Date Received: 2020-01-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I am a TDBank Customer in XXXX County, Florida. On XX/XX/2019, I tried to make a XXXX payment through my online banking portal. The transaction was flagged by TDBank as suspicious, even though I had done previous business with the merchant with no issues. TDBank disabled my XXXX capabilities while they " investigated, '' and later shut down all access to my checking account. I spent HOURS in the branch during the ensuing weekend trying to resolve the situation, but the branch employees, including the manager, not only were unable to help but were apathetic and uninterested in trying. Finally, after I posted a lengthy summary of the situation to XXXX, along with an entreaty to my followers not to do business with TDBank, someone from their corporate office called me on Sunday night and assured me they would resolve the situation by the following Monday morning. Little did I know, however that my nightmare was only getting started ... To make a very long story at least somewhat shorter, after the XXXX debacle, TDBank improperly and arbitrarily classified my checking account as a " non-transaction account, '' a code associated with savings accounts, money markets, and other such accounts on which checks ( including e-checks ) can not be written. They did not inform me they were doing this, and from what their employees have since told me, it should have never happened -- in other words, it was a negligent and careless mistake on their end. This negligent action by TDBank caused me to incur many returned payments, resulting in hundreds of dollars in late fees. My payments initially were accepted, but each time, I received a notice days later ( or, in a few cases, weeks later ) from the merchant ( never from TDBank ) that the payment was returned because of my account 's non-transaction status. By that point, the due date had always passed, causing a late fee to be applied. In one case, it took so long for the payment to be returned that it went past the 30-day mark, resulting in a 70-point plunge in my credit score. This drop, unless I can somehow resolve it, will cause me to pay hundreds or even thousands more in interest if I decide to purchase a house or car in the near future. I am completely fed up and need help taking action. I strongly believe that I deserve restitution not only for the quantifiable monetary damages I have suffered in the form of late fees and returned payments, but also for the many hours of time I have lost ( time is money, after all ) and for the stress and emotional anguish caused by this exasperating situation.
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account being reported by XXXX in question is TD BANK USA/TARGET CREDIT in the amount of {$410.00}. On XXXX-2019, I paid this charge off in one full payment of {$410.00} over the phone with the collections department of the original creditor ( TD BANK USA/TARGET CREDIT ). On XXXX-2019, this account on my credit report had been updated to paid charge off ( $ 411-> {$0.00} ). On XX/XX/2019, the balance on this account had been updated and was increased by {$410.00}. On my last updated XXXX credit report of XX/XX//2019, the payment status for this account reports as charge off with a balance of {$410.00}.
Company Response:
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: After resetting my password, temporary passcodes take 8+ hours to arrive. So when I attempt to login to my computer I have to plan my life a day ahead of time. XXXX XXXX Back refuses to send me these passcodes
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2020-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX tD bank payed a check against my account without funds available that made my account negative for approximately {$1500.00} without the account having overdraft protection. Other transactions went in and from XX/XX/XXXX-XX/XX/XXXX that have charged me more that 14 overdraft fee for {$35.00} each almost {$500.00} in two weeks. I believe it was bad faith on their behalf and there should be a control over how many overdraft can be changed.
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a complaint. On the XX/XX/XXXX I asked for a due date change. On the XX/XX/XXXX I asked for a due date change. I made complaint to the Cfpb on XXXX REQUESTING A DUE DATE CHANGE I made a complaint with the XX/XX/XXXXon XX/XX/30 REQUESTING A DUE DATE CHANGE How many times do I need to ask for a XXXX due date change. In XXXX I called 3xs. 2 of those times were to request a due date change. it was a clear breakdown of communication in the past. How ever to remedy this I requested a due date change for the 3rd. It was explained to me I need to wait for my account to be in good standing. I did. Now here I am ready to pay my card on the and I get hit with ANOTHER LATE. I spoke to XXXX Id number XXXX She informed she couldn't change it. The late fee was because I failed to get confirmation on the late. And the the same information of how I change the due date and the time line in which to do it. She informed me Target sent a statement so it's my fault if I didnt see it. I told her and the staff before..literally every one in spoke too..I need a set date. I'm in and out of the hospital..I don't check I go in on the 3rd and pay. Per my record I've had one genuine late I've always paid on the 3rd. Because when I forgot my card the operator target said it was ok. I understand there was a miss understanding. But at this point its very clear. I trusted you guys to change it when I called 2 other times. You failed. I don't know your process it's not my job to know. It's my job to pay on time. And if I cant request a due date change Via phone in the time that was stipulated by Target. Which I've done in the time line you given me by 2 of your operators. AND IN WRITING 2XS via cfpb and bbb. All times my account was in GOOD STANDING. I dont feel like that's ethical for your staff to not change it.. then charge me a late fee. Then make it seem like you didn't know or I failed in some manner to ensure your staff follow thru.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called Target on XX/XX/XXXX and was told if I made a payment of {$170.00} to bring my account current the 2 late fees totaling {$76.00} acceded on my account would be removed. I was on a payment plan to bring my account current and was told that I would no longer need be on the payment plan and the fees would be removed. I was also told my next payment would not be until XXXX as I would be back on a normal cycle since I brought my account current.. first fee was added to account on XX/XX/XXXX- {$38.00} second fee was added to account on XX/XX/XXXX- {$38.00} I asked the representative multiple times if the fees would be removed and he said yes. I received my target credit card statement on XX/XX/XXXX and I noticed the payment of {$170.00} was applied but the 2 fees where not removed. I called Target on XX/XX/XXXX and had to call in multiple times because the representatives would hang up on me. I finally spoke with a supervisor and was told the original call recording from XX/XX/XXXX would be pulled to see what i was promised and I would receive a callback in 48 hrs. I did not receive a call back so I called target credit card company on XX/XX/XXXX and spoke with a different supervisor was told the representative on XX/XX/XXXX did tell me the 2 fees would be removed. on XX/XX/XXXX I was told the fees would not be adjusted. I asked for a manager above the supervisor and was told no/ I was told it did not matter what the representative said on XX/XX/XXXX and the fees would not be removed.
Company Response:
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I closed this account in XX/XX/XXXX, in XX/XX/XXXX I received an alert from XXXX that i missed a payment on this account. so i called the bank, and was told it was a late payment for the annual fee for XX/XX/XXXX. I explained that I closed the account in XXXX. I was told no problem they would reverse the charges and clear my records. now in XXXX my credit report dropped XXXX points. I called the bank and was told i was missing payments. I went through the whole story and was assured that it would be cleared and that they would clear it off my credit report. that has not happened They only thing they did was mark the account paid. they did not delete the late marks.
Company Response:
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaacurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any prroof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
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: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have a credit card from ALLY bank. I had a credit balance of {$5.00}. I requested a check In the amount of {$5.00} to Ms.XXXX on XXXXXXXX.I also spoke different employees of this bank on different dates regarding this check. So far I did not receive any check. The customer service of this bank was bad. They do not have any respect for the customer.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A