Date Received: 2022-11-25
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I contacted Nordstrom card through their secured messaging to let them know I needed help after a XXXX XXXX my child had and its going to affect us financially. They wanted me to call instead of communicating over messaging. I am XXXX XXXX and have a very hard time XXXX and XXXX over the phone. When I brought this up Nordstrom card kept saying to call. And I repeated again that it wont work for me because Im XXXX XXXX. No one seemed to care and refused to comply to XXXX methods when it came to my XXXX Instead of working with me Nordstrom Card reported me as 30 days late when I needed help. I feel like Ive been discriminated. I am a XXXX veteran along with that. I also asked them to stop calling my phone but they continue to do so. Speaking louder or yelling or whatever they had planned doesnt do anything for me.
Company Response:
State: OH
Zip: 45005
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/2022 ; TD bank reverse provisional credit for XXXX car payment transaction for the amount of {$320.00}. The provisional credit was credited to my checking on XXXX XXXX because I the XXXX transaction was paid twice. Therefore, I had it disputed. However, TD bank is reverse provisional credit. My account is in a negative balance because of this and another transaction for XXXX XXXX XXXX for the amount of {$92.00}. I did not set up auto payment or XXXX XXXX XXXX XXXX permission to withdraw funds from my TD bank checking account.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX I sent {$1000.00} via XXXX to a XXXX XXXX for a XXXX, located in Missouri. On XX/XX/XXXX, it was determined that the XXXX site is a scam and the kitten would not be shipped to me as promised via a sales agreement I received from the seller. I notified my local police department and filed a report with all the necessary information. I contacted my TD Bank customer service and was told they could not refund my money due to the fact it was sent via XXXX.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is a case of identity theft. Someone fraudulently opened a retail credit account with XXXX XXXX in my name. I was already on alert because someone had previously attempted to open a similar retail credit account with XXXX in my name, but I was already a XXXX XXXX XXXX XXXX customer and they correctly identified that the new account request was suspicious and contacted me for authorization. XXXX 's retail credit arm, operated by TD Bank, failed to flag the request as suspicious and opened the fraudulent account in my name. Thanks to active credit monitoring, I was rapidly alerted to the new account as soon as it was opened. I immediately contacted XXXX XXXX XXXX TD Bank to report the fraud. This was difficult because the contact information for the creditor shown on the credit reports is not accurate. The contact information shown on XXXX credit report is a non-working phone number. The contact information shown on the XXXX and XXXX credit reports is TD Retail Banking, which is a different division of TD Bank and can not assist with XXXX XXXX accounts. None of the three credit report agencies accurately reports the correct contact information for the creditor of the account on their credit reports. Never the less I was able to track down the correct contact information, and reported the fraud within days. The new account was locked pending " investigation '', but this was the only action XXXX XXXX / TD Bank took. They claimed that they would send me a fraud affidavit to fill out, but it never arrived. In a follow up call two weeks later, they stated they would resend the fraud affidavit, but it still never arrived. When requested to email the affidavit, XXXX XXXX XXXX TD Bank claims that " they dont have email ''. I then submitted disputes with all three credit agencies to get the fraudulent account removed from my credit report. The dispute with XXXX allowed me to see that the account had been opened with the address " XXXX XXXX XXXX, XXXX NJ XXXX ''. This is an address thousands of miles away from my home in XXXXXXXX XXXX. I have never lived at this address, or anywhere in New Jersey. Furthermore XXXX XXXX shows this address is a commercial office complex. XXXX XXXX XXXX TD Bank accepted this address for opening the account even though it did not match my credit file address, and was not the type of address that would be reasonable for this type of account. The XXXX dispute came back with no action taken. According to the report " We verified that this account is yours ''. They obviously did no such thing. XXXX clearly didn't even contact the creditor since the phone number they have for the creditor is non-working. XXXX failed to make any sort of an investigation whatsoever. Likely, all they did was request XXXX XXXX/ TD Bank account data electronically and verify that it matched what was in their own records. This sort of verification is not an investigation, and is only capable of detecting errors in the credit bureau 's own records. It is completely useless for investigating fraud and account ownership records because by definition the creditor 's records will match the credit bureau 's. This is not a clerical error, it is account fraud. I attempted to file a police report with the XXXX XXXX XXXX XXXX XXXXXXXX but was told that they don't accept identify theft cases, unless I can " prove it ''.
Company Response:
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: To date, the bank charged me over {$1500.00} in overdrafts fees and only refunded some if it. =================================== Complaint Against : TD Bank , N.A . Corporate Head Office XXXXXXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX ==================== Dear sir/madam, I am writing to make a complaint against the above mentioned bank regarding an excessive numbers of fees applied to the following two accounts : ============================ Checking Account # XXXX ============================ Money Market Account # XXXX ============================ I have spent reasonable efforts to have the bank rebate the numerous and excessive fees applied to the above two mentioned accounts. I would like to have all fees rebated for financial hardship. I can't afford to lose such amount. Thank you for your kind assistance and look forward to hearing from you. Respectfully, XXXX XXXX XXXX : XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I had a vehicle loan with TD Auto back in XXXX. My vehicle was paid off around XXXX and I received the title for it. Unfortunately, it is now XXXX and I no longer have that title and am in the process of selling the vehicle. The XXXX has brought to my attention that there is a lien showing from TD Auto Finance which deters the DMV from providing me with a duplicate title. On XX/XX/XXXX, I made a call to customer service department and spoke with a gentleman ( He did not provide me with a name or employee id ) who assured me that a lien release or a letter of non-interest would be mailed out in 7-14 days. I called again approximately a week later to check the status and was told by another rep that the request was not put through and that she would put it through. I called back on Wednesday XX/XX/XXXX and spoke with XXXX XXXX ID XXXX who informed me that he saw no history of a request for the lien release but assured me that he would escalate the request to be processed within 3-5 days. I have called a total of three additional times and as of today the request supposedly shows that it has reached the title department and that the paperwork should be mailed by the end of this week. Naturally, I have no way of knowing whether this is true or if my lien release is ever going to be mailed at this point. It seems to me that each time I call I am getting nothing more than false information. I have spoken with two separate managers to no avail.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had originally Disputed the debt with TDXXXX back in XXXX stating that the account was not mine and was opened due to identity theft in which I believe my ex wife was involved. I filed a police report and sent to TDXXXX along with XXXX, XXXX, XXXX. Each bureau removed this item from my credit profile due to identity theft. Upon talking with TDXXXX a representitive stated they would never let this debt go as they had my signature. After having to prove it was identity theft TDXXXX still continues to report the invalid debt descimating my credit score every few years. Hindering my chances at home ownership/vehicle purchases.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card information was stolen and used on a sports betting site to cash out. Payments were made on my credit card account which bounced later on, resulting in maxing out my credit limit. I have proof I was out of the country while all this happened, which I have attached below.
Company Response:
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally Protected Consumer I am now opting out of any and all authorization I the consumer signed, agreed to, verbal, nonverbal and written. per 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( XXXX ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( XXXX ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( XXXX ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( XXXX ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( XXXX ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( XXXX ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( XXXX ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: XXXX ext XXXX and XXXX XXXX is her name. She works for TDBank. i am part of a deft relief program and XXXX law is negotiating for me and this bank has called my ex husband and i daughter about this issue and harassing. Need this to stop
Company Response:
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A