Date Received: 2020-02-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: At XXXX XXXX on XX/XX/2020, I went to a full service TD ATM machine inside a TD Bank at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I deposited {$200.00} in cash then followed another cash deposit transaction of {$250.00}. However, the ATM machine gave me back {$80.00} and kept my {$170.00}. When I logged into my TD Bank account, I saw that the {$200.00} came through, but the {$170.00} did not and was only showing " XXXX '' instead of " {$170.00} '' I tried calling a TD customer support but could not reach anyone. I preceded to call the XXXX Police Department to inform them of the situation and suspicion of a fraud activity. Officers XXXX and XXXX were at the scene. But informed me I should go to the bank the next day ( XX/XX/2020 ) so that I could talk with someone. I arrived at the bank the next day ( XX/XX/2020 ) and the teller issued me a new debit card but I was unable to retrieve my original ATM card. The teller ( XXXX? I think that'a her name ) filed an ATM dispute and stated that the funds will be issued in " 10 days. '' I have solid proof that I made 2 cash deposit transactions and would like my funds be available at my account, not 10 days. So at this moment, I still need my {$170.00} back.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Target credit card was unpaid from XX/XX/XXXX until XX/XX/XXXX. I thought I had signed up online for automatic pay from my checking account. I didn't realize the payments weren't coming out of my account. I was a XXXX XXXX and had changed addresses so I didn't receive notices in the mail. I didn't realize I was past due until I started receiving phone calls that I was past due. I immediately paid the balance in full. Target was unwilling to work with me to remove the derogatory information from my credit report. If you look at my entire credit report, I have only had one other issue with a student loan. Everything else has been paid as agreed.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: TD enrolled me into their discretionary overdraft program without my consent and then displayed my transactions online/in their app in a different order then they are posted making it impossible for me to keep track of. XXXX XXXX XX/XX/20 XXXX, I was charged {$170.00} in fees, but my balance was only - {$170.00}. If my balance was displayed properly I could have avoided the issue. Also, TD posted the transactions in a way that benefited them and my balance should be {$2.00}, not XXXX XXXX. I attempted to resolve the matter over the phone, but they were only willing to credit a portion of the egregious fees that I did not consent to incur. They were also unable/unwilling to provide me proof that I actually signed a contract with them agreeing to said fees.
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I purchased a XXXX XXXX XXXX from XXXX Grapevine in XX/XX/XXXX. Dealership could not work with my local credit union since it was in another state and secured financing through TD Auto. I refinanced the vehicle through XXXX XXXX XXXX in late XX/XX/XXXX/early XX/XX/XXXX. In the process of applying for a new mortgage, I pulled my credit report and see that TD Auto is showing a {$44.00} balance. TD Auto has been less than forthcoming and somewhat deceptive. They tell me that they have no record of quoting a 10 day payoff, but they are telling me that when they received the payoff from XXXX, it was 3 days late. XXXX has records showing the check was mailed in plenty of time, but TD Auto has been unwilling to work with me and waive the {$44.00} fee. XXXX XXXX has said that do not waive these fees. Then they said they can not. Then finally they said that they just don't want to. They have me over a barrel for {$44.00} on a {$70000.00} loan and are unwilling to work with their customer. They have also been unwilling to expedite this account updating on my credit report and unwilling to provide me with a letter showing this has been paid off. My mortgage broker wants this to show as paid off & closed on my credit report to boost my score a few points and secure me a better interest rate. I may end up paying a higher interest rate because TD Auto does not care about their customers.
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In late XXXX, XXXX, I have receive a mail letter ( first mail letter ) from TD bank saying their recorder showing I don't have any current insurance, thus asking me to provide my property insurance information like insurance policy number, the name, mailing address and phone number of the insurance company or insurance agent. Otherwise, the bank will buy the insurance for me, and I will be liable for the period I do not have insurance. However the fax number provided in the letter never work out, thus I went to TD Bank Branch to fax the documents in early XXXX, XXXX. The document I faxed is the Insurance Binder which contain all the information the first mail letter asking for. I didn't receive any mail regarding the issue and my monthly mortgage payment didn't change. Later in earlier XXXX, XXXX, I received another mail letter, saying my monthly mortgage payment is going up because they have purchase the insurance for me. So I called the TD bank several time between XX/XX/XXXX to XX/XX/XXXX, I got different answers from different agents about what has happened. But they all said they have received the fax from me in XXXX, but they want the " Declaration Page '' not the " Insurance binder '', thus they bought the insurance for me without any notice before or after. However, I didn't find anything about " declaration page '' on the first mail letter I received. Then I contacted my insurance agent to get the declaration page that cover both XXXX and XXXX year, and faxed those document together and received a fax confirmation that has page count. However when I contact the TD Bank today XX/XX/XXXX, the agent said they only receive the document for XXXX not XXXX. In addition, they are asking me to provide other additional documents, a statement from my insurance company saying I was full covered. The agent is very mean, rude and unprofessional. Didn't show any of respect! I have provide all the documents they have been asking, but they keep asking for more. I don't know if the TD Bank really want to resolve my issue, but just keep teasing me. I don't think this is right and fair.
Company Response:
State: NY
Zip: 11355
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
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 had not used my Nordstrom credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had XXXX. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. I applied for a credit card through XXXX on XX/XX/XXXX and was informed that Nordstrom had reported that I made a late payment so my application was declined. Multiple attempts with Nordstrom to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.
Company Response:
State: HI
Zip: 96814
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had a Target RedCard MasterCard, which I had since 1998. I was set up on their automatic payment feature which automatically drew the full amount owed from my bank account. Last month, I used their online feature to pause my automatic payment for the month and make a one-time payment of {$3500.00}. On XX/XX/XXXX, I received an email from Target RedCard that my payment didn't go through because of insufficient funds. I checked my bank account and verified that I had more than enough funds in my account. So, resubmitted the payment to go through. Again, on XX/XX/XXXX, I received an email stating that my payment was returned for insufficient funds. I called Target RedCard and asked for their assistance. They advised me to make a payment over the phone, then call my bank to see what the issue was. They then transferred me to a third party provider who took my payment over the phone and told me that my account would be current in one to two days when the check by phone was processed. I called my bank and was told that they were no records that any attempt was made to withdraw any funds from my account and that I had sufficient funds in the account. After researching more, I figured out that they were trying to draw the payment from my ex-husband 's account. I didn't even know that the Target RedCard still had access to his account since all my Automatic Payments were drawn from my personal account. The next day, I tried to use my Target RedCard and was told that it was declined. I called Target and was told that my card had been canceled for two declined payments. They said that whoever had taken my payment the prior day should have told me that it was already canceled. I explained that the payments were posted to the wrong account, they said that it was still considered a returned payment and they close those automatically. They said that they would make notes that I was not told it was canceled to improve their customer experience, and they offered to send me a letter explaining why my card had been canceled. When I expressed my shock and disappointment, the supervisor on the line said that they understood my frustration and that I could reapply for a Target RedCard at the store. I explained that I had been a cardholder for over 20 years, and did not have missed or late payments. They again said there was nothing to be done. When I asked if this was going to show up on my credit report, they confirmed that it would and offered to send the letter explaining why they had canceled the card.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
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: My name is XXXX XXXX and I am writing in regards to a complaint/issue I am having with TD bank USA N.A. On XX/XX/XXXX I made a purchase with a kitchen supply company for some kitchenware in the amount of {$9700.00} and was promised a estimated date of arrival on XX/XX/XXXX. After numerous attempts to contact them I was not able to reach anyone. This went on for a few weeks with no luck. I finally decided to call Target card / TD Bank USA and filed a dispute with the card company. TD bank USA stated they would credit back the disputed amount while they investigate the matter. On XX/XX/XXXX I received a mailed letter stating the disputed amount of {$9700.00} has been placed back on my account. Since receiving this letter I have found ways to contact the merchant who charged it and got a hold of someone and they have agreed I have not received my products and that they did inform TD bank USA that I have not received my products. I have contacted TD bank USA numerous times with no luck on getting any calls back.
Company Response:
State: CA
Zip: 91763
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX I filed an complaint with the XXXX No. XXXX and No. XXXX against Target Card Services for an account credit that had NOT been applied to my charge card account as promised and because my account had been frozen by them on or before XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX and a letter on XX/XX/XXXX from XXXX of Target Card Services stating that on XX/XX/XXXX ( {$28.00} ) and XX/XX/XXXX ( {$39.00} ), two late fee charges were credited back to my Target Card Services account but they did NOT. Target Card Services applied the two late fees charges of {$28.00} and {$39.00} on XX/XX/XXXX to my monthly minimum payment amount due and to my total account balance due. But my Target Card Services account was frozen by them on or before XX/XX/XXXX, so how did my total account balance due increase if I can not use the charge card. Target Card Services committed FRAUD and are trying to SCAM a consumer and one of their Target REDcard account holders. As of today XX/XX/XXXX Target Card Services still has Not applied the XX/XX/XXXX {$28.00} credit to my charge card account or reversed on XX/XX/XXXX the {$39.00} late fee added because Target Card Services did NOT apply the credit promised by XX/XX/XXXX the bill payment due date. Since XX/XX/XXXX every month Target Card Services has been adding late fees and addition interest charges to my charge card account when I paid in full my portion of the amount due to my account by XX/XX/XXXX Every month I pay the minimum amount due to my charge card account established with billing cycle XX/XX/XXXX. And if I am ever late paying that amount I always include a late payment fee with it. Target Card Services FRAUD, ILLEGAL ACTIONS, and SCAM are ruining my credit report history, and for NO REASON. It is fraud, illegal, and a scam for any credit card company like Target to add account credits promised consumers to their monthly minimum payment amount due and the consumers total account balance due, when the consumer has NOT used the charge card account. I would like Target Card Services to fix my account immediately and apologize for their retaliatory behavior towards me, a consumer and Target REDcard account holder.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2020 my accout with TD Bank was credited with a {$700.00} from SSI ( social security ). I found out sunday XX/XX/2020 that my debit card was missing out of my wallet and I called TD Bank but found out that my account was blocked for some reason. I reported my card lost or stolen. They told me that {$900.00} had been charged to my account fradulently. I put in a claim on monday XX/XX/2020. They denied my claim because they said the person who-ever it was used the ID number perfectly and they got it right the first time. And also they said that the culprit did not attempt to abuse the card. In other words they are saying that it was too perfectly done. The money stolen from my account was the money that SSI pays me monthly to live on. Iam a XXXX American. I have been robbed. They won't help me. SSI gave TD Bank my money for me to live on for the month of XXXX but I have been robbed and they wont help me, they said that they are not responsible but I know better than that. TD Bank is not a good bank to be with. They are not a safe bank to bank with. They are robbing me. I wonder how many other people have they did this to.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A