXX did a title search on our home, it came back that we have a lien on our property. We were in total shock as we were not aware that a company can do something like this without our knowledge after so many years. How is this possible to take a non secure debt and put it in a secure debt? This debt was originated back in XXXX and how could Target put a lien on our home from a debt that was so old. When I first got the credit card, the limit may have been around {$2000.00}. When target was done with me, the debt got up to {$12000.00} including all the late fees, court fees, over the limit fees, etc. I have hired a lawyer to try to handle this situation to no avail. Target would not work with us through the lawyer. We were willing to settle and to this day we have gotten no where.
Company Response:
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
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: order # XXXX I didn't receive the XXXX I contacted their customer service 2x by chat and they weren't able to help me.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i DID NOT AUTHORIZE THIS INQUIRY. The site says it will giveme an aswer in minutes which they did do. But they said it would be a soft inquiry. They instead did a hard inquiry making my score go down.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i DID NOT AUTHORIZE THIS INQUIRY. The site says it will giveme an aswer in minutes which they did do. But they said it would be a soft inquiry. They instead did a hard inquiry making my score go down.
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Celled TD Bank on XX/XX/XXXX about a deferment for my HELO for just 90 days .... I was informed by information in the article by XXXX that is included on a list, TD bank clearly states they are supposed to give customer deferments to homeowners on HELOC 's and when I called the rep, Im told in 2 weeks they would let me know and do so on case by case basis -- -- BUT a supervisor called me today XX/XX/XXXX to tell me that's not the case at all and he is saying they do not even offer deferments on that product - only forbearance I do not want AND so I tell him and emailed him the XXXX article today clearly stating TD bank is offering it, and even so it is stated in more than one reference online to include HELOC 's and it is reported as facts in including XXXX and the .pdf article clearly stating it is attached here below. HE says no, sorry, not happening. Say what? How then was that published and how are they not offering to suspend AND just add these deferred 3 months added to end of our loan term/duration, I mean hello?!! Income has been stopped and many like me- WE ARE IN A CRISIS HERE!
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The TD bank branch where I used to go has closed its doors to any personal contact because of the pandemic. I need to deposit a check and I soon will need to make a withdrawal to pay my rent. I currently do not have an online account. TD 's website does not even explain how to open one. I have a debit card but I have forgotten my pin number, therefore I can not use their ATM machines. Though the website says one can conduct business with TD by phone, this has proven to be untrue. I have not been able to get any contact with TD by phone.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I signed up for this card and rarely used it. I had lost my primary and used this card. I never received a statement. I believe I spent ~XXXX. Now my balance is {$130.00} and has been reported to the credit bureau as late. I never received a statement. I never received a phone call. Then today, I receive a letter saying they've reported me to the credit bureau.
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TD Bank Notified me by email immediately that my card was used in two fraudulent transactions. I immediately confirmed that they were not purchases made by me. I did not go to the those places of business and that two out of state {$.00} transactions occurred prior to those fraudulent transactions. Subsequently, after letters and calls, TD Credit denies my claim and said " I was responsible for paying the money on both charges. '' Their appeals department denied my appeal without sending me any letter or notification. After numerous calls, I was told a Supervisor would get back to me. I never received any return call from a Supervisor.
Company Response:
State: PA
Zip: 19468
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A