Date Received: 2020-09-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Target, and their issuing bank TD Bank, lowered the credit limit on my card without informing me 45 days in advance of the change as required by law. I have a 800+ credit score and have paid the Target card in full multiple times.
Company Response:
State: UT
Zip: 84096
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I went on the website to make a payment, and after I enter my information the site froze. So I called to make the payment over the phone so I would not receive a late fee. 2 payments came out of my account but I only received 1 confirmation. I called the company they said that it would take 2 weeks to get my money back. I advised them that I could not afford to wait 2 weeks. I advised them that I will dispute it with my bank. They charged me a fee when i didn't get any notification of the payment on the website and they refused to waive it. Also I have to call every month for my payment to post to my available balance.
Company Response:
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On the XXXX of XX/XX/2020, I enrolled or created a XXXX Account ( US ) profile with the sole aim of purchasing a smartphone through Finance, and I applied for the Credit through TD-Finance ( NA ) and the sum of {$2200.00} was being approved and immediately I placed my order after few minutes email messages are being sent to me that we are sorry your order is being canceled, several repeated orders were placed and all ended canceled with messages that my information could not be verified, several emails and called was being made to XXXX ( US ) but all to no avail, the company was not ready to get the problem fixed also the Bank ( TD ) is not rendering any meaningful assistance to get the issue resolved, they keep passing the buck and none is taking responsibilities to get the anomalies resolved. The main frustrating aspect of this whole process is that XXXX is categorically stating to me that, I have to use a different payment option to make my purchase, that my approved credit can not be used, knowing that the credit was been approved to me by her assigned banker for the main purpose of purchasing a phone. On the XXXX & XXXX of XXXX emails and reminders were sent to both XXXX XXXX and TD bank NA, no deemed it fit to respond. Very unfortunate and frustrating no one is responding to emails I please humbly request that you please intervene in this situation, even if that both ( XXXX and TD Bank ) can not find a common ground to fix this problem, whatever TD bank is going to resolve to, should not affect my credit score which I have over the years built and guided, XXXX, the purpose of this credit request is to keep building my credit A fair resolution I would accept since the company ( XXXX US ) has stated that I can not make a purchase with my credit, TD Bank should please revert to the status quo without having any negative impact on my credit score. The credit is not useful or beneficial for the purpose it was approved for and likewise, it can not be used to make purchases with other merchants.
Company Response:
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Each time I try to apply for the Nordstrom store card or Nordstrom VISA Card in this case Application number XXXX and I get a message to call credit. This is my third time applying online and I call only to be declined.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Today l checked my annual credit report. There is a credit card from XXXX XXXX XXXX XXXX XXXXTD bank opened XX/XX/2019 on my report. I did not open this card. Luckily, nothing has been charged or paid on it. I want this account closed. I have been on phone ( s ) for hours, on hold with both XXXX XXXX TD bank. Because l only know about this card via my credit report, l don't have all 16 digits of the account number to close it online. Also, because l didn't open this account, my phone number doesn't match up with anything they have on file.
Company Response:
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Some time in XXXX I place a call to Target credit card. I ask the the Target Rep if I can skip a payment for XXXX due to the Covid 19. The Target Rep said she could help me with my situation. Then in XXXX I went online and paid my Target Account in full and thought nothing of it, until I went on my XXXX account and notice my credit score drop by 62 points. As it happen Target report me late on my payment and I was penalized for it. I call Target again and I talk to a Rep named XXXX I explained to her what had happened and she explain to me that she showed no records of me calling. We discussed my situation for a while and she said there was nothing she could do for me. So Im stuck with a negative credit report. Unfair
Company Response:
State: CA
Zip: 90744
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
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 signed up to a 30 day trial subscription to a newspaper called XXXX XXXX using my Target MasterCard. This trial month ended Tuesday XX/XX/XXXX, XXXX the day after XXXX XXXX. I wanted to be sure to cancel my trial subscription before XX/XX/XXXX in order to avoid being billed {$79.00} for a newspaper that I didnt want to continue getting. I went to the XXXX XXXX website on XX/XX/2020 to cancel my trial subscription. When I tried to cancel on their website it said call to cancel. I then called them at XXXX XXXX PST on XX/XX/2020 but no one answered and, conveniently, there was no option to leave a voicemail! Because of this I then sent a cancellation email to XXXX to inform them I wanted to cancel. I did this because I couldnt leave a message and if they didnt have someone answering calls on Sunday afternoon it was highly unlikely anyone would answer their phone on Monday, XX/XX/XXXX which was a holiday- XXXX XXXX. I received an automated confirmation email from them the same day XX/XX/2020 confirming they received my cancellation email. However, on Wednesday XX/XX/2020 I incurred a charge on my Target MasterCard for {$79.00} from XXXX XXXX. The next day, Thursday XX/XX/2020 at XXXX PST I called XXXX XXXX to confirm my cancellation and the employee I talked to told me it was too late to cancel my trial subscription but if I couldnt afford the subscription they had payment plans! I told her I did t want a payment plan and that I emailed to cancel on the XXXX of XXXX. She told me she would take my word that I emailed in and cancel my subscription. No need to take my word- they emailed confirmation they received my email from XX/XX/2020! On Tuesday XX/XX/2020 at XXXX PST I received a call from XXXX from XXXX XXXX wanting to discuss my subscription. I looked at my Target card account and the {$79.00} charge from XXXX XXXX was still there! The lady I spoke with on XX/XX/XXXX hadnt removed it as she said she would. At this time, rather than calling XXXX again, I contacted Target card services to file a dispute. The gentleman I spoke to took down my name and information pertaining to the dispute and told me someone from the disputes department would be contacting me. In the next few weeks after that reps from XXXX XXXX called me approximately 10-12 times to try to convince me to stay subscribed or to convert me to a shorter subscription term but no one from the disputes department contacted me. Approximately a month later I finally received a letter from Target card services stating that they had talked with the merchant and then sided with the merchant and that my dispute was closed! They didnt even contact me to discuss my dispute or ask for supporting documents from me! This was absolutely mind blowing to me. Why have a disputes department at all if you arent actually going to investigate disputes? Upon receiving this letter I called Target card services again and was connected to the disputes department and talked to a supervisor named XXXX who seemed very empathetic. She talked over my case and asked me to fax in a copy of my cancellation email and said she would take care of this dispute. I promptly faxed in my cancellation email to her personally at Target Card Services and waited for a resolution. About two weeks after this I received a letter from someone else at Target card services saying they never got my fax and my dispute was closed a second time- in favor of XXXX Times! I immediately called Target Card Services again and they reopened the case and asked me to re-fax the email. My girlfriend XXXX did that for me on XX/XX/2020 and we have the fax confirmation. On Monday XX/XX/2020, after not hearing from them in almost 2 months I called them to see what was going on. The lady I talked to said the disputed department was closed and shed have a supervisor call me the next day. A supervisor named XXXX did call me the next day and left me a message saying they would need to arrange a conference call between me and the merchant to resolve this as the only way I would be released from this charge was if the merchant agreed to release me from it! This is absurd! I cancelled my trial membership before the date required and I have proof of my email which I already provided to Target and a time/date stamp on my phone showing my call to XXXX XXXX on XX/XX/2020 two days before the cancellation date! I am not getting anywhere with Target card Services and need your assistance.
Company Response:
State: WA
Zip: 98053
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have been repeatedly getting spam mail from TD Bank for the past 3 years. I first complained about the spam mail to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX ( Complaint # XXXX XXXX. At that time, TD Bank responded to the CFPB complaint by claiming I could permanently opt out of all spam mail from them by using a link they provided in the response. So, I used the link they provided in the response to permanently opt out of all spam mail from them. But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. So, I filed another CFPB complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX XXXX. This time, TD Bank responded to the CFPB complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. So, I filed a XXXX XXXX XXXX ( XXXX ) complaint about the same issue on XX/XX/XXXX ( Complaint # XXXX ). This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. But then, in XX/XX/XXXX, I once again started receiving the same spam mail from TD Bank as before. So, XXXX re-opened Complaint # XXXX about the same issue and asked TD Bank to respond to it. This time also, TD Bank responded to the XXXX complaint by claiming they had permanently removed my name and address from their mailing list to completely stop all spam mail. Last week, I received the same spam mail from TD Bank which I had received before on several occasions. Under the CAN-SPAM Act, once a spam recipient opts out of spam sent by a sender, the sender is legally requited to honor such an opt-out request. But instead of complying with the law, TD Bank keeps blatantly lying ( in their response to every complaint ) they have honored the opt-out request when, in fact, they have done no such thing.
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I am writing in regards to my auto loan with TD Bank originated on XX/XX/XXXX. This loan has been paid off in full as of XX/XX/XXXX. My concern involves the final payoff payment of {$200.00}. For the 5 years of my auto loan I enrolled in auto payment and was never late on a single payment. I was unaware that the final payment would not be paid through auto payment as all the previous payments had always been prior and there was no communication from TD Bank to communicate this change. When I had not received the title of the car after a few months, I logged into my online account to check the status of the loan and realized that the final payment was still due. I paid this immediately on XX/XX/XXXX, however, at that time the account was already past due over 90 days. I remedied this as soon as it came to my attention. Recently, I ran a credit check as I am in the process of refinancing my home. It was then that I realized this final payment issue has negatively impacted my credit score. I had been diligent about paying my auto loan on time for 5 years ( as well as all my other bills ) and my account history was always in good standing. I had reached out to TD Bank to try and resolve this since the loan is now fully paid off and this was only late payment over the course of 5 years in hopes that this will not negatively impact my credit score and financial health for the next 7 years. I am very diligent about ensuring I am responsible financially and am frustrated that I did not receive any communication instructing me that the final pay off amount would need to be paid manually.
Company Response:
State: MA
Zip: 02131
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hi, this is a continuing problem that will happen every time I try to do it. I have an account with td bank. I was able to access the XXXX XXXX thru td 's online banking as that is what they offer. At some point XXXX flagged us for something and froze our account. We can therefore not send or receive money using XXXX. We do not know why we were flagged. Td bank can't tell us as XXXX is the one that flagged us. XXXX won't talk to us because we have the service thru a bank. Sooooo ... ... here we are. We have no access to XXXX with no way to find out why, let alone fix this problem. I would like to be able to use XXXX. It's a big part of online banking.
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A