Date Received: 2022-12-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a XXXX XXXX account for a new phone that I purchased. It just so happened that TD Bank was the credit company for them and Ive had nothing but a horrible experience as XXXX of their customers. It feels like since they are a third party for XXXX that they could care less about placing the customer first. I got on their payment platform and created my account to set up auto-pay like I do for ALL my other credit cards Ive used. Have had no issues with others except TD Bank decides that my checking account isnt valid for them to take payments even though it was entirely correct ( They can confirm with my credit union ). They started sending me several letters in the mail stating my payment wasnt being made and that I needed to pay. So I call them and explain the situation and none of their representatives offered any help at all. They had waived XXXX NSF charge for me but then the same issue kept happening where they werent taking my payments for auto-pay. So I complained more about these additional NSF and late charges they put on my account and they refused to offer any resolution. I decided since I was entirely done dealing with these people and this horrible credit company that Id pay my full balance and be done with them even though I had promotional interest. Well, I made my final payment and apparently they had payment issues so it took weeks for it to get fixed and then they simply reversed my payment and also sent me a check in the mail without notice. I cashed the check but then they reversed that too. At this point I was lost with what my account balance was or supposed to be and what I owed. They also refused to give any help or resolution the dozen times I called. So Im sure they have charged me a lot more than I actually owe them which is hard to tell based off how messed up my account is now. They also almost cost me losing out getting into my first home because I had paid them off but my payment was pending for so long it was hurting my debt to income and they refused to put a stop on the payment so my mortgage company could pay it off in closing. They literally put me through so much stress and frustration I was starting to have an anxiety attack and had leave work. Emotionally this has been awful. I just hope you can please provide a good resolution. I have all the dates for these charges listed below. XX/XX/XXXX Late charge assessment : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Charge : XXXX XX/XX/XXXX NSF Check Charge : XXXX XX/XX/XXXX Late Charge Assessment : XXXX
Company Response:
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2022 without notice I realized I couldnt log into my bank account online. The same day I called the customer service number and they said it had been closed and gave no explanation and didnt say when my funds of {$6100.00} would be returned to me. They told me to call a branch or walk into one. I called my nearest branch in XXXX, PA and the said the balance is zero and they are not sure if my final account check was mailed to me.
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am a banking member of TD Bank with a Checking and Savings account. There were unauthorized charges to my checking account via the debit card and as a direct result of my card being lost and then used without my permission or knowledge. I submitted several disputes as it pertains to TD Banks ZERO Fraud liability for customers and after submitting several disputes and having them denied for reason that were not related to me and reasons that are completely out of my control. The reasons TD Bank cited was 1. The fraudsters didnt try or attempt to access or login into my online bank account. 2. The fraudsters didnt attempt or try to swipe the debit after all of the funds were withdrawn via unauthorized means. 3. There was NO attempt made via debit card in other countries. 4. I accessed my online banking mobile app after I submitted a dispute. I have not only had all of my funds used unauthorized and now after several disputes to the same charges, TD Bank has completely refused to temporarily credit my account while the investigation is underway and completely giving me the runaround as it relates to the dispute. I have filed a police report for this manner and still no to avail, TD Bank is citing and denying my dispute because I or nobody can depict and/or guess the path of a scam artist and fraudsters. Which are reasons that are completely out of my control. I feel that I have been racially profiled and discriminated against.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The problem i have been having with this bank, i have asked for a full disclosure of my accounts that i had with them in 2013 the account was closed and became a charge account. I was told on the telephone that the account was settled and paid in full in XXXX of XXXX was never made aware of anything, I recently went into a branch here in XXXX XXXX XXXX XXXX fl and asked for the full disclosure of debits and credits, the banker only provided me with a statement of debits, i asked if i could get the bookkeeping entries, but i was not provided ant of the documents i requested.I believe this is very unprofessional, I was the depositor of those accounts, I have a right to know how the account was operationing, there are GAAP laws the banks are supposed to abide by in the business of banking. Could you please look into this matter please.I dont believe i was treated fairly. I never even received my original note back from the back when i first opened the account AND MY settled account paid in full..
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have purchased furniture that cost XXXX $ at Raymour and Flanigan in XX/XX/XXXX. When I purchased, I was ready to pay immediately but sales associate has recommended the 0 % XXXX interest offer for 18 months. I was told that 0 % interest for 18 months and 29.99 % after that for the remaining balance. I was asked to signup for the credit card through online. No one mentioned its deferred interest on the whole amount. It may have been in the fine print of terms hidden in the 10+ pages when I signup. I did setup XXXX $ auto payment to finish before XX/XX/XXXX. However for some reason additional purchase in XX/XX/XXXX which accounted to miss my promotion dead line of XX/XX/XXXX. I have been paying my dues regularly and supposed to finish the payment before XX/XX/XXXX. Due to additional purchase, there was XXXX $ balance on XX/XX/XXXX. Due to this, TD Bank has charged deferred interest of {$1800.00} for the whole amount XXXX $ instead of balance pending XXXX XXXX When I saw the account, {$1800.00} charged as Finance charges i was completely shocked and even it would have been interest charges it would have been 29.99 % APR on XXXX $ balance amount. Once I see this I paid {$1000.00} on XXXX immediately. TD bank has never send an alert on the promotion expiry but they include in the statement in fine print bottom of statement. I could have paid the whole balance on day one but Raymour sales associate has asked us to use the 0 % API. if i would have got email alert on promotion expiry, I would have paid on the same day. I had reached out to TD Bank customer service and asked them to reduce the interest on only balance amount which I am supposed to pay. I got response from TD bank that {$1800.00} interest is correct as per the terms. Now I have paid all the interests with XXXX balance to prevent accrual of the over interest again. I am raising this to consumer protection to address this over interest charged on full amount.
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Good day Sir/Madam, I am writing to make a complaint about a failed wire transaction that has been on going since XXXX This transaction was done in person at TD bank branch num XXXX. The sum of {$65000.00} was transferred from my business account ( XXXX XXXX XXXX ) to XXXX XXXX XXXX ( XXXX ). The beneficiary did not receive the funds at the stipulated time which was suppose to be within 7 working days. On XXXX I went to inquire at Td bank branch about the delay. A bank representative A confirmed to me that the funds had been reversed and that I will get the value back into my business account within 3-5 business days. Today XXXX I spoke with customer service XXXX that refund time as elapsed. I was told again to wait till XXXX before the reverser is completed. Am requesting for your intervention in this matter as my business is in distress because of this delays. I look forward to your kind response. Sincerely, XXXX XXXX XXXX.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: There was a checking account opened fraudulently in my name
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are multiple hard credit inquiries that recently showed up on my report ( last week ) that I never authorized. These unauthorized hard credit inquires include the following XX/XX/XXXX : TD Auto Finance XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries were never authorized by me and are adversely impacting my credit score. Note that I am attaching a screenshot of all my listed inquiries but I am only disputing these 5.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Bank has grossly mishandled my payment for an account, improperly reported my account as 30-days past due, and despite its own recognition of its error and compelling evidence I have submitted, refuses to correct my credit report, despite several attempts on my part. I believe this is a violation of the Fair Credit Billing Act, and other consumer laws, and seek immediate remedy from the Company. Please see attached documentation, for an extensive discussion of the issue.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by NORDSTROM/TD XXXX XXXX XXXX In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report. Credit reporting agencies such as XXXX, XXXX and XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX, XXXX and XXXX are not upholding its role pursuant 15 USC 1681. You ( NORDSTROM/TD XXXX XXXX ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act. Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX, XXXX and XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from NORDSTROM/TD XXXX XXXX XXXX As a violation of 15 USC 6802- you ( NORDSTROM/TD XXXX XXXX XXXX communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. You ( NORDSTROM/TD BANK XXXX XXXX are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( NORDSTROM/TD XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A