Date Received: 2021-10-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had a promotional Cash Back of {$200.00} mailed to me that stated when I spend {$500.00} within 90 days of opening my account I would earn {$200.00}. I had until XX/XX/21 to activate the offer. I called and was approved on XX/XX/XXXX. The bank is now telling me I am only eligible for {$150.00}. I do not feel this is an acceptable business practice. My credit score is over 800. Had I known this bank was going to be deceptive I would have went with a different bank that offered the same cash back.
Company Response:
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened TD Bank account on XX/XX/XXXX in branch for the {$300.00} bonus. TD Bank never paid the bonus and asked me to wait and wait. My friend opened the account and I on the same day. He got the bonus on XX/XX/XXXX.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I received a text message from TD bank asking to confirm or deny a {$310.00} purchase at XXXX. I replied no. I do receive these text messages periodically which makes me feel comfortable that TD bank is assertive with fraud. An hour after I received this message, I received a phone call from XXXX XXXX XXXX. I know and trust this number as it is TD banks fraud department. The man on the other end professionally explained himself as a Td bank representative with the fraud dept and explained there was a lot of fraudulent activity on my account and it appeared someone was in my online banking making zelle transactions. I did not give any information to this representative ( ie social, login info, passwords ). He did ask that I read back codes being sent for confirmation purposes, which again I trusted. This is a form of confirmation and authentication that my phone provider ( XXXX ) uses as well, so again I trusted this. I do not know TD banks policies and procedures ( if they text, call, etc ). I was then told to confirm transfers being sent to XXXX XXXX. The rep explained they are on the other end of the fraud intercepting it in their database. Unfortunately, I was scammed out of {$3500.00}. I was unaware of the term spoofing and that someone can call you and have ANY number appear on your phone and in this case it was the fraud departments. After a police report and two denied claims later, I feel I need a different approach. I have contacted XXXX XXXX office who advised to file a complaint here and with the attorney general as well. I am not a stupid woman. I work in healthcare and am not naive. I learned an extremely expensive lesson on XX/XX/XXXX. However, I have been a TD bank customer for 16 years and TD bank has not offered any type of assistance and/or rectification. I tweeted my experience in an effort to include the public. I did receive a public message from TD bank on XXXX inviting me to contact them personally and we can discuss my matter. It has been over a month and no one has responded to me. The reasoning for my denied claim was due to authorization from the account holder, myself. However, it was under false pretenses. My cyber security was breached. I merely gave a confirmation to what was already going on. This was not a random number or a man calling from XXXX asking for my social security number. It was such a legitimate scam and I am so angry with myself. When I called to file my second claim on XX/XX/XXXX ( after my first claim was denied ), I was told by the representative this is a very popular scam right now. This frustrated me because I think TD bank customers should have been notified of this and this is where TD bank needs to hold some accountability as well. I reached out to the CEO offices and did receive a call back in XXXX from a woman named XXXX and expressed my concerns. She told me there is something in the works to get the word out to their customers about this impressive scam. This is too late for me, unfortunately. I am disgusted with TD bank and how they have treated a loyal customer of 16 years. Banks are insured for a reason and I do feel my complaint holds merit. Yes, I did authorize this scam. However, TD bank failed as well. I do not think it is right they arent holding any accountability in this. They didnt warn customers of what they called such a popular scam. I went to XXXX bank to open new accounts and I explained to them what happened and theyre response was, they didnt offer any kind of help after being a customer for so long? They are willing to lose customers rather than do the right thing. I just want my money back. This is a difficult time for people and to offer nothing put a bad taste in my mouth with TD bank. It was insulting as a customer and a person during this pandemic especially to have had nothing offered. At this point I feel I am owed even more money due to the hassle, but I just want was taken from me. TD bank does not care about their customers and that was very evident during this whole experience.
Company Response:
State: MA
Zip: 01604
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: The check was written out to XXXX XXXX XXXX by XXXX XXXX XXXX XXXX for XXXX loan payment and was mailed on XX/XX/XXXX. Later on XX/XX/XXXX we got call from XXXX XXXX XXXX about check not being received. Upon checking our account it showed that the check was cashed and deposit on XXXX XXXX we contacted our bank XXXX and they filed a forgery and fraudulent complaint. They were able to locate the bank that the fund got deposited into and contacted the bank. As of today XX/XX/2021, we haven't received anything from TD bank so we would like to file a complaint against TD bank for accepting the check not payable to them and allowing their customer to deposit into their account without further inquiry.
Company Response:
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have received multiple letters/correspondence from Target Card Services that I have a balance on my credit card ( see attached as one letter received for the period of XXXX ). I have not used the card in about one year. I made a police report today ; the temp ID number with XXXX Sheriff is XXXX. I think this is related to XXXX XXXX, an ex-husband, accessing lines of credit. He was never on my Target Card. I called them on XX/XX/21 and the employee I was spoke with had an ID of XXXX. He said it was XXXX XXXX. I explained XXXX was never on this card and I asked for them to mail me a letter reversing these charging including the late fees. I have not gotten a resolution from them at this time.
Company Response:
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I had a target credit card many years ago. I was going over my credit report with my XXXXnancial advisor. We agreed that {$37.00} dollars was a petty charge-off and I should have paid it a long time ago. When I contacted the XXXX customer service line the representative informed me the report was inaccurate. She said a part of the payoff agreement was any late fees would be waived. She said the fees had never been waived. Target has contributed to the obstacles I have faced while trying to re-establish myself after a traumatic experience. I asked if I could have some type of confirmation of what we discussed, she told me that they didn't have a way to give me any confirmation that my account was paid off four years ago. The rep told me the pay-off will be reported the next time the company reported to the credit bureaus. I have tried to contact Target RedCard, but I can not get past the part of the automated system that asks me to dial my card number and press pound. I don't have a card number. I do not have an email address that works for me to reset my password to access my account.The carelessness of how my account was handled makes me feel like I was a victim of name and race discrimination by one of my favorite retail places. I just spent {$200.00} in Target for house supplies and my XXXX XXXX XXXX effort to support pet abuse in the past week.
Company Response:
State: FL
Zip: 32119
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Earlier in XXXX, I received a pamphlet from TD Bank enticing me to open a checking account with them, promising a {$300.00} bonus after required steps are complete. I read the fine print at the bottom carefully whose relevant part is cited below : " Offer valid from XX/XX/XXXX through XX/XX/XXXX and is available to the new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' However, after I opened a new checking account on XX/XX/XXXX and completed all the steps and after the supposed deposit date for the {$300.00} bonus has passed I visited a local TD Bank branch and was verbally told by the local banker that I should be eligible for the {$300.00} and they are not sure why it has not been deposited. They asked me to check back after a week while they communicate with the back office. A week later I checked back and the local banker told me the back office denied my {$300.00} bonus on the ground that all prior customers who had received a similar bonus in the past is no longer qualified for the {$300.00} bonus. Admittedly, I did open a similar checking account with TD bank in XXXX and received a prior bonus for doing so. The previous checking account was closed in XX/XX/XXXX, and thus I was relying on the language of the pamphlet to conclude that since the " preceding 12 months '' would start to run from XX/XX/XXXX through XX/XX/XXXX. However, the position of the TD Bank 's back office is far more restrictive - it is stating that if I had received similar bonus ANYTIME in the past, for example, 5 years ago, I will no longer be eligible for the current {$300.00} bonus at dispute. This position directly conflicts with the wording on the pamphlet and constitutes fraudulent advertising inuring to the benefit of the company and to the detriment of the consumer.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have had a Target card since 2015 and has never missed a payment with Target. I also have many other cards on my credit report with a 100 % payment history. Target XXXX recently reduced my credit limit from XXXX to XXXX, when I called to inquire, the response was it was the credit bureau decision. Most recent Target XXXX decreased my credit limit again this time to {$900.00} which was a huge impact on my credit report impacting my credit utilization ratio. Target XXXX is not able to provide me with a reason why they are constantly decreasing my credit limits even though I have no missed payments. I work for XXXX as a XXXX making well over XXXX yearly and I dont understand why my credit limit is being decreased as well as no one can explain why.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX I reported 2 charges that were not mine. My bank originally filed my claim wrong, the. Had to re file. I was told in XXXX that I would get a provisional credit, I have yet to receive. 2 months into the investigation they freeze my account questioning a mobile deposit I made in XXXX. Please see my attached time line.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A