Date Received: 2019-10-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I contacted the company, I reported to police department, sent in police report with report number, call credit bureaus and the credit bureaus continue to report it on my report. I received a letter from XXXX credit company stating they could not put a a block on my report. The account was fraud and I would like for someone to assist me with this. My information was stolen along with banking information. I mailed copies of all necessary paperwork to all bureaus. XXXX XXXX and Northstrom accounts were open.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Multiple times I would keep getting a " technical difficulties '' message and could hardly work around their site. As a result, I was not allowed to make payments ( in addition to my auto-enrolled payments ) for weeks at a time. This impacts me in that I should have had lower principal being impacted by interest. By now it's a couple hundred dollars that I am behind due to their site issues. It is a complete joke to have a website and have it have no capabilities. Additionally, their website is so poorly laid-out and managed that you will have no idea what your payments are and how they are being applied ( principal vs interest ). They have a secure message option on the website, but they are incapable of responding via email through this option - you will only receive auto-replies that include symbols making it appear as if this whole thing is a scam ( still not convinced it isn't at this point ). These auto-replies are only capable of saying TD Auto can not respond via email and you must call them ... which is a waste of time, unless you enjoy sitting on the phone for an hour to remedy absolutely nothing.
Company Response:
State: MN
Zip: 55129
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, Target Bank is reporting on my credit report incorrectly. I submitted this account to a Debt collection company XXXX XXXX XXXX in XX/XX/2018. I was told that when I start the program, Target would re-age my account. I have been paying the agreed amount every since it was signed off on by Target. They have not done so,
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Obtained credit under XXXX FInancing for Unlimited Upgrades for mobile equipment. Ordered equipment through XXXX XXXX ( XXXX ) # XXXX a XXXX XXXX on XXXX XXXX. Was on back order. Shipped XX/XX/18 and arrived XX/XX/18. Purchased device under XXXX UNLIMITED UPGRADE ( UPGRADE EVERY 12 MONTHS NO QUESTIONS ASKED, ACCOUNT IN GOOD STANDING, HANDSET IN GOOD STANDING, ETC ) which REQUIRES one to use their XXXX FINANCING. I considered returning it when it arrived. Requested return shipping label. Decided to keep device, and did not return it. Account is in good standing, meets criteria for upgrading, and even received an upgrade email from XXXX telling me it was eligible for upgrade. I have attempted to upgrade the device from XXXX order under the UNLIMITED FINANCING TERMS AND CONDITIONS but since the returm was initiated and never completed, the order department is incapable of fulfilling the request " due to software issues. '' Specifically, their system ' can not fulfil the request because a return was initiated but you kept phone and even though you fulfilled the terms of the program and received an upgrade letter, we can not upgrade you because the system is not programmed /capable of addressing this. '' This is downright sales and credit fraud. Please address this. I can only use XXXX and have called 4 times and spent over 1.25 hours today on the phone trying to get a resolution, but they are unable to help, and I am stuck with a phone that I expected to be able to upgrade using their financing program. There is an incident # XXXX. Please help.
Company Response:
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: RE : Target Corporation " Red Card '' In anticipation of a service/store charge, I have made extra payment of {$3000.00} on XX/XX/2019 on my credit card. XXXX XXXX paid Target and release those funds thru ACH on XX/XX/2019. On XX/XX/2019, I received a notice ( text and email, as my alert is on for these situations on my card ) that I have exceeded my credit limit. I checked my balances both previous statements and current balances to understand what happened. I called Target customer service to check why my {$3000.00} was not being applied when my bank already paid them. They said they are putting a hold on that payment for 14 days to make sure that there's no issue with the payment with my bank. My option to get it released right away is to do a 3-way conference call with XXXX XXXX. This was a shock to me as I have to login to my account on the phone and then have Target listen in all of the verification to get to a XXXX banker. I had to do this twice as I was not comfortable the 1st time as I felt this was highly unusual. Anyway, after my 2nd call with XXXX, with all security verifications and with Target agent on the line, XXXX confirmed the ACH payment. Target then released the hold on the {$3000.00} payment. I do not agree with this practice of Target putting a 14 day hold on a payment that's been received already. It also puts me in bad credit situation because it shows I went over my credit limit as well and continue to be charged interest on the amount already paid. I think this is a very bad practice by Target and exposes me, the customer, to more fraud because of this unusual 3way conference call. I now have to figure out how to pay down this credit card without my funds being put on hold.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have received multiple phone calls and letters from an attorneys office that reports that they are acting on behalf of TD Auto Finance. The letter from TD Auto Finance/XXXX XXXX XXXX is very threatening and intimidating as they are stating Under Georgia Law I must pay this debt within a certain amount of days and will be responsible for attorney fees and interest if not paid. This has caused a tremendous amount of stress to my ongoing health and have no knowledge of this debt.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am being sued by td bank ( target ) ... never got papers or anything knowing I could dispute this! Know nothing about this!!!
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
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 2019 I became aware that an account was opened under my name based on doing a credit report. On XXXX XXXX 2019 I called the company Nordstrom in regards to this issue and the representative informed me that I needed to write a letter in my handwriting stating that I did not opened the account and how I became aware of it and to also include a copy of my drivers license. On XXXX,2019 I sent the letter. On XXXX XXXX,2019 I finally received a response stating that they " determined that the information provided does not support your claim of fraud '' and that it would 'continue ti report the credit bureaus. I do not understand how they do not consider it fraud. I have lived at this home address for more than 15 years. I know for a fact who ever made the account did not put my current address because I never received a bill or the actual card. Whoever address they have on file is the first step to get in contact who stole my identity. Nordstrom response made me feel like i am the criminal when in fact I am a victim of identity theft!
Company Response:
State: TX
Zip: 76053
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: One month ago, my account was overdrawn, ( we did not know because an automatic payment came out at XXXX and our direct deposit went in around XXXX ... Spoke to customer service being that it was out first overdraft we received our money back, set up a plan to have the money come directly out of our savings for XXXX dollars if this were to happen again, I was suppose to receive paperwork to sign and send back. Never received. Going forward our account over drafted again and with in 24 hours the money was transferred out our from out savings. Tried to get the XXXX dollars back did not work. So I asked how much I needed to transfer for this not to happen in another 24 hours I did as he said, and still received another XXXX dollar fee. That it XXXX dollars ( a lot to parents who live paycheck to paycheck ) I understand there are fees, but sometimes it's not ways the customers fault. Some companies debit the wrong amount tales says to be refunded, that is also what happened with our account. We are looking for XXXX in return.
Company Response:
State: RI
Zip: 02914
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-29
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Today ( XX/XX/2019 ), tried to withdraw XXXX XXXX from the ATM at TD Bank ( XXXX, NJ ) at XXXX. The ATM broke down while dispensing the cash. When contacted TD Bank, the representative said that TD bank was not responsible and keeps no record of transactions that happen at the ATM because they are only a middleman. If anything, the withdrawer would have to have the card issuer ( in this case, XXXX XXXX XXXX ), file a complaint against TD Bank. However, from XXXX XXXX XXXX XXXX perspective, the cash has already been withdrawn. The two banks are blaming each other and in the meanwhile, this sum of money has evaporated. I believe TD Bank owes me this sum and should be held responsible.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2019-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A