Date Received: 2020-03-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Summary : While my account was in good standing, Target asked me to pay off my balance in full in exchange for Target removing negative credit bureau reporting. After I paid off my balance in full, Target refused to contact the credit bureaus. FACTS I was in the early stages of purchasing a home. In the process, I was informed that because I was reported 30-Days late for a credit card payment to Target for my Target RedCard, my credit score had fallen below the threshold needed to purchase a home. My Lender recommended that I contact Target and request a courtesy removal of the 30-Day late reporting, since I had an excellent payment history with Target outside of this one incident. I followed his recommendation. On XX/XX/2018, I called Target Card Services and informed the representative of the above situation and requested a courtesy deletion of the 30-Day late reporting. ( Note : At this time my account was in good standing and current, with a balance of {$100.00} ). The representative placed me on hold to discuss the matter with a supervisor. The representative returned to the line and indicated that Target would only request the courtesy deletion if I paid my account balance off in full down to XXXX. He stated that once I made the payment, I would have to call back the next day when my account balance reflected a XXXX balance and Target would then initiate the deletion request. I asked once again that he confirm. Once he confirmed a second time, I asked him to enter this arrangement into the notes of my file, so that when I called back the following day, Target would understand the situation. After reading the notes back to me, he took my payment of {$100.00} via an over the phone check payment. The following day, I received a notification that my check for {$100.00} had processed and, after confirming my Target Card balance was XXXX, I called Target asking they initiate the request to delete the late reporting. I made a call to customer service and, despite acknowledging the notes in my account and my payment, Target informed that it would not issue the request to delete the 30 day reporting. The most the representative offered was to forward notes of my concerns to the department that handles credit bureau disputes and that they take about 30 days to respond. The representative indicated that he was directing that department to file a dispute on my behalf, indicating that the due date reporting glitched, which is not false. Due to the time-sensitive nature of my home purchase, Ive placed several calls to get updates since XX/XX/XXXX, with no success. Therefore, I also placed a dispute directly with the Credit Bureau to try to resolve the issue. I contacted Target, and was informed that Target was declining to offer any favorable gesture with respect to the credit bureau reporting. Specifically, Target refused to even attempt to contact the credit bureaus and have the negative reporting deleted. Target also informed me that it received a notification from the credit bureau that I had disputed the negative reporting and Target rejected my dispute.
Company Response:
State: MD
Zip: 20901
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been a customer with TD bank for more than 3 years and unfortunately had to close this bank account because I was moving to XXXX from XXXX XXXX and TD bank has no branches in XXXX. Now Im admitted in the hospital and need financial assistance for which I need some transactions from my account in TD bank. Saturday on XX/XX/XXXX I called TD customer service asking for international wire transfer documents in year 2019 & 6 months statement before closing my account. I was told to call recovery department on Monday, when I call up this lady on the phone tells me to go to a branch and there is nothing she can do! Im in XXXX and how will I get to XXXX XXXX during this panademic while Im sitting here in the ER just for paper statements or for the matter of fact these documents can also be emailed to me and sorted out! Such people should stay at home and not come to work! Having such people at ur bank not only makes u look foolish, but also the whole country looks foolish ... ..
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is a follow-up complaint, which was closed by the CFPB after TD Bank 's response. However, in the response, TD Bank provided invalid reasons, citing a condition that did not exist at the time that I opened my account. The stated condition also did not present in the conditions for the eligibility for preferred rate at 2.5 percent, which was attached to TB Bank 's response to my previous complaint ( # XXXX XXXX. This simply shows that TD Bank does not care about adhering to the best standards and continues to deny its wrongdoing. If TD Bank can not point to the stated condition mentioned in the response in the letter in its attached conditions of the account, it should make a compensation for what I asked for.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Have Checking Account with TD bank Unauthorized fraudulent activity notified TD bank unable to contact XXXX or XXXX XXXX. These are the following transactions All pending {$51.00} XXXX XX/XX/ {$6.00} XXXX XX/XX/ {$37.00} XX/XX/XXXX{$14.00} XXXX And XXXX XXXX XXXX {$200.00}
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Please review the information provided and understand that I am a victim of fraud and misrepresentation. I have paid the outstanding amount that was borrowed within the timeframe that was explained to me. Currently, I am experiencing hardship because I am located in a FEMA designated disaster area and I am asking for you to review this interest charge and waive it. My original purchase date was XX/XX/XXXX, when I spoke with the representative at the store I was assured I had exactly 12 billing cycles to pay off the balance before the interest is charged for the year. According to my last statement, the interest was charged on XX/XX/XXXX. My payment due date for the last statement was XX/XX/XXXX. The salesperson at XXXX has engaged in blatant fraud and misrepresentation of your terms and did not provide any documentation as we signed on the pin pad for the agreement. We were told the packet with terms and conditions would be mailed but it was never received. Given the situation, we were calculating the payments based on the promised 12 statement cycle period. The original purchase was XX/XX/XXXX which was included in the XX/XX/XXXX statement. We paid our XX/XX/XXXX statement in full. The statement had an expiration date for the promotion of XX/XX/XXXX which was 5 days before the end of the statement cycle. The statement did not specify we have to pay the balance before the statement actually ends on the XXXX. We spoke to multiple supervisors who were very rude, including supervisor XXXX ID XXXX regarding this issue and they stated that they did not care about misrepresentation, fraud, or the 12 statement cycles we were promised and did nothing to help rectify this situation. Please understand my predicament, this was a simple mistake based on the information provided by the salesperson and the lack of definitive payment due dates that are missing from your statements. Moreover, a check was mailed to their company on the XXXX of XXXX. I provided TD with the check number and all the details and they are claiming that my check was lost. How convenient for the company to lose my check and charge me 30 % interest. Also to be noted, when I signed up for the card, I was never given, read or provided any disclosures. I also have not received them later in the mail. I had to call the bank and ask for instructions so I may be able to make payments online at least because I didn't even have my account number. Moreover, the bank closed my account unilaterally ( presumably because their partnership with the store ended ) but I was never notified about that until I pulled up my credit report and noticed that the account shows as closed.
Company Response:
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A fraudulent account from XXXX/XXXX, NORDSTROM CREDIT CARD is reporting on my credit. I never opened this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I cashed a TD Bank check at a TD Bank branch on XX/XX/2020 in XXXX, MA. The bank charged me a fee of {$10.00} to cash their own check because I do not have a TD Bank account. I know that there is no federal law to prevent this and I know that this is a common practice among the county 's large banks. It's an outrageous gouging of consumers and a law needs to be enacted to end this practice. I hope that the CFPB will bring attention to this issue if it is not doing so already.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After receiving notice from Td Bank ( XX/XX/2020 ) that our homeowner 's insurance had lapsed, we immediately responded with the supporting documentation to dispute that claim : escrow statement showing full payment ( 12mos. ) to our insurance company, and a declaration page stating the coverage period. In the weeks to follow we made several calls to their customer service mortgage department to rectify the situation and hasten a solution ( refund ). At one point we even enlisted the aid of one of the banking center managers assuming that he would have access to the appropriate personnel! All of our efforts have been ignored. It was not possible to request the same agent when I called and each call involved retelling my story and being given the same response : " we will expedite your inquiry ''. Our account was billed an exorbitant amount, {$4200.00}, for insurance that was purchased by TD bank and they have not provided any explanation for why they claim we had no coverage. Meanwhile we were never notified that we were ( supposedly ) at risk and it was 5 months before we got any notification, and were billed well after the fact. The level of disregard for our concerns and consumer rights is more offensive than the incompetence of the customer services at TDbank!
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: TD/TARGET is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Company Response:
State: UT
Zip: 84032
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Account Name TDRCS/XXXX Account Number XXXX TDRCS/XXXX Reported me 30 days late on XX/XX/XXXX and I was never late and I paid my account in full and satisfactory. I faxed letters to TDRCSXXXXXXXX and XXXX to be corrected and it still shows on my credit report. I submitted dispute to XXXX as NEVER LATE, ACCOUNT WAS PAID AS AGREED. Sent documents and they never fixed and just said it was investigated with no resolution. Date Opened XX/XX/XXXX Date closed : XX/XX/XXXX TDRCS/XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX
Company Response:
State: CA
Zip: 91351
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A