TD Bank US Holding Company Complaint: Credit determination

#1649496 10 Nov 2015

Credit card

Complaint #1649496 submitted on 11/10/2015 relating to TD Bank US Holding Company. Complaint relates to Credit card - Credit determination .

Complaint was submitted via Web and sent to the company on Tuesday 10th November 2015.

Narrative (may be redacted).

To Whom It may concern : I am filling a complaint against Target Credit Card online application process. They said I incorrectly answered questions during the online process to prove my identity, so they were unable to give me credit. If the Target was unable to determine my identity during the application process, than Target should have never run my credit in the first place. The online software system should automatically reject my application, and Target should not automatically run my credit. These personal questions from the past are the same questions the XXXX credit bureau will ask when you apply for the free annual credit report. On all three bureau website, if you are unable to answer questions to identify yourself, the system automatically ask the person to contact customer service and the applicant is unable to continue the process. This flaw in the Target online application process will hurt many consumer credit rating just by automatically pulling credit regardless if they were identified or unable to indentify the person applying for credit. Identity fraud is on the rise, so it is very important a company does not automatically pull a credit inquiry on the individual it was unable to identify. This was very upsetting that they pulled my credit when they said they were unable to identify me during the online process.

Company TD Bank US Holding Company
Complaint ID 1649496
Date Received 11/10/2015
Product Credit card
Issue Credit determination
State/ZIP Code CA 926XX
Consumer Consent Consent provided
Company Public Response
Company Response To Customer Closed with explanation
Submitted Web 11/10/2015
Result Timely Response: Yes, Consumer Disputed: No
 

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