Date Received: 2023-01-31
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was trying to acquire a laptop, printer and phone for a job but I was scammed by the people selling them. I sent them money and they never sent the devices and TD Bank refuses to refund my money. I sent a total of XXXX payments ; XX/XX/XXXX for {$740.00}, XXXX on XX/XX/XXXX ( or XXXX ) for {$830.00}, and another one on XX/XX/XXXX for {$830.00}. I filed a police report in my town and went into the TD store to try to receive help. I filed a reg-E claim with my bank but it was denied because they said " I willingly sent the XXXX payments XXXX ''
Company Response:
State: NJ
Zip: 07675
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened a Target Credit card in my name. I have tried to dispute this and the company will not look into this. I have even asked them to Validate the debt and they won't send me any information on this.
Company Response:
State: FL
Zip: 33772
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Company Response:
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/23 I received a call on my cell from XXXX. They claimed to be from Target and asked to speak with my husband XXXX XXXX. When I replied that I was his wife they asked for his number. I thought that seemed suspicious that they were asking for me and not my husband so instead I asked for their number so he could call them back. When I initially googled the number it said high fraud alert so I didn't do any more digging. They called again on XX/XX/23 and left a voicemail. On Saturday I received a Target credit card in the mail, but I have never applied for one. I called Target on Sunday and they put a freeze on it and told me to call the 3 credit agencies. They told me one charge had been made so far, but they did not tell me the amount. I'm guessing it's under {$100.00} because the paperwork with the card says Temporary Credit Limit : {$100.00}. I found out later that the initial calls were really from Target to ensure I wanted a credit card opened with them.
Company Response:
State: IL
Zip: 61761
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: TD Card Services charged my checking account for the full balance on a balance transfer of 2 months earlier via their balky and confusing digital payment website. Why would I transfer a XXXX balance XXXX a 3 % fee only to pay it off 2 months later. I made it clear when bal xfer was done I intended to pay it down at $ 100 monthly. After the XXXX XXXX worked as intended they charged the full balance in month XXXX against my checking account. I have spent many hours, incl multiple XXXX minute wait times to reach them, to explain and have this matter resolved. They agreed to reverse the full pmt, only to treat it as a new purchase rather than the transfer incurring XXXX interest thru XX/XX/2023. The whole experience was a nightmare of failures on their part to correct the problem. I have finally resolved to pay of the amount remaining that I borrowed less all fees and interest they have charge over the last XXXX 9 months. This due to the many hours of my time and aggravation getting a fair resolution of the matter, which they have refused to do. I will mail the full payoff on XX/XX/2023.
Company Response:
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Information is not correct and is being reported wrongly.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened up a checking account with TD Bank on XX/XX/2022. This Was in response to a mailer I received. the promotional code would award a {$400.00} bonus if specific criteria were met. I followed the instructions, opened the account through the correct website, entered the promotional code and completed the required activities. I have waited the required length of time to receive the promotion and my account is still open. TD Bank is saying that I was not eligible because I never received a promotional flyer. The representative I spoke to who was a supervisor said that they searched my name and social security number and address to see if a promotional flyer was ever sent and they could not find XXXX. I'm not sure how they think they could have had my social security number prior to me opening the account so that in and of itself is confusing. I had also inquired about the length of time it would take to receive the bonus previously and there was no mention that I was not eligible so I feel this is a deceptive act to trick people into opening up bank accounts and hold their funds while we wait to see if we get our bonus. Note that I deposited enough funds to meet an average daily balance to avoid the normal $ XXXX monthly fee they usually charge. The supervisor I spoke to you on XX/XX/XXXX agreed to reach out to their promotions team and ask them to search my last name which I sometimes hyphenate. I opened the account with just XXXX last name not XXXX. She told me to allow up to XXXX weeks for a response they told me usually there's a response after a week and a half. She also told me that I may need to supply them with a photo or walk into my local branch and provide the actual flyer that was received back in XXXX. That was over XXXX months ago so of course I don't have that flyer. I did take a couple screenshots but sadly they don't show my name as the addressee. I also asked her if she could look to see if I entered the code that was provided on the mailer and she said her system does not show whether or not a code was entered. There seem to be a lot of holes and gaps since ( number XXXX ) she's saying they looked me up by my social security number to see if a flyer was ever sent and I never did business with TD Bank in the past so there's no way they would have had my social security number ; ( number XXXX ) how would anyone ever expect to receive their friends if they didn't retain the original mailer? That's why I think what they're doing is predatory and deceptive.
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Hello, Ive had a credit card with Target for a few years now. Ive always paid my amount on time all the never missed a payment until recently starting in maybe XXXX or XX/XX/2022. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because of this sickness causing me not to work I wasnt able to pay my bill anymore. Ive tried contacting and figuring out a way to resolve this but I never hear back and now Im getting a debt collection. Its not fair.
Company Response:
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Someone tried to open a Target XXXX Credit Card in my name by using my personal information.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: they are trying to collect money for TD bank retail store cards. never had an account with them
Company Response:
State: NJ
Zip: 07920
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A