Date Received: 2020-04-07
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: On XX/XX/XXXX I received an email asking me to rate my online pick up experience at Target.com in XXXX XXXX, FL. I do not live in FL nor have I ever. I immediately checked my account balance online. It was at a XXXX balance. I called customer service, asked if there was a computer glitch, explained the email. I confirmed that my account was at a XXXX balance. I did not feel comfortable with the call. At that time I asked that the account be closed and a new card reissued to me and to record my call. Six days later I recieved a courtesy email from Target.com that my account balance was over {$600.00}. I immediately called and the charges totalled {$1000.00}. All charges made on the same day, all charges were in store pick up, all in XXXX XXXX, Florida. I initiated a fraud report and asked that the my account be permanetly closed. Getting the account permanetly closed tood several calls. I recieved a form to complete where I was to list all charges I believed were fraud. I completed form and mailed it back. The form included all the necessary details : 3 separate charges all made on XX/XX/XXXX ( {$83.00}, {$470.00}, and {$470.00} again, all charges were in store online orders picked up in XXXX XXXX, FL ) I just received yesterday a letter from Target Credit Card Fraud reading that my claim has been denied for the following reasons : 1 ) Our records indicate that the order ( s ) being disputed were placed using a Target.com account that verfies to you 2 ) Our records also indicate that there are previous orders placed using the same Target.com accoun that have not been disputed. I called on XX/XX/XXXX and was hung up on twice. I called again on XX/XX/XXXX and was told I my story was verified. My account was noted of all the above but that I need to file an appeal letter and hopefully my account will be cleared. I just recieved an online statement for {$1000.00} with a due date of XX/XX/XXXX. I have exhausted many avenues to seek help. No one is helping.
Company Response:
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TD Bank has informed me my HELOC account has been frozen with no explanation as to the reason. HELOC was recently paid to XXXX and I requested it remain open. I previously submitted a claim to CFPB as TD Bank would not release my over payment refund to me which has since been resolved. I was informed by secure TD Bank Portal chat on XX/XX/XXXX that my credit line is frozen and at {$0.00} and I must visit a Branch to complete documentation. I immediately responded to that message asking for more information and I have received no response. I sent another message on XX/XX/XXXX with no response. I have contacted XXXX XXXX of TD Bank on XXXX, XXXX, & XXXX with no response. I have contacted XXXX XXXX of TD Bank of XXXX with no response. I have called TD Bank at XXXX and waited on hold in excess of 60min with no assistance. I have emailed the Manager of my local TD Bank branch on XXXX with no response. I am paying a yearly service fee to keep my HELOC open and the funds available for use. My HELOC is in good standing and all payments have been made and paid to XXXX. I do not see any contractual reason why this account has been frozen or why I must visit a branch for further documentation.
Company Response:
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have been receiving calls from this company for weeks now. Most time I ignore it but today I'm sitting with my wife and kids watching tv and decided enough was enough. I've been in contact with target card services and have set up a payment plan thru their own website. I have been in contact with target. I attempted to explain my situation and the fact that I have already made an agreement thru target and the did not listen. As I was explaining myself the guy on the phone just spoke over top of me. He was extremely rude. So I asked for a supervisor. I was immediately placed on hold and just waited a few minutes before I hung up and called them back. I then asked again for a supervisor was placed on a brief hold until a women answered claiming to be the shift supervisor. She proceeded to talk over me as I once again tried to explain myself. Then I asked to speak with her boss and she gave me some run around. Then proceeded to ask me for more personal info before she could give me her boss 's contact info. It was a giant run around. I told them numerous times over numerous calls to stop calling me. I will provide a screenshot of my agreement with target.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I called TD bank to tell them that Im in the XXXX XXXX regarding The coronavirus. I asked for a supervisor to give me a call on my cell phone nobody. I was harassed by XXXX ID number XXXX. He called on Tuesday, XX/XX/XXXX. I talk to an agent on Friday she told me a supervisor call me within XXXX to XXXX hours on my cell phone. TD Bank is the worst bank incompetent people. Im on the front lines dealing with this virus and Im being harassed by then they do not care about whats going on in this country in the front line people that are in XXXX
Company Response:
State: NJ
Zip: 08759
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Thursday, XX/XX/XXXX, we contacted TD BANK to seek resolution to an online banking issue with our account. The issue is and continues to be that TD BANK will not allow our online banking function to deposit checks more than 5,000.00 per day or 10,000.00 per month, total. Recently, TD BANK on XXXX XXXX changed their policy to increase the online deposit limited to 50,000.00 per deposit or 100,000.00 per month. My app is limiting the deposit ability to 5,000.00 per day, preventing me from posting deposits for my business. This has an impact on my operating ability to pay bills and employees. When contacting the bank, have been told by TD BANK that this issue was resolved. When logging back in, this was indeed not resolved. After contacting the bank again on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, we were told this can only be resolved by visiting a branch. All branches in the area are CLOSED due to COVID19. When asked for an alternate resolution, they noted we can go to a drive thru, however an in-person appointment is needed. Again, the drive thrus are closed and both I and my employees will NOT TRAVEL OUT OF THE HOME. Then, we were told again from Small business support to contact the branch. For multiple days ( again XX/XX/XXXX, XXXX, XXXX ), no one at any branch will answer the phone, as they are CLOSED. The alternate is to go to an ATM. First, we are not allowed to leave our homes. Second, a business account does not have an ATM card to make transactions. The bank verified our account does not have an ATM. When asked if we could have one sent to me, they noted this can only be done in a branch ; again, which are all closed in the NJ area. They then said they could do nothing for our business and we should continue to try and call a " closed '' branch to see if someone would pickup. Also, we were told that there were no escalation points available to speak with. Further, we were also told that their back office was unable to setup a new account online to perform deposits through the mobile app, as this must be done through a branch. TD BANK would provide no case number for our inquiries when requested. Help is greatly appreciated and fast - we have employees to pay salaries to.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: TD Bank constantly mailed me a pre-approved credit line offers. Recently I decided to give them a try, so I applied for a pre-approved credit line offer they mail to me. As XXXX XXXX with a long experience in the e-money industry and the payment systems, I applied with confidence as I take care of my credit score/report, reasonably utilize my credits, never missed a payment, keep myself up to date about the payments system industry and never got a credit application rejected. TD Bank performed a hard inquiry to my credit report, and on XX/XX/2020, I got TD Bank decision for my credit application, that stated that they are unable to grant my request for credit for the following reason : " Unable to validate information provided on your application ''. What information they weren't able to validate? They just provided an elastic and foggy reason that would allow them to deny any application regardless of any provided facts! And why didn't they communicate with me if they still need more verifications before taking their decision? I don't accept TD Bank 's decision, request my application to be double-checked, and request them to provide a clear and reasonable reason/s if they are still unable to grant my request for credit! Note : I checked TD Bank web-site to find any E-mail I could use to communicate with them or any appeal process, but they don't share such type of communication channels. Attached are copies of TD Bank mail and my XXXX credit report for your reference. Thank you!
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This is in regards to my Target XXXX credit card. I made a payment on XX/XX/XXXX of {$100.00}, the amount cleared in my personal checking account on XX/XX/XXXX. However, Target XXXX has not reflected the amount to my credit limit availability. On XX/XX/XXXX, I called to speak with customer service representative, I did not receive an exact answer why the credit availability was not updated nor how long it was going to take to clear. But I was told that I can call my bank and conference call with Target to verify the amount? I did not have time to stay on the phone to do that. As of date it still not updated.
Company Response:
State: AZ
Zip: 85716
Submitted Via: Web
Date Sent: 2020-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have been fraudulently charged on 2 separate occasions by XXXX XXXX XXXX XXXX, also known as XXXX XXXX XXXX, after Governor XXXX XXXX ordered all gyms and health centers be closed effective XX/XX/2020 due to COVID-19. XXXX XXXX XXXX XXXX fraudulently deducted the amount of {$45.00} on XX/XX/2020 from : XXXX XXXX XXXX XXXX NY. A second charge was fraudulently deducted from my bank account the next day, on XX/XX/2020 in the amount of {$31.00} from : XXXX XXXX XXXX NJ ' A total of {$76.00} was deducted from my account although they are CLOSED. I have tried to contact both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on multiple occasions with zero reply or answers as to why this is happening.
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I followed the TD Banks instructions to close my account, emptied the account and called them. They are saying that they are locked out of my account on the phone, that I should send a secure message through the app. I did that. No answer for two weeks. I tried to go to a branch but they are appointment only. Their online queue system for appointments dropped me. Someone did call be about resolving my issue but then never followed up. I'm at a loss.
Company Response:
State: NY
Zip: 10021
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A