| 02/13/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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On XX/XX/, I received a COLLECTION NOTICE from Total Card , Inc. showing a balance due of {$170000.00} ( pdf attached ), which included a letter address directly to me alone. This document showed the " Current Creditor '' as XXXX XXXX XXXX XXXX XXXX and the " Debt Description '' as XXXX XXXX. The communication also notes that satisfying this debt would put an end to " calls and letters attempting to collect on this account. '' However, I had never received any previous communication regarding any such debt - by mail or by telephone. I found this quite odd since we had made a permanent move from one state to another just over a year ago. I also found it odd that a debt in that amount would be in my name alone since I have been married for over 40 years and all large debts have been in both my name and that of my spouse.
Before seeing the debt description, I contacted XXXX XXXX XXXX in XXXX thinking this debt might have been associated with a medical procedure. I was informed that the hospital did not trade as XXXX XXXX XXXX XXXX XXXX and no debt or collection notice was issued by them. It was then that I noticed the debt description and became concerned that this " Notice '' might be a scam since it showed an energy company. I remember years ago that energy companies were overtaking personal accounts without permission from the owners. To further add to my skepticism, this Notice offered a savings of {$1100.00} since " Our client has agreed to accept 9 monthly payments of {$68.00} as a full and final resolution to this account! '' These payments would total {$610.00}. It also offered a savings of {$1200.00} if I - " Set up a one-time payment of {$510.00} to resolve your account in full ... '' I contacted the telephone number shown on the Notice requesting more information about this collection. I spoke with their representative, XXXX. She proceeded to ask for personal information that should have been associated with any debt incurred and I refused to comply. She said without that information she could not provide me any details. I then told her that I would be contacting our attorney, which I did.
The back of the Notice stated that I could send a written notice to Total Card , Inc. within 30 days of receipt to dispute the validity of the debt or any portion thereof. It also stated that " ... this office will obtain a verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. '' The attorney, who also believed this could be a scam, advised that I write this letter to dispute.
I wrote my letter ( pdf attached ) on XX/XX/ including a copy of the Notice and mailed it Certified Mail Receipt on the same day. My certified receipt shows a signature of receipt ( XXXX - last name undecipherable ) on XX/XX/.
On XX/XX/, I received a letter ( pdf attached ) in response from Total Card, Inc. ( no salutation ), which reads : " Please be advised we represent the above client, XXXX XXXX XXXX XXXX XXXX, who is the owner of your account referenced above.
We are in receipt of your request regarding this account. This letter is to serve as notification that we are returning this account back to our client and there will be no further communication from Total Card , Inc. regarding this matter. '' Both this letter and the original Collection Notice were signed by XXXX XXXX Operations Manager XXXX - the instructions on the back of this letter read much the same as those on the back of the Collection Notice.
I would like to know why Total Card, Inc. did not send me a copy of the verification of the debt or a copy of the judgment associated with this debt as they claimed they would when I requested same in writing. I want the documentation regarding this debt so that I can get this issue resolved because I know this is NOT my debt. I can not assume that this debt is no longer associated with my name and current address if I do not receive this in writing from Total Card, Inc. or XXXX XXXX XXXX XXXX XXXX or XXXX XXXX. I do not want this debt that I did not incur to show up again on a collection notice or worse in my future. This issue has not been resolved to my satisfaction by Total Card , Inc. or as promised by their Notice To All Customers.
I did not sent a second letter to date regarding the original creditor vs current creditor, mainly because Total Card , Inc. did not follow through by sending a copy of the debt verification or a copy of the judgment in response to my first letter as their " Notice To All Customers '' claims they would, and I have no confidence that they would follow through to send me the name and address of the original creditor even if different from the current creditor.
I know that this debt is not mine, but knowing it and having verification that this debt is no longer associated with my name and address are two different things. I would hope that I will not hear another word about this claimed {$170000.00} debt that somehow became associated with my name, but would like some sort of written verification from whoever initiated this collection that I am not responsible for any portion of this debt.
I am also concerned that this may be a scam directed at the elderly, and could very well play out as a scare tactic to force others to pay the lesser amount in order to satisfy a debt they may never have incurred, but are afraid that they may have forgotten about.
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| 09/29/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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Complaint against XXXX XXXX XXXX Credit Card XXXX I was approved for a {$200.00} credit limit increase. I received an email congratulating me on my approved increase and that my credit limit went from {$300.00} to {$500.00}. The email also stated that the increase was available for me to use immediately. Before the increase took place i had approximately {$23.00} in available credit.
XX/XX/2018-called the customer service number on the back of my credit card because when i went to use my credit card it was declined. I called twice because the first call was disconnected. After 10 minutes waiting for an answer as to why my credit card was declined, I was told that the problem was a system error and that it should be resolved in 2-3 days. I was told to call back if I couldn't use my credit card after 3 days.
I have called the customer service department 23 times since XX/XX/2018 to find out why my credit card couldn't be used. I called back and was told the issue with my credit card hasn't been resolved and that i would be contacted once it was. On XX/XX/2018 I was told, in this order, the reasons why my credit card couldn't be used : - I sent a payment through my checking account that was returned because of insufficient funds. This transaction posted on XX/XX/2018 and the amount was {$170.00}. As soon as i found out my check didn't clear, through my bank, I made a debit card payment for {$110.00} that posted on XX/XX/2018. I also made a payment of {$120.00} that posted on XX/XX/2018. I was told that I had to make a payment in order to resolve the returned check payment in order for my account to be accessed. Until I made a payment, my credit card was going to be blocked. I let them know of the payment i made for {$110.00} but I was told since that payment posted before the returned check posted, that payment of {$110.00} didn't count because it posted 1 day before the returned check payment posted. I asked where i could find this information in their policies and procedures letter and I was told to hold. I was on hold for over 10 minutes and was running late returning from my lunch break at work so I had to hang up. I called back after work to speak to a supervisor and when we spoke she told me that as soon as i made a payment to my account the block or hold would be released. She said that until then she couldn't release access to my funds on my credit card. I asked her why it took so long to investigate my account and why I received an email from the company she works for stating immediate access to my funds. I asked her which was the truth because I've read every single sentence of their policies and procedures and every document i could access and no where does it state in her companies documents that this is a company policy. Every time I called I was lied to by a customer service representative and it's been stressful to say the least. I can't believe the company she works for rewards me with an increase to my credit line but she wanted to punish me for it. I submitted a payment of {$80.00} by phone on XX/XX/2018 and was told the hold would be released. On XX/XX/2018 I called because I went to pay with my credit card and my card was declined. I was told the payment hasn't posted to my account yet but once it does then the hold would be released. On XX/XX/2018 I saw the payment posted so I tried to use my card and my card declined. I called back and after being on hold for almost 15 minutes, I was told that the payment has to be equal to or more than the payment that was returned for {$170.00} in order for the hold to be released.
I asked her name and her supervisors name and then I hung up.
Her name was XXXX and she told me her supervisors name was XXXX but he wasn't working today. I told her I spoke to a female supervisor last time and she didn't know who i was referring to.
I am very upset about this because I have never been treated like this. I have no idea why I have been lied to 11 times by the representatives for my credit card company but it feels like discrimination! There is no reason in this world for anyone to have to lie to me. If you follow your companies policies than you do the job your hired to do and you help people that are begging for help. Like I am! I really tried everything i can do, I know once i make another payment for the amount they say i need to pay now, nothing will happen and I will be lied to again! Please help! I just want access to my credit card. I've been struggling and have worked on building my credit back up since being laid off 5 years ago. This was the first reward I received since I started working again and trying to rebuild my credit.
Thank you.
Sincerely, XXXX XXXX XXXX
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| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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FILE # XXXX I have been contacting Total Card Visa and XXXX XXXX XXXX XXXX which has been acquired by XXXX, XXXX at the provided number ( XXXX ) XXXX and email XXXX for several months to resolve INACURATE REPORTING on my credit report.
My last conversation was with a manager at the company and she told me she would resolve the inaccurate reporting within 2 weeks of reviewing my case. After several attempts to reach her and 3x emails to the provided email : XXXX, I have received NO RESPONSE and nobody at the company has been able to respond to my emails or help me over the phone with my case!
1. THE COMPANY IS NOT BEING COMPLIANT.
2. THE COMPANY HAS FAILED TO RESPOND WITHIN 30 DAYS.
3. THE COMPANY MANAGER TOLD ME SHE WOULD REVIEW MY CASE AND RESOLVE IT WITHIN 2 WEEKS ON A RECORDED LINE BUT SHE NEVER CALLED ME BACK ABOUT MY CASE OR RETURNED MY CALLS THEREAFTER. SHE HAS NOT EVEN RESPONDED TO MY EMAILS ABOUT MY CASE NOR HAS ANYONE AT THE COMPANY RESPONDED OR CALLED ME BACK AFTER I EMAILED COMMUNICATIONS TO XXXX AS PER THEIR INSTRUCTION.
4. IT HAS BEEN LONGER THAN 90 DAYS THAT I HAVE BEEN TRYING TO REACH THE MANAGER ASSIGNED TO MY CASE AFTER SHE TOLD ME SHE WOULD RESOLVE THE CASE WITHIN 2 WEEKS ON A RECORDED LINE. I HAVE CALLED THE COMPANY DOZENS OF TIMES ABOUT THIS ISSUE AND NOBODY HAS BEEN ABLE TO ASSIST ME OR COMPLETE MY CASE.
5. THIS COMPANY HAS INACCURATELY REPORTED 6 MONTHS OF LATE PAYMENTS FROM XX/XX/XXXX - XX/XX/XXXX ON MY CREDIT REPORT. THIS IS NOT ACCURATE AND AFFECTING MY CREDITWORTHINESS FOR A MORTGAGE LOAN. I CLOSED THE ACCOUNT IN XX/XX/XXXX WITH A {$0.00} BALANCE AND 100 % ON TIME PAYMENT HISTORY.
6. AS YOU CAN SEE, MY PAYMENT HISTORY SHOWS 100 % ON-TIME PAYMENTS UP UNTIL XX/XX/XXXX, WHICH WAS WHEN I PAID THE FINAL BALANCE OF {$6.00} AND I CLOSED THE ACCOUNT!!!!! I CLOSED THE ACCOUNT DUE TO THE CREDIT LINE NOT BEING SUFFICIENT AND THE UNFAVORABLE $ XXXX SURCHARGE TO KEEP THE CREDIT LINE OPEN. I MADE MY CONCERNS CLEAR WHEN CLOSING THE ACCOUNT.
7. THE COMPANY IS SAYING THAT I OWE A BALANCE OF {$100.00} WHICH HAS BEEN CHARGED OFF. THEY HAVE REPORTED THIS CHARGE OFF ON MY CREDIT REPORT AND REPORTED THAT I HAVE NOT PAID THEM FOR A TOTAL OF 6 MONTHS IN XXXX. THIS IS INACCURATE!!!!!!
I DO NOT OWE A BALANCE AND I HAVE PAID ON-TIME SINCE I OPENED THE LINE OF CREDIT UNTIL XX/XX/XXXX, WHEN I CLOSED MY ACCOUNT. THEY HAVE NOT ACCURATELY REPORTED THAT MY ACCOUNT WAS CLOSED IN XX/XX/XXXX WITH 100 % ON-TIME PAYMENTS.
THE COMPANY CHARGES $ XXXX TO KEEP THE ACCOUNT OPEN. I CLOSED THE ACCOUNT IN XX/XX/XXXX AND HAD A {$0.00} BALANCE AFTER I PAID THE LAST {$6.00} SURCHARGE.
THE INACCURATE AMOUNT OWED OF {$100.00} THAT HAS BEEN CHARGED OFF IS NOT A BALANCE OWED FROM ME USING THE CARD. THIS BALANCE IS FROM THEIR $ XXXX SURCHARGE AND LATE FEES INCURRED FROM MISSING XXXX PAYMENTS!
BUT I CLOSED THE ACCOUNT IN XX/XX/XXXX!!
I SHOULD NOT HAVE GOTTEN THE {$6.00} SURCHARGE PAST XX/XX/XXXX!
1. I CLOSED THE ACCOUNT WITH 100 % ON TIME PAYMENTS IN XX/XX/XXXX BUT MY ACCOUNT REMAINED OPEN FROM XX/XX/XXXX - XX/XX/XXXX WITHOUT MY KNOWLEDGE WHICH IS THE FIRST ISSUE.
2. THE SECOND ISSUE IS THAT THEY CHARGED OFF $ XXXX + LATE FEES FOR 6 MONTHS AND REPORTED IT AS A CHARGE OFF AND IT IS HURTING MY CREDIT AND THIS IS ALL INACCURATE!
3. THE THIRD ISSUE IS THAT THEY HAVE FAILED TO RESPOND IN A TIMELY MANNER AND HAVE BEEN COMPLETELY UNABLE TO RESOLVE THE ISSUE IN 30 DAYS, 60 DAYS, OR EVEN 90 DAYS!
After going over my credit report with my lender for my XXXX XXXX mortgage, we discovered the payment history on this account has been reported INNACURATE and the account REMAINED OPEN AFTER I CLOSED IT IN XX/XX/XXXX.
I have had PERFECT PAYMENT HISTORY with all of my credit cards and I paid off my auto loan in XXXX and THE INNACURATE REPORTTING here does not reflect my habits as a consumer.
I need to overcome this to get a mortgage for my family!
Please work with me!
Please call me at XXXX to resolve this.
I'm really in a rush to purchase my home in XXXX XXXX XXXX XXXX and I need to fix this!
Thanks, XXXX XXXX
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| 06/02/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
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I was working with XXXX XXXX to resolve a debt issue. It started out good and I did not hear from them. I received 2 calls I did not get a clear message the first time. The second live call I returned the person on the other end extremely rude and unprofessional. Kept hanging up and telling me get a hobby laughing demeaning behavior. Scolding me for correcting the pronunciation of my name. Got me so worked up although the agent that was working with me knows I have XXXX XXXX that also affects my XXXX XXXX I kept trying to get my rep handling my account. She eventually charged a card used previously for an amount she decided without my authorization or consent as payback. Finally hours later I got another representative that said that a request was put in for a supervisor and they will reverse the charge and report my debt on my credit report. NOTE : We have a verbal agreement if I settle the debt they do not report to the credit bureaus. I have a small balance which the lady used as a weapon to hurt my credit because of her personal attitude. Debt collection is not a weapon it is a form of remedy to a financial breakdown between the creditor and consumer. They should be accountable and held in the same responsible standard as any other firm in this country. With XXXX complaints how can they continue to operate without accountability. Consumer are HUMANS we are not to be treated as animals or objects but as people. They are responsible for maintaining agreements, providing valid information and using respectable forms of communication to initiate, execute, and close situations on behalf of a creditor PERIOD! Disrespectful, demeaning, rogue, mental abuse, cooersion, discrimination should be punishable with fines and operating abilities. Threats are threats and are illegal in any context. Dishonoring an agreement should be held accountable not only in the case of a consumer but for a Collection Agency. My agreement was violated by XXXX XXXX and my credit file should not be the Collateral Damage. They need to collect my balance agreed by the form of payment I agreed to and not help themselves to any account of their choice. The abusive agents need to be held responsible for their actions. This has to end. I do not want anyone else to suffer from what is happening to me with this company. A manager is the only one who can resolve this because the representatives seem to have forgotten their roles and it is only on a management level that they will be reprimanded, held accountable, retrained if an option or released if this is not their first formal incident. My voice is my situation but a growing epidemic with XXXX XXXX. This is my formal declaration or call to their being held ACCOUNTABLE FOR DISCRIMINATORY AND UNETHICAL practices. I have attached proof with the exception of the others the payment charged yesterday was not agreed, permission not requested when I called later in the day after being hung up and told off earlier I was threatened that the payment will be reversed we will report the entire debt to your credit report. No, I have a right to select the payment method and amount as our original agreement I would pay at least but not less than {$50.00}. The rep. would call me every month for a payment. The XXXX XXXX who charged the card to spite me is not my original representative. She I will say was professional, informative, surprisingly concerned and treated me as a human.
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| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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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.
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| 12/31/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I have 3 separate outstanding issues that I am unable to resolve with this credit card issuer.
Firstly, I was issued a credit from XXXX XXXX XXXX for a return I had made in the amount of {$160.00} on XX/XX/XXXX, the issuer has this credit on hold for no reason. I have called no less than 10 times, and have faxed them a copy of my credit receipt only to have my requests go unanswered. They never once reached out to me to advise this credit was being held!
Secondly, I was awarded {$76.00} credit on my XX/XX/XXXX statement for 2 fraudulent transactions which occurred in XX/XX/XXXX and XX/XX/XXXX. The next day they debited the credit from my account, simply crediting it as an interest payment earned by their company.
I was once again charged {$76.00} randomly on my XX/XX/XXXX statement ( Attached ) as a result of my constant attempt to recover the money I was due. They have no Fraud Department or Knowledgeable Management available to assist, which at this point seems to be a part of the deflection. I feel they hope you give up, as all Representatives pretend not to have a clue as to what you are calling about and always have the generic answer " I'm so sorry but you can't talk to the fraud department, I am the Manager, Sorry I am unable to resolve your issue satisfactorily. '' You can try sending a letter to our PO BOX or Faxing in your concern.
Also, not only do they not process fraud charges when reported, they continue to collect monthly interest on reported fraud charges while giving you the run around why they can't process the claim ( affadavits not received, can't read fax etc ). ( I have 10 fax confirmation sheets showing the document was received each time ). I've also called weekly 20 phone calls on this issue alone. They never ONCE reached out to me to resolve.
They habitually fail to credit interest which they happily compound monthly on all charges, including fraud, which should be removed from active billing while being investigated. In this instance I received 2 small credits {$.00} &. {$94.00} credit in XX/XX/XXXX when they issued my {$76.00} credit before reversing it the next day as Total Visa Income.
Regarding this issue, I am owed 13 months interest in addition to the {$76.00} which to date I have not received plus interest. {$76.00} + {$24.00} interest = {$100.00} due Finally, I had one final fraud claim due to identity theft, of which they credited me back for only 1 of the 8 total transactions disputed together. Again, interest not credited for the 1 which was properly reversed.
The outstanding claimed fraudulent transactions are as follows : XX/XX/XXXX {$14.00} XXXX - 2 months interest due on charge Fraud not processed ( included in original claim ) : Attached XX/XX/XXXX {$34.00} XXXX XX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$4.00} XXXX XX/XX/XXXX {$13.00} XXXX XX/XX/XXXX {$14.00} XXXX XX/XX/XXXX {$11.00} XXXX XXXX XX/XX/XXXX {$6.00} XXXX XXXX XX/XX/XXXX {$1.00} XXXX XXXX {$110.00} FRAUD + 7 months worth of INTEREST Due I have attached : XXXX XXXX XXXX Credit Receipt XX/XX/XXXX Statement NOT indication XXXX XXXX on Hold {$76.00} Credit Issue/Reversal XX/XX/XXXX Transaction History XX/XX/XXXX {$76.00} Recharge of credit supposed to be issued Letter Confirming Fraud Claim Investigation in my favor Original Fraud Affadavit - XX/XX/XXXX
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| 06/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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On Tuesday, XX/XX/XXXX, I called the number on the back of my XXXX credit card. It was at approximately XXXX. The purpose of my call was to see if I could set up an arrangement to pay my bill ( {$38.00} ) on XX/XX/XXXX, instead of it's due date ( XX/XX/XXXX ).
The representative set me up with a 'promise to pay '. While the representative was setting up the arrangement, I told her my biggest concern was if this payment would be reported as a late payment to the credit bureaus. The agent assured me that it would not be reported as a late payment to the credit bureau because I was setting up this arrangement. I also asked the representative if I would receive an email confirmation of the payment arrangement- the representative said yes, I would receive an email confirming the arrangement we had set up. The representative asked me how much I could pay on the XX/XX/XXXX, and I told her I could commit to my minimum payment of {$38.00}. The customer stated she completed the 'promise to pay ' and we disconnected the line. This call was recorded.
Today, XX/XX/XXXX, I called the same number on the back of my card because I saw a declined charge for {$38.00} from XXXX on my debit card. The representative I spoke with stated that even though an arrangement was set up, my automatic payment would still attempt to go through on the due date ( XX/XX/XXXX ) and if it declines, I would be issued a {$27.00} late fee and my payment would be reported as late to the credit bureaus.
I requested a supervisor. The supervisor stated that she saw all of the information that I was advised notated in my account. THE SUPERVISOR CONFIRMED THAT SHE SAW THE PROMISE TO PAY AND CONFIRMED THAT THE PREVIOUS REPRESENTATIVE NOTATED WHAT I WAS ADVISED ( about not reporting the payment as late as long as it was paid on XX/XX/XXXX ) AND THAT IT WAS MISINFORMATION. The supervisor apologized for the last representative giving me misinformation. The supervisor confirmed that I would, indeed, be receiving a {$27.00} fee and if my payment was received by XXXX Central Time today ( this conversation ended at XXXX Central Time ), it would be reported as late to the credit bureaus when they report on XX/XX/XXXX. I asked the customer what we would be doing about the fact that I was told that an arrangement had been set up, nothing was said about any sort of fee, and that I was specifically told my payment would not be reported as late ... the supervisor said all she could do it coach the representative on the misinformation she provided.
This is not acceptable. I feel that the information I was given was not only misinformation, but it was outright deceitful. I was given completely false and inaccurate information, and if you listen to my recorded phone calls- you will see that I was SPECIFICALLY told that because I was doing a 'promise to pay ', my payment wouldn't be reported as late as long as I did what the agreement said which was to make my payment on XX/XX/XXXX.
I should not be punished for the failures of a company in regards to setting proper expectations for the employees in regards to provide truthful information and this payment should NOT be reported as late to the credit bureaus.
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| 10/25/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Total Card Visa charged off balance of {$380.00} Allegedly opened on XX/XX/2016 ( Account showed on credit report before the open date. Open date has changed many times. ) This company has adamantly refused to delete a fraudulent charged off credit card account from my credit history. I have submitted all necessary documentation to this company to prove that I never opened this account on several occasions but they claim every time they are holding me accountable. They have absolutely no proof that I opened this account, no proof that I made any payments on it, and no proof that I made charges to the credit card. There is no signature on the alleged contract and they failed to verify the identity of the individual who applied for this account. They confirmed on a recorded line that they never verify the identity of anyone who applies for credit cards online. They do not have a single law they can use to support this account remaining on my credit history. They have ignored numerous letters that I have sent them in the process of verifying this debt and they are unapologetic about the level of inconvenience that they have caused me.
They are committing extortion by reporting this account on my credit history in an effort to coerce me into paying them money that I do not owe. They are defaming my character on my credit history by falsely reporting this account and it has caused irreparable damage to my integrity. I have been denied for credit, car insurance, jobs, and places to live because of this company. They have been completely uncooperative in having this matter resolved in a timely manner and the supervisors are negligent in managing their staff. Without a signed contract, they can not hold me accountable for anything. They have shared my personal information with 3rd party companies in this process, which increases the risk for more identity theft. I have never authorized them to run my credit report or obtain my personal information. They have never obtained a copy of my ID until sent it to them in the mail demanding that they delete this account. This company is making clear efforts to harass me and they have put my livelihood and reputation in danger due to their willful noncompliance, willful negligence, willful violations, and creditor misconduct.
Louisiana RS 1122 under Credit Agreements to be in Writing says a debtor shall not maintain an action on a credit agreement unless the agreement is in writing, expresses consideration, sets forth the relevant terms and conditions, and is signed by the creditor and the debtor.
I have sent this company an Affidavit of Identity Theft, a copy of my ID, a copy of my social security card, as well as a notice of a fraud to verify that I have never authorized this account to be opened. When I called to check the status on this, they either say we are still holding you accountable or we have not received those documents. This company is abusing the dispute process in efforts to harass me and they have no regard for the problems that I have incurred as a result of their willful violations. Please instruct this company to delete this debt off of my credit report immediately.
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| 09/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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A debit card payment was made XX/XX/2019, to rectify a past due balance. The payment was well over the past due amount. Upon taking the debit card payment, representative, " XXXX '', failed to inform me there would be hold although payment made via debit card. Additionally representative stated after me asking, that funds would be available the next day, XX/XX/2019. However, that was not true. After several declined {$61.00} attempts, then finally reaching a supervisor " XXXX, '' was I then informed of the hold. Explaining the situation to supervisor " XXXX '', I requested for the call to be pulled to demonstrate representative misinforming me AND lack thereof. Hold was eventually " lifted '' Tuesday, XX/XX/2019, after ASSESSING fees elsewhere, for the same type of transaction, in the amount of {$320.00}. A difference of {$260.00} from the initial declined authorization from which original debit card payment derived. On XX/XX/2019, I spoke with supervisor, " XXXX, '' who stated did not " see '' any notation for the request of call being pulled on XX/XX/2019 for a credit of the difference. Was again informed, in order for a credit to be issued, the call would have to be pulled and reviewed. A 2nd request ws then sent to " a higher up, '' XXXX, who would be, " giving me a call back within the next business day. Spoke again with supervisor " XXXX '' on the evening of XX/XX/2019, in reference to not receiving phone call from " XXXX. '' Whereas " XXXX '' responded he would again send over, now a 3rd request for the original call to be pulled and reviewed. On XX/XX/2019, still not in receipt of returned call, spoke with supervisor, " XXXX '' who stated no action had been taken, she was forwarding yet a 4th request, and if fee and/or charges were accrued outside of this card, credit would be issued, if proven it was an error by representative, however, not before review of call. Again told the same by another supervisor on XX/XX/2019 upon status check. On XX/XX/2019, XXXX whole days after initial request, a " higher up '' XXXX finally reached out to me. She informed me she pulled and reviewed the call, to find their representative, " XXXX '' had in fact failed to inform me of the hold, prior to taking payment, as well as, relaying false information even after my credit availability inquiry. " XXXX '' went to say that I was given incorrect information as to being credited for any expenditures, and they would " coach '' the representative. I explained to her, I am XXXX and due to their representatives error I was forced to spend and extra {$320.00} of my XXXX livelihood benefits. To date taking a total loss of {$570.00} of which I have to purchase much needed medications. So not only was I lied to, mislead, mishandled, and disregarded, Im now forced to physically suffer, at the hands of their representative, AND several supervisors. I ended the conversation informing " XXXX '' I will be contacting to include, but not limited to government agencies, with my formal complaint
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| 05/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have recently begun the journey of monitoring my credit in efforts to better the life of me and my family. As a single mother my credit and my finances are very important to me. I noticed an account with a company called XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX. This company is reporting an unpaid credit account through a collection called Total Card , Inc . I have never heard of either of these companies nor have I received any of their services. Unfortunately, this is a fraudulent credit card obtained using my personal information without my knowledge or my permission. Upon learning of the situation all credit bureaus have been notified. An FTC identity theft report has been filed, as well as a police report. This alleged debt does NOT belong to me. I have never requested their services. I have contacted this company on several occasions and have been blatantly IGNORED AND I AM DISGUSTED. I have mailed documents to several of their addresses I could locate, and instead my investigation of this fraudulent account has been closed. HOW? I sent on XX/XX/XXXX certified letter with return receipt the following : Notarized Identity Theft Affidavit/ Fraud Account Statement, Police Report, Proof of my address from the time the fraudulent account was opened and a Notice To Furnishers ( FCRA ). However, this company Total Card Inc closed my investigation. EVEN AFTER THEY SIGNED FOR MY DOCUMENTS onXX/XX/XXXX. WHY???? Per the FCRA section 623 imposes the following duties : All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Failure to comply on your part will result in a citation for FCRA Section 15 U.S.C. 1681s-2. I am also protected under Texas Identity Theft Enforcement and Protection Act through the Office of The Attorney General. I am taking the matter very seriously and I appreciate all assistance/ cooperation from your establishment. I have attached all related documents to this complaint as proof. Delete this account immediately or legal action will be taken.
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| 03/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
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XXXX - After checking my XXXX XXXX account online I came across a change that was reported by one of my creditors, Total Credit Card by XXXX XXXX XXXX , stating that my credit card account with them was " closed. '' XXXX - I instantly contacted Total Credit Card and spoke to a Supervisor by the name of XXXX XXXX XXXX ). She stated that the account was closed on XX/XX/2023 because a credit repair agency reported a " fraudulent application claim '' regarding my account, therefore, they ( Total Credit Card ) decided to close the account. I shared with her that the date I came across was XX/XX/2023, not XX/XX/2023. She didn't respond. Call ended! XXXX - I received a correspondence in the mail, dated XX/XX/2023, from Total Visa Card , stating the completion of their investigation and their decision to close my account due to " my fraud application correspondence '' received. I'm extremely disappointed with this creditor. I have never initiated such, and there's nothing that I've disputed of this magnitude that involves any type of fraudulent application on my behalf. I've not dismissed or disputed ownership to this account. I applied for this credit card account, in hopes to assist in building my credit history and credit score. But, after receiving such a disturbing and disruptive correspondence in the mail, I'm lost for words regarding something that was intended to help me moving forward. XXXX to the present & ongoing - This closed account, which was supposedly reported only to XXXX XXXX not XXXX and XXXX has impacted my credit & credit score negatively. The account balance was being paid down recently, but Total Credit Card is reporting an increase of {$180.00} which also increased the credit utilization by 17 %. And because of this, my credit score instantly dropped a -38 points due to this false reporting. This false reporting has caused me great damage to my credit overnight. It's frustrating to try and get back to normality when all of a sudden, without any notice, my account with Total Credit Card closes and there are mixed signals circulating in all directions, not knowing what's going on. Total Credit Card closed my account behind a reason that I have not initiated or took part in. I have no knowledge of these accusations ( fraud application correspondence ) that were set before me and caused my account to close, and my credit report/credit score to be damaged and affected negatively. ****I have never came across such a callous group of people. It's striking to see how insensitive these people are. They have control issues over your credit and what they're able to do to intentionally destroy you, even with false claims. They will go through any measure of impacting your life, negatively and drastically, if they're given the authority as a creditor, abusing the system.
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| 02/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Company closed your account
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Web |
Servicemember |
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I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in regards to my available credit was updated due to I made a payment of {$330.00} on XX/XX/XXXX, which is the due and was made before XXXX so the payment would post the next business day. I checked my credit availability on XX/XX/XXXX online and only the balance was updated and not my credit. I contacted customer service and the representative told me that my account was closed because my payment was past due which was incorrect and was not due until XX/XX/XXXX. I informed the representative that I made a payment of {$260.00} between XX/XX/XXXX-XX/XX/XXXX by check and the payment has normally posted the next business day when I made payment by check and becore XXXX and this time it did not happen and was told it will take 10 or 14 business dsys to post. I gold the representative the payment has already cleared my bank and she advised if i can get a letter from my bank zhowimg the amount XXXX has cleared it can still take 5-10 business days to post to the account, which I still could not understand. So I asked the representative if she could just stop the check payment/reverse it so that I can make a payment with my check debit card. I did not make a payment with my debit card the first time because you can't make a payment until after 5 business days ypu made your last payment eith that debit card. So the representative told me to contact my bank to have them stop payment on the check because I wanted my payment to post right away. I wasnt late or past due because my payments are due the XX/XX/XXXX of the month. I was never advised of my acvount status via email which they have contacted me before when my credit card was compromised by XXXX. Then I requested to speak with a supervisor by the name of XXXX and she told me my acvount was closed due to the payment eas reported by my bank as unauthorized. I informed the supervisor that I did not and reauested that she listened to the revorded call I had with the represenative when she advised me to contsct my bank to stop payment on the check. The supervisor then stated that I would need to get a letter from my bank statimg the request was only a stop payment but that does not guarantee my credit account would get opened back up it wpuld be up to the underwriter. I stated to the supervisor that is not fair and how could you close my credit card acvount without contacting me by email or phone call and I have not received a letter to make sure this was an error and would close my account after I have bern with them over 4 years. The supervisor then begin to say they have the right to vlose my account, and did not attempt to escalate but would rather lose a consumer with false imformation and not sympathizing but only making the company look justified in what was done.
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| 11/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from TOTAL CARD INC. that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b.
The billing statement I received by TOTAL CARD INC. on XX/XX/2021 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter.
15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done TOTAL CARD INC. can not report late payments in accordance with regulations of the XXXX CFR 1026.13 ( d ) ( 3 ). If TOTAL CARD INC. reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately.
TOTAL CARD INC. as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by TOTAL CARD INC. will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for TOTAL CARD INC. for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error.
with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
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| 09/20/2022 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am trying to close on a house and over the last year, I have been repairing my credit. I called XXXX XXXX because my lender saw a collection on my credit report that was charged off. When I called the first two times, I was told that i must have the wrong credit card company because there was no record of my collections account there. I had my lender send me a screenshot of what they were seeing and sure enough, it was an account with XXXX XXXX. So I called back and asked to speak to a manager. Finally a manager was able to verify my collection account and got me over to XXXX in Loss Mitigation. XXXX verified my account and I offered to pay it in full IF they would send me a {$0.00} balance letter THAT DAY for my lender. She said I would get one emailed to me immediately because the payment will trigger that automatically. So I paid the account in full- {$410.00} paid XX/XX/XXXX acct ending in # XXXX XXXX XXXX Payment Confirmation # XXXX I asked when I would receive the letter and again, XXXX said to give it XXXX minutes and that if I didnt get it, to call back. Didnt get the letter over an hour later, so I called back and asked to speak to XXXX I was told no one could send me to her and that, AGAIN, the account I just paid off, did not exist. I was hung up on 3 times before someone gave me to a manager and they got me over to someone who claimed to be XXXX manager. When I asked where the letter was, she said Oh well XXXX didnt tell you that it takes up to 2 weeks for your payment to post so you will receive a letter after your payment posts. I was furious. I told them I was going to lose my house if they didnt send me a letter ASAP. They said theyd try to escalate it. Well, I never received the letter and my first mortgage got denied.
I have called back and disputed the account MULTIPLE times always with the same result. I have uploaded screenshots from my bank account where I paid the account in full, as well as the payment confirmation number, and the entire story and everything employee Ive spoken to to NO AVAIL. I even took to social media, emailed the CEO of XXXX XXXX and then finally, 3 DAYS BEFORE MY CLOSING, they responded to my credit dispute on XXXX and REPORTED MY ACCOUNT AS {$410.00} CHARGED OFF IN XXXX OF XXXX!!! I PAID THE ACCOUNT IN XXXX!!! THIS IS FRAUD AND THEY ARE RUINING MY LIFE!! MY FAMILY COULD BE HOMELESS BECAUSE OF THEIR CRIMINAL ACTS!! Im filing a lawsuit against them and they should be receiving a letter from my attorney this week but they need to be SHUT DOWN FOR GOOD!! Please help the public by investigating and shutting them down! They are a DANGER to the American people!!
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| 10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been dealing with an Ongoing Error In Payment History Reporting with XXXX XXXX listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. I have to file a complaint and contact this company almost every month regarding their errors. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX once again as of their last update as of XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXXto XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXX to his email of XXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgently need a permanent fix to this issue.
|
| 10/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX Total Card Account # : XXXX XXXX XXXX XXXX In reviewing my payments and credit report , I discovered Total Card , Inc. ( XXXX XXXX that is now XXXX XXXX XXXX ) is incorrectly showing reports of late payments in the following months : XXXX AND XX/XX/XXXX.
Back in XXXX, I switched over and applied for automatic payments with their system at the time ( vs my bank ), but they had NOT taken effect unknowingly due to some system upgrade or glitch they had with taking automatic payments on a long-term recurring basis. They admitted to this fact at the time. I had since corrected this with XXXX XXXX at the time, got refunded fees, and have since paid automatic payments through my bank on time. However, this information is still incorrectly reporting on my credit report.
Ive spoken with the bank about this in the past on a plethora of cases. I've written, called, faxed, and disputed with EACH credit reporting agency several times over the past few years but to no avail.
In my last attempt, XX/XX/XXXX, I was misled in believing another " review '' was going to be done. I then received a letter that claimed they reviewed the very same day, but they provided no details into what was checked or what research was done. The letter was dated the same day as my follow-up call.
Based on my last conversations with Total Card, they confirmed that they are NOT doing a real investigation. They are only looking at what the system says ( which is wrong ), and simply passing that along as their " review '' to the credit bureaus. They are NOT interested in reviewing the accuracy of their own system or happenings ta the time of my dispute.
As a very last straw for me, per my conversation on XX/XX/XXXX, their supervisor ( " XXXX '', Badge ID XXXX ), stated they looked at my statements from XXXX and then just submits that as a review. In the same breath, when I ask him for my own statements to counter their review, he states they can not guarantee to provide this information and even attempts to tell me that if they do, it will cost me {$3.00} per statement to provide. He is telling I will have to pay for statements, that they MAY or MAY NOT provide, that is also INCORRECT, yet was claimed this is the very information they used for their " review ''.
I have tried to diligently work with the credit servicer, but I now strongly believe they are not taking my issue seriously, and giving me the runaround. These incorrect strikes on my credit report are hindering me from getting the financing/rates I should. This is brought up every time I apply for financing or credit.
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| 08/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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My name is XXXX XXXX XXXX. I am submitting this dispute on behalf of myself against Total Card Inc. The correspondence below has been received by Total Card Inc., via certified mail and their inability to cease reporting and delete said account from my consumer data files is the basis for this complaint. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use E-OSCAR software that does not complete thorough investigations and is in direct violation of FCRA 611 ( a ) ( 2 ) ( A-B ). I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in FCRA 623 ( b ) ( 1 ) ( A-E ). It is your responsibility as a data furnisher to adhere to the above federal regulation in regards to the reporting of such updated account info. I recently paid this account in full as part of a settlement with the collection agency XXXX XXXX XXXX, yet this account still reports as a charge off and shows erroneous and erratic/unknown reporting that I have attached to this complaint. This is a major violation of FCRA 623 ( a ) ( 1 ) ( A-B ) since the account can legally no longer be reported as a charge off as the account has been written off, and its status has been changed to paid. It is also Total Card Incs duty to correct and update this information under FCRA 623 ( a ) ( 2 ) ( A-B ). Please update the reporting of this item as paid and remove any further charge off reporting. If this change is not seen on my consumer data files and if youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by FCRA 623 ( b ) ( 1 ) ( E ) ( ii ), to advise the credit reporting agencies, XXXX XXXX, and XXXX and all other secondary credit reporting agencies to delete this negative information from my credit reports, which can also include complete removal of the account. See attachments.
Failure to adhere to my request would make me, XXXX XXXX XXXX, due compensatory damages pursuant to FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] & 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. All correspondence should be sent to my attention at the above address.
Account identifiers : XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
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| 08/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I have been dealing with an Ongoing Error In Payment History Reporting with Total Visa listed as XXXX XXXX XXXX XXXX XXXX on my XXXX and XXXX Credit Report. On my XXXX and XXXX Credit Reports, my account is showing an erroneous 30 Day Late Payment now in XX/XX/XXXX. However, there were no late payments in XX/XX/XXXX at all. Prior to the company 's last update in XX/XX/XXXX the listing was showing correct with zero late payments listed at all. The error was resubmitted when they did their last update and added a 30 Day late payment in XX/XX/XXXX. As of XX/XX/XXXX when they attempted a force update to correct the error, they changed the 30 Day late payment from XX/XX/XXXX to XX/XX/XXXX on both XXXX and XXXX. Although they keep making these errors they insist on me sending them copies of the errors that they have made to my report which I have done although they have the ability to do a soft inquiry which does not affect my credit score to look at what they are reporting. I have spoken with numerous Customer Service Representatives, Managers, and Supervisors from this company. The last Supervisor that I spoke with was XXXX XXXX on XX/XX/XXXX requested me to forward the emails that I had originally sent to the company 's main email address of XXXXXXXXXXXX to his email of XXXXXXXXXXXX. I did and he advised that he would get the issue corrected. However, as of whatever he or a company representative did I am now showing an erroneous 30 Day Late Payment in XX/XX/XXXX as of their update on XX/XX/XXXX. I attempted to contact XXXX on the telephone number that he provided and it advised that the number could n't take calls. I then emailed him again on XX/XX/XXXX and have yet to receive any response. I am tired of dealing with this issue as it is negatively impacting me, my credit score, and credit reporting as the company has a duty and obligation to report accurate information an in every instance that I make them aware they are reporting an error they have acted as if it is not a big deal. This issue was also causing me to be denied for a credit limit increase but as of last month I finally received my first credit limit increase. I have notified the company of this error multiple times via email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Whenever the issue is corrected, they make the same error all over again and take me through the same process. I am in the process of purchasing a home which makes this worse and urgent.
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| 05/22/2015 |
Yes |
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Web |
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Several items in dispute are not resolved with Total Card inc, numerous complaints have been filed against them and nothing done/resolved. The XXXX ( XXXX ), Attorney General of South Dakota, South Dakota dept of banking, have all unresolved complaints against them. Their rep, XXXX XXXX, claims the findings of their investigation were provided to me which is not true. The last information reported to me is the items were charged back to the companies, according to XXXX in fraud. I have heard nothing since. Again, no findings were reported to me because they were not investigated. XXXX was advised XXXX of the companies, XXXX, did issue credit then recharged the account for the same amounts credited. As for the amounts of XXXX both from XXXX XXXX, XXXX was also advised that product/service was not received for either transaction. She stated all charges would be charged back to the companies, this is the last bit of information I received. I wish to reiterate, I was NOT provided any results of findings as again, they were not investigated beyond the point of charge back. it appears XXXX XXXX response is a carbon copy of her last response to the Attorney General complaint, which is also unresolved. She did not state what supposed findings are, just that they were supposedly communicated to me. She further stated I agreed to close the account, which is true, but did not agree to drop any remaining or pending disputes. It appears Total Card is implying they are no longer required to dispute the items further since the account is now closed, XXXX will be notified of this. The credits she refers to are for another disputed item, XXXX from XXXX at XXXX XXXX. This is an incidental deposit for a hotel stay, there was a disagreement over supposed charges made to the room ( s ). The other credit, XXXX, brought the account to XXXX. Please note, these credits were not accepted as matters resolved for the disputes mentioned previously, they do not cover the total charges in the amount of XXXX. As stated in previous complaints, Total Card does nothing to dispute any charges, just a pointless XXXX way conversation with merchant that goes nowhere. Obviously, I would not dispute items unless I already attempted to resolve them directly with merchant, the first step in a dispute process. Please do not mark this as duplicate, the issues are not addressed or resolved.
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| 06/18/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX allowed someone to fraudulently open an acct in my name. The account was opened in a state I do not reside in and an address I've never resided. I filed a police report and have previously called XXXX 's cooperate office and spoke to them. I also went into a local office and discussed this. They admitted to not having any of my personal information on file but having numerous signatures of others on the account but not mine. XXXX deleted the negative account from my credit once they knew it was not me only to sell it to a collection agency. Now, Total card inc., on behalf of XXXX XXXX XXXX has placed it back on my credit and requesting funds. I disputed it online with XXXX and I was notified that I had to request a dispute in writing from the other two credit bureaus. Once the debt was verified with XXXX via online dispute, I received a notice in the mail from Total Card , Inc. stating they are representing their client XXXX XXXX XXXX. This is the first I am hearing from either of them due to them not having any information for me which lets them know I am the wrong person. The letter states it is a collection notice and their client has agreed to accept 12 monthly payments of {$150.00} as a full and final resolution on this account. Why would I pay half of something that does not belong to me? I have sent a debt validation letter via certified mail to Total Card Inc., but I have read online through the XXXX that people said their letters were returned to sender from Total Card Inc. I want this handled in a timely manner as I only get 30 days to dispute and I sent it with 10 days left to dispute. On my credit report it says this was opened by XXXX XXXX XXXX on XX/XX/XXXX. Original creditor name : XXXX XXXX XXXX. The balance is {$3400.00}. I would like this removed from my credit report as it is not my debt. There is no legal binding contract connecting me to this debt nor any of my signatures or ID. I have only had XXXX XXXX XXXX cellular service since XX/XX/XXXX. I would also like the address reported to the credit bureau in connection to this by XXXX XXXX XXXX be removed. I have never lived/resided there and there is no verification/validation that can link me there. This is all false information reported and is affecting my credit negatively.
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| 06/19/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received a collection notice from a business that claims to be a debt collector. They are supposedly acting on behalf of another business, which is shown on the notice I received to be the " current creditor ''. The notice also shows another business as the " original creditor ''.
I never received any type of notice from either of these XXXX businesses telling me that I owe them anything. It is because of this that I do not believe this is an actual debt. It is most likely a fake debt that this " debt collector '' is using to collect money for themselves.
The notice shows me owing {$960.00} to XXXX XXXX XXXX, which is shown to be the current collector. It also names XXXX XXXX XXXX as the original collector.
I am told in the notice that I have XXXX different ways I can pay off the amount I owe. I can make a one-time payment of {$290.00} and settle my payment in full. Doing it this way would save me {$670.00}. It also shows me being able to set up a payment plan of {$57.00} every month for six months to pay off the entire amount due. My final option would be to pay the amount I decide I can afford to pay monthly, which would have the entire amount repaid after the number of months needed to pay off the entire {$960.00}.
The name and address of the business claiming to be this debt collector is : Total Card , Inc .
XXXX XXXX XXXX XXXX, SD XXXX # : XXXX is also stated that I have thirty days to contact Total Card, Inc. to dispute this notice. If they are not contacted, this notice will be considered valid.
The notice also says that the company they are representing will not be able to sue me because of the age of this debt, but it does not show me anything regarding any previous transaction date for any type of business that was done for me by XXXX.
I have already filed a complaint with the XXXX regarding this notice, and my response back from them mentioned you as another agency that I can contact regarding this debt collection and whether this attempt to collect a debt is even considered legal.
I have kept the original notice that I received from this company, along with both the envelope it was sent in and the return envelope. I would like for you to contact me back to let me know if you feel I should send you this information.
|
| 11/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed an original complaint against XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX regarding a wrong reporting 30 day late pay on the credit card account complaint number XXXX. ( I have also attached the email confirmation for this ) On XX/XX/XXXX I was emailed by CFPB stating that my complaint will be referred over to the Federal Reserve ( I have also attached that email ) On XX/XX/XXXX I received an email ( attached ) from the Federal Reserve stating that they received my complaint from the CFPB and that it can take up to 60 days to resolve. Fast forward to XX/XX/XXXX I received an email from XXXX XXXX from the Federal Reserve stating that the investigation of my complaint has been completed. ( attached email / Letter of result " I highlighted the key words here '' ) on the letter dated XX/XX/XXXX XXXX XXXX told the Federal Reserve that they are reporting my account closed across all 3 credit bureaus. ( which I highlighted in attachment ) This is false and it continues to report open. I advsd XXXX of this and she proceeded to ask me why the bank returned the payment which I responded why ( all attached ) and she never addressed the fact that the account was still reporting open. I gave it some time so fast forward to XX/XX/XXXX I emailed XXXX advising her that XXXX XXXX was still reporting my account OPEN on my credit report ( email attached ) so she can see the company was lying and not reporting correctly. She did n't respond to the email but she did call me about a week or so later advising me to give it some time to update ( at this point it was 43 days since the Federal Reserve later stated the account should be showing closed ) Im aware it can take 30-45 days to update a report sometimes even 60 days, so I waited. 60 days would be XX/XX/XXXX. Fast forward to XX/XX/XXXX I checked my credit report ( attached ) and as of todays date the account is STILL showing open. I emailed XXXX to update her. But I have also attached all correspondence. At this point I just want this account REMOVED for reporting incorrectly. Per the FCRA any inaccurate information reporting MUST be deleted. They continue to report when I no longer have business with them and they themselves said the account should be closed.
|
| 01/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
The credit account was opened, in XX/XX/XXXX after a solicitation was sent to my home address. there was a required processing fee and annual fee, that came directly out of the initial credit limit of {$300.00}. The first months payment was made in full, and on-time XX/XX/XXXX. An automatic payment schedule was created, to pay the entire statement balance that was to take place before the due date, of the XXXX of each month. After using the card, and accumulating a balance due on the XX/XX/XXXX bill, I continued to check to see when the automatic payment was going to take place. On the XX/XX/XXXX, I checked, and did not see the automatic payment going through, so I made a payment using my debit card, to ensure no late payments on the account. Shortly after making the debit card payment, I received an email, stating that the automatic payment was going to take place, and that there was nothing I could do to pay it. two payements were made, in the amount of XXXX on XX/XX/XXXX, which over-paid the account.
On the XX/XX/XXXX, I checked my account, and noticed that NONE of the funds I had paid, were available, to find out that the accounts restricted as a result of the overpayment. I instructed the company to close the account, and send me a refund. They stated the account would be closed. I called back 3-5 days later, to inquire about when they would be sending me a refund check for the overpayment, to find out the account had not yet been closed. the funds from the ACH automatic payment, had not been verified, and took up to 21 business days. after a long phone call, I was finally able to get the to verify the funds with my bank, who verified that the funds had come out of the account, and could not be reversed. customer service stated the account had been closed, and that the refund check would be sent out. I have called no less than 5 times since XX/XX/XXXX, to inquire about the account being closed, to continue to get different answers about the account being closed, and a refund check being sent out. some have said it takes 30 days to be sent to accounting and 30 days for accounting to issue a refund check, and some have said 14 days total.
|
| 05/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
In XX/XX/ I logged into my XXXX XXXX account to make my monthly payment. I was shocked to see that my balance was over {$1200.00} since my credit line is only {$300.00}. I looked through the trasnactions and discovered that most of them were not mine.
I immediately called XXXX XXXX and told them what I had found. I meticulously went through each transaction with them on the phone and told them the ones that were not mine.
In addition to these trasactions I also discovered that my address had been changed to XXXX XXXX.
XXXX XXXX obviously had blended my account with someone else 's account.
I was never noticified of the addresss change nor of any increase in my credit line- which is the normal custom of XXXX XXXX.
This is how I know that this is all an error on their part and NOT identity theft, Now today XX/XX/XXXX, I received a letter from XXXX XXXX demanding that I file a police report and submit a list of unauthorized transactions. They say that I have only 25v days from the post mark of XX/XX/XXXX to comply or they will dismiss my complaint.
Forts of all, I ALREADY gave them a list of the invalid transaction. Secondly, my local police department will NOT write up a report for a credit card company that made a clerical error.
Thirdly and most importantly, I am XXXX and can not do all that they are demanding withing the short time I have left.
I have already reported this to them but they are ignoring that.
XXXX XXXX is making NO apttempt to correct their error and now they are demanding thaat I pay for these unauthorized charges. They have already posted them to my account with an increased monthly payment.
I need CFPB 's help. I WILL NOT pay these unauthorized charges nor can I comply with what they demand from me. XXXX XXXX made NO attempt to tell me I was {$900.00} over my credit limit nor did they stop authorizing those charges. In addition I have been charged interest on purchases I never made and also charged returned check fees for checks that I never had returned. XXXX XXXX has created this mess and THEY should be the ones to untangle it. NONE of this is my fault and they are forcing ME to clean up THEIR mess.
|
| 02/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
I became in contact with th fraud Dept of TOTAL CARD VISA, becoming aware of various charges from a company named XXXX that I had never heard of. The rep told me that this company was well versed in fraud and the fraud dept deal with them often so I was not to worry. I needed to contact XXXX and ask for money, ( which I did and they all but laughed at me saying its your cc companies job we dont give money back to people. ), then I was to and fill out and return an affidavit to total visa so it could be fixed. Which was all completed ( by XX/XX/2018 ) before I had a few ( 3 ) month stintt in hospital. For whatever reason I found out today that the afadavit was not what total wanted and I needed to fill a new one out, and this new one was sent to me while I was in hospital in XXXX. I also emailed cc company I firming them of my status. When I called today asking why I was never given any credit or reversals for the fraud I was informed of new affidavit and that I could t do anything now bc 60 days had passed .... but I did it within week first time and they want new after I inform them of my situation and following deadline to make this tight passes while Im hospitalized? It almost feels like their is major collusion here especially whe. Everyone st the cc co knows this XXXX company is a huge scam artist of a company. All charges attempted by this XXXX company happened in the same day. Also I did not and have not used this Acct since bc they cancelled card and I was waiting to endure no more fraud remained. Company charged me {$38.00} late fees and an annual fee of {$48.00} even with knowledge of balance. What dequd related and after I made payments and stats intention to have cars frozen so it would not accrue charged and would give me chance to pay off.
These are the transactions from XXXX.
XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX ONLINE NY XXXX XX/XX/2018 XXXX ONLINE NY XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX
|
| 11/25/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On numerous occasions, I have notified XXXX XXXX Card about the fraudulent charges on my XXXX XXXX card from which were charged in the months of XXXX ( 2017 ) and XXXX ( 2017 ) for {$44.00}, {$44.00}, {$4.00} and {$5.00} by the following company and its affiliates : XXXX and XXXX. The employees of XXXX XXXX XXXX XXXX XXXX XXXX had and continue to have complete knowledge of these concerns however continue to fail to take any type of corrective action on this matter for almost 3 months. Today, I still have not seen these amounts credited to my account. After I reported the fraudulent activity, XXXX and its employee issued me a new credit card which I have not been able too use since XXXX ( 2017 ). Today, I called customer service to speak to a Supervisor and my call was disconnected by the representative. This is the second time my call has been disconnected which make me believe it was done with intention to avoid resolving my ongoing issues.
In addition, I continue to be charged a check return fee of {$38.00} for auto pay that I canceled months ago however XXXX continues to make attempts to debit my checking account also costing me " NSF '' fees from my bank. I contacted its employees of this and still have not disabled the " autopay '' on my account. I went online to manage the option and I keep receiving an error message. Again called about this, nothing has been done. I 've exhausted my efforts as a consumer and have not choice but to file a civil lawsuit. I will retain an attorney if this is not resolved I have threatened its employees I 've spoken to about a lawsuit and they have ignored it by not taking corrective remedies.
In addition, I was notified by XXXX XXXX and all three credit bureaus that my account with XXXX has been closed which has caused a negative impact on my credit score. I, again, called today to discuss the status of my account and according to the employee, it was current and open. However asked for a supervisor and call was disconnected, again.
|
| 02/25/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I processed a payment on-line through my card-issuers website for {$75.00} on XX/XX/2021. This represented 1/4 of my balance due. However, upon reconciling my checking account, I found that the card-issuer had processed my payment for the total balance due of {$290.00}. This was not my intent and their systems " default '' process is deceptive and fraudulent. The payment was made through TCI XXXX. Total Credit card.
I promptly contacted my card-issuer and reported the error in processing my payment. I spoke to the C/S representative who neither helpful nor indignant and realizing that she could be of no help in the matter, I asked to speak to a " Supervisor. '' While discussing the questionable activity and the issues it had created, he said " I know exactly what happened. '' Then he proceeded to explain that with payments made on their website if Total XXXX TCI 's system determined that funds to pay the entire balance were available, the system would default to the larger amount. This represents a classic case of deceptive billing, deceptive confiscation of funds through fraud. Not only do I intend to complain I want other consumers to know that TOTAL credit cards XXXX TCI Enterprises employs deceptive business practices at the expense and advantage of its consumers. If not to add insult to injury, the Supervisor to whom I spoke with the expectation of rectifying the issue, threatened that should I dispute the overage of the intended payment to my own bank, Total would charge me an additional NSF fee and others undefined and, by consequence, close my account and report the closure to all three credit reporting agencies as being closed by the card issuer. Since I was obviously of such minimal value as a customer to Total Credit Card company that I warranted such threatening remarks, I thought that you might be better suited to deal with this DISPUTE! I have disputed the issue with my bank, but they were less than reassuring. Please help me help you help other consumers!
|
| 02/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received a collection notice from your office on XX/XX/2019 that was dated for XX/XX/2019. In this notice you mentioned that you were representing XXXX XXXX XXXX , XXXX and that they were the owner of an account that is allegedly owed by me.
I would like to dispute the validity of this accused debt as I have NEVER owned an account with XXXX XXXX XXXX , XXXX so how can they own an account that you are stating is owed by me. Are they a debt buyer? Was there a bill of sale or receipt of the sales transaction? I want to know the exact amount that the debt was purchased for if thats the case.
If you are representing them are you advising that you are an attorney? If not, how can you be representing them. Was there a power of attorney given to you by the alleged creditor that warrants permission for you to collect money from me? If you are a debt collector this is very misleading and a violation of the FDCPA Section 1962E for misleading representation. If you were assigned this debt you will need to produce a letter of assignment from the owner of this account or a bill of sale showing the purchasing transaction confirming that YOU are entitled to the compensation of this alleged amount owed.
Furthermore, XXXX XXXX XXXX, XXXX has also violated FDCPA Section 1692C ( B ) for disclosure to a third party in connection with the collection of an alleged debt. Outside of myself, the original creditor and the credit reporting agency they were not authorized to disclose any information to a third party, including YOURSELF unless you are the debt collectors attorney.
Please notify your client of their negligence and deceptive acts. I would like this debt to seize effectively immediately and further collection activity to be blocked. Please send me a letter confirming your compliance to avoid further escalation of this matter to State and Federal governing entities for investigation of Total Card Inc and XXXX XXXX XXXX , XXXX. I will await your response within 30 days.
|
| 08/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2018 I submitted a complaint with Total Card inc Previous Complaint was XXXX, My complaint was for the company to send me viable evidence bearing my signature showing the account and the original contract, they failed to send me proof with my name and proof of the account with my sign legal name,,, I am the consumer and I have the rights to see and overlook the account information and I have asked for the proof of the account with my name on the original contract, they have not sent it and that's is a violation of my rights .... I am obligated to file a small claims suit due to total card still failing to send me proof of the alleged account,,, you are now asked to delete the account from my credit from all 3 credit bureau,,, you were given 30 days to send me proof and you still failed to send,, please delete the account from my credit file,,, you are in violation. I have repeatedly asked for evidence to support your reporting but yet again you have failed to provide me with a copy of any viable evidence, Total visa is in violation of the Fair Credit Reporting Act. On XX/XX/2018 Total Card responded to my complaint and stated that the signed contract was attached to the response but there was no account contract attached,, Total please delete the account from my file or I would be subject to file a small,, claim I have proof that I have asked several times for proof and you failed to send it,, you may be liable for your willful non-compliance, I have copies of the attached document that was sent to me as the response from total card which did not provide the contract or anything with my signature on it,,, I have pictures enclosed of the only items that was attached to the response from TOTAL CARD ON XX/XX/2018,, didn't send the paper work,,, in violation of the federal law In they response is says the account contract was available,, I have took pictures to show that the attached response didn't have a contract with my name on it,,, or any contract
|
| 08/13/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
In XXXX I went to use my credit card to rent a car from the airport. I had check my online account information prior to leaving to confirm available funds. It showed that I had more than enough funds available in order to complete the transaction for the rental car. Once I arrived at the airport and went to the rental car company to rent the car my transaction was declined. I told the attendant that there had to be a mistake and to rerun the card. The car declined again. I contacted the credit card company and was told that I had a lesser amount of funds available than what was shown to me online. I was told that the additional funds wouldn't be available until 7 business days. I asked them how could my online account information have something totally different then what they have in their systems and I wasn't provided with a direct answer only company XXXX. My statement is scheduled to close on the XXXX of each month. I check my online on XX/XX/2018 and my statement still had not closed. I contacted the credit card company was told that the information should be updated later on in the day. I check my online account several times throughout the day and still nothing had updated. The next morning I checked my online account and not only had the statement closed the day after but transactions were added into the statement that were still pending and has not cleared the account. I contacted the credit card company again and was told the that the credit card statement can close on different times of the month. Today I checked my statement history and the statement date is for the XXXX of the month however the statement includes transactions that show that they were transacted on the XXXX and XXXX of XXXX. I would like someone to investigate this company for fraud. How can the statement close on the same day the transaction was made? I have been given and shown misinformation each time I have contacted this company.
|
| 06/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Over the past few days i have been getting calls from unknown numbers and even voicemails back to back to back. Even family members were harassed by these people attempting to collect a debt. They are using unfair tactics, threatening me with court, threatening to take my wages, threatening to take funds from my bank account, even the last call threatening to " send my case upstairs for failure to pay ''. This total visa card is a closed account on my credit report apparently from almost 6 years ago. The person on the phone when i called them asking them why they are harassing my family members which i am sure is against the law, the man told me that " because the statute of limitations is about to expire we are trying to collect on an old debt '' Worst is that i XXXX the card type and apparently the credit limit is XXXX with a whopping almost 35 % APR. This apparently is issued by the XXXX XXXX XXXX. I honestly do not remember ever applying for a card with that high of an APR as that would be a financial loss to me even if trying to repair my credit. My mom did not raise a fool and i would never agree to that. I am a victim of identity theft foremost and i tried to explain that. The guy on the phone come telling me that with fees, court fees, etc i would have to pay more than XXXX which i do not have. How can a credit card with a XXXX limit equate to more than XXXX? And worst the guy was rude and unprofessional and i find it strange how he claimed " My client will waive the XXXX in attorney fees and some other fee and me pay like XXXX k '' Something seems shady. They even had someone with an XXXX accent threatening me to send the cops to my house and that is illegal. I can not be arrested for a debt. I think this company is practicing shady collection tactics and i am not happy about this. I fail to understand how they know there was a pandemic and they are trying to keep people in debt. it is wrong.
|
| 04/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2020, I received an email from XXXX XXXX XXXX, Total Visa that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued In spite of this notice, I made a payment that was posted on XX/XX/2020 and another on XX/XX/2020. A new card was NEVER sent in spite of them receiving payment 13 days after the date of this email. In XX/XX/2020, my credit report alerted me that I had a 30-day-late-status reported for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the Total, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, after calling back to Total Visa about my credit report 30 day late notification, on XX/XX/2020 I received the new card that the original email stated that I would receive automatically.
I have disputed this information several times through the credit bureau. Last year XXXX XXXX XXXX, Total responded to my complaint but it had some inconsistencies with the my statements and dates. TOTAL has refused to assume any responsibility for THEIR data breach, lack of communication on what was my current account numbers and reissuance of cards which was ultimately THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP.
I will be willing to have a no information found or reported but the late payment status is not justified.
All documents proving these statements are attached.
I emailed and faxed this dispute and in spite of being called and told that it would be fixed ASAP, it hasnt. I AM IN THE PROCESS OF TRYING TO BUY A HOME AND THIS IS HINDERING ME.
|
| 09/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I 1st called to close the Total card on XX/XX/XXXX due to annual fee of XXXX and mthly service fee of XXXX. I received an email in XXXX that I owed money so I called them and they said the account was closed already. I called again in XXXX and then on XX/XX/XXXX I spoke with supervisor XXXX about account not being closed in XXXX or XXXX and he promised me that it would be taken care of. The most recent call I spoke with XXXX a Supervisor who said this would be resolved by Friday XX/XX/XXXX. I got an email XX/XX/XXXX saying that I owe Total CC XXXX in late fees and interest fees. This is ridiculous I dont understand why this company wont just close my account. Its been 4 months since I closed the account back in XXXX, plus late payments are being reported to the credit bureau monthly. This company then continued the problem by lying to the CFPB I reached out to them in XXXX and they said that they removed all fees which should have brought the balance to XXXX which it did at the time. Then in XXXX they charged a fee of XXXX even though I called in XXXX XXXX to XXXX to close the account. Then they charged mthly fees & late fees in XXXX, XXXX, XXXX, and XXXX. I called every month and every time they promised they would fix the problem. They need to erase the fees and the balance on this account. I closed this account with a XXXX balance in XXXX period. So I should not have any balance and there should have never been late fees charged or reported to the credit bureau. Everytime they waive fees they live a balance like right now there is a balance of XXXX cents even though they stated to the CFPB that the account was finally closed properly as of XX/XX/XXXX. Apparently they leave a balance so the ACCOUNT stays actively accruing fees and interest even after closure of an account.This is the longest its ever taken to close an account and be done with a company in my life.
|
| 04/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
The XXXX XXXX XXXX called me about a debt that I owe. I told them I needed to talk to my wife about the settlement offered and would call back. LESS than 40 minutes after speaking to XXXX XXXX, she called my wife with a very demanding tone asking for our debit card information. My wife asked her to verify the debt and provide the settlement in writing, XXXX XXXX refused to do so. She stated that the debt had to be taken care of right then. My wife told her she would call her back. The next day after my wife and I talked, my wife called back and left a message to pay the offered settlement. No one called back. XXXX XXXX then called her back on XX/XX/XXXX while she was driving. My wife told her it wasn't a safe time and they agreed that XXXX XXXX would call back on Saturday while she was in the office. On Saturday XX/XX/XXXX, XXXX XXXX did call back but at XXXX and XXXX. These times go against our rights as consumers, given to us in the Fair Debt Collection Practices Act. My wife called XXXX XXXX back to let her know that she was ready to pay but that she was also going to file complaints with the proper offices. At this time XXXX XXXX refused to take payment and told my wife she would note the account and disconnected the call. My wife called back and asked to speak to a supervisor, she spoke to XXXX XXXX. XXXX refused to answer my wifes question about the law regarding the times a creditor can call. He also refused to take payment for the settlement and disconnected the call. We would have liked to have settled the debt today. But we also feel that this " agency '' has handled themselves unprofessionally and has broken more than 1 of the Acts protective features for the consumer. And they have refused to take our payment for the settlement of the debt at this time, once we stated we would be contacting the proper offices about their wrong doings.
|
| 03/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I had a credit card with XXXX XXXX XXXX ( Total Credit Card ) which I closed in XXXX of this year due to outrageous fees.
I was charged a yearly fee, around the time I closed the card and was told the fee would be returned to the account I used to pay my bill each month and should arrive in approximately 7 days. This was over a month ago. Several follow up calls have yielded different answers. I have heard my request is still processing, I should received a check in 7-10 days, and the check is in the mail. Almost two months later, I still have not had this fee returned.
Second, I closed the card in XXXX and paid the balance in full. I never carried a balance on this card and always paid it off every month. Not only are they still reporting a balance, they are reporting that I am over my credit limit ( due to the annual fee they charged ). Not only do I have a XXXX balance and have had a XXXX balance since XX/XX/2020, I have had no luck getting the company to remove this from my credit report. I filed a dispute with the credit reporting agencies in XXXX about the incorrect balance/account status/over the limit remarks, which resulted in the card showing as closed and the balance being {$0.00}. Then, early this month, the company again reported the same incorrect data to XXXX, resulting in a nearly 50 point reduction in my credit score. I have filed a another dispute with XXXX to have this removed again, however, it comes at a time when I am rebuilding my credit and attempting to purchase a new home in the next few months. Such a drastically reduced score, due to the incompetence or criminality of the card issuer/credit agency, has negatively impacted my ability to seek other credit/mortgage options and may end up costing me significantly more in interest once the home loan process is complete.
|
| 10/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I have an acct with Total Visa. I paid my balance in full and have not been able to use my card or log in to my acct online and when attempting to call them it is an act of congress to speak to a supervisor or someone in proper charge to resolve acct issues. This company now has this showing negative on my credit report.
Below are reviews from other costumers from XXXX XXXX.
XX/XX/2018 XXXX Cardholder They are not here to help, they are here to exploit the down on your luck type of clients.
XX/XX/2018 Less than XXXX XXXX XXXX Cardholder I got this card to help build credit, but it has done absolutely nothing for me. They charge fees right off the bat, just to activate your less-than-average credit limit. I had a fraud charge, and they require a police report, affidavit, and notarized form just to investigate - don't plan on speaking to anyone about for at least two weeks, since they're so " busy ''. I highly recommend going with other available options for bad credit, avoid these guys at all cost.
XX/XX/2018 XXXX Cardholder On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. Luckily, I had other funds on my. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payment has never been late, missed, and I always pay in full.
Even when you pay your bill they make it hard for you to use your card and then report negivitve on your credit. I am asking for someone to help here as this company is taking advantage of customers and making it hard for customers to manage there acct.
|
| 06/15/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
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Web |
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I am reaching out with some issues I have been unsuccessful with resolving from the creditor. I had some financial issues and fell short on paying my credit card bill. I contacted XXXX and a representative from the office told me to make my {$37.00} minimum payment in XXXX so that the account would n't charge off. I made that payment and have proof. I received a bill in the mail and on the bill it stated that I could call in to get a settlement or set arrangements to pay the balance. I first logged on to XXXX to make a payment and was unable to log in to make a payment. I contacted the company to make a payment as well as arrangements so that my account would n't charge off and they said they could n't access my account and that i needed to be sent to another department. The other department gave me the runarounds. No one was able to take my payment, unable to grant access online. XXXX came and they tell me my account is charged off because I have n't made a payment in 5 months which clearly I made the minimum in XXXX . I was unable to pay by phone or my usual route online. The rep stated if I sent payment by mail it would be sent back. Today XXXX / XXXX / 17 I called and come to find out the website is now updated to XXXX . The whole time this was changed and no one informed to tell me so that my payment could get charged off. This has a negative affect on my credit. I have contacted the company they gave me the settlement amount and will not take out of charged off status because of there wrong doing. I am reaching out before for help before I look into litigation. I want to make my payment and I want this account to either be taken out of charge off status or removed from my credit for there wrong doing.
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| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Mr. XXXX XXXX SSN # : XXXX To Whom It May Concern : Hi I have been customer since XX/XX/XXXX and during this time I have enjoyed my experience with TOTAL XXXX. I am writing to see if you would be willing to make a GOODWILL adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account from XXXX of XXXX. Because of my previous payment history never exceeding 30 days I would REALLY like for you to consider removing the negative payment from my credit report. At the time of the late payment, I scheduled a payment of {$210.00} and at that point something happened on the back end system that did not allow my payment to fully process. IT WAS COMPLETELY OUT OF MY CONTROL. I say that to show that the late payment is not an accurate indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. It it greatly affecting me and my new family from getting a car and getting accepted to a new apartment. Three dealers and 2 landlords have already denied me for having a late payment within this calendar year.
I have been a very happy customer in the past and hope to continue a long relationship with Total. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. You guys has been exceptional in my book so far and I hope that you will deeply consider my request!!! I have attached a screen shot of my scheduled payment and an attachment of my bank statement for that month showing the something went wrong and my payment was never taken out. The bank account came back unable to locate but my bank statement for that month prove otherwise.
Sincerely, XXXX XXXX
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| 01/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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During spring/summer of XX/XX/XXXX, I was attempting to refinance my home. In an attempt to provide debt relief and get some of the items off of my back, my credit union helped me with a private loan to pay off credit card debt. On XX/XX/XXXX, I called XXXX XXXX and told them I needed the most recent statement to provide to my credit union so that they could cut a check paying the account out and I requested to have the account closed. While I was on the phone with them, I shredded that card plus a Total card managed by the same company and notified them I was doing so. In addition, I wrote them a letter also dated XX/XX/XXXX following up on the request I made via phone. I went to my credit union and a check was cut and mailed to XXXX XXXX dated XX/XX/XXXX for both this account and the other account I had with them. I subsequently received a letter from them telling me the account was closed however I'd incurred charges later in XXXX. I questioned them how I could possibly owe anything on a card that was closed and shredded on XX/XX/XXXX. They had no legitimate answer other than them not being made aware the account was being closed and it takes time for it to happen. I noted to them the card had been closed and shredded on XX/XX/XXXX. They sent me an affidavit asking me to file a police report and provide a bunch of other information. I did not see it necessary to file a police report and waste law enforcement 's time when the error is theirs. To date, they continue to send me statements and are reporting negative remarks to my credit report when they should not be doing so considering the check payment they received dated XX/XX/XXXX & the later card payment made via phone.
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| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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I asked XXXX to delete all late payment status from the 3 credit bureaus because it was due to me being furloughed in XX/XX/2020. XX/XX/XXXX my credit report reflected that XXXX did honor my request and I was so pleased and grateful. Sadly the late payment info from them has returned and currently reflected on my credit report. I am sure this is an error. Below is my original correspondence.
Greetings, I lost my job in XXXX due to COVID19, I immediately filed for unemployment, I didnt hear anything from Unemployment of California for a long time and assumed it was because the overwhelming amount filed all at once. After weeks of nothing I finally received a request to verify my identity, and mailed back requested documents the same day. I finally received my full backpay bringing me to current benefits due to me at the end of XXXX! I made all payments up on time never late until I lost my job when the pandemic hit the world. This one infracture was due to something completely out of my control, and there was no state or government support to aid me with drowning financially unable to meet my normal responsibilities rent, food, credit cards, utilities, student loans etc. All of which have worked with me to update and defer payments during this unprecedented pandemic. That being said I was disheartened when I called Total and asked for them to remove the late from all 3 credit bureaus and they declined knowing the reason and not considering I have a flawless payment history prior. I feel this is severe and not my fault. I have resumed my excellent payment since after receiving my unemployment benefits. I just wish they would be compassionate during this one late payment
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| 09/11/2017 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
Servicemember |
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I received a phone call from an unknown number, I let it go to voicemail because I was driving, it was a man name XXXX XXXX saying that they intended to deliver a package to my residence later today and that they were calling to confirm that I was going to be there. Then they stated that they were going to serve me with some paperwork, and if they could not reach me then they would present my paperwork to my employer.
He told me that the " Firm '' that is handling my case is XXXX case # XXXX.
The name of the company for this 800 number is XXXX, they would'nt provide me their location, I was informed that it was against their company policy to provide me their location and address. When I spoke to a gentlemen at XXXX, I asked who the dept belonged to, and he informed me that it was XXXX XXXX XXXX, and I explained to him that this company has made no attempts to collect this dept and he stated to me " you are correct '' they have not intention to collect this dept, instead they are going straight to suing me. He then became very patronizing and telling me that I did not know the law, and that I was XXXX XXXXXXXX XXXX XXXX, when I explained to him that I would like written proof of the dept and he denied it. I also explained to him that under XXXX the company had to provide me written proof. When I asked for his supervisor he informed me that " he was a supervisor '', then I asked for his manager " he then informed me that he was a manager '', then I proceeded to ask for his boss, the person over him and then he informed me that " there is no one higher than him, except XXXX ''.
I told the gentleman that I bid him good tiding and good day and was ending the phone call.
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| 05/31/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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I have been a victim of fraud and Identity theft. I have reported XXXX to all XXXX credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I am also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have also had my attorney to submit a letter to this company and they still have yet to respond back to me or my attorney. I am very furious about this because I have sent supporting documentation to this company even though they think the social number matches name and birthday they still think it is mine account. I have never opened a credit card with these people at all. I am very furious about this and this is my second time reporting it to CFPB and I still have not gotten any satisfaction from this company about this account. I have went over and beyond doing what I need to do about this and I do not know what other steps there is to take. If this is not off my credit by this company by XXXX XXXX as requested by my attorney please let this company know that we will sue them for continuing to have negative untrue things on my account about having a card with them. This is the last time I will be contacting them about this account next time they will be receiving a subpoena from my attorney for a appearance date in court. I expected to hear back from this company before XXXX XXXX. If not further action will be taken by my attorney and I know you got her letter because it was sent next day. Please have the company contact me back before XXXX XXXX so that we can try to settle this out of court if not legal action will be taken.
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| 01/25/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX I made a payment of {$120.00} to total visa the payment was returned by my bank, the payment was retried by XXXX XXXX and was credited to the account on XX/XX/XXXX and settled on XX/XX/XXXX. On XX/XX/XXXX I sent an email to the company after speaking to a representative and they advised me to send an email describing what happened. I received a response and was given a complaint number XXXX. After not hearing a response I reached back out on XX/XX/XXXX and requested an update with a customer rep I was not satisfied with the response and asked to speak to a supervisor the supervisor told me they had 60 days to investigate and would reach back out to me and offered a credit of a late fee to be returned. This issue was never settled and no one reached back out to me. While the issue was supposedly being investigated my report was hit for late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As I am sure you are aware they violated my rights and did not only not properly investigate this issue but while investigating this issue they reported late payments to the credit bureaus and continued collection efforts while the issue should have been under investigation I have quoted the statue in which they have also violated 1026.13 ( d ) ( 1 ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
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| 11/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account status incorrect
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Web |
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Recently I submitted a credit bureau request to have XXXX XXXX XXXX XXXXTotal Card company review my payment history with the credit bureaus, rather then review my payment history, someone in the company on XX/XX/2020, decided to update my credit report from closed in good standing to charged off. My credit card XXXX was paid off and closed on XX/XX/2020 with payments made on time before the account was closed. The account was closed in good standing and the ENTIRE balance paid off. 8 months after my account was closed in good standing, someone at the XXXX XXXX XXXX XXXXTotal Card fraudulently and erroneously altered my account status from " closed by consumer '' with a {$0.00} balance to " charged off. '' Someone in their company fraudulently and erroneously decided to fabricate that my card was charged off and they must be held accountable which is why I am contacting you.
When I contacted the company on XX/XX/XXXX, they transferred me to their charge off department, the charge off department could not find a case for me because they said my account was never charged off, from there they continued transferring me back and forth between customer service and charge off recovery with no resolution.
The reason the charge off department could not locate my file is because my account was never charged off, it was paid on time and closed. But someone in their company decided to fraudulently update my credit report as a charge off I believe as retaliation for me closing my account and paying it off and they must be held accountable. They are a corrupt company and who know how much harm they have caused to other consumers.
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| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Total/XXXX XXXX XXXX, XXXX and XXXX are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my XXXX and XXXX credit reports when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. On XX/XX/2020 I sent the attached letter to Total Card inc. at the address specified by a Total Card/XXXX XXXX XXXX representative on XX/XX/2020 at XXXX XXXX to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called Total Card/XXXX XXXX XXXX on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX complaints for Total Card shows I am not the only person that has experienced extreme difficulties in Total Card/XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus. XXXX XXXX XXXX
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| 06/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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On XX/XX/2020, I applied for a credit line increase with Total Bank Credit Card. I received correspondence through the messenger service from Total Bank, where they requested my tax records to support the income I was stating I made. ( The letter is attached to this complaint ) I sent the required information, and several days later, they called me to tell me they received the document, then they stated I had to unlock my XXXX credit report to view my credit file, and I explained that it was not locked. The representative insisted that it was, and I then checked and confirmed it wasn't. After several minutes of explaining the information about my credit file not being locked, she stated that it was my XXXX XXXX credit file. I then told her the representative that I do not have a credit file with XXXX XXXX ; however, they are accessible to make a soft inquiry with XXXX and Equifax. The representative then stated I was interfering with the process to give me a credit line increase, mind you this was not mentioned in the attached correspondence from them initially. The comment was outrageous. Total Bank is one of the most questionable financial institution I ever dealt with. I have been an excellent paying client ; however, this is not a customer service friendly financial institution, but more so, a company more interested in creating fees as well as inconveniences for it's the consumer.
This attempt to have a credit line increase showed me this bank again has some questionable practices, since becoming a customer, I seem to have misunderstood many things. Troubling on so many levels
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| 11/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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I received an offer from this card and it advised you pay a one time program fee with access to a {$300.00} limit. I waited a while and then decided to activate it. After activating they charged another {$75.00} bringing the limit down to {$220.00}. The {$75.00} annual fee is not disclosed at all. I have copies of the misleading information I was sent. I called twice trying to get the {$75.00} annual fee back and my {$89.00}. I paid {$30.00} which is what I used reference number XXXX and was advised I owed {$100.00} ( Including their fee ) but since its 30 days I can have this closed and fees refunded. So once he put me on hold he says oh you cant get the {$89.00} back because you used the card. I activated this on XX/XX/XXXX today is XX/XX/XXXX. I havent even had the card a week and Im being taken advantage of and slyed out of {$89.00} plus {$75.00} thats not right. I paid what I owed. I want the fee of {$89.00} refunded back to me because they got that by misleading me and other customers by stating and I quote verbatim " There is no security deposit required '' " If approved simply pay a one time program fee to open your account and access your available credit. '' It does not say " Once you pay your one time fee an additional annual fee of {$75.00} will be charged and your credit limit will be minus {$75.00} ''. What am I paying an annual fee for when I havent even been a customer for a year!? I want my {$160.00} back because this is so scammy and misleading! To be honest they arent even open about how much the " start up fee is '' on their solitcitations!
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| 05/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I tried to use my credit card in XX/XX/XXXX only to have it denied ... i had just paid my bill recently and I knew there was plenty of funds on the card, so I called customer service. I was told that my account was past due! It was not!! At some point, the customer service rep advised me that my billing due date had changed ( by accident ) since I had not authorized this change. My billing date was always around the middle of the month and all of a sudden it was showing due by the XX/XX/XXXX of each month. I told the representative that I had NOT changed the date and it needed to go back to my original due date. She assured me that she would take care of this and that it would not cause any issues! Since the middle of XX/XX/XXXX through present, I repeatedly receive emails saying that I am " past due '' or behind on payments, which I am not! I have called them about 3-4 times regarding this issue and I can not use the card because it is showing I am past due! As of right now, I paid {$50.00} before the due date and which is also more than the minimum payment and my purchase of {$42.00} was denied this weekend! My online account statement says that I have {$64.00} remaining credit and that I am past due. They need to get it together and get this issue fixed immediately! I am tired of dealing with it! Furthermore, I am not sure if I am being charged a late fee unneccessarily or if the " lateness '' is being incorrectly reported to credit agencies. How long does it take to fix something like this? I wouldn't think it would take this long!
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| 08/31/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
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Web |
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TCI - Total Card, Inc. calls me incessantly about a debt they purchased from XXXX. I know XXXX as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC.
I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them.
One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, XXXX, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well.
I also have a letter dated XX/XX/2016 from Total Card , Inc. stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old.
I 've since blocked their number, but they continue to call.
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| 03/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XX/XX/20 I hired a credit repair company ( XXXX XXXX XXXX ) to request a good will removal of late payments for my Total Visa Credit Account ending in XXXX. Approximately 2 weeks later I received a notification from XXXX that a settlement on my credit account was process and reported as a result. I immediately contacted XXXX to make sure that they in fact did not request a settlement of the account but a good faith late payment removal that occurred over 48 months prior. The representative assured me that they do not engage in debt settlements and that there must be an error with the creditor. I then contacted Total Visa Credit to explain to them that I did NOT authorize a settlement and requested that the account be reinstated so that I could pay any balance that was remaining on the account. My request was denied with no documentation that I requested as they stated that the information had been purged from their system. This means that they have not complied with the record retention requirements for consumer credit disputes. I would like the account to either be reinstated allowing me to pay the balance in full and or the negative reporting removed from my consumer report with all 3 credit bureas. To further note, the account has been current and not delinquent for more than 36 months and therefore there was no need to request a settlement. As a result I have been unfairly, and deceptively been harmed by this consumers practices and or failure to provide and or retain records as required by the consumer regulation.
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| 09/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XXXX XXXX XXXX XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to XXXX XXXX XXXX which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to XXXX XXXX. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.
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| 11/13/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
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I had a dispute sent in with Total Visa XX/XX/2021 and also in XX/XX/2021 while in dispute of billing errors total Visa closed and restricted access to my account this is a violation of 15 USC 1666 ( d ) they can not close or restrict my account while in dispute and 15 USC 1666 ( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error- Pursuant to regulations of the Bureau , a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
And for correspondening action to this violation 15 USC 1666 ( e ) states- Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
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| 10/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
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I received a vm from total visa stating i was behind on payments. After logging in to my account i found out i was behind. Total visa failed to provide me with a bill or any statement since febuary 2019. When i called to ask why i didnt receive a statement by mail or email. I was informed my account was suspended. When i asked why they said bc my mail was returned. So i asked why they didnt contact me and i wasnt given an adequate response. My next question was if my account is suspended how am i being charged an annual fee? Response : thats just how it works youre suppose to keep up with your own bills. Ok ... why wasnt i informed by mail, email, or call. I cant pay a bill youre not sending me statements for. So on top of the annual fee i was charged a late fee and interest on that late fee. I payed the annual fee but told them i should not be responsible for any other fees occurred bc of their failure to provide me with a statement or bill. I was told it would be sent for review to have charges removed. Never heard anything from them. Im still racking up interest on the remaining balance and they refuse to help. Ive since requested my account to be closed bc i made the payment and its not closed. The is unacceptable business practice. Ive only used this card once and every payment has been on time, except when they decided to not inform me of charges occurred. After speaking with them i still have yet to receive anything by mail. My address is the same it never changed.
|
| 07/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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I had a credit card with the XXXX XXXX XXXXXXXXTotal card services Inc that was sold to a collections agency XXXX XXXX It was being reported as delinquent and negative on all my credit reports so I called the XXXX XXXX XXXX to get the contact number for the collection agency so that I could pay the debt off and clean up my credit. Upon speaking to a rep with I agreed to pay the debt only if the account be completely removed from my credit report. They assured me that once I paid the debt it would be removed from my credit within 30 days after the debt was paid. On XX/XX/2020 I made my final payment on XX/XX/2020 I got a notification from my credit bureau apps that I had a negative/ delinquent reporting account. The account was from XXXX XXXX XXXXXXXX XXXX Total Card Services Inc . I called them and told them that I had paid the debt with XXXX XXXX and that the debt and all account information should be deleted from all of my credit reports. I spoke to a XXXX and she told me that since XXXX acquired the debt I had to contact them to get the account deleted. After I got off the call with her I called XXXX, XXXX, and XXXX just too find out who was reporting the debt and both companies have not removed the debt and still reporting delinquent/ negative marks on my report. Ive been getting the run around from both companies. I just want this account deleted from my credit reports since I paid the debt off and they told me that it would be deleted after I made the payment.
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| 01/23/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
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XXXX XXXX has violated my consumer rights. In XX/XX/2021, I submit a CFPB to be sent to XXXX XXXX regarding late payments on my account. I had XXXX late payments on my account during the pandemic and I was requesting adjustment. The company notified me that they could not adjust the reporting of those payments.
However, XXXX XXXX closed my account without notification and continues charging excessive fees : late fees of {$40.00}, interest accrual and a monthly servicing fee on a close account as of XX/XX/2021. See attached. I had a good payment history prior to my account being closed.
I attempted to pay the account off, but could not pay the balance down because of the fees that were accruing.
XXXX XXXX is in violation of 15 U.S. Code 1691, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter.
I was also denied a Credit Line increase in XX/XX/2021, stating denial due to High Credit Use On This Account and Account Performance : delinquency on your account in the last 6 months. At the time of the request, I had 0 delinquencies.
XXXX XXXX is a sub-prime card that takes advantage of consumers with less than perfect credit. It is unfair and discriminatory and I demand remedy of my account and my credit history.
I have attached evidence to this complaint to support all of the allegations.
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| 10/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a credit card that was put into collections. After a time, I was able to make a payment plan with the collections company. I had tried to call the original company, but they had already sold my account. So I paid the balance in full plus some, to the collections company, and received a receipt of restitution that the account is paid in full. Since then, and this is going on 2 years now, every 6 months, i receive a bill from another collections agency stating that i owe the money again. I have to send them the receipt of restitution and then that company doesn't call back. Last year I had a law office that works for XXXX County contact me, and let me know that there was a law suit filed against me from XXXX XXXX ( the original creditor ) and i provided the receipt of restitution to the lawyer and the case was dismissed. I hadn't heard anything since the lawyer, but have received another letter in the mail today from a different collections agency stating that i owe what I have already paid. I sent them the receipt of restitution as well. But this just keeps happening over and over. This is harassment. I called XXXX XXXX ( the original creditor ) today and wanted to provide them the receipts of restitution as well, but they said my account is closed and they sold it to XXXXXXXX XXXX XXXX. They gave me a number to call and it was no longer in service. I need this to stop. Please help me. I have already paid my debt in full plus some.
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| 12/07/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I cancelled a credit card that I was not using because it had an annual fee. I did not receive any statement in the mail but noticed one day that I had received a balance due statement via e-mail which I never receive because I always request paper statement. I immediately called the credit card company and they informed me that they had never closed the account and there had been activity on 2 transactions. They searched and notified me that in fact I had not used the card in over a year up until the 2 online transaction. They told me they would send me a fraud package and I should receive it in 7 days. 2 weeks pass and they again sent me another e-mail collection. I called again and had to go through the same exercise and again requested that the fraud packet be sent to me. Another few weeks pass and I receive yet another e-mail attempting to collect. I again called and spent over an hour on the phone with the representative. She proceeded to tell me that more than likely they would deny my claim because it had been 90 days from the transaction date. during all this time they continued to charge an annual fee and late fees for each month. The representative asked me to pay {$41.00} on the account so that she could refund all the late fees and the annual fee. I just received another call informing me that my account is past due {$100.00} and has a balance of {$300.00}. I think this card company is trying to rip people off.
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| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This is a formal complaint against XXXX. I asked XXXX for a human review of the late credit card payments placed in my credit file from companies : Total Card XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want Total ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with XXXX XXXX and XXXX. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to XXXX on XX/XX/2023. After 30 days I did NOT receive communications from XXXX regarding my written request. On XX/XX/2023, I mailed second notices to XXXX via certified mail. I requested XXXX to show me written proof of their manual human investigation Total, and XXXX XXXX XXXX credit cards. On XX/XX/2023 XXXX notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my XXXX account online. Unfortunately, XXXX did not complete a manual investigation. XXXX did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with XXXX XXXX and XXXX.
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| 07/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/ I submitted an ACH payment in the amount of {$210.00} from my previously used and saved bank account ending in XXXX. About a week later I get a notification from all 3 credit bureaus stating Total Card reported me 30 days late. I called and asked what exactly was going on with my account and they claimed that my bank account didnt exist. Thats not accurate as that was my main bank account and used it previously with Total and was even my primary saved payment method on my Total Card profile. I sent in proof of my bank statement for the month of XXXX showing my bank account was active and even pointed out other creditors I paid successfully. My bank statement NEVER showed a returned payment for that month and after speaking to multiple supervisors including a supervisor from the IT department they clearly said this was an error on the creditors system as a request for payment from Total Card was never submitted. I sent in a statement and my bank statement via fax and email to Total at the beginning of XXXX and again in XXXX and not once did I receive a phone call or email from response them. I was advised by multiple sources that any investigation shouldnt take more than 30 days. Ive yet to receive any response even after contacting the XXXX regarding this issue with Total. I hope to have this resolved soon as its done dire harm to my credit and chances of buying a car. Thank you all for your time!!!
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| 12/09/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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As I was doing a annual credit check going over my credit history to make sure that all information was accurate on my credit file I came up on a couple accounts that I did not recognize I proceeded to contact these companies however, they sent me fraud packets on several occasions that I needed to fill out and notarized I did so and paid my {$10.00} dollars only for them to keep asking me to send more info and notarized more papers yet not doing anything about the account but make me spend money .... My request is that they send me the proper verifiable documentation for these accounts so that I may review it, they have refused and the credit bureaus are verify the information as correct even tho this creditors cant provide me any documentation that I requested .... please contact them and either have them remove these account or forward me proper documentation that proves the account belongs to me not invoices but actual consumer original contract that I signed ...
1.XXXX XXXX XXXX/ total card .... credit card Acct # :XXXX DATE OPENED XX/XX/2016 Credit limit : {$300.00} Address : XXXX XXXX XXXX XXXX, SD XXXX XXXX Note : they have been the root of most of my issues 2. XXXX XXXX XXXX ... credit card Acct # :XXXX Credit limit {$500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX XXXX Note : disputed and ask they provide me proof they verified to the bureaus and sent me nothing :
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| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I have been disputing multiple accounts that were a result of identity Theft and unauthorized charges and accounts opened without my knowledge. I provided proof of my incarceration at the time these accounts were opened. They seem to overlook this documentation of proof and continue to keep these fraudulent accounts on my credit report. Which is causing my credit report score to remain in the " poor " status, ultimately this is affecting my life and moving forward, due to the fact I can't get any credit! I have ask these companies multiple times to please remove! The account and any negative actions that are associated with these accounts. THE ILLEGAL SECTION OF THIS ENTIRE COMPLAINT IS THAT 3 OF THESE ACCOUNTS HAVE DUPLICATES OF THERE ACCOUNTS MAKING IT APPEAR THAT THERE ARE MORE NEGATIVE ACCOUNTS THATLN THERE ACTUALLY IS ON MY CREDIT REPORT. THIS CANT BE LEGAL! So I am fighting for my rights against fraud from consumers commiting fraud reporting the same account twice by adding XXXX or XXXX dollars to the balance. Or either the original fraudulent account is listed and also who they have sold the account to such as National credit adjusters, they both are reporting negative activity! All of which DO NIT BELONG TO ME These companies of subject matter are the following, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Total Card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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I asked to have the program fee waived and I needed this card for my new job. It seems like my request is being ignored.
I received the Total Card Visa in the mail. I called to see if the program fee could be waived. When it could not be waived I tried to pay it via my checking account and a debit card. I was told that if I pay the remainder via debit card my account would be opened. My cousin tried to help me out with that and I was given a different date as to when the card would be activated. I have cold corporate several times to complain about this. Whenever I'm transferred over to the presidential line, it goes straight to voicemail. I have not had anyone contact me except for one time. The way I see it this be should be waived because of all of the crap I've had to endure trying to get this one issue resolved. And the way I see it, I shouldn't even have to pay my first month minimum payment because of this mess. I feel like my issue is just as important, and I shouldn't have to wait days for someone to get back to me only to tell me they can't wave it when I know that there is a way you can do it. The program fee is {$89.00} of which I've paid 30. And this is not even money of mine this is money that belongs to my cousin that I have to pay back. I don't like the miscommunication that I've been given and I feel like I should have this card activated because of it.
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| 01/22/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Credit card / Identity theft / Fraud / Embezzlement / I have been a victim of fraud and Identity theft. I have reported it to credit bureaus about this and they have went to every extreme to notify this company that I was a victim of identify theft and fraud. I have missed 3 days of work to go above and beyond what this company is wanting. The company is Total Card Inc. at XXXX XXXX XXXX XXXX XXXX, SD. also contacted the company stating that this not my account and sent in an affidavit stating it is not mine. I have sent a passport, proof of address, birth certificate, license and have had to get these items notarized and filed a police report and had to go down and have it re done because they did not approve it.. They are now stating they do n't have my social security card. I lost it in high school so I went down to the ss office and waited for 6 hours and my name was still not called and once again had to take off work. Now they tell me I have 10 days to pay or my case is closed and I am responsible for the charges. I cant keep missing work for this XXXX debt that is clearly not mine and I have exhausted all efforts to prove this. I have never opened a credit card with these people at all. They have to stop this. The criminal who opened the card did n't even have to go through all of this. They opened up a card on my social only. They did n't even verify an address.
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| 06/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/XXXX I submitted documents stating that XXXX accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on XX/XX/XXXX. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on XXXX. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.
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| 06/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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On XXXX XXXX I submitted documents stating that 3 accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on X/22. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on X/X/17. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.
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| 10/07/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Closing your account
- Can't close your account
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|
Web |
Older American, Servicemember |
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I supplied Total Visa a letter dated XX/XX/2021 which requested cancellation of my Visa credit card. The annual fee of {$48.00} posted on XX/XX/2021 and the monthly serving fee of {$6.00} should have been eliminated by my cancellation request. XXXX XXXX charge posted on XX/XX/2021 should not have been honored as the cancellation letter is dated XX/XX/2021. Additionally, XXXX did not have the authority to charge {$190.00} to my account. A letter from XXXX admits the charge was not legitimate and reversed this charge from my account. That reversal was made by Total Visa within five to seven days of XX/XX/2021. The remaining charges of a service fee of {$6.00} posted on XX/XX/2021 ; a late fee of {$29.00} on XX/XX/2021 ; and an interest charge of {$4.00} on XX/XX/2021 occurred well after the XX/XX/2021 date of the cancellation letter. This dispute was answered by letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX, servicing bank for Total Visa denying my request to eliminate the {$94.00} charged to my account for the annual fee, servicing fees, late charge and interest charges. These charges were all placed on my credit card by Total Visa. The only phone number that I have for XXXX XXXX XXXX or Total Visa in XXXX XXXX, SD is XXXX. My name is XXXX XXXX at XXXX is XXXX XXXX XXXX # XXXX, XXXX XXXX, MI XXXX. Total Visa credit card # XXXX
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| 08/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Around XXXX of 2017, I lost my wallet and my personal information was used fraudulently. I received notification from many sources such as my personal bank and other cards that my credit cards and other information was being used with out my knowledge. Upon this notification, I immediately contacted my creditors and banks and made them aware. Most creditors canceled the card and issued me a new one. On XX/XX/2017, I notified XXXX/TOTAL ( XXXX XXXX XXXX ) Card XXXX about this issue and I closed the account at consumer 's request. They then sent me a statement with the fraudulent charges to pay. This account is currently still on my credit reports as a charged off account as I refused to pay for fraudulent charges. I have disputed this account with all 3 bureaus, sent documentation to include a police report and only XXXX has deleted the incorrect account. XXXX and XXXX continue to report account is verified and validated. When I asked for proof of validation, XXXX XXXX XXXX sent copies of the charges. This is not an acceptable source of validation! These charges were not by me nor were they authorized. This is a violation of my Federal rights as my credit history is being tarnished by erroneous and inaccurate information that is to be deleted from my credit file and the creditor has not validated the debt.
|
| 02/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
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|
Web |
Servicemember |
|
I have had the total visa credit card for over 2 years and the XXXXXXXX XXXX credit card for around a year. I pay both parents on time every month and I pay over the minimum payment.
The last payment I maid was XX/XX/2023 in the amount of {$140.00} on total card and {$140.00} on XXXX XXXX card. After my payments went through I went to check and make sure the payment went through and what my balances were and the available credit. My balance on bothe was {$150.00} lower than my limit but it no available credit? I was confused so I called total and XXXX both and there customer support agents couldn't give me any reasons why it wasn't available except that both had closed my account and was turning into collections. I said " how is that possible I haven't missed a payment for as long as I've had the cards! '' The agent say '' Im not sure sir, I see you've maid all payments on time and some early. '' I said I know so what gives them the right to close my account and turn it over to collections if I have defaulted on any payments and I havent. I think these companies are a joke. And honestly I'm going to be speaking with a finance lawyer on all this because my account can't be closed and turned to collections for no reason. I was never notified of anyrhing like this especially the canceling of my card.
|
| 08/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In XX/XX/2018 I disputed an inaccurate account on all XXXX of my credit reports, The inaccurate account is XXXX XXXX XXXXi # XXXX. All the credit bureaus reported back as the account was verified, I Then contacted the bank which the address that's listed on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I sent the original creditor a Verification Letter asking for them to send me proof that they have my legal signature on the alleged account in the file.,,, i sent my certified letter on XXXX, XXXX 2018. They signed for the letter on XXXX, XXXX, 2018 ... .Todays date is XX/XX/2018 and they have failed to respond to my certified letter. They had 30 days to respond to the certified letter and they failed to provide me the documentation I asked for by law I am entitled to see and know what account they are saying is mines,,, I needed to see proof and I did my part,, they have violated my rights,,, I have copies of the letter that was sent and copies of the US Postal Service certified mail receipt, and a copy of the delivery noticed that they signed for my letter and today is the XXXX day,,, please delete this inaccurate account from my credit file. This is not Right that these companies don't respond to certified letters, I did my part,,,, and XXXX XXXX XXXX failed to do theirs..
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| 01/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
|
Greetings, I lost my job in XXXX due to COVID19, I immediately filed for unemployment, I didnt hear anything from Unemployment of California for a long time and assumed it was because the overwhelming amount filed all at once. After weeks of nothing I finally received a request to verify my identity, and mailed back requested documents the same day. I finally received my full backpay bringing me to current benefits due to me at the end of XXXX! I made all payments up on time never late until I lost my job when the pandemic hit the world. This one infracture was due to something completely out of my control, and there was no state or government support to aid me with drowning financially unable to meet my normal responsibilities rent, food, credit cards, utilities, student loans etc. All of which have worked with me to update and defer payments during this unprecedented pandemic. That being said I was disheartened when I called Total and asked for them to remove the late from all 3 credit bureaus and they declined knowing the reason and not considering I have a flawless payment history prior. I feel this is severe and not my fault. I have resumed my excellent payment since after receiving my unemployment benefits. I just wish they would be compassionate during this one late payment
|
| 10/22/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
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on XX/XX/XXXX I submitted a payment of {$50.00} to Total Visa and it was removed from my bank account. I log in to pay my bill on XX/XX/XXXX and im notified that I need to call because my account is past due which is not correct Ive never had a late or missed payment with this company ever over the duration of having my account open for three years. So i give them a call and im notified that my payment was returned from XX/XX/XXXX and that my account is now closed and that I need to speak with my bank. I then call my bank and Im advised theres no record of this and that it did not happen, my statement reflects this as well there are no charge backs. So now my account with Total Visa is being closed and theyre charging me a late fee as well as the returned {$50.00} payment as well as the annual fees. Ive spoken to numerous people about this with zero resolution. I was advised I needed to send my bank statement through fax or mail but the fax line was busy for hours until I was finally able to get it to go through. Now, not only is an account Ive had open for three years being closed, Im being charged a late fee, the returned payment and the annual fee for the dates XXXX and my account is closed and a late payment will be reported to my credit file when none of this is correct.
|
| 04/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
|
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I received numerous voicemails and am typing verbatim the message left.
" This message is intended for XXXX XXXX ( spelled wrong ) my name is XXXX XXXX ( False name ) with XXXX XXXX Customer Service. I'm calling regarding some paperwork that I received in my office yesterday under your name and social security number. You do need to be advised that I have request to place on my schedule a certified notice of intent regarding civil pending claim being filed against you. So before I saw your residence or even your place of employment I'm giving you a courtesy call to inform you you will be placed on my schedule to serve. All questions concerning this matter you need to contact XXXX. Refer your claim number XXXX.
The number referenced is different than the number called from which is XXXX I called back spoke with a person who identified herself as XXXX. I asked for documentation as I was unclear what she was talking about. Her response was I would get the info in court. Out of fear I paid this woman {$100.00} which I will never get back.She also stated there would be a {$120.00} processing fee. She stated she would email a credit card authorization form to me which she did not. I had to change bank accounts and am just trying to warn others. This company is not legitimate.
|
| 12/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
Received several Voicmail regarding a petition filed agains myself with a reference number. Received calls on work phone as well as cell phone from a XXXX XXXX of the XXXX groups regarding Total Visa Card she threatened me with suing and utilized tactics to force me to make an agreement that I can not afford. The aforementioned agreement is not within my means but a verbal demand was made to pay within 10 days also XXXX XXXX insisted for my debit card to pay and demanded to know what bank the card was from. Then I was transferred to a payment verification department that requested my permission to be recorded I declined and the gentleman said the recording was for my protection. They also asked for the 3 numbers on the back of the card which I believe is not necessary for a transaction. XXXX XXXX also stated that I would save on legal fees and now will not be sued and asked for my email address to send a paid in full letter although I requested the information to be deleted from my credit report. Also is was stated in the call that their organization had an incorrect address.
Voicemail left XX/XX/2021 & on work phone XX/XX/2021. I returned the call XX/XX/2021 and that is the day I was forced to make a payment agreement by violation of the Fair Debt Collection Act.
|
| 03/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I paid more than {$810.00} for a XXXX '' XXXX XXXX XXXX listed for {$990.00} at XXXX store. The total to be paid was {$1000.00}. Why not lease it company did not send me a letter to pay the difference off and the television would have been bought free and clear as I thought I was doing. However, I received a letter which stated that I have an additional {$1400.00} to buy out the TV, which is a rip off. Mind you, the XXXX attendant that day said that you are buying a TV and paying bi-weekly installments. The advertising was misleading then, because the TV had a sticker price of {$990.00} and I am not going to overpay for a TV that gets devalued everyday with newer models coming out. I was under the impression that I was purchasing it with a bi-weekly payment to pay it off fast. There were no follow up letters to pay off the balance of {$270.00} and they intentionally sold the bill to a collection agency for over {$1700.00}, as if I have never paid one dime for the TV ( a depreciating asset ). You are the ones with bad business practices set out to rip off people under a disguise partnering with XXXX. I would like for you to correct my balance with the collection agency because I paid a substantial amount for fair price of the TV at that time. Thank you.
|
| 10/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
This is a continuation of the problem from Complaint XXXX. After the company finally determined I was not responsible for the fraud charges, they " supposedly '' adjustment my account, however, as you can see by the documents I have attached in both of my faxes they ADDED the fraud charges back onto my account!!
Additionally, all of those interest charges they have on my account were calculated based on the balance with the fraud charges. Why would I pay interest on fraud charges. The same for late fees, I made monthly payments however I was told when I initially called in that the late fees would be waived.
They have now started to call me and email me daily for collections on my late account payment. I am not going to continue to give them money until they clear up the fraud charges. The first step would be to remove them, permanently. Secondly, they need to recalculate my interest, starting with the interest of XXXX on XX/XX/22 ( prior to the fraud, the interest on my balance was XXXX ). That alone tells you that they are charging me interest on fraud charges. If I pay the amount they say I owe them, I will end up with a credit and at this point, I do not trust them to honor that credit as they have proved to be quite dishonorable.
|
| 07/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have contacted the credit card company on several occasions. OnXX/XX/XXXX I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XX/XX/XXXXI was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 fromXX/XX/XXXXand one fromXX/XX/XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months!
I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
|
| 06/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To TCI TOTAL CARD INC I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached
|
| 09/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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ON XX/XX/XXXX I submitted a complaint with the CFPB about The company TOTAL CARD INC ... total card was sent a certified letter asking for proof of the account which I asked for the original signed contact,,, so this why I filed a complaint with the cfpb,,, they failed to send me the proof within 30days,,, they responded back to the cfpb stating that they sent the attached original contract with the first response,, that was not true,,, there was no original contract attached to the 1st response,,, so I refiled another complaint because no original contract was attached ... this is not right the company was given ample amount of time and chances to provide the proof that I requested.. its been way past 30 days and I have yet to receive my proof of contract with the original signature on it,,, total card responded to the 2nd complaint on XX/XX/XXXX stating on XX/XX/XXXX that the original was mailed, as of XX/XX/XXXX, ,today is XX/XX/XXXX and no mail has came to me,, this is not right this company has violated my rights as a consumer and the account needs to be removed from my file,,, the account is reporting inaccurate on my credit reports,,, please delete the accounts from my file,, or I will filing a small claims,,,
|
| 09/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I made a payment on my Total Visa Card on Friday XX/XX/2020 at XXXX XXXX with my debit card. Total Visa failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because Total Visa failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at Total Visa by the name of XXXX agent ID XXXX. She pretty much said Total Visa terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. Total Visa Card reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my XXXX XXXX XXXX score decreased due to Total Visa reporting inaccuracies.
|
| 08/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
|
| 07/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I filed complaints XXXX, XXXX and XXXX. While the results from XXXX re investigation end in removal of the accounts in question from my credit report something is terribly wrong between the CBs investigations or the company XXXX XXXX XXXX XXXX XXXXXXXX XXXX is deliberately reporting different information to the different credit bureaus ... .someone is providing false information because XXXX claims to have updated the information. Furthermore, the accounts in question have yet to be removed from my reports in complaint XXXX. I try and have patience regarding these matters but the CBs seem not to have a problem putting the information on my report the same day it should be removed as well in a timely manner. I refuse to allow this to keep happening and will continue to complain until this matter has been satisfied. If the accounts are verified as mine then I will not deny them but playing around with my credit is doing serious damage to my credit and the next step will be a law suit. I have tried contacting XXXX by phone and the website and it says that the system can not access my account due to on going disputes but claims I can view the status ..but will not let me as of X/XX/2017
|
| 04/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX Bank ( same as Total Bank , Inc ) refuses to report my account XXXX XXXX XXXX XXXX as settled in full wh ich it was via XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I filed dispute with you for XXXX and XXXX last year. XXXX fixed it, but XXXX dispute ( # XXXX ) produced NO results ( XXXX XXXX ). Since then I have to dispute this with XXXX every month as they take this in and out of my report. Pls review my previous dispute ( XXXX ) - THEY ARE THE SCAM! Pls verify with XXXX XXXX . XXXX XXXX says that I have another account with them # XXXX XXXX XXXX XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by Total Card Services, XXXX XXXX XXXX XXXX , XXXX XXXX , SD, XXXX ( XXXX XXXX XXXX ). PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over XXXX in credit card debt and it is all clean except these XXXX stupid accounts that I am not liable for. Thank you XXXX XXXX
|
| 09/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.
The bank name is being reported differently on my credit reports : XXXX ; XXXX XXXX XXXX with address as XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX : The XXXX XXXX XXXX with address as XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX/TOTAL CRD with address as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX : current status is listed as Charged Off as bad debt XXXX : current status is listed as Charge Off XXXX current status Acct transferred to another office XXXX : 30 day late XX/XX/2017 XXXX : 30 day late XX/XX/2017, XX/XX/2017 XXXX : 60 day late XX/XX/2017 XXXX : 60 day late XXXX date of last activity : XXXX XX/XX/2017 XXXX XX/XX/2017 Closed date of XX/XX/2017 is only being reported by XXXX
|
| 05/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American, Servicemember |
|
This debt was owed in the year XX/XX/2004, a date 14 years previous to this year. I did not begin receiving notices of the amount owed until 7 years ago. It has been another 7 years since then. My understanding of the bankruptcy laws is that the working poor have the debt discharged after 7 years. After another 7 years, there should no longer remain any record of such debt. I have neither the time nor the resources to take this matter to small claims court, to bankruptcy court, or to any other court. When I do not work, I am not paid. I do not work every month of the year. When I work, I do not work every day of the week. When I work I get paid, but only when I work. I need a break from the onerous burden of having to go to court for every little matter than time, given time, has the time to heal. May this debt collection agency be ordered to cease and desist harrassing me for a debt that long ago ceased to be held against me? It is not the original credit card company or bank servicer anyway ; it is some johnny-come-lately predator seeking to frighten me into paying it off. I owe them nothing for the fact of their having discovered this older-than-a-decade debt!
|
| 05/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
- This company is reporting my account as 30 days past due for the month of XXXX but I have made my payments on time. - Last month it showed that XXXX was 30 days past due but once it updated, it showed that XXXX , was in fact, not 30 days past due but is now showing XXXX was. -Prior to that, it showed that XXXX was 30 days past due but once it updated, it showed that XXXX , was in fact, not 20 days past due but stated that XXXX was. This is very confusing and seems to be a system glitch that continues to carry forward into the current month. I anticipate that once my XXXX payment ( made XXXX ) reflects on my account, it will show XXXX as past due. For the record, I paid XXXX 's payment on X/X which was the total remaining balance leaving me with a zero balance. This was paid in an effort to stop this from continuing. Below is my payment history since the beginning of the year. My normal monthly payment is due on the XXXX of every month. XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX
|
| 09/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We am continually receiving calls from XXXX, Total Card, to collect a debt belonging to XXXX XXXX.
My land line phone number, XXXX, used to be assigned to XXXX XXXX 's father, XXXX XXXX. I was assigned this phone number in XX/XX/2017 by XXXX XXXX. We get a call at least once per month from Total Card requesting to speak with XXXX XXXX. I have told Total Card numerous times that XXXX XXXX is no longer at this number and not to call.
My XXXX sister resides with my husband and me, and she gets very important calls regarding her medical issues from her medical providers. Having to answer calls from Total Card causes calls from my sister 's medical providers to go unanswered because she or my husband and I answer all calls in the event the call is for my sister from one of her medical providers.
We would like to have Total Card contacted and have our land line phone number, XXXX, permanently removed from their database as the debt being collected does not belong to anyone in our household and the phone number no longer belongs to XXXX XXXX 's father, XXXX XXXX, as it has been reassigned to XXXX XXXX to me.
Thank you, XXXX XXXX XXXX XXXX NH
|
| 10/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
ON XX/XX/2018 I SEND A LETTER TO Total VISA XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX CRET MAIL.
AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU ..
I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW.
I CALLED BACK ANOTHER TIME SAME DAY AT XXXX EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ...
I ASK HIM DID U GET THE LETTER I SEND OUT ON XX/XX/2018 HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ...
Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system.
Postal Address : Total VISA XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX ) XXXX.
To check your account balance, make a payment, or for other general customer service inquiries, please call ( XXXX ) XXXX.
|
| 11/04/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company XXXX XXXX XXXX is trying to collect {$500.00} and {$420.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from XXXX XXXX XXXX with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX XXXX. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and XXXX XXXX XXXX. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
|
| 07/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. I was so embarrassed. Luckily, I had other funds on me. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payments have never been late, returned, missed, and I always pay in full.
This is also a bad situation because I had used all the money in my bank account to make a payment. So I had no additional money at all. I had no way to put gas in my car, feed my kids, or use at all. I ended up borrowing money from family members.
I spoke to two supervisors ( XXXX and XXXX ) and a manager XXXX who was no help at all. They said there was no way to help, call my bank, or expedite. I sent a screen shot of the posted charge as requested and they still declined to remove it.
I am very disappointed in the way I was treated by this company and that they would leave a good customer with no money or any way to feed their family.
|
| 12/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My exwife received a call from XXXX XXXX from a woman named XXXX, she left a voicemail on her phone which clearly states her new married name, alos have to mention the cell phone they called is only 2 years old and was obtained by her after I opened this account has no connection to my account. She proceeded to say they were a debt collector and that I had until XXXX this evening to call her back or other action would be taken and that I would give up all my rights to dispute a voicemail that was saved. When I called I spoke with a Mr XXXX, supervisor and I advised him I had no idea what it was about as i never received a call or a letter from them notifying me of any debt. I explained that currently i am out of work and have mortgage, car payment etc. He responded by saying they should be a priority and offered to take payment now. I explained didnt have time to speak about this, to which he responded, WHY YOUR NOT WORKING YOU HAVE PLENTY OF TIME. I then tried informing him of the FDCPA and he said I was wasting his time and the only thing he would talk about would be a payment.
|
| 01/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I closed my card on or about XX/XX/XXXX. At the time I closed the account I had a credit of {$280.00} and was told the credit would be issued within 30 days. On or about XX/XX/XXXX I reviewed the monthly statement and saw the credit reflected in the balance. I called the help line and was told that there were still two days remaining in the thirty days from when I had closed the card. On XX/XX/XXXX I called again after checking my account online and seeing the credit still reflected. I was told that a a request had not been made to send the refund check. I formally requested the credit at that point. I also requested to speak with a supervisor to ask that the request be expedited. I was told these requests take 30 days. I called again on XX/XX/XXXX. And spoke with a representative named XXXX who saw that the request had been submitted on XX/XX/XXXX but had not been expedited. She claims to have submitted another request and requested that it be expedited. I feel this company is stringing me along. If I owed them nearly XXXX dollars I am sure they would not be so complacent.
|
| 06/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On Friday, XX/XX/2020 I made a payment of {$290.00} with my debit card. I asked if my payment would be applied to reflect the account balance back to XXXX before the new statement date.
The young lady was nice and stated she wasn't sure when it would be.
My reason for making the payment is to show XXXX balance and not bring my debt ratio up and negatively affect my credit score.
I logged into my account on Saturday, XX/XX/2020 to make sure balance was XXXX and noticed it still showed a balance of {$290.00}. I call the customer service # to find out why my balance wasn't XXXX. The lady states that if you don't make a payment before XXXX XXXX central time it won't reflect until Tuesday, XX/XX/2020.
If that is a policy with the company, then they need to show that when making a payment so customers are aware of that.
My credit score has dropped 40 points because of that and I am looking to move and my score needs to be in the 600 's.
I need you to reflect on my current balance of XXXX of my credit report so I can apply with the leasing office asap. Thanks
|
| 08/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
MY NAME IS XXXX XXXX, SSN XXXX, DOB XX/XX/1986 I HAVE HAD SEVERAL ISSUES WITH TOTAL VISA CARD AND THEY FAIL TO MAKE THINGS RIGHT, I RECEIVED LATE MARKS ON MY CREDIT REPORT, I ASKED FOR A GOODWILL REQUEST AND IT WAS DENIED STATING IT WAS ACCURATE, I AM NOT DENYING THE VALIDITY BUT THEY NEVER SEND ME STATEMENTS, THEY NEVER CALLED ME TO REMIND ME OF PAYMENT, I HAVE NEVER TALK TO THEM AND WHEN I DID THEY SAID IF I MADE A FULL PAYMENT THEY WILL REMOVE THE LATE MARKS WHICH THEY LIED BECAUSE NOW THEY ARE SAYING THEY WILL NOT. I AM GOING TO SUE THIS COMPANY IF THEY DO NOT REMOVE ALL LATE MARKS AND REFUND LATE FEES TO MY ACCOUNT, BUT MOST IMPORTANTLY ALL CREDIT LATE MARKS MUST BE REMOVED FROM MY CREDIT REPORT, I AM UNABLE TO GET A MORTGAGE THANKS TO THEM, I DEMAND THAT THEY SEND ME DOCUMENTATION STATING WHY I DONT RECEIVE STATEMENTS, ALSO WANT RECORDINGS OR PROOF THAT THEY ATTEMPTED TO CALL ME TO COLLECT PAYMENT IF THEY FAIL TO PROVIDE ME WITH THAT THEY MUST REMOVE LATE MARKS UNDER FEDERAL LAWS OF CREDIT REPORTING OR I WILL BE FORCED TO SUE TOTAL VISA CARD AND XXXX XXXX XXXX
|
| 01/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have a consumer debt with Total visa card that was charged off and sold prior to me being able to pay off to XXXX XXXX XXXX XXXX at that time it was reported to my credit as a negative item, I contacted XXXX XXXX to handle the account at that time I was told it was going to ruin my credit and that I owed more than I did. I disputed the issue and was harassed for months regarding the debt finally I called again to handle the debt and was hung up on over and over again, I contacted a law firm that was pursuing a case of class action against XXXX XXXX and was advised that they buy debt and have used tactics against the FDCPA. Now there is no contact information for XXXX XXXX and when you call there # it goes to a different company. I have called the original creditor and was advised debt was sold they no longer have control of the bill I would like to have this item removed from my credit since there is no active company to pay or that is actively collecting on the debt. This account is affecting my credit and there is no way to resolve the bill.
|
| 03/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I would like to file a formal complaint against XXXX XXXX. I have sent several formal requests, dated XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 ; XX/XX/2017 and XX/XX/2017. I have certified mail receipts for the requests to validate accuracy of debt being reported to the credit bureaus. The amount they claim I owe has changed. A request for accurate reporting was requested after each change. Their reporting is inaccurate and incomplete. I've tried disputing with the credit bureaus, and they too say debt, has been verified and updated. When requesting Bureaus to provide how they verify, they fail to comply, which leads me to believe they have false, inaccurate and or incomplete information reporting against my social security number. Which is a serious violation of defamation. That is not legitimate verification reporting accurately. My requests have been clear and specific, but yet, I continue to get the same responses repeatedly that are not addressing my requests to validate this debt and the accuracy of the information being reported.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX.
These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I accord with the Fair Credit Reporting Act, the list of accounts below are violating my federally protected consumer rights to privacy and confidentiality under Title 15 USC sect. 1681, et al.
XXXX XXXXXXXX XXXX, acct. # XXXX XXXX XXXXXXXX XXXX acct. # XXXX XXXX XXXX, acct. # XXXX XXXX XXXX, acct. # XXXX XXXX XXXX XXXX acct. # XXXX XXXX XXXX, acct. # XXXX 15 U.S.C. 1681, section 602 ( A ) gives me the RIGHT TO PRIVACY.
15 U.S.C. 1681, section 604 ( A ) ( 2 ) a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information- any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX has incorrect / missing data past XXXX. XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX.
XXXX when disputing incorrect/missing data past XXXX for this line keeps reporting post dispute the line as a Charge off each month I submit a report to remove line due to incorrect/missing data & past XXXX.
I have contacted XXXX directly who reports via phone that incorrect/missing data past XXXX can not be validated by them as they are unable to access the data due to age of the line. I was advised to contact the credit reporting to have the line updated/removed.
When asking the XXXX owner who is updating the info incorrectly to the agency, the XXXX could not access the data due to the age of the debt.
XXXX was removed by XXXX, XXXX, and XXXX due to incorrect/missing data past XXXX.
Requested XXXX to remove due to incorrect/missing data and the age of line past XXXX. XXXX instead keeps adding charge off indicator each month a dispute is added vs adding the original charge off date.
|
| 03/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Sent written letter to XXXX XXXX ( inquiry date XX/XX/2020 ), XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX notifying them that my XXXX credit report showed unauthorized hard inquiries they had made and that I was not aware of. I requested that these inquiries be removed immediately. These inquiries have been cited recently as a reason that I am not able to be approved for credit. I also sent a copy of my XXXX credit report showing the inquiry. In addition, as per the instructions from the FTC, I sent a written notice to XXXX that these inquiries were unauthorized. As of today XX/XX/2020 the unauthorized inquiries have NOT been removed.
As the names of the companies and the dates of the inquiries are clearly shown on the credit reports, the facts are clear that these companies are the correct companies to contact and are the correct companies to remove the inquiries. This is indisputable and a violation of FTC statute, so I am requesting an immediate removal from my credit report before further damage is done.
|
| 11/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
To Whom It May Concern, I have had only one account with you all for 3 Years and 4 Months. With that account, my debit card expired XX/XX/XXXX and you never sent out a new card. I called and advised that my card was expired in XXXX and you all advised that you would send me a new card and my account is still open and active.
However, you gave me a new card number for some reason and created a duplicate listing on my credit report. You sent me a new card with a new card number XXXX which should not have resulted in you changing my card number as the original card was never lost or stolen. The card had only expired and I never requested for the card number to change. However, there should not be two listings on my credit report.
You need to remove the Closed Accounts you are reporting to all three credit bureaus.
You have the following listings on my credit report : *Both Accounts have an Open Date of XX/XX/XXXX and I have only one account with you but two accounts on my credit report.
XXXX - CLOSED XXXX - OPEN
|
| 11/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I already reported this? Repeat myself?! # 1st, this sloppy credit card starts with XXXX XXXX, these petty thieves kept charging me for unordered unauthorized overpriced junk made XXXX XXXX!! I had to raise XXXX and get angry with these inept credit card employees, The card was closed so XXXX could NOT scam me!!! Now 45 days later NO competent resolve from total visa, some inept employee today, tried to undermine that fraud and unauthorized charges is not deceit??? XXXX and unacceptable, these greedy thieves at total visa expect me to pay for fraudulent charges made by XXXX XXXX!!! I made a 1 time purchase, thats it? simple, I did not agree to be scammed, ripped off with a continuous and phony subscription of 12 more generic made overpriced XXXX XXXX? How XXXX is that?! # FTC says to tell these blundering derelicts at total visa, to file a dispute and/or charge back, these inept employees tell me this my problem? NO it is there responsilibilty to get my money refunded that was scammed from my credit card?
|
| 05/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
This is in regards to BOTH a Total Visa account and a XXXX XXXX XXXX account. XXXX XXXX ACCOUNTS! I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX . I had my ID stolen at age XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by XXXX and XXXX because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid the entire balance of the account off XX/XX/2015. I spoke with customer service they provided me with the codes and information to pay via XXXX XXXX.
The problem is that the payment was not posted on the Consumer Credit Reporting Agencies as paid. It was initially reported as an un paid charge off. I complained they later changed the status as a charge off paid to another creditor. I paid the original creditor XXXX XXXX. I ended up having several heated exchanges with XXXX XXXX 's representatives. Eventually, I was able to speak to a representative from XXXX XXXX who assured me that the information would be updated and corrected on my consumer Credit Reports. It has not been corrected. A new creditor I believe who recently acquired XXXX XXXX is now incorrectly reporting that I have a charge off with their institution.
I am concerned that the repeated reporting of incorrect information regarding my account with XXXX XXXX is a result of several contentious conservations with their employees.
|
| 06/24/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
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|
I XXXX XXXX entered into a consumer credit transaction with total visa. I paid this account in full and closed it with a representative on the phone. A few days after total visa billed me for a annual fee knowing that the account was closed and never used since the date it was closed.This violates my right as a consumer and is an unfair practice pursuant to 15 usc 1692f. Total visa continues to bill me violating my rights as a federally protected consumer.Total Visa is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws Total Visa continue to negatively impact on my consumer credit report.
I did not give Total Visa DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). Furthermore, Total Visa has been in receipt of my certified letter containing a affidavit of truth, cease and decease, a debt validation and a invoice for payment. Its has been more than 30 day with no response which means they have defaulted my affidavit.
|
| 04/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I learned that XXXX XXXX/XXXX XXXX XXXX had reported a {$200.00} Charge Off them on my credit reports in XXXX.
I disputed with the credit bureaus in XXXX and XXXX XXXX verified with the credit bureaus in XXXX. I then wrote XXXX XXXX requesting information in regards to this debt.
They did not respond to my XXXX to them.
I received a notice from a collection agency in XXXX and so I wrote them a letter requesting validation of the debt. The collection agency then sent me a letter stating that this account would be sent back to XXXX XXXX.
I have spent hours trying to get any type of clue what this account is for with XXXX XXXX and I have yet to receive anything about this however it is still being reported to my credit bureaus. I asked the credit bureaus to give me the method of verification and they gave me the number to XXXX XXXX and they are no help over the phone or in writing. I am at my whits end with this company and its unlawful reporting to the credit bureaus.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I was a victim of Identity Theft, credit cards were opened in my name fraudulent. Total Card Inc ( TCI ) sold the account to XXXX XXXX XXXX, XXXX, ( XXXX ) when XXXX reached out to me I explain it was Identity Theft. On XX/XX/XXXX, XXXX investigated my dispute and closed the account for Identity Theft XXXX attached ). I received a letter from TCI on XX/XX/XXXX dated XX/XX/XXXX, that TCI did an investigation and I liable for them. I talked to XXXX, she stated the account where not in their office, they were sold to XXXX. Since TCI sold accounts and it was found I wasn't liable for them. I advised XXXX I was going to get a lawyer. Reporting false information to credit bureaus is against the law.
On XXXX, I talked to XXXX, she advised me to send the reports to XXXX, I agreed but I informed her I was going to CFPB.
Attached is the police report to show Identity Theft for fraudulent credit cards and unemployment claims by Officer XXXX, XXXX.
|
| 10/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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On XXXX/XXXX/2018, I sent The XXXX XXXX XXXX a Validation Letter asking them to provide documentation. The attached return receipt shows that the letter was received on XXXX/XXXX/2018 and that Sue signed for it. It is now XXXX/XXXX/2018 and I have not received anything from The Bank of XXXX XXXX. It shows 2 separate accounts on my credit report from them. Both accounts are showing a credit limit of {$300.00}. I have never heard of this company and I've never done business with them. In the payment status comments, It shows that the account had been transferred to XXXX XXXX XXXX but, Its listing Bank of XXXX XXXX as the company that is reporting the negative account. Not XXXX XXXX XXXX. I have had someone to steal my identity in the past and these are definitely not my accounts. The address associated with this account is not even the address that I lived at. I will provide a Lease showing the address where I stayed
|
| 04/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I have filed bankruptcy ( Ch XXXX ) about a month ago and they are saying they are pressing the following charges : Breach of contract Malicious intent to avoid repayment The account was opened in XX/XX/2016. I am not employed. I also now receive SSI. I made some payments on the account. I didnt purposely stop paying them. The company is saying I signed something stating I will not file bankruptcy. Is that even legal? When I told them they asked for a copy of the order but I am afraid to send it because I don't know if they are legitimate. I told them I filed and that they are violating the bankruptcy laws by continuing to contact me trying to collect on the debt.
It is a collection agency calling me on their behalf. It sounds like an illegal practice to collect on the debt. Here is the contact info for the collection agency.
XXXX XXXX
|
| 09/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
I made a payment on my XXXX XXXX XXXX on Friday XX/XX/2020 at XXXX pm. XXXX XXXX failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because XXXX XXXX failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at XXXX XXXX by the name of XXXX XXXX ID XXXX. She pretty much said XXXX XXXX terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is illegal to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a XXXX, told me she doesnt know their schedule and failed at informing me how I can speak to a XXXX.
|
| 01/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have had nothing but problems with this creditor since I opened my XXXX XXXX and XXXX XXXX cards. I recently closed them because I explained I was on unemployment due to the pandemic. It took 4 weeks for me to finally receive my money yesterday. 2 days after the due date, I was ready to pay the accounts in full, when I went to do so I saw that I was charged 2 more {$40.00} fees at this point they have charged me almost 3 times what my {$300.00} limit is in fees. Literally every other credit card company and bank I deal with has worked with hundreds of customers including me by changing policys to adjust to what is happening with this pandemic, I have not been charged a late fee by any other creditor during this pandemic while struggling to make payments, only with this creditor. I was also threatened with adverse actions against my credit for being effected by the pandemic.
|
| 07/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter from Total Card Inc. that represent the client XXXX XXXX XXXX XXXX charging me for a debt of XXXX that is not mine.
The date of the letter is XXXX XXXX , 2017, but I just received yesterday and it says the original creditor is XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX .
I never had an account with XXXX XXXX XXXX or XXXX XXXX so I don`t know why I am being charged.
I called XXXX and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.
I also called TOTAL CARD INC. that represent the XXXX XXXX XXXX XXXX and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore it!
|
| 09/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
|
I applied for an unsecured Visa credit card through Total issued by the XXXX XXXX XXXX. Phone number ( XXXX ) XXXX. I was approved for the credit card on XX/XX/2019 and asked to pay a {$89.00} program fee. I paid the program fee, and upon completion of the fee processing my account would be opened for use. Since paying my program fee, I have called to check the status of my account and the automated message tells me " that my program fee has been paid and my account should be open within the next 60 minutes. Four weeks later I'm still getting the same automated message. I have a card that's useless and I have a program fee that is potentially lost. I am unable to get a live person on the phone or even live chat with anyone through their website. The website does have a support email contact. I've sent several emails to the support contact address and no one has responded.
|
| 08/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of XXXX and XXXX have incorrectly reported the balance of my Total Visa Card as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my XXXX XXXX from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My Total Visa Card is listed as XXXX on my credit file.
|
| 11/14/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
XXXX XXXX XXXX Account number XXXX unverifiable Account
|
| 06/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I applied for a Credit card through total visa. They charged me {$89.00} for processing fee and {$75.00} for annual fee. I paid both before I received the card. The first card took a month to receive so I called in to report card lost. They issued out a second card on XX/XX/XXXX I received the second card approximately XX/XX/XXXX or XX/XX/XXXX. I was not able to create online account to view billing statement because I was waiting on second card to arrive. After the fees were taken out I had a balance of {$220.00} I used the card on XX/XX/XXXX XXXX. On XX/XX/XXXX I tried to use card again it declined. I called total visa they stated I didnt pay {$39.00} on XX/XX/XXXX half of {$75.00} annual fee. I stated how can I pay {$39.00} when I knew nothing about it because I never received the card or disclosure. This company Is a rip-off
|
| 02/22/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
On or about XX/XX/2022 I paid off, in full 5 credit card accounts, and sent letters to close those accounts. For some reason, one account XXXX XXXXXXXX the worst of accounts refused to close the account. I was only made aware of this by a bill they sent me a week ago. I called them, they said they received no such letter ; I sent all 5 by certified mail and my computer has the original letter and date stamped when it was written. This Company is basically committing credit card FRAUD!! Their card was promptly shredded and even their records show it has not been used!! Why is it that the other 4 creditors had no problem but Total Select, the bottom of the barrel, when it comes to credit cards, has ignored my request and is basically trying to scam me for money I DO NOT OWE THEM?!? I closed that XXXX account and I have proof.
|
| 09/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I keep receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of garnishment of wages, job loss, being sent to jail and prison, threats of violence and death from Total Card, Inc. Debt Collection Representatives for a debt and fraudulent XXXX XXXX XXXX credit card account I never applied for and thats not my account. I never applied for or received a XXXX XXXX XXXX credit card. The account is fraudulent and not my account. Its extremely disturbing, disgusting and frightening to be receiving telephone calls of profane language, threats of violence and death from Total Card, Inc. Debt Collection Representatives. I am in total fear of my life. Total Card , Inc., is in major and serious violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws.
|
| 01/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
My wife " had '' A total XXXX XXXX. I was a user on her account. It was closed out for non payment. We started working on our credit. I was approved for a total XXXX card with my wife as a user. The card is 5 or 6 months old. XXXX charge on card each month. 300.00 limit. I pay 40 or 50 monthly yet my available credit never goes down. I am never given full use if the card. My wife believes they are taking our payments and applying them to her old credit card charges that have been charged off and the card sold to a debt collector. The company will no longer acknowledge my wife as a user on this account, they won't give me access to my statements online or via phone. I Believe we are being fraudulently used by the credit card company. And they refuse to remove my wife 's information with me as a user on her old card.
|
| 01/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I made a payment on the day before my statement closing date of XX/XX/2020, my payment was made with guaranteed funds and before the XXXX cst business day cut off to post that day. The company did not post that payment and even tho I notified them, sent inaccurate information to the credit bureau knowing that they were reporting incorrect information. I was also charged interest and a late payment fee per the representative, after speaking with a supervisor name XXXX who refused to take any action to prevent the delivery of incorrect information from reaching the credit reporting agencies and also continued to say the cut off was XXXX cst when I Refered to the disclosure where it stated XXXX she refused to send the documents showing XXXX. I have attached the disclosures, refer to page XXXX on payment posting.
|
| 09/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I opened my Total XXXX credit card in XXXX 2016. I have had abut 5 credit cards reported lost or stolen by the company. I will use the card and it declines. When I call the company ; they tell me the card was reported lost/stolen and a new one is en route. I have never called them and reported my card lost/stolen however I receive a new card every few months. The bigger issue is when the card is reported lost or stolen ; it is reported as a new account on my credit report every time. So it will close the account and open a new account which affects my score and does n't establish the payment history which is why I opened the account in the first place. I called the company and was told there is n't anything they can do when it is coming up the card is lost. I, the card holder is not reporting the card lost.
|
| 03/10/2016 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I have received a threating letter from Total Care, Incorporated address XXXX XXXX XXXX XXXX XXXX, Falls, XXXX.
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period.
Current Creditor : XXXX XXXX , XXXX, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX.
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Vervent/Total Card Solutions has listed a negative remark on my credit report. I have tried disputing the issue. The agency has failed to produce any documentation to prove this account was mine.I have attempted to contact Total Card services and have been advised that they are no longer servicing my account and refused to provide me with any information I needed. I was advised that XXXX XXXX XXXX is now servicing my account. XXXX XXXX XXXX has advised that they stopped all reporting efforts on my credit report. At this time, Vervent/Total Card is on my credit report still listed as a charge off. If the agency is no longer service my account and refuses to prove my account ownership, they should not be allowed to report negatively on my account. I want for this account to be removed immediately
|
| 07/12/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION.
I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is XXXX years.
THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS
|
| 02/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
payment was made on the weekend. i went to the credit card website to make a payment as i went to the site to make the payment with my checking account it was declined. so i used my debit card. the next day i noticed that there was two transactions it was XXXX that the original payment with checking was processed. i called the bank where my checking account is held who advised that the credit card company would need to be on the line to fix this issue. when contacting the credit card company the agents stated that they were not able or unqualified to assist with this issue and continued to refused to provide bank with the information required to fix this charge and stated that there was " nothing '' they could do on their end. never seen as much so i advised to close the account.
|
| 03/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I called XXXX Visa ( XXXX XXXX XXXX ) they have a derogatory account on my credit report that they sold to two different collection agencies XXXX XXXX and XXXX. I have never had an account with this company and they are unable to find me in their system. They wouldnt provide me any assistance with this issue. The document that the collection agency XXXX provided has an address listed on there that is not a real address when you google it. I provided the company my social and the card number listed on the paper. This a fraudulent account and this company is selling my information to companies for a debt that is not owed to them. They transferred me to another collection company who isnt listed on my credit report but, wouldnt provide any additional information about XXXX visa.
|
| 07/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a collection notice from Total Card Inc. in XXXX XXXX, South Dakota stating that they are acting on behalf of a now defunct credit card issuer XXXX XXXX XXXX. They claim that they are trying to collect on a debt I incurred using the XXXX card and offer to, and I paraphrase, resolve this debt for pennies on the dollar, potentially saving me {$1800.00}! I've never had an XXXX credit card, I had never heard of XXXX until today, and I carry no credit card debt.
I was going to contact TCI today but decided I should hold off since by contacting them they are alerted that I'm a bonafide person which might initiate additional credit scams.
Not sure what steps to take next. I would greatly appreciate any assistance or suggestions. Thanks for your time and thoughts! XXXX
|
| 08/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I 1st called to close the Total card on XX/XX/XXXX due to annual fee of XXXX and mthly service fee of XXXX. I received an email in XXXX that I owed money so I called them and they said the account was closed. I called again XX/XX/XXXX spoke with supervisor XXXX about account not being closed and he promised me that it would be taken care of. The most recent call I spoke with XXXX a Supervisor who said this would be resolved by Friday XX/XX/XXXX. I got an email today saying that I owe Total XXXX in late fees and interest fees. This is ridiculous I dont understand why this company wont just close my account. Its been 4 months since I closed the account back in XXXX, plus late payments are being reported to the credit bureau.
|
| 10/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have tried unsuccessfully to reason and explain to TOTAL Visa that they have made a mistake with their reporting of 30 days late on my account and have gotten nowhere. I have sent in proof that my payment was made on time by sending them information via email and fax and also through the CFPB and they have refused to acknowledge their error. They have received a screenshot of when I submitted payment, bank statements proving their claim of that bank account being closed or not found as being wrong and bank statements showing Ive used that account with them in the past. I will now be sending in proof that my Credit Union never received request for payment as I also had to file a complaint with the NCUA about this matter.
|
| 04/21/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This company Total Card keep charging me monthly fees when the account closed and i am in the debt consoldiation program. they didnt closed the account when i call to closed it they wait until account got so delinquient to closed the account. and the account is in the debt management program. XXXX XXXX XXXX XXXX take off money every month pay the creditor I been in the program since XX/XX/2018 my program made every month XXXX payment total card agreed from the proposal. and they still charging me a monthly I call them numerous times to age the account and reverse the fees they have refuses. they say I am late I am not am current on my account throught the debt program. They accept the proposal which means no fees at all.
|
| 07/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
A representative from Total Card , Inc., who would n't identify herself, repeatedly called me in reference to a debt owed for {$450.00} for a credit card account that 's is fraudulent and do not belong to me. The representative repeatedly harassed, oppressed and verbally abused me and threaten me with violence, death, arrest, seizure of my property, wage garnishment and total embarrassment, if I did not pay the debt owed. Total Card is in violation of Fair Debt Collection Practices Act and Minnesota debt collection laws. I told the representative countless times, that I am a victim of identity theft and the account do not belong to me, but my answers and requests, was disregarded. SSN : XXXX, DOB : XX/XX/XXXX
|
| 10/13/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/XXXX I received a collection letter from Total Card , Inc. in XXXX XXXX, SD attempting to collect a debt for {$18000.00} for XXXX XXXX XXXX. Having never had a loan with XXXX I contacted XXXX XXXX and they informed me this account was for a loan in XX/XX/XXXX. This company is trying to collect a debt that is 13 years old and that is in clear violation of Florida law : Fla. Stat. Ann. 95.011 et seq. which contains a limitation on collections of writing contracts to 5 years. Furthermore, this company is in violation of the Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect a debt that is 13 years old and exceeds the statue of limitations for a collection agency to collect a debt.
|
| 10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
total visa refuses to close my account at my request. I reported the card stolen XX/XX/2022. Fraudulent charges were made on my card in the amount XXXX a dispute was made and an investigation. total visa credited my account XXXX and indicated they would mail a check after I requested they close the account after their inability to show proof of me making purchases by providing copies of my signature on these transactions and sending me a replacement card after two separate requests. Total visa card has refused to close my account. refused to mail me the refund they indicated they would and that is an incorrect amount. Total visa has continued to charge me a statement fee/monthly fee in the amount of XXXX
|
| 03/30/2017 |
Yes |
|
- Application processing delay
|
|
Web |
|
|
I applied for a credit card through XXXX and was approved on XX/XX/2017. During this time I did n't receive my card after multiple times calling in reference to not receiving it I finally received it on XX/XX/2017 and I activated it. I had already been charged the Annual Fee of {$75.00} and a Express mail fee of {$35.00}, so I paid the {$110.00} and then they closed my card. I asked them to re-open it because they had obtained the {$110.00} and after 2 1/2 weeks of constantly being told that it would take 3 - 5 business days to re-open the account, I was told yesterday that I would need to pay an additional {$89.00} before they could re-open my account. This is inconceivable and seems to be a scam.
|
| 05/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been working on my credit in order to purchase a house for about two years now. I am finally at the point to purchase a home and have two out of six credit cards that I closed left reporting on my credit report. I have written into the credit card companies, I have disputed through the credit bureaus and I can not reach a resolution. I need help. Four out of six cards were deleted with no problem that technically should still be reporting but for some reason the credit Bureaus will not remove the last two cards and they are negatively reporting on my credit even though theyve been closed for over two years. I am really hoping this helps because I am desperate thank you.
|
| 11/08/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have n't received a response to emails to confirm if payments were suspended. When I received an email from the bank the payment was to be withdrawn from, I called and questioned what the email was for. I honestly thought the payment would be paid. The payment is from a savings account. The payment was returned. I communicated that if I had received notification in writing that I would n't be going through this. I was told that payments were suspended. It reminds me of when I was on the phone with a representative at XXXX and the female employee said something like I told you verbally.
I emailed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX.
|
| 05/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
|
| 12/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked the Florida XXXX XXXX XXXX XXXX for a license search only to find out that this Company has an approved license only for the county of XXXX in the State of South Dakota. They 're not licensed in the State of Florida.
License Type : Consumer Collection Agency Status : Approved Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX License Main Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX License Mailing Address XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : SD Zip Code : XXXX Phone Number : XXXX -
|
| 09/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Total Visa keep losing my payment information. There was a glitch in the automated system and my payment was not accepted. They even gave me a confirmation number, yet, they tell me the payment did not go through successfully on XXXX of this month.
Someone is blocking access to my online account at Total Visa. I made the payment on XXXX of XXXX and they are reneging on crediting the fee to the account. I believe that someone is trying to use my credit and they are supporting their mischief activity. Why am I not able to go online and see the damage to my credit? I made a new payment on the XXXX and I was given a new confirmation number.
|
| 04/04/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
This company sent a letter for unusual activity for me to confirm the card was in my possession and a restriction was placed on my XXXX account. I contact them on XX/XX/XXXX with a letter dated XX/XX/XXXX. Was told they would issue a new card and claim would be submitted to the fraud department and the charges would come off within 2 days. I called on XXXX to only be told the restriction was not removed and now a form needs to be submitted and it can take 60 days for a review. Within 60 days I would be paying this balance within 30 days and these charges are being reported to my credit report reflecting a high utilization on this card.
|
| 12/20/2015 |
Yes |
|
|
|
Web |
|
|
For weeks, I 've asked this company to replace my card, as it has been compromised. Someone has made unauthorized charges on this card. XXXX charge was to a place called XXXX for {$4.00}. Others include XXXX XXXX and XXXX XXXX 's. I reported the card as COMPROMISED months ago, and requested a new card. Then, someone stole the card, and it is no longer in my possession. As a rule of thumb, I make small payments to all of my credit cards. Total Visa was no exception. In spite of this, they have been telling me that I 'm past due of {$43.00}. They are also reporting the account as delinquent, clearly billing me for unauthorized charges.
|
| 02/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXXXXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
|
| 12/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The company call me and said they were going to come serve me with papers I made a payment plan with them to pay each month they take from my checking account I have noticed they are also taken another fee out with my permission, I called and they did n't call me back. They never said there was a fee each month. I never received any paperwork about our arrangement. I want them to put my fee back or I will sue them for going into my checking account and taking extra .I think it is against the law. they frighten people so much you just want to pay and get it off you back. for them to just help them self to a monthly fee its stealing.
|
| 10/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Hi and how are you doing?
Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 09/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 04/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I submitted documentation to the credit bureau regarding the resolution of this account with collection agency ; XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX VISA Acct # XXXX. I received a notice on XX/XX/2021 stating that the account was sold to them ; Total Card, INC listing the same account number that was paid with XXXX XXXX XXXX under- The XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX # XXXX. I contact this agency and was informed that they sold it to XXXX XXXX XXXX, which when I call the number that was given to me XXXX no one ever answers the phone and no one ever calls back. This account has been paid.
|
| 01/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have received a letter from the company Total Visa. I do not have money to have the letter notorized. The reason for the letter is that I have disputed the XXXX XXXX XXXX. I did agree to a trial from XXXX XXXX. but the service was not great and I did not agree to continue services. The sent me a email saying my account was suspended. The company has refused to accept recognition of that email and does not want to refund my account The company is XXXX. The company that needs the notorized letter is total visa. Please let me know if you need additional information to proceed with the dispute.
|
| 12/04/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around. I have been mailing them for 5 months XXXX XXXX who does this
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
|
| 05/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Credit card company won't increase or decrease your credit limit
|
|
Web |
|
|
I have the first access credit card by total visa. I have had this card for over 6 months and have paid my bill every month. I asked for a credit line increase even it was a small one and the last three times they refused. I make enough money I am trying to improve my score but I cant do that with the current limit that I have. I have been a good customer they need to raise my limit. I am frustrated that they used computer software to determine approval or not. What happened to the old fashioned person looking at the account. I am disappointed and frustrated with this company.
|
| 12/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XX/XX/XXXX was the date if theft {$210.00} was amount XXXX was the location I contacted this company several times through the course of this to get it resolved each time I sent in paperwork I was told it would take 60 days. No one ever tried to contact me in between waiting each 60 days to ask for additional information. I was just constantly told it was not received. I contacted the BBB and the company said I never sent them the paper work even though I sent it with someone oven the phone who told me they received it and I sent it 26 times when the BBB investigation started.
|
| 03/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I moved in XXXX XXXX miss read broken meter. This was disputed and resolved with my credit reports and XXXX. Send them documentation XX/XX/XXXX. Now total card is trying to collect with a false statement. ( Bill ) No payment was ever made on this account - no proof of payment has even been made. like I said i did not reside at this address for 5 years. with wahat the payment was made?? proof Check or credit card and the account number that it was paid from? This is a fake bill and they are illegally try to collect on a debt that is no longer even valid by sending a fake bill.
|
| 09/01/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
Total Credit Card issued to husband, XXXX XXXX XXXX in XXXX was included on his XXXX XXXX bankruptcy in XXXX.
They THREATENED to have my wages garnished.
My husband and I were not even together in XXXX. We got married XX/XX/XXXX.
I also filed a XXXX XXXX bankruptcy in XXXX.
We have both added our numbers to the do not call registry.
This is in so many ways fraudulent activity.
Please investigate this 'litigation ' company ( could not get the name of it from the caller ) numbers included : XXXX & XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX XXXX initiated a hard inquiry on my XXXX credit report. I never applied for any account with this bank nor do I have any existing relationship with them in any way. I contacted the bank on XX/XX/XXXX and reported a fraudulent access into my credit report. The bank agreed that the information provided on an application does not match my correct information and that they will investigate it further and remove the inquiry from my credit report within a maximum time of 30 days.
The 30 have passed and the inquiry is still showing on my credit report.
|
| 03/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have already reported this account with incorrect information : Each time I dispute the info the credit agency and creditor add 's a new Charge Off indicator to the recorded : The Account 1. Is too long to be on the report due to its age 2. Charge off indicators for XX/XX/XXXX and XX/XX/XXXX must be removed and should not show as Charged Off each time I make a dispute 3. Open date for the account is incorrect 4. Trade does not show account was Tranfred and Sold : REMOVE THE TRADE LINE AS THE INFO IS NOT CORRECT and Keeps getting updated with incorrect information :
|
| 09/14/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
The company will several times a day multiple times a week when I answer the phone the person on the other end hangs up. An example of this would be yesterday they called 4 times XXXX XXXX, XXXX. Each time I answered the phone someone would hang up. I then called the number and spoke with a XXXX in customer service explaining my issue, she then turned the call over to a supervisor named XXXX who informed me she would remove my phone number from the account. However half an hour later at about XXXX they called again and when I answered they again hung up the phone.
|
| 08/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
To whom it may concern, I received a collection notice with the amount of {$2900.00} from a collection company called TOTAL CARD INC saying that they represent XXXX XXXX. With the file number of XXXX. They offered me to pay 9 monthly payment of {$98.00}. However, I used to have a XXXX XXXX account which was paid off on XX/XX/2017 according to my XXXX report. And the account with XXXX XXXX is XXXX. I also checked my credit report that shows my XXXX XXXX education account was paid off already. I had tried calling this company with no person picking up the phone.
|
| 10/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
I am receiving calls from Total Visa at XXXX XXXX XXXX weekends nights holidays even on a Saturday night demanding money but my bank refused to pay them last XXXX. He never made a demand for money but just calls. I do not know what he is talking about.
He says Total Visa told him to call me at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, New York XXXX but I am on XXXX which is exempt from lawsuit and garnishment but he says that is only the law and he does not have to obey it.
He issued nothing in writing just threatening abusive phone calls.
|
| 02/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
A collection popped up on my credit reports about 6 months ago. I didnt know about this debt and when I figured out where it came from I disputed it three times because the debt came from a credit card company that I didnt apply for ( identity theft ). I requested validation of my debt and the original contract, and that was over 60 days ago and havent received any validity of the debt. XXXX keeps saying its validated and I requested a copy of their investigation and it hasnt been sent yet. I dont owe this debt but they are reporting that I am.
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have not worked since XX/XX/2020 due to underlying medical conditions and an essential worker at the XXXX. I have not been working i have mailed a letter to the creditors stating this and i have been marked negatively on my credit report 101 times this is bit only is a heartless but scandalous move by creditors. My husband has XXXX XXXX XXXX XXXX we have no income coming in until he returns to the XXXX XXXX which is dangerous on top of it my credit score went from the XXXX to XXXX and they have last reported on XX/XX/2020 this is a mess.
|
| 09/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.
A total of 7 payments were made in the amount of {$63.00} as agreed upon with Total card inc The original creditor needs to correct the account or delete the negative remarks on my Account.
Account in question is XXXX/XXXX account # XXXX Account # XXXX
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have late payments showing on my credit car account for XX/XX/2019, XX/XX/2019 and XX/XX/2019. The card is reporting on my credit report twice and the company will not fix the issue. The information on all of the bureaus are inconsistent with one another and also duplicated making it appear as if i have poor payment history with the company on two cards. I gave written the company and emailed and nothing has been resolved. The late payments are not correct, I want the company to remove the late payments and delete the duplicate account.
|
| 11/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Here I am again with this same company! Who now after my most recent complaint decides to finally mark the account as closed on XX/XX/2017 which again is INCORRECT reporting. Second they decide to mark my account as 30 days past-due on the same day! The payments are due every XXXX of the month Were not at the XX/XX/XXXX yet which makes it impossible for me to be 30 days past-due. This company really needs to stop illegally reporting this account on my credit. I will move forward with other action if they dont be fair and REPORT CORRECTLY!
|
| 06/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The company has reported to all 3 bureaus that the account was discharged in my CHXXXX bankruptcy which closed in XX/XX/2021. They are reporting late payments to my credit and sent me another collection letter on XX/XX/XXXX. Bankruptcy guidelines are very strict that once the debt has been discharged they are not to continue collecting. This company is committing fraud by pursuing this the way they are. I want Total Visa to quit contacting me in regard to this matter and remove themselves from my credit and stop reporting late payments.
|
| 08/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a letter from XXXX, XXXX in regards to a balanced owed for XXXX. In reference to that letter they wanted to verify the validity of debt. In that letter there was note that they would mail a judgement outside 30 days of response to if debt is owed. However, I got another letter from another company name A TCI, requiring for me to pay the same amount for debt owed under a different account number. I am concerned because I disputed this debt. I do believe that there is a balanced owed but not two companies. That is not accurate.
|
| 03/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XXXX XXXX XXXX Total Card Inc. XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX mailed me a collection notice, stating if I pay {$360.00} my debt would be resolved with XXXX XXXX XXXX. On XXXX XXXX XXXX I mailed in a payment for {$360.00} with the payment envelope provided. On XXXX XXXX XXXX instead of processing the payment per the written contract they provided and submitted payment for they reported this card that I haven't had since XX/XX/XXXX with a balance of {$300.00} as 180 days late to all 3 credit bureaus with a balance of {$900.00}.
|
| 04/07/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On or about XX/XX/2018, I requested copies of my free credit reports and subsequently discovered several accounts opened in my name fraudulently. On or about XX/XX/2018, I filed a police report with the XXXX Police department via XXXX. XXXX for deceptive practice - financial identity. On or about XX/XX/2018, I filed an identity theft report withe Federal Trade Commission ( FTC report number XXXX ). I notified the respective companies about the theft but have been unsuccessful getting the items removed from my credit report.
|
| 07/22/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
Total Credit Card refuses to provide me with a letter stating my account is paid in full. They are reporting inaccurate information to the credit bureaus regarding the account. They added a comment on my XXXX Credit Report that I did not make the first payment for the card. I paid the initial {$89.00} payment. I also paid {$420.00} via money gram to close out the account. I was told by a representative of the company when requesting inaccurate information to be removed from the report " that 's not going to happen ... ''
|
| 12/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around.
|
| 12/05/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
received collection letter from TCI ( Total Card Inc ) for a debt received from XXXX XXXX XXXX received from XXXX. My XXXX account is current and I have had no other account. My local XXXX office has moved. I asked for validation and verification of debt and to have it removed from my credit report and received a letter stating they would attempt to do so. That was well over 3 months ago and they are now not responding. I am forced to use this avenue and small claims court here in Montana to resolve this issue.
|
| 08/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Total Card, Inc is representing the creditor XXXX XXXX, XXXX that is trying to collect on an old debt for a XXXX XXXX bill dating back toXX/XX/XXXX or XX/XX/XXXX. I received a collection notice in the mail on XX/XX/XXXX from Total Card, Inc dated XX/XX/XXXX. This debt is past the 7 year statute to collect and is likely listed on my credit reports as a charge-off. It shows that if I acknowledge this alleged debt in any manner, the time to collect and potentially have a lawsuit filed against me could be renewed.
|
| 09/20/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I called in on XXXX XXXX, 2017 prior to the payment being due to request for the minimum payment to be removed due to natural disaster hurricane XXXX in Florida. The specialist told me my zip code was not showing as an impacted area. I advised them it was declared on fema.gov website it was and was told to call back in two weeks. I was forced to make a payment that I needed for food and gas. I'm also wanting to see if I can get a temporary credit line increase for the natural disaster relief act.
|
| 09/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
The following account # : XXXX is a fraudulent account and is not my account. The account is from identity theft. I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of legal action, job loss, jail, prison, violence and death from Total Card , Inc., The XXXX XXXX XXXX XXXX Representatives in regards to the above fraudulent account, which is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law.
|
| 02/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company is taking debts and making people pay them when they don't have their account. I contacted them after receiving a letter and they had an account under my previous married name for total XXXX. After investigating with total XXXX this was false information the account was actually in my new married name and is mine. So I feel this company is taking money from people who do not actually owe it to them. Company is XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, KS XXXX XXXX
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2021 XXXX XXXX/XXXX received a validation dispute and the did not investigate. They did not notify the credit bureaus that the account was being disputed and did not give me a response at all for the dispute submitted within the timeframe that is applicable by law. This account has not been validated. On XX/XX/2021 a letter was submitted to this creditor and they still have failed to report to the bureaus that the account is in dispute. No response have be given at this time.
|
| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This company is at this point defaming my character. I have Sent ID theft letters and they are failing to validate the in formation in which they are trying to collect. I have been at this for several months. Trying to obtain any LEGAL validity that the allege Inquiries are mine and they sent back a generic statement. I was a victim so that's inaccurate and under the FCRA and FDCPA laws. this information has to be removed. as it is preventing me from normalcy after the ID theft Storm
|
| 05/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on credit card.
XXXX/TOTAL CRD I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 12/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2018 I received this letter from the company that my account was closed, I was laid off an un able to pay, then in XXXX or XX/XX/2018, I started getting alerts, that I having missed payments, I said to my self how can this be, the account is closed. So that means someone from the credit card reopen the account, with out my knowledge, I hadn't talk to anyone nor did I sign any papers, and I verbally didn't talk to any to give permission, me as a consumer now this wrong
|
| 02/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I had a card with XXXX XXXXXXXX XXXX XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off.
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file.
I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
The company Total Bank Card XXXX XXXX XXXX is reporting the account was included in a Chapter XXXX Bankruptcy. That information is false!
The credit Card was issued in XX/XX/2017 well after the Bankruptcy was discharged.
My Bankruptcy was XX/XX/2017 and discharged 90 days later which would be XX/XX/2017. This card was issued XX/XX/2017. This was the first card I received AFTER my bankruptcy. So it could have never been included in the Bankruptcy.
|
| 09/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
I had some payments to be returned. Those fees etc were included in the payment when my payment that went through was made. I waited the 14 days as laid out in the agreement. When I called to find out what the situation was, the representative told me that there was a 30 day hold to the account as stated in the agreement. I asked her to show me where it stated that. She advised me that it was not there, but it was something we should just " know. ''
|
| 09/07/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft. I have sent numerous affidavits and police reports to Total Card, Inc., in reference to the following account : *******************. The reference account do not belong to me. I want Total Card, in the spirit of good customer service, to close the above referenced account. Cease and desist all collection efforts immediately and permanently and have the account, deleted from my XXXX credit report immediately.
|
| 11/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Older American |
|
I have written, called the collection agencies requesting verification of this " debt they are reporting on my credit bureaus as belonging to me '' But, they keep giving me the round around and can not provide me with proof of the authenticity of this debt. I have already written, called, to no avail. I'v requested verification of this account confirming that is my debt or they need to remove this collection account from my credit reports.
|
| 10/11/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 A section 2 also states that the consumer reporting agency can not furnish my account without written instruction under 15USC 1666B A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
|
| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.
|
| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXXXXXXTOTAL CARD XXXX As well as the XXXX XXXX card if it changed at all it should reflect open It's the same Bank THIS ACCOUNT IS IN USE HEAVILY AND RECENTLY AND HAS NEVER BEEN CLOSED NOR DID I REQUEST IT TO BE. THERE WAS CLEARLY A MISCOMMUNICATION. I have reported this account and no one seems to understand what I'm saying. You can't update it anymore there are XXXX changes to be made BUT the only request I have.
|
| 11/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection notice in the mail and i was devastated. The collection company says that I owed {$340.00}. Someone stole my identity and stole other information from where ever they got it from. The collection agency is called Total card Inc. The current creditor is called XXXX XXXX XXXX XXXX the original credit account number is # XXXX the file number is # XXXX. I have XXXX and i was taken advantage of.
|
| 07/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received letter saying that I owed for a debt from a credit card that was over 8+ years old. This debt is no longer able to be reported to credit bureaus, it is out of statute and industry standards. It is also out of Colorado legal statute, therefore can not legally be collected. This debt is too old, and a closed matter. Trying to collect on it is an illegal attempt to bully, and negatively affect my credit.
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports The XXXX XXXX XXXX is reporting inaccurate information on XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 05/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I submitted a request for verification to XXXX XXXX XXXX , XXXX 0n XX/XX/2020 in regards to a XXXX XXXX XXXX account. I received a letter saying the debt was returned to the original creditor. Thus, I contacted Total Card, Inc. on XX/XX/2020 and received a letter stating that they sold the account to XXXX XXXX XXXX. There is no way to settle this debt and I would like it removed from my credit reports.
|
| 09/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Total Card XXXX called me three times in one day regarding a payment I had already made. On the last call, the agent acknowledged the payment but refused to acknowledge any wrongdoing with the multiple calls, instead saying it was my fault for not picking up the phone. Typical super rude customer service from a sub-prime financial institution that would have the consumer believe they have no options.
|
| 12/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Requested verification, validation, as they are clearly reporting incorrect info to the major credit bureaus. Sent letters to XXXX XXXX XXXX XXXX XXXX AND XXXX, XXXX, and XXXX to which they all say they 've verified the account. However, if they had properly verified anything they would have noticed all of the inaccurate info as I did. I have copies of current credit reports, and letters from XXXX.
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020.
|
| 02/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX threatened to sue me. Serve me with a lawsuit if I did pay. Previously would not tell me who I owed money to or what transaction were made to cause me to owe money. They have called multiple times daily since XX/XX/XXXX. Including after XXXX. They have call my job after me asking them not 2. They also have not provided me with information on how to dispute this debt. I have voicemails.
|
| 10/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
The Total Card from XXXX XXXX XXXX is a good card, but due to a financial hard ship I have a few late payments on the account. I would like a XXXX removal of late fee in lue of my payment of all credit card debt owe on my account. After payment of balance I will keep my card limit below 30 % of the credit limit. I have attempted to call the company be have had extended hold times or drop calls.
|
| 07/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
To Whom It May Concern, The reason for me filing this complaint is due to XXXX XXXX XXXX failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
|
| 01/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company is reporting a debt that does not belong to me that was open on XX/XX/XXXX on all 3 of my credit reports XXXX, XXXX and XXXX. I called the company 2 times about the account and got no help. I called this company XX/XX/XXXX and again XX/XX/XXXX. I called and requested the original contract bearing my signature verifying that this is my account and as of today I have not received it.
|
| 11/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I never paid my account late yet the credit card company has me down for making my payment late XX/XX/2020. I went online and made my payment and the system gave me a confirmation that the payment was made yet the company is trying to say that the payment didn't post to my account causing a late payment. It is not my fault if their system was having problems that isn't fair to me at all.
|
| 09/27/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XXXX XXXX my bill for {$50.00} did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of my bank but it was rejected. They never notified me of the rejection and gave me this late payment.I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 01/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My my credit his my credit report has been compromised they told me that he sent me a letter and everything is on my account on my credit should be there and they have not fix anything and they have not asked in our family anything else besides its in the pin number which doesnt make any sense because my credit still be around when it supposed to be a black Im in a freeze on my account.
|
| 03/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I recently reviewed s copy of my credit report when the company XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX list two charge accounts as charge off however in a settlement agreement with their 3rd party collection company an agreement was made to settle the account and they agreed to remove both accounts from credit report Account numbers are TOTAL CARD XXXX Account number Access Card XXXX
|
| 07/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Account name XXXX XXXX XXXXXXXXTOTAL CARD Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$620.00} written off.
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$350.00} Highest balance {$620.00} Terms This should no longer be on my credit its past 7 years
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was getting ready to inquire on purchasing a new home and of course I had to check my credit. Upon doing so, I have found several fraudulent accounts and addresses that don't and never have belonged to me. These accounts date back years and are spread out through various account types. I am disputing these fraudulent accounts with the three credit bureaus as of today, XX/XX/XXXX.
|
| 11/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I asked to Cease and Assist the debt with the current XXXX XXXX XXXX and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is XXXX yrs old and I am not working and am XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!
|
| 09/28/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XXXX XXXX sent an email to me today that they have raised my credit limit, but still have not credited the fraudulent charges from XX/XX/2022 forward. I don't want more credit with them. I want the fraudulent charges from XXXX XXXX reversed, the doubled internal charges manipulated credited, and when that is completed, I will end my business with XXXX. Thank you, XXXX XXXX
|
| 05/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They 've called multiple times. I 've advised them that they are calling my work phone and need to call my cell phone. I 've provided my cell phone number, but they continue to contact me at work. I can not have personal calls at work. They 've been calling from private/restricted numbers, but today the information came up on the caller id : Total Card ( XXXX )
|
| 09/03/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
I WENT ON a payment arrangement in XX/XX/2020. They did not disclose they were going to keep reporting me late for six months and charge me late fees for 6 months. Once I found out this is what they were doing I immediately paid XXXX but during that time they kept reporting me late and I was not because I was on the payment plan as indicated by the cares act.
|
| 03/23/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
I was alerted about an account with Total Visa that was opened without my knowing when they contacted me about the debt. I was the informed by the agent that the address on file was a hotel. There were payments made on the account by a person some returning and others posting linked to a XXXX XXXX. I received another call for a {$300.00} balance on XX/XX/23.
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.
|
| 05/02/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX CHARGED OFF DUE TO COVID 19. THEY SOLD MY DEBT TO XXXX PARTY COLLECTIONS WITH NOTICATION TO CONSUMER AS REQUIRED BY LAW. AND ARE STILL REPORTING ON MY XXXX CREDIT REPORTS.THEY SOLD XXXX XXXX TO XXXX XXXX XXXX XXXX AND XXXXT XXXXXXXX XXXX XXXX XXXX THESE APPREAR TO BE INSURANCE PROTECTION COVERAGES GUARANTEED MY ACCOUNT.
|
| 11/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
Servicemember |
|
I do owe a past balance on my account but it is only 1 month late. I don't mind the phone calls to my cell phone, but on XX/XX/2019, Total Card Visa called my employer and harassed them about where I was and when I was going to be paid. That, in my opinion, is unethical. Never have I gave Total Card permission to contact my employer, let alone harass them.
|
| 07/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I called to make a payment for my Total Visa Card. The automated system stated that i was over the limit so I speak with a representative and she states that I was charged an annual credit fee of {$48.00}. Every time I question charges for the past months this year everyone says it's the annual fee. No way should an annual fee be charge every month.
|
| 09/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I closed this credit card account months ago. I received a bill and noticed that I was still being charged interest and fees. This is defrauding consumers. There is no way that I should still be charged interest and fees when I received a final bill months ago. This company needs to be researched and fined. Im sure this isnt the only complaint
|
| 05/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A job offer ran my credit report and this was on my credit. I sent in all paperwork requested except police report as they would not release any information to me. I did not open a card I think it is. I asked them to send me information on this account also and they will not provide it. XXXX XXXX XXXX ACCOUNT XXXX {$230.00}. Several emails
|
| 06/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I had called and I want your help to remove this off my credit. It should be off my credit history it been more than a year. I paid and wait 90 days .May you please contact transition or the collected. I didn't knew it would be this difficult to have it remove. I understand the bank see it paid and closed. A great person refer me to You.
|
| 07/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My XXXX credit card has not been updated on my XXXX report since XX/XX/XXXX. XXXX and XXXX always update accordingly. Thats how I know the creditor provided XXXX with an update. This is and ongoing issue and my credit file needs to be updated per statement. Ive tried to dispute online but of course XXXX website is not allowing me too.
|
| 10/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was stolen and used to open up credit cards including this one I contacted XXXX Bank and XXXX to no avail then they sold the debt to XXXX this is not my dad I have disputed it with all three credit bureaus and XXXX without investigation or providing any proof says the debt is mine and the credit bureaus believe them
|
| 08/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This credit card has not issued me a replacement credit card yet continues to call me asking me to pay a bill on which there are several charges I did not make. Thus a new card being shipped out XXXX months ago! This makes no sense, and they never even asked me if I got the card. Never concerned abou providing me a fresh start
|
| 02/28/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have a credit card with a total visa. I have been late with my payments. But I am currently paying down my balance. I am a total of {$200.00} over my credit limit. But with the late feels because I can't pay the full balance to get my account current and below the credit line. I am having a hard time paying down my balance.
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
|
| 07/19/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
The collection company said if I did not pay the collection that they would file a warrant against me and I would be arrested for not paying the collection that I knew nothing about and then kept making harassing phone calls to me.this collection must be removed from my credit report this is wrong and against the law.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account is reporting a {$540.00} balance to XXXX. XXXX and XXXX show a {$0.00} balance. So I dont know why they are refusing to correct XXXX. This account was charged and sold to a collection agency. The original creditor is not able to continue reporting a balance owed if the debt had been sold to collections.
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I tried to reach out to the companies and they continue to give me the run around and send me to different people that can never give me a definite answer or help me. Then the addresses and phone numbers that are on my credit report are not mine nor the excessive amount of phone numbers that show up on my report.
|
| 12/15/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This company is participating in predatory lending. They have collected fees almost double my credit limit. I asked for a due date change twice they never did it and continued to charge me {$40.00} for being 3 days late every month since I opened the card. I had 2 cards with them first digital and first access.
|
| 03/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
All of a sudden I started getting harassment phone call also calls was made to my daughter as well threatening to sue me take me jail and contact my employer. I tried r play I have never hard of a company call total credit o told them it wasnt mine.. the company become belligerent and started swearing at me
|
| 06/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Total Visa has two predatory lending practices.
1. Reports inaccurate balances 2. Reports under two different names for the same credit account.
I would like to request an investigation into their practices and a letter denouncing their deceptive practices so that I can have my credit report updated.
|
| 08/28/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XX/XX/XXXX I submitted a payment to TOTAL Visa in the amount of {$210.00}. They continue to claim the bank account number used for this payment was not able to be found. I have previously submitted the bank statement for the month of XXXX and will submit it once again to show it was active and valid.
|
| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
They are reporting a balance of {$110.00} on my credit report. This information is inaccurate because, I made a payment for {$110.00} on XX/XX/20 that posted to my account on XX/XX/20. However, they did not update my credit report with this information. This will bring my account to a {$0.00} balance.
|
| 07/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX representing XXXX, XXXX is trying to collect on debt not owed. Debt collectors keep sending repeated offers to settle this debt to incorrect addresses and with repeated calls followed by questions about filing taxes and paying off Federal Loans. I am at risk for identity theft.
|
| 11/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I am trying to close my account on a Total Visa credit card.
I can't use it, balance is XXXX, alway get declined.
I emailed them numerous times, leaving message in their XXXX page and customer service number is out of service or always busy line. They charge me {$6.00} every month as fixed fee.
|
| 06/01/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Collection agency has repeatedly contacted me and third parties regarding an alleged debt after being asked to cease and desist contact.
Agency also failed to verify the debt and prove the debt is not time-barred, including refusal to provide Date of Last Payment and/or Date of Delinquency.
|
| 08/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These charges keep reappearing on my credit card and the company keeps adding days for me to wait for them to clear Everytime they clear they add the same charges again
|
| 10/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The XXXX XXXX XXXX AKA Total Visa Card had a card opened fraudulently in my name. It appears on my credit report. When I contacted them about removing it, they added an additional file with a collections account with XXXX XXXX XXXX. I now have two fraudulent lines on my credit report.
|
| 04/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I CAN NOT BE BOTHERED WITH THESE PEOPLE. THEY DO NOT HAVE THE RIGHT INFORMATION AND FOR SOME REASON THEY DO NOT UNDERSTAND AND HAVE STARTED TO REPORT ON MY CREDIT I SENT A CEASE AND DESIST ORDER TO HELP BUT IT SEEMS TO HAVE FAILED IM STILLING RECEIVING CALLS AND ITS STILL ON MY REPORT
|
| 07/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Contacted total Card after cfpb complaint Explain to them they didnt provide a wet signature, signed promissory or and legal signed documentation with validation for aaid debt.
Instructed said collector to stop collection immediately until they can provide signed documentation.
|
| 10/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX and other agencies and will file for damages up to {$1000.00}
|
| 12/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020, I called Total Card to advised the company that the account ( the account # - XXXX ) was sold or transfer to another company furthermore this writer asked total card to update the account status for this account from {$430.00} written off to transfer or sold.
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX # XXXX I have not been late on the account and request Method of verification for late payments. Per the XXXX XXXX and payments made on the account should not have been registered as Late.
Please correct payment history.
|
| 10/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX XXXX XXXX, XX/XX/2018 and XX/XX/2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
|
| 06/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Contacted this bank and they are unable to provide me any information concerning a fraudulent account. Sent mail and filed FTC complaint. This company refuse to validate debt. This company cant provide signatures on any documents because the account is fraudulent.
|
| 05/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
TOTAL VISA IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XXXX WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?
|
| 03/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize.
Name on Credit Report : XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, SD XXXX Inquiry Date : XX/XX/2018
|
| 07/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company continues to call me at my place of employment. I have requested verbally and in writing for them to stop calling me at my employer and they continue to call and I have the voice mails to prove it that indicated date and time of calls.
|
| 02/17/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
TCI-TOTAL CARD, INC. TCI SOLUTIONS AND THE XXXX XXXX XXXX HAVE SEVERAL CREDIT CARD BRANDS, NOTRIOUS FOR DECEPTIVE ADVERSTISEMENT AND MARKETING DESIGNED TO MAKE YOU FAIL BY VIOLATING F.C.R.A.-FAIR BILLING ACT ALONG WITH THE DODD-FRANK ACT.
|
| 10/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I sent Total Card, XXXX certified letter on XX/XX/2016 and requested proof and verification that the debt is mine ( signature, etc. ) as of XX/XX/2016 I have not heard from the company and it is still being reported on my credit report.
|
| 06/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
I have I put forth good faith effort to contact this TCI, Inc and XXXX XXXX XXXX who TCI, Inc says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from TCI Inc.
|
| 09/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent Total card three certified letters disputing the two accounts that they are reporting to the credit agencies that I know are falsely being reported. They have failed to respond all three times. I have ran out of options
|
| 01/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Called me on my cell phone I told them I was working couldnt talk proceeded to call my phone 5 times in a row then called my employment I told them to call back later I hung up and they started calling my job 18 times in a row
|
| 01/26/2017 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid debt in full, and debt collection company is refusing to return phone calls or write a letter to my school ( University XXXX ) so that I can have my transcripts released to a school that I am transferring to next month.
|
| 07/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX 2017. I contacted the debtors whom advised me to make a complaint with CFPB.
|
| 10/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I complain about interests fees 2 months ago every since then every month now and I'm being charged for XXXX a month for monthly fees, and also I'm being charged XXXX for yearly fees, and this is only a XXXX credit card.
|
| 02/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i have tried to contact this company because they are on my credit report and trying to collect money from a credit card company that has reported mycard as active and open while also reporting the same card as closed
|
| 06/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.
|
| 10/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This is the 3rd month straight that I keep being charge for late fees which I shouldn't, I keep asking them over and over to keep stop charging me for late faeth when I'm making my payments on time in they refused to
|
| 02/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
Total Card issued by XXXX Bank I closed the account XXXX week ago XXXX balance confirmed with XXXX XXXX Account remained open and subsequently charged a monthly service fee Still have not closed the account
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
on my XXXX credit report XXXX XXXX XXXX XXXX total XXXX card shows charged off account when i called them they have no records of me having this account they will not remove it from my credit report.
|
| 01/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I got a credit card from XXXX and I dont want it. I have tried to cancel. You are on hold and no one ever picks up. I did not use the card and I dont want to be charged for the processing fee. Help
|
| 04/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I have a {$300.00} credit card from total Visa, This is my 3rd complaint about late charges, On XX/XX/2021, I was charged a late fee of, XXXX dollars. I only had a balance of XXXX. Now it's XXXX.
|
| 06/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The account has already been paid in full and still has been submitted to the credit bureaus after being paid in full.
Contacted the company and have left messages. No response.
|
| 06/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid 4 accounts that were charged off from XXXX XXXX through their collection agency however the collection agency has not sent proof of Accts 4 accts being paid off completely.
|
| 04/15/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
Servicemember |
|
When I went to make my monthly payment it shows no available credit and the full balance due. I have not been contacted at all and have tried contacting via email and no response.
|
| 05/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt has already been on my credit report for 7 years and removed by the creditor. This company claims to be a new owner of this debt and is offering me a deal to resolve it
|
| 11/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have contacted this agency 3 times to remove this late payment from my account as they stated I paid late in XX/XX/2017, but that is not true, They refuse to respond to me
|
| 04/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
|
| 02/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2018 - Total Card, Inc sends me random letter about a debt that isn't valid and is like 4-5 years old. This was the first and only contact and isn't valid.
|
| 11/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I want to see proof that this my debt a signature or a ID or something I just keep getting statements saying that the company verified it but there is no proof
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 10/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I am getting harassed by total visa credit company about a XXXX XXXX debt that I want to be validated for multiple purposes, due to billing errors and etc
|
| 07/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX is still being reported on all 3 credit files already and per they request would remove off my credit file still is showing I want removed
|
| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Covid 19 Pandemic really affected my ability to pay my creditors so I am asking for the charge off to be removed from all 3 credit agencies.
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
The XXXX XXXX XXXX and total card manager XXXX XXXX. He refused to file fraud on identify theft. Claims they dont have a fraud department.
|
| 07/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
File Chapter XXXX, Total Visa was included in BK discharged still reporting 2 acts on CB. Submitted several disputes to all CB. No resolve.
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 09/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
These are not my accounts.
XXXX/TOTAL CRD # XXXX XXXX/TOTAL CRD # XXXX Please provide method of verification and validation of debt.
|
| 05/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I sent 609 letters asking them to provide proof that the debt is mine and they couldnt I need real proof like signatures and ID cards
|
| 04/16/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
I have requested that Total Card Inc. send a contract bearing my signature or remove the fraudulent account from my credit file.
|
| 10/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
Card was open without my permission. Wrote letter to credit bureau and credit company. Within 31 days have not heard back.
|
| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Company reported late payment after chapter XXXX bankruptcy was filed, I was never late paying on the account.
|
| 02/09/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am writing to dispute XXXX/TOTAL CARD ACCT # XXXX. The highest balance on the account is incorrect.
|
| 03/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
i disputed this inquires on XX/XX/XXXX, it has been more than 45 days and still no result.
|
| 02/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call up to XXXX per day every day after I told them I have no income since XX/XX/XXXX
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
that accout with total visa and XXXX XXXX are report that account as wrong i was in jail
|
| 07/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
TOTAL IS FAILING TO UPDATE CREDIT REPORTS SHOULD BE PAID CHARGE OFF XXXX XXXX TO DELETE
|
| 07/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
ALL CREDIT CARD COMPANIES WERE PAID IN FULL EXCEPT FOR XXXX AND XXXX XXXX.
|
| 09/30/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
I'm constantly having problems being charge late fees for no simple reason
|
| 04/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Total credit card not reporting payments to credit bureaus.
|
| 10/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Threatened to be served at work unless I made a payment.
|
| 10/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I don't remember applying or using these guys at all.
|
| 04/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/17.. I did not authorize this inquiry
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/21/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Privacy issues
|
|
Web |
|
|
|
| 11/03/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 07/13/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Referral |
|
|
|
| 05/22/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Phone |
|
|
|
| 02/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/01/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Phone |
|
|
|
| 11/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 11/15/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
|
| 10/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/12/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Problem getting a working replacement card
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 07/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 07/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 03/09/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Phone |
Older American |
|
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
Older American |
|
|
| 02/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
|
| 09/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 08/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/10/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/31/2020 |
Yes |
- Debt collection
- Private student loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 07/28/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 07/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/01/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/23/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Phone |
Older American |
|
|
| 06/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 06/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/21/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
|
|
|
| 05/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 04/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Servicemember |
|
|
| 04/08/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 04/02/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Phone |
|
|
|
| 04/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Phone |
|
|
|
| 12/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
|
| 11/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 11/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 11/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 10/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 10/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
|
| 09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/10/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Servicemember |
|
|
| 06/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 06/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/24/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/16/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
|
|
|
| 05/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 04/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American, Servicemember |
|
|
| 04/17/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American, Servicemember |
|
|
| 04/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 03/27/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/08/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 01/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 11/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/02/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 10/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 10/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Phone |
Older American, Servicemember |
|
|
| 08/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 06/23/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 05/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 05/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 04/03/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Postal mail |
|
|
|
| 03/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 03/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Referral |
|
|
|
| 03/01/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Referral |
|
|
|
| 02/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 01/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 12/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
|
| 11/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 11/19/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 11/15/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 11/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
|
| 10/30/2017 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 09/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 08/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 06/13/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 06/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/15/2017 |
Yes |
|
|
|
Web |
|
|
|
| 02/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 02/07/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 01/26/2017 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 12/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/01/2016 |
Yes |
|
|
|
Web |
|
|
|
| 11/15/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
|
| 10/17/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 09/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 08/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/26/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/01/2016 |
No |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/31/2016 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
|
|
| 03/24/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 12/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Postal mail |
|
|
|
| 10/26/2015 |
Yes |
|
|
|
Phone |
|
|
|
| 09/25/2015 |
Yes |
|
|
|
Web |
|
|
|
| 08/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Postal mail |
|
|
|
| 06/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 06/02/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Postal mail |
|
|
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 05/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/05/2015 |
Yes |
|
|
|
Web |
|
|
|
| 04/16/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 03/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 03/16/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/16/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/09/2015 |
Yes |
|
|
|
Web |
|
|
|
| 12/31/2014 |
Yes |
|
|
|
Web |
|
|
|
| 12/27/2014 |
Yes |
|
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/28/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
|
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 07/15/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 05/22/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Servicemember |
|
|
| 05/09/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 04/25/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/17/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
|
| 04/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 03/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 03/12/2014 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/20/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 12/24/2013 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Postal mail |
|
|
|
| 11/25/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
|
|
|
| 11/19/2013 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 10/03/2013 |
Yes |
|
|
|
Web |
|
|
|