Date Received: 2019-12-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Bank USA/ Target Cred # XXXX is reporting an account to my credit that is past the Statute of Limitations in Utah XXXX I no longer legally owe this debt and I need it removed off of my credit report.
Company Response:
State: UT
Zip: 84044
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2019, I logged into my Target RedCard credit card account in an effort to make a valid payment agreement to start paying back a balance that I had with them. The repayment plan offer was made to me for a 48 month repayment plan at $ XXXX/m, which I ended up agreeing to. The payment required a payment to be made the same day, which I did make. I was under the clear impression that this payment plan would keep in good standing and that my minimum payments would be changed to $ XXXX/m because all of the information provided to me indicated that I am not required to pay anything extra. I logged into my account in XXXX of 2019 just to make sure that everything was all set and to my surprise, the account was still indicating I did NOT have a payment plan in place. I made a call to the company the same day and they assured me that everything was all set and that my account, statement and credit would be updated within 2 billing periods. I trusted that was the case and left everything as is. I checked my credit report a month later and the account was now showing 120 days past due and not the 90 days that it was before. Confused as to how I could be MORE behind now ( after giving them 2 payments ) I called them again. When I questioned this, a customer service rep did not seem to have an answer and after she placed me on hold to talk to a manager, she came back on and indicated that the credit report would not be updated unless I paid my minimum payment which was different than the payment agreement. I was very confused, so I asked why I was not told this when 1 ) When the payment agreement offer was made to me 2 ) When I called last time. She advised me she was not sure. I told her that I would review the documents that I had and call back. My last call to Target RedCard was on XX/XX/2019 ( 3rd call in total ) around XXXX. I advised the customer service rep that I feel that I was misled and that no one can seem to provide me the reason why it was not made clear to me that my credit report would not be updated. She apologized and said she would escalate the call to manager and someone would call me back within 24 hrs around the same time. When I asked to speak with a manager I was advised that managers do not take calls but rather " return calls ''. I have yet to receive a call back. A couple of things that I feel are very inappropriate and hurt me as a consumer 1 ) The payment agreement terms that were provided clearly indicate that I am NOT required to make any larger payments than the XXXX that was agreed upon. No where on the payment terms does it indicate that this will not satisfy the " minimum payment requirements '' and that they will continue to report me to the credit as " late '' 2 ) Had I been told by the original customer service rep or the payment terms letter or my statement that I HAD to " catch up the account '' in order to avoid further negative credit reporting, I would have and could have made the effort to do so. By NOT being clear, they have caused me to be mislead about their intention therefore causing further damage to my credit report. Had I been made aware of the FULL terms of the agreement and what I was getting myself into, I would not be as upset over this. But there was a clear issue and none of the customer service agents were able to address it properly. 3 ) The simple fact that they clearly indicate on the payment terms paper and on the statement themselves that " you are not required to pay anything more than '' is very confusing. By failing to disclose that they are going to continue to report the account as past due even if you are on a " payment plan '' they are clearly attempting to avoid the consumer changing their minds and breaking the payment plan as there is no clear incentive to pay. I believe advising a consumer that they do NOT have to pay anything extra but still indicating a different " minimum payment '' is not proper. It creates confusion and can be misleading. I believe that the way this was handled was deceptive, misleading and has hurt me immensely. My credit report is not showing this account as being 120 days late for the past 4 months ( regardless of my efforts and payments ). I do not believe that this is fair to anyone. I have attached the Payment Terms Agreement that was provided and a copy of the XXXX Statement.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2019-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened my account with TD Bank on XX/XX/XXXX because TD advertised a {$300.00} bonus to be paid within 95 days of opening if there were a minimum of XXXX in direct deposits. I direct deposited well over XXXX, and it was 95 days from the opening date on XX/XX/XXXX. I haven't received the {$300.00} bonus. I contacted TD via their online messaging center and asked where is the bonus. " XXXX XXXX '' answered that it can take up to 145 days. This is ridiculous. TD advertised that the bonus would be paid within 95 days and it should have been paid within 95 days.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a TD account under a promotion for {$300.00} for {$2500.00} in direct deposits. I somehow clicked the submit button twice, and accidentally opened two accounts. I messaged the bank to say " hey, I accidentally opened two accounts, can I only have one account ''. My online banking stopped working after that. I called the bank, and they placed a fraud review on the account ( without messaging me or informing me ). The account is being closed against my will - but they still accepted my direct deposits. Apparently, I can only get said money by going in branch or by sending a notarized letter. I am in XXXX XXXX in XXXX, but my permanent address is in XXXX. The nearest branch is 1000+ miles away. So I met the terms of the promotion ( my $ XXXX/month of direct deposits did get deposited ), and they should have paid out {$300.00}, but instead, TD is just holding {$3300.00} of my money and closing the account.
Company Response:
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2019-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with TD XXXX XXXX in the past. Back on XX/XX/2019, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested and they did not even remark the account as disputed. They simply ignored my reques. This is a violation to the FCRA because they are reporting incomplete information. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. I demand a deletion letter from this company so this incorrect information gets removed from the three major credit bureaus. Account is the following : 1 ) XXXX XXXX XXXX. Date Opened XXXX XXXX, XXXX Credit Limit {$5700.00}. Status : Closed. Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. Attached : Letter sent to TD XXXX XXXX on XX/XX/2019 and FTC Report.
Company Response:
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2019-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened an account with TD Bank somewhere around XXXX. Because there were irregularities with how the bank opened/managed my financial information, and utilized my funds, I decided to close the account. The closure status date was XX/XX/2015. TD Bank agreed to a settlement after lawsuit involving clients who incurred overdraft fees. See TD Bank Overdraft Litigation { https : //www.tdbankoverdraftclassaction.com } I was added as a participant in a class-action lawsuit, under the class member status of Financial Regulation E and XXXX XXXX XXXX. Essentially, this class involves clients who were charged high-interest rates and had issues with debit card/financial transactions. Each class represents a different claim or situation with TD Bank. My account XXXX incurred overdraft fees and sustained overdraft fees during the beginning of XXXX While I contacted TD Bank for a copy of my statements, I have been denied access to these documents. I have been told to go to the nearest branch, but when I requested these documents at a branch ( XXXX MA ), I was told that they do not have access to these documents. The account was reported to debt collection agencies for a charge-off amount of {$430.00}. Some of these debt collection agencies no longer exist, and I don't know how my financial information was sold or used. The account was closed, after I deposited a check at TD Bank on XXXX XXXX XXXX, XXXX, MA XXXX during the early months of XXXX. The ATM machine swallowed my check, and I was unable to deposit money into the account. While I freaked out that my deposit check was stolen by the ATM machine, the staff told me that there was nothing they could do, and was asked to leave the setting. This made me overdraft my account, because I was unable to fix a negative balance. I was frustrated that I was charged overdrafts after the ATM swallowed my check, and the staff refused to help me. Further, having no funds, I was unable to fulfill pending charges and my account was reported to XXXX for : Overdrafts, Account Abuse.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2018 a fraudulent inquiry was made to my XXXX report by TD Auto finance. I have attempted to reach this company by phone and not been successful. I have been the victim of identity theft and XXXX has instructed me to reach out to each company, on my own to resolve this myself. I'm attaching my related police report I have made for identity theft.
Company Response:
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: During TD Bank 's botched system upgrade which made the news : XXXX : XXXX I was unable to access any of my accounts for 3 months due to technical problems that had to be fixed by TD Bank 's IT department. This was resolved in a phone call. This is fine because I had automatic payments set up to always pay $ XXXX/month. But as you can see, the payments were not being applied to statements and late fees were assessed before 30 days after the last payment. This issue was fixed later. I spoke to customer support multiple times about this and they refused to provide any assistance despite this being their fault completely.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Customer support Ticket ID # XXXX TD Bank is refusing to close an account with {$0.00} in it. I have asked customer support to do this multiple times and they will not, despite it being marked clearly on their website that you can close a {$0.00} account : https : //tdbank.intelliresponse.com/? & requestType=NormalRequest & source=4 & id=1413 & question=How % 20do % 20I % 20close % 20my % 20account ( s )? Not closing the account will result in fees assessed by the bank, so closing it immediately is important.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I found a fraudulent credit inquiry in my XXXX credit report. The inquiry was made on : XX/XX/XXXX By : TD RETAIL CARD SERVICES XXXX XXXX XXXX XXXX, NJ XXXX I have not applied for any credit since XX/XX/XXXX when I applied for a Visa from XXXX XXXX XXXX XXXX I did change address on XX/XX/XXXX, and the information for lease approval may have been fraudulently used to make a credit application.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A