Date Received: 2020-05-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: When logging on to my online Target Red Card account on XX/XX/XXXX I noticed an odd pending charge. Since I hadn't left the house in a month and I've never purchased anything online with Target, I used secure messaging within my online account to notify Target of the possible fraud. I also tried calling the number listed on my Target card but could not get through. ( 40 minutes on hold, then the call would drop. I attributed to the lack of service reps to the ongoing pandemic. ) Target replied via the secure messaging the next day that the charges were authorized and then moved the charge from pending to approved. I replied back using the secure messaging within my account that 1 ) no the charges were not authorized, that was the point of my original notification, and 2 ) more unauthorized charges were being made. Target replied back that they could not help me and to call XXXX. Thinking this was a special credit card fraud number instead of the customer service number I couldn't get through earlier on, I called immediately. Instead of help I was treated to a solicitation for roadside assistance. If I didn't participate, I didn't get to talk to a human. I notified Target, via secure messaging again. They replied back basically to keep trying to call and to wait for my statement to be mailed to me. Meanwhile, more charges were popping up on my account. I dug around the Target website and found an email listed on their website for reporting - XXXX - which I used to email Target and beg for help in stopping the continuing charges. I still haven't heard back. Not even an auto-reply that acknowledge receipt. I reached out via XXXX and instead of helping Target responded back that I should check with my bank. I found that odd because my bank is a credit union and has at no time in it's history distributed Target Red Cards. I replied back to their message, saying I am not having any trouble with my bank or any other credit card but Target 's credit card, but have not heard back. Today is XX/XX/XXXX. Charges are still appearing on my card as they have every day since I originally alerted Target. I have contacted Target by every means available to me. I've screenshot all the information. I am bewildered that not only is Target not proactive in keeping my account safe, Target is actively blocking my reports of theft and fraud. Please, please help me. Every single day more charges appear. I can't get Target even to acknowledge the fraud, much less stop it. I don't know what else to do.
Company Response:
State: IN
Zip: 465XX
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Dear Consumer Financial Protection Bureau, I was a victim of identity theft in XX/XX/2019 ( attached is the police report ). The unknown perpetrator fraudulent took out a Cartier credit card administered by TD bank. TD bank was extremely difficult to work with to get the fraudulent account removed. The Fraud Specialist never returned my calls and I worked with the merchant Cartier to resolve this matter and received a letter from them this was Fraudulent account and it has been removed from my credit report after going through excessive lengths. Then, after all this I received collection calls from TD bank even after telling them to stop. I am requesting you to look into their practice. Attached is verification of being on the National Do Not Call Registry, Documentation this debt was resolved but still received collection calls, police report, letter to TD Bank ( Cartier ),
Company Response:
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: TD Bank is insisting on requiring an in house appraisal inspection. AQll we are doing is trying to convert an existing HELOC into a 30 year fixed rate. All the credit stuff is done and approved. It is all about the appraisal conditions. We do not want anyone to come into our home right now and we have offered to take any pictures they want, allow the appraiser to look around outside and look into any windows that they want, plus we would be happy to provide copies of all plans, COs and related document etc., just dont come in. Since they were good with the previous appraisal only about 1.5 years ago when we took out the HELOC we fail to see why we need to risk our health, and maybe our lives to accomplish this, again? TD Bank is being unreasonable and unresponsive. We have been long time customers of TD Bank dating back to when they took over the local XXXX XXXX ; so at least since before 2007. They already took the money for this appraisal! TD Bank is dragging their feet on getting me a response, too. We would just go to another loan service and start again but they have me over a barrel. I cant close this HELOC for about another year under their terms.
Company Response:
State: NY
Zip: 11725
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
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: CONTACTED TD BANK NUMEROUS TIMES SINCE XX/XX/2019, CALLS EMAILS, ONLINE CUSTOMER SERVICE CONTACT SUBMISSION, WRITTEN LETTERS VIA STANDARD MAIL AND EMAIL. TD BANK REFUSES TO ACKNOWLEDGE THE PROBLEM OR ACTUALLY LISTEN TO THE COMPLAINT REPORTED, INSTEAD THE SAME ANSWER IS GIVEN REPEATEDLY. MY CREDIT HAS BEEN SIGNIFICANTLY IMPACTED AND SCORE LOWERED SOLELY DUE TO THIS OCCURRENCE. IT IS THE ONLY NEGATIVE IMPACT ON MY REPORT AND IS INACCURATE. TRIED TO PROCESS PAYMENT ON MY TC CARD IMMEDIATELY ONLINE. HOWEVER ONLINE PROCESSING WAS UNABLE DUE TO TD TECHNICAL ISSUES AND A BILLING CYCLE NOT BEING ASSIGNED, THUS NO DUE DATE WAS INFORMED TO THE CONSUMER ( ME ). I TRIED TO PAY IMMEDIATELY BUT COULDN'T. PHYSICAL LOCATIONS WERE NOT ABLE TO HELP EITHER. FOLLOWING THIS, I WAS CHARGES LATE FEES AND INTEREST ON THE BALANCE WHICH WAS PAID IN FULL. THESE FEES WERE WAIVED BUT THE REPORTING TO THE CREDIT BUREAUS WERE NOT ADJUSTED OR UPDATED ACCORDINGLY.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I haven't received a mortgage statement in 7 months. TD Bank does not post statements online, so the only way to receive them is by mail. I've reached out to them on multiple occasions and all everyone has tried to do is to confirm my address, which has not changed. I receive other mail from TD Bank including receipt of payments, but no mortgage statements. I have no way of knowing what my remaining balance is. I continue to pay online without ever receiving a bill.
Company Response:
State: NY
Zip: 10708
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My purpose for submitting this complaint today is because, in my attempt buy my first home, I have run into an unforeseeable issue with a debt collection company that has brought this prospect to a complete halt, and I believe has potentially infringed on the rights granted to me by the FCRA. Quite some time ago, XXXX of XXXX to be exact, I opened a secured credit card with TD Bank. Unfortunately, not long after opening the account I was laid off from work and underwent a period of financial hardship ; and I could no longer keep up with the payments. I received a notice from TD on XX/XX/XXXX informing me that my account was charged off and owing in the amount of {$890.00}. At that time I simply couldnt afford to pay that amount. I later received a letter on XX/XX/XXXX from XXXX XXXX XXXX XXXX, stating that they were collecting the {$890.00} debt on behalf of TD, and I decided to just go forth and pay it as I was beginning to look into purchasing my first home, as well as possibly financing other endeavors, and could no longer afford for there to be this stain on my credit record. Arrangements were made with XXXX to settle/resolve the debt, and to my knowledge, that was that. I spent the next year or so saving money for a down payment and preparing myself for the new financial venture that is purchasing your first home. So, when I recently went to go apply for a mortgage, I was baffled when the loan officer reported back that I would have to pay that same very debt to TD in order to get approved. I went back to the XXXX website, the collection agency to whom I made the payment, and found my account with a {$0.00} balance. I went forth and filed a dispute with all three credit bureaus. This only resulted in the past due balance being updated to a more recent month on my credit report and having an even worse impact on my score than it had before. This debt is now past the statue of limitations for Pennsylvania ( 4 years from the date of last payment, reported as XX/XX/XXXX ) but is somehow still actively hindering my ability to buy a home for my family to this very day. I searched XXXX on the XXXX and found similar consumer complaints. It appears they may have a history of not forwarding payments back to the original creditors they are servicing the debt on behalf of.
Company Response:
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: verybad experience i received my target redcard credit card everytime i want to place an online order it wont go through i will get an email cancelling my orders immediately saying technical issue when i call no one knows why their system keeps flagging my orders but if i use a different card it doesnt get canceled and ships
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2019 a fraudulent check in the amount of {$850.00} was taken from my XXXX XXXX XXXX uncles account at TD Bank. His account number is XXXX. This person XXXX XXXX wrote himself a check and forged my uncles name. My uncle has filed a police report and went to the bank many times and still have not received the money back. He has been complaining since last year
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Td bank americas most convient bank. turning a fraud victim, into a suspect. On XX/XX/XXXX I lost my debit card I didnt report it because I thought I had lost it in the house. Then on XX/XX/XXXX town & country called to inform that my check for my rent bounced. So I immediately called customer service to see what was going on and the customer service rep. told me that the account was in a negative balance. So I asked why and she told me about a check that was deposited on the XXXX for {$11000.00} which I didn't deposit. The fraudulent cashier check from XXXX XXXX bank was deposited into my account on the XX/XX/XXXX 2020. based on the regulation E disputes fraudulent transactions started on XX/XX/XXXX. The fraudulent ACH transactions are a total of {$2500.00}. The customer service rep. also told me about a whole bunch of transactions I didnt make. The next day XX/XX/XXXX I went to the police station filed a report and then went to the bank to file a claim. After I filed the claim the teller said it would take 15 or more days for the fraud department to investigate. I waited 25 days to go back to the same bank where I filed the claim and the store manager said it takes 45 days for the fraud department to investigate. This the store address XXXX XXXX XXXX XXXX, XXXX XXXX MD. after waiting 40 days I never received a response in the mail and no one called me from the fraud department to keep me updated. so today on XX/XX/XXXX I went to the bank at XXXX XXXX XXXX XXXX to talk to the banker about the fraud investigation and that I wanted to know what was going on because no one had contacted me or sent anything in the mail. Then he told me that my regulation E disputes were denied and that the investigator on my case came to the conclusion that because the pin was put incorrectly the first time, it isnt a fraud. Also denying my regulation XXXX disputes because the pin was put correctly the first time when the check was deposited is unfair because my name and card info could have been stolen at a gas station or ATM by a skimmer device. Following this, I will file a complaint to the consumer financial protection bureau because I didn't deposit the check or make all these transactions, or put my account in a negative balance. Plus Td bank was charging me overdraft fees when my account should have been on hold. If the investigator would have looked at the cameras where the check was deposited they could see that it wasn't me. The signature on the back of the check is not mine. I'm being treated like a suspect, not a victim. Due to the poor management of the investigation/customer service my account is in $ XXXX which is being sent to collection. XX/XX/2020 2020
Company Response:
State: MD
Zip: 20901
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company sent a letter i just recieved today in my p.o. box that was dated XX/XX/XXXX so just hearing about this tried to call to figure out what was going on there asking for my social advised i couldnt do that due to having fraud on my credit bureaus multiple times within the last few years denied giving me simple info when i gave information file number from the sheet. The company on here its claiming i owe them i dont.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A