Date Received: 2018-12-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to XXXX. They never responded with my request.
Company Response:
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: TD BANK XXXX hasnt reported my credit card account to XXXX and XXXX its been almost two months and i called them and never heard back from them and i closed the fraud dispute and told TD BANK XXXX that this credit card account belong to me and it only been reported to XXXX and they refuse to report to other two credit agencies and never heard back from TD BANK account number ending XXXX and i would need this account to be reported ASAP THANK YOU
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I spoke with multiple XXXX customer service employees in various departments at their main customer service number. After 2 hours on the phone I was advised that I am no longer permitted to make purchases on XXXX with my XXXX XXXX, the XXXX store credit card. The only explanation provided was it was due to an abnormal order history. I have no idea what that means and the final representative hung up me. I was advised there is no recourse to change this. I do not understand what is occurring and would like to continue to make purchases on XXXX. Please assist.
Company Response:
State: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
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 saturday i purchased a tour in XXXX for me an my child with this card. i was excited about it. unfortunately the tour guide was not so good and it was not enjoyable. i did contact the company to let them know he did not speak loud for all he did not wait for all before he kept walking and i wanted some of my XXXX dollars back. i have heard nothing. i emailed. i will pay for the museum which was part of the money but noit tour. it was awful. every time i tried to connect with disputes i get disconnected. i have never disputed an item before with XXXX XXXX XXXX please refund half after talking to them XXXX XXXX XXXX.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX, XXXX. filled suit claiming I owed the debt being reported as charged off and collection on my credit report. On XX/XX/2018 a Superior Court ruled in Summary Judgement on the merits that XXXX XXXX XXXX was not legally authorized to collect this debt and also ruled in my favor for motion to dismiss for lack of standing ( XXXX XXXX XXXX, XXXX. did not show they had a legal right to bring this action ). Case has been dismissed with Prejudice, without objection from the Plaintiff ( XXXX XXXX XXXX, XXXX. ) see attachment of court ruling. I submitted the court ruling to the CRA 's disputing the tradeline with a copy of the court order. XXXX XXXX XXXX, XXXX. responded to the dispute indicating that the information was being reported accurately refusing to delete the tradeline. XXXX XXXX XXXX is listing this charge off and collection as the " original creditor '' and by continued reporting of this information after the Summary Judgement order is a FCRA violation and state consumer laws violations. XXXX XXXX XXXX is also in contempt of a court order as the judge has determined in ruling for Summary Judgement that I do not owe this debt to XXXX XXXX XXXX and therefore the item must be deleted immediately or they will face legal action.
Company Response:
State: NH
Zip: 03110
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
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: I purchased two XXXX smart phones using XXXX XXXX which is run by TD Bank. I paid both of these phones off in full. My wife 's phone had a rebate offer of {$220.00} if we traded-in her previous XXXX phone. It was sent as agreed to XXXX in the packaging and box they provided. Although it was mailed in pristine condition ( I have XXXX records showing that it was used until we started using her new phone ), it was severely damaged during the shipment process ( it looked like someone has actually stomped on it and it was totaled ). At first XXXX revoked the rebate. I diligently paid the off the {$220.00} debt to TD Bank on XX/XX/2018 while my dispute proceeded forward. However, after I wrote XXXX they agreed to refund the {$220.00} charge. The refund was placed in my XXXX XXXX ( TD Bank ) account. I saw my refund sit in my account for several months in " Pending Transactions '' as a credit to me until I complained about not receiving my refund. I sent TD Bank as proof the email I received from XXXX XXXX refunding my {$220.00} asking for my credit. It of course has now disappeared from " Pending Transactions '' all together now! I talked to TD Bank 's customer service at length about this, and the department managers ( note plural ) agreed with me that I had paid the {$220.00}, but that that it was out of their hands. I just want the {$220.00} owed to me. Thank you very much!
Company Response:
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Bank/XXXX XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX and XXXX but not XXXX. XXXX report has negative report.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2018, I applied online for a TD Cash Visa credit card through an offer promising a bonus of XXXX points ( worth {$200.00} ) for spending {$500.00} within 90 days. My application was approved and I was issued a TD Cash Visa credit card. I made more than the required {$500.00} in purchases on the card within the first 90 days, and while I did receive a bonus, it was only XXXX points ( worth {$150.00} ) rather than the XXXX points ( worth {$200.00} ) specified in the bonus offer. I mailed TD Bank a letter about this on XX/XX/2018, but received no response.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2018-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Since XX/XX/2018, XXXX has failed to post and credit my automatic payments and any other payments to my account even though they debit the money from my bank the every next day. Ive called several times to get this corrected but that hasnt happened. In late XX/XX/2018, I noticed that my payment was not credited after over a week and called XXXX. The employee told me my payment would be on hold for another 7 days and that he would not credit my payment sooner unless he called my bank with me on the line proved I actually made the payment. He asked me for my bank info and joined the calls. I became suspicious because after he yelled at me for hitting the button to bypass the prompts to speak with someone, and said I should have let him hear how much money I have. On this same call I asked him why he didnt answer when I asked him if he needed to verify anything else while on the call with my bank and he told me he didnt answer me because it was illegal for him to have done what he just did. Each time I called back the CSR has told me they want my bank info so they can call my bank and listen to prove the check actually was paid by my bank. I repeatedly told them I already know my payments clear the next day after theyre paid and that we both already have proof of it. I also asked why they were doing this and was told they dont know and that it might be a system glitch. The most recent CSR put me on hold for very long periods and while holding I read my credit card agreement. When she got back on the line I told her I see they are in breach because it states they are to credit payments the same day as long as its made by XXXX, or the next day, if its made after XXXX, then she asked me to hold again hung up on me. I called right back and they next CSR apologized and said she noted the inappropriate behavior of the prior agent and would help me, while she was talking someone hung up the phone again. Ive called back several times and each time someone disconnects the call. Ive attached a screenshot of the XX/XX/XXXX additional payment I made on top of my automatic payment and as of today, XX/XX/18, it still has not been credited to my account ( do not post this attachment publicly ). Thank you.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2018-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: When a payment is made to a XXXX Store credit card, it can take up to 15 days for the payment to reflect back as available on the account. Yet, the payment was withdrawn from the payment account immediately. This practice is not on the terms and conditions of the credit card account,.
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A