Date Received: 2023-02-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: on XX/XX/XXXX i deposited a check on the mobile app for {$1600.00}. I started using the app because in person the checks were depositing slower, then i started to deposit in the ATM and the same thing happened so now I used the mobile deposit and the official check from XXXX was on hold for 1 business day which turned to three and then my account went under review which they told me i had to go into a branch to find out why on XX/XX/XXXX. I came in on XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX NY XXXX. Branch manager said that they are closing my account because i endorsed the check. I was furious. I had no idea how this could of happened. He said because XXXX never made the check. My account will be closed and they rarely reopen it then he continued to inform me how to prepare myself to get money if money will be wired. He said I can try to come back in on Monday to talk to the fraud dept. I came in Monday and he wasnt there. I spoke to XXXX XXXX and said was able to get it reviewed again and ill find out by friday if TD Bank will reopen my account that's dated to almost a decade. I came in monday with a bank statement that my check was in a batch of two others that were made at the same time my boss passed out. The other two were deposited to other banks other than XXXX and TD Bank and did it instantly since its an official check but unfortunately for me its a fraudulent check and my bank is now closed after nearly a decade with no fraudulent check activities.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have attached hours of documentation to support this claim. I have sent multiple letters, disputes, and phone calls. TD has a late payment on my record from XXXX of 2020 that, simply put, is false. I had an extension granted in XXXX of 2020 due to COVID, I was supposed to pay starting in XXXX. I paid that payment and then the one after and every one after that. They originally said i was late in XXXX, which is just not true. Then after i PROVED that i was not late in XXXX, they said i was late in XXXX of 2020 instead. Through the documented phone calls and letters, you can see that i have tried to speak with them, prove my case and my point, only for them to act " XXXX '' on the situation. I do not see where it benefits them. I paid off my lease, they got their money, i did everything they agreed to and its almost like they hold some sort of grudge. I know that is not the case but i was NOT late in XXXX of 2020 and they can not prove i was. They never responded to numerous attempts at validation of that month 's late payment and the people on the phone refuse to help. This XXXX of 2020 payment was NEVER late.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
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 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX, Nordstrom/TD Bank XXXX XXXXXXXX XXXX XXXX XXXX
Company Response:
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXXXXXX XXXX XXXXXXXX, I opened a secured Visa credit card with TD Bank by depositing {$5000.00} into a TD Bank Savings account. I have never paid late, nor have I ever had a returned payment. I spent just over $ XXXX on the card, used it responsibly and have had a XXXX balance for the last several months. In XXXXXXXX XXXX XXXX, my credit score shot up XXXX points to XXXX and has remained at this level for the past 5 months, however the card is still " secured '' and my deposit is still frozen. I called TD customer service in approximately XX/XX/XXXX to inquire why my account is still secured and was advised its reviewed monthly by their computers, but the Rep. indicated she would " email upper management to manually review my account ''. After waiting a month with no response, I called in and spoke to another TD customer service rep. who advised he saw the notes in the account about emailing management, but was unsure who or what department the message was sent. This rep. also advised that many customers " get tired of waiting and just apply for a new unsecured card and get approved, then close their secured card and have the deposit returned ''. In the past 5 months, I have been approved by other banks including XXXX and XXXX XXXX for their luxury cards with high limits all with no issues due to my now high credit score. I called into TD again today ( XX/XX/XXXX ) and spoke to a rep. in the credit card department and was told there is nothing I can do other than wait. I feel as though TD Bank holds onto customers deposits as hostage for much longer than necessary. In the last 2 years I've twice had to pay their annual fee, and have paid them interest .... but TD Bank has paid me {$1.00} in interest for my $ XXXX deposit. I believe TD is engaging in the unfair practice of holding onto the deposits from secured accounts even after such accounts should no longer require secured status. This is an unfair business practice in which TD holds onto these deposits so they can profit at the expense of its customers.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My personal information was used in identity theft I have never applied or signed for any credit cards, insurance or loans which I am disputing. I currently filed with the FTC and local police authorities both have assigned a case and file number to investigate. I discovered the information on my credit report XX/XX/ which I notice Nordstrom Card on my credit report for fraudulent amount XXXX I have called Nordstrom Cards with no resolution.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Target called to confirm that I was trying to get a card. I have not applied for one. Some of the information given to me was incorrect. She cancelled the application and advised to report this incident to this website.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Fraudulent activity on checking account, XXXX stolen from account. Bank denies claim stating that activity was not an aggressive activity.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: on XX/XX/XXXX I received an email from Target saying that they welcomed me to the store and for joining them. I never signed up for Target services. Then I received another email saying congratulations you have been approved for a credit card _ XXXX XXXX with Target thru TD Bank. I never applied for a Target credit card. I contacted Target immediately once I found out on XX/XX/XXXX and reported the identity theft to them. I also contacted TD Bank to file the identity theft and requested the cancellation of the card and to issue a credit fraud alert to all credit bureaus. As of today, I have not received communication from Target or TD Bank. I already placed a freeze on all credit reports. I am also in the process of providing required information to the police to support this investigation.
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: i open an account at XXXX XXXX they are with TD bank, my identity social security was compromised and someone charged on XX/XX/2022 an amount of {$3700.00} i called the credit card and dispute the charge but they want me to paid for something i dont charged. also someone at store stole my social and open accounts in my name, they should investigate more to see who its doing this to me and protect me.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I inadvertently sent two mortgage payments for XX/XX/2022. As soon as I realized my error, I called TD Bank to request a refund of the duplicate payment. Although customer service tried to talk me into letting them hold the money for the XXXX payment, I insisted I wanted a refund. I knew not to trust them when they didn't offer to wire my refund. They are a large financial institution, after all, aren't they? I was told to expect the refund on XX/XX/XXXX. When it didn't arrive, I first checked my account to see if TD Bank had applied my refund to my XXXX payment. They had not so I called TD Bank again to inquire about my refund. Again, customer service tried to talk me into letting them hold the money for the XXXX payment and I made it clear I wanted my money back. I was told it would take 10 days to process. When the check hadn't arrived as promised, I checked my account to see if TD Bank had applied the duplicated payment. My account only showed the payments I had made in XXXX as well as XXXX. I called TD Bank again and was told to expect my refund on XX/XX/XXXX. It is still not here. I will not call them again because it is obvious they are not respecting my request to send to me my money. The amount is {$2100.00}. Their comment about applying a duplicate payment to the next month is false because it assumes everyone has lots of extra money laying around. Also, if they were to apply the duplicate payment to the next month, it would be done early in the month so it would not be late. This incurs another question- why are they holding my money and not applying it to the next month 's payment as they say they will? It is bad enough that I had to pay {$250.00} in bounced check fees! They've had more than 60 days to make this right. I had had a mortgage with XXXX XXXX with my previous home and they became known as the poster child for fishy mortgages. It looks like TDBANK is a top contender now for this, er, honor. Although I have no idea the number of customers who send duplicate payments in error, it is nothing new, and taking advantage of this is extremely shady. Their online mortgage payment processing system is also convoluted which is also suspect. While waiting for my bank to update it's bill payment system, I used TDBANKS to pay my mortgage. It's cumbersome, convoluted and one has to be routed through a number of customer service numbers to make any changes to mortgage payments. I stay on top of my bills and had forgotten I had initiated my mortgage through the TDBANK system, hence the snafu. I'll register another complaint about their bill pay system if you ask me to. I appreciate the time you take to look into this.
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A