Date Received: 2020-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, CFPB. I am writing because I need your help. Back on XX/XX/2020 I tried to fix this issue with TD Bank, but they did not do anything to help me. This company is reporting wrong information, they have failed to investigate the item, these are violations under the Fair Credit Reporting Act. This is hugely affecting me emotionally. I am demanding the following item from my credit report : Target/TD bank acc # XXXX : Opened Date XX/XX/XXXX, XXXXClosed Date XX/XX/XXXX, XXXXLimit $ XXXX Bal {$0.00}. Please send the attached documents to TD Bank.
Company Response:
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I was reported 30 days late by Target Redcard. Never received anything from them, paid bill off completely when given a notification from a credit monitoring service. Have never been late on a payment ever. Called and claimed that they launch an internal investigation. They then admitted that they didnt even have my correct address of file for correspondence ( other than email statements ). I dont believe that a reasonable person would evaluate the foregoing situation and deem my acts as negligent. Im attempting to repair my credit after this, and it seems malicious to not extend one mulligan to a customer with, up until this point, perfect credit. Their internal investigation is a joke.
Company Response:
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had paid off my Nordstrom card in full by XXXX of XXXX. There was a {$17.00} balance on the card that I was not aware of an wasnt contacted regarding paying. I have a clean history of payments for the 15 years of credit history on my report, after 30 days, Nordstrom sent this to collections without contacting me. The effect on my score was detrimental and dropped it down over 70 points. I called Nordstrom on XX/XX/XXXX to resolve and they stated their was nothing they could do. I closed the account after making the final {$17.00} payment. Ive been working with Transunion since XX/XX/XXXX to fix my score, but havent had success at this point in time as of XXXX.
Company Response:
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: TD Bank opened unauthorized accounts in my name. They used my social and address. They told cfpb that they closed the accounts in XX/XX/2020. I received an account from TD bank today. XXXX XXXX XX/XX/2020. ) The account was clearly never closed. TD bank never sent me confirmation of the closed accounts after telling cfpb that the accounts were closed.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX TD Card Services called me to ask me about 2 charges that had been made on my account that they suspected were fraudulent. The charges were made on XX/XX/XXXX ( XXXX XXXX {$47.00} ) and XX/XX/XXXX ( CK Dealer # XXXX {$45.00} ) in XXXX SC. I haven't been to XXXX SC in over 10 years and agreed that these were fraudulent charges. They canceled my card and issued me a new one. On XX/XX/XXXX I received a letter from TD stating that they denied my fraud claim and deemed that these charges were not fraud based on my spending patterns even though I had 5 in-person transactions in XXXX, SC that day, which is over 150 miles away from XXXX. I called TD on XX/XX/XXXX and requested that someone from the dispute department call me and that they reopen my case. I was told a request to reopen my case was submitted and that I would receive a letter in the mail. On XX/XX/XXXX I still hadn't heard anything, so I called again. I asked to speak directly with the fraud department and was denied. The rep told me she would put in a note for someone to call me and it could take 3-5 days if they chose to call me. On XX/XX/XXXX I still hadn't heard anything, so I called again. I asked to speak with a rep and was denied again. I was told that it hadn't been 5 business days, so I just needed to wait. On XX/XX/XXXX I still hadn't heard anything, so I called again. Same thing ... was told they put a note in the system for someone to call me. On XX/XX/XXXX I called again. I asked to speak to a supervisor. She couldn't help me. She put a note for management of the fraud department to call me since no one had reached out previously. On XX/XX/XXXX I still hadn't heard anything so I went into a local TD bank branch. I explained my situation to one of the bankers. She called TD card services on my behalf. They wanted to speak to me ... They said that they were reopening the case and I should receive a letter in the mail. On XX/XX/XXXX I hadn't received any letters or any phone calls so I went back to the local TD bank branch. I explained my situation to a new banker since the original banker I had spoken with was busy. The new banker called TD card services on my behalf. She got very frustrated with the TD card services rep. The first rep kept telling her that they had already given me my money back ( which they hadn't ). She asked him for a date that the money was returned and the rep couldn't provide one. We were on the phone at the branch for an hour. The banker was transferred several times. Finally the last rep told the banker that my case had been resolved and a letter had been sent out the day before ( XXXX ) to let me know that it had been resolved. Today is XX/XX/XXXX and I have yet to receive any letters or communication from TD card services of any kind. In addition to this, they are charging interest and late fees on the unpaid balance, which consists entirely of the 2 fraudulent transactions. I no longer use the card and would like to cancel it but was told I can't cancel it until it has a zero balance. If they would take care of the fraudulent charges, it would have a zero balance ...
Company Response:
State: SC
Zip: 29650
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/2020- I spoke to a representative in regards to an overdue balance. I informed the associate I was not aware of the overdue balance and was under the assumption my card was no longer valid ( previously XXXX XXXX card and issued new TD card with new card # ). The card was used by an authorized signer without my knowledge I informed the associate I would pay the balance in full ; however, I requested to have the {$35.00} late fee and interest charges waived as this was an honest mistake. The agent informed me she, herself, could not waive the fee but would escalate to a supervisor. I was informed I would receive a return call on my cell phone ( verified by agent ) within 48 hours. XX/XX/ - I called back as I had not received a returned call on my verified cell # as promised. I was informed that I was now past 30 days delinquent (XX/XX/2020) cutoff and I would be reported to credit reporting agencies. I was once again told by the agent she, herself, could not not waive the fee but would escalate to a supervisor. I was informed I would receive a return call on my cell phone ( verified by agent ) within 48 hours. After the call I logged into my account and paid the balance in full to " stop the bleeding '' as a callback does not seem promising. ****I was charged an additional {$35.00} late fee and $ XXXX in interest due to TD 's inability to return my call as promised AND I was reported to the credit bureau*********
Company Response:
State: PA
Zip: 18901
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The account was settled with this company. I have obtained those records, but they are insisting that I am still responsible for the amount. They have refused to take the item off my credit history.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Unbelievable I placed a check order and they refuse to make it free its not fair I was charged {$90.00} and then XXXX charged me {$30.00} for something I paid rushed never delivered on time I want my money back from my bank
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Target is reporting a debt on my credit that I no longer owe. This debt is past the statute of limitation in California. And not only is it past the statute it's really old and past the credit reporting limit. I am requesting this account to be removed off of my credit file.
Company Response:
State: CA
Zip: 95818
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I settled an account with XXXX through the debt collector XXXX XXXX XX/XX/XXXX, account cleared payment on XX/XX/XXXX, and I have called and called and requested that my credit report is still not showing balance of 0 after settling. They have not sent an update to the credit bureaus. On top of that I have a pending mortgage and they are requiring a letter stating that account has been settled with XXXX. I have called several times and they are refusing to provide me a letter stating that it is settled. The verbiage is reflecting that it has been settled pending clearing of payment which was cleared months ago. I have spoke to several XXXX representatives and requested to speak to supervisors and nobody is helping. This is delaying my process in purchasing a home. I need someone to do something. I need a letter stating account has been settled with 0 balance, without extra verbiage implying pending payment. Also, I settled another account with XXXX XXXX XXXX with debt collector XXXX XXXX End of XXXX, payment cleared on XX/XX/XXXX. I have called TD Bank USA several times and have not been able to speak to a person to obtain a letter stating account has been settled and cleared. I received it from the debt collector but I am need one from the creditor stating it is cleared and settled. No response from them at all. Automated system leads you in circles. I need a letter asap and mailed to me. My credit report is also not reflecting a {$0.00} balance. I have not received not one letter from TD Bank USA stating the account has been settled. These accounts were paid months ago and I should be able to obtain these items from the creditors. Accounts were resolved.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A