Date Received: 2019-08-02
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: The entire {$1000.00} balance of my Target Credit card was used fraudulently and after three months I had to call in for two months straight and keep re-explaining the situation before the investigation began. All the while they continued to charge payments and fees and report negatively to the bureaus. After two months I finally reach an investigator who flat out denies the entire claim with no reason at all and tells me I should request a different investigator because he did not want to deal with it. So I did and sent even more supporting documentation in- this no totaling : 2 police reports, FTC report, Statement of what occurred and more supporting documentation than I am sure most do. I also explained how the claim was not being taken seriously and how I have received ZERO communication, etc.. Finally, after another month of calling I get put through to the new " investigators '' voicemail where I asked her to please seriously address our concerns and let me know what I needed to provide her to prove our claim. A week later she leaves me a voicemail at XXXX on a weeknight stating that although they understand the claims are fraudulent they are standing by the denial, and I am responsible for all fees incurred and the fraudulent charges. That was over a week ago now- she also provided a phony return phone number on her voicemail, however I was able to get her real one and have left her 5 voicemails since with no response, no letter, no nothing. I believe my complaint is best summed up in the last letter I sent to Target TWICE, that they continue to ignore : " URGENT. TO WHOM IT MAY CONCERN - TARGET FRAUD DEPT. OK guys, we have a huge problem here. Let me start by saying I know my rights and how you guys have gone about handling my fraud case, from day one, has been completely illegal under the Fair Credit and the Consumer Financial Protection Bureaus policies. From sending me to collections after I submitted a fraud claim in writing by certified mail, to taking well over two billing cycles to even address the matter, continuing to report negatively to the bureaus and charge me fees and try to force me to make payments, to me receiving ZERO documentation as to the outcome or status of my claim, the way your fraud department speaks to victims.. I could go on.. but I am sure you are well aware ... It is all completely illegal and I will not allow you to continue to destroy my credit and my financial well-being. I am a well-documented victim of identity theft, theft and fraud and have supplied all of the necessary paperwork OVER FIVE TIMES, including two police reports, a federal trade commission report, a clear and concise explanation of what and how it happened, and complied with the excessive amount of personal information requested even though you guys allowed all of your customers information to get stolen before, of which I was also a victim of. After three months of attempting, I finally get through to an investigator who flat out states that he understands that these charges were to theft but that he was denying my claim due to lack of evidence. I provided more evidence than I am sure most do in fraud claims, furthermore not only was my target credit stolen, but my XXXX, XXXX XXXX XXXX XXXX, Etc.. and ALL those claims were investigated and found to be valid. I asked the investigator WHAT I needed to provide him with to ensure he had the satisfactory amount of evidence he desired and he refused to tell me and said nothing I could provide him would change the decision. Again, completely illegal. I even asked that he pull the store footage as a means of definitively proving the charges were fraudulent. to which he laughed and stated " we dont do that. '' The investigator went on in a tone that clearly indicated he was enjoying the cruelty of what he was doing and plain up stated that he didnt want to deal with it anymore and recommended I request a different investigator. Which is exactly what I did. Again, through certified letter, as well as snail mail, fax and phone calls I supplied the original documents, affidavit and NEW documentation including new police report solely for the stolen target card. After two weeks of being promised someone would get in contact, an investigator leaves me a voicemail in the evening stating she too is denying the claim and that they wont be providing me with a reason as they " do not have to '' ( Also completely illegal ) and then provides a phony return phone number. I have recorded every single phone call and have a portfolio of evidence as to the complete negligence of your fraud team to properly and as protected under law, investigate this fraud claim. The recordings and documentation overwhelming support and verify everything Im saying. I was hit with fraud and theft on a massive family crippling scale including XXXX, XXXX XXXX XXXX federal, etc. and you are the ONLY organization refusing to properly investigate this and ATTEMPTING to deny my claim. I have not received a SINGLE shred of paperwork, nor have I been properly notified of the denial or that the appeal was taking place. You also did not update the bureaus as to the investigation OR the appeal which is again.. completely illegal. Per the law- you need to remove the derogatory remarks from my credit reports and acknowledge that the time has passed for this investigation and restore my credit. I NEED to either hear from someone or see this has all be done by XXXX XXXX tomorrow ( Friday ) or I will be filing complaints with the Federal Trade Commission, The Consumer Financial Protection Agency, The Attorney General & State Banking Commissioner and will be turning all of the evidence of Targets complete disregard for financial law over to the proper agencies. After reading that this is pretty much the MO from the thousands of 1-star reviews on XXXX you guys should REALLY be ashamed of yourself. After letting all of your customers identities be stolen, you really have some nerve to treat our security with such blatant disregard. I look forward to hearing from someone who has the authority to DO THE RIGHT thing ASAP. XXXX XXXX XXXX ''
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: TD bank has wrongfully stolen {$730.00} from me. They ignore my many emails and phone calls and have now closed my case despite providing no help or answers. An agent of theirs signed me up for the wrong overdraft protection services in early XXXX. I noticed late XXXX, contacted td, and everything was refunded and fine. The agent was very kind, helpful, and owned the mistake. I went to a td bank location on XXXX XXXX in XXXX to sign up for the correct program and confirmed I signed up. They deny that I was ever there, despite the fact that I have text messages proving I was there, provided by my boyfriend, who dropped me off there. I, thinking I was safe from overdrafting, spent money without realizing I was being charged hundreds of dollars in overdraft fees daily. ( I work a very hectic job and dont always have access to my online banking, so I was very confident in TDs overdraft program that pulls money from your savings into your checking ) I had more than enough money in my checking to cover the small expenses incurred throughout the few weeks I was being charged, and was sometimes even charged overdraft fees when my account was positive ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I can not live without the money they have stolen from me. XXXX and XXXX, the managers handling my case, have been reflective, unhelpful, and rude. While the first agent fully acknowledged TDs mistake, these women are flat out lying. I work a lot and my hours conflict with TDs and can be really unpredictable this time of year. Im disappointed and feel wronged, to say the least. Id like to close my accounts, but obviously dont want to until I get my money back. XXXX rudely suggested I come in since tds hours are very convenient but, ironically, Ive had to work almost every day the last month because I have to pay late fees for bills and catch up on rent. Id like my money back ASAP before I take this to small claims. Note from the images below XXXX has not once tried to contact me, but was CCd on every email.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: To Whom It May Concern, I am a XXXX year old XXXXXXXX XXXX, XXXX, and XXXX XXXX human being on XXXX. I made a big mistake online and was duped by XXXX who claim free web-page making ads on-line, only to get charged {$270.00} and change. When I saw a charge for {$270.00}, I started panicking and getting very upset because there was no way for me to get a refund. That is because they do not have a phone to get in touch with. I have terrible XXXX XXXX that could easily be confirmed by the employees by TD Bank, the number 1 bank in the Americas and maybe in the world. On that note, TD Bank put my money back into my account as usual ( this was approximately 8 times in all ) as in the past occurances. I have other people in the world with my exact information being that I was hacked shortly after my divorce 6 years ago, the length of my XXXX experience being alive to experience ALL of the XXXX. along with the bank issues. Now, I have no access to my on-line account. I did receive a letter from TD Bank to fill out any information that could further explain as to the circumstances that involved my refund request. The request did not make any sense to me to respond to the incident where a refund was requested. In other words, the dispute was for a refund. That's all. I can't state it any clearer. Hence, what information can I give them to clarify the situation. I did not respond to the additional information letter, nor did I ever in the past and I still received my refunds on all my disputes. The only difference in this situation is that TD Bank was attempting to make something out of this case due to the high dollar amount of {$270.00}. I asked for my money to be refunded on or around XX/XX/XXXX ( my dead brothers birthday ) TD Bank remitted their final letter to me demanding that I take up the issue on my own. I have tried to call, but again no success. I saw no reason to reply to a moot point. TD Bank, located at : XXXX XXXX XXXX XXXX, XXXX, Delaware, XXXX please have my {$270.00} returned and my rights restored. Thank you, XXXX XXXX Be Fair to me. Please return my {$270.00} please. My 6 years of loyalty. My $ XXXX/mo XXXX direct deposit was compromised by more than half all FOR A REFUND!
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XXXX of 2017, I visited XXXX XXXX XXXX in XXXX XXXX, Louisiana in search of a vehicle. During my visit I requested that my credit be run through XXXX XXXX only. Within minutes of leaving the dealership, I received alerts from my credit monitoring service that my credit from several places. It was written on my application XXXX XXXX only. Since then, XXXX XXXX XXXX has been able to locate this application form for me & has provided me with a letter clarifying I requested for XXXX XXXX only. XXXX XXXX XXXX XXXX were both places my credit was pulled & I have informed them about the letter from XXXX XXXX XXXX.
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I bought a new car supposily, but when I took it to the get the insurance for it they refused to cover my car because the car was damaged by hail, after that i have to retuned it to the agency. I just have the car for 2 months and they want me to paid them the car.
Company Response:
State: TX
Zip: 79927
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My complaint is against TD Bank/XXXX account # XXXX. On XX/XX/XXXX I went to XXXX web page to by a phone. The phone had a cost of {$1600.00}, on the portal there were different options how to pay your phone ( finance, upfront, etc ), so I decided to finance it. Payment went through, everything approved. Some days later I received the phone without any type of agreement which I saw rare that the did not send it. 2 months later a received a call from x collection on behalf of TD Bank and to be honest I didnt even knew that bank even existed. So I immediately contact XXXX and maid payment in full of {$1800.00} on XX/XX/XXXX. So I de decided to call them both TD bank and XXXX. In TD bank they ask my SSS and the account number and the agent told me that I didnt even had an account with them. This call was made on XX/XX/2019TD bank should have that call recorded. So then I decided to call XXXX to get some kind of explanation of whats going on. In XXXX they told me that what happen is that they never received a payment from me until the XX/XX/XXXX for the amount of {$1800.00} and me thinking it was in automatic payments and everything was ok. Now the phone carrier did have my correct address because I received the phone but I was told by XXXX that statements were return to them therefore I NEVER received any type of statements from TD Bank or XXXX or any late payment insertion required by FCRA . This is unfair business practice, negligence, breach of contract and the list of violations can go on. I dont want to take this case to court, that is why Im using this source to fix this issue. I just want for whoever is responsible of this error to fix it as soon as possible. I want a deletion letter from TD Bank as soon as possible. I have a {$700000.00} mortgage loan pending because of this mistake and if I have to take this case to court, believe me I will. Thank you!
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD Auto Finance is currently data furnishing illegal, erroneous and outdated information to all major credit bureaus. I have sent three written demands ; Validation Demand, Estoppel Letter and Intent to Sue in hopes of obtaining a complete account history and ultimately correcting their records in order to correct the bureaus reportings. I have only received one letter in nearly 120 days of my attempts and the letter simply states they would like to speak to me. I have a legal right to complete my written request and keep all communication in writing. This company has violated the Fair Credit Reporting Act in multiple ways. I am in desperate need of having this account data corrected.
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: In XXXX of 2019, I received a computerized voice mail to contact TD Auto Finance asap. I made the call since I had a prior automobile loan for which I co-signed for my son. Both my son and I thought the loan had been paid in full, as TD Auto Finance stopped taking their automatic deductions from my son 's bank account. When I called TD 's customer service department, I learned that they had not withdrawn the final payment, as it was a few pennies more than the payments they had been withdrawing. Apparently they do not auto debit the final payment as a result, but had failed to notify us with their 30 days ' prior notice letter. I received a notice from another creditor alerting me of a change on my credit score. When I looked at the alert, I discovered that TD Auto Finance had marked my and my son with 30, 60, 90 and 120 days late payments. Once TD recognized their internal error, they agreed to notify the credit bureau of the mistake. I waited 30 days but saw no change on my credit report. I contacted XXXX XXXX to dispute the late payments. I have since been advised by XXXX XXXX, that TD Auto Finance did not agree with my dispute.
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had an automatic debit come into my account that overdrafted it. I immediately transferred money from my savings account to my checking account to cover the amount. I was charged with a {$35.00} overdraft fee to my checking account and {$9.00} fee to my savings account. I asked the money grubbing, profit swilling XXXX at TD Bank to refund the charges and was told no. TD Bank made XXXX billion dollars in profit for the XXXX quarter of XXXX. In its announcement, it also cites benefits from the XXXX tax bill signed by XXXX. I got an extra {$20.00} a month from the tax bill. And this year, I had to pay more in federal income tax. But XXXX forbid TD Bank XXXX XXXX XXXX XXXX, who makes {$15.00} XXXX a year, gives back my {$44.00}.
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Identity theft protection or other monitoring services
Subissue: Didn't receive services that were advertised
Consumer Complaint: XXXX To whom may concern, My name is XXXX XXXX # XXXX is being violated in zip codes XXXX and XXXX I am currently working this this business and a older woman send me mail to settle disputes with my debt, these people are mail tampering. Mail tampering is A XXXX fine! they been doing it for over a Year. They opened my mail so that when I work with the business I receive a hard time. these people come with all kinds XXXX ( excuse my curse I am tired of it ) They are retaliating against me and my religion. they are violating the constitution, the Civil rights act of 1964 and the first amendment. I do believe in XXXX " Amen-dment '' and I am trusting the process but now I am done with these people. I am XXXX XXXX XXXX overcoming a struggle and upcoming. I am being more aware of what people are doing and trying to have control over my life. these people are trying to stop me from having a good life. I am targeted in my community. the hate is real discrimination is ongoing. My bank account has a history of fraud. I am not perfect but I realized what these people were doing and there trying to make me pay for false debt by giving me fraud checks and not putting my correct address and ID theft. I gave them 2 ids to ID me and they refuse to help me. Every time I walk in they are violating the Civil Rights Laws of 1964. This city is doing bad and this is no disrespect to TD bank itself, its just the ones in XXXX. It is a struggle city and I am battling these people the RIGHT WAY while these people promote fraud! XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A