Date Received: 2020-09-30
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: Target card I mailed my check to pay my bill. Target keeps calling me regarding this matter. I mailed my check with my bill. When they called me at XXXX on XX/XX/XXXX I told the person that I paid my bill that my bill was mailed. I also told her do not contact my phone number again. Then at XXXX XXXX on the XXXX target called me, then again at XXXX on the same day. I called in the afternoon and told him to not contact me. They are violating my rights as a consumer. That I told them the day before did not contact me and they continue to contact me. They violated my rights as a consumer
Company Response:
State: NJ
Zip: 08759
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited into my TD Bank checking account a check of XXXX dollars yesterday morning XX/XX/XXXX2020 around XXXX XXXX. It was a valid check from a known organization. The check was from XXXX. I did it using a teller. I did not deposit it from the ATM or from a mobile app. Today, I checked my account and I see that TD Bank placed that deposit on hold the description read " FM Deposit Hold-See SM ''. I called the bank and the rep said that it's standard practice that they place the deposit on hold for verification. I asked for how long and they said for 6 days! possibly. That got me very upset. I asked to speak to a manager, and I asked the manager why I was being targeted when I never bounced a check etc. She said that there was nothing she can do. I then asked who was responsible for this and she said that it was the fraud department. I asked if she can transfer me to them so I can ask them directly why I was targeted. I spoke to them and they said that there was nothing they could do about it!!! She also said to me that this was done for my protection! They are holding my funds from me for no good reason for my protection! So outrageous! Please note that this is the second time that TD bank has done this to me. Previously I deposited my paycheck ( a City of XXXX XXXX paycheck .... ). I used the ATM then. They placed a hold on it like this time and it took about ten days to clear. Their excuse then was that I used the ATM and they advised that next time I use the teller. Well, this time I made sure to use the Teller for my deposit and low and behold they targeted me again and placed my deposit on hold again. This is outrageous and completely inexcusable especially that there is no reason for this hold as there is no history of any bounced checks at all. And for them to tell me that there is nothing they can do about it is beyond wrong when they should have never placed my deposit on hold in the first place. Additionally, I have direct deposit set up for my account which is another security for them and another reason that they should never place my check on hold for no reason.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Had a vehicle loan with TD Auto, I refinanced my car with XXXX XXXX on XX/XX/2020. Prior to me refinancing my car I made a payment about a week before. XXXX XXXX got pay off, that included my payment because it didn't post yet. TD Auto stated my refund is {$400.00} TD Auto received payment in full from XXXX XXXX on XX/XX/2020. I've called several times in reference to my over payment. I still haven't received my refund. I sent an email and I called on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 - XXXX XXXX stated check is holding due to having GAP & service warranty it taking time. XX/XX/2020 - XXXX stated check was cut & sent to my address. Sending it be traced & escalated XXXX XXXX XXXX stated sending email to supervisor to call me. Stated call back @ XXXX next day if I don't get a call back XX/XX/2020 - XXXX transferred me to supervisor - on hold for 45 minutes, no one answered - she sent a supervisor a message to call me XX/XX/2020 XXXX XXXX stated reaching out to supervisor, should get a response in 5 days. XX/XX/2020 XXXX XXXX - on hold for 35 minutes then XXXX XXXX picked up - transferred me to supervisor. XXXX XXXX, supervisor - stated sending email directly to department. Will call once get a response from them. STILL WAITING ON A RESPONSE
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: There are late charges on my account. I want TD Auto to explain why they are on my account. I submitted a request for someone to look into this from customer support, but they have not resolved the problem. I have had many issues with my account when I log in online. My online version seems to freeze and does not allow me to access my statements and other features online. I believe there might have been a data breach. I paid the balance I owed for XXXX in full. Somehow I am already being charged a fee for XX/XX/2020, and it is not even late.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On our about XX/XX/2020 I paid off the balance of my auto loan with TD Auto Finance ( about {$13000.00}, payoff letter is included in attachments ). On XX/XX/2020 I received the payoff letter ( attached ). On XX/XX/2020 my automatic car loan payment set up through my checking account bank ( XXXX ) posted to my account ( I forgot to turn off the automatic payments!!! This payment is shown in the attached bank statement ). On or about XX/XX/2020 I called TD Auto Finance and was assured that TD Auto Finance would issue me a refund check. On or about XX/XX/2020 I called to check on the status of the refund check and was told that the payment never cleared XXXX it did XXXX. I called back the same day and gave TD Bank the transaction number from XXXX XXXX. I was then told that that information would be sent to their refund department for processing. I called back on or about XX/XX/2020 and was told that the refund check had been mailed on XXXX XXXX, 2020. I called back for status on XX/XX/2020 and was told their refund department was backed up and the check would be mailed on XXXX XXXX, 2020. Still having not received the refund check, I called TD Auto Finance on XX/XX/2020 and was told that the automatic payment never cleared ( it did and has never been refunded ). I acknowledge that it is my fault that I forgot to turn off my automatic payments, but why has it taken almost two months to get me my money back?? I have contacted a consumer protection lawyer and am preparing to file a lawsuit. This is my last ditch effort to get my {$500.00} back before the filing of the suit.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
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: Received a bill from Target Red Card XX/XX/XXXX. Was paid in full XX/XX/XXXX. Have confirmation number and name of person I spoke to. Target continues to bill for an account thats been paid.
Company Response:
State: VA
Zip: 22701
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Target has reported a fraudulently opened account on my credit ... It went to charge off and damaged my credit. Numerous attempts to request Target to validate this account went ignored, they have NOT provided in writing any copies of the original application or payments that they supposedly received on this account. I have been disputing this with them for 6+ months now only get ignored and finally I spoke with a person on XX/XX/XXXX, who offered me settlement on the account in lieu of deletion. Even though this was NOT my account I agree to pay so they could delete. After they received the payment they refuse to delete this account and this is hurting my report in great deal ... I provided to them all I could police report, copy of my ids and ss card so they could compare it to what they have and know it is identity theft. But they ignore, arrogant and negligent have NOT provided me any proof validating ownership of this account and only took money that did not belong to them ...
Company Response:
State: CA
Zip: 95138
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: See Complaint XXXX. Letter dated XX/XX/XXXX from XXXX XXXX stated " Bank will close the Account and submit the Discharge to the county clerk upon receipt of {$430.00}. '' On XX/XX/20 they cashed our check for that amount. I continue to receive collection calls.
Company Response:
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Nordstrom debt has been paid and company has provided a written letter saying that credit agencies would be notified. That action has not been taken and the company has not responded.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Im in debt consolidation program. One of the credit card companies is Nordstrom. Nordstrom has contacted my siblings, concerning my debt. I have never provided Nordstrom with my familys information. They are using third-party tactics to find my relatives. Im afraid they will call my job next.
Company Response:
State: VA
Zip: 23227
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A