Date Received: 2020-07-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was trying to pay off my target store card in full and each time I make a payment its gets put on hold for unknown days???!! And I called TD bank target to see why and they told me I made too many payments so I can avoid being charged a late fee and interests if they continue to do this I will closed my account and I also dont have time to be on the phone and have them call my bank and I never had any payment returned and I just want some peace and go about my day and being on the phone with TD target to get a payment clear is huge waste of my time and money .... its its weird that I havent gotten a credit line increase and Ive been getting a bogus response on that one to and that a problem
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/20, I made an ATM deposit at the TD Branch located at XXXX XXXX XXXX XXXX XXXX NY XXXX with two money orders each valued at {$990.00} for a total amount of {$1900.00}. On XX/XX/20, TD Bank deducted {$1900.00} from my checking account ending in XXXX when only {$200.00} from the original ATM deposit was made available. This caused an overdraft on the account due to insufficient funds. On XX/XX/20, an overdraft fee in the amount of {$35.00} was levied on the account. On XX/XX/20, I receive a letter stating that my ATM deposit was reduced to {$0.00} due to 'Illegiable money orders '. The letter states that this is to correct an error on my deposit. Unfortunately, the ATM scanner was not able to detect the ink on the money order as it was set to only read in the greyscale color scheme. I reached out to TD Bank via telephone, only to be told that this can only be solved at the branch where I deposited the money orders. The branch where I made the deposit is over 140 miles from my home of residence. I told them that a five hour round trip commute to resolve my missing deposit was unacceptable and that the branch was temporarily closed indefinitely at the time. I was told that an in branch visit is the only way to resolve this deposit error. On XX/XX/20, after multiple attempts to reach the XXXX XXXX branch, Mr XXXX reached out to me in an attempt to resolve the matter. Mr XXXX reviewed the deposit error correction document dated XX/XX/20 and repeated that a TD branch visit is my only choice in resolve this matter. On XX/XX/20, following the advice of Mr XXXX, I drove 40 minutes one way to the closest TD branch in XXXX, CT from my home of residence. The branch manager was not available so I left a copy of the ATM error correction letter to the teller. Mr XXXX, the branch manager reached out to me later that evening telling me that there is nothing he can do and that he will reach out to Mr XXXX to resolve this issue. Mr XXXX told me he will reply to me after a 48 hour turnaround. On XX/XX/20, after not hearing from Mr XXXX, I reached out via email for a status but received no reply. On the same day, Mr XXXX reached back stating that he is starting the resolution process by sending an inquiry to the ATM settlement group. On XX/XX/20, a maintenance fee was levied on my checking account due the ATM deposit removal and the overdraft fee reducing my balance to less than {$100.00}. On XX/XX/20, I reached out to Mr XXXX on the inquiry to the ATM settlement group. He stated that there has been no response and suggested that I reach out to the money order issuer to re-issue new money orders. I reached out to XXXX regarding new money orders, of which replacements would cost {$18.00} each and requires at least 7 business days of processing and another 3 days for mail delivery. I reached out to Mr XXXX regarding the cost of replacement on which he stated that proof of the replacements fees would be required as proof. I find that burdening me with the task to replace my own money orders to be an unacceptable resolution. It has been over 30 days since the ATM deposit and funds have still not been made available. I still have financial liabilities and obligations that is severely hindered by TD Bank 's inaction and lack of speed in resolving this matter.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Totaled a car in XXXX. Loan was paid by insurance company, the remainder of the balance to be paid by gap insurance company. Td auto refused to work with gap insurance company, taking months to mail documents, which to this day have not been mailed. Ive called and complained many many times and never received any mail or call backs. Td auto put on my credit report late payments and charge offs for the entire time they refused to work with the gap insurance company and will not return their calls or my calls. I want charge off and late payment off my credit report as the account is paid in full since XXXX of last year. After calling and being told Id receive call backs, Ive heard nothing as usual from td auto. They will not mail pay off letter even though Ive requested it 3 times. All customer notes in their system will show how many times Ive called them and begged for customer support to help and send over documents to gap insurance with no response. Last phone call I was hung up on after asking for a supervisor
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD BANK NA failed to correct the 30 days late showing in XX/XX/2016 in Acct XXXX Acct was never late, have always been in automatic payment.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased a lawn mower on XX/XX/2020 using a promotional offer for 0 % interest for 60 months. The purchase was completed and the merchant initially submitted the charges incorrectly. The charges were submitted and a promotional fee of {$120.00} was applied to the account. The merchant reversed the charges on XX/XX/2020 and submitted the correct purchase amount. The initial promotion fee was not reversed and a second promotional fee of {$120.00} was applied to the account. Customer service was contacted upon receipt of the first billing statement and I informed them that a duplicate promotional fee was applied without the first being removed. I have submitted disputes online using their online system and I have contacted the bank numerous times, sometimes with wait times in excess of 45 minutes. I advised them that until the charges were reversed I would not be submitting any payments on the account. I have now been charged with late fees for 4 months and I have requested in subsequent calls that both the late fees and the duplicate promotional fee be reversed at which time I will immediately bring the account current. Its is now XX/XX/2020 and none of the charges have been reversed despite numerous conversations with the creditors collections department. They continue to call to request payment and the dispute has been refiled on numerous occasions. This has now cause a significant impact to my credit and has caused me significant stress and a great deal of time addressing the issue. I have not been contacted by any representative who is authorized to make the necessary corrections despite numerous requests and I am still being assessed fees for non payment.
Company Response:
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I purchased a new phone on XX/XX/2020 through XXXX XXXX ( which goes through TD Retail Card Services ). I received and email welcoming me to XXXX XXXX. This is an excerpt from the third paragraph, " Once you receive your welcome kit in the mail, you will have everything you need to finish setting up your XXXX XXXX online account profile. '' I never received the welcome kit. I waited until XX/XX/XXXX, figuring it was just delayed due to the pandemic. On XX/XX/XXXX I called XXXX and they directed me to contact TD directly. I called and I never got an answer. So I went to their website and clicked the link for if you have trouble accessing your account ( XXXX ). I sent the Email that same day, XX/XX/XXXX, and I didn't receive a response. I called XXXX again on XX/XX/XXXX, again they directed me to contact TD directly. I spent an hour and a half on hold, and sent another email. I finally got a response. They asked for my first and last name, then my zip code. They said they were able to find the account then asked for permission to send me a passcode to the phone number on file. I received the passcode and replied within 1 minute ( I have the timestamps to prove it ). No response. On XX/XX/XXXX I sent them an email stating that I still didn't have access to my account and if I didn't receive a response I'd be contacting the credit bureau ( after further research I realized I needed to contact the CFPB ). I still did not receive a response. I'm trying to purchase a home and I don't know if or when they're going to send me to collections for non payment. I've acted on good faith messaging them, calling them, trying to get them on the phone. I do not have the time or energy to deal with them any longer. I need help.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX is the number that keeps calling me. They have called FIVE times in the past three days. The call is a robocall claiming to be TD Bank. I do not and have never had an account with them. I asked to be removed from the call list and she wanted me to give her the last four of my SSN and address. I absolutely did not and told her to remove me from their call list or I will be calling an attorney.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
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 writing to dispute and report Targets willful obstruction of process in resolving a fraudulently opened credit card along with charges on the fraudulent account in the amount of {$370.00}. I want to be clear, I am a victim of identity theft, and I did not open the fraudulent account, NOR did I make or authorize any subsequent charges. I have been in contact with Target and have been attempting to resolve this issue for 2 years with little to no cooperation on their behalf. As a result of their willful neglect, my credit score has suffered dramatically, I have wasted over 20+ hours in fruitless conversation with them, and have financially and personally suffered due to their corporate malpractice. The following is a timeline of events : In XX/XX/XXXX, I discovered a fraudulent purchase linked to a previously unknown credit card opened in my name. I attempted to rectify this fraudulent activity by contacting the credit card company that oversaw the credit card account. Please note that in the initial report on file with Target, they failed to find an address on file OR phone number related to me, indicating fraud. In a conversation with Target in XX/XX/XXXX, I was told by the company that they deemed the behavior on my account to be fraud, and were willing to remove the charges and close the account. In that time, I paid the company XXXX dollars that they 'needed ' from me to perform this action. At this time, they documented in their internal notes that the account was closed due to 'unsatisfactory service ' when in reality I called to report fraud and only fraud. Subsequent to our conversation, they failed to close the account, despite previously noting that activity on the account was fraudulent linked to me. Months later, upon seeing their failure to close the account and resolve the dispute ( a fact I only became aware of due to a decline in my credit score ) I filed a claim with the company. Despite their policy stating that I would be notified of their decision, the claim was ultimately denied and I was never notified. I was also not provided a reason for the claim denial. However, after seeing my credit score decline, yet again, due to a Target card charge, I reached out to them in XX/XX/XXXX requesting an audit form. The agent on the line notified me toward the end of the call that the form had been sent, when in reality nothing was ever delivered to my home or email. Instead, in mid-XXXX, I was delivered a letter informing me that the disputed charges had not been removed, but in fact, sent to a debt collection agency. They had passed this information to debt collection, without my knowledge, on XX/XX/XXXX. Upon receiving this news, I contacted target and was repeatedly hung up on and/or sent to a dead phone line rendering me incapable of contesting the reported charges. After calling into Target for a completely unrelated issue ( with hopes of being forwarded to the right department ), I got an agent on the line who refused to provide me with documentation related to fraudulent charges or generally respond to my questions about the account. They forwarded me to a phone line in their fraud division, where the call was eventually dropped. Since then, I have called target over 30 times attempting to get better information about the account and/or process, and in each instance I was told grossly inconsistent stories about the process being undertaken - often citing antiquated notes or failing to review the full history and subsequently providing me false information about next steps. On XX/XX/XXXX, I was finally emailed an audit form despite multiple requests for one in the past. This was only done while I requested that the agent remained on the line with me to confirm its arrival to my inbox. It took her 3 attempts. I submitted my audit form on XX/XX/XXXX over Fax and called to get a sense for the amount of time it will take for a resolution. They told me 2 days. I called them on XX/XX/XXXX looking for an update, and was told that an action has been taken on the account but that they will not tell me the outcome. Phone operators have also refused to provide me their full name and the name of the auditor conducting their investigation. I filed with the FTC this morning, and now I am now writing to you. In all of my conversations with Target, I was illegally denied/obstructed from access to the following documents : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses Names /point of contact / any resources related to dispute Any other documents associated with the account It is worth noting that some of these charges were made in-store, and should have physical evidence associated with them ( e.g. XXXX footage ), but given the amount of time they have allowed to pass since the initial contact, it is likely this evidence information has been destroyed. I have spent 2 years battling with them for minimal compliance by the CFPB guidelines, made over ( 50+ ) calls to resolve this issue, and have submitted absolutely every shred of documentation or evidence to exonerate myself that they requested with little-to-no response from them. My 5 voicemails left with the agent responsible for initially reviewing ( and denying my account ) were left unanswered, not a single person provided me with a full name or credible contact. The amount of times I was 'dropped ' or forwarded to a dead phone line is unreasonably high. Based on this repeat pattern of evasion, I have reason to believe that they are purposefully withholding information necessary to exonerate me of these fraudulent charges. I feel taken advantage of, and given their size and bureaucracy, powerless to remedy the situation. Because of their actions, I am now prohibited from the financial and personal choices that are rightfully available to me, solely due to their impropriety, which has directly impacted my credit score. I am desperately seeking your help.
Company Response:
State: CO
Zip: 80304
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Company Response:
State: CO
Zip: 80917
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A