Date Received: 2020-09-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased a mower on my XXXX XXXXt credit card on XXXX XXXX for {$3500.00} with deferred interest for 24 months. My first payment of {$140.00} was due on XXXX XXXX. I paid {$140.00} on XXXX XXXX. I mistakingly under paid by {$1.00} and paid another {$5.00} on XXXX XXXX. On the next month statement it reflected a {$27.00} late payment fee. Numerous calls to the customer support center were made without being able to speak to a real person, in excess of 1 hour wait times. I paid another {$150.00} on XX/XX/2020 ( due XX/XX/2020 ). Because I only paid my regular monthly payment and not the {$27.00} late charge I was assessed another {$38.00} late fee. Additional calls to the support center were not answered. I engaged the on line service who said they would waive the {$38.00} late fee if I made an immediate payment on XXXX XXXX in the amount of {$200.00}. I paid this well in advance of my regular scheduled date of XXXX XXXX. The {$38.00} fee was reversed but not the {$27.00}. Additional numerous calls to help center have not been answered even though I have waited on the phone for 1 1/2 hours on hold. The online assistance will not reply to my latest request to have the Original late fee reversed. I believe this is financial abuse by the company and their inadequate customer service makes resolution impossible.
Company Response:
State: PA
Zip: 177XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: GOOD AFTERNOON/ HAPPY FRIDAY! - I was shocked when I reviewed my credit report again during COVID-19 and found late payment on XXXX AND XX/XX/2018, plus your reporting wrong balance as current, where i was told that it would be deferred and put in the back of the loan : I am not sure how this happened, but i also checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. Also, this account continues to report incomplete information, such as wrong balance, different late remarks on different bureaus, not the same month, inconsistent payment history, etc. This can not be accurate and I really don't want to waste any time going back and forth. This account is unverifiable and wants it deleted from my credit report.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
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: Order XXXX was placed and billed to my target credit card on XX/XX/2020. Target shipped the goods 11 days later on two separate tracking number. Tracking XXXX was refused and returned to XXXX. Til date I have not received XXXX for the returned item that was never received. I've called several times and was transferred numerous times. No goods or funds. I desire a refund of {$300.00}
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We have a mortgage loan with TD Bank. In XXXX, when we suspected that my husband would be furloughed due to Covid, I called to see what our options were. I was told that TD had a Disaster Relief program and that we would be granted a 2 month EXTENSION on our loan. They would simply let us skip two months of payments and we would pick up where we left off with no negative credit effects and no future help being effected. We were supposed to received paperworkin the mail within a week. When we didn't, i called back. I was assured that we were on the list but it was taking time to get the paperwork out. I was told again that it was an extension, but that it was actually 3 months, not 2. When we still did not received paperwork, I called back. My XXXX payment was almost due and I didn't want to not pay and find out that i should have. I was assured by a 3rd person that everythign I was told was true, that it was ok to not pay in XXXX and that we were on the list and paperwork would arrive shortly. So I didn't pay in XXXX. At the end of XXXX, we recieved our paperwork. However, the paperwork said that we had been signed up for a forebearance, not an extension. We called and we were told that they had " changed their minds '' and that " I guess I didn't communicate that information to my team '', We requested a call from a supervisor to discuss our options because we did not wish to be part of the forebearance. I'm told that there is a note in the system that they tried to call but there was no answer and they could not leave a voicemail. I guess they only call once and that's it. Even after repeated calls, no email or letter to say that they did try to contact us and were unable. We made our XXXX and XXXX payments at the beginning of XXXX and have paid each month since. My husband and I both called multiple times. Each time we were told that our case had been escalated and we would receive a call in 24-48 hours. I began giving them my cell phone number as well. We did receive a letter in the mail saying that since we had not opted out, we have already been extended for an additional 3 months.I spoke to one gentleman and he said that he could cancel the forebearance and apply our payments where they should go but we would get a late payment for XXXX and a hit to our credit score. I told him that was unacceptable becuase we were not given the correct into. told him that when he emailed his supervisors he should let them know I was very unhappy with being ignored and the horrible customer service. He emailed them and CC 'd their boss. No call. And the customer service reps just keep saying " Its not hurting you, it's just added protection. '' Well now I want nothing to do with TD and I want to take advantage of lower rates, so I'm trying to get a home equity loan. And guess what??? My mortgage shows it's in a forebearance. so It is in fact hurting me. I called again last Thursday. No return call. I emailed last night. No response. I called this morning and said if I do not receive a call today, I will file a complaint and call a lawyer. No call. All I want is the forebearance removed with no late payment for XXXX and no negative mark on my credit. Thsi could be corrected in 5 minutes, I'm quite sure. Instead, after 5 months, I'm still trying to fix somehting that was not my fault and I'm forced to take action.
Company Response:
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or about XXXX XXXX my replacement Target credit card was stolen while being sent to me. They stole parts of my identity to change pin # and stole from Target and many banks. Target denied my claim XX/XX/2020. I sent an appeal letter along with the police report XX/XX/2020. I called Target today XX/XX/2020 to talk to a fraud supervisor and all I get is the run around.
Company Response:
State: IL
Zip: 60090
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have a credit account with XXXX XXXX through TD Bank. Im trying to make a purchase however TD Bank is telling them I am ineligible due to my account status. I have paid them on time and ahead of time. Ive attempted to contact XXXX and TD bank. On XX/XX/14 I spent 3 hours on hold with TD Bank and never got anyone to answer the phone. I have loaded a screenshot of the call time. The number Ive tried calling is XXXX. I even called at the time their call center opened and was on hold for 30 minutes without an answer.
Company Response:
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Good Morning and hope you're doing well during Covid19 ... ..I was shocked when I reviewed my credit report and found late payment on the dates on XX/XX/2020 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is not a duplicate complaint. The following amount was not included in the previous complaint I used XXXX to book a vacation. The first payment was taken in the amount of XXXX on XX/XX/XXXX. On XX/XX/XXXX due to Coronavirus ( COVID-19 ) threat XXXX cancelled my trip, and advised that i will need to speak to my debit card 's issuing bank for your options as a cardholder. I did as advised to no positive conclusion. My card issuing bank just keeps telling me to resolve the matter directly with the merchant. The following statement directly from the merchant Please note : BookIt.com paused operations on XX/XX/XXXX as this crisis was unfolding. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder. I've submitted the cancellation letter provided to me by the merchant, I've also submitted the flight and hotel information, to help with a positive outcome. Again they denied my claim. Several people that had used the same merchant disputed successfully with their credit card bank and recieved their money back. This situation is going on since the end of XX/XX/XXXX.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I was charged an unexpected XXXX $ fee due to TD Bank 's misleading. On XX/XX/XXXX, Monday, I called TD bank to see how can I pay my college tuition to a XXXX university ( University XXXX XXXX ) with my American bank account. The amount is XXXX $ and an additional 1.75 % convenience fee which was XXXX $ ( in total XXXX $ ). Meanwhile, I also had the bank wire transfer information on my hand and asked if I could do a bank wire transfer online considering the pandemic. I was suggested that No you have to do bank wire transfer in person and bank wire transfer would cause a fee ( XXXX $ ) and you would want to do it with your card to avoid this fee. Thus, I used the debit card and paid this fee online. During my previous calls with TD bank ( on XX/XX/XXXX and XXXX ), I also inquired if there would be other fees despite the tuition and the convenience fee. All customer service staff I talked to were not aware of the international transaction fee. However, after a few days, I found I was charged XXXX $ and XXXX $ international transaction fee by TD BANK. I was misled to pay XXXX $ to avoid the XXXX $ wire transfer fee. I felt shocked and called TD bank immediately and illustrated my situation to the customer service staff. He contacted his supervisor. they just kept saying sorry for my loss and they would educate their employee and asked when did I call. However, they told me they didnt have the authorization to refund these two international transaction fees. On XX/XX/XXXX, I went to the local branch of TD BANK ( XXXX XXXX XXXX, XXXX, MAXXXX ) and made a complaint about this issue. The local assistant managers XXXX and XXXX were responsive and told me they would have to ask their supervisor and gave me feedback on the next day around XXXX. They were not familiar with this fee, neither. On XX/XX/XXXX, I didnt receive any call thus I called the bank. XXXX told me they would need to do an investigation and asked when did I call. I replied. However, I didnt receive any call after that. I called on XX/XX/XXXX and XXXX and be told it was still under an investigation. On XX/XX/XXXX, I found I was charged a XXXX $ maintenance fee because I failed to keep a minimum daily balance ( and it was because I was charged the international fees ). Now, it has been another whole week but I still did not hear anything from TD Bank. Thus, I would want to ask help from you to see if you can contact somebody in the bank who would have the authorization to compensate for my loss.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Problem with customer service
Subissue:
Consumer Complaint: I have a small business account with TD bank, NA as of XX/XX/XXXX. I went to the XXXX XXXX XXXX XXXX NY XXXX, branch to obtain 2 certified checks.The TD Bank Teller ( XXXX XXXX ) and Assistant Manager ( XXXX XXXX ) refused to allow me to take money out of my business account and disburse two cashiers checks. Refusing to accept my current state ( EXP.XX/XX/XXXX) issued NY drivers ID and setting a higher standard for confirming identify by requesting I provide a passport and social security card. No effort was made to verify that I was a signatory on the account, EIN, location of business, last deposit amount or total of monies in the account. They profiled/using bias/racism against me and refused me service and access to my small business account. As a XXXX owned business I took offense at the TD reps conduct where they claimed they did not care if I had an account or withdrew my money to close the account. I had to leave the business without obtaining the service I was guaranteed as a customer of TD Bank. I contacted my business relationship manager afterward and he confirmed only by a state issued driver license was needed for the transaction.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A