Date Received: 2022-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX TD Bank reported my payment as late due to an error with the representative who applied my mortgage payment to escrow oppose to my monthly mortgage payment. I contacted TD Bank who acknowledged after reviewing my dispute they discovered the error reporting on their end. A letter was sent to me acknowledging the error in XX/XX/XXXX and stated they sent corrected information to the credit reporting agencies. As of today the late inquiry is still on my credit and is causing me issues with getting approval for another mortgage loan.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2022, I received an email that two accounts were opening in my name at TD Bank. I don't have an account with this bank and never have. When I called the bank, they confirmed two accounts were opened. They closed the accounts and launched an investigation.
Company Response:
State: TN
Zip: 37206
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/2022, TD Bank allowed {$320.00} to be taken directly out of my bank account although I do not currently have an account with XXXX and have not over the past year. XXXX XXXXXXXX has not provided me with any products or services to allow this withdrawal. I have tried multiple times to resolve this, with XXXX representatives assuring me I would receive a refund. However, each time, representatives continue to push back the refund date and do not provide any substantive help, even providing fake names. This money was not only my entire paycheck for two weeks, but also over-drafted my account by $ XXXX. I contacted TD Bank as I filed for fraud when this unauthorized withdrawal occurred and they refunded me. However, on XX/XX/2022 the bank withdrew a reverse provisional credit from my account without my permission and left me with an overdraft amount. When I contacted the financial institution, they responded by telling me the only thing they can do is file a dispute which they stated will not be approved. I have still not received a refund from either TD bank or XXXX XXXX. TD bank took my money and gave it to a company without my authorization. As a result, I can not pay my bills or even afford adequate food for my family. I am a single mother and this income is essential so I can care for my daughter.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I pay my target bill every month. I make 2 payments a month some months. Always the minimum, or 2x or 3x the minimum. Today I get a letter from a collection agency. I had to change my bank account due to fraud. My payment came back because of that. Instead of calling me, or sending me a email or ANYTHING they send me to collections. I login today and it says I owe {$29.00} due TODAY. So I added my new account info and paid the {$29.00} then called the collection agency. They were horrible. I insisted they transfer me to target. Target gets on the line. XXXX the supervisor gets on and is completely unprofessional and cut me off. When I said I was speaking. He hung up on me. I need to be assured I am not going to be sent to collections. I need to speak to someone at corporate. This is how you treat a good customer?!?!?! I also need to be assured you will not be hurting my credit with this as I show I am up to date and again I had to change from XXXX XXXX XXXXXXXX XXXX to fraud to XXXX XXXX XXXX XXXX. I simply had forgotten to update the account info. A call, email, letter from Target would have been nice before just sending me to collections!
Company Response:
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 there were 5 unauthorized transactions made on my debit card totaling almost {$3000.00}. The bank denied my fraud claim because they said that I logged onto My app after the transaction posted and did not file the claim until 2 days later. I couldnt file the claim until 2 days later because the transaction did not post and they will not dispute non-posted transactions. I did call the bank the day the fraud occurred on XX/XX/XXXX and they confirmed I need to wait until the transactions post for me to file a claim. The denial for this claim is completely unfounded and now Im out almost {$3000.00} because my bank denied the claim. These are clearly fraudulent claims as 3 of them are from XXXX and 2 are from XXXX with what seems like made up companies. Im located in the US and they can verify my location by looking at where I was when I open my app every day
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with Fair Credit Reporting Act Target XXXX Card XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : 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: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD BANK USA/TARGET CREDI Dont have a contract with my signature Contacted bureaus and they failed to present contract with my signature. I don't have record of account
Company Response:
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a denial from Target on a credit cart application. I contacted target and they told me that seone had applied using my driver 's license number and an XXXX email. I do not have an XXXX ail account. It resulted in an inquiry on credit. I did not apply for this. Target advised they could notify the credit agency to remove the inquiry. They advised me to call my local DMV because they used my license number. I did that. They also told me to come to this website to report it as a potential ID theft attempt. Thank you so much. XXXX XXXX
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Td bank XXXX amountXXXX XXXX XXXXcc# XXXX**XXXX XXXX XXXX XXXXXXXX acc# XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
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: I noticed that XXXX XXXX were on sale at XXXX XXXX and decided to get them price matched at Target on XX/XX/2021. According to the charges, the subtotal was ( XXXX ) with the following discounts ( XXXX for XXXX 5 % discount ; XXXX Partial Refund, which was the price matching ; XXXX Target Circle Earnings ). With tax ( XXXX ), the total came out to XXXX. I then used a {$13.00} giftcard which should have brought my total down to XXXX ; however, my XXXX was charged {$160.00}. Essentially I had paid XXXX for the item if the giftcard is included in the price. As this was an online purchase through the " chat function '' on target.com, I didn't take a look at the charge because I didn't think anything would've gone wrong. After the fact, I decided to return the XXXX as I found the battery life to be much too low for what I needed so I decided to return them. I went to Target and returned them in person and was given a refund for {$140.00}. The receipt states as follows : XXXX : XXXX ; Adjustments : XXXX ; Subtotal XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX ; Tax : XXXX ; Total Refund XXXX ; Gift Card Credit XXXX ; Target Card Credit XXXX. Therefore, I received a Gift card for XXXX and was refunded XXXX but I had paid XXXX ( which was more than the stated cost of XXXX ) and apparently the gift card that I had applied to this purchase " didn't go through '' ( stated by the manager at target and target corporate when I called them with my problem ). I brought this up to the manager at Target and was told that " the credit card is not a part of target and the bank handles all disputes ''. So I reached out to the bank to report fraud as I was overcharged {$13.00} and was held liable to pay for an item that I do not even own anymore. I was transferred multiple times and bounced between Target, Target XXXX, and a calling service that is operated by Target. I was told by the calling service that they would be making a note of the complaint and that this would be resolved in a few days. I was also advised not to pay so that the charge could be cleared. A month passes and I suddenly receive a bill from Target saying that I now owe XXXX due to missing my payment. It was at this point that I realized that this may be a bigger problem and decided to start keeping the bills for records. I immediately called Target again and was put through the same process of being bounced around for hours before finally being told that they would internally investigate and was told the same thing, hold off on a couple of days, we'll investigate, don't pay any bills, you'll receive a letter on resolution. This time, I also received a letter from Target stating " Thanks for getting in touch with us about your billing dispute. While we review this, the amount you disputed won't be included in your minimum due or be subject to interest charges or other fees. You're still responsible for paying on the rest of your balance ''. A few more months pass before I finally received another letter from XXXX at Target Card Services ( XX/XX/XXXX ) saying that my dispute has been closed, " After looking into the transaction ( s ) you disputed, we disagree with your clain and respectfully decline your dispute. Here 's why we made our decision : The charge for {$160.00} is valid ( even though the item was XXXX and I used a XXXX gift card ) ; Our records indicate that the order was shipped to the above address ( I did receieve the item ) ; Merchandise has been returned during the teim of questionable charges ( I returned the item before I discovered that I was overcharged for the item ). The disputed amount, XXXX, as well as any applicable fees and intestest charges, will remain on your account. Please check your next statement for your minimum payment due and due date ''. I immediately called them again, repeated myself again, and went over the math the person who took down notes for my dispute request. I stated that I was charged, XXXX on a item that was XXXX. It shows that my gift card ( XXXX ) had been applied to the order in the app, but apparently it wasn't because I was still charged XXXX on the item. When I returned the item, I only receieve XXXX back on my card and was given a XXXX gift card. Therefore, I was confused where an extra XXXX charge was coming from. The person declined to agree/disagree with me but took down what I had said and submitted it for another review. This time, I receieved a bill from them and another letter on XX/XX/XXXX from XXXX at Target Card Services saying that " The dispute on your Target Credit Card has been resolved! The merchant credited XXXX back to your account on XX/XX/2021. Any applicable fees and interest charges have also been credited, and you'll see the adjustments on your next statement ''. I feel like I'm just lead around by my tail as no one is admitting to any fault nor providing me concrete evidence or a breakdown of why I was charged XXXX for a XXXX item and XXXX was taken from my gift card balance, but only refunded XXXX and a gift card of XXXX. Being told that this problem has been resolved and I am liable for it even though none of my questions are being answered doesn't help either. Especially since whenever I would like to talk to Target about this problem, my call is always transferred out of Target 's phone number to the call center with heavy accents. Please advise and help me sort this out as they're refusing to even talk to me now.
Company Response:
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A