Date Received: 2023-12-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not have knowledge of these inquiries made on my report. I had I had my identity stolen since XXXX without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2023-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 TD credit card charged my checking three times the amount due total amount is {$8200.00}. I called TD credit card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was told each time that I had to wait XXXX to XXXX business days, today is the XXXX business day.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: TD Card Services within the last year started a new cash rewards program, which they did not even notify me about via mail or email. I had to find out on my own by accident while googling something. Unfortunately I did not find this out until mid XXXX, and when I called about it and expressed I was upset that they did not notify me, naturally nothing was offered to me such as a {$50.00} credit towards my balance when it was an error on their end that I never received notification about this new program, which has been going on almost this whole year, so I had been missing out on a lot of rewards points. Had I known about it, I wouldve used this card for a lot more purchases and racked up a lot more points than I already had. And, if I had never stumbled across this information on the internet by accident, who knows how much longer I wouldve never known about it. Apparently never since they failed to notify me about this. You would think for that alone and the fact Ive been with them for like the last XXXX years, TD in general for the last XXXX years, that they wouldve offered me something. But of course not, because they dont care about whether or not they keep their customers apparently. And so this next part of the story really shows it. So back to when I called as soon as I found out about this new program which was XX/XX/XXXX or XXXX The agent gave me my options for the 3 % and 2 % cash back. There was gas, grocery, dining, entertainment and travel. I told her gas for 3 %, and dining for 2 %. I use my XXXX ( XXXX ) card for groceries, so it wouldnt make sense to use that for any of the higher percentages. I also dont go to shows or travel. Yesterday, XX/XX/XXXX, I was navigating on my account trying to find out how to collect on my rewards without calling in, and I stumbled across a section where you could see every transaction and how much cash back I received. I noticed for my dining purchases I had only received 1 % cash back. So I immediately called and asked why I was not receiving 2 % cash back for dining. The agent said I was getting 2 % for groceries. I said but I never told the previous agent that. TD can look at the history of my account and they will see there has not been one single grocery purchase in at least over the last several years. Thats because again I receive XXXX XXXX, so why would I tell the agent to make the 2 % for something I would never benefit from??? The agent said she would put in a request for someone to review the phone call and someone would get back to me, and this would take up to several business days. I spoke to that agent in the late afternoon. Miraculously I get a phone call from the person who supposedly reviewed the phone call the very next morning, this morning, at not even XXXX Claims she reviewed the phone call ( wow that was quick, being it takes up to several business days?? ), and that I had told the agent I wanted the 2 % for groceries IM-POSSIBLE. So this woman actually lied to me. I asked to listen to the phone call, and she refused!! My own phone call!! Yeah, thats what I thought!! Cant believe after all the business Ive given these people over the years, in several years more than half my life, that they would actually stoop that low to lie about listening to a phone call and denying me that phone call when its my call All to avoid having to make a few dollars worth of adjustments on my account Which really should be that plus a {$50.00} credit for failing t inform me about this new program in the first place So is this complaint over a few dollars? Certainly not. Who would go through all of this time and energy for a few dollars?? Its about principle, the way TD Card Services is treating me as who is supposed to be a valued customer. Between the last thing Ive had to file a complaint against them about, which was the only time Ive ever had to file a complaint against them in the XXXX years Ive had them but was within the last few months, and now this, I see that these people do not value their customers and I am prepared to close my account if they do make good on all of this, meaning both issues Ive had to file a complaint about. Because Ive had just about enough
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2023 I made a XXXX payment to what I thought was a legit company. Turns out it wasn't. Called my ( TD ) bank and they said they'd refund me 5-7 days but they didn't. Called today and they said claim was denied. They should have told me that day 1, instead of lie to me.
Company Response:
State: NH
Zip: 034XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: on XX/XX/, I file a petition for XXXX XXXX Bankruptcy in the northern district of Illinois case # XXXX in the petition TD AUTO account # XXXXincluded I have disputed with XXXX more than 4 times, and I was informed by XXXX that this account was verified as accurate showing a balance of past due of {$72000.00} for the last 8 months and reporting as a Charge off. both XXXX and TD Auto are in violation of the Fair Credit Reporting Act XXXX for fail to conduct a proper investigation under XXXX XXXX XXXX ( I ) ( A ) and TD AUTO for Violation of 15 USC 1581 ( S ) ( 2 ) B please see all the Exhibits and documentation that supports my facts, also I have informed XXXX XXXX XXXX of my disputes and no answer. I was discharged on XX/XX/2023 from the Bankruptcy. Court with the order of Discharge. And now I am asking the CFPB for help my Comsumer rights are being violated by TD AUTO & XXXX as of this date.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I mailed a check from inside the post office to XXXX XXXX to cover the cost of a municipal bond purchase. The check from XXXXXXXX XXXX ( check # XXXX ) was for {$15000.00} was made payable to my revocable trust. I was notified on XX/XX/XXXX that the bond company had not received my payment. I immediately notified XXXX XXXX and was told that the check was posted to my account on XX/XX/2023 by an unknown party indicating that the check had most likely been stolen from the mail. I visited XXXXXXXX XXXX the same afternoon completed the required fraud affidavits. Additionally I had XXXXXXXX XXXX wire funds to XXXX to cover my purchase. XXXXXXXX XXXX forwarded the fraud affidavits to TD Bank who had illegally cashed the check. To date TD Bank has not responded to any of XXXXXXXX XXXX repeatedly inquiries regarding the claim. Please note that the United States Postal Service was notified of the mail theft and is completing their investigation.
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Request for Equal Credit Opportunity Act Compliance and Account Update Dear Underwriters, I am writing to bring to your attention certain provisions within the Purchase and Sale Agreement dated XXXX XXXX XXXX between Nordstrom , Inc., Nordstrom Credit , Inc., Nordstrom XXXX, and TD Bank USA, N.A. As an individual with a credit account at Nordstrom, I am particularly concerned about the impact of the agreement on my credit extension. I applied and received a denial notice on XXXX XXXX XXXX which is evidence of discrimination per the Equal Credit Opportunity Act. Your agreement defines " Acquired Assets '' to include all rights, titles, and interest in Credit Card Applications, which implies the inclusion of my credit application as part of the assets acquired. Additionally, the assumed liabilities encompass obligations to perform under Credit Card Agreements, including payments and credits, acknowledging TD Bank USA, N.A. 's role as a guarantor. I want to draw your attention to potential concerns under the Equal Credit Opportunity Act ( ECOA ). Section 12 CFR Part 1002 ( a ) of the ECOA explicitly states that a creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. Considering this, any denial of access to my credit extension with Nordstrom based on the acquisition of assets would be tantamount to discrimination under the ECOA. I request strict compliance with the ECOA and fair treatment in granting access to my extension of credit. Furthermore, I formally request, in consideration of the acquired asset for which value has been provided, access to my credit extension with Nordstrom. I appreciate your immediate attention to this matter and request written confirmation of the actions taken to address these concerns. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a check bounce and TD bank has my account frozen now. My paychecks are still going into the bank yet they are unwilling to work with me to open the account back up or close it so I can receive my funds. I can't even log into the account to receive my account number or contact support on the secure line.
Company Response:
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: TD AUTO FINANCE please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX should be removed from my credit report IMMEDIATELY. You are trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX, yet it is still reporting. You are also furnishing different information between the 3 bureaus such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Td bank has repeatedly refused to correct inaccuracies with my XXXX account. They continue charging late fees even with every payment made on time. Td bank has my monthly amount incorrect, balances incorrect, total amount owed incorrect. I have documentation directly from XXXX verifying the monthly amounts, finance terms and balance owed. Td bank refuses to correct this on my account. They continue charging late fees for not paying the amount they have incorrect. My balance on some devices don't go down even with payments being made. My overall balance continues to increase even with payments made.
Company Response:
State: AL
Zip: 36067
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A