Date Received: 2020-04-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged two {$29.00} fees on my Target XXXX for " returned payment '' fees as the autopays had been declined by my bank - one in XXXX and one in XXXX. I have since paid the payments and I called to have the fees returned, as every other creditor is doing in the face of financial hardships due to COVID-19, for moral reasons but also due to guidance from their states and the government. I was told by XXXX ( ID XXXX ) in the Payments Department that Target would not be refunding any fees nor helping in any way regardless of any laws or guidance. He actually said he wouldn't " talk politics '' with me.
Company Response:
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was using a Target Red Card at Target to make purchases in their store. I received my statement for XX/XX/2019 showing that I had a {$10.00} balance. I paid the charge online, in full and never made another purchase with the card. I received my XXXX Statement showing the payment of {$10.00} that I made, and a {$0.00} balance. When I went to refinance my home recently, my broker pulled my credit report and told me I have only one minor past due report from Target for {$1.00}. Target reported this erroneously to the credit reporting agencies. I called Target on XX/XX/XXXX to get this resolved and asked them to send a letter to all 3 credit reporting agencies telling them that the past due report was their fault and to remove the bad mark on my credit report. The woman on the phone said she would send a letter to my broker telling them that I had a XXXX balance. I told her that's not what I asked. I told the representative that I am in the middle of refinancing my house and I need for that bad mark to be removed from my credit report in the next day or two. She told me it would take up to 30 days for a review. I told her that I didn't have 30 days, and this should be done soon, especially since it was a mistake made by Target. She told me again that it would take 30 days.
Company Response:
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card was either lost/ stolen, i provided the bank with detailed information in regards to fraudulent activity on my account. on XX/XX/20 at approximately XXXX XXXX & XXXX XXXX my savings account had money withdrawn in 2 separate transactions in the amount of {$300.00} each plus two {$3.00} balance inquiry fee & two {$3.00} fees for using a non TD bank. Once i was aware of the charges which was XX/XX/20 i immediately called my bank, notified them and cancelled my card as well as filed a police report. it appears on XX/XX/20 or XX/XX/20 they denied my claim because it states my pin was used.
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the XXXX of XX/XX/2020, I went deposit {$900.00} to my checking account ( TD Bank ) there were few people inside of the bank but did not allow anyone inside of the bank, I was using the Atm to do the deposit the Atm took the {$900.00} plus the Atm card i knock at the door for someone to come and help me they don't want to come out, after 5 minutes one of them open just to hear what i have to say, i explained to her, said she can't help me they can only file a claim for me but she can't do it cause it Saturday, she went to check if she can get the atm card, came back say she didn't find the card went for a 2nd time came with my atm card i asked about the money said she does not have access to open the Atm machine, ok i call Td bank did the claim, they told me it's will take 5 to 10 business days to get the money back on the XXXX of XXXX they only deposit {$440.00} to my account, when I called them said that's the only money they can give me, so they did an other claim on the XXXX of XXXX I received a mail on XXXX of XXXX said the claim is dined.
Company Response:
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: My brother from XXXX sent money for me from XXXX by wire transfer he sent XXXX in a US dollar currency to my bank account here in TD bank In New Jersey, the money came here as {$4700.00} and plus they charge me XXXX $ wire transfer in different transaction, I called and complain, customer service left me in hold for around 2 hours, their answer is they see money transfer in us dollars but it changed to XXXX dollars then changed again to us dollars, I don't know why and they can't help me to dispute or to ask why, please help
Company Response:
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/XXXX, my credit score was XXXX when I was looking at auto finance options. In XXXX, I started a refinance on my home. I saw on credit report Target {$28.00} missed payment. I immediately called Target and paid the balance in full {$130.00} having had no idea there was an overdue balance. I requested Target investigate the charges and their notifications processes. I have made two more requests for Target to investigate. I did not receive any emails ( or USPS mail ) from Target about a balance/payment, due/past due, statement ready or payment received. I did not receive any emails from Target for the charges on my card, the shipping of items, or the balance overdue on my card. I pay all of my credit cards online and receive emails for all of these notifications. Target refuses to remove this from my credit reports. Also, since I paid Target {$130.00} on XX/XX/XXXX, I have not received a confirmation of payment or a statement ready email. I do have a confirmation # for proof of payment. Target does not confirm communications are sent/received to/by their customers. When there is an issue with emails being sent/received they do not investigate to resolve the issues. I found 3 other people that have the same problem with Target. They, like me, had no idea items were charged to their credit card. They had not idea there was a balance was over due because they did not receive notifications in email or via USPS mail. Target has not investigated or resolved their issues. This has and will continue to substantially hurt my credit score. I have contacted Target over XXXX times to remove reporting from my credit. I also paid XXXX to Target so it would not continue to be reported. And they refuse to investigate why communications were not sent to me. Why didn't I receive the emails ( we confirmed the email address which has not changed ) and why didn't I receive USPS mail notifications of payment ( s ) being late? On all three calls to Target, I was told they would investigate their communication process errors. Since XX/XX/XXXX I have been working from home due to Covid 19. Did Covid-19 affect their processes? The 3 other people that have not been able to resolve the credit reporting and lack of communications from Target had great credit, too. Yet, like me are giving up because Target will not assist to resolve. But they were quick to report without any notifications to their customers.
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX T.D. Bank XXXX XXXX And the all three credit bureaus : XXXX XXXX XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
Company Response:
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have no idea if this is about a credit card but I had to choose an option. TD Bank is fraudulently withdrawing funds from my XXXX XXXX account. I do not have any accounts with TD Bank - no bank account, no credit card, no debit card, no loan, nothing. On XX/XX/20 there was a fraudulent withdrawal from TD Bank for {$3.00} from my XXXX XXXX account. I informed both TD Bank and XXXX XXXX that these charges are fraudulent and should not be permitted, as I do not have any accounts with TD Bank. Now there is another fraudulent charge from TD Bank, of {$6.00}, on XX/XX/XXXX.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I viewed my XXXX credit report during the week of XX/XX/XXXX, and found negative derogatory marks that had I had late on payment since XXXX of XXXX. On XX/XX/XXXX, I called TD Bank to inquire about the late payments because I was not informed of the payment. XXXX XXXX XXXX, my ex-partner, communicated to me that he was informed by more than one representative on multiple instances that an account did not exist under his social security number or name nor my social security number or name ( XXXX XXXX ). I found this to be true when I called the same number ( XXXX ) XXXX ) that was given to me and the same instance happened. I gave my social security number several times to 2 representatives before the account could be located. It took over 1 hour to locate the account. When I explained stating, I MUST have an account there because there are several negative remarks on my credit report from TD Bank. After stating my concerns one of the representatives found the account. After going into detailed what happened, the last representative informed me that TD Bank will never remove any negative remarks from any account regardless of the reasoning. I have an issue with this, due to the fact, I was not informed by the financial that a payment had not been received for several months and was easily found after the storyline. I gave my social security number to the representative several times and both representatives stated that could not retrieve my account. When I informed the representative of the what happened, she stated that TD Bank will never remove any negative remarks from someone's account I am in the process of attempting to buy a home and now I have negative remarks reflecting on my account.
Company Response:
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A