topic Re: Disputed charge note on credit reports? in Credit Cards

Disputed charge note on credit reports?

masscredit — Sat, 12 Aug 2023 15:45:52 GMT

I have a charge that I'm disputing with TD Bank. I recently received an alert from CreditKarma. Saw this note on the account -

Account information disputed by consumer, meets FCRA requirements

I can't remember the last time I disputed something. Do they usually note the account like this?

Re: Disputed charge note on credit reports?

FireMedic1 — Sun, 13 Aug 2023 09:36:51 GMT

@masscredit wrote:
I have a charge that I'm disputing with TD Bank. I recently received an alert from CreditKarma. Saw this note on the account -

Account information disputed by consumer, meets FCRA requirements

I can't remember the last time I disputed something. Do they usually note the account like this?

So your saying you were disputing a charge with TD bank and they placed it on your reports as an dispute? Some do this. Even though it was only between you and the bank.

Re: Disputed charge note on credit reports?

SUPERSQUID — Sun, 13 Aug 2023 11:36:06 GMT

@masscredit wrote:
I have a charge that I'm disputing with TD Bank. I recently received an alert from CreditKarma. Saw this note on the account -

Account information disputed by consumer, meets FCRA requirements

I can't remember the last time I disputed something. Do they usually note the account like this?

About 2 years ago my mother got into a little trouble because she refused to pay her ann taylor synchrony card because the clothing items she ordered didnt fit. I tried to explain to her that ann taylor was just the merchant and synchrony was just the finance company and they were seperate entities, I urged her to pay synchrony and dispute with ann taylor. My advise fell on deaf ears and every month her sychrony bill got higher and higher and she called me a number of times saying synchrony wont listen.

Eventually she closed the cc and she must have paid synchrony.

Re: Disputed charge note on credit reports?

Lou-natic — Sun, 13 Aug 2023 12:51:15 GMT

@FireMedic1 wrote:
@masscredit wrote:
I have a charge that I'm disputing with TD Bank. I recently received an alert from CreditKarma. Saw this note on the account -

Account information disputed by consumer, meets FCRA requirements

I can't remember the last time I disputed something. Do they usually note the account like this?
So your saying you were disputing a charge with TD bank and they placed it on your reports as an dispute? Some do this. Even though it was only between you and the bank.

I don't see anywhere where he said he disputed an account with TD Bank. How did you come to that conclusion?

As to the OP, I had Capital One do this a while back. No idea why as I have never disputed any account with any lender ever in my entire life.

Cap1 took it upon themselves to add a note to one of my accounts that said that the account was "previously in dispute blah blah blah". Very irritating to say the least. Now when I prequal it says they can't qualify me based on previous derogatory account with them. Once again, nothing ever happened. No returned payments, lates, nothing, nada. I closed both accounts in good standing. Which is a shame because I honestly had no beef with them at all. In fact I recommended their Plat card to several people to help them rebuild/establish credit. I will not be doing that in the future now but oh well.

As to how/why this happens honestly I think it's a data entry error on their end and I think that's what you have suffered here. Somebody with an account just 1 or 2 numbers different than yours and some CSR somewhere didn't double check something and now you are stuck with it. Honestly the "dispute" note doesn't have any affect on anything anyway even if it can be annoying knowing it's not supposed to be there.

Re: Disputed charge note on credit reports?

masscredit — Sun, 13 Aug 2023 20:02:12 GMT

I'm disputing airline tickets that I charged to my TD Bank Visa. I made the purchase but we can no longer go on the trip (it was a cruise). The airline based overseas. Customer service absolutely sucks. I can never get a person on the phone or through online chat. The prompts keep sending me in circles. My last resort was to call TD to see if they have any suggestions. The rep said "we can dispute it" so that's what I did. I was told it might take a couple of months for me to know the outcome. I don't know if they'll get a response. When I later researched the airline, the negative reviews for the issue I'm having are extensive.

I don't like to carry a balance so I paid off that account. Then they credited me the amount during the dispute. I was surprised to see that note on my account.

Re: Disputed charge note on credit reports?

FireMedic1 — Mon, 14 Aug 2023 21:01:49 GMT

@Lou-natic wrote:
@FireMedic1 wrote:
@masscredit wrote:
I have a charge that I'm disputing with TD Bank. I recently received an alert from CreditKarma. Saw this note on the account -

Account information disputed by consumer, meets FCRA requirements

I can't remember the last time I disputed something. Do they usually note the account like this?
So your saying you were disputing a charge with TD bank and they placed it on your reports as an dispute? Some do this. Even though it was only between you and the bank.
I don't see anywhere where he said he disputed an account with TD Bank. How did you come to that conclusion?

As to the OP, I had Capital One do this a while back. No idea why as I have never disputed any account with any lender ever in my entire life.
Cap1 took it upon themselves to add a note to one of my accounts that said that the account was "previously in dispute blah blah blah". Very irritating to say the least. Now when I prequal it says they can't qualify me based on previous derogatory account with them. Once again, nothing ever happened. No returned payments, lates, nothing, nada. I closed both accounts in good standing. Which is a shame because I honestly had no beef with them at all. In fact I recommended their Plat card to several people to help them rebuild/establish credit. I will not be doing that in the future now but oh well.

As to how/why this happens honestly I think it's a data entry error on their end and I think that's what you have suffered here. Somebody with an account just 1 or 2 numbers different than yours and some CSR somewhere didn't double check something and now you are stuck with it. Honestly the "dispute" note doesn't have any affect on anything anyway even if it can be annoying knowing it's not supposed to be there.

@Lou-naticAbove

Re: Disputed charge note on credit reports?

Anonymous — Tue, 15 Aug 2023 00:28:46 GMT

@SUPERSQUID wrote:
@masscredit wrote:
I have a charge that I'm disputing with TD Bank. I recently received an alert from CreditKarma. Saw this note on the account -

Account information disputed by consumer, meets FCRA requirements

I can't remember the last time I disputed something. Do they usually note the account like this?
About 2 years ago my mother got into a little trouble because she refused to pay her ann taylor synchrony card because the clothing items she ordered didnt fit. I tried to explain to her that ann taylor was just the merchant and synchrony was just the finance company and they were seperate entities, I urged her to pay synchrony and dispute with ann taylor. My advise fell on deaf ears and every month her sychrony bill got higher and higher and she called me a number of times saying synchrony wont listen.
Eventually she closed the cc and she must have paid synchrony.

If the complaint was valid, e.g. clothes were not the size described, I think disputing the charge with Synchrony was/is the correct move! That's standard credit card procedure, they then open the dispute with the merchant. If you pay off the card the merchant has no incentive to listen to you.

Now if it was a complaint unlikely to succeed, then yes, pay off the card before charges add up It sounds like she simply didn't pay rather than actually open a dispute?

Re: Disputed charge note on credit reports?

Lou-natic — Tue, 15 Aug 2023 11:58:01 GMT

Nevermind.