Date Received: 2024-01-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a XXXX financing account on XXXX in XXXX of XXXX and ordered a XXXXXXXX XXXX XXXX XXXX with this financing on XX/XX/XXXXXXXX under order number # XXXX. This was successful. The financing account I was offered and approved for is a revolving line that can be used anytime on XXXX On XX/XX/XXXX, I attempted to purchase another device with the XXXX XXXX I was approved for, and the purchase initially went through. But canceled shortly after about 20 minutes later. This was their response " Thanks for your recent order # XXXX. Were really sorry, but weve cancelled the items shown below because we couldnt verify some or all of your payment information. '' I placed the order again after verification, and the same issue happened. I've placed a total of 17 order independently, with XXXX Representatives over the phone, and verified information that has not changed with countless representatives. It is now XX/XX/XXXX, and I have been in communication with an escalation manager who said she would fix the issue, as it's an issue with their system, and has nothing to do with me. I received an email from this representative today stating that the final reason they can not process my order order, is because their system has identified that I can not place orders on their website? Also stating this aligns with their risk protocol and that their primary concern is security. This is absolutely unacceptable. The only reason I have a credit line with XXXX is to be able to purchase from XXXX. The financing is only able to be used online, and there is absolutely XXXX reason why " security. '' I was also told that I should request a credit line increase due to the option I had to split the payment method with another card during the initial orders. I requested it and was denied. This experience has led me to conclude that they are engaged in illegal Consumer Lending Fraud, and Deceptive Lending practices under " TILA and Regulation Z '' For a large company and lender to offer a consumer a revolving credit line that is limited to be used only on their website, approve the financing and the first purchase. Then later state that the consumer can not purchase online due to a fictitious claim of security, and leave the consumer stuck with a unusable credit line that the company is profiting from is not right, and illegal under regulations. I am looking for compensatory damages due to the impact this will have and has had on my credit report. I would have never opened a credit line with a company such as XXXX if I knew this was how they treated their customer and credit line holders. They've lied and said the reason was my credit limit, my information being different although nothing has changed, told me it was my bank who had the issue, that is was a linking account issue, and now that it's a security issue. They are liars and I will include all documentation as attachments.
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
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: I reported fraudulent charges on my credit card statement to TD Bank in the amount of {$790.00} for XXXX XXXX XXXX XXXX XXXX shoes from XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX and live on a XXXX income in a XXXX XXXX XXXX. I did NOT make these purchases and I did NOT receive these purchases. The XXXX proof-of-delivery statements show that these purchases were sent to addresses ( not disclosed ) in XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX My address is in XXXX XXXXXXXX XXXX which is hours away. TD Bank sent me a letter saying that fraud did not occur. I don't understand this determination? They also stated that the transaction ( s ) appear to be authorized/consented by me and that I benefitted from the transactions! How is this possible? This was an obvious scam and now I am suffering from the negligence of this bank and it's failure to protect my account.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Subject : Dispute of XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX Department, I am writing to formally dispute an erroneous entry made by XXXX XXXX XXXX on my credit report. This entry, which negatively impacts my XXXX XXXX, suggests that I have an outstanding balance on my XXXX account. However, this claim is incorrect as I have never received any billing statement or communication regarding this alleged debt. I first became aware of this issue upon reviewing my credit report from XXXX on XX/XX/24. To my surprise, I noticed a negative entry from XXXX XXXX XXXX indicating a missed payment. I was never notified of any outstanding balance, nor did I receive any billing statements or reminders from XXXX XXXX XXXX, which would have allowed me to address any legitimate debt promptly. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccuracies in my credit report and request an investigation into these matters. I firmly believe that this entry is a mistake, possibly due to a clerical error or miscommunication. I kindly request that you investigate this matter promptly and remove the inaccurate entry from my credit report. This error has unjustly affected my XXXX XXXX and could potentially hinder my financial opportunities. I expect a response within 30 days, as mandated by the FCRA. Please note that i have been unsuccessful with getting XXXX to resolve the matter. Please send me written confirmation of your receipt of this letter, the results of your investigation, and the subsequent actions taken to rectify this issue. If further information or documentation is required from my side, feel free to contact me at ( XXXX ) XXXX or XXXX. Thank you for your immediate attention to this important matter.
Company Response:
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I opened my Target Credit Card in or around XX/XX/, when I was given an initial credit limit of {$300.00}. Since then, I have requested a credit limit increase multiple times, always calling in and speaking to a customer service representative because there is no way to request a credit limit increase online or through any other channels. Each time I call, the representatives all say exactly the same thing : accounts are reviewed monthly for credit limit increases, and I must update my household income in my Target Credit Card profile. By updating my income, my account will be reviewed monthly for a credit limit increase. First of all, it is deceptive and unfair to tell me that I need to update the income in my profile to be considered for a credit limit increase ; how many times in a year would my income -- or any customer 's -- income change on a monthly basis? This is an unreasonable and unfair expectation to require cardholders to update their income every month if absolutely nothing changes with their income. Second, my account has been opened for nearly two years, and I was using my Target Credit Card quite a lot for the first year to yearn and a half, responsibly either paying off the balance in full each month, or making more than the required minimum payment, but always making my payments on-time and with no issues concerning my payments being returned. In nearly two years, not once have I received a credit limit increase, despite my updating my income as required and always making on-time payments that have cleared my bank without issues. Because Target Card Services/TD Bank has no actual policy on credit line increases ; there is no way to request a credit limit increase online, over the phone or by mail or email ; because my purchases are often well over the {$300.00} credit limit I have on this card ; and because I have several other credit cards that not only give me far more cardmember benefits and rewards ; because I have never once received a limit increase in nearly two years with this account ; and because there is no value-add or incentive for me to use my Target Card based on all these reasons, I discontinued using my Target Card. As a result, I received the attached letter, dated XXXX XXXX XXXX, which states that my account will be closed because my account has been inactive for an extended period of time. I ceased using my Target Card when they, themselves, are refusing to raise my credit limit -- and I get far superior benefits from my other credit cards, whose credit limits are approaching {$30000.00} each. It's unfair, deceptive and abusive for Target Card Services/TD Bank to tell me to " keep my income updated, '' and then I do so, I used the card frequently and paid my balances responsibly and on-time, and in two years I have not once had my limit increased beyond the original {$300.00}. I assert that Target Card Services/TD Bank does not actually have a credit limit increase system in place, and that their requirements to receive one are deceptive, unfair and abusive.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was looking at my most recent credit report and noticed Nordstrom/TD Bank reporing a charge off account. This is not accurate at all and I demand an immediate investigation and removal. This account they claim is charged off is showing a current balance. I want to see every document associated with this account including an original contract with my true signature.
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I received a fraud alert text message which I responded no to. I was then contacted by someone from a TD bank number according to my caller id and went through steps canceling my compromised card being instructed on how the funds were going to transferred for safety ( through XXXX XXXX ) and in XXXX separate transactions a total of {$1400.00} was taken from my account. ( {$700.00} and {$750.00} ) as this was happening I realized that this was an unusual way to correct the problem and when I stated it to the caller was promptly hung up on. I was admittedly distracted by a task I was doing and just following the instructions of the caller which I thought was from TD bank on a routine call. After they hung up, with in XXXX seconds contacted my bank to report the incident and a dispute was filed. This was on a Saturday. On Tuesday ( it was a holiday weekend ) I went directly to the bank, opened a new bank account, and was informed that TD would be monitoring the compromised account for XXXX days. Was informed that the scammers had accessed my bank account and changed my password That Wednesday my account was credited with a provisional credit. Approximately XXXX weeks later the provisional credit was rescinded and when I contacted the bank they informed me that they concluded there was no fraud because I authorized the transaction where my money was stolen. I then opened another dispute on the fraud and included proof of the text fraud alerts, the incoming calls from the scammer alleging they were calling from TD bank, the transactions that transferred the funds to XXXX separate XXXX XXXX accounts and the proof that those funds with immediately transferred out of XXXX XXXX to some unknown account. All of which I provided to the bank, both directly by physically giving them a copy and by faxing a copy of this information. Once again they denied my claim that this was fraud and rescinded the provisional credit. At this point I was so angry and frustrated I did not attempt to argue with the bank because clearly they were not in agreement with me that I had been the victim of a fraud scam. Last night on XXXX XXXX XXXX I watched a segment that highlighted a person that was scammed in the exact same way that I had been and reasserted my options, which said to file a dispute with you
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX, a friend of mine from XXXX XXXX XXXX, sent me XXXX by XXXX that he owed me for some XXXX. On XXXX XXXX I received the email below. - Hello XXXX, We've deactivated XXXX for use with XXXX because it can't be used to send or receive money. We apologize for any inconvenience this may cause you. We appreciate your business. Sincerely, TD Bank So that same day I called TD Bank Customer support. The person who took my call said that all she could tell me is that, I made a transaction which broke the terms of my agreement with XXXX, and it was for a XXXX. I asked for more details to identify the transaction, I specifically asked for the date, and if I was the sender or receiver (so I could narrow it down). She said she could not give me any further details. I also asked her which specific XXXX policy I had broken. She said she did not know and couldnt tell me. She said the only thing I could do was call XXXX directly because it was a XXXX decision and they are a Third Party service provider to TD Bank, AND, I could go to the TD branch and talk to a banker who could review my account and submit a request for the restriction to be removed. Ok, I called XXXX. They have an option to speak to someone regarding ONLY the XXXX XXXX, and when you go through the phone voice menu for problems with restrictions, they sent me back to my bank. So, I go to the TD Bank branch on the same day, located at XXXX XXXX XXXX XXXX. I sit down with XXXX XXXX (TD Bank Branch Banker). He reviews my account, and sees that my XXXX is restricted with no explanation. He says, (from his experience) this happens when there is a fraudulent transaction on XXXX. After reviewing my account and seeing no evidence of fraud, he submits a request to have the XXXX restriction removed. That same day he send me an email that my XXXX service has been restored. (below) XXXX Good afternoon XXXX, This is XXXX from TD Bank to let you know that your XXXX is back to normal. XXXX Regards, XXXX XXXX | Banking Associate | XXXX XXXX TD Bank, America's Most Convenient Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider the environment before printing this e-mail XXXX Great right! I actually didn't even check right away to see. Why would I? I did nothing wrong. But that night I tried to access XXXX to see, and it wasnt working. So I sent XXXX and email and followed up the next day. XXXX XXXX. A couple back and forth emails, him saying hes looking into it, then try again. XXXX XXXX email. (below) - Good morning XXXX, Unfortunately you won't be able to use XXXX anymore. The bank reserves the information for which they do not allow you to use the application anymore. So you will need to choose an alternative payment method. XXXX Regards, XXXX XXXX | Banking Associate | XXXX XXXX TD Bank, America's Most Convenient Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider the environment before printing this e-mail OK, now Im frustrated. I responded to him saying how can this happen without explanation? Never heard from him again. XXXX XXXX I call XXXX again, This time I started with XXXX XXXX support just to get a live person. They again told me that it was my banks decision and they couldnt give me any details, but they transferred me directly to TD Bank Digital Detection Dept. The first person I got on the phone says there is nothing I can do and I just cant use XXXX anymore using my personal email XXXX) or my cell phone number, or with any TD Bank account. And he suggested I use another service provider like XXXX or XXXX. I send, and receive a lot of money from my personal account using XXXX, and for my bank to arbitrarily cut me off from use without explanation and without any due process or process of investigation, I find ridiculous. So I told him that I wanted to speak to his supervisor. He put me on the phone with a polite lady, who tried to help me out. I pressed her on more details of the transaction in question because I still had no idea ( I have many XXXXXXXX transactions, sent and received). She told me it was the transaction I 1st referenced above, the receipt of XXXX from my XXXX friend. She told me that the account holder had disputed the XXXX transaction with his bank, which was XXXX XXXX. I immediately told her that this is a person that is a friend of mine and Ive played XXXX with him for over 10 years and its clearly a mistake because he would never dispute that transaction knowingly. So then I asked her what evidence she would need to get the restriction removed, her response was two part. First, she didnt know what documentation or evidence would be sufficient to prove that the dispute was erroneous. Secondly, she told me that since XXXX had already requested that the restriction be lifted, and that request had already been denied, that was my only chance to overturn the decision, and so she did not believe that the decision would ever be overturned. I was starting to get very upset. First, I explained to her that that cant be my only chance to overturn this ridiculous decision, because I was never given the information about the transaction in question to be able to understand, and provide any evidence to the contrary. Second, I asked her How can that be a fraudulent transaction when I didnt initiate a request through TDs XXXX platform for the money to be sent to me? Rather, my friend found me on XXXX knowing my cell phone, and sent the funds to me. I further explained that, without any system of due process, anyone who has someone elses first name and cell phone number could intentionally XXXX them money, and then call their bank and claim fraud just to block that persons access to XXXX. Thirdly, I explained that TD Bank needs to fight for me because I am TD Banks customer, and if I can provide indisputable evidence that the transaction was not fraudulent, then TD Bank must restore my access to XXXX service. Without her able to make any suggestions or recommendations as to what evidence I could provide to overturn this decision, I asked her if I could obtain a notarized letter from my friend stating that he had not disputed the transaction or that, if he had, that it was an error, then would that be enough? She said she didnt know, but I could try it, and if it was a notarized letter is better than a letter that wasnt notarized. She said you can try. Get the letter and bring it to the branch and have them upload it into our system, I cant guarantee that anything will work. OK, well at least now Im sure about the transaction in question and Im feeling slightly relieved that I know the person who sent me the money intended to send me the money and Im feeling confident that once I have this explanation letter in my hand that I will have my service with XXXX renewed, and I will eventually be a happy camper so I push forward and I call my friend and explain to him what was happening. His first reaction was that he had no idea because he never dispute the transaction. So I asked him for a notarized letter stating the same and fortunately the next day we play XXXX together so he could bring it with him. Agreed. Two minutes later he calls me back and he apologizes profusely because when he logged into the account, he could see that the transaction was disputed and he remembered that it was a joint account that opened with his XXXX when his XXXX was a XXXX. He called his XXXX and found out that his XXXX disputed the transaction because he didnt recognize my name and thought that it might have been one of his friends who is also named XXXX and so his XXXX called up XXXX and dispute the transaction. He immediately called his sXXXXn and had his XXXX called XXXX and removed the dispute. Then, he wrote a letter thoroughly explaining the nature of the error, with all the details, and clearly stating the dispute was an error and NOT fraudulent, had it notarized. At this point, Im thinking checkmate. Not only is it clear that the initial dispute claim by XXXX was made in error, but I have a notarized letter from the account holder stating that the transaction was legitimate and intentional. XXXX XXXX I get the notarized letter in my hands. And emailed to me. XXXX XXXX I go back to the branch. XXXX is not there. So I follow up with another TD Bank rep, XXXX XXXX. I explain absolutely everything that happened again and I forward him the letter. He reopens the case and uploads the letter. And then later that day calls me and says that my appeal has been denied again despite the letter, and that I should pursue XXXX XXXX, or XXXX, or some other service. Of course, he apologizes profusely because of the ridiculousness of the situation. I quickly call TD Bank again, blow past the first representative who claims nothing can be done, and Im transferred to XXXX who is a supervisor. I again explain everything that happened since the beginning I confirm with him that TDs Digital Detection department has received the letter, and I tell him that its unfair, unjust, and I want him to get that decision overturned, I explain to him the nature of my relationship with TD Bank including over XXXX of deposit accounts that are not bearing interest through all of my accounts and he acknowledges all of those things and says that hes going to do whatever he can to restore my access to XXXX and he will follow up with me either with a phone call or with a secure message. Please see below the secure message that I received on XXXX XXXX. XXXX Dear XXXX XXXX, Thank you for contacting us in regard to your XXXX with XXXX profile being restricted. I further escalated your concerns to our Digital Detection Team for further review and they have advised that you will need to choose an alternative payment method by which to send people monies. This could include other third-party services such as but not limited to: XXXX XXXX XXXX XXXX etc etc. If you have any further questions, please contact us via email or call XXXX to speak with a TD Bank On-Line Specialist, 24 hours a day, 7 days a week. Regards, XXXX TD Bank On-Line Resource Officer XXXX At this point, Im thinking to myself. Is there anything else I can do before initiating a class action lawsuit against TD Bank, XXXX and XXXX XXXX I reached out to a personal contact who works for TD Bank for a long time and explained everything to him. His email response below XXXX XXXX, We spoke with our operations team regarding your XXXX deactivation. They explained that XXXX initiated the fraud alert for the XXXX payment and they notified XXXX. You will need to reach out to XXXX and/or XXXX. Sincerely, XXXX XXXX I then called my friend and asked him to get a letter from XXXX stating that XXXX acknowledged that the transaction was not fraudulent. made several requests over the phone and in the branch and was promised many times that a letter would be sent to him directly as well as emails. So that we have something in writing confirming that XXXX had changed and withdrew the fraud claim. unfortunately, we never got those letters from XXXX. since late XXXX, I have not pushed very hard on this topic because I had more important things to do and I was waiting for these XXXX letters that never arrived for my friend. However, I started following up again early XXXX and on ThursdayXXXX XXXX XXXX XXXX I initiated a three-way call with XXXX claims department, and my friend whos account is at XXXX that we could verify the status of these letters that were supposedly coming to my friend and see if XXXX was able to resolve the problem for us based on the feedback I received from TD Bank (that only XXXX was able to undo the dispute and report to XXXX so that XXXX could restore my access to XXXX service. after another grueling hour and a half on this three-way call in which the XXXX representative promised a resolution, we were disappointed that the representative said that he cannot change the case, or the claim of fraud, because the case had already been closed, and the only ones that can restore my access to XXXX is TD Bank. Although this representative did not know, or could not verify that XXXX was in control of this process, and he could not edit the closed case, he said that he put notes on the XXXX claim number stating that the XXXX Client had verified that the transaction was not fraudulent. I asked him how XXXX would ever be able to retrieve that information if it was not transmitted by XXXX to XXXX because all these claim numbers that he was giving us were internal XXXX claim numbers? he said that he could not transmit any data to XXXX about this case or any other claim regarding this transaction and that I needed to go back to TD Bank again so that TD Bank could resolve the issue with XXXX. For the record, please find below the XXXX internal claim numbers. XXXX Original claim number, Closed, cannot be re-opened or edited XXXX Rep XXXX (refused to give an employee ID number, but said hes the only XXXX in the claims department, which should be good enough for me) Short inquiry claim number XXXX, a new claim number which documented our phone call. He also promised, yet another letter would go out in the US mail to his client, as well as an email to confirm acknowledgment that there was no fraud, but that XXXX refused to update XXXX records, or withdraw the original claim due to its erroneous nature. Summary XXXX has become an integral part of banking and a service offered to almost every banking customer across the majority of US banks as a benefit of the banking relationship. I have people who depend on me to send them payments by XXXX for monthly services. I have people who want to pay me by XXXX. It is part of my business and my personal life, Ive done enough research to know that a lot of banks are taking heat right now due to XXXX related transactions that are fraudulent where the banks are not able to undo transactions for their customers when the customers believe there is fraud, and I understand that banks must err on the side of caution. However, to deny banking customers access to XXXX service with no evidence, and only an accusation of fraud, and to accuse that customer (me) of breaking the terms of my service agreement, with XXXX, is 100% wrong. Furthermore, with no transparency or clear process to undo simple errors is unfair to consumers like me who have done nothing wrong. To continue the farce in light of indisputable evidence that the transaction was not fraudulent, and a retraction of the dispute by the person who made the dispute in the first place, is completely absurd. Not only has my XXXX service been denied with TD Bank, but now across all banks. I cannot use XXXX with my name, cell phone, and personal email with ANY bank, which is why I believe that it is not only a TD Bank or XXXX XXXX issue, but a more centralized issue with XXXX and XXXX which we all know are owned by the big banks. As I said, before, if this is the XXXX XXXX, it means that anyone with your cell phone number and or email address associated with your account, and your name could send you XXXX dollar by XXXX, dispute the transaction, and thereby, either fraudulently and tortuously, or erroneously, have your XXXX service removed, and not only with your bank, but with all banks who know your email address and cell phone number, forever! And worst of all, with no due process or resolution process whatsoever. I have proven that there is no fraud, I have proven that there was no intent of fraud, I have proven that I have not violated any of the XXXX policy or terms of service, and yet I am being denied service that millions of Americans have access to because my bank will not fight for me. now when people ask to XXXX me money, or if I can sell them money I have to say no I cant because I am denied access from XXXX due to fraud, and the XXXX XXXX is assumed to be on me. It is unfair to deny consumer services offered to millions with no due process. the banks point the finger at each other and XXXX however, they are the owners of XXXX and XXXX. This is clearly intentional so they can deny any direct wrongdoing and pass the buck and avoid direct liability, which is why I think the CFPB should hold the banks accountable for the actions of XXXX and XXXX, And force banks to have a transparent dispute resolution process that protects consumers against denial of service based only on accusations. Thank you, XXXX XXXX
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Friday, XX/XX/XXXX a woman by the name of XXXX XXXX stated on XXXX ( XXXX XXXX ) that they were selling tickets for the XXXX game. I inquired and she showed me verified tickets. I sent her half of the money ( {$180.00} ) via TD Bank XXXX to ensure it was legit. She never sent the tickets but then requested more money. I then called my bank TD Bank to report a scam. They filed the claim. Today, XX/XX/XXXX they inform me that my claim was denied and that I need to contact the person again to request a refund. I have no way to reach this person as they blocked me.
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was in the hospital for a couple of months. I had a late fee and interest placed on my Target credit card. As soon as I was released and able to open my mail due to being very ill, I called the credit card company. I explained to them what had happened. They refused to waive the charges. I closed the account. I had no outstanding balance as I paid everything I owed except for the late fee and interest charges. They said they could not do anything since I had 2 other late fees that had been waived earlier in the year. I do not use or have any other credit cards and that was my fault as I did overlook the payments on accident. Now the fees on this card keep piling up and adding to only late fees. The credit card company refuses to removed these charges and this will have a huge impact on my credit score. The fees are due to not being home to get mail while i was in the hospital. Can you please help me with getting these late fees that are adding up removed. Thank you so much. XXXX XXXX
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am writing to file a formal complaint against TD Retail concerning the unjust closure of my account, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe my rights as a consumer have been violated, and I request your assistance in resolving this matter. On [ date ], I discovered that TD Retail had closed my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) without any prior notification or explanation. To make matters worse, it has come to my attention that a Red Card by Target account has been left on my credit profile, further highlighting the discrepancies and potential fraudulent activities by TD Retail. I hereby request the following actions be taken within 10 days : Reopen XXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately. Provide a formal written apology for the unjust closure of my account and the resulting inconvenience. Rectify the misrepresentation on my credit profile by removing any negative impact caused by the closure of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am seeking {$5000.00} in damages for every day the Red Card account remains closed, as it constitutes further financial harm and inconvenience. I believe the actions of TD Retail are not only unethical but also damaging to my financial well-being. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take appropriate action to ensure consumer rights are protected. Please find attached any relevant documentation supporting my complaint, including account statements and credit reports. Thank you for your prompt attention to this matter, and I look forward to a swift resolution.
Company Response:
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A