Date Received: 2023-11-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/2023 I was approved for a Target Red Card in which I applied due to a {$40.00} promotion they were offering on their website XXXX. I got my card in the mail and I was supposed to receive the {$40.00} promotion along with my card. I called and asked why I did not receive the {$40.00} promotion and they said I didn't qualify, because I didn't apply in time. I told them that I clicked on their {$40.00} promotion Ad online and that is why I applied, because of the {$40.00} promotion. After further research and hold time, the target card representative came back and said oh yes you do qualify, I will send it in the mail. I never received it, so I called back a few weeks later and they told me that as a one time courtesy, they mailed the promotion already and would be able to send another one. I told them I never received it, and they said they can not do anything. XX/XX/2023, I mailed them a letter to the corporate office which I have documented requesting my promotion. XX/XX/XXXX, they responded that they already sent my coupon within the past 12 months and won't be able to send another one. If I had any concerns to contact the customer service number. I contacted them and spoke to a Supervisor, XXXX who said he only has access to resend the coupon once. I told him everything mentioned above and how it has been such a huge inconvenience in order to get my promotion and he said he can't do anything, so I filed a complaint with him reference # XXXX to be escalated to upper management. I explained that this is a fraud and a scam they should honor their promotion and this is against the law. Its a shame I have to report fraud against a credit card company itself that I am supposed to do business with. Target, a big, well-known, and respected American Retail corporation. What a shame that I have to make such effort as a consumer and spend my time and energy to fight this {$40.00} promotion, but here I am. I will also be filing a report with the California State Attorney General Regulatory Office as well and possibly filing a class action law suit. This is not about the {$40.00} promotion at this point, its about the integrity of Target Corporation in which I no longer feel comfortable doing business with. I feel taken advantage of, scammed and mistreated. Bottom line, this isnt right!
Company Response:
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX, TD Bank, XXXXXXXX XXXX XXXX XXXX XXXXXXXX pulled a hard inquiry on my credit report. I believe it was for a new credit card. I immediately called each bank and stopped the inquiry and reported it as fraud. 2 days later, XXXX called me and said someone tried opening an account under my name. I immediately said it wasnt me and told them to stop it.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We have had a business account open with TD Bank since XXXX of XXXX. Being small business owners for the moment we have pretty much only used this account for deposits from our customers and since we don't do any business in winter never used it in that season. When we opened the account TD Bank linked our business account to my husband 's personal account to avoid the maintenance charges of {$25.00} a month. My husband didn't pay any attention to the fact that TD Bank started charging him the fee in XX/XX/2022, resulting in {$300.00} of our money they had taken, which was up until I took charge of the account XX/XX/XXXX and noticed all the charges throughout that year up to current. Once I went through and noticed it I started calling to rectify the situation. I spoke to tellers XXXX and XXXX about it, they both informed me that due to an update in TD Banks system my husband 's account and many others became unlinked. XXXX XXXX is aware of this mistake also and refuses to make the situation right by refunding us our money. Moreover there was enough in the account a few months after it became unlinked to avoid the maintenance fee and TD continued to keep on charging our account. I checked today and we are still owed another {$150.00} as I received another {$25.00} credit yesterday XX/XX/XXXX. I spoke with a customer service rep on XX/XX/XXXX who informed me that since the fault is on their end they are obligated to give the refund and the branch manager would have to do so as he was only authorized to give {$50.00}. XXXX called me back XX/XX/XXXX at last to say it was my fault for not paying attention, she did us favor and then again today XX/XX/XXXX to say she did us a favor refunding us an extra month and that it was our fault pay attention next time to our statements. We didn't authorize them to charge our account the maintenance fee nor did we agree to take responsibility for an error in their system resulting in us losing that money. Any help to recover what we are owed by them would be appreciated. Thank you.
Company Response:
State: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased two products from a company that were on pre-order but payment was taken at time of purchase. The amounts were for {$620.00} and {$120.00} and the dates are listed on my account for these transactions were XX/XX/XXXX and XX/XX/XXXX. After over a year with no product in hand and little to no information being sent by the company pre-ordered from, I requested a refund around XX/XX/XXXX. About a year later, XX/XX/XXXX, I heard back from the company letting me know that they would cancel my orders and refund them to the card on file. The card had expired since the original transaction but the new card I have is attached to the same account that was on the original card. The company let me know that the funds should go back and contacting my bank, TD Bank, and speaking to a representative led me to believe that there should be no issue. If I did have an issue with the transaction posting after 7-10 business days, I would need to go into a branch to dispute the transaction. The orders were cancelled and refunded in their XXXX XXXX payment system on that day. I waited 7 business days for an authorization or the funds to be shown in my bank account, but nothing happened. I traveled to the XXXX XXXX TD Bank location and spoke to someone in person about the transactions. They spent time verifying that the transactions existed in the record of my account and they told me that I should wait the extra 3 days to make sure that the transaction posts. While TD 's policy of 60 day dispute timeframe was out of scope, they might be able to fix some issues. I was told that the representative would reach back out to me at the 10 business day mark of the transaction. At this time, I reached back out to the original company for a followup and they gave me two ARN ( Acquirer Reference Number ) numbers to help the bank track the transaction. I did not get called on that XXXX day. I called the branch on the following day to follow up and was told that there was no appetite by management to help me. I called the TD " Customer Care '' line for help and was told that my card was expunged from my account. They could see that the card WAS on the account, but the data was gone. This did not make sense to me as the transactions are on the account and was told that the refund to the old card should work but was told that because the card is so old, they couldn't do anything. I spoke to a manager and was told the same thing. I tried many times to give them the ARN that I was given but no one seemed to know what the ARN was. They took the numbers and told me that they would escalate my issue to the investigation team at TD Bank but I would need to wait 5-7 business days to hear back from the investigation team. I waited 5 business days and heard nothing so I reached back out to TD Bank to get a status on my investigation from a manager only to find out that no investigation request was put in and that " It isn't right that I'm being treated this way. '' The person told me they would reach out to me after reaching out to the Investigation team. I have not heard from anyone at TD Bank since. I reached out to the original company and have not heard back from them either. By refusing to help me with this issue, TD Bank has effectively robbed me of {$740.00} and my trust that they actually will help any client if they run into an issue.
Company Response:
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ALL XXXX CREDIT BREAU SHOW INQUIRES THAT I DID NOT REQUEST, I NEED THEM DELETED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
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 spring break I travel to the florida on XX/XX/XXXX XXXX XX/XX/XXXX of 2023 my card was lost. And saw this transactions charge in my card of XXXX dollars and more transactions that I did not did it, my internet connection was terrible over there, and I called on XX/XX/XXXX to report to the td bank credit card and they say ok they will continue a investigations and it pass so many months just to tell me, there is no enough evidence to help me. I am so concern about this transaction and would like more help please
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I went to TD Bank after trying to rectify the issue myself with the seller of and item i ordered through XXXX XXXX. Also tried to rectify it with XXXX XXXX directly and they told me they could not help me. Went to the seller and requested a refund for the items that i never received and they denied me. So then i when to TD bank and they gave me a provisional credit for the items i never received. Then they took it back form me, so i filed a dispute against there ruling of them not finding anything wrong. So they gave me the money back and a couple of weeks ago the took it back again. Now putting my account into overdraft and hitting me with a fee on top of it. I live on a limited income and because of there actions i was forced to take out a personal loan to pay for the bills that from the money they took out of my account. I truly think it is unfair how banks can play with peoples accounts like that. XXXX
Company Response:
State: SC
Zip: 29588
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: i, my name is XXXX XXXX, i have a saving account with td bank at first when i realise that my card was not working i went to talk to the manager if they can provide me with a new card to access my funds, they say they couldnt help me that i have to come back an another time and as well the system is down so they basically cant access my account. so when i went back in two weeks of time the lady that was helping me was very rude, telling me all kind of excuses but at this point i have to remind her that my phone bill is due as well as my rent and i have to taking care of that issues as soon as possible. so after a couple a minutes of looking at my account and passing some phone calls she reach out to me and let me know that td bank do not have my account and i have to go and check with the office of the new york state comptroller ( for unclaimed funds ). at that point i told her that i dont know what is the unclaimed fund and i dont have no business with them and if the bank can help me claim my account. she says that i an on my own and the bank cant help. After i visit the website she gives to me and call the state comptroller, i realise that i was being scam and the bank never foward my account the the state comptroller to be claim by me. i am i need, i need my refund so someone please help me.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Good afternoon, first of all thank you for your time. you see I have fully paid 2 cars, currently paying another two vehicles, I have paid loans over XXXX and Im very responsible with my payments, I had a Exeptional payment history until now. on XX/XX/XXXX I returned an item using my Nordstdrom credit card, I was not informed by the nordstrom employee at the time on the retunning that there was a balance to be paid for this transaction, I did not received a reciept ( the store was about to close ) and when I ask. Is that it? refering to the transaction, the employee responded " you are good '' and I left with out a reciept. Since I had recently openned that account it was clear to me that that was the last transaction for this credit card. months later on XXXX I opened my experian account and I noticed that Nordstrom had flaged me as late payment, I called them, paid the balance of {$27.00} dollars and informed them that I did not received any type of notification regarding this balance and that I was not aware of this, the same day I open a dispute to remove this past due balance from my credit record since its affecting the opportunity of buying my first house, I truly believed that Nordstrom has some responsability for this late payment, they shoud provide a better traning to their staff members, and have to notity their customers when they are late on their payments. I wound never put my credit score on the line for XXXX dlrs, and I would be happy and continue to use their credit card if they can remove that from my record.
Company Response:
State: CA
Zip: 92705
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: The company has no phone number to be contacted at. It has a Mailing. address only. There was no response.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A