Consumer complaint received 2021-04-14
Company: Total Card, Inc.
State: NJ
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:
XXXX  XXXX XXXX would allow certain items to overdraft my account and certain items to not overdraft account. I would be billed an NSF fee instead of an overdraft fee for items they would not allow to be over drafted. There was fraud on my account ending in XXXX. The type of fraud was businesses taking money out of my account after I cancelled services with them as well as companies using my debit card to run XXXX ads, AS WELL AS UNKNOWN MISCELLANEOUS CHARGES THAT I HAVE NO KNOWLEDGE OF. Other fraud was also on the account, all fraud reports are available by XXXX XXXX XXXX, they do no not share this in document form for me to upload. This fraud occurred over the course of a year and a half as a result my credit card payments that were set to be automatically withdrawn by ACH would not be permitted to be paid and I would be given an NSF fee. These fees totaled over {$2500.00} from XX/XX/XXXX to XX/XX/XXXX. The fraud statements were made to the creditors and to the credit reporting agencies. No matter what I did I could not get them to remove the late payment histories. My payment histories were fine for the longest time. 
ITS THE BANKS FAULT THE PAYMENTS DID NOT PROCESS BECAUSE THEY WOULD LET FRAUD OCCUR AND OVERDRAFT MY ACCOUNT CHARGING ME OVERDRAFT FEES AT THE SAME TIME THEY WOULD NOT ALLOW MY SCHEDULED CREDIT CARD PAYMENTS TO GO THROUGH. 
THEY HAVE A ZERO LIABILITY PROMISE AND THEY ARE BREAKING IT BY CONTINUING TO SAY I OWE FRAUDULENT ACTIVITY. AND HERE ARE THE CREDITORS THAT NEED TO REMOVE ANY LATE PAYMENTS FROM MY RECORDS AT EVERY CREDIT BUREAU : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - TOTAL XXXX : # XXXX FILE # XXXX XXXX  XXXX  : # XXXX THIS COMPANY TCI DID NOT EMAIL ME OR CALL ME OR SEND ME A LETTER THAT MY SCHEDULED PAYMENT WAS NOT PROCESSED ON TIME. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX XXXX  XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX  XXXX  XXXX2 - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - THIS COMPANY ALSO FAILED TO REPORT THAT THE AUTOMATIC OR SCHEDULED PAYMENTS WERE NOT BEING AUTHORIZED BY THE BANK TO ME BY PHONE OR EMAIL OR TEXT SMS. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX  XXXX THEY FAILED TO REPORT TO ME THAT MY AUTOMATIC PAYMENTS AND SCHEDULED PAYMENTS WERE NOT BEING PROCESSED BY BANK AND DID NOT TEXT OR EMAIL ME OR CALL ME ///////////////////////////////////////////////////////////////////////////////////////////// ALL OF THESE CREDIT CARD COMPANIES INCLUDEING THE XXXX  XXXX XXXX DID NOT CALL ME OR CONTACT ME THAT THERE WAS PAYMNETS NOT GOING THROUGH. THE XXXX  XXXX XXXX DID NOT PAY MY CREDIT CARD PAYMENTS BUT AUTHORIZED FRAUDULENT PAYMENTS AND COLLECTED OVER XXXX IN NSF FEES ASA RESULT. IT SEEMS THAT THEY INTENTIONALLY HURT MY CREDIT. THEY ALSO WILL NOT APPROVE ME FOR A CREDIT CARD EVEN THOUGH THEY KNOW I AM NOT AT FAULT FOR THE LOW BALANCES AT THE TIME THE PAYMENTS WERE BEING ATTEMPTED. 

THE LATE PAYMENTS ON THESE CARDS WERE THE BANKS FAULT AND THE FACT THAT MANY COMAPNIES WERE TAKING MONEY OUT OF MY ACCOUNT WITHOUT AUTHORIZATION.

Company response to consumer: Closed with explanation