Date Received: 2023-03-14
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 have a XXXX credit card which is housed with TD Bank. I canceled my cell phone insurance with XXXX that was {$11.00} per month. I have better insurance with XXXX so canceled it with XXXX. I called XXXX on TWO separate occasions to cancel the charge and they said they would reverse the charge. My final attempt was on XX/XX/2022. I called and spoke to a female who was QUITE RUDE and spoke very condescendingly to me. She had the nerve to tell me, " Why are you calling here when you should be out celebrating ( XXXX ). I responded that I do not celebrate. After about three attempts on the same call to cancel the service and refund the charge she finally agreed after speaking to a Supervisor. She was quite pleasant after speaking to her supervisor and said my account would XXXX refunded any late fee would also be refunded. At this point they lowered my credit limit so I also instructed them that once the account was at zero to CLOSE my account as they breached our contract and they did no do as they said in refunding me the fee. They failed to perform on their end. This negative mark on my credit report has dropped my score AS WELL AS caused XXXX XXXX to lower my credit limit by approximately {$20000.00}. THIS IS UNACCEPTABLE AND WAS AVOIDABLE ON THEIR PART.
Company Response:
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX i received an email from chase credit journey about a new inquiry on my credit report. I checked and there was a credit check coming from lender : nordstrom/td bank usa . Inquiry date : XX/XX/XXXX. I tried calling the company but in order for them to talk to me i need an account number and i do not have that. I havent applied for anything recently this was not me.
Company Response:
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
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: We purchased a refrigerator from XXXX and used XXXX financing on XX/XX/XXXX. The refrigerator came with a bonus set of front door panels that were delivered a few days after the refrigerator arrived. The XXXX delivery employees damaged our refrigerator door frame and the original Tuscan Bronze door panels by using a screwdriver to remove the panels when they should have used XXXX a suction cup tool to properly remove the panels. I noted on the delivery order of the damage to my panels and refrigerator. We have spent 40-50 hours or our time trying to get XXXX to remedy the situation via calls and internet chat ( I have screenshots of the chat and I have call logs from my cell phone provider ). Their call center routed use to a customer service number XXXX, which is no longer in service. After countless calls we disputed the charge with XXXX XXXX on XX/XX/XXXX and payments were halted until the dispute was resolved. TD Bank handled the dispute and they sided with XXXX on XX/XX/XXXX because they supposedly tried to call me for clarification on what was damaged and I did not answer the call. They admittedly stated they never left a voicemail for me to call them back so the call was not returned. At that time payments were to resume even though I still have a damaged refrigerator and no resolution. I re-disputed the charge with XXXX XXXX on XX/XX/XXXX which is still unresolved. XXXX did contact me and asked about the panels XX/XX/XXXX and I told them to come and get the refrigerator or give me new panels and {$500.00} off the balance owed. On XX/XX/XXXX they send an email stating, " with E-Commerce previously is out of the return window. ". So now I am stuck paying for a refrigerator that has been damaged since delivery. I am no longer going to pay for this refrigerator and I am going to wreck my XXXX credit score over principle. I am being financially harmed by XXXX XXXX and TD Bank. Please help. XXXX XXXX - XXXX ( XXXX ) XXXX XXXX Account # XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34654
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I found out that my checking account where I receive my salary and keep my savings was closed by TD bank without delivering any notice to me. After reaching out to their call center, I was told to contact the local branch where I had opened my account. On XX/XX/XXXX, I called the TD Bank on XXXX XXXX XXXX XXXX, XXXX, SC and spoke to the branch manager XXXX XXXX XXXX who stated that the reason for closing the account was that I had not updated my ID with their bank for the past two years. He claimed that it was the law and the banks policy and the clients responsibility to provide their bank with updated copy of their ID even when not requested. He claims to have sent me a letter and left me a voicemail which is false and I have not received any communication from him. Apparently, he had sent the letter to my old address even though TD bank had my updated address on file ( this was later confirmed by the call center and in the adress change confirmation message I received in XXXX ). He stated that he is absolutely unable to help me in accessing my money and that I should call the De-marketing team by phone and ask them to recover the funds. I called their number, but I can only leave voice messages. They have not responded to my message after 2 days. I called the TD bank call center and they informed me that they will try to reach out to the particular team and I was told to expect a check with the remaining balance on my account to arrive at least after two weeks from XX/XX/XXXX and that it is supposed to be sent to my new address but they can not confirm and will request that. I am currently locked out of all my cash for more than a week and unable to pay my expenses, bills and rent. I need immediate access to my money. I can not wait any longer to access my money as I am falling behind on payments due to TD Banks fault and mismanagement of my account. TD account details Routing # : XXXX Account # : XXXX
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/23 I sent out a letter stating I was in total disagreement with this company 's investigation response. Nordstrom/TD account # XXXX the alleged account is listed as a collection with A PAST DUE BALANCE OF {$1300.00} This is a violation of requisite XXXX XXXX Compliant Reporting standards. Please remove this inaccurate information from my credit report as it is affecting me negatively.In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified not computer generated confirmation.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Today, XX/XX/XXXX, I went to a bank branch with a problem regarding my balance. since it was negative, I realized that my last transaction was a fraud ( I was cheated ). I received a check for the purchase of equipment in the amount of XXXX us dollars, which I was asked to transfer to a vendor to purchase a laptop for work. With this problem, I came to ask the bank officer to cancel the last transaction, but I was immediately refused without giving any explanation. I was told that my account was blocked and I would receive all the rest of the information by mail within 60 days, and sent out of the bank. the bank account is closed and I called at XXXXXXXX XXXX in the technical support of the bank- and they said that they can not help. now all my accounts are blocked, I don't have access to my cards and my money. I also applied to reportfraud.ftc.gov Report Number XXXX
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I need late payments removed from my credit report
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My mom has TD bank checking account. She wrote a check ( {$2000.00}, check # XXXX ) payable to me and I made a mobile deposit to XXXXXXXX XXXX XXXX XXXX XXXX The check was clear on XX/XX/XXXX. All good. Suddenly, on XX/XX/XXXX, XXXX XXXX withdrawn {$2000.00} and said " The Federal Reserve shows this check as being deposited twice and we are required to comply with their adjustment request. Since the check has cleared, the maker should have their bank research for more information '' I thought this kind of issue should be resolved by XXXX XXXX since they withdrawn the money for the cleared check. So, I submitted the complaint but it seems like they can not resolve the issue but gave the following response : " As TD Bank is the paying bank of the check you deposited, we ask that the maker of the check contact TD Bank to further investigate your concern. The reference number provided from the Federal Reserve is XXXX. '' My mom contacted TD bank several times but TD bank keeps saying " your son needs to contact XXXX XXXX to resolve the issue ''
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: TD AUTO FINANCE LLC is in violation of several laws including 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. They continued to report to credit bureaus after a fraud alert was on m y report. {$1000.00} VIOLATION. 15 U.S. Code 1692 - Congressional findings and declaration of purpose They sent several letters with their logo to collect paid debt which is by law ANOTHER Violation {$1000.00} VIOLATION TD AUTO FINANCE violated my TILA rights USC 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. I the consumer paid for insurance, car tags and other fees when TD AUTO FINANCE was aware that all fees and insurance was indeed already paid for in my finance charges which means the sum of ALL CHARGES. {$1000.00} VIOLATION. 15 U.S. Code 1635 - Right of rescission as to certain transactions I was never made aware I could exercise these rights which is ANOTHER violation. ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. 15 U.S. Code 1692f - Unfair practices Violation which made my contract null and void the contract is illegal by law and states that TD AUTO MUST RETURN ANY MONEY OR PROPERTY IVE GIVEN TO THEM.
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 US C1681 section 602 states I have the right to privacy 15USC 1681 section 604 a section 2 it also states a consumer report agency can not furnish an account without my written instructions under15 USC 1666B states a creditor may not treat a payment on credit card account under an open and consumer report credit plan as late for any purpose
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A