Date Received: 2019-09-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My initial inquiry to TD bank. There is {$420.00}. XXXX in overdraft fees. For an XXXX ride {$20.00} was charged, but there is a charge of {$170.00} in overdraft fee. Then there was a repetitive XXXX credit/debit from my acct and fees was assessed to the multiple transactions. Please reimburse or credit the fees to my account today. The other fees and charges I acknowledge, how am I supposed to pay my bills and fees my children. Their reply : Good afternoon XXXX, Thank you for contacting us about a recent overdraft fee. We understand receiving an overdraft fee can be frustrating ; we want to provide options to avoid getting these types of fees in the future. Please know, TD Bank operates on Time Ordered Processing, which means transactions are processed in chronological order in which they are done. To avoid being assessed an overdraft fee, you must have the funds available in your account prior to making purchases or payments. Making a deposit or transfer into the account after the balance is overdrawn will not prevent the account from being assessed an overdraft fee. If funds are not available in the account at the time of the purchase, TD Bank may cover the item because you are currently enrolled in TD Debit Card Advance. TD Debit Card Advance is our discretionary Overdraft Service. By enrolling in TD Debit Card Advance, TD Bank may authorize and pay overdrafts at our discretion on ATM and one time debit card transactions. TD Debit Card Advance is in addition to our Standard Overdraft Practices, in which we may pay items such as checks, ACH, and recurring debit card transactions into overdraft at our discretion. With this option you may overdraw your account by up to {$5.00} without being charged an overdraft fee. We will charge you a {$35.00} fee for each transaction that overdraws your account by more than {$5.00}. We will not charge more than 5 overdraft fees per day. A merchant may attempt up to three times to collect the funds for a transaction if the funds were not collected successfully the first time. We recommend that if this happens you contact the merchant to postpone the transaction until the funds are available or you may place a stop payment on the transaction with the Bank. There is a {$30.00} service fee to place a stop payment. Please note, the overdraft fee is always assessed the next business day after the transaction ( s ) that caused the overdrawn balance has posted to your account. We recommend choosing the 'Not Enrolled ' option, this may reduce the amount of overdraft fees assessed to your account in the future. You may change your enrollment status at any time by logging in to your Online Banking, calling us at XXXX, or visiting your local TD Bank Store. For your convenience, we have listed all transactions, including deposits, payments, and purchases, on your account below : A credit of {$70.00} has been applied to your account for this fee as a one-time courtesy. This credit will reflect immediately in your available account balance. Please allow 2-3 business days for this credit to reflect on your statement history. If you have any further questions, please respond to this message or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week. Thanks, XXXX TD Bank Digital Specialist My Reply : Good Evening XXXX, Thank you for your reply and the reimbursement of XXXX However, I would like the remaining XXXX in overdraft fees returned to my account as well. I am fully aware of the transactions that were purchased and deposited to my account. I do not recall requesting the details of the transactions and it was redundant. FYI my card is enrolled in the TD Debit Card Advance. Please refund the remainder XXXX or I will have to take further actions by filing a complaint with the CFPB. Regards, XXXX Their Reply : Hello XXXX, Thank you for contacting us about a refund request. Please note, that TD Debit Card Advance allows you to overdraft your account to the Bank 's discretion. With this option you may overdraw your account by up to {$5.00} without being charged an overdraft fee. We will charge you a {$35.00} fee for each transaction that overdraws your account by more than {$5.00}. We will not charge more than 5 overdraft fees per day. We recommend that you unenroll from TD Debit Card Advance as this may help reduce the amount of overdraft fees assessed to your account. We apologize as we are unable to waive any additional fees for this account at this time. If you have more questions about this, or if there's anything else we can do for you, send us a secure message or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week. Best regards, XXXX TD Bank Digital Specialist
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2019-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Target credit card services has called me 66 times since XX/XX/16. Thats 66 times in 13 days! I have it all on my call log on my phone. This is definitely defined as harassment and it needs to stop! XXXX XXXX XXXX auto blocked their calls it was so excessive. And considering I already told them when I could pay it, and the reason I feel behind on my payments, due to my XXXX having XXXX, this is nonsense to keep harassing me.
Company Response:
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2019-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Back In XX/XX/2019 was hospitalized for a preexisting condition that became worse.I was in the hospital for over 3 months. when I finally was able to get in contact with Target credit card. they had advised to me that my account had been sent to a collection agency due to non payment. I tired to get in contact with the bank that Fiances the Target Credit card, however when my information would be authenticated it would directly send me to a collection agency. I had an extremely difficult time trying to get a hold of the customer service department for XXXX XXXX the financer for the target card. I was told that they were only able to waive one fee and that since the account was closed that I would have to speak to the collection agency and handle this with them. I called them and explain the circumstances to why I was calling and they told me that there was nothing they could. I myself work for a XXXX Company and understand that in certain situations we are able to clear and help customers out in the same situation that I was just in.normally in a situation like this we would go through the account and Rehab the customers account to ADJ any fees and or min payment ADJ so the customer would be able to once again have an account open or if not able to at least the customer knew that we would make an arrangement with them to pay the balance on the card with not an accumulation of fees and int. due to a customer having an illness, death, or any outside circumstance that a customer would not a direct control over.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I closed my Target XXXX Master Credit card at my request, and paid the balance in full. Prior to closing the account and paying in full. I made a payment of {$95.00} on XX/XX/2019, the due date was XX/XX/2019 and I acknowledge the payment was late, but not 29 days late. I paid the balance in full on XX/XX/2019 in the amount of {$3000.00}. I reviewed my credit report and it states Target Mastercard Potential Negative status. I spoke with XXXX XXXX on XX/XX/2019 and he advised the payment was one day late it is considered late, I advised it was under 29 days late, and for you to report to the credit bureau I paid over 30 days late is incorrect. I requested a letter from XXXX/Target bank to send a letter stating me account was closed at the consumer request and paid in full. XXXX XXXX advised XX/XX/2019 XXXX XXXX reported I was 30 days late on my account, which was inaccurate. I was one day late!
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hi! I opened my Nordstrom Rewards credit card back in XX/XX/2019. I have made a few purchases and payments since then. I tried to login and make my payment on XX/XX/2019and was unable to get it. I called the phone number on the back of my card and they advised me after I made the payment that I needed to send in proof of my identity. I sent in a copy of my social security card, copy of my drivers license, and a utility bill. I kept calling to check on the status and no one could give me an answer. On XX/XX/19 at approx XXXX XXXX I spoke with XXXX operator ID XXXX and she said to me that she is closing my account because something is wrong with my social security number and I need to call the social security administration. I do know that isnt true because I have opened several accounts and just purchased a car, not to mention file my taxes with the same social security number that I have had for 43 years. I said to her that I do believe its a act of discrimination because you didnt close it until I send the copy of my drivers license. I have had this account since XXXX and my social security number had to be verified when you gave me the account. I have made my payments and extra payments. XXXX also asked me twice oh is this the first time this is happening to you and I advised yes I have several accounts and have never had this issue. XXXX advised it was her decision to close it and I advised I will obtain me a lawyer. This is not right and something needs to be done about it. Thank you. This has also been going on for almost a month and I have yet to receive any correspondence in regards to this matter.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Respected Senators C.F.P.B IT IS SORRY TO COMMENT. SINCE XX/XX/2016 COME PLAYING WITH MY BANK ACCOUNTS BY PUTTING MY LOGIN. TD BANK HAS A COMPLOT AGAINST XXXX XXXX XXXX AND THE EXPERT CIBER PIRATES OF XXXX BULLYING WITH MY CHECKING ACCOUNTS ... EVERY DAY THAT I TRY TO CHECK MY ACCOUNT. I PUT TDBANK AND IT PAGE WAS CHANGED BY XXXX XXXX ... XXXX XXXX. ( BULLYING TRAS BULLYING PLEASE NOTIFY TO THE BOTHS CEO OF TDBANK AND EMPLOYEE EXPERT IN XXXX XXXX XXXX. CEO MR. XXXX XXXX. BULLYING SINCE XX/XX/2016 TO PRESENT.XX/XX/XXXX NEW ADDRESS OF MR. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FLORIDA I HAVE THE NECESSITY TO LOGING TDBANK TO CHANGE MY ADDRESS BUT WAS DIFFICULT WITH IT'S FUNNY EMPLOYEE.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX. I noticed on my credit card statement a transaction made at a XXXX in Minnesota on XX/XX/XXXX. They cancelled my credit card immediately. They said that they would then look into the transaction and it turns out that there were 6 transactions made totally {$340.00}. I called them again later that week and nothing had been done. I called again the XX/XX/XXXX. I had not received my new credit card as of yet and nothing was credited to my account. I called again today. They said that they are putting it in as a non fraud case to XXXX because I do " business '' with XXXX. So because I have bought XXXX food in the past a few times over a few years I must have bought this food 6 different times in one month in a state I've never been in. Under the Error Resolution Notice which they had no idea about they are not crediting my card like they are supposed to.
Company Response:
State: VT
Zip: 058XX
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on account. I want you to know that I understand my financial obligations, and if it werent for hardships, Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed, Ive had a spotless record of on-time payments. I applied for a home for my family, and its come to my attention that the missed payment on my record hurt my ability to qualify due to the low score. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all the late payments. Thank you for your consideration, and I hope youll approve my request.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
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: XXXX HAVE REPORTED ME FOR AN ACCOUNT THAT I DID NOT OPEN AND IT'S CAUSING ME A HARDSHIP. TD BANK CONSUMER ID NUMBER XXXX
Company Response:
State: CA
Zip: 93703
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
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: Re : NORDSTROMTDBANKUSA XXXX XXXX XXXX XXXX XXXX, CO XXXX I made a timely payment to Nordstrom from my checking account from XXXX XXXX XXXX XXXX in XX/XX/2015, check number XXXX for {$100.00}. Unfortunately, my bank charged me 3 separate fees of {$30.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in error for one check. I sent a letter from my bank explaining that it was a bank error that caused my check to not clear. They would still not rescind the reporting to the credit bureau. I had no other missed or late payments to Nordstrom in the history of my having an account with them. My account number with Nordstrom is XXXX XXXX XXXX. I have had an account since 2015. Their customer service number is XXXX.
Company Response:
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A