Date Received: 2019-02-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had a XXXX credit card since XX/XX/XXXX. Beginning particularly since XX/XX/XXXX, the website is so slow that it repeatedly times out when I try to log in to pay account. Other times for several days at a time it shows a basket icon and says that function is not available at that time. The end of XX/XX/XXXX, I could not even find out how much I owed on balance before payment was due, so I paid at store with a check for much more than I owed because the website would not take payment.XX/XX/XXXX, I tried repeatedly tog in with correct username in different browser and on different devices. For hours message said the website had an inactive script. It would not activate either login icon or " manage my XXXX ''. Payment was due XX/XX/XXXX. A few minutes after XXXX I was able to log in with my username which was correct XX/XX/XXXX but it would not allow me to log in until XX/XX/XXXX. Thus XXXX is fraudulently creating late fees which are a minimum of {$38.00} by not having its website function until minutes after payment is due.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I entered on XX/XX/XXXX in effort to pay the debt off .I was told by agent that I needed to pay {$76.00} to start the payment plan which I did. When I log into my account online it stated that I owed {$46.00} I called in and was told that I should ignore that as it takes time forthe plan to take effect I have made each payment as they are drafted from my account on the XXXX .I did speak with a supervisor and was told that it would take 48 hours to fix .However my credit as been negatively affected.
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I lost my job in XXXX and my husband and I filed for bankruptcy in XXXX that year naming XXXX, XXXX XXXX, and their attorney as creditors on a lien that was placed on my name. The bankruptcy was discharged in XX/XX/XXXX, and I assumed all was well. My husband and I tried to refinance our VA home loan in XX/XX/XXXX in anticipation of rising interest rates, and it was then that we found out that the lien for XXXX was still filed and active against my name. Multiple calls to the assigned attorney and to XXXX XXXX were not satisfactory. The attorney, XXXX XXXX XXXX who took over the XXXX XXXX XXXX cases, denied they had the file and XXXX said I still had to pay it in order to close the lien. We hired our bankruptcy attorney to file a motion spending around {$700.00}, which I feel should not have been an expense I should have had to make. It took until XX/XX/XXXX to get a signature on the order. The lien is still filed and active on my name. My husband was forced to refi our VA mortgage in his name only, which has affected his credit score and the interest rate offered by the company.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I erroneously issued an electronic payment from my XXXX XXXX account to XXXX in the amount of {$200.00}, which cleared my bank account on XX/XX/XXXX. The account referenced on the electronic payment was XXXX. The payment number was XXXX. I no longer had an active credit card account with XXXX at the time of payment and no amount was due to them at that time. I called the customer service line for XXXX credit cards several times, and on XX/XX/XXXX, a representative of XXXX XXXX faxed the payment information to XXXX with the payment disputes department for XXXX at XXXX. I have attached a copy of a letter I received from XXXX XXXX detailing this. I am also attaching a copy of the page from my bank statement that shows the {$200.00} payment to XXXX from my XXXX XXXX account. On XX/XX/XXXX, I followed up with a letter to XXXX, which is also attached, because I had not received a refund of the payment. I faxed the letter to XXXX and have attached a copy of the fax confirmation. I also mailed the letter to XXXX XXXX XXXX XXXX, MN XXXX. As of today, XX/XX/XXXX, I still have not received a refund of the payment that was not owed to them, nor have I been contacted by them.
Company Response:
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX Card services has been calling my cell phone 2-3 times a day every single day for past several weeks. Even after requesting them and writing them to stop contacting me by phone. I plan on paying my debt I am just jobless after a move. The company has ramped up its calling efforts and is now calling me more then 2-3 times a day. I had 6 calls today alone from them. I want them to stop calling me.
Company Response:
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently pulled my credit report from XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/2019. I have previous credit reports from both agencies pulled on today XX/XX/2019, and neither one of these reports show me late in XX/XX/2019. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice. I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. She promised to send me a payment history of my account. I never received such documentation. The results of my XXXX dispute and my XXXX dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019 I received notification that I applied for a XXXX Credit Card Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX erroneously and egregiously attempted to utilize my information.
Company Response:
State: WA
Zip: 98373
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous. Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity
Company Response:
State: MA
Zip: 02745
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: Hello, My name is XXXX XXXX. I recently purchased a vehicle from XXXX XXXX of XXXX XXXX. They used TD Auto to help me finance the car. When I purchased the vehicle, I was informed by XXXX XXXX, the sales agent, that she would enroll me in a protection plan ( the XXXX protection plan ), and if I decided within several days that I did not want the plan, I could call back and unwind the plan. I did not understand the cost of the plan until later, and I did not realize that I really had no need for the plan until after purchasing the vehicle. So I immediately contacted XXXX to undo the plan - I have not been able to get in contact with her, and have not heard from her since. I need this expensive {$2900.00} protection plan undone and credited back to the loan. I was also charged a reconditioning fee of {$1000.00}. I was told by XXXX that this is a mandatory fee and the car could not be sold in Maryland without the fee. I objected, but did not have much of a choice at the time other than to accept the fee. After researching the fee further, there is no " requirement '' for such a fee, and the " reconditioning '' was not needed - I could have opted out. As such, I want this fee reimbursed as well and credited to my loan. I have been misled about these two add ons and I would like TD Auto to work with XXXX XXXX of XXXX XXXX to have these two fees reimbursed/credited to my loan. I have submitted a XXXX XXXX XXXX complaint against XXXX XXXX as well.
Company Response:
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Credit card stolen and used unauthorized, on XX/XX/XXXX my card was used without my consent to make purchases over {$3000.00}, now I am being held responsible even though I followed proper steps to file a police report and provided medical documentation that I was in the hospital when these charges took place, I was at the hospital due to a XXXX which was provided to Nordstrom card services, a lost report has been filed and theft report with the city of XXXX as well, Nordstrom still wants me to pay for these charges and are increasing interest rates very rapidly to a point to were I can not even pay. They have closed my account and representative with the name of XXXX has told me I am an irresponsible person this is why they closed my account.
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A