Date Received: 2020-02-13
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: This account was negotiated for a significant less amount. The payment history is not showing correctly and every dispute I make does not fix the issue. The account was settled for {$290.00} and no payments are outstanding. All collection activity has ceased yet its still showing on my credit report and the other credit bureau 's that the balance is outstanding for a much higher balance. Its still showing unpaid and as a charge-off. The settlement was for {$290.00} from XX/XX/XXXX until XX/XX/XXXX for {$48.00} each month.
Company Response:
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX car sales ran my credit 3 times, i only authorized them to run my credit one time. i spoke to the credit manager XXXX at XXXX car sales in at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX XXXX XXXX several time and told him only to run my credit one time. He ran my credit 3 times. 2 times with XXXX for TD AUTO FINANCE, on XX/XX/2019 and XX/XX/2019. XXXX told me thereafter that XXXX XXXX HAD DECLINED THE LOAN, HE SPOKE UNTRUTH. TD AUTO FINANCE TOLD ME BOTH TIME THEY DID RUN THE CREDIT AND BOTH TIME THE LOAN WAS APPROVED. Then XXXX XXXX XXXX ran it again 1 more time with XXXX for XXXX XXXX on XX/XX/2019. 2 TIME THEY RAN MY CREDIT UNNECESSARILY AND WITHOUT MY APPROVAL ANOTHER PROBLEM WITH TD AUTO FINANCE IS THAT THEY PAID XXXX FOR THE CAR BEFORE IT WAS DELIVERED TO ME AND I HAD A 45 DAYS BEFORE THE FIRST PAYMENT WAS DUE AND THE REFUSED TO ADJUST IT, TELLING ME I HAVE TO FIGURE THAT OUT WITH XXXX XXXX SALES IT MAKE NO SENSE. ANOTHER PROBLEM IS THE INTEREST RATE ON LOAN WAS 3.99 %, THE MANAGER SHOWED IT TO ME ON THE COMPUTER, AND WHEN THEY GAVE ME THE PAPER WORK ITS NOW 5.99 %, THIS IS FRAUD.
Company Response:
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had a Target credit card for 8 years since XX/XX/XXXX. I understand that TD Bank runs the credit card. I have paid on time, every month, always. Last month on XX/XX/XXXX, I did my online payment ahead of the due date. 2 days later on XX/XX/XXXX, this payment was returned and a returned fee payment of {$28.00} was charged on top of it. I called Target the next day to inquire, and they told me Accounting had not posted the reason for the issue and asked me to call back another day. I called again the following week, and was told they could not reverse the fee because THEY were not the ones who charged it, but the bank. They were unsympathetic and I filed a dispute. Afterwards, upon looking through the transaction history, I discovered that somehow, when I was making my normal online payment, an old bank account was selected instead of my current one. I believe that was my old XXXX XXXX XXXX account which I closed a few years ago ; I recognized the last four digits. I did not make this error to my recollection ; I recall selecting my XXXX bank account, which is open and has a healthy balance. Something happened in transit ; one will never know now. ( As a side bar, I purposely don't do auto-pay with my Target card because of their security breach a few years back. It has been because of loss of trust that I have been painstakingly paying manually every month. ) On XX/XX/XXXX, I got back on the phone with them today and still they told me this error is on ME, so THEY can not do anything - not even issue some kind of credit. They showed appreciation that I've been a loyal customer who has paid on time for 8 years, but they did not explore ANYTHING on my behalf to mitigate this situation. I was at wit 's end, and asked to close my card on the spot. I am simply appalled by their lack of ownership and treatment. I don't care about {$28.00}, but I do care about customer experience and breach of a relationship of trust. This was a horrible experience that took more time and energy than I can give. I'd like to warn other users of the Target credit card against potential flaws in their payment system that can result in unexpected fees.
Company Response:
State: IL
Zip: 60004
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I opened an account with XXXX XXXX XXXX TD Bank on XX/XX/XXXX. I was paying on time every month. I entered into a debt consolidation program with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. During this period of time XXXX stated they had contacted all the creditors I included in the debt consolidation program and everyone had agreed to terms. XXXX began making monthly payments to XXXX XXXX XXXX. I have statements from XXXX showing the payments being made. On XX/XX/XXXX XXXX reported to my credit that there was a 30 day late payment. I reached out to XXXX at XXXX to figure out how I was late when XXXX made the payments. XXXX stated the payment was insufficient but this payment was already pre agreed upon by both companies. At this time XXXX told me it was my problem that I was not checking my monthly statement, but XXXX never tried to contact me about this via email or phone call to inform me the payment was not enough. I told XXXX that my online access didnt work, and they stated once you switched to a debt consolidation program it takes your access away! So how would be able to check my Statements? They had no response. At this time XXXX told me the correct payment had to be made 3 months in a row to get the account back in good standing, but credit would show I was 90 days late on payment until then. I reached out to XXXX about this and they stated they made the correct payments agreed upon between the two companies so theyre not sure why they reported it late. XXXX never gave them a reason why the payments were not sufficient to XXXX so now I am stuck with a 90 day delinquency on my credit severely effecting my credit when essentially I was never late. XXXX never gave me access to check my online account and verify statements and never attempted to reach out to me to tell my my payments were not sufficient. I had no other issues during my debt consolidation program with other companies and them receiving payment. All payment pricing and arrangements are made between XXXX and all other companies that work together in the debt consolidation programs. I dont know any of that information about monthly payments. XXXX tells me what both companies have agreed upon when it comes to the client and then XXXX drafts the money out of my account automatically every month to pay the creditors.
Company Response:
State: TN
Zip: 37069
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
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: On XX/XX/2020 I provided a letter to TD Bank , N.A . Card Services Department, hereto referred as TD Bank, to dispute an amount that I believe to be in error on my statement. This letter provided my account information, dollar amount and a description of the problem which is requested per the TD Bank Credit Card Agreement, hereto referred as the agreement, and in accordance with the Fair Credit Billing Act ( FCBA ) Public Law 93-495, H.R. 11221 15 USC 1601-1666. After I sent this dispute in accordance with both federal law and the agreement TD bank sent me a letter dated XX/XX/2020. This letter stated that I requested a credit report amendment, however I have not made any requests for such amendment recently. The letter also states to call TD Card Services, customer support at XXXX. I called the number provided as well as used the app to call in and was on the phone for 2.5 hours today XX/XX/2020 without any avail or help with the letter that I received as indicated. One representative informed me that the letter was in response to the dispute that I sent in on XX/XX/2020 however the dispute does not mention anything about a credit report amendment. A later representative informed me that the dispute that I sent in on XX/XX/2020 was closed without any action taken because I did not list a specific transaction, however both federal law and the agreement both specifically state that only a balance needs to be provided and not a specific transaction. By not accepting a dispute due to an internal policy is a violation of federal law and a breach of contract. I was untimely transferred more than 6 times and landed with Risk Management who provided me a number to what she called Military Lending Department XXXX which was only a recording of a TD Bank policy and then the line disconnected. I called the Military Lending Department at the number provided several times and it all ended with the phone disconnecting with no option to speak with a human.
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/2020, received notice of 3 o draft fees, then account locked. When branch XXXX nh.. manager informed locked my account chip on chip avtivity, account XXXX overdraft not counting XXXX of fees. We went Thur unatorized trans found purchases in cal, ny, nc, few trans purchase card in california, legit purchase made in XXXX nh few hours later ... impossible in cal and nh few hours. Filed police report gave tp bank. For one month to bank kept saying did not police report, branch emailed twice, filed new report Thur bank XXXX assured police in he XXXX sure refunded the bank close account found fraud .... finally hours on phone XXXX XXXX number one honest to bank employee bank saying left me phone message saying fraud activity they thought on account, I never received notice, until got 3 of fees in mail. Been customer to bank 20 years, retired now my ss income, loss half. Money month. Thur out this process to bank lied many employees, why not process file charges in out state debit thefts. To bank are bunch robbers, no ethics, or truth in them share holders ashamed XXXX XXXX bank who dont protect, be truthful customers.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
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: TD Bank/TD Card Services did not properly handle a credit card dispute and did not follow-up on the dispute, as other banking institutions would have done. In addition, this credit card dispute involved four banking institutions, and all three of the other banking institutions followed-up on this credit card dispute and provided a permanent credit for the disputed amounts. TD Bank is the only bank that has not followed-up on the dispute and provided a permanent credit for the disputed amount. TD Bank does not respond to written communication and never responded to the attached letters written to TD Bank asking them to properly handle this credit card dispute. As shown in the enclosed correspondence, a service provider agreed to provide ongoing representation in a legal matter for XXXX. Because of the amount of the charge, it was split over four credit cards. The service provider failed to provide the agreed upon services for the payment of XXXX. I then requested a refund for the charges totaling XXXX. The service provider admitted they did not provide the agreed upon services but ignored requests for a refund. I submitted disputes to the four credit card companies for the four credit cards involved in the dispute. TD Bank did not follow-up on the dispute process. ALL three of the other credit card companies properly followed-up on the dispute and provided credits on my credit card accounts for the dispute amount. I wrote to TD Bank on XX/XX/2019 initiating this dispute in regard to services that were not provided. I wrote to TD Bank on XX/XX/2019 providing additional information and thanking them in advance for their assistance in regard to the dispute. I wrote to TD Bank on XX/XX/2019, asking them to follow-up on this dispute. They never responded. When I received another credit card statement from TD Bank and they had still not given me a credit for the dispute amount, I wrote to TD Bank again on XX/XX/2019, again asking them to follow-up on this dispute. They never responded. When I received yet another credit card statement from TD Bank and they had still not given me a credit for the dispute amount, I wrote to TD Bank again on XX/XX/2019, again asking them to follow-up on this dispute. They never responded. TD Bank NEVER provided any response to my letter of XX/XX/2019, NOR to my letter of XX/XX/2019, NOR to my letter of XX/XX/2019. I called TD Bank on XX/XX/2019, and they told me that the dispute had been closed but they told me on the phone that they were reopening the dispute. Again, it has been months and I have not received any follow-up communications from TD Bank in regard to this dispute. All three of the other credit card companies, involved in the SAME dispute, have given me refunds for the amounts that are part of this same dispute. The other three credit card companies provided those permanent credits months ago. TD Bank has still not handled this dispute with the other bank involved. TD Bank NEVER follows-up on the dispute process and repeatedly NEVER responds to communications. I am attaching the correspondence with TD Bank. TD Bank only sent three form letters at the beginning of the dispute process. The only information specific to my dispute was the date received, the Case Amount, Merchant Name, and Transaction Date. Each time, all of the other information in the short letter was just a form letter that was not specific to my dispute. And, TD Bank failed to provide any documentation from the merchant as they state in the third form letter. TD Bank never took the proper steps to properly process this dispute.
Company Response:
State: VA
Zip: 22042
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/12 FRAUDULENT ACCOUNT ACTIVITY {$820.00} XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I wish to complain about the mortgage loan with TD Bank USA, which was obtained XX/XX/XXXX and paid on consistently until XX/XX/XXXX at which time I met a hardship due to unemployment. I have made efforts at bringing the loan current and getting a modification. I was able to get the lender to agree to a modification trial period however the issue is the principle balance increased by XXXX XXXX dollars and the home was never in default nor did the loan ever reach 90 days late. Furthermore, the payment process was severely hinder by denying online access and combined with phone payments not being applied to my loan and requiring multiple attempts to get the XX/XX/XXXX payment applied to my loan. I seek relief from the disruptive and oppressive practices the banking processes with TD Bank USA mortgage department. I have not received a written explanation of the reason for the increase of mortgage principle and the verbal explanation was the lender did not want to confuse me or the numbers were being processed and i would be notified when the modification was finalized.
Company Response:
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2020-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid off a no interest promotional account with XXXX XXXX/TD Bank account with XXXX XXXX on XX/XX/XXXX. I had to cancel the automatic payment I had set up in order to pay this account off. It would not let me schedule a payment without canceling this. I received a notice that my account was due on XX/XX/XXXX through email notification that I had set up. I checked my account and it showed a XXXX balance. On XX/XX/XXXX they added a deferred interest charge that I was unaware of of around XXXX. When I received a phone call in XX/XX/XXXX I was told that the account had to be paid off by XX/XX/XXXX I believe in order to have not accrued any interest. On XX/XX/XXXX I paid XXXX to pay this account off again. They were refunding a XXXX late fee. In actuality they did refund this and reapplied it to the account the same day without my knowledge plus 1.35 in interest. XX/XX/XXXX they charged a late fee of XXXX plus 1.00 interest, XX/XX/XXXX XXXX late fee plus 1.00 interest and XX/XX/XXXX XXXX late fee which brought my balance back up to XXXX. I spoke with a representative once again, who advised that this was due to the initial late fee being applied back to my account on the same day it was removed and she would take care of this. Two weeks later I received a message again about my past due account. I called back and spoke with an extremely rude representative and once again I paid an outstanding balance of XXXX. Now 8 months later they have reduced the credit limit from XXXX dollars to XXXX and attached a negative notice on our credit report. I will never again use their service but I am requesting that this be removed from our credit report. I had this set up on automatic payments so as to never be late, had to cancel this in order to pay the account off, and then had to actually pay it off on three separate occasions due to what I feel is deceptive policies and procedures.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A