Date Received: 2020-11-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Target allows only three online payments a week. Why? To make a fourth payment in a week, I have to call or go to a Target store. Why? An agent was unable to explain other than state that is the policy. Why is it the policy? Consumer-friendly credit card companies allow typically seven payments a week. Making me ( and others ) jump through a hoop to make a payment seems like it is discouraging customers from making payments.
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
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: My issues is that Target sent an unauthorized payment to my bank in the amount of {$28.00}. I attempted to call the customer service line and was unsuccessful at getting through, I then called my credit union and notified my branch that a duplicate payment had been sent to my account. After filing the dispute and receiving the funds back to my account, I then reach out again to Target. I explained what had happened. I was told by their customer support that I was being charges a fee for a returned payment and they would not adjust this fee. I was told that the payment was sent by an auto pay. Auto Pay had been suspended in XX/XX/2020 and for 3 month did not automatically sent a payment to my Credit Union. Furthermore, I would told the auto Pay was only temporarily suspended so it was my fault. First I was told the suspension was for 30 days. then 60 days, In fact, I took it off on XX/XX/XXXX, Screenshot the notification, and called Target to verify it was cancelled. I was not notified it had been turned on nor did it show up when I made a manual payment. I made a payment every month! I had told Target I was possibly filing bankruptcy in XXXX and closed the account in XXXX. Three weeks later the auto pay restarted ; sending two payments to the credit union. This is an unfair charge which they have indicated quite clearly that they will not do anything to resolve.
Company Response:
State: OH
Zip: 43016
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Good afternoon, In regards to my HELOC account with TD bank. XX/XX/2020- I had received email confirmation after applying for the forbearance. XX/XX/2020- shocked to see a late payment so called and made {$410.00} payment and representative said that the application should be approved before next payment. She said there is heavy volume and sorry for the mix up on their part. XXXX did not receive any late charge therefore indicating like representative said that the mortgage forbearance has been applied. A Monday in XXXX spoke with XXXX once I discovered my credit was destroyed. XX/XX/2020- spoke with XXXX XX/XX/2020- emailed XXXX and no response XX/XX/2020- submitted by mail TD bank 's Consumer Credit Report Dispute Form. XX/XX/2020- spoke with representative XX/XX/2020- spoke with XXXX TD representative had me under the assumption that my online application was approved from XX/XX/XXXX. Unfortunately, I discovered in XXXX around 100 point credit score drop. XXXX has resubmitted the back date request again ( XX/XX/11 was told denied because they said there was no evidence of me requesting the forbearance ), after XXXX did that in early XXXX. I have an email to prove it and a call that was made on XX/XX/XXXX talking about why did I have a late charge when I had applied for the forbearance. Respectfully
Company Response:
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sent my payment to td bank on time like I always do for XXXX. Its automatic in my bank account. I got a call on XX/XX/XXXX saying they were attempting to collect a debt and I had not paid my mortgage. After speaking w the representative it became clear they had received my payment and bc of a change in escrow analysis I owed {$14.00} more on a {$4400.00} mortgage so they didnt apply my payment. I paid on the phone the {$14.00} and then they charged me a {$170.00} fee. I spoke at length w td about how this is an unfair practice and that its not indicated anywhere on the bill that this is the practice- to withhold payment if its not in full. And that the practice is extremely off market. They refused to credit the fee. It seems egregious to me so Im contacting you to find out if its a fair practice.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: have written this letter in the hopes you would be willing to make a goodwill adjustment on the reporting account. During the time period in which my bills became past due, my father becomes ill and I lost my job all within the same time period. He later died and I was grateful to have those last moments with him but between hospital visits and funeral expenses I simply could not sustain a way of life in order to pay my bills and all of my accounts suffered until this moment. If you review my account I paid extra and sometimes over the balance dues. I filed for bankruptcy in 2020 as a way to finally get a fresh start. I take full responsibility and am by no means trying to justify my actions or my financials tardiness. However, I was hoping you might review my records and the circumstances and consider removing the negative line from my credit. This negative line on my credit is preventing me from buying my first home and it would make a huge difference if you were able to eliminate it from my record. I would like to stress that the fact that the information currently being reported is accurate. I am simply asking for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report because of the circumstances in which the item occurred. I recognize that this request is unique and it may not be a normal business policy, however, it would make a huge difference in my life. Your kindness and consideration is appreciated in this matter
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I filed a complaint with TD Bank about Gas merchants charging my card differential amounts of {$100.00} that I did not spend at merchants. I use my card at the pump when I pay for gas and choose credit. Normally they do not hold fees when I use my debit card as a credit at the pump. The transaction shows as {$1.00} and a few days later the actual amount is taken out. I called TD and reported the post-paid {$100.00} charges as inaccurate. My car doesn't take {$100.00} to fill up, it takes about $ XXXX to fill. I received a letter today in the mail that based on their investigation, I have to dispute it with the merchant myself. And the provisional credit that was applied to my account up to {$200.00} will be reversed. This is extremely upsetting and this is not the first time this bank has claimed that no error has occurred during a transaction that I didn't agree to or paid on. I had an overcharged on a restaurant and they disputed that I will have to deal with the merchant myself. They are not doing their investigations correctly. I do not have a receipt to challenge the charges myself, nor do I have my old debit card number to do so as well. TD has been trying my patience all year and it's time for the government to look into this. For every claim, I filed they send a correspondence that I have to do the investigation on my own and they are reversing the credit. I pay enough fees on my account to not get the full respect I deserve. I have the transaction pictures attached.
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: TX
Zip: 77074
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I was shopping online on the XXXX/XXXX website for exercise equipment. In the process, the website stated credit terms and invited me to see what limit I would qualify at. I filled in the requested data and an amount was listed. I selected an item and placed the order. About two days later, I received a letter from TD Bank that my credit was denied. I immediately contacted XXXX and canceled the order due to the credit denial letter. The product was never delivered. I then began receiving statements from TD Bank that I owed them over {$500.00}. I explained to TD Bank what happened and sent them a copy of the denial letter. They continued to bill me even though I never purchased anything. When I contacted them they continually denied my requests for a review and threatened to contact my employer.
Company Response:
State: WI
Zip: 54703
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or about XX/XX/2020 I received a SBA loan deposit into my bank account in the amount of {$100000.00} that issued by the SBA. It has been several months now that I haven't had access to my account. They have requested information regarding the deposit which I have provided but as of this date I have yet to have access to my funds. I have tried repeatedly to speak to a branch manager and was told that they were unavailable to spake to me. I have a agreement with SBA not the Bank in regards to the bank, however the bank refuse to release the funds and have stated that the funds will be sent back for no reason. I would like my funds to be release immediately.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On or about XX/XX/2020. I opened an account with TD Bank. The account that was opened was a regular savings. I notice that I was getting charged {$15.00} a month for maintenance fee. The account, which I did not know, was a TD Beyond Savings account which required a monthly balance of {$250000.00} and what I had initially signed up for was the TD Simple Savings. On or about XX/XX/2020, I opened a checking account with a deposit of {$100.00}. I was given the account number and was waiting on a debit card so that I can transfer what was in the saving account and close it out. The next day the account was deleted. I called to find out what happened and they informed me that I had two accounts that were closed with a balance and that I should not have been able to open the savings. I asked for records of said accounts which I still do not have and they took my {$100.00}. I went into the bank today to ask for records and I was told that they could not give them to me. So I closed the account and they keep my {$100.00}. While in the bank today, they told me that there are three closed accounts.
Company Response:
State: CT
Zip: 06514
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A