Date Received: 2020-04-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Internal payment system malfunction and merchant wants to charge late fees to consumers and report inaccurate data to the credit reporting agencies. They are not notifying consumers of their errors and they are blaming banks that they received a notice of no account on file On XX/XX/XXXX ; I submitted a credit card payment to target. My financial/ checking account information is already on file and has been used for the past 5 years with no problems. The way I make my payments all the time is through the automated system with my stored information. I usually pay my entire amount in full and I am never more than 30 days late on my payments. I submitted a payment for the full owed amount of XXXX dollars and some change. I usually check my credit cards every month to make sure theres no payment due. On XX/XX/XXXX ; I was doing a random check on all my credit cards. I realized I had a late fee on my target credit card as well as the automated system saying Im late more than 30 days. I had no knowledge of me using my target credit card recently or any transactions. I called target and spoke to a customer service agent and she advised me that it was for a charge from XX/XX/XXXX. She confirmed there was a payment attempt on XX/XX/XXXX, but stayed my payment was not processed. I asked her why it was not processed and she said they received an error message of no account on file. I advised her I do not re enter my account information because its already in the system and thats how I been making my payments for the past 5 years with the same account number on file. I advised her, I never received any notification from target about the payment not going through, I never received anything by mail, any phone calls, any alert, text or email. I advised the lady if I wouldnt of checked my card randomly I wouldnt of noticed it wasnt paid ; since nobody notified me. She confirmed that nobody notified me because I had my account set as private or dont bother. Which I dont recall putting such alert. However if that was in my account ; I advised her a late payment or not going through ; such things must be notified by mail, statement, message, phone call. She had no explanation as to why and just kept telling me that I didnt have alerts to get a phone call. I made the payment. I also called my bank asking why they denied a payment and my name advised me no history of such payment was requested around that date. I later noticed a reporting on my credit report. I do everything possible to take care of my credit score and report. I own 12 credit cards and i am very responsible on making my payments on time. On my credit report I do not have any late reporting or any missed transactions so my payment history speaks on my payment responsibility which I was 100 percent on time payments on my credit report. I called target again to file a complaint on their system and the rep advised me that they received an error message saying no account on file she said I must have entered an incorrect account number. I advised her theres no way I entered an incorrect account number because the system already has my account number. I advised her that every time I make a payment, I do not need to enter my account number but just confirm the payment amount ; since the system already has my account number. I advised her the same account has been on file for 5 years and my payments always get processed. She called my bank on three way and confirmed the account number target has with my bank. My bank confirmed that is the correct account number and my bank also confirmed with target rep that No payment got requested by target on XX/XX/XXXX or after. My bank advised target rep that there was no record of target ever requesting that payment or any history. The bank lady also advised me that the same thing happened to her in XXXX from target bank. I submitted a complaint with target credit card and requested to please correct my credit report. In XX/XX/XXXX, I received a letter from target regarding my complaint. The letter states, the reason for the payment not getting processed was NSF Insufficient funds. They have lied to me and I dont know how many other consumers they are lying to. I had XXXX XXXX dollars in my bank on XX/XX/XXXX. There is no evidence of NSF from my bank. I would have that showing on my bank statement and I would also have a fee from my bank and my bank wouldve confirmed that with target and me. I would like your help in this matter please so they can stop doing this. I can submit the letter they send me. Im sure their calls get recorded and you can hear both times how they told me they received an error message of account not on file also how my bank confirmed the account number to be accurate to what they have on file. I can also send a copy of my statements to show there was never a payment requested from target and how I had enough money to cover the payment. I feel they are taking advantage of consumers and hoping they can do random internal errors like this and charge late fees and do fraudulent reporting to the credit reporting agencies. I used to work for the bank as well and I am aware of how NSF works. There would be record of an NSF on my statement. My main complaint is for them to correct my credit report and not report fraudulent information again and for them to not do this again to consumers. Thank you.
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Unbelievable how this customer service treated me I called tonight to order deposit tickets which was always free and they want to charge me for something that has always been sent to me for free and then when I have the beyond checking And qualify for free checks they also wanted to charge me horrible I want {$80.00} for this inconvenience they have caused me ruined my night didn't treat me loyal or in the past deposit tickets were always free and then the lady said she is having a hard time with her system and that I should call XXXX XXXX Why when its my bank that has always ordered deposit tickets and checks
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
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 was charged for 2 items that were cancelled in store when I went to pick-up the items because the items arrived broken. My online account at Target shows the store pick-up was cancelled but the card was still charged. I have been trying to resolve with Target for a few months but they have not issued a credit yet. ( 2 ) Transactions are dated XX/XX/XXXX for {$120.00} each. Email below from target dated XX/XX/XXXX ... Hello XXXX, Im contacting you today regarding your refund request from order XXXX. Due to a rare technical issue, were unable to process the refund systematically, so I've requested a refund of {$240.00} on XX/XX/XXXX to your Target RedCard. You'll receive additional communication when it's completed. I do apologize for the confusion and the delay. Keep in mind that, since the refund is being issued outside the system, it will not reflect in your Target.com account order history. If you have any questions or concerns, please call us at XXXX and reference case XXXX. We'll be happy to help. Thank you for your patience and have a great day! Sincerely, XXXX Target.com Tax Team www.target.com Email dated XX/XX/XXXX ... Thanks for reaching out to us about your recent Target.com order XXXX. I had a look, and I would like to apologize for the issues you've had with this order and for the confusion around your refund. After further research???, I've confirmed a refund of {$240.00} was successfully credited back to your RedCcard ending in XXXX on XX/XX/XXXX. You can verify your refund with your XXXX bank statement from XXXX or talk directly to RedCard Guest Services at XXXX. I know that you expect a great experience every time you order from us so, to invite you back for the experience you deserve, Im sending you a {$25.00} Target eGiftCard. You'll be receiving it to your email within 4 to 24 hours. I hope this helps clear things up. Thanks for being such a great Target guest and we hope to see you soon! Sincerely, XXXX Target.com Order Research www.target.com Email dated XX/XX/XXXX ... Hi XXXX, It has already been investigated and determined that Target owes me the refund for the {$240.00}. I have the email communication to prove that the refund is due. I was simply inquiring on how long the refund would take as I have not heard from anyone since XX/XX/XXXX. The refund you are referencing on XX/XX/XXXX was for a purchase made on XX/XX/XXXX. You see these particular tables were purchased 3 times in the hopes of receiving them undamaged. The second time I purchased them, they were once again broken and I canceled the order in the store as it shows on my online account. However, the store still charged me that day ( XX/XX/XXXX ). The is the refund I need. Who do I need to speak to for processing the refund? I would also be open to a gift card in the amount of {$240.00} to get this settled. Thanks, XXXX XXXX
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: During this COVID-19 virus crisis, I have been trying desperately to get in contact wit TD Auto Finance to ask about my options while the Stay at home orders have been issued and work time has been reduced. I sent emails asking about this and received two responses stating to call the hotline for a resolution. At first when I called I would sit on the phone for hours only to be disconnected. Now as of XX/XX/20 when you call the customer service line XXXX it continues to tell you to contact them via their secure message center for a resolution and then disconnects. Messaging them again I receive the same response to call in or just receive no response at all. Now I may have a buyer for my vehicle and I have no way of getting in contact with TD Auto Finance because it seems they have just forgotten about their customers during this crisis. I need a resolution to this problem so I may sell my vehicle before this opportunity to self relieve from the burden passes.
Company Response:
State: NM
Zip: 88240
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened a dispute with XXXX about my TD Bank account. The account was listed as having been charged off in XXXX and XX/XX/2020. The account was included in my Chapter XXXX bankruptcy and discharged on XX/XX/2020. TD Bank did not change my account from charged off to discharged in bankrutpcy. I called and was told by collections that they did not know how to help me.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened my account online, i deposited my XXXX XXXX XXXX funds which were sent to me in cashier checks. My TD Bank accepted the checks via mobile app. With everything that is going on with the Corona virus. I am minimizing my outings. I thought everything was fine. Next couple of days I couldn't log into my account via mobile app. I called they stated my account was under investigation. This was a normal procedure due to the amounts of my cashier check. I was told I had to go into a branch and verify myself which i did on Saturday XX/XX/XXXX at XXXX. I was there till XXXX closing time waiting for customer service rep over the phone to talk to the representative at the branch to verify me. I showed my ID and was told my funds in my saving account would still be on hold till XX/XX/2020. Today is XX/XX/2020. I am now locked out of my checking account and told to come into another branch to verify myself. The location that i went to is closed and only doing drive through transactions. I have health issues, I am working from home and home schooling. It took me a whole day to talk to three representatives and nothing for me was done. Due to all that is going on with this Corona virus I am not able to go out risking my health to get access to my funds. My bills are past due because of this.
Company Response:
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: This is absolutely ridiculous with the account type I have I was told checks are free I called customer service to order they give me a hard time and want to charge me they claim that Im supposed to be charged such misleading information and online it says beyond checking is free checks even at the branch I was told I can order by phone they refuse and want to transfer me to XXXX XXXX I dont understand them I want {$50.00} for the inconvenience they caused me and lack of proper information
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In the month of XX/XX/XXXX, I went shopping to XXXX to buy my mother a gift of {$83.00} for her birthday. The lady who rang me up at the end of the purchase asked if I wanted to apply for a XXXX card and she pressured me to apply. She said if I applied today I would get 15 % off of my purchase and it would help her out with her boss if I did. So I thought it would help her out not knowing it would damage me instead. In XXXX of XXXX, it says I have an inquiry at Target because I was trying to take out a credit card as well. I never applied for a credit card there.
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have had {$100.00} in a TD Bank checking account for multiple years now. The bank will not allow me to close the account nor withdraw my money. I opened the account in XXXX, but currently reside in XXXX state. The bank insists that I come into a branch personally to close my account, but there are not branches in XXXX state. Presently my account has been marked as " inactive '' due to inactivity, preventing me from accessing the funds via debit card or check. I have called both the branch I opened the account with and the national customer service line multiple times without resolution. I just want to close the account and have them send me a final check for the balance. Thanks for looking into the issue.
Company Response:
State: WA
Zip: 98686
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Consumer Reg E Violation by TD Bank I opened a new savings account at TD Bank located at XXXX XXXX XXXX in XXXX XXXX with bank representative XXXX XXXX and the following events occured : - On XXXX account initially opened with {$25.00} and my incoming the rep that I would make a {$5000.00} deposit the next day. At account opening I stated I did not want an ATM or Debit Card twice, however on the third ask, I conceded and told the rep she could issue me a ATM only card with no debit capability. -XXXX {$5000.00} check deposit made. -On XX/XX/20 at XXXX XXXX I received a fraud alert by text from TD Bank that there was an attempted withdrawal in the amount {$760.00} from my account. Upon speaking to TD Bank representative I was informed that three prior withdrawals of {$760.00} each were already made - which I did not receive a fraud alert for. -The ATM card never arrived to my residence in the mail. -Three withdrawals totaling {$2200.00} were taken from my account at TD Bank located at XXXX XXXX XXXX XXXX XXXX follows : XX/XX/20 at XXXX XX/XX/20 at XXXX XX/XX/20 at XXXX -Once alerted of the above I filed an ATM claim # XXXX on the same day ( XX/XX/XXXX ) -On XX/XX/XXXX upon calling TD myself I was informed that the claim was declined. Subsequently I filed a new ATM claim # XXXX and informed the representative that I would be filing a police report. -XX/XX/20 Police Report Filed -On XX/XX/20 ( Saturday ) upon receipt from the XXXX, I forwarded my police report to the regional manager XXXX XXXX and Assistant Manager XXXX XXXX. -XX/XX/XXXX Monday morning I received a call from XXXX XXXX informing me my claim was declined again based on the correct PIN code being used. Keeping in mind that I never received or activated a TD Bank ATM card or otherwise. -Ms. XXXX stated she was reopening my claim on XX/XX/XXXX. I am awaiting the requested claim number. -I communicated to the Bank that I believed my personal information was compromised at TD Bank itself and that my PII was not protected by the Bank as it should be. -I asked the Bank to provide me with the phone number used to PIN the ATM card, but was not accommodated. I asked the Bank to pull the video of the withdrawals being made, but was not accommodated.
Company Response:
State: NY
Zip: 11414
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A