Date Received: 2021-10-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XX/XX/XXXX Date of inquiry : XX/XX/2019 This is not mine. 2. Identity Theft XX/XX/XXXX Account Number : XXXX This is not mine. 3. Identity Theft XX/XX/XXXXAccount Number : XXXX This is not mine. 4. Identity Theft TD AUTO FIN Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XX/XX/XXXXAccount Number : XXXX This is not mine. 7. XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Payments made to the retail store Raymour & Flannigan were not received in time because the Payee name and address on the statements received is not the same as the the actual bank Payee address ( TD Retail Card Services ) which was anywhere indicated ob the statement. See Attached submitted.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Made a {$5000.00} payment to Target RedCard on XX/XX/XXXX... electronically. It HAS YET TO BE CREDITED TO MY ACCOUNT!!. I DID contact Target. This is the response : " When we receive account payments, we credit the payment based on the date it was received. However, we may delay adjusting your available credit while we finish processing the funds. This is why your {$5000.00} payment on XX/XX/XXXX reduced your account balance but didn't immediately increase your available credit. '' So, this really means Target HAS THE MONEY. But will NOT credit it to the account until they want to. SO, this means they FLOAT my {$5000.00} payment and make money on it ALL THE WHILE CHARGING ME INTEREST ON THE BALANCE. This is OUTRAGEOUS! Isnt this illegal? Isn't this Or at least despicable?? What happens next? Thank you ... .XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Company Response:
State: NY
Zip: 12866
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: This is a complaint against Target Mastercard. I purchased tickets from XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. As a result of a glitch on app that was handling the financial side of the purchase, the app was sending a message that the purchase did NOT go through and no tickets for the purchase were issued. As a result of the glitch, I was charged 5 times for a one time ticket purchase. I was charged : {$100.00} three times on XX/XX/XXXX {$100.00} one time on XX/XX/XXXX {$100.00} on XX/XX/XXXX ( the only transaction that is valid and did go through, tickets were issued ) I called XXXX to let them know that I saw the multiple charges on my credit card and they confirmed that the online service handling the sales had a glitch and did accidentally charge multiple times for purchases. I called MC on XX/XX/XXXX and told them that I only saw one credit for {$100.00} dated XX/XX/XXXX, but there should be 4 credits of {$100.00} each ( I was charged five times and only one purchase of {$100.00} was valid, therefore 4 credits should have been issued ). The agent said that they would put the other three amounts of {$100.00} each in dispute. These disputes did not show up on my transaction history online in the cc account. I called XXXX back again on XX/XX/21 and after investigating, they sent me " refund receipts '' ( attached ) showing that the other 3 credits ( and the final 4th credit ) were in fact issued. The first 3 were issued on XX/XX/XXXX, yet as of XX/XX/XXXX, online in the transaction history ( not the statement ), I did not see those credits OR the dispute they had supposedly initiated on my behalf as credits posted to my account. I called MC and after speaking with XXXX different agents, the final agent being XXXX, I was told that she could see the 3 credits and the disputes " behind the scenes '' on her end. When I asked why I only saw one of the three {$100.00} credits posted on XX/XX/XXXX on my account, she couldn't really answer that. She told me that it will show on my statement. This does not make sense. Every purchase and return ( debit and credit ) is posted to your account on a daily basis and can be viewed when you go in to your transaction history. While I understand that they may take a day or two to post to my account, it does not make any sense as why only one of the credits would be posted. Something is not right. As a consumer, I am entitled to view my transaction, credits and debits, as they post. If they do not show as posted to my account, it is logical to believe they are not being applied to my account. MC is telling me that this is the way they operate and I will not see all of my transactions as they are posted? This is my money and as a vigilant consumer, I often login to my transaction history to make sure that everything is accurate and that is no fraudulent activity. I had an issue last year with the same MC. They did not post a {$96.00} credit from a Target return. It took me 7 months of going back and forth with letters and documentation for them to finally realize they made an error and then they issued the credit. I do not want a repeat of a 7 month dispute. They need to show ALL transaction history for consumers to be able to see their debits and credits. There should not be a " behind the scenes view '' that they see a credit, yet as the cardholder, I do not see the credit and can not verify that credit has been applied to my balance. This is a horrible, deceptive and unethical business practice. I know that I can not be the only one that is having difficulty with the transparency of transactions with this credit card company. The vend or has issued my credits ( see attached ) and I want to see them as transactions on my account ( it has been 4 weeks since they were issued ). Thank you, XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid off a promotional balance on XX/XX/21. The balance owed on the promotion was {$180.00}. I paid {$180.00}. I was charged {$81.00} in interest. I tried to have this rectified the following month when I saw the interest charge. I sent multiple messages in regard to the interest charge. I sent another message on XX/XX/21 for a status update was told to call. I called and spoke with XXXX, then a supervisor XXXX ( female ) telling me a letter was mailed to my home which I never received stating the interest charge is valid. XXXX said that because I did not pay over the minimum each month, I owed the interest which does not make sense if I paid the entire balance of the promotion off in time. It shouldn't matter that I did not pay more than the minimum each month if I paid off the entire balance of the promotion before its expiration. I have been charged interest since XXXX so I would like reimbursement of {$90.00} and any additional interest I am charged in the meantime while this is investigated. **Update XXXX I was refunded the {$90.00}, however I was charged ANOTHER interest charge of {$2.00}. On top of that, this company has still not applied the payment I previously paid to the payment plan which was to be paid off in XXXX. I have asked them multiple times now to apply payments to that plan specifically to pay it off.
Company Response:
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/2021 received notification from XXXX about someone trying to open account at TD Bank using security questions. TD Verified there was an account in my name. XX/XX/2021 same notification. Called TD bank they escalated it, XXXX also investigating. Back in XXXX had a security breach with XXXX where account was drained via XXXX and Wire transfers via online that was not me. Ongoing issue with identity theft since then. Main issue is the report bank accounts are being opened in my name at TD bank. All credit reports, XXXX, and more have been locked for months so this shouldnt be possible.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: My friend at my previous mailing address noticed a couple of emails in my name. On opening them, there was bank checks from TD bank and XXXX in my name and also a debit card from XXXX in my name. I have not opened these accounts and have no idea how my identity was used to open these accounts. I am scared on the extent of my identity theft and want to take all the possible action to prevent this from escalating further.
Company Response:
State: NJ
Zip: 07094
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Problem with customer service
Subissue:
Consumer Complaint: At the beginning of the week of XX/XX/XXXX I brought a {$9200.00} cashier 's check from XXXX XXXX issued on XX/XX/XXXX with the words " void after 7 years '' printed to the right of the issue date. I brought it to the TD Bank in XXXX, Maine where I have an account. I gave the cashier 's check, which is valid until XX/XX/XXXX, to the teller, and the teller gave me {$9200.00} in cash. On XX/XX/XXXX I checked my account balance and discovered that my account was showing a negative balance of more than {$7000.00}. Why? Because TD Bank had deducted the {$9200.00} from my checking account and charged me more than {$80.00} in associated fees. When I contacted TD Bank about this, they told me that their check cashing department had returned the check for a " stale date '' because they don't accept any checks that are older than 6 months. This is despite the fact that 1 ) a teller had INDEED accepted and cashed the check 2 ) cashier 's checks are prepaid monetary instruments unlike personal checks which are a guarantee to pay 3 ) the check was still valid. I discussed those three points with the TD Bank local branch manager, and asked what TD Bank would do if someone who didn't have an account at their bank cashed a cashier 's or traveler 's check that was more than 6 months old. Her response was that 1 ) they won't cash either cashier 's or traveler 's checks for people who do not have accounts at their bank because " all checks are the same '' 2 ) regardless of the expiration date on a check, they will return all checks more than 6 months old. I asked what I was supposed to do, and she said to call XXXX XXXX. After more than 90 min on hold waiting for a supervisor at XXXX ( no one at the first level was able to help ), I was told by XXXX XXXX that I should call TD Bank. I called the local TD Bank back and told the manager that XXXX XXXX said it was a TD Bank issue. She then said that, regardless, there's nothing they can do. When I asked the manager what I'm supposed to do now that I had neither $ XXXX fees in cash nor my perfectly valid cashier 's check, she said that I would be receiving an identical and legal reissued copy of the cashier 's check in the mail. I asked her if I could then bring that one in for cashing and she said I could not because it would have the same date as the original. I asked what I was supposed to do with it then, and she said " bring it to a XXXX branch. '' ( The nearest XXXX XXXX is almost TWO HOURS from here. ) As it stands I'm without my cashier 's check, without the {$9200.00} that my daughter paid for the check, and without the fees incurred as a result of TD Bank cashing my valid check and then refusing to process it.
Company Response:
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened a new account a few month ago. Since that time I have been trying to set up an on line account so I can have my direct deposit go to my account. After numerous very rude and unhelpful calls they are unable to help me. I checked my balance at a foreign ATM and TD bank charged me {$3.00} leaving my bank in the negative. I tried again to set up an online account as I am home bound at this time. Once again, it could not process my request. I then called XXXX atXXXX XXXX XXXX. She s the person I set up my account with. Once again rude unhelpful people calling me honey sweetie etc. and still no help. I then called XXXX at the XXXX office XXXX XXXX XXXX and told him I wanted to close the account to which he replied you have to come in to do that because you have a negative balance of {$3.00} ... I told him I was unable to come in and he said that he could not close my account. At this point I was so frustrated and angry I yelled CLOSE MY ACCOUNT NOW! I detest this bank and their rude unprofessional unhelpful customer service. Can you please help me to close this account. Thank you
Company Response:
State: MA
Zip: 01013
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have file a dispute in regards to my credit concerns with the bureaus and companies.. It has been well over 30 days and I haven't received any results..
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A