Date Received: 2023-07-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: i got an email today stating i was approved for a target credit card that i had not applied for. i contacted target credit card dept to report that i had not applied, order was stopped and card account closed and reported as fraud. the information provided was a new york state drivers license was provided with my address and email
Company Response:
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I took out a Target Credit Card in XXXX XXXX XXXX as I was at the time a frequent shopper looking to rebuild credit to obtain a newer vehicle and home down the line. Things went exceptionally well with having this credit card until the gaps of employment from XXXX XXXX XXXX XXXX XXXX XXXX in which the latter resulted in me losing my home, my vehicle, without financial assistance as I am estranged and disowned by EVERYONE in my life for personal reasons. I was also denied unemployment due to previous reasons of not reporting new employment ( which was relayed that I had never been in that position of having to do so for years as I had maintained stable employment until XXXX XXXX XXXX ), and I tried EVERYTHING in my power to avoid this situation. I explained to them SEVERAL TIMES that I was not in a position to pay at the time, however when I started to get back on my feet, I paid what I could and in XXXX XXXX XXXX the account was INCORRECTLY charged-off because an incompetent employee WHO DID NOT DO THEIR JOB in WHICH THEY CONTINOUSLY DENY AND DENY TIME AFTER TIME. I made a plan to pay the account in full as opposed to a XXXX-year payment plan which would have been tedious as I am currently homeless without a vehicle, I sometimes sleep in abandoned buildings for air-conditioning and a warm shower. I also sleep on the streets and motels when the city provides vouchers for stays. I was in a XXXX XXXX relationship in which I am a victim of XXXX XXXXXXXX, I have had my XXXX XXXX, XXXX XXXX, had to take unpaid XXXX XXXX from a part-time that was barely paying the bills to begin with, I was also diagnosed with XXXX which limits my food choices that results in me NOT eating most days and in spite of the mentioned circumstances I managed to catch up on my bills including pay this account off IN FULL W/O a settlement plan. I complained to the XXXX SEVERAL TIMES ON THEM AND THEY STILL DO NOT ADMIT TO ANY WRONGDOING!!! ADDITIONALLY, THEY DID NOT PROPERLY VERIFY XXXX IN TERMS OF MY ACCOUNT, THEY KNEW I WAS EVICTED AND I COULD NOT RECIEVE ANY MAIL AT ALL ALONG WITH BEING PROHIBITED FROM BEING ON THE PROPERTY AFTER MY EVICTION. THE LANDLORD WROTE ME LETTER STATING THAT I WAS NOT ALLOWED ON THE PROPERTY NOR COULD MAIL COME W/O PRIOR APPROVAL SO THEREFORE I NEVER RECEIVED A LICK OF XXXX VERIFICATION FROM THESE UNEDUCATED XXXX REPRESENTATIVES XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NEED TO LEARN RESPECT ALONG WITH LACK OF EMPATHY!!! I PROVIDED THEM WITH HARDSHIP DOCUMENTATION AND ALL THEY COULD SAY WAS " SORRY TO HEAR THAT '' IF THEY WERE XXXX SORRY THEY WOULD HAVE HONORED MY REQUEST!!!! I AM TRYING TO GET A PLACE TO LIVE AS I AM SICK OF LIVING ON THE STREETS, LIVING MY LIFE, NOT HAVING A VEHICLE, FRIENDS, A HUSBAND WITH A FAMILY, ETC. THESE PEOPLE NEED TO FIX THIS XXXX XXXX IMMEDIATELY!!!
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently obtained my credit report in the midst of trying to buy a home. Upon looking at my account I seen several Accounts that are not from me, and that were open fraudulently. These accounts include an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank/target, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX and US Department accounts that are not from me, and that were open fraudulently. These accounts include in account from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TD Bank/target, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and US Department of education . I attempted to contact each of these creditors, and they were not willing to work with me in or delete any other accounts on my credit score. This is defamation to my character, and it has prevented me from moving into my dream home with my family.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have a TD bank checking account. Overdraft protection was set up on the account originally. If I overdrafted my account, sometimes they would still pay it and then charge me a fee. Those types of fees I don't have an issue with. When cash flow was tight, but still coming in, being able to overdraft helped keep things moving. It was like a short term loan to cover the expenses for when I knew money was coming in, just might be in another day or two. I pay a fee for the benefit of borrowing that money for a few days. No problem there. Last month things changed and my business went through a big drought. We have not been generating revenue. I called customer service on XX/XX/XXXX to alert them to my issues and that I wanted to get my account positive and then turn off the overdraft protection. Just need some time to tread water and work with my suppliers without the extra burden of fees. I paid the money required to cover my negative balance that resulted from the overdraft-paids and the overdraft paid fees and maintenance fees for my account. The rep then gave me a credit to cover the portion of the fees that came from the NSF transactions. This got my account into a positive status. She then turned off the overdraft coverage on my account so that nothing would be paid if there were not enough funds. They then have a program where they refund overdraft fees so long as the account is returned to a positive status by the following day. In theory, this protection should always negate NSF fees and help for those instances where an overdraft-paid comes up and then one day later you deposit cash to cover the overdraft paid and in that case you wouldn't be charged the overdraft paid fee. " Please note that if you made sufficient deposits to bring your available balance back to at least {$0.00} by XXXX XXXX. EST on the next business day after the items that overdrew your account posted, we may have refunded any overdraft fees that were assessed to your account for those items. '' Since we turned off the overdraft-paid feature, this should have always been the case. I start with a positive balance, transactions then hit that overdraft the account, the charges are then all returned for NSF the next day, any money out should equal the money back in. Since I turned off the overdraft-paid, those deposits should always be sufficient to bring my available balance back to at least {$0.00} by XXXX. on the next business day. However, this did not work as they would lead you to believe. Here is how it actually worked with my balances... For one day- everything worked out as it should : XXXX XXXX this is the day I worked everything out with the customer service rep. My balance started the day negative and then at some point during the day we got the balance back to positive {$1.00} two transactions hit that day for {$210.00} and {$170.00} account ends the day- {$390.00} XXXX XXXX the two transactions are credited back and my balance is now back to positive {$1.00}. A {$70.00} NSF fee is charged and my balance drops to finish the day at - {$68.00} I receive a notice saying : " The available balance in your TD Bank account was not enough to cover items presented for payment on XX/XX/XXXX, XXXXAs a result, an overdraft fee of $ XXXXmay be assessed for that day 's activities. Please note that if you made sufficient deposits to bring your available balance back to at least {$0.00} by XXXX XXXX. EST on the next business day* ( *BusinessdaysdonotincludeSaturday, Sunday, orFederalHolidays. ) after the items that overdrew your account posted, we may have refunded any overdraft fees that were assessed to your account for those items. To avoid accruing additional fees, please establish and maintain a positive available account balance. At the time of printing this notice, the minimum deposit needed to bring your account to a zero balance was $ XXXXThis deposit amount does not take into consideration any outstanding items. '' XXXX XXXX an NSF grace fee refund is credited back to my account for {$70.00} and my balance is back to {$1.00} ... all is well Now here is where it starts getting messed up again... XXXX XXXX three transactions hit and the account ends the day- {$2600.00} XXXX XXXX those three transactions are credited back and the account is back to {$1.00} again. Everything that caused the account to overdraft on the previous day is back. {$2600.00} came out, {$2600.00} was then deposited back in the next day. The account is back to positive {$1.00} and now it's a new day .... later that day, three more transactions post- XXXX XXXX XXXX - {$170.00}, XXXX- {$36.00}, OVERDRAFT RET - {$100.00} .... the account ends the day - {$310.00} I receive another notice same as before- " The available balance in your TD Bank account was not enough to cover items presented for payment on XX/XX/XXXX, XXXXAs a result, an overdraft fee of $ XXXXmay be assessed for that day 's activities. Please note that if you made sufficient deposits to bring your available balance back to at least {$0.00} by XXXX XXXX EST on the next business day* after the items that overdrew your account posted, we may have refunded any overdraft fees that were assessed to your account for those items. To avoid accruing additional fees, please establish and maintain a positive available account balance. At the time of printing this notice, the minimum deposit needed to bring your account to a zero balance was $ XXXX.This deposit amount does not take into consideration any outstanding items. '' XX/XX/XXXX ( next business day ) - two credit transactions come in XXXX XXXX XXXX {$170.00}, XXXX {$36.00}. My account balance is now at - {$100.00}. The only thing not credited is the nsf grace fee refund for {$100.00}. Had that been credited, I would be back to {$1.00} again by XXXX and all should continue. For some reason that {$100.00} was never credited this time. I'm still unclear why. I think it has something to do with XX/XX/XXXX being a federal holiday now and maybe their system that credits these things did not understand that. The rep on the phone kept spitballing out possible reasons but none of them made sense. Now because of this, the account never returned to positive that day and created a snowball effect after that. I told the rep it really makes no sense. Everything that caused the account to overdraft has all been credited back except your fee. You already know I don't have money right now, so you charge me a fee that you know I can't pay, telling me if I pay the fee before the day is done, you won't actually charge me the fee anymore, but if I can't come up with the money for the fee, you're going to charge me the fee? It's like a " gotcha '' it's just crazy. The other items that caused the account to overdraft were paid back. If your system had just credited me back your fee, my account would have been back to positive. the XXXX continued and out came XXXX XXXX XXXX XXXX - {$180.00}, OVERDRAFT RET - {$70.00}. the XXXX finished with a balance of - {$350.00} Now I receive the same letter as before for those {$70.00} overdraft fees saying : " The available balance in your TD Bank account was not enough to cover items presented for payment on XX/XX/XXXX, XXXXAs a result, an overdraft fee of $ XXXXmay be assessed for that day 's activities. Please note that if you made sufficient deposits to bring your available balance back to at least {$0.00} by XXXX XXXX. EST on the next business day* after the items that overdrew your account posted, we may have refunded any overdraft fees that were assessed to your account for those items. To avoid accruing additional fees, please establish and maintain a positive available account balance. At the time of printing this notice, the minimum deposit needed to bring your account to a zerXXXX balance was $ XXXX.This deposit amount does not take into consideration any outstanding items. '' So now the snowball begins. the amount on this notice is that {$100.00} fee plus this new {$70.00} fee minus the {$1.00} I had in there. The account never returns to positive again and none of the fees are ever credited again. My balance is now - {$460.00}. all fees. {$460.00} that I never receieved any benefit from, all resulting from your system not crediting me that first {$100.00} fee back.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
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: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant XXXX and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received email about credit inquiry, XX/XX/2023, hard credit pulls from Target Stores, received an email from Target stating they were looking over documents and card would be issued in 7-10 business days. notified target red card, that this was fraudulent, they confirmed mailing address and driver 's license # did not match mine, they put in a fraud claim to stop processing.
Company Response:
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 a charge of {$4600.00} from XXXX XXXX was noticed on my TD bank N.A. credit card.I contested with cc co.case # XXXX after investigation said I am responsible for charge.I filed a police report # XXXX, and no billing or video was found.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On Tuesday, XXXX XXXX XXXX at approximately XXXX XXXX I was at the TD Bank located at XXXX XXXX XXXX XXXX, MA XXXX and had a conversation with a banker XXXX XXXX. During that conversation XXXX advised me of several credit card offers that I was invited to apply for. I explained that I had a freeze on my credit report in the freeze would first need to be removed. XXXX mentioned that the cash credit card what is 0 % interest for a period of XXXX months and an additional credit card offer double up card that offered XXXX months Im balance transfers at an interest rate. XXXX was asked and confirmed several times that the information provided was true and accurate and if it had any time limits pertaining to the same. I was told that there was not. And encouraged to apply. I went through the process immediately based off of the bankers advice, removed the credit freeze on my credit bureau, and proceeded with XXXX separate applications again, based off of the conversation from the XXXX. I was approved for both cards. And within a few weeks had both cards. I first took advantage of the 18 month 0 % APR on balance transfer on the first card and begin to use the second card for the 0 % APR on purchases. Upon receiving my first statement for the double up card, everything appear to be in order. After receiving my first statement for the cash card is when the discrepancy of financial trickery occurred. I noticed that nowhere on the statement showed 0 % amount of APR for a period of time. I immediately contacted TD bank credit card department explain to them what I was told with a promotion. Once I was told that I needed to reach out to that location directly and have them code the account for the 0 % APR XXXX month promotion On Thursday, XX/XX/2023 I spoke to an individual who identified himself as a manager, XXXX XXXX, at the XXXX branch. I recapped the above with him. And XXXX advised he would get back to me before the end of the day, claiming a resolution. He also indicated the proper chain of complaint process regarding a cXXXX XXXX If a resolution does not get rectified later that day, XXXX left a voicemail to follow up. On Wednesday, XX/XX/2023 XXXX made contact again, and advised he spoke with an area rep. He refused to provide any information for that rep and advised the solution that they can offer is to provide XXXX month of free interest. And concluded the matter was closed when questioned about an additional review from the chairman center. I was advised that thats as far as the matter would go. I called back in and requested that this be escalated, or I will be filing necessary complaints and be possibly seeking legal action under Massachusetts law 93A and regulations theyre under. I was wished luck because I filled out the credit application myself from my phone. I can asked for this to be escalated, and I was told that I can not be done. I again asked for the local rep who made the determination and advised that they could not give that information to me. I have left messages numerous times for a return phone call back from the chairman center and receive nothing other than a narcissistic playground unresponsive voicemails and no one to return calls. At the branch level was gaslighting, bad information and misguided truth about the proper way to have a XXXX complaint escalated. Base from TD banks own website. Here the mask is off, TD Bank can be deceptive to its consumers and do whatever they want with no fear of accountability. Similar to the {$1.00} XXXX Ponzi scheme settlement just in XXXX of this year. In addition to a recent {$70.00} XXXX dollar in an overdraft settlement suit.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with TD Bank regarding financial transactions that caused me significant financial and psychological harm. Please see the attached PDF file containing all relevant documents and evidence.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A