Date Received: 2020-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Target has it listed for two late payments in XXXX and XX/XX/2016. Since XX/XX/2016, I have not missed or have a late payment. This is still on my credit and has been resolved over 3 1/2 years ago. This account is still open and in good standings.
Company Response:
State: TN
Zip: 38122
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received funds from the SBA on XX/XX/XXXX for an approved, executed and funded EIDL loan. The funds were placed into my checking account at TD Bank. On Saturday XX/XX/XXXX I discovered my checking account and bank card was blocked/frozen. I called the bank and was referred to the " Fraud Dept '' which did not answer the phone on Sat XX/XX/XXXX nor today Sunday XX/XX/XXXX. I was also told to visit a branch which I attempted to do. The branches are closed and accessible by " Appointment Only '' yet yesterday despite numerous calls to multiple branches, NO-ONE picked up the phone.
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I discovered in XXXX of XXXX that I was being charged late fees by TD Bank Retail Card Services for my XXXX XXXX account for not paying my bill on time. I discovered upon looking at my personal bank account that although the payment completely cleared my bank account on time as a scheduled electronic payment, TD Bank was not applying my payment to my account with them until 2 to 5 calendar days after the payment fully cleared my personal bank account. According to TD Bank, my payments are due on the XXXX of every month, all of my payments were completely cleared from my account on or before the XXXX of the month. I also discovered that between XXXX and XXXX of XXXX I had overpaid my bill by making at least double payments by over {$130.00} dollars, but was still charged a late fee in XXXX. I have continued to pay double the minimum payment throughout XXXX in order to pay my bill down faster, but that has been eaten up by late fees instead. These details are as follows : XXXX 's payment fully cleared my bank account on Friday, XX/XX/XXXX, TD Bank did not post it to my account until Wednesday, XX/XX/XXXX 5 days later, causing me a late fee of {$38.00}. XXXX 's payment fully cleared my bank account on Monday, XX/XX/XXXX TD Bank did not post it to my account until Wednesday, XX/XX/XXXX, 2 days later, causing me a late fee of {$38.00}. XXXX 's payment fully cleared my bank account on Wednesday, XX/XX/XXXX, TD Bank did not post it to my account until Friday, XX/XX/XXXX, 2 days later, causing me a late fee of {$38.00}. XXXX 's payment fully cleared my bank account on Thursday, XX/XX/XXXX, TD Bank did not post it to my account until Monday, XX/XX/XXXX, 4 days later, causing me a late fee of {$38.00}. I have submitted these details to their payment verification team, but have not heard back, or received a confirmation that my message was received.
Company Response:
State: IA
Zip: 50315
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I reported card lost slash stolen sa month or to ago. Fir charges. Made on a store card of XXXX at XXXX store I have no knowledge of nor have I ever been to nor do I have that kind of money to m I completed firm in and it was returned on time to Target fraud division and told my case was good. However they have overturned there decididion and are claiming I am liable because a pin was used at register etc. Again I asked them if they needed my I'd and we're interested in pulling video at the consumer location to prove I dud not make purchases they mentinod they will look into it. I was harrased by the fraud investigator asking me if that was my real name real phone number real age.
Company Response:
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I made an order with Raymour & Flanigan on XX/XX/XXXX. The order contained a couch, love seat, club chair, ottoman, coffee table and two end tables. I was given credit from Raymour & Flanigan for this purchase. When initially making the order, the sales woman informed me that they would be " flexible '' with the delivery time window and that it could be changed after I placed the order. Of course, the day prior to delivery I called and they informed me that there was no flexibility. This was a difficult hurdle, as I was closing my house on the following afternoon and now had to figure out how to receive the delivery properly. Regardless, the coffee table and end tables were not delivered. I have attempted to call Raymour & Flanigan more than 10 times, and every time I call them they route me through a number of prompts, then throw me into a voicemail which they NEVER return. I have attempted to email them and have received no response. I have attempted to chat them and have received no response. On XX/XX/XXXX and on XX/XX/XXXX, I attempted to call them again and used different prompts. The system informed me that my wait time was 1 minute. After waiting on hold for 20 minutes, the system then told me that this was a non-working number. In the same breath, they have put credit against my name and I have no way of accessing the credit to pay my bill. When I login to their website, it says that I have no order history. Now, my entire credit score is in the hands of Raymour & Flanigan and their blatant incompetence and horrid customer service. I have an 800+ credit score, and to even SPEAK to someone I have to file a CFPB complaint - absolutely ridiculous. This company should be shutdown for their abuse of customer 's credit livelihood and complete disregard for their customers after making the sale.
Company Response:
State: NJ
Zip: 084XX
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Problem when making payments
Subissue:
Consumer Complaint: I made a payment to TD Bank on XX/XX/2020 over the phone for my Mor Furniture account. I used my XXXX XXXX account information that I have been using for 7 years without any problems. A couple of weeks later I get a letter saying my payment was returned so I call to find out why. Over the phone on XX/XX/2020 I was told my account information was wrong or my bank may have refused the payment which made no since to me because it has been the same for 7 years. They told me to call XXXX XXXX to find out why. That day I paid the remaining balance off using my XXXX XXXX account because I didnt want to be past due again and I had the money to pay it off. On XX/XX/2020 I called back because my credit report was saying my account was delinquent and it dropped my credit to XXXX when it was just XXXX I asked them to fix this because I gave them the correct information on XX/XX/2020 I asked them to look into it also because I talked to my bank XXXX XXXX to make sure I gave them the correct information and that they didnt refuse or reject any payments on or around that date, XXXX XXXX said they hadnt. TD Bank said they looked into it and I must have given them the wrong information or something because they did everything correct and payment was returned due incorrect account information. I asked them to verify what information I gave them and checked my bank account with XXXX XXXX, the account information matched so I asked them to continue to look into it and I would do the same. On XX/XX/2020 I asked them for all payment information including a trace or confirmation number they got from using their ACH payment system that XXXX XXXX told me and XXXX representatives told me to ask for because if I had that information, that TD Bank should have, then XXXX XXXX could check the ACH system to see why the payment didnt go through. TD Bank told me they dont have any kind of trace or confirmation number for that payment excerpt an internal company one, so I asked for that they told me they couldnt find it. They also told me they dont have any papers they can send me to make sure the representative on the phone didnt make a mistake. I offered to give them my band statement and a letter from XXXX XXXX proving the information I gave was correct they said theres nothing they can do and it wouldnt change anything. I also asked them to pull the call from that day to make sure the representative or I didnt make a mistake or to check their system to see if something was wrong with it that day or something wrong with the way the information was put in but their telling me they cant even access that information they just have a return notice saying my account information is wrong. But my bank XXXX XXXX is telling me its not and its probably something they did on their end and I would really like to get to the bottom of this so I can fix my credit and make sure it never happens again. I have never had a late payment or delinquent account and would like it removed from my credit report immediately especially since they cant even give me proof they submitted my payment correctly.
Company Response:
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TDRetail Credit XXXX.-XX/XX/2020 Checked my credit report and my score dropped by 95 pts. I investigated and learned that XXXX reported a missed payments for 90 days. I assumed I was in the COVID 19 act and delayed my payments. When I called XXXX they informed me that I needed to register for program. That was the first I learned of this. I never received a bill or notice of late payment, in the 90 days I told XXXX I would pay my bill but they refused to cooperate and would not remove the report to the credit bureau.
Company Response:
State: CO
Zip: 80226
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was scammed by a person who offered to rent me a house in PA after my posting on FB, and after I transferred money on XXXX, the person disappeared. They sent me an invoice for my payment, but never provided me with the exact address for the place and ceased all the communications with me. I paid {$1000.00} and have a proof of the payment and that person never provided the location of the property. I contacted TD bank to get the money back since they have the transaction recorded, but they did not help. Trace number of the transaction is XXXX from TD bank to the XXXX XXXX. If TD bank has XXXX XXXX, there needs to be a consumer protection in place. I only did the transaction knowing
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ever since TD went to an automated system regarding suspicious transactions, I have had countless, countless times my card has been blocked during overseas travel. Even though I have been in XXXX for 2 years now, they block it about every two months for " suspicious transactions. '' Same ATMs, amounts, dates etc. The last 3 months, they have blocked it each month and it's a nightmare to get unblocked. The standards change every time. I do not have a US phone number here. Its incredibly expensive to maintain. Sometimes they will send a code to my XXXX phone, sometimes not. When you have repeated incidents at this number, for the same problem and they don't fix it, leaving me in a foreign country with no access to funds, they need to be forced to make changes. This obviously is affecting more people than just me. It is also, in legal terms, negligence if not XXXX negligence, breach of good faith etc.
Company Response:
State: VT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am a XXXX XXXX XXXX who assisted in XXXX during the Covid-19 crisis. I had called Nordstroms prior to my leaving to explain I could not afford the payments and needing a payment plan. The XXXX dollar payment plan they offered I could not pay. I returned from XXXX and called to pay my entire XXXX bill in full. I had saved up to pay this debt off from my paycheck. I received pushback from a store employee in the credit department stating the late fees of XXXX dollars would not be forgiven despite the Cares Act President Trump signed. I was then transferred to a supervisor stating, you had to call us to get that credit! I told him I was kind of busy saving lives with people who were dying ... he stated, Im sorry you still owe the money I cant help you. I need assistance, they need to accept my full payment of my XXXX bill and take this off my credit bureau report. I am very upset that after all we as Americans have been through this is how XXXX XXXX are treated! Much Respect, XXXX XXXX
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A