Consumer complaint received 2021-05-05
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was hacked on my laptop on XX/XX/XXXX in 2020. This was right before the Covid-19 pandemic started to get very serious in the XXXX. All my credit cards and accounts were compromised and I needed to cancel them all. I had no safe internet source to use so I had to depend on my landline that wasn't completely safe, as it is tied in with my XXXX  and is a cordless phone. I called all my card companies and Target XXXX XXXX XXXX was the only one that did have a charge on it of XXXX that was not authorized by me and I am the only person who holds a card in my name. We live 200 miles from the nearest Target store, and nothing was ordered. They said a form would be sent to me to explain the fraudulent activity new cards with new numbers would be sent. I got the form, filled it out in detail, and sent it back per their request. I got the new cards, but when I tried using them several months later, for a couple of gift cards online, they would not process. I tried the activation process again with the card and it seemed to process, but the card could not be used. I had a zero balance on the account, as I used the card rarely anyway. I didn't worry much about it, since I use my Debit card for most things. In XX/XX/2020, my handbag was taken from my car, and the new Target card was taken. I couldn't believe it. So I called and canceled the current one and ordered a replacement. It was automated so I didn't get to talk to anyone about not being able to use the card. I tried several more times after I received the new card to activate it, and it was not working. I called the customer service number and each time I called, it would get me an automated person, and when I gave my credentials it would say i needed to hold the line for a representative. Each time I called and did this, which was about a half dozen times, I would be on hold and eventually be cut off and the phone would go dead. It's like my account has been flagged, but if so, I need to know what the issue is and get it straightened out. I have done absolutely nothing wrong and now the biggest issue I have is, my XXXX  Credit score has dropped XXXX points because Target without warning, dropped my credit limit from XXXX to XXXX. That is the kiss of XXXX  on a credit score and my credit score is impeccable and I have not been late nor missed a payment in 25 years on anything. I get my credit limit raised, I do not get it decreased. I don ' t care if I ever use the Target account again and would just close it if it didn't jeopardize my credit score, but I will not stand for a XXXX point drop in my score because of a company not responding to my calls and emails. Please please see if you can be an advocate and get Target to contact me and get this settled. I had the same issue with XXXX. It took six months and two months of an incorrect poor credit score and the FTC to fix it. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation