Date Received: 2019-12-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have a target card. Problem 1 : After 2 months of having the account with target. I INFORMED THE TEAM MEMBER THAT I DONT GET MY MAIL ON TIME AND I HAVE A BUSY LIFE INPAY EVER BILL ON THE XXXX .... ID LIKE TO PAY EVERY MONTH ON THE XXXX AND WANTED TO KNOW IF IT WOULD BE CONSIDERED LATE. SHE SAID NO I WOULD BE FINE. Moving forward. I paid every month on the XXXX ... then in would see late fees. I would call in and tell them what I was told they would just waive the fee.. AT NO POINT DID ANOTHER TEAM MEMBER TELL ME NO YOU CANT PAY IT EVERY MONTH ON THE XXXX ITS LATE. OR YOU CAN CHANGE THE DUE DATE NOT UNTILL I SPOKE TO THE SUPERVISOR ON THE XXXX OF XXXX SHE REVIWED .. AND INFORMED ME I HAVE LIKE 4 LATES THIS UPSETS ME WHAT WAS SO HARD ABOUT TELLING ME I in good faith paid my bill on the XXXX of every month ... I pay all my credit cards on that day. Not one person made it clear I wasnt doing it right untill recent. Problem 2 : A few months ago I had a prepaid card that I got my work pay check on. I used the prepay card to make 4 credit card payments. I had the funds in the account. The payments begin to be sent back. Because the prepaid card had a policy that you can use it as a point of sale but not to make payments. This was a simple mistake. I called target BEFORE the payment was sent back. BEFORE.. I ASKED WHAT I CAN DO .. I DONT WANT A RETUNED PAYMENT OR PENALTY.. THEY SAID JUST WAIT ... NOW EVERY MONTH WHEN I PAY MY CASH PAYMENT I NEED TO WAIT ALMOST 2 WEEKS TO RECEIVE THE AVAILABLE CREDIT. IM BEING PUNISHED FOR A ONE TIME ISSUE .. THAT I TRIED TO RESOLVE BEFORE IT BECAME AN ISSUE.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/27 I filed a claim with td bank for unauthorized charges FOR XXXX. And it was deny Over 5k in charges! back to back to back big amount. How can td allowed that! I never heard of this recipients in my life. More then 1 device was logged on to my online banking. My phone number was change My email was change Different ip address where signed in to my account. I couldnt even log in to my OWN ONLINE BANKING, because they send the security code to the hackers number! Td close my checking and told me to open another one, and still deny my claims? Police report XXXX claims, I really need my hard working money back, this is unexplainable, please help.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2019-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Dear CFPB, I contacted TD Bank XXXX XXXX XX/XX/XXXX asking for the copy of a XXXX lien in the husband 's name only and its termination which was disclosed in XXXX by XXXX XXXX XXXX lien search for the bank and said to have needed to be satisfied in advance of closing my mortgage in XXXX. There is no UCC3 for this lien in XXXX.Mr XXXX sent some documents but he did not send any pertaining to the lien. TD Bank holds my mortgage taken out in XXXX. I have a terminating alimony and will need to sell my apartment within two years. If I do not have documentation that the lien is terminated, I will not be able to sell my apartment but I will also not be able to afford to continue to pay the mortgage to TD Bank, making my situation untenable. It is essential that the bank provide all documents to me concerning this lien in the husband 's name only. I have requested them several times and the bank has failed to send them. I am divorced, XXXX years old and the bank is putting me in an economically vulnerable situation by withholding my documents. XXXX XXXX
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2019-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
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 XXXX XXXX, XXXX I filed a dispute about a charge I did not make on my TD Bank credit card. The charge was by XXXX XXXX XXXX on XX/XX/XXXX for {$65.00}. I also attempted to contact XXXX XXXX XXXX at the phone number that appeared besides the charge XXXX but it said the number was not in service. So I looked up XXXX XXXX XXXXXXXX online and could not find a local place to call. Instead I noticed there were numerous complaints filed on the XXXX XXXX XXXX website. On XX/XX/XXXX the bank wrote to me asking for either " a copy of the credit receipt '' or " written documentation stating that the disputed transaction is to be credited to my account. '' I had just returned from a vacation and I did not open this mail until XX/XX/XXXX and tried to call but the dispute department was closed for the weekend. Over the weekend I attempted to send a fax 2 times, but there was " no answer. '' So I called first thing in the morning on Monday, XX/XX/XXXX and spoke to a " XXXX '' to ask " How could I provide these things when I had no idea how to contact the vendor? '' I told her I could send a letter stating that I did not make or authorize the charge. I tried to fax the letter 4 more times to 2 different numbers XXXX provided, but the faxes would not go through. I also went to a local XXXX bank and asked them to fax for me. They told me it did say " Fax sent '' on their computer, but they could not provide me with a printed receipt ( since it was all electronic ) but they showed it to me onscreen. Plus ( as a backup ) I mailed the letter on XX/XX/XXXX, and asked to speak to a supervisor to make sure it would be accepted. XXXX told me a supervisor would get back to me. Later that day I called and reached XXXX to tell her I had not heard from the supervisor. She said to be patient. When no one called me after 24 hours, I called back and spoke to " XXXX '' on XX/XX/XXXX. I asked if TD received my fax and she said faxes take 24 hours to process. When I told her it had already been 24 hours, she said it was not in my file. I told her I was supposed to get a call back from a supervisor, but no one called me. She said the supervisors were very busy, but she was noting my file and someone would call me. I waited patiently day after day for over a week and not one supervisor called me or confirmed receipt of my letter via fax or mail. Instead, today I received a letter written on XX/XX/XXXX saying that " We have attempted to contact you by phone and in writing to obtain necessary info ... and since we have not received a response ... we are closing our file regarding this matter. ''
Company Response:
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2019-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had stolen my identity and someone had stolen my caredit card and used it
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I logged into my XXXX XXXX to check my credit. I saw that TD Bank offered a line of credit to consolidate high interest credit cards. I began the process got most of the way through then I made a phone call and found out the loan was not being serviced by TD Bank but instead the loan was being serviced by a debt consolidation bank called XXXX. I called and reached the manager XXXX XXXX, we spoke about my loan application, I requested that he cancel the loan application because I refused to do business with XXXX XXXX due to their low customer service rating. He assured me my credit did not receive a hard inquiry because I did not continue on through the loan process. He also assured me if my credit did have a hard inquiry he would remove it. My whole concern revolved around the fact that TD Bank was the only institution showing on any of the loan applications. I called TD Bank to complain about the bait and switch using TD Loan 's logos and software but no where does it state that a 3rd party would service the loan. Here is the copy of my email to XXXX XXXX a manager at XXXX XXXX ; Fri, XX/XX/XXXX, XXXX XXXX to XXXX Thank you Mr. XXXX for taking my call today, I know you are a very busy man. With today 's financial climate, online security risks and identity theft, I felt obligated to reach out and convey my distress and concerns regarding the financial documents that were faxed to ( XXXX ) XXXX. No where in the loan application processed did I read that XXXX would be servicing the loan, or that XXXX would be in receipt of my financial documents. I canceled my loan application today because I do not wish to do business with a third party. I chose to do business with TD Bank not XXXX XXXX XXXX. There were two things I hoped to clarify with you today. 1 - no hard inquiry by TD Bank or XXXX will appear on my credit report. 2 - no denial of credit by TD Bank or XXXX XXXX will appear on my credit report. If those items do appear on my credit report please be assured it will not be taken lightly. Thank you for taking the time to listen to my concerns. Thank you for assuring me that a hard credit inquiry was not submitted on my credit file, and that credit was not denied to me by either XXXX XXXX XXXX or TD Bank. Happy XXXX. It was a pleasure talking to you. Best Regards Shortly after that email I received another email stating that I was denied credit and that my credit has been pulled, even though I had just spoken with the manager, and he pulled my account to see the status. I cancelled the application with him over the phone prior to completion. I then sent a follow up email to Mr. XXXX and a copy to the Attorney General of North Carolina. XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX , XXXX XXXX ( 23 hours ago ) to XXXX Good Afternoon Mr. XXXX. We spoke on XX/XX/XXXX regarding a loan application that I cancelled. Please remove the hard inquiry that has appeared on my credit report. I also received notice of another loan application in my name from XXXX XXXX. I did not apply for any other loans after our conversation. I will be reporting that as fraud. Attached is the screen shot of my credit report. When we spoke you assured me a hard inquiry had not been performed by TD Bank. Thank you for your assistance. I will be following up with all of this to the Attorney General 's fraud department in North Carolina next week. Thank you. Sincerely XXXX RE : XXXX Client XXXX He responded back to me yesterday ; XXXX XXXX XX/XX/2019, XXXX XXXX ( 21 hours ago ) to me Ms. XXXX I have received your emails. I am currently working with our team to resolve your concerns. I will update you once I have a resolution. Thank you! XXXX XXXX Then TD Bank sent me a nasty little email that saying, " You agreed we could run your credit when you clicked on our application link. ( Lie ) You don't have your credit pulled until you submit your proof of income, and receive the interest rate you qualify for, which never happened, and agree to take the loan, which I did not. I want the hard inquiry removed and the denial of credit removed from my credit report. It should not bare the responsibility to deal with a company that I refused to do business with because they gained my business under false pretense. Today I went back online to see if TD Bank was still offering personal loans though XXXX XXXX, they are not. Mr. XXXX agreed that the offer did not disclose the 3rd party arrangement. No where in the loan application process did it ever reveal XXXX would serviec the loan, only TD Bank. When you call the phone number listed on the application XXXX answers as TD Bank. Bait and switch. The only way I found out about the arrangement was by calling the TD Bank in XXXX SC. I asked for a senior loan officer. We started talking about the different loans available. I told her what I was going through, she revealed it was XXXX XXXX and suggested that I come down and go through the loan process at TD Bank. No thanks. I am angry at myself, but I am ore angry with TD Bank for putting me through this. Terrible customer service and deception. That's why I am staying put with my local home town bank. Oh and to make matters worse, some Bank called XXXX XXXX sent me a loan denial. I've never heard of them, nor have I filled out any kind of loan application. So now I have to freeze all my credit files. Thanks TD Bank.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had to file a previous complaint in order to even get XXXX to contact me. Once they finally contacted me I negotiated a settlement of debt. They have reported to the credit bureas that I made a payment and not that the debt has been settled. They are still reporting that a balance is due.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My Target Red Card statement ( through TD Bank ) became available on XX/XX/2019. I paid my bill in full on Thursday, XX/XX/2019 in the amount of {$620.00}. On Friday, XX/XX/2019 the funds were pulled from my checking account. On Saturday, XX/XX/XXXX, I attempt to use my Red Card to make a purchase and my card was declined. That is when I discovered that my available credit had not changed, even though I had paid my bill approximately 8 days before. On Wednesday, XX/XX/XXXX, I log into my Red Card, and see that my available credit still has not changed. I call the 1-800 number, and the first person I talk to claims that the reason my payment has not been applied is because the money has not been withdrawn from my checking account, that it is still pending. I tell him that is not the case, the money had already been withdrawn. He then says its because theyre waiting for confirmation from my bank to make sure my payment isnt fraudulent. I have made numerous payments on my card, all from my same checking account, and there has been no issue. I asked to speak with a manager at that point since the story kept changing. When speaking with a manager, he told me that the information I was told originally was incorrect, and that it can just take several weeks to process a payment. I ask why it takes that long, the money has been out of my account for 12 days at this point, and I am unable to use my Red Card until my payment goes through because I have no available credit. The whole purpose of getting the Red Card is to save 5 % on my purchases, so at this point it is not doing me any good. He offers to keep me on the line while we call my bank so that they can confirm the payment has cleared my account and he can adjust my credit. I tell him I am uncomfortable with that, because if we do that I need to confirm lots of information, including a security code that only my bank has. He says that is my only option, otherwise I just need to keep waiting. I asked several times where the money is while its in limbo and he said he has no idea.
Company Response:
State: MN
Zip: 55904
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened a new TD Bank Cash Credit Card last XX/XX/2019 after receiving a pre-approved offer. I have excellent credit and have been receiving multiple credit card offers, but my main consideration was a 0 % introductory APR for purchases. I researched my credit cards well, and I know what I signed for. Lo and behold, I scrutinized my latest account statement ( as of XX/XX/2019 ) and found that I was being charged interest for my purchases from Day 1. I then called up TD Bank Credit Card Services, and now they're telling me that 0 % introductory APR was for balance transfers, and not for purchases. I was in front of the computer while speaking to the customer service representative and found that the card has 0 % introductory APR on purchases. Source : www.td.com/us/en/personal-banking/credit-cards/cash-card/ The customer representative said that this promo does not apply to me since I applied in XX/XX/2019, and that promo is for XX/XX/2019. This customer representative 's statement infuriated me because I know what I signed for. I signed for a zero percent introductory APR for purchases, otherwise I would have opted for another card. I really felt defrauded, but my fault is that I could not find the credit card disclosure statement in my documents. I can not recall if I ever received one. I am aware that 12 CFR Part 1026 ( Regulation Z ) XXXX requires banks to post credit card agreements on the internet. I searched the customer-facing website for cardholders ( www.tdcardservices.com ) and could not find the disclosure/ agreement that I need. I did a XXXX search instead, and found a disclosure statement, but the date is XX/XX/2019. I believe that as a matter of banking transparency, TD bank should : ( 1 ) make ALL credit card agreements available, including an archive of previous ones ( 2 ) make such agreements readily available in the customer website. I should not need to use XXXX to find the agreement, and ( 3 ) customer website should reflect front and center if there are interest rates being levied on the account. The Chase mobile app has this, and I have no complaints. ( 4 ) stand by their 0 % introductory APR offer.
Company Response:
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2019-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A