Date Received: 2020-10-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: There were fraudulent charges posted to my credit card account. These were reported and disputed with the credit card company. Also a complaint was submitted with the Consumer Financial Protection Bureau. ( See complaint CFPB # XXXX XXXX. The dispute was found in the cardholders favor and the credit card company provided a credit for the fraudulent charges. We also were charged interest each month between the posting date ( s ) to current for these fraudulent charges as indicated below : Statement Date Interest Charge Amount Total Interest Charged To Date XX/XX/2020 {$18.00} {$18.00} XX/XX/2020 {$74.00} {$92.00} XX/XX/2020 {$93.00} {$180.00} XX/XX/2020 {$34.00} {$220.00} XX/XX/2020 {$32.00} {$250.00} XX/XX/2020 {$35.00} {$280.00} XX/XX/2020 {$35.00} {$320.00} XX/XX/2020 {$44.00} {$360.00} XX/XX/2020 {$42.00} {$410.00} To date the total amount of interest accrued because of these fraudulent charges = {$410.00}. We have on a number of occasions requested that all interest/fees associated with the fraudulent charges be credited to our account as outlined in the " Credit Card Agreement '' and our rights under the " Visa Zero Liability '' policy. ( See supporting documentation attached ) TD Card Services has failed to fulfill it's obligations under these rules. We demand and seek a complete refund/credit to our credit card account in the amount of all interest charges to date totaling {$410.00}
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020, I was shopping in XXXX XXXX. While I was shopping and looking at different products, I lost my wallet and car keys. I was in the store for over 3 hours looking at different products and designs. When I was about to leave, I noticed my keys and wallet were missing and I went to the front desk to see if anyone turned it in. Thankfully someone did turn in everything and I thought everything was good. A few days later, I noticed a charge on my debit card for {$840.00} that I didn't make. I can only assume someone made the purchase with my debit card while it was missing during that time frame. I disputed the charge with my bank ( TD Bank ) a few days after I noticed it, which was less than 10 days after the charge. Once they completed their so-called investigation, I was informed that an error did not occur and the dispute was invalid. The representative on the phone, told me that I can not speak to the dispute department and was only able to read me notes from the dispute department. The notes stated there was no other disputed charges after that the {$840.00} dispute and that I used the same card after that day for purchases that I made. I informed the rep on the phone that yes, I did use the card after because my wallet was returned to me with my card inside and I didn't know at the time, that someone has used my card while it was lost. The representative understood and then submitted a second dispute. The second dispute came back and stated the exact same findings as the first dispute. I told the representative on the phone, they need to do a better investigation other than just saying, that I used the card after the disputed charge and therefore the dispute is invalid. I informed the representative they need to contact XXXX XXXX for further investigation, and she told me the bank does not do that and I would need to do a police report for that and fax it in. The representative then filed a third dispute and would attach the police report to that dispute I filed the police report on XX/XX/2020 and fax the report to the bank as instructed to do. On XX/XX/2020, I noticed the bank had took away the temporary credit for the dispute once again. I called the bank the same day and spoke to a Supervisor, who told me there is nothing they can do about it and I need to maybe contact XXXX XXXX to see if they have video footage. I have been dealing with this for over four months now.
Company Response:
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As stated before and also acknowledged with the XXXX department that I was a victim of identity theft and my card was compromised back in then months of XXXX till XXXX and I was in a hectic phase with my car and everything being stolen and the target TD bank card which this report is compromised of, so kindly it shows close don my report and I want it removed as im a struggling college student and due that incident and now incorrect information on report it is a big hassle during this virus and challenging times for me to qualify for housing as I dont owe anything and also need my card back as it was stolen. Thanks and kindly remove this
Company Response:
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: hi i made a payment on my td credit card and for some reason td didnt register it. because of this td sent to the credit bureaus ' that there was a missed payment. this is not true. when i reached out to td they agreed to waive the late fees but were not willing to help regarding the incorrect missed payment
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I apply for credit to buy-new tv on line whit XXXX electronics on XX/XX/XXXX. I received my tv after abat a week at my address the company that finance my tv was TD bank I call to set up a automatically payment from my bank account and for some reason they put wrong bank account information. After 2 months that I dont see any transaction for that account I set up payments whit my bank to have my bank send the payment to TD bank but by then TD bank was generated late fees because the wrong information.after that I decided to close my account and pay off my balance, but I still have a problem whit them and I still receiving letters about the account that they have on file. I call this number XXXX XXXX and they put me on hold for hours total balace was {$670.00} my bank send 4 payments of {$40.00} and 1 of {$520.00} total {$680.00} and I still receiving bills to my address for unpaid balance. Thanks very much in advance for your help
Company Response:
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The last payment made in full was made to target and due to a problem with our bank and Target receiving the payment although it was on time their processing center was closed. When they did open up the payment was then considered late by Target. On three occasions I negotiated a settlement only to be later denied. The last time was when they told me to get a letter from my bank explaining the situation they would remove the late charge only to be denied once they received the letter. Please review Targets tapes they have on all our conversations back and forth. How do they continue to assess late charges and interest on a closed account. Is this not illegal? Although this is my account my husband was added. This account was issued in my name and based on my credit was issued. It should be not be allowed to be reported on my Husbands name.
Company Response:
State: WA
Zip: 98225
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2020, I contacted Target XXXX XXXX to make a payment. I set up what I thought was a automatic payments on my target card, because due to COVID-19 it was difficult to go into the store to make payments. In XXXX, I went to use my Target card, but the card was declined, which I thought was strange since I rarely used the card. I contacted Target XXXX XXXX, the employee advised me that my card was declined due to late payments. I explained to her that in XXXX I set up automatic payment, so there had to be a mistake. The employee I spoke to said the reoccurring payment was only for one payment. I advised her that when I set the automatic payment, that this was not explained to me, and made no sense. I advised her this appeared to be deceitful actions by the card service, because the wording describes automatic payments, and I was not told but the first employee that the payment was a one time payment that would be automatically taken out. The employee I spoke to said that shouldve been explained to me and that she would remove any late fees XXXX XXXX, XXXX, and XXXX ) or reports to the credit bureau, due to the one time payment plan not being explained to me correctly. I then paid my XXXX bill with the employee, to avoid any further problems. On XX/XX/2020, I was notified by my financial expert, that there was a 30 day late reported to credit bureaus for XXXX. I checked my life lock account, and it showed no late charges for XXXX or XXXX, but it appeared the employee did not remove the late fee for XXXX. I immediately contacted Target Card Services, because the employee I spoke to in XXXX advised she was going to remove all late fees. I spoke with the employee/supervisor XXXX, and she said she could not remove the reported 30 day late report, even if it was there fault. I explained to her that I was told months ago it would be removed from my account, and she said there was nothing she could do on her end. I advised her the reason the payments were not made, because I was under the assumption they were being withdrawn automatically, which she said she understood, but she again said she could do nothing. I asked to speak with a manager and she advised me that they were out to lunch. This is my second attempt with submitting a claim against Target Card Services, I believe they are being unfair, and they should take some responsibilities, especially since the payment method was not explained to me correctly and second the employee did remove two of three 30 day late fees, which at the time I made my payment in XXXX, it was not 30 days past. I would like for Target to do what is right and remove the 3rd late fee and send me a letter stating they would. This incident is potentially costing my thousands of dollars, and is catastrophic to my credit score, which I have worked hard to improve, especially during these financially tough times. I would hope CFPB could do a three-way phone call with myself and Target Card Services, so that I can explain to them this issue and what financial burden it is causing me. Thank you for your time.
Company Response:
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The company finally contacted me after numerous phone calls, request for contact on their site, email to the company, XXXX complaint, and finally a complaint submitted to CFPB. I want a payment applied to a specific line on my account. I traded in a phone to XXXX which was financed using XXXX finance. They are refusing to apply a payment to the line of the phone I traded in because I have a line in which is deferred interest rather than waived interest, claiming it is in my best interest to apply the payment to the deferred interest line first. However, the deferred interest credit line does not come due until XX/XX/XXXX, of XXXX, and has a balance of only {$720.00}. If I wanted to I could make that payment today. In reality, I didn't need to finance that purchase in the first place but at 0 % for 2 years why wouldn't I so I can keep my own money in the bank accruing interest for me. Additionally, we traded in my girlfriends phone back in XXXX and a supervisor at that time applied an additional payment to the line it was financed on rather than the deferred interest line and stated as a supervisor she could but a regular customer service agent could not. I have statements showing the payment was applied to the waived interest line rather than the deferred interest line. The lady I talked to even saw them but claimed the last supervisor was not supposed to do it. My XX/XX/XXXX statement is attached showing two payments on page 3, one for {$130.00} and one for {$53.00} going to credit lines XXXX and XXXX respectively, which as shown on page 1 of the XX/XX/XXXX statement also attached were waived interest lines. The lady refused to connect me to a supervisor stating she was a supervisor and her supervisor does not take phone calls. I then told her to have him/her call me to which she replied they don't make phone calls. So, they are forcing me to continue paying for a phone I no longer own because they refuse to apply MY money to MY account in the manner in which I want. This is absolutely asinine. I will make $ XXXX this year and hardly need these XXXX to tell me what is in my best interest financially. I am seriously considering contacting a lawyer.
Company Response:
State: NE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a checking account with TD Bank. On XX/XX/20 I was charged in XXXX with several unauthorized transactions. The amounts were {$400.00}, {$390.00}, {$350.00} and {$840.00}. The company that charged me these amounts was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As you can see this company is a food company. How am I going to buy all this food in one day? I filed a dispute with TD Bank and they said that these charges were valid. I refused to pay these amounts because they used the information of my debit card to rob me. XXXX XXXX
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened checking account with TD Bank in XX/XX/2020. There was a cash bonus offer in the amount of XXXX. I needed to get a direct deposit of XXXX into the account. The first qualifying direct deposit in the amount of XXXX went in on XX/XX/2020 within a few weeks from the account opening. The offer I listed below. I contacted td four separate times to inquire. Two separate reps stated that I should receive the bonus soon or sometime around 180 days from account opening. I received an email response on XX/XX/2020 stating bonuses are paid 140 days from account opening ; however, it was a generic email. I called today and the rep, XXXX, stated that I was not eligible for the bonus. I explained the scenario and she said she didn't see any notes from the previous reps and that their bonus offers expired in XXXX. Perhaps one of their standard bonus offers expired but I submitted mine through an online affiliate site which routes you td 's site and provides all of the bonus information. XXXX XXXX XXXX XXXX XXXX TD " Affiliate '' Checking account offer from " TD Convenience CheckingSM New customers can earn {$150.00} Get direct deposits of {$500.00} or more within 60 days of opening your account to earn {$150.00} Everyday banking perks with low minimum daily balance requirement Monthly maintenance fee waived when you maintain a {$100.00} minimum daily balance. If you're ages XXXX XXXX, no monthly maintenance fee and no minimum daily balance requirement.4 View account guide '' https : //www.td.com/us/en/personal-banking/checking-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A