Date Received: 2019-04-26
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was feeling rushed checking out a Target, and the nice teenager checking me out asked if I had a Target card and briefly explained that I could save whatever percent if I signed up for one ; I was buying something expensive, so I tentatively said yes and started signing up. I should have known to stop the process when the employee told me that this would be a huge relief to her, as there was a huge amount of pressure being put on them to push the cards from management. The predatory marketing issue here is that this absolutely seems like you're signing up for a loyalty/savings store card ( as is common at store check-outs ) when it is in fact a credit card. Target employees had either poorly trained on explaining how the card works or instructed to be intentionally misleading. I finally stopped when the prompt screens began asking income information and for my social security number, but then my checkout person repeatedly assured me that this would not affect my credit and I would not receive a bill if I just didn't activate the card -- so I went ahead, just trying to get out of line and get a discount, thinking I had paid with my normal credit card I'd swiped. I genuinely believe that she just didn't understand how it worked, and we were both in a hurry ; credit cards are serious legal agreements with financial consequences that can follow people and their families forever -- they should not be sold at check-out like pack of gum. A separate counter, at least, where there's someone trained to explain the contract you're entering into would make more sense. Anyway, I read the receipt when I got home and called and successfully cancelled the card within 20 minutes of signing up, but I still got a card in the mail, and I am still getting statements, and have been told by Target card representatives that there is " no way '' for them to delete my information from their databases. I have also been alerted by the credit unions that my credit score has gone down as a result of this incident.
Company Response:
State: CA
Zip: 95472
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Last month my heart sank when I looked at my credit report and found out that my score had plummeted from between 825 to 840 to just above 600. After some investigating, I found out that TD Bank had reported me delinquent on something. I say " something '' because to date neither myself or TD Bank can tell me why this report was made, how to correct it or what department to contact. One agent even told me TD Bank owes me money!. I have spent hours on the phone trying to contact credit reporting agencies and TD Bank but the pain persists. Strangely enough, the negative mark went from a loss (? ) to being late and my credit went up but again but only to XXXX as there is still a negative mark where again, NO ONE CAN TELL ME WHAT ACCOUNT, WHY, WHEN or HOW TO CORRECT IT. I have written every one I can think of and can not get this corrected. I looked online and saw at least hundreds of others experiencing the same circular XXXX involving TD Bank even see a report of them settling a class action suit in 2016 involving ruining innocent consumers credit and am wondering how they can be allowed to reap so much ruin on consumers with impunity? Any help will be greatly appreciated!
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: TD permitted use of the card over the allowed credit limit and then charged me a fee and interest!
Company Response:
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Had issue working with XXXX after making a payment for XXXX and XXXX. Was instructed that payment wasn't posted for XXXX but for XXXX after making payment for XXXX in end of XXXX. Company failed to help or take that into consideration and have charged account to be late. Company still reported past due even though a payment was made for XXXX, XXXX, and XXXX, and XXXX. No letter was sent to me to share this information as well.
Company Response:
State: NJ
Zip: 07040
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX I sent USPS certified mail to TD Auto Financial, XXXX, XXXX and XXXX containing a letter of dispute, a copy of my XXXX and XX/XX/XXXX XXXX XXXX statements and a copy of my XX/XX/XXXX XXXX XXXX XXXX telephone bill. Only XXXX responded to my letter of dispute.suppling further evidence of error by TD Auto Financial. XXXX, XXXX and TD Auto Financial never responded to the dispute sent them. On XX/XX/XXXX I called TD Auto financial authorizing and/or scheduling a {$350.00} payment to be taken on XX/XX/XXXX with my debit card. ( See XXXX XXXX XXXX phone bill ) TD Auto Financial and/or the subcontractor they use to process phone payments with debit cards claimed that they tried to process the payment but could not because of NSF in the account. I provided copies of my XX/XX/XXXX bank statement showing that I had over {$5000.00} in my account on XX/XX/XXXX and No NSF 's in the history of my bank account. Subsequently, claimed I was 30 days late due to their failure to process my payment properly. I tried to set up automatic payments with TD Auto Financial only to recieve 4 late charges because they did not process the payments properly. Whereby, I set up automatic payments through XXXX XXXX and not had a single problem with late payments. I ask for an investigation into TD Auto Financial practices of failing to process payments timely resulting in late charges to customers unjustly. I believe that TD Auto Financial is purposely and intentionally fail to process customers payments properly and/or timely, so to generate extra revenue for their company, by charging customers the extra late fees unethically. Thus, I request an investigation into this matter. I have a copy of my telephone bill as proof that I called on XX/XX/XXXX to schedule payment.. I have my XX/XX/XXXX Bank Statement showing that I had over {$5000.00} in the account at the time they claim NSF in the account. I sent a dispute request and copies of my evidence certified mail to TD Auto Financial and the national Credit Reporting agencies which were signed for by the foregoing companies on XXXX, XXXX XXXX. The companies did not respond to the dispute letter and evidence sent to them. Lastly, they continue to report that I was over thirty days late on a payment, in which the evidence shows they failed to process the scheduled payment timely, If you investigate my account with TD Auto Financial it will be easy to see the discrepencies in billing..
Company Response:
State: AZ
Zip: 85705
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I continue to receive mail, addressed to the former resident of my house, from TD Bank ( credit card services ) even though I have been living here for over 5 years. Their customer service claims they are unable to fix the issue. I do not know if it is just junk mail or legitimate communications they are trying to reach their customer. They directed me to their marketing opt-out hotline, but I refuse to give them my social security number just so they can fix their own customer database.
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/2019 TD bank called my estranged sister in XXXX Fl. I live in NJ that person disclosed all information, amt that I owe and. date that I stopped making pymnts. My privacy has been violated. Im completely humiliated and ashamed I have several medical conditions and this just caused stress that is adding my condition
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The issue is this : My husband purchased a house in XXXX, the current occupants will be buying this home when they are able. In the meantime they are paying us to cover the mortgage payment. 1. My husband opened a checking account in the same bank as the individuals that will be buying the house, TD Bank. He also decided to have his retirement money sent ACH once a month to the account to keep it open per their bank rules. 2. The problem arose in the last two months with TD Bank, meaning I have the occupants of the house write me a check so I can pay the mortgage. Normally I deposit the check in my account which is in another bank. I decided since they were late with the payment to directly deposit the check into the same bank as it was written upon. 3. Unfortunately the check had to be rewritten four times, because one of the occupants went on a XXXX leave from his job and is getting his basic salary erratically. This was explained to me when I told them of the problem I was having with the checks coming back, stating insufficient funds and I am paying the fees. I told them I couldn't take another check unless I knew the money was in the account. They issued me another check whereas I knew the funds were available. 4. Since the reissuing of the same check several times, it came time to cover the current payment. The check was issued with funds being available in the occupants ' account since the TD Bank recording stated there was ACH deposit. Based on that information I deposited that check in my husbands account on XX/XX/XXXX in TD Bank. 5. On XX/XX/XXXX I tried logging in my husbands account to see what the balance was only to find I was not able to, it directed me to a customer service person. My husband gave permission for them to speak with me to explain what was going on. This is what I was told ; because of a negative balance I was not able to access the account, and once I paid the negative amount I would be able to access the account. Since I could not access the account, I asked what had happened and to give me a break down of what the amount is and for what.. The customer service person told me the negative balance was {$350.00}, I proceeded to ask for a more detailed break down so I knew what I was dealing with. I was told that the account was charged {$35.00} for insufficient funds and {$15.00} for a returned check plus several other items that she did not give me. My understanding is ; when a check is issued to you the presumption is that it is your money to spend how you wish, especially when I heard from the TD Bank recording that the funds were ACH deposited. into the account that the money was drawn upon. I asked the customer service to give me an explanation since I knew the money was in the account and what in the world happened. I told her why were we being punished and charged twice for the same situation. that we did not create.. I asked how does this get resolved since I can not get into the account, and she explained that I needed to pay the negative balance first. I went into the bank today with a new check which I knew the money was in that account and asked them to deposit it into my husbands account as cash. I was told they couldn't do it because the computer would not allow it. I asked them to cash out the check because it was written in my name, which they did. 6. This sounds to me that TD Bank closed out my husbands account unfairly based on someone else actions and he is paying the price. Does not sound legal. We were wronged in this matter by TD Bank and they should be held accountable. The correct manner is ; the negative amount to be paid by us, and we will close out the account, not TD Bank. Furthermore if they issue any derogatory remarks against my husbands name, we will take the necessary legal steps to correct this matter and we will put a monetary figure on the complaint issued against TD Bank for their unethical practice.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was denied a banking, The bank said it was due to my XXXX XXXX Report ... I requested the XXXX REPORT AND FOUND 3 different bank accounts open with balances and Judgments that were not mine due to Identity Theft. I want this removed from my XXXX Report it is causing me financial issues. I've placed a fraud alert on my credit report, and contacted the FTC.Gov. Please Remove this information immediately and send results to the address on this report I will be giving. ASAP. Thanks
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i had XXXX accounts with TD Bank. On XXXX credit report they show as XXXX ( Home equity loan ) XXXX ( Revolving line of credit ) XXXX ( Revolving line of credit ) i have disputed these with XXXX no less than 3 times. Each time the results come back " The information you disputed has been verified as accurate. '' I have tried resolving with with TD Bank to no avail. The account was apparently xferred to another branch and they are unwilling or unable to view much less provide me with statements. XXXX was paid in XX/XX/2016, it was not late, and it certainly was not included in any bankruptcy ( who includes a XXXX balance loan in bankruptcy?? ). I have given both TD and XXXX copies of XXXX showing account paid - this is ignored. XXXX if the idiots would pull copies of my checking account they would see payments being made each and every month yet they show this as going into 30 day in XX/XX/2016 and into collections in XXXX XXXX look at checking account ending in XXXX! XXXX same as XXXX
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A