Date Received: 2023-03-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: TDXXXX opened a retail account without my consent and approval. I contacted the company on XX/XX/XXXX and they are doing nothing to fix the issue. This account needs to be closed ASAP
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: If on XX/XX/2023, an account review was conducted, and the decision was made to end the banking relationship. Then what happens to the check that I deposited for {$8300.00} on XX/XX/2023 if it is indeed unable to be verified by maker? If On XX/XX/2023 a secondary review was completed the decision was upheld to still restrict my personal account, where is the check for {$8300.00}? If the check still needs to be verified and you TD bank can not locate the maker as it does not show up as a registered business in the state of NY, why are you still holding on to the money? Return the money back to the check makers account from whence it came from TD said ULTIMATELY meaning : finally ; in the end. If finally in the end TD can not locate the maker of the check as they have confirmed then why is TD still holding on to the {$8300.00}? In the end, they are unable to find the maker. That sounds like a concluded investigation to me. So they need to return the money back to the account from which it came from. Ultimately there is no investigation if ultimately you can not locate the maker. TD needs to send the money back to the original XXXX account from which it came as they have all of the account information there is nothing stopping them. If TD truly suspects fraud, why would they want to hold on to fraudulent funds? I am fine with TD ending our banking relationship and I am fine with my account being closed, not restricted. I do not want an account in my name with restricted access. I am not fine with TD keeping funds that does not belong to them after they have clearly ultimately reached a decision. Please provide an answer as to when the funds will be returned to the original account from whence it came from. Please provide what steps has TD taken to locate the maker of the check? Please provide what information you have used to try and verify the maker of the check.
Company Response:
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hello, On XX/XX/XXXX I mistakenly sent a XXXX payment of {$1000.00} to the wrong recipient XXXX XXXX XXXX ) XXXX. I immediately contacted her and let her know that I mistakenly send her the funds and if she could please return them. She said she opened a case with TD Bank Case # XXXX. I also opened a case with my bank XXXX Bank XXXX number : XXXX. XXXX says the funds are not in her account, and TD Bank is in possession of the funds. XXXX claims they have been unsuccessful in retrieving the funds. I called TD Bank to sort out the recovery of the funds, but they are unwilling to assist. The recovery ID on TD Bank is XXXX XXXX Any intervention will be greatly appreciated. Thank you
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Nordstrom Visa Nordstrom Card Services XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX Chargeback Investigations Lead Office XXXX Supervisor- XXXX XXXX I have included the full names and phone numbers on the attached document for your reference Date of fraud/scam : XXXX XXXX XXXX Amount of charge : {$1300.00} Location : XXXX XXXX Gas station ( closest gas station to the airport XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fake POS device used and fake merchant business name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Nordstrom Visa was notified 24 minutes after my credit card I believed was skimmed at a gas station in XXXX, XXXX XXXX XXXX. I told them as soon as I realized I had been scammed to not pay this merchant and that it was fraudulent. The proof the fake merchant provided to Nordstrom Visa and they accepted was a fake receipt with a time of XXXX. I called Nordstrom Visa at XXXX. The signature on the receipt also does not match my signature. I was at the XXXX XXXX XXXX past security with a boarding pass when the receipt was supposedly signed. I will go into great detail of the sequence of events in the attached file. It will include proof that statements are true, proof that it was physically impossible for me to be at the location of the receipt and how exactly this was pulled off by the crooks. I also reported the crime to XXXX, the XXXX Consumer protection agency. Every interaction I have with this XXXX agency I have made sure to copy XXXX from Nordstroms Visa. I also contacted the hotel we stayed at XXXX and the car rental company to warn them of the scam so they could protect other tourists. On XX/XX/XXXX Nordstroms Visa declined my claim. Nordstroms is NOT looking out for their customer. If you pull up my credit report you will see that I have a credit rating of XXXX. I am a law-abiding citizen that will not get taken advantage by a credit card company that wants the easy way out or contribute money to thieves in XXXX. I can proof my case in 2 ways : 1. Factually with a timeline of the events. The fake receipt provided by the fake Merchant ( XXXX XXXX ) to Nordstrom Visa happens after I had called in the theft/scam on their fraud line. I have receipts and pictures that place me nowhere near where this fake transaction took place. Timeline : - credit card 1st put in POS device at XXXX for gas. Pictures places me at the gas station at the exact time the charge shows on my XXXX XXXX Look at the pictures time stamp and gas pump picture time stamp. I was at the XXXX gas station. - My Picture of gas pump : XXXX. - Receipt of Car rental return : XXXX at XXXX XXXX Just came from pumping gas. - Phone bill showing a call to Nordstrom visa to report the crime : XXXX ( credit card company has a recording of my call where you can hear I was at the airport and reporting to them my credit card was used fraudulently ). - My Digital Boarding pass : XXXX shows that I am at the airport - Fake receipt shows signature at XXXX. I was at the airport. The fake receipt shows their address is located 20 minutes away from the airport. I was about to board a flight in the airport. I also have other receipts from my family placing us in the airport at that time. - The signature on the receipt is not mine. Look at my XXXXXXXX license. 2. Proving this is a scam done over and over at this gas station. I have provided to Nordstrom Visa many similar scams for them to see how this all played out at the gas station once I was back in the United States. There is actually one tourist that was scammed at the same gas station with the same POS machine being used ( one that charges to the same merchant- XXXX XXXXXXXX ) on the victim 's credit card statement. When at the gas station you believe the POS machine being used is for the XXXX gas station. I found this complaint on XXXX. It happened to them on XX/XX/XXXX. This was 17 days before I got scammed exactly the same way. It is unreal that Nordstrom 's can overlook this proof. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX, CA XXXX XX/XX/XXXX My review is the same as XXXX XXXX . They stole 3 of our credit card numbers using a secondary CC machine. The employee jept saying that the credit card we gave him didn't work. So we gave him another then a 3rd. Then we gave up and paid in US dollars. This morning we woke up to 3 charges of {$1200.00} ( USD ) to a place called XXXX XXXXXXXX. Too bad we didn't read XXXX before going here on the way to the airport. I'm trying to get a hold of the police to report them. Stay away in case you check here. Also, the overhang says it's XXXX, but XXXX maps calls it XXXX. I also just found another tourist complaint on XXXX about the same gas station using the same scam. The only difference is that the POS machine is now charging as a different merchant. The date for this victim was on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Save They've upped the ante. Yesterday we filled our rental car before returning it at the first XXXX towards XXXX XXXX to the tune of {$22.00} US ( {$390.00} pesos ). Stupidly we gave them our credit card ( Visa ), having avoided using it the whole time ( I know, I know, 50 years traveling in XXXX and overseas you'd think I'd learned... ) We'd run out of XXXX deliberately as we were flying out. Beware -- the new scam is they ask you friendly questions : " Are you are tourist or working? Just arriving, orf flying out? " Making friendly small talk to distract you and but it's discern if you are about to board a plane and won't be local and able to return to deal with them. While not looking they ran our chip card through a separate swiper called a XXXX as XXXXXXXX XXXX XXXX XXXX ', charging us an additional {$1300.00} in US dollars. At the airport my Visa emailed me that they had declined the {$1400.00} dollar charge, but I had to make several calls to change my card number. Beware of XXXX XXXX XXXX XXXX XXXX charges appearing on your credit card at this XXXX. Edited : XXXX XXXX XXXX XXXX XXXX Please note : At the gas station I was told it was only a hold for the gasoline never a payment and then told the chip on my credit card was broken. I believed the machine belonged to the gas station. Please note in XXXX all merchants have you sign a receipt after a transaction has occurred. That is probably why the merchant turned in the fake receipt to Nordstrom Visa. The merchant ( thief ) was not aware that I had already called Nordstrom Visa prior to the receipt time and was at an airport about to board a flight when they claim I signed the paper. I called Nordstrom Visa to notify them that my credit card had been skimmed as soon as I put together they were thieves. This took place prior to the receipt. Nordstrom Visa has a recording of my call made 24 minutes after the incident where I explain what happened to me. Please see the attached files for my proof and for the documentation that I turned into the XXXX Agency.
Company Response:
State: FL
Zip: 33629
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I got married and moved. I have tried to change my information online and through phone calls. They never properly changed my information therefore I did not receive my statement.
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I purchased a XXXX XXXX XXXX XXXX I ended up XXXX XXXX XXXX and fell in to a position to where I could not pay as I waited for my XXXX pay. It was repossessed due to my inability to work. This loan has been reported as closed for a few years now and every so often it is reporting as a new loan. The dates keep resetting and statute of limitations is XX/XX/XXXX. I would like this handled as it keeps ruining my credit reports after 3 times of repairing it. As a XXXX XXXX XXXX XXXX I am asking for relief for this loan.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section its noted the account has been disputed but reporting incorrect information.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My husband is deceased and someone tried to open up a Nordstrom credit card in his name. I received a letter from Nordstrom declining the application but I am now highly concerned about Identity Theft since someone out there has information and is trying to use his name to get credit cards.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Pursuant to 18 U.S.C. 8, 18 U.S.C 893 & 894, 18 U.S.C. 1028A, 15 U.S.C. 1605, 1635,1662, 1666b, 1692, & 18 U.S.C. 1962 I have been extorted! It appears that TD Auto Finance financed an extortionate extension of credit as I discovered my private property was stolen on XX/XX/XXXX at or around XXXXXXXX XXXX. After calling the local police department, I was informed that my private property had been " repossessed ''. I was very confused because I never gave authorized consent for TD Auto Finance to transfer my nonpublic personal information to any unauthorized third parties, meaning TD Auto Finance has committed identity theft. I called TD Auto Finance on XX/XX/XXXX and spoke to employee # XXXX and she informed me that in order to receive my private property back, I had to " pay '' {$10000.00} or they would sell my private property at a public " auction ''. This sounds like extortion and a violation of the Fair Debt Collection Practices Act under 15 U.S.C. 1692d ( 4 ). Because they involved unauthorized third parties, XXXX and XXXX XXXX, to steal my private property, that would meet the elements of conspiracy. TD Auto Finance failed to validate the alleged " debt '' pursuant to 15 U.S.C 1692g after being asked to send valid documentary evidence of an alleged previously " contracted '' debt. Employee # XXXX proceeded to tell me that I was " late '' in making payments but I believe they are improperly recording their books of account because according to my consumer credit report, this account was " charged off '' so I'm not sure how they are reporting " late payments '' when the alleged debt has been sold. Sounds like they may be guilty of tax and/or insurance fraud. I have never received any tax forms related to this account, nor did I receive the recission forms they were required to send under federal law. Pursuant to 15 U.S.C 1666b- timing of payments, " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' Further, because the private property was seized under the directive of TD Auto Finance, it appears they have violated 18 U.S.C. 894 as well, by collecting an extortionate extension of credit. I have sent TD Auto Finance a Notice of Claim and Intent to Sue and Opportunity to Cure. I have also sent them a Records Request for the following documentary evidence pursuant to 15 U.S.C. 44 : 1. Please provide the verified books of account for account # XXXX. 2. Please provide the original application containing the security instrument that was used to open this account. 3. Please provide the original retail installment agreement containing my wet ink signature alleged by employee # XXXX. 4. Please provide documentary evidence that I received the proper rescission forms that were required to be given to me pursuant to 15 U.S.C 1635. 5. Please provide validation of the alleged debt including the original instrument on the underlying obligation to be made payable if I was in fact loaned anything of value. 6. Please provide the warrant obtained for seizure of my private property. 7. Please provide the name and contact information of the man or woman with firsthand knowledge of the facts regarding this account who will testify under the penalty of perjury as to the validity of all produced documents. 8. Please provide me all tax documents related to this charged off account. TD Auto Finance failed to provide a warrant for the seizure of my private property and is liable for depriving me of my civil rights ( 42 U.S.C 1983 ) of due process of law and to be free from unlawful search and seizure without warrant under the Bill of Rights Articles the Fourth and Fifth. I am harmed and damaged by their negligence, incompetence, and criminality of law for invasion of privacy, theft, identity theft, extortion, conspiracy, violations of the Truth in Lending Act, Fair Credit Reporting Act, and Fair Debt Collection Practices Act.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: TD retail sent a letter in the mail stating an credit card was opened. I called to state it was fraudulent, and tried to go through fraud dept to dispute. After multiple phone calls from collections, I blocked the number. Roughly 30 days after the first report, I received my first letter in the mail stating I still owe money. After dealing with 5 people and 3 different phone numbers, I was told an affidavit was mailed to me, which I never received, and since it never was filled out and returned, they denied the claim and are asking for funds. Going through the entire process again and not feeling confident.
Company Response:
State: CA
Zip: 92675
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A