Date Received: 2023-06-19
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 applied for a Target Red Card XXXX XXXX XXXX XXXX and they will not provide a XXXX balance credit card statement. I need this for my mortgage refinance
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Around XXXX XXXX XXXX my information was stolen & my account was fraudulently accessed & funds were dispersed into the account & removed. I notified TD bank immediately within 2 business days of this fraudulent activity. I came in person to the XXXX, NJ branch to report this activity. They reported the activity, and also confirmed that it was not my signature on the check. I called for months seeking updates on this matter, however I was told to keep waiting. I recently got a letter stating that they sent the debt to collections which was around {$4000.00}. The debt collector is XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Blessings, I contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would make a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to Please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Target ( via TD Bank credit ) Target store card There was a penalty charge incurred after I thought I paid off the account in full. You had prior setup a deferment with the creditor due to Covid or a natural disaster and the creditor still marked you late. I incurred a penalty charge/fee requesting the company to review the practice of assessing the late status and assigning a penalty due to my inability to attend to the charge account because of extended COViD and prior XXXX XXXX illness. I reviewed my account when I was recuperated physically and saw the account was penalized as late and assessed a penalty charge for late payment/late interest. I reviewed the account in full and setup an interim deferred payment plan until I could reassess my financial status to repay that account, bring all accounts open in my possession, and resume a responsible payment pattern. Once I did this assessment a few days later, I then made ample payment to cover all outstanding charges and also a large portion of the outstanding balance over and above the customary payment. However, when I contacted the company to kindly review the situation and provide a courtesy goodwill gesture toward the account, I was informed that it would go under review. Quite some time ( more than a few weeks ) transpired without receiving additional account information. The company is notoriously tardy and lackadaisical about customer follow-up as is the comment on various credit and consumer educational and informational websites. I subsequently followed up with the company and informed them that everything had been paid except the penalty charge which I was told would go under review and received no response. I also requested that a goodwill gesture be made toward the account as it was a low amount of outstanding balance in question ( the penalty charge only ) and I had ample resources to pay this account off among many, in the aftermath of the pandemic environment, hardships due to same, and personal illness considerations. I then received a response that the late payment comment was validated and no reconsideration would be made with favor toward the account. My finances were in positive circumstances despite the pandemic disruptions and it was simply a matter of me attending to past tardy recordkeeping and once that was resolved, creditors were satisfied. I subsequently closed the account due to lack of goodwill extended by the company, higher credit lines being available, and a problem with the online system that permits credit account holders requesting a deferred payment plan to close out the plan because of an antiquated manner by which items have to individually be canceled for the entire series of intended ( minimum ) payments over various months until the balance is paid. I paid off the balance and attempted to complete this task and was informed that it had to cycle through several statement cycles in order to be negated or it would further show inability to complete the promised deferred payment plan. This is the 21st century with various programming and other website resources available to make it convenient for credit account holders to do business online without having to be at the mercy of watiing long wait times on customer service lines only to be given incorrect information, informed of back-end issues with system payment plans and other similar inconvenient issues. Therefore, in view of my having a closed account with Target and having sustained a XXXX late negative reflection on credit reporting bureau records as the only {$24.00} low value matter in several years with credit lines of over {$12000.00}, which is a totally avoidable mistake. I without the benefit of any consideration from the company for a mutual error, I have decided to escalate this matter with CFPB here for further presentation to the company for resolution. Thank you very much for your assistance.
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My checking account deposit account checks and debit card were stolen money was taken and they refuse to file a claim and give me back my money this is not fair
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX Subject : Complaint against XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX XXXX XXXX who I believe has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). The debt in question has not been properly verified by XXXX XXXX XXXX, despite my request for verification. The details about the original debt and the amount owed have not been clarified to me. On multiple occasions, the agents of XXXX XXXX XXXX have refused to send proof of the debt, stating they will not settle even though I have sent a letter to that effect. They have also disclosed information to a third party, which I believe is a violation of my rights under the FDCPA. Furthermore, once I had informed them about filing a complaint with the FDCPA, the agents stated they would no longer communicate with me. They refused to assist or accept payment and threatened to negatively impact my credit score. I believe these actions are violations of the FDCPA, which requires debt collectors to provide verification of the debt, prohibits disclosure of debt-related information to third parties without the debtor 's consent, and outlines fair and respectful treatment of consumers. I respectfully request that the CFPB investigate this matter and take appropriate action. Please inform me of any steps I need to take to assist in this process. Thank you for your attention to this matter. Sincerely,
Company Response:
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My card was lost/stolen and unauthorized charges we applied to my balance. I have tried to contact bank multiple times but I keep getting disrespected. I am a XXXX and need my medicine to stay alive and the bank is forcing me to wait long periods of time when I can't go long without my medication. Please help me please! They don't care about me and I feel failed by the banking system. If i don't take my medicine in the next 3 days it can be very detrimental to my health. I Deserve to to be treated fairly please treat me fairly
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
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 have previously filed a complaint with td bank, and it was initially resolved. Now the charge is magically back on my CLOSED account, and Im being mailed paperwork saying Im late on my payments ( for a charge that was deemed fraudulent ), and Im being charged interest and late fees. Im enclosing photos of all paperwork explaining the previous complaint and current billing paperwork Im receiving. I have reached out to td many many timEs, both on the phone and in person. On one such occasion, the representative on the phone actually suggested that I just pay the charge. This is unacceptable, and needs to be resolved immediately.
Company Response:
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a credit card with Target. Every month they do not report the correct balance. I have paid the account off, but they keep reporting the previous balance XXXX. I have contacted credit bureaus so they can get new balance updates, but Target continues to give them a past statement balance. The credit bureaus ask for the current balance, yet Target continues to give them a past statement balance.
Company Response:
State: CA
Zip: 92869
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received my XX/XX/XXXX statement and they decreased my credit limit by {$1000.00}. I called and spoke to credit XXXX she said you have HIGH BALANCE and it is reason they decrease my credit limit. They did similar action on XX/XX/XXXX and XX/XX/XXXX, my initial credit limit was {$12000.00} in XXXX when opened credit card account. But they going to decrease, decrease again and again cause my credit score and Utilization Ratio effect this is discriminatory credit actions. Because no other credit card company did before even I opened new credit cards in last year.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A