Date Received: 2019-05-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account has been put on freeze with my funds in it and I am told to come in person at a branch to lift it. I am currently outside the country and need to access my funds to be able to do anything, but the bank will not give me any reasons for the restriction or accommodate my situation.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX SUBMITTED ON XX/XX/2019 PRODUCT Mortgage ISSUE Struggling to pay mortgage Hello cfpb -- I submitted the above complaint. TD Bank did respond by sending our attorney a waiver in lieu of foreclosure releasing us from all liability. We signed the paperwork and returned it in a timely manner, but then received a letter that it would take " some time to do a revised deed search '' for the Bank to sign and return the papers to us. We have not heard from them. In addition, we've received a bill from the Bank for over {$32000.00}. This is so much stress on our family, especially with our daughter so ill. Please help us. Thank you. I'm at XXXX, XXXX and our attorney is XXXX XXXX. His contact information ind on our first complaint.
Company Response:
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Subject : Target Credit Card Info. and Violative Reporting and Re-Aging of Alleged Debt. As a regulatory compliance professional, I take the position that the credit reporting data provided on my credit reports by Target ( credit card ) is in violation of federal fair credit reporting rules / Regulation V. As the CFPB staff ( the experts ) are well aware, the credit reporting agencies and those reporting to them have a duty to record consumers ' account data accurately and completely. If even the smallest detail is incorrect or if the creditor-collector can not verify a piece of data, they must delete the information. Based on the following events, I believe Target has not acted in good faith, has engaged in fraudulent credit reporting, and has damaged my current credit status. Therefore, I respectfully request that Target be held accountable and that all Target data be removed from my credit history, across all of the credit reporting agencies. The Target data on an alleged credit card debt in my name is reporting differently across the 3 major credit agencies and worse - on XX/XX/XXXX, I received a credit alert that Target RE-AGED the debt on XXXX and changed the account closed date from XX/XX/XXXX to XX/XX/XXXX!! In addition, in XX/XX/XXXX, I noticed Target reported to XXXX that I made a {$200.00} payment on the alleged, nearly 7 year old debt. THIS IS FABRICATED. 1 ) On XX/XX/XXXX, after disputing the accuracy of information for an account allegedly closed in XX/XX/XXXX, Target changed the account closed date to XX/XX/XXXX. This blatant attempt to re-age the alleged debt caused credit alert reports to generate which alerted me to Target 's fraudulent reporting via XXXX. 2 ) I had originally disputed Target information in XX/XX/XXXX after seeing that Target had posted a bogus {$200.00} payment made on this alleged debt via XXXX. This was a surprising piece of data to appear on my credit report. This information was new and was fabricated since I did not send Target this payment. Perhaps this fraudulent data was posted to the account prior to the firm re-aging the debt? Quite possibly. 3 ) In XX/XX/XXXX, I had requested data for this alleged debt after reading more about Target 's data breaches and became concerned when I noticed that across the 3 credit reporting agencies, Target reports different last pay dates, reported dates and closed dates for this account, in addition to different data as to who to contact for information on the account. Specifically : XXXX : Shows a last pay date of XX/XX/XXXX and reported date of XX/XX/XXXX. The contact info is XXXX. XXXX XXXX in XXXX., MN and no phone number if available. XXXX : In XX/XX/XXXX, the Target data reflected a XX/XX/XXXX and a closed date of XX/XX/XXXX. However, in XX/XX/XXXX, they reported a last pay date of XX/XX/XXXX. Target just recently reported a bogus {$200.00} payment. This is not true whatsoever and I promptly filed a dispute. I can't even get Target to verify the debt and the charges-balance data on this alleged account, much less would I make a payment to Target. XXXX : In XX/XX/XXXX, Target data reflected a last pay of XX/XX/XXXX and a close date of XX/XX/XXXX. However, on XX/XX/XXXX, after disputing the {$200.00} payment and noting that Target has not responded to a debt verification request from XX/XX/XXXX, they changed the reported closed date to XX/XX/XXXX ... A full 4 1/2 years AFTER they originally reported the account closed. I filed an immediate complaint with XXXX on the XX/XX/XXXX, after receiving an credit monitoring alert via email. I wish to thank the CFPB for the excellent work the department does in their efforts to protect consumers from unsavory reporting processes by credit companies and the seemingly lack of oversight by the reporting agencies. Feel free to contact for any additional information and/or copies of reports associated with this matter. Kindest regards.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2019 I tried to put in a PO Box-in Maryland at the XXXX XXXX Post Office in XXXX XXXX Maryland at XXXX XXXX XXXX XXXX, but that Post Office has so much fraud, and stealing that my mail was never sent to the Post Office box, so my bank withdrew the funds ( Post Office was reported ) and I signed up instead with the DC Washington XXXX XXXX in Washington Dc because they are professional at this Post Office any how I asked my bank to take back the {$100.00} because the Maryland bank never put my mail in the Post Office box. The dispute department talked to someone at the Maryland underhanded Post office and they told my bank that I come there everyday to get my mail from their Maryland Post-Office which is a lie, because I have proof and receipts and the Post Office General will not allow any one to have two -Post -Office boxes- exspecailly coming form the same house. TD Bank failed to investigate and believed the lies that the Maryland- Post Office -said and not me and TD Bank took {$100.00} out of my bank account and gave it to the lying- Maryland Post Office .
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Reviewed credit report and saw a number a hard inquiry from Target/td XXXX XXXX, SD XXXX. Never applied for a Target Card and made company aware. There have been no feedback from company. Requested information regarding hard inquiry.
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2019-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX I opened a HELOC from TDBank in XXXX, NH. I had a construction project that I needed to have done on my house and the original intent was to set aside {$30000.00} which is what the builder needed to accomplish the task. I spoke to the bank and the monies were taken out of the HELOC, set aside as a fixed rate loan with a monthly payment. The loan officer told me that these monies would never be available for me to use again. I was comfortable with that information since my purpose was to have the home repair done. As you can see from the attached documents this occurred in early XXXX. the HELOC was a 10 year draw and the account closed in XXXX of XXXX. As of that date I have not been able to draw any monies out of the XXXX and have been in repayment only. The amount that the bank wanted me to pay monthly in XXXX of XXXX was approx. {$800.00}. This was a large sum for me considering that I was still paying on the house mortgage. ( The house mortgage was paid off in XXXX of XXXX ) I spoke with TDBank and was told that the fixed rate portion of the HELOC was almost paid off - I owed approx. $ XXXX ( I don't remember the exact sum but, if necessary, I have the documents and can provide this. ) If I could pay this remaining amount owed I would be able to bring down my monthly payment to approx. {$500.00} and this is what I did. I finished paying off these monies in XXXX of XXXX. I have been in repayment only since XXXX of XXXX and have not drawn anything off of the account since that time.So ... ..My branch bank helped me finish paying off the fixed rate part of the loan and I appreciated their help. However, I did notice in XXXX of XXXX that the {$30000.00} was still included on my monthly statement. I spoke with the local branch manager, XXXX XXXX, who made phone calls on my behalf, said that there was some type of late fee which equaled {$15.00} and she would pay it out of the bank kitty. So done, I was thrilled, and she congratulated me! However, the amount never did come off of the statement. I was busy with work committments, job change and other life issues. Approximately one year later though, in XXXX, I did try to contact XXXX again. XXXX was now at another branch and it was difficult to reach her. However, I finally did, she 'sort of ' remembered but when I asked her to look into my account she wasn't able to assure me that, in fact, everything was paid as I had previously understood. This is when I originally made my complaint after speaking the State of New Hampshire who directed me to you. Please note the attached documents. I have included the initial statement from XX/XX/XXXX when the HELOC was granted ; the letter anouncing the loan amount in XXXX ; a statement from the folllowing month where you can see that now the {$30000.00} has been deducted from the initial HELOC amount of {$50000.00} ; later statements also show that those monies were always considered " spent '' and never part of my available balance. I have also attached the letter that I received from TDBank in XXXX as a reply to my CFPB complaint. What I don't understand is that in the letter it seems that the person is stating that somehow as I paid the {$30000.00} off the monies became available to me again in the HELOC ( or the {$200000.00}. This doesn't quite ring true to me. Since I know that when I would look at the HELOC I can remember only having perhaps, {$100.00} or some smalll amounts available and this would be basically available when I paid the monthly payment, i.e. as a credit card makes monies available. I realize that the {$20000.00} remaining in the HELOC was, in effect, a credit card. However, since XXXX when I finally paid off the fixed rate loan, I have made monthly {$500.00} payments which equals $ XXXX/year.
Company Response:
State: NH
Zip: 034XX
Submitted Via: Web
Date Sent: 2019-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I did a balance transfer in the amount of XXXX and I send it to TD bank to pay off my credit card and on XXXX the XXXX I was received and TD bank has place this funds on hold make me unable to use my credit card and any future payments I made to this account will on hold in the future I also made a payment in the amount of XXXX and again they put this payment on hold they wouldnt call both of my banks to verify the funds has clear and I offer them the phone numbers but they refused to call my banks and Im stuck with only XXXX dollars on my credit card vs XXXX limit
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was shopping for a couch at Raymours and Flanigan and got approved a card to pay off the couch in 12 months with a 0 % interest. I took advantage of the promotion and paid off the couch in 7 months. Later on in the year I noticed a negative tradeline on my credit report from Raymours and Fanigans. It was and still is reporting a charge off with a balance of {$310.00}. I have kept all of my receipts and the contract of sales. I will attach said documents to the report. There you will find that I completed my obligations to the debt and this company should not be reporting this information inaccurately to the credit reporting agencies.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I got scammed in XX/XX/XXXX when I wanted to buy a XXXX XXXX for my cousins birthday on XXXX marketplace. I saw one selling for {$200.00} dollars from a user whose account has been active since long ago. I talked to her and she said she would be happy to send the XXXX XXXX by delivery using XXXX. So the next morning she texts me early and says shes about to send the XXXX and sends fake pictures of her at a delivery place with the console. She then says her XXXX account wasnt working and to use XXXX. I never used XXXX before but my bank had an option for it, so I trusted it. I sent the money and she kept telling me to wait for the tracking number that never came. She gave me her real phone number as well to send the money to and I have found her personal XXXX and XXXX using that info. I have messaged her but she says she will send police to me if I message her any more. I am completely devastated and really sad that I couldnt gift my cousin this year with the hard money I worked for in my part time job.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i have someone else names and another social security number on my credit report. All inquires and negative credit belong to the second social security number. My SS # ends in XXXX and there's another ending in XXXX with names i do not recognize. i have never had a Target card, XXXX card, XXXX or XXXX XXXX. I have never made inquires to any credit unions or car loan places. I have not bought tried to buy or want to buy a car or get a car loan. I have disputed this with the credit bureau several times. it looks like most of the fraud happened in 2013. please help.
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A