Date Received: 2022-12-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NORDSTROM/TD BANK USA is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A 1099-C was filed, but I have not received my copy. NORDSTROM/TD BANK USA shall remove this charge off from all consumer reporting agencies immediately.
Company Response:
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I issued a check with check number XXXX in the amount of {$1000.00} to XXXX XXXX on XX/XX/2022. The check did not arrived to the payee, instead it was intercepted by the hacker and altered the entire content of the check and only left the check number. It was altered to the name of XXXX XXXX at the amount of {$12000.00} the check signature was forged as well. The check was cashed and released by TD Bank without proper verification. I made a complaint and TD Bank made the original affidavit of forgery and was filed XX/XX/2022. I continuously followed the status with the bank but bank keep saying it was on process. On XX/XX/XXXX, since I am not getting any updates from the bank, I contacted TD bank investigator in charge of the case. I was told by the investigator that the affidavit was wrongfully done and the TD Bank was notified but nothing was done to correct the affidavit. I was told by the investigator to go back to the TD bank for bank to file the correct affidavit as " altered check ''. After a few weeks I called up the investigator and was told that it was assigned to another investigator. Up to now I made a follow-up on XX/XX/XXXX to a bank officer named XXXX XXXX XXXX XXXX ) and I was told it was being investigated and was being misled. I'm not getting any answer or updates on what is really going on. Its now 106 days since it was filed. I am hoping that you will be able to assist me and resolve this problem. Its a big amount and which causes financial burden to our obligations.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I purchased a XXXX cell phone directly from XXXX. As part of this transaction I did a trade in of my old phone for a new device and financed the remaining balance thru XXXX. XXXX used a " Bank '' reported as " TD RETAIL CARD SERVICES '' that offered XXXX month XXXX interest financing. For some unknown reason it took some time for XXXX to process the complete transaction perhaps due to availability of the device. Once I received the device I was required to send my old phone back to XXXX, which was done. It took a little more time for them to process the credit for this trade in but I was eventually informed that my trade was accepted and that I would be getting billed for the remaining amount via XXXX mailed invoice. After XXXX I had not received a bill for the remaining balance. I was not concerned however because the entire process had been delayed many times so I figured there was a delay on the billing of this portion as well. After XXXX days I saw a late payment report had been reported against my credit score. Some after I received a collections letter from TD Retail Card Services informing me that my account is past due and they wanted payment including a late fee. I attempted to contact " TD Retail Card Services '' to dispute the late fee and credit statement at the number provided on the collections statement. However this company offers no way to dispute any charges they only accept payments via the " Customer Service '' contact numbers. They have an automated system that only accepts payments. I did find a way around the automated system to speak with an actual individual but was told that there was nothing they could do to help me they only accept payments. AS A POLICY THEY DO NOT MAKE ADJUSTMENTS TO ACCOUNTS FOR ANY REASON. The only recourse available is to print out and mail a dispute form and also contact the Credit Reporting Companies to dispute with them directly. I attempted to contact XXXX who indicated that they could no longer help me, I must work out the problem with " TD Retail Card Services ''. To prevent further damage to my credit I went on to the website of " TD Retail Card Services '' and submitted payment in full for the outstanding balance as well as the applied late fee. Terrible time to have to shell out nearly {$800.00} unexpectedly. XXXX XXXX!!! Another concerning thing about this finance company is that they will only take payments directly from your checking account, they will not allow you to use any other payment method. I use my credit cards as a buffer to prevent fraudulent transactions from withdrawing directly from my primary checking account. " TD Retail Card Services '' refuses all other forms of payment. I refuse to do business with this company ever again and also XXXX for giving me over to these abusive lending predators. They are obviously making most of their profit on late fees and taking advantage of people who do not have the means to cover such an expensive device.
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: In XXXX of 2022 I turned XXXX, so my mother and I went to TD Bank in XXXX XXXX XXXX to remove her off of my account. We filled out all of the paperwork and thought we were all set. Later this year on XX/XX/XXXX, there was {$320.00} taken out of my checking account and sent to my mothers because she overdrafted hers. The woman we spoke to said that the woman we worked with in XXXX had since been terminated for not doing her job corrrectly. We then refilled out all of the paperwork to get her off of my account. They also told us there was nothing they could do to get my money back. We let it slide because they said they had an incompetent worker. Now, three months later on the morning of XX/XX/XXXX, there was {$230.00} taken out of my account and sent to my mothers again because she had overdrawn her account. Me and my sister, sick of this happening repeatedly, went to the XXXX XXXX and spoke to someone about why this was happening. She stated that it was because my mother was on my account. We told her that my mother and I had filled out the paperwork to get her off multiple times now and that I expect my money back. We then spoke to the lady who did my mother and I 's paperwork for this back in XXXX and she pulled it onto her computer and said that the paperwork had bounced back and had no idea why, she did some digging and said it was because she put my checking account and savings account on the same paper and that wasn't allowed. So, for the second time this bank messed up this paperwork and cost me over {$500.00}. This lady told us she specifically couldnt do anything about getting my money back and told us to call customer service. We went home and called and spoke to many people for many hours. They all agreed that this is absolutely ridiculous and stated that what they have done could be considered fraudulent. They sent an email to the branch managers and all supervisors and said to go back to the bank and they would get me my money back and that there would be an investigation. We went back to the bank and she said that everything the bank did they had a right to do and that I would not get my money back. She also said that the lady who helped us in XXXX knew that it had bounced back and tried to contact me and my mother via phonecall. My mother and I never got any calls nor ever had any voicemails regarding anything to do with our bank accounts. But again my sister and I were litterally standing right there when the woman from XXXX pulled my account up and said she had no idea why the paperwork was sent back. So, after XXXX XXXX hours of phonecalls, lying, and just straight up rude and disrespectful managers with XXXX XXXX TD Bank. I am now out {$560.00} and have moved all of my remaining money to a completely new bank. I have never had an issue with TD up until this year and this is just absolutely ridiculous.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2020 during the COVID-19 Pandemic, I enrolled in a Payment Plan Agreement via the Target XXXX Account website. All payments were set to deduct automatically, and they did faithfully until the account was paid off in the following months. Upon checking my credit report, I discovered three late payments. Many disputes were made to correct these falsities in reporting ; however, the errors remained the same. No change to the inaccurate reporting ensued. A complaint was filed with the CFPB, which outlined many inconsistencies in the information I received as the consumer at the time of enrolling in the Payment Plan Agreement. Additional information was provided to include proof of Payment Plan Terms and posted payments. After the investigation, the company stated, At the time you agreed to your payment plan, your account was past due. After 3 months of on-time payments your account was reported as current. We are unable to change how your account is reporting to the credit bureaus. However, this was not outlined in any terms sent via email on XX/XX/2020. In the Payment Plan Terms sent by TD Bank, it clearly outlined the Minimum Payment Due on upcoming statements may be greater than the required fixed monthly payment because of past due amounts, but you are only required to pay your fixed monthly payment amount. No information was disclosed regarding credit reporting procedures or potential impending penalties for past due balances whilst in the Payment Plan Agreement. I, as the consumer, agreed to the terms ; however, TD Bank did not ensure all facets of information were disclosed prior to entering said agreement to ensure the ongoing health of my credit score. To no avail, I have made multiple attempts to correct this erroneous error and unfortunate mistake with the credit bureaus and the company itself. Despite my best efforts, I am still being penalized for enrolling in a Payment Plan during a worldwide pandemic due to undisclosed terms by the company at the time of our agreement.
Company Response:
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I asked TD Bank disputes department to ask for a refund from XXXX which I subscribed on a trial bases on XX/XX/XXXX for {$3000.00} US, a week later a came to the conclusion that the service di not meet my needs, and asked XXXX to get s full refund, they agreed. two weeks later I also asked TD bank disputes department to help me collect the {$3000.00} us, finally beginning of XX/XX/XXXX, they refunded {$1600.00} only the remainder of {$1300.00} us, more than a year later I'm still waiting. TD Bank closed the dispute when XXXX still had not refund the outstanding {$1300.00} us. See email from XXXX " The dispute was waivedin your favor, thereforewe no longer have your funds. We highly suggest reaching out to your financialinstitution since we no longer have your funds ''. I called TD bank many times, but they never gave me an explanation as to WHY THEY CLOSE THE CASE WHEN THERE WAS ANOTHER {$1300.00} NOT REFUNDED. TD Card Services, Dispute Department Case Number- XXXX If you need more info please advise. Thanks.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX Acct # XXXX Open XX/XX/XXXX XXXX XXXX : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX. Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Identity theft protection or other monitoring services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Someone took a picture of my debit card and when I was on vacation in a different state was taking money out of my account until I got to the state where I live at Pennsylvania I checked my balance and {$26000.00} were stolen from me and when I went to TD Bank shows me all the chargers that were done online banking I never made an online banking before for instance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay TD Bank made a report for me declined me this happened in from XX/XX/2022 until XX/XX/XXXX Never got a phone call from the bank Never got emails or text messages or phone calls for money being spent so fast Changed my debit card somehow the same person got into my new debit card the new report said XXXX were stolen out of the new debit card the bank XXXX XXXX said its impossible for her to get your new card Ive been XXXX since XXXX when they said they cant do nothing about it I went to the police station made reports XXXX XXXX XXXX gave up lost my XXXX back to living at my parents house Ive been XXXX over the bank of TD XXXX XXXX XXXX, XXXX all the way until XX/XX/2022 I am very hurt I think justice wasnt served I am out of {$26000.00} and more and I think its TD banks has no common sense and doesnt care about the people that bank there hopefully Someone can get back to me
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Bank/Target offered a payment plan in XXXX of {$81.00} due on the XXXX of every month starting in XXXX. Payments to be automatically debited. Payments were made on time XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX, they have reported me 60 days late in XXXX, XXXX and XXXX. I have disputed several times with XXXX and with XXXX showing documentation and it has not been resolved. XXXX payment is not even due for XXXX more weeks! This is ruining my credit and needs to stop! I am paying on time as agreed in the plan that they offered.
Company Response:
State: IL
Zip: 60102
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A