Date Received: 2023-03-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have called a multitude of Target customer service numbers and spoke to several employees/supervisors/managers on these dates : XX/XX/XXXX XX/XX/XXXX - 2 calls XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - 4 calls XXXX - 8 calls I have been having an ongoing issue with not being able to redeem the rewards associated with my Target XXXX Mastercard. I have been given conflicting information every time with promises of escalation and resolution. Every time I call back they are unaware of the issue, say it hasn't been escalated and they will do it, and they tell me to call back. At first the issue was only with my account, the next time was told it was a global issue, and now the guy couldn't answer whether it was global or just me because he was too busy repeating the people laughing in the background telling him what to say. His responses did not even make sense to what I was asking. The girl before him decided after 50 mins she was going to pretend she could no longer hear me and stop assisting me. have called several target corporate numbers and they all keep bouncing me around. I have emailed the CEO. I can not get an answer from anyone and am frustrated with the conflicting info get each time I call. As a customer who holds a credit card, I have entered a financial agreement to use their cards/pay their interest/ follow their terms. They offer rewards for doing so. Because that agreement isn't being matched I at least deserve a response. But instead have received no answers, just ridicule. feel like that is complete fraud and leaves a horrible taste in my mouth that the 8th largest retail corporation can act in this manner.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act my rights have been violated : 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 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 the 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 with a copy of verifiable proof, you must remove the accounts listed below.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am here by putting you in notice of the obvious violations Target has done to my person : I am giving you chance to cure before I sue you and report you to the IRS with form 3949 A for unreported income. 18 U.S.C 1028 No consent to share my information at all 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX has sent me a letter on your behalf regarding the continuous reporting on a charged off. Meaning that it was written off. Why are you reporting a balance? A charge off account meaning that I should received 1099 C and you never provided that to me. I am giving you 5 business days to take care of my requests or I will sue you in federal court for for the above referenced violations along with : 15 USC 1681 ( a ) 2 12 cfr 226.11 15 USC 1681 ( B ) permissible purposes Total of 8,000 in violations. I willing to see past the violations and demanding that you report as paid off and XXXX balance along with the late payments or have that account removed immediately. Those are your only options before you force your sue.
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my TD bank beyond checking account on XX/XX/XXXX as a new customer as there was a cash promotion for new customers. The term was to earn {$300.00} if I have {$2500.00} in qualifying direct deposits within 60 days of account open. Minimum {$5000.00} had to be maintained in order to have the maintanace fee waived. So I deposited {$2500.00} twice and kept it for 6 months. However, my cash bonus never came through and when I called the TD bank representatives twice in XX/XX/XXXX, they were all saying that I didnt sign up using the correct online promotion link, but through the direct mail site. I never used a promo code from a direct mail and couldnt believe that they didnt make up to what they have promised although I followed all the prerequisites. I was also told that I am forever ineligible to receive any promotions from TD bank as I will never be a new customer now. I tried calling the XXXX ( promotional dept provided by the bank teller ), but, of course, they never called me back despite I left multiple voicemails. Is this some sort of scam to use my money and information for some other purpose? Obviously, TD bank is not responding to me and avoiding me. I am deeply disappointed and concerned that major bank like TD bank can be so unethical to their new customer. I wanted to make sure and report their misbehavior so that no other customers get affected by their false promotions.
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Nordstrom.com put a negative mark on my credit for payment return from my bank. This was in 2021 during covid and I did explain to Nordstrom at the time that my bank card had fraud done so my bank put a stop on payments and Nordstrom happen to be one of them. This happen twice. Each time I let Nordstrom k ow what was going on and when bank was cleared I did make the payments. Nordstrom still put this on my credit and refuses to take it off. I want this off my credit.
Company Response:
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: THE BANK FAILED TO EXERCISE ORDINARY CARE IN THE CHECK SETTLEMENT PROCESS AND THE BANK IS LIABLE FOR MISREPRESENTATIONS MADE BY THE BRANCH MANAGER AND PROFESSIONAL NEGLIGENCE RESULTING FROM HIS FAILURE TO COMPLY WITH BANK POLICY AND PROCEDURE REGARDING NEGOTIABLE INSTRUMENTS The account deposit transaction reversal deduction of some charges, which I strongly believe to be erroneously done. Furthermore, I am alleging negligence arising from the bank 's failure to act or otherwise prevent the negligence in their work, and, in turn, caused financial harm to their customers assets. Specifically, I contend that that professional advice or services provided by XXXX XXXX caused a me financial harm in the amount of {$2000.00} due to actual mistakes or a failure to perform a service, resulting in this overdraft and collections attempts. Notice of Dispute and Breach of Contract Counterclaim against TD Bank and Branch XXXX Attention Deposit Operations Disputes Department, I, XXXX XXXX, dispute the accuracy and legitimacy of the debt, as well as the internal bank procedures that led to this unfavorable decision, loss of assets, and harm to my account and banking relationships. Your attempt to collect on this alleged debt constitutes a breach of contract, breach of fiduciary duty, and bank negligence, as the transaction in dispute occurred BEFORE I opened an account with TD Bank and entered into a contract with the bank. I repeatedly attempted to resolve this bank error with TD Bank 's Customer service representatives in person and over the phone. This error has harmed my assets financially and caused me unnecessary emotional distress as a result of my unsuccessful efforts to resolve the error and seek reimbursement. In addition, any errors or concerns should be directed to XXXX XXXX, the branch manager, or the individual who set up my account. Dear Deposit Operations Department Representative, I had a check drawn on TD Bank from the XXXX XXXX XXXX. The first time I attempted mobile deposit into my XXXX account, I was informed that the check would be held for 20 days because XXXX was unsure if they would be paid. Since this was a municipal check and I regularly cashed monthly utility stipend checks, I was concerned that XXXX XXXX did not believe they would receive the funds. This was a result of my ongoing discrimination cases and recent termination. Yes, because that's an apology. As soon as I was informed there was no way to appeal or get the check released earlier, I notified XXXX that I would be canceling the deposit and returning to the original branch. I am not responsible for any fees, and I am contesting the deposit account adjustment based on the following two facts : First, at the time I presented the check, both TD Bank and the branch manager, XXXX XXXX, were aware that I had previously attempted to mobile deposit this check with another bank. When he authorized the check to be cashed and provided me with cash payment, I relied on his statements and apparent authority as the branch manager. After that, he strongly suggested that I open a bank account with TD Bank to avoid future problems. And he highlighted the advantages of your bank, including on-site customer service, debit card printing, etc. And based on these representations, I opened a checking account and a savings account, and now I've suffered financial harm because of a branch manager 's error in professional judgment while I was not a client. I also deposited cash funds that should have been protected by the FDIC, which you attempted to reverse based on a check cash when I had no banking relationship. So based upon those representations, I then set up an account with you. Using cash two to start the cash deposit to start the account. For which you tried to charge back {$2000.00} on an account that I have never had a check on. And for a check that was cashed when I was not a member of your bank. And that you never sent me notice and then when I called about this specifically, they told me to go in the branch and try to work this out. In the many times I have reported it, but nobody has investigated my claims of professional negligence against your branch manager. The claims of Errors and omissions cost me financial harm. Banking malpractice. I relied on what the manager told me and then you tried to come back and collect for an error the bank made and with no regard to the professional negligence of the branch staff and Branch Manager XXXX XXXX, while passing the economic harm to me. I was never provided with written notification or evidence of the documents used to make this account change. Under the Check 21 rule, I never had the opportunity to request an expedited account recrediting refund. I was, in fact. And after reporting my concerns to customer service and the XXXX XXXX branch, I was never informed of my right to dispute as a consumer or my ability to file a claim under the bank manager 's professional negligence, errors and omissions insurance, as well as the FDIC. I am concerned about the way my account has been handled and that I never received the required notice of transaction reversal as required. Today I am received the 1st letter about my account being overdrawn and that you are trying to collect on a debt. I have not received notice about when I went into the savings account to see what it was, they said it was about a check that I asked. I went into the branch to ask for copies of the check, deposit slips, and copies of documents relied upon for the deposit account adjustment, which I have yet to receive. I further reported that their actions and repeated attempts to collect the alleged debt of {$2000.00} is erroneous and capricious. I made repeated complaints about the Branch Manager ( XXXX XXXX XXXX and his professional negligence and discretionary decisions which has caused financial harm to my assets ( loss of {$850.00} ), outstanding debt {$1200.00}, and loss of access/use. Due to my XXXX XXXX disability, I have repeatedly requested a reasonable accommodation for assistance to escalate this complaint and to ensure so that a despite has been filed in accordance with bank policy. Additionally, I want to file a prompt claim for banking malpractice, protect my rights, and remain informed about my consumer rights, and seek damages for breaches of the deposit holder agreement to which I agreed, and regulatory standards. TD Bank Contacts and Attempts Chargeback If a collecting bank makes provisional settlement with its customer for a check and fails for any reason to receive settlement ( e.g., by reason of dishonor ), it may revoke its settlement and charge back the amount to its customer if by its midnight deadline ( or within a longer reasonable time after it learns of the facts ) it returns the item or sends notification of the facts. If the return or notice is delayed beyond that point in time, the bank may be liable for any loss resulting from the delay.XXXX The right of chargeback is not affected by the customers use of any credit given for the item or the failure of the bank to exercise ordinary care with respect to the item.XXXX UCC 4214 ( d ) ( 1 ) and ( 2 ). Although retaining its right to charge back, a bank may nonetheless be held liable for harm from its own negligence in handling the item. UCC 4214 ( d ) ( 2 ). Bank owed no duty to its customer, who was bilked in a XXXX ( counterfeit ) official check scam, to examine the checks before taking them for deposit. Whether bank exercised ordinary care in the check settlement process was irrelevant to its chargeback rights under UCC 4214 ( d ). The bank could be liable for negligent misrepresentation under common law theories, however, depending on how it described or discussed the check with its depositor. XXXX XXXX of Ronan v. Hughes, 147 P.3d 185 ( Mont. 2006 ) ( counterfeit official checks described as good and the same as cash ). See also Call v. Ellenville Natl Bank, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Drew v. Commerce Bank, XXXX, XXXX XXXX XXXX ( XXXX ) ( banks statement that funds were available did not misrepresent that counterfeit check had cleared ). First Georgia Bank v. Webster, XXXX XXXX XXXX. XXXX ( XXXX ) ( check incorrectly described by bank as good ) ; First National Bank of Denver v. Ulibarri, XXXX XXXX XXXX. XXXX ( XXXX ) ( bank assured customer that check had finally settled ). Holcomb v. Wells Fargo Bank, XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( branch manager allegedly told customer check had cleared ; negligent misrepresentation ). Chase v. Morgan Guaranty Trust Co.XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( bank assurance did not cause the loss ). XXXXational Bank of Georgia v. Weiner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( bank could exercise chargeback against attorney escrow account even though original overdraft involved the funds of a different party ). Cases dealing with claims that the XXXX XXXX made negligent representations about whether it would pay checks : Sabin Meyer Regional Sales Corp. v. Citizens Bank, XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX ) ( bank allegedly said the account contained, and would contain, sufficient funds to cover checks given to payee ) ; WB Farms v. Freemont National Bank & Trust, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( bank agreed to pay check whenever funds come into the account ) ; Mitchell Buick & Oldsmobile Sales , Inc. v. McHenry Savings Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) ( bank agreed to pay check if its customer deposited {$10000.00} or more ).
Company Response:
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I called TD Bank via their online bank account verification phone line on Friday, XX/XX/XXXX at approximately XXXX to report a suspicious withdrawal/transaction in the amount of {$310.00} labeled service charge. I was on the line for approximately 30 minutes with both a Customer Service Representative & Manager, who stated that the amount that was UNEXPECTEDLY withdrawn from MY bank account, was regarding a Safety Deposit Box. At no time was I advised that the deposit box, was an old debt that my Ex-Husband and I opened sometime in XXXX. The manager advised that I contact the TD Bank local Branch, located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, where the safety box had been opened. Upon calling, I spoke with the Branch Manager, XXXX XXXX, who was ridiculously rude, condescending and when I explained that I am disabled, unable to come into the branch to further discuss this issue and how this debit affected my SSDI FIXED INCOME, XXXX XXXX, could not have been more demeaning when he rudely went on to tell me that because I still had an active bank account ( SINCE XXXX ) the debt was taken out from my account!!! After ending that pointless conversation, I called customer service support to report XXXX XXXX and demanded how something like this could happen with NO NOTICE! Interestingly, TD Bank, sent the notification to my old address ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ). I havent lived at this address since XXXX!!! I just CAN NOT believe that a branch manager wouldnt have verified my current address, etc., before carelessly deducting a debt from my account, simply because I still have an open account! Im demanding that the monies in the amount of {$310.00} be replaced IMMEDIATELY and addressed accordingly. My divorce decree states that any accounts/debts be paid by my Ex-Husband. I will entirely close my TD Bank account and my current safety deposit box as soon as possible and will deposit my money with a reputable/responsible institution. I also expect that formal employee action be taken with all parties involved!
Company Response:
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2022, I placed a take out order at a local restaurant. When we arrived to pick up the food, the restaurant was permanently closed. We immediately contacted the credit card that we had used for this purchase - TD Bank- to get a refund. We were told that we had to contact the company that we had paid. Since the restaurant itself XXXX XXXX XXXX XXXX XXXX ) was closed, we contacted the company XXXX XXXX XXXX that had facilitated the credit card charge and asked for a refund.That company said that the closed restaurant had another branch and they ( XXXX ) would try to get the money back from that other restaurant. We made repeated calls/sent emails to XXXX and they eventually got back to us and told us they couldn't get our money back. At that point, we called TD bank again ( probably XXXX? ). TD said that they would look into it. Since then, I have called TD half a dozen times. Until yesterday, no one has ever gotten back to me nor have I received any communications about this issue. Yesterday, I received a letter from someone in the " Customer Cares/US Fraud Management Office '' with a number for me to call to discuss this issue. I spoke to that representative today and she said that my original request to file a dispute came more than 90 days after the charge ( not accurate because I called right after we discovered the restaurant was closed and at that time they did not tell me that there was a time limit to contact TD again while we tried to resolve things with the merchant ). The TD bank representative said that they will open a new dispute for me- which might be approved or denied- and I'll hear in 90 days. I can not tell you how much time I've spent on this issue. I've made at least ( since XX/XX/2022 ) 7 phone calls to TD bank. I just want my {$67.00} back. This was fraud - I paid in good faith for something and did not receive it. My repeated attempts to get the money back have failed. Please help me!!! I know you deal with much more serious issues and I'm so glad that you are in existence. But I would really like to get a refund. Thank you! XXXX
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company reported a late payment on my account causing my credit score to drop significantly after I stated previously times my car was stolen and the insurance pay my car in full. The last payment I made was XXXX. My car was stolen XX/XX/XXXX and the insurance approved the claim XX/XX/XXXX. They issued out the payment to td today is now XX/XX/XXXX and td claims they havent received anything and there was two separate checks sent out and I received my check XXXX XXXX2023. And td claims they still havent received anything after the insurance stated they sent it out twice. There was a representative who I feel was very XXXX to me and I feel he or she may have parts into playing with my account causing my account to recieve a late payment to the credit bureau I will be filing a civil lawsuit against them as well
Company Response:
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A