Date Received: 2020-08-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Target 's store Red Card is reporting that my bank account has an " invalid '' Routing Number. When I called in to support they said they don't let you pay with " Online Bank Accounts ''. I have no had issues paying with XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX, and there is no difference between those and the XXXX XXXX XXXX XXXX and should not be a way for them to XXXX customers who are just trying to pay their bills with US Dollar tender in a valid US bank.
Company Response:
State: IL
Zip: 61761
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: ON XX/XX/2020 XXXX XXXX XXXX SHOWED PAID.ON XX/XX/2020 IT WAS REVERSED.CAUSING A PROBLEM WITH XXXX XXXX XXXX.I WAS UNAWARE OF THIS CHANGE.DID NOT GET ANY NOTIFICATION FROM T D BANK.ALONG WITH OTHER OVER DRAFT CHARGES MADE IT IMPOSSIBILE TO PAY MY BILLS.I ASKED TO SPEAK TO A MANAGER AT THE BANK SPOKE TO A MANAGER AND WAS TOLD NOTHING COULD BE DONE.I CONTACTED T D BANK SUPERVISOR XXXX.EXPLAINED MY SITUATION WAS TOLD NOTHING COULD BE DONE.BASED ON REFUNDS GIVEN EARLIER REFUNDS HAD REACHED THERE LIMITS.IN THE MEANTIME I FELT MY CONCERNS FELL ON DEAF EARS.WHY WOULD A PAYMENT SHOWED PAID ON 1 DAY AND THE NEXT DAY NOT PAID.BECAUSE OF THIS I HAVE SERIOUS PROBLEMS.
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2020 I opened a TD checking account with a promotional offer of {$300.00}. I completed the requirements on XX/XX/2020 as shown on my statement. TD Bank is refusing to honor the bonus due to the fact that my account was opened when the promotion wasn't active. This is completely false. I have attached the promotional terms on the day I opened the account showing the offer expires on XX/XX/2020. The offer is still active now at https : //checkingbonus.tdbank.com. I also attached messages showing my attempt to resolve with TD where they made their claims.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is regarding our Target credit card we paid the balance in full on XX/XX/2019 normally this is done through our bill payer account but due to a soft safe update we had to use our debit card issued by our bank to make the payment. Did to the change in payment it got to XXXX late Friday night after business hours after they were closed. Technically our payment would not be late till XX/XX/XXXX but since that was a Sunday they claim they did not receive it until Monday the XXXX making it late. Normally they would have received this payment well before the XXXX well before the cut off date of our bank wasn't going through a software upgrade. After explaining this we initially offered to pay the {$28.00} dollar charge to have it go away. The XXXX said if we would get a letter from our bank they were sure they would reverse the late charge. Reviewing the left not only did they decline our request XXXX just keep adding interest and late charges to the original late charge balance to where the XXXX credit balance is {$340.00}. All from a XXXX dollar late charge. The account was closed and that is when Target got real nasty in resolving this issue. You can go to XXXX and get the multiple phone conversation to back up our allegations as all phone conversation are recorded.
Company Response:
State: WA
Zip: 98225
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Transaction Date : XX/XX/2020 Merchant : XXXX XXXX City/St : XXXX XXXX, SC Category : Household Transaction Type : Regular Sales Draft Original Amount : {$500.00} This transaction was fraudulent and the way their alert system works unlike all of my other credit cards you don't get a text of the transaction until it post All my other cards are getting alert the minute the card is used so when I file a fraudulent claim they put the money back on my card for a couple of months then they denied the claim saying that the person used chip and pin technology so they denied the claim because I allowed someone to use my card to make this purchase I since then have filed an appeal and have attached the letter I sent them for the appealon XX/XX/2020 it's been almost 60 days and I've heard nothing from them. The card was used by a person that I had allowed to use the card in XXXX they had the card for 2 days and returned the card to me and their terms of service it says if I give someone the card I'm responsible and liable for any charges they put on the card until which time I retain the card from the person since then it looks like their terms of service have changed as far as fraudulent claims and the whole point is even if it's my responsibility they refuse to give me a copy of the transaction receipt showing that my card was present because I promise it was not and I have adamantly told them there's no doubt in my mind that my card was not you present during this transaction and I can prove it this person I believe that used the card she pretty much has admitted to it when I spoke with her in a text I can't even file charges against her because Target will not provide me with the information I need to take out of warrant I made a police report the detective wouldn't even follow up on it without me getting The information. Originally when I call a customer service and reported the fraudulent transaction immediately after I received alert that it had posted to my account the lady at customer service asked me have do you have a wallet do you use the target wallet I told her no I didn't know they had a wallet I thought she was talking about a XXXX wallet or something like that and she explained to me that they had a wallet and she said that The target wallet app was used to make the purchase. In my account online I can see the transaction and what was purchased but it doesn't give me the details like a purchase receipt would such as how it was paid for the time of the date and that information All I can get is a gift receipt which wouldn't show all that so when I asked customer service they said for some reason it's not available this is after I filed the claim I asked the woman who signatures on the paper that denied the claim about a copy of a receipt so I could pursue charges she told me I was not allowed to get that my comment to her was how am I supposed to get my money try to get my money and be responsible for this charge when I can't even get a copy of the receipt she told me only the police can do that and the police will not allow me to take a warrant if without a receipt or some sort of evidence I wrote all this in a letter and she said that I had to send the appeal letter to her which I didn't didn't seem right that she would be the one to get the letter for the appeal and the decision that she had made. It seems that they were trying to hide something to keep from paying the claim because I met all of the terms requiring me to retain the card from anyone that I gave it to and I did she's had the card for two days in XXXX during that time she made a purchase I allowed her to make on my card she was not a girlfriend she was someone who needs some help to get some clothes so she can get a job so I helped her out she never paid me back All that's beside the point because I retained my card she apparently kept my card number and either use the wallet app like I suspect or she bought it online and used the credit card number with pin and then picked it up at the store and I feel this is the reason that they would not give me a copy of the purchase receipt because it proves that she didn't have the card. They had put the charge back on my account in XXXX without warning causing my account to be over the credit limit it was 10 days later before I received the letter saying that the claim was denied and that they charged my account back as soon as I found out I paid the balance down below to get below the limit to get below my limit I left four messages for the lady 's name that was on the letter. In the meantime I had made four or five calls to customer service speaking to the same woman two of those times who told me the entirely different process that made no sense that I had to appeal it and she gave me some address somewhere else both times I was driving and I wasn't able to write the address down And then finally after I left the detailed message for the lady who had signed the letter call me back and insisted that the pin and chip technology was used card present I assured her it was not and assured her that I could prove that it was not I have three witnesses who want a fishing trip with me during this time during the time of the transaction during the time of the posted of the transaction over a four-day period and they know I had my card in my pocket cuz when I got the alert I was angry about it and pulled the card out of my wallet right then The only card I've ever been issued was she refused to listen and told me to file an appeal and send her the pill letter and that's what I did I have a copy of that letter which I'm going to attach I don't have a purchase receipt or any of the other stuff cuz they won't give it to me.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
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: I am not certify the way that big company came out with there final results the why 1.It is true that the Address, Id, phone number, is main but during the process of me to get the TD BANK/TARGET CREDIT the company have to call the number and make sure that their are issuing the credit card to the right person if you make a call I will answer the call since I am holding my cell phone at hand right in-front of you or I may answer you from far away since I am not the right person .did you do that? 2. Try to check my credit payments 3. I have never ever used store credit card except XXXX credit card 4.Also I want to know how many times I used the credit card for purchases 5. How long do I pay the the card.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
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: I have a loan with XXXX/XXXX, XXXX XXXX, and NORDSTROM/TD BANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and XXXX/XXXX, XXXX XXXX, and NORDSTROM/TD BANK with no successful resolution. There was definitely an error on their part.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Target is reporting inaccurate information on my credit with all credit bureaus. It is listing outdated information from 2014. Per FCRA and Per Arizona law information that is 6 years or older is to be removed from a consumers credit report. Target is violating my rights.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened an account with TD Bank in XX/XX/XXXX. I thought I signed up for their auto bill pay in XX/XX/XXXX, I was wrong and accrued late payments until XXXX which I paid. At this point, I requested to be put on Auto Bill pay over the phone. Apparently I was not put on auto bill pay and continued to accrue late fees and missed payments. I called TD Bank to ask why I was not enrolled, the customer service representative could not answer my question and suggested I speak to a supervisor. I agreed and was waiting for a call within 24-48 hours. I never received a call. When calling back, I asked to speak to a manager on duty and according to the rep, there wasn't one. I was told to wait 24-48 hours again and once again, no call. I attempted this a third time with no luck. I filed a dispute with XXXX but was not able to reverse the late payments due to " lack of evidence ''. They recommended I try contacting TD Bank again. I received a call from a collections agency on XX/XX/XXXX saying my account has been charged off. TD Bank has been unresponsive and uncooperative with my account.
Company Response:
State: AZ
Zip: 85233
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
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: I have a loan with TD AUTO FINANCE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and TD AUTO FINANCE with no successful resolution. There was definitely an error on their part.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A