Date Received: 2020-11-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020, there was an authorized transaction of withdrawal for {$200.00} at an ATM machine in XXXX. However a second and third attempt were made to withdraw the same amount of money and a communication error was received. Cash was not released for those two additional attempts. I have a receipt showing the communication error for these attempts. However, {$200.00} was debited from my checking account twice. The second time, no money was released and therefore I should not have been debited for the {$200.00} the second time. I have documentation from the bank in XXXX confirming this as well as the receipts from the ATM stating the communication error however TD Bank has not credited me for the 2nd attempt, in which no cash was released.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
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: The complaint is about TD bank and XXXX XXXX. On XX/XX/2020 XX/XX/XXXXand XXXX XXXX XXXX moved me out of XX/XX/XXXX to XXXX XX/XX/XXXX. After nine days I didn't hear anything from the moving companies. I called them to find out about my belongings I was told " they don't know when you're going to get your stuffs ''. I called the bank companies to put a stop on the payment. After a month they put the charge back into my accounts. Then two months later, the moving companies used again my account to get the money and the banks had sent me a letter to let me know that they reversed the charge in favor of the moving companies without my consent. Now the moving companies have the money and my belongings on hands. I present the case to you to see in order to get your help.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted these lenders and also the credit bureaus to let them know someone had oped up accounts in my name and also ran my credit and they still haven't taken them off my credit report yet
Company Response:
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
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 am a victim of ID theft and my system was hacked where my email and card details were compromised to purchase gift cards from Target online using my target card. Here is the sequence of events : 1. On XXXX, XXXX, XXXX - 3 transactions of {$470.00} were executed for buying Digital gift cards totaling {$1400.00}. 2. I immediately informed the card services of this breach on the same day and they confirmed that they will take care of this. 3. They reversed the transactions and gave me credit for this in the next statement. 4. To my surprise they again inserted these charges in the next statement sending me a letter on XX/XX/XXXX stating that these transactions were made by me. 5. I called the Fraud department and they asked me to appeal against the decision. 6. I sent an appeal letter on XX/XX/XXXX explaining the whole episode stating that I never ever purchased digital gift cards using target card. 7. They again denied the claim and when I kept on calling one of the representative asked me to fill a questionnaire to review the claim and he was surprised why I was not given this questionnaire in the first go. They sent me the questionnaire on XX/XX/XXXX which I filled and sent them along with Police Report which I made on XX/XX/XXXX along with old police report of ID theft from XXXX in addition to Identity theft report filed with FTC. 8. To my surprise the questionnaire was applied against a few legit transactions instead of fraudulent transactions mentioned above due to sheer negligence of Target. 9. Instead Target went ahead and reported " Delinquency '' to credit Bureau which resulted in my credit score getting a hit. Also they continue to put late fee and interest charges on this balance. 10 This whole episode has not only hit me with $ $ but has caused a severe harassment and mental fatigue. I never expected this from a retailer who has been hit by a cyber breach in the past, I even went to XXXXXXXX XXXX XXXX and they ignored my request. Request you to please help take it up with Target/ TD bank card services. Thank you
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I purchased 2 Money orders ( XXXX & XXXX ) on XX/XX/2020 as payment toward my rent. Both money orders were made out for {$500.00} each. I dropped the Money orders in a sealed envelope Mailbox in front of XXXX Post Office @ XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2020. The Money Orders never made it to their intended destination. Instead they were stolen while in transit. I called XXXX XXXX and paid {$18.00} for a copy of the cashed check to see where the money was deposited. The Money Orders were endorsed by an individual with a TD Bank account because the account # on the check referenced a TD bank XXXX XXXX. I called XXXX XXXX back and requested they find out who had stolen my money. They told me that they are not responsible for stolen XXXX XXXX XXXX orders and I needed to reach out to TD Bank to get my money back. I reached out to TD bank, they told me they can not open a dispute to get my money back although they are the ones who allowed their customer to steal and cash 2 money orders that were clearly NOT made out to their customer! I just want my money back so I can pay my rent. But no one seems to have any answers or need to help me find my money.
Company Response:
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: TD Partnerships Services lock me out of their online portal when I needed to check on the status of my payment and payment plan. The directed me to a phone number which did not provide an option or direction on how to get my account unlocked. Looking to check my payments and payment plan using their phone service, the information did you allow you to check the status of a payment or a payment plan which leads me to believe they are trying to be deceptive and trick people into making unnecessary duplicate payments. The course of action I took was on XX/XX/XXXX XX/XX/XXXX
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I I have a personal checking account a savings account ANd a business checking account with XXXX bank, I have used XXXX bank with other business of mine for over 15 years, TD/ prior was XXXX XXXX. I received a ppp loan in my business account in XXXX with no issues, then received a eidl SBA loan in my business account in XXXX, when I went to withdraw a certified check td bank told me we have to get this verified and come back tomorrow, I came back the next day and they said the spoke to fraud and they confirmed it was a business account and additionally I had provided my load agreement papers, so they unlocked my account and I resumed my automatic payments out of my account and my cpa instructed me if I would like to make it easier if I had a personal Acct transfer funds into there so you better track your loan funds for the sba, so I did that, then few days after they re opened my account I went back for the certified check for employee for work for the past 10 weeks that they didnt get paid for plus a certified check for a wood chipper that Im 6 months behind on payments and in Repo status, and again they locked my account and wouldnt let me take the funds, then they told me a cell phone # to call I believe his name was XXXX XXXX from fraud gsi in XXXX XXXX nj, I called and he was very short with me and said no you cant transfer anything to another account and you used the funds not for what the loan is for, and 6 weeks later all my accounts are still frozen including my savings personal Acct, my checking account and business account with no access to my funds that Im paying interest on for my business which also I received my unemployment in now that I cant work since they froze my account they also took my unemployment! My business have been in business for generations and I find this insane for how they are treating me especially in this time we are living in today! The man from gsi td fraud # is XXXX ( XXXX ) XXXX. That was the guys cell phone # the branch manager gave me to call him and he wouldnt give me the time of day!
Company Response:
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Target Credit card cut my limit in half Causing my credit score to drop a drastic amount I called to see why my limit was decreased and was told because of inactivity on the card. so because I pay my bills on time and keep my card paid off I am being punished. I called on the XXXX 4 days after the decrease and asked it be raised back to what it was. I was then told at this time Target is not performing any increases just decreases. From a business that has been allowed to stay open and make money this year while the rest of us have been struggling they are doing nothing to help except cause me more issues by causing my credit score to drop. They have no valid reason for the decrease except to hurt my credit score.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX a woman named XXXX XXXX ( XXXX ) from XXXX XXXX XXXX XXXX contacted me about a charged off store credit card. The voicemail reads ; Hey Mr. _____ this is XXXX XXXX ___ XXXX XXXX XXXX XXXX a case number XXXX I'm returning your phone call you did leave a voice message to get back in touch with you however I got it no answer again your case is actually scheduled for a litigation them tomorrow but if I am able to get your side of the story is see if I can help you in anyway I could actually put a stop on that could you please give me a call back at XXXX we do leave the office today at XXXX XXXX Eastern standard time right now it is XXXX I made an agreement to pay 5 payments totaling {$500.00} to pay off my old store card. This was very similar to a deal i got in the mail from the company that first held my debt so i went along with it. Note : she had all of the store card information. Even the charge off amount. On XX/XX/XXXX she called to say this : This message is intended for a Mr. ______ ___________ this is XXXX XXXX for ___ XXXX XXXX XXXX XXXX please call us a payment reminder for your payment schedule to be automatically drafted out of the account for today 's date in the amount of {$100.00} um this is your second to last payment your last payment is scheduled to be dropped it out on the XXXX um that would close out this account 14 days after your last payment you will be receiving your paid in full documentation of two at physically close out the account and update your credit profile I can be reached at XXXX if anything changes please reference to your case number when calling _____ is XXXX XXXX XXXX thank you have a good day Months later i noticed that this had still not dropped off my credit report. When contacted they sent me a sign off sheet for the amount paid. The card company has no idea who these people are, nor does their third party biller. When contacted they never would return a call and now the phone is no longer in service. Also i cant find anything with their Business name online. After a bit a got an email with right signature with the information. The email was from XXXX XXXX from XXXX Attachment below. Because this took me more than 60 days to discover, i am out {$500.00}. Nothin my bank or anyone will do. I will never pay anyone over the phone, ever again.
Company Response:
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A