Consumer complaint received 2021-09-22
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There was a fraud attempt by a Target Red Card Services employee on XX/XX/2021. The late fees assessed were not the issue, as mentioned in a previous response about late fees from Target through the CFPB from a separate complaint. 

The employee kept asking for my personal debit card number, not my Target Red Card number, over and over, saying it was necessary, even though I had already explained I had an XXXX bank account payment set up. I reported it to the Fraud department on XX/XX/2021, and was given a fraud claim/reference number of XXXX. The payment amount was changed on XX/XX/2021 to {$0.00} to document when the fraud attempt occurred. I also made a payment the following day, on XX/XX/2021, for {$0.00} after I received that fraud claim/reference number tp document when I received that number too. 

I was told by that representative that provided it that I would be contacted in a few days or receive would receive some corresponde. I was also told not to make any payments until the fraud claim I submitted was resolved. I kept calling Target Red Card Services nearly everyday to follow-up and they refused to provide status updates, simply stating it was still under review. I've attached a letter for the CFPB and XXXXarget Red Card Services to review and keep being told that Target does not investigate fraud attempts by their own employees. I'm usually hung on as well. I was hung up on earlier today, XX/XX/2021 at around XXXX XXXX  ( PST ), while attempting to inquire again. I spoke to another representative shortly after who kept stating we don't investigate fraud on their own employees. When I asked the represenative who to contact earlier today about a fraud attempt by a fellow Target employee, he stated he couldn't direct me to anyone to have the matter looked into further. 

The fraud claim was never investigated appropriately. I later noticed incorrect marks on my credit reports. At this point, due to Target Red Card Services not properly taking actions to investigate this fraud attempt by a fellow employee, I'm being left with no option but to report the card as fraudelent after the interaction and attempts by that Target employee on XX/XX/2021. I entered a " payment plan '' with Target, to attempt to avoid any additional issues, but they keep refusing to investigate the fraud claim I made against the Target Employee. Additionally, I never received any follow-up correspondence in regards to the fraud claim I submitted. Another representative told me it might've just been changed to a general complaint, which was not what I asked for. I never received any update or documentation in regards to that either. Then, some inaccurate information appeared on my credit reports. 

Since this was poorly handled by Target Red Card Services, I'm asking all negative impacts on my Red Card account and any other negative results, like the incorrect credit report marks reported to the bureaus be adjusted, since this is still being poorly handled by XXXXarget Red Card Services right now at the moment too. I still have not received a follow-up about the fraud claim I submitted either. If Target changed my fraud claim submission to a general complaint without notifying me properly, I have not control over that. And again, I never received any follow-up about the fraud claim submission I made initally on XX/XX/2021, after the fraudelent interaction with the Target employee occurred the previous day, on XX/XX/2021. 

I've also attached an updated letter to be sent to Target, along with the same medical information that I sumbitted prior, and how this is causing stress for someone who is medically XXXX already too. Thank you.

Company response to consumer: Closed with explanation