Date Received: 2020-07-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Missed a payment due to the Nordstrom website not allowing payments. I was unable to connect to a phone and make the call. I was able to access the website via my computer but the website was broken and not allowing me to make a payment. Hoping to dispute these charges and get them removed to have less of an impact on my credit score when it was the company 's fault where I wasn't able to make a payment.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: 1 ) I submitted a dispute with TD bank and indicated I had both Audio and a transcript of the audio with them that shows they did not have a correct email address for me. 2 ) Because I was enrolled in electronic statments, notifications emails " bounced back '' when they tried to contact me. 3 ) I submitted a disupte and asked for a way to submit both the audio and the transcript to prove the point. 4 ) TD bank did not respond and instead just rejected my dispute. I have attached all document and the audio related tot he dispute. This resulted in a 30,60,90 and 120 day late on my account and this is extremely derogatory for my credit report. TD bank did not try to resolve the issue with me and they should have that responsiblity if they want to be allowed in consumer banking. You will find TD bank provides no email address nor method to provide files related to disuputes and they should.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have try to work a payment plan with Target stores! No success there! Due to XXXX Im unemployed!! Limited income! Last payment made on XXXX XXXX {$82.00} card balance {$160.00} now card balance {$320.00} due to increments of {$39.00} in late fees!! Dont mind paying interested!! I have try to work a payment plan!! Dont agree with late fees!! I appreciate the understanding of the situation we all leaving now!!! Thank you
Company Response:
State: TX
Zip: 78602
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have had repeated issues with TD BANK blocking my cards and most recently my ability to access my online banking due to being in another country. I advised my local bank I would be traveling abroad and there were no problems until they went to an automated security system which blocks my card about every 2 months. I recently had to file a complaint after roughly 50 consversations with the bank about the issue. My card was finally unblocked for at least the 10th time in two years within the last month. Roughly two weeks later, they blocked my accesss to my online banking account. I can answer all security challenge questions and even did so on the phone. Their reply : If you don't have a US phone number that we can send a text code to, you can not access your account. Having this as the only option is a violation of their duty to the consumer and is incomprehensibly irresponsible that somebody can verify all security information and still be denied access to their account. Please request the recording of my discussion dated XXXX XX/XX/2020 with the TD Bank Customer Service Supervisor who did everything in his power NOT TO HELP, until I refused to leave, became aggressive and insistent. Combined with the past violations by TD of rigging XXXX XXXX, Structuring Tranactions and otherwise being either dishonest and uncaring about their customers, they should either be forced to reform and have their license to do business in the United States revoked. Despite repeated calls about this issue, I have never gotten any action until I have gone this route, via CFPB. Within minutes of writing this and trying to access my account for the information requested on page 4 of this complaint, I have yet again, been blocked.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX? Bank usa/targetcredit {$530.00} Account is not my account. I have called to resolve this issue many times since 2013. I asked the company to remove the collection and produce documentation regarding this debt. I have not received any proof that this debt belongs to me. I amasking CFPB to investigate the improper reporting to be removed from my credit and to be remove bad debt reporting in all bureaus. Thank you XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I wrote a check to myself in the full amount of my paycheck of {$1800.00}. and made a mobile deposit on XX/XX/2020. The funds were supposed to be available the next business day XX/XX/2020. The following business day when my funds should have been available instead there was a hold placed on my account with the following description : ( FM Deposit Hold-See SM ). I wrote the check to ensure that it met the minimum balance requirements of this account to avoid a fee until I'm able to have my paychecks directly deposited into my account. The check has been paid by the bank the check has come from but I still have a hold on my account for that check, and was told by your company that the duration of that hold will be 6 business days, which ensures that the earliest amount of time the funds would become available will span between 2 business weeks. I have absolutely no money. We are living in times where we fear every day for our health, financial security, and overall well being. Rent is due the XXXX of the month and this situation places a greater burden on me that adds to the stress we already endure.
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: RE : Target Card Services Mail Stop XXXX XXXX XXXX XXXX XXXX, MN XXXX I had a credit card through Target Card Services for several years. During the past year, the company has repeatedly either failed to send my billing statements on time, or has failed to send them at all. This lead to me having to make last-minute payments online more than once, simply because I had not received a bill. Last month, I canceled the account due to these ongoing billing problems. I paid the account off in full in the amount of {$58.00} via an online payment. Please note : I did not submit the payment to my bank. Target Card Services did. They submitted the payment incorrectly, and told me the payment had been " returned '' because my bank account could not be found. I submitted the payment again without updating any information. as all information was correct. They submitted the payment again, and the payment went through. I had to DEMAND that the account be canceled over the protests of some customer services person who tried to talk me out of it. I thought I was done with their errors. This morning, I received an email notice that they have billed me for a fee of some kind due to their own error in submitting my payment to my bank. While it ; s only a dollar, I see no reason I should have to pay them XXXX red cent for their own inability to submit the payment request correctly. Upon receipt of this notice, I contacted Target Card Services customer services at XXXX immediately, and was told they do not have the ability to remove the charge. I believe this charge is a scam, and that they have no right to charge me for their own errors.
Company Response:
State: WI
Zip: 54901
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: purchase mattress at Raymour & Flanagan, XXXX PA store - XX/XX/19 salesman convinced me I should charge on y R & F credit acct and I could pay 30 days after receipt of bill from them. I moved and changed my address -mattress was delivered to my new address. New house-lots of purchases, so did not notice that I had not received a bill until I got one in XXXX. This bill was from TD Bank and had late charges. I called them. They said they had sent 3 bills to my previous address and the third one was returned to them. They then contacted R & F and got my new address. They said they would take away charges and I drove to R & F and told story ( I never opened a credit card with TD bank ) I paid for the mattress on that day XXXX/XXXX/19 to R & F. TD bank continues to bill me with more late charges and said they dd not receive that payment until XX/XX/XXXX. I have pages of correspondence to TD bank as well as XXXX XXXX XXXX ( who refused to do anything ) TD Bank has now turned the sum of {$200.00} to collection agency and notified the credit bureau. I am XXXX yrs old and have perfect credit - always pay in30 days. I believe R & F is at fault as the never gave my new address t TDd Bank and I am not sure why It was T bank that is billing me as I used a R & F credit card. TDd bank even sent me a credit card which I did not request. R & F told me TD handles their financiia accounts but I was not aware of this if I pad R & F 30 days from bill. I do not plan to pay these fees. Thank you for your help an concern. I have lost a lot of sleep over this.
Company Response:
State: PA
Zip: 18944
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: This is a new complaint against TD Bank. The issue of discrimination was not addressed by the bank in my prior complaint # XXXX. My husband and I applied for a refinance of our primary mortgage in XXXX/2020. The process was delayed, communication was poor and multiple requests for the same information was used to delay the processing of our application. Given my field of work, I was able to respond within 24 hrs for all requests. However, this process was significantly delayed and TD Bank purposely allowed the rate lock to expire by not handling our account expeditiously. There are many documented emails to this effect. This delay was purposeful and we are highly qualified applicants who indicated that we are XXXX. This discriminatory practice should be sanctioned. The only outreach from TD Bank regarding this situation was after the above complaint was filed, conspicuously the day the complaint reached the company.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A