Date Received: 2021-08-20
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: This complaint is in regards to my previous complaint # XXXX. Not only do I NOT agree with the response from Target, I have since been advised by Target directly that their company was in error. On XX/XX/2021, I spoke to a representative, who I believe the name was Ukarie ( hard to understand ) and Supervisor named XXXX for 45 mins reviewing the account. It was at that time, that XXXX advised me that the representative I previously spoke in regards to waiving my payment was in the wrong and told me the incorrect information. They were not offering any COVID assitance at that time, but the representative advised that my payment would be waived, and I would not have a payment due until XXXX. Again, Target has openly admitted to the error, and still refuses to correct it. If I had not been mislead to believing that the payment would be waived, the payment would of been made. I never recvied a statement via mail or email as Target has claimed, nor did I receive a courtsey call, or message stating that I had an overdue payment. Again, I paid the account as i had agreed to when I requested the assistance. As this error has been admitted by Target itself, it needs to be corrected as they are misleading their consumers.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I Sent a wire transfer of {$3000.00} to my brother XXXX XXXX. I sent it at XXXX EST under the impression it would be sent same day due to their website stating if wire transfers were sent before XXXX, they would be processed and sent to the recipient the same day. If sent after XXXX, it would be the next day. It's XXXX EST on XX/XX/2021, and the transfer has not arrived to his account. I called TD bank and spoke with XXXX. I explained to her the issue and stated I paid a {$30.00} fee to have this service send money the same day. XXXX does NOTHING to help the situation and tries to provide me with the FED reference number saying the recipient needs to track the money. I told her I did not call for the reference number as it's stated online already. I called to see where my money was at because I paid the bank for the service. If the service wasn't going to rendered, I want a refund and a reversal of my {$3000.00}. I told her I could have used western union service for same day. She said wires take up to 24 hours ; I told her that's not the issue ; the issue is the false advertisement on the banks site that DOES NOT have any small print that tells you how long the transfer can take. It just says same day. Screen shot attached. I told XXXX the call was being recorded due to her inability to assist. she hung up the phone at that time. I am sending the recorded call to XXXX.
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Account was closed with NO activity since XX/XX/XXXX. Lender false claims that payment was made XX/XX/XXXX in order reopen account. There has been no activity nor payments made to this account. Account is XXXX XXXX XXXX XXXX old I requested through XXXX XXXX to have this CLOSED account removed. T. D. Auto Finance has made false claims of activity in the form of a payment being made to the CLOSED account in order to reopen account and collect a debt not owed.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I HAVE A TD BANK ACCOUNT REPORTING ON MY CREDIT REPORT AND AS A FEDRERALLY PROTECTED CONSUMER I HAVE BEEN STUDYING CONSUMER LAWS AND I KNOW MY POWER AND RIGHTS I NEVER GAVE ANY WRITTEN PERMISSION TO TTD BANK TO FURNISH ANY REPORTS TO THE CREDIT REPORTING AGENCIES NO CONSENT IS IDENTITY THEFT I NEED THE ACCOUNT REMOVED FROM MY CREDIT REPORT WITHIN 4 DAYS OF RECEIPT OF THIS NOTICE I HAVE ATTACHED AN FTC LETTER.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2021, I opened and funded a new TD Bank Beyond Checking account using a promotional offer that promised {$300.00} bonus. TD Bank refused to award me the bonus by claiming that I am not eligible since I received an account opening bonus 4 years ago. TD Bank did not mention previous receipt of a bonus as disqualifying condition in the bonus terms disclosed to me ( see the offer Terms attached ). I believe that TD Bank 's action regarding my bonus is clearly deceptive, and I kindly request that you investigate this bank for Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ).
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a email that a account with TD bank had opened with my name and email with the account number ending in # XXXX. I called them and close the account. However this isnt the first time this has happen with TD bank this is unacceptable and I feel like its one of the bankers that stole my SSN and name and email because of my Target Credit Card which is a TD bank backed credit card
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XXXX the XXXX XXXX i received a checkbook with my correct name and address however the phone number on the checks was not correct. The checks came from a bank i have never done business with. I believe that some one has tried to steal my identity. I called TDBank and made them aware that i received checks with all my correct information except my phone number. I did provide the routing # and checking account number on checks and the bank did flag said account.
Company Response:
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Just over a year ago my wife and I applied for a secured credit card with TD bank after having our bankruptcy discharged the previous year. We were told that it would take about 6-7 months and they would upgrade us to a regular card. We had to put some money into a savings account that would not be accessible. We each put {$1000.00}. It's been more than a year and we asked the bank to let us know why we are not getting upgraded and to give us a date. They have not provided us with that info. We have paid our balances always on time and pretty much in full. Our credit scores are in XXXX-XXXX 's.
Company Response:
State: CT
Zip: 06489
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I am writing to lodge a complaint against TD Credit Card Services. I am in the process of obtaining a new mortgage on my home that will save {$1000.00} a month. The Mortgage Lender asked for a letter from TD Bank stating what the balance owed was on the account. On XX/XX/XXXX I paid {$2000.00} and asked for letter to be sent. I went to my local TD Bank and was told that this very simple request could not be completed by them at the bank and I had to call TD Credit Card Services number on my card because they were a different company. I called CC Services again and asked for the letter again explained why I needed it. I spoke to 3 levels of supervisors when they each said they couldn't help. The last one was named XXXX and she said the letter was actually sent on XX/XX/XXXX and it would take 10 business days. The 10 business days was up on the XXXX I called again and they said thy couldn't help. I still have no letter. The delay has already cost me {$1000.00} I feel this is a totally unreasonable action on the part of CCServices XXXX XXXX ) part. It may cost me another {$1000.00} very soon.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A