Date Received: 2022-11-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Credit application on XX/XX/2022 from a TD CARD SERVICES
Company Response:
State: NC
Zip: 283XX
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: 2022-11-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am financial power of attorney for my mentally XXXX, XXXX XXXX XXXX XXXX named in this complaint. I am submitting this complaint on her behalf. She is dependent on a subsidized housing program where she lives on disposable income of $ XXXX a month after she pays her portion of rent from her $ 900 monthly social security income . 3 years ago she had a XXXX credit score and could not obtain housing when applying at new facilities - that's when I took over and fixed her credit and began managing her accounts- Keeping a good credit score ensures that she is not homeless if and when she is forced to apply for another housing complex. After fixing my sister 's credit, she had a XXXX credit score at the time that she visited a Nordstrom XXXX XXXX in XXXX oXXXX XXXX My sister was keenly aware that she was not to open any credit cards after I fixed her credit and was - and has been - very diligent about trying to keep that promise. On XX/XX/2021, she was checking out of the XXXX XXXX Nordstrom in XXXX, WA, when the sales clerk offered her a discount on her purchase if she applied for a Nordstrom Credit Card. The other relative there as a witness stated that XXXX declined. The salesperson would not take no for an answer, XXXX declined a second time, and then on the third attempt, she finally relented, feeling pressured and unable to decline if she wanted to purchase the items. Not only did this salesperson badger a mentally XXXX senior citizen to obtain a credit card she repeatedly stated that she didn't want, the credit card came with a 28 % interest rate!!!! While my sister had a XXXX credit score ( certainly worthy of a better interest rate than 28 % ) she had virtually NO INCOME!!! Yet they approved her for a {$2000.00} limit!!! My sister is aware that she is financially incapable of making good financial decisions which is why she was so diligent about declining credit card offers prior to the Nordstrom incident. I only recently became aware of this account and how hard it has been for my sister to maintain this account. I am now aware than a payment has not been made in over 120 days ; my sisters previously perfect credit is now in the XXXX range, which means if she were to have to apply for a new housing situation at this time, she would not qualify which would leave her homeless! I am absolutely completely appalled at Nordstrom 's predatory lending practices! They absolutely took advantage of a mentally XXXX senior senior citizen with NO financial resources! In speaking with the representative over the phone today, she said this was a major problem and that there have been a lot of complaints made about hard pressure sales persons forcing customers to obtain credit cards. I want the balance on this credit card FORGIVEN! They illegally and knowingly harmed my vulnerable sister so that they could obtain unreasonable financial gain at 28 % interest from someone who had no ability to ever pay off that balance! Although she made a good effort at trying to maintain the minimum payments all these months, these recent late payments have greatly impacted her credit! My sister has been irreparably harmed by their actions, waiving interest on the account is not good enough, they are still reaping the benefits of their ill-gotten, predatory efforts. Nothing will change with this company if they are allowed to make a measly token of remediation, ( waiving interest is their current offer of remedying the situation ). When my sister declined on more than one occasion, the Nordstrom representative should have taken her at her word, instead she relentlessly and repeatedly forced the issue, just as they are continuing to do it to other innocent consumers. Furthermore, with virtually no income, there's no way my sister should have been approved for {$2000.00} limit! Nordstrom needs to take responsibility for their wrong doing and forgive this balance and correct any credit deficiencies this account has caused.
Company Response:
State: WA
Zip: 98926
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a home equity loan with : TD Bank XXXX XXXX XXXX XXXX XXXX, Nj XXXX XXXX XXXX XXXX : XXXX I plan my budget and pay my mortgage payments when money is available. On XX/XX/2022, we paid our mortgage in the amount of {$2400.00} The check cleared on Saturday XXXX XXXX. On XX/XX/2022, the payment still has not posted. I have called the mortgage department numerous times. They claimed in their system the payment was 'lost '. The research department is currently trying to 'find ' it. This is the 6th time in 3 years. The bank appears to be unable to process checks for mortgage payments. Per tellers, the process is very confusing. But it requires a customer to be vigilant always and check to ensure the process has cleared. All the while I am subject to interest on something I paid for 5 days ago.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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: I have recurring payments setups submission in month of XXXX to my TD Retail Merchant bank ( www.myonlineaccount.net ) Frequency Is Monthly. But they are saying Recurring payments submission and they did not drafted my payments was not submitted, 2 ) And they reported to XXXX, XXXX, XXXX so in the results of their reported i am not agreed with their outcome.they are unfaily reported my information. And they are not removing my late payments history from their site and not requesting from all other three credit bearue to removing my late payments history which is hurting on my life. So i am requesting you cfpb have them TD Retail Card/ XXXX financing or myonlineaccount.net along with all three credit bearue to removed my late payments history Month of XXXX and Month of XXXX. As soon as possible. And i assuming them i will be always making my payments on or before time.. XXXX ) every time i connect with their payments customers support on the phone support mostly they have XXXX speaking ladies and they are very rude in conversation which make my feelings hurt. Which they inaccurately repoted my information to the credit bearue months i m listing below. XX/XX/2022 XX/XX/XXXX XXXX
Company Response:
State: TX
Zip: 77365
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My problem is with TD Bank. I have my account with TD Bank and I wrote checks to the United States Department of the treasury to pay my taxes on XX/XX/2022. These checks were stolen, forged and deposited or cashed by the XXXX XXXX XXXXXXXX. I filled out affidavits of forgery and police reports. TD Bank has not reimbursed my largest check that was stolen for {$4600.00}. This check was clearly made out to the United States treasury and had all of my information on it including my Social Security number and phone number. TD banks fraud department has not reinbursed my money and it has been six months!
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: By way of background, I opened this account when I purchased a new XXXX XXXX XXXX at XXXX XXXX and XXXX offered interest-free financing. I did not receive any statements by either snail mail or email until XX/XX/XXXX, when I received a statement saying that I owed three late fees. Turns out that this financing is from TD Bank. I spoke with their representative by phone in order to address and fix this situation. I said that I wanted to pay off the entire principal balance, because this financing was more trouble than it was worth. I said also I was willing to pay one late fee but that the other two late fees had to be removed. On XX/XX/XXXX, I paid a total of {$1400.00} for principal and one late fee. During the initial call, the TD representative said she could only remove one late fee, and that a supervisor was required for the second. After placing me on hold for an extended period of time, she came back and said that she had not be able to locate a supervisor, but that a supervisor would contact me again if it were not possible to remove the second late fee. My paying the principal balance in full, plus my paying one late fee and they removing one would leave {$29.00} balance pending resolution ( i.e. approval from the supervisor ). I heard nothing back until a XX/XX/XXXX letter claiming that I now owed {$110.00}. In other words, they were now charging late fees on the late fee they claimed was outstanding. I has spoken with their representatives at least four times since then. They say that they can not resolve anything. I wrote to them disputing the charges and they have rejected my dispute, simply saying that the credit agreement allows for this. They have made disparaging remarks to the credit bureaus and they call several times each week. The people who call do not know anything of the history or discussions I have had with TD Bank to date. This is the worst finance company I have ever come across. Hard to imagine that XXXX uses these people or that a company like this can even exist in today 's world.
Company Response:
State: MA
Zip: 01002
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This dispute falls under several categories. I had fraud on an active target account. My identity was stolen and a vehicle, credit card and numerous other trades were compromised or opened without my authorization. I have file XXXX XXXX etc and this account was dormant with no activity for years. Now its showing charged off. I dont owe it however to close on my home I paid it at closing in XXXX. The reporting is inaccurate.. didnt owe it because it was fraud.
Company Response:
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Received a check for {$1000.00} in XX/XX/XXXX for my security deposit from a property management company. I mobile deposited the check in XX/XX/XXXX and the money was put into my savings account. About six months later in XX/XX/XXXX, my savings account showed a withdrawal of {$1000.00}. After calling the bank to find out more, they referred me to a bank branch for an answer. They said that someone intercepted or copied the check ( same check with same numbers -- different signatures! ) and that it was mobile deposited before my deposit occurred. The bank ( TD bank ) told me to file a claim with them and then to file a claim with the bank of the original check ( XXXXXXXX XXXX ). I followed their lead, but after 120 days of waiting for a response, there has been no response from XXXX XXXX TD bank says they can't give me my money back without an acceptance from XXXXXXXX XXXX. TD bank was responsible for the check being deposited both illegally and legally Two times! The funds should be replenished to my account. It is obvious that I am the rightful owner of the check and the funds but the banks are not safeguarding my funds. It's not my job to chase around funds that the bank was incapable of protecting. I realize it's a small {$1000.00} but I am a hard-working individual trying to pay off college debt and pay off my own bills.
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I was the victim of fraud. I had an item for sale on XXXX XXXX for {$300.00} and received an interested buyer. The man offered to pay me on XXXX and pick-up the item the following day. I never used XXXX before, but he told me it's already linked with my bank ( which I saw on my bank app. ) So, I gave him my email to send the money to. I then received an email that looked like it came from XXXX, stating that my account was restricted due to an account limit. It said that the buyer had to send me an additional {$500.00} in order for me to upgrade my account to " premium. '' I thought this was strange, but " XXXX '' told me that this happens with new users on XXXX, and he would send me the {$500.00} to upgrade my account, if he had my trust to pay him right back. I thought this was a real, honest person so I told him I would absolutely pay him right back. I then got another email that I thought was from XXXX, stating that the {$800.00} was now in my account and I had to transfer the {$500.00} that the person " paid '' me to a XXXX agent, so the money could be returned to " XXXX. '' So I did it, I sent {$500.00} to who I thought was a XXXX representative. This of course was the scam, as " XXXX '' didn't actually pay me anything. I then got another email that I had to pay a {$1000.00} proof of funds fee to receive my original payment today. I was able to cancel that transaction before it went through, because I luckily sent it to the wrong email and immediately reversed it. At this point I'm getting very frustrated, as I just wanted to sell my XXXX XXXX item. I finally called XXXX and they informed me I was the victim of a scam, and that of course XXXX had no responsibility to reimburse me for my loses. I immediately called my bank ( TD ) and informed them of what happened. They told me to call them once the transaction of {$500.00} was no longer pending, because there wasn't anything they could do to dispute a pending change. I'm not sure why they couldn't just cancel it, since it was pending. Anyway, I called them the next day once the charge was no longer pending. They took my summary of what happened, and said they'd conduct an investigation and I'd receive a letter in the mail in 7-10 business days with the results. I got the letter which denied the dispute because I intentionally sent the {$500.00}, and their investigation was concluded. I called my bank to try and argue this, as I sent the money to someone impersonating a reputable financial institution. They said they'd file the dispute again, and I'd receive a notice in 7-10 business days. It's been over 10 business days and I've received nothing. This is my first time being a victim of this type of fraud and I feel I should be reimbursed the {$500.00} I lost. The bank could have cancelled the pending transaction before it even went through. The bank could have tried to get the money back from the account it was sent to. This is a XXXX XXXX corporation, and I'm just a lower middle class person trying to pay rent and make extra money on XXXX XXXX. That {$500.00} is a big deal to me. I've been a loyal customer with TD Bank since I was a teenager. Shouldn't my money be under some type of insurance protection from this type of fraud? I just want what's rightfully mine.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TD Auto Finance was the company financing my XXXXXXXX XXXX I lost my job and this situation made me request an extension on my monthly vehicle payment, I was asked to pay a finance fee the extension that I got approved was for 3 months, I paid the interest and I was in a good place, this extension was never applied to my account and continuously called me, my account was showing past due for 3 months, I didn't have another option than borrow the money and paid off the vehicle, TD Finance promised to correct the mistake but as of today they never did, because of their incompetent my credit drop several points.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A