Date Received: 2022-10-03
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: Nordstrom is reporting inaccurate information on my credit report about being late. They are Reporting late on XXXX and XXXX and on time on XXXX.
Company Response:
State: NY
Zip: 11967
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022, I was a victim of a XXXX XXXX, which cost me {$82000.00}. I am writing to see if I can receive assistance in recovering my lost savings. This involves Negligence with my XXXX XXXX and the Fraud Department at TD Bank. I kept a record of what happened, and I have provided a timeline of events which XX/XX/XXXX through XX/XX/XXXX on separate pages. On XX/XX/XXXX, I received a popup message, of a trojan spyware alert and that my IP address was accessed. I could not clear the screen. When I called the IT customer department at XXXX and described my situation, the customer service agent told me to contact XXXX or my service administration provider. I thought XXXX was my system administrator. Since I couldnt use the laptop to locate any information. I called the XXXX phone number on my screen. The result of this was working with two people, I subsequently learned were fraudulent ), impersonating a XXXX technician and a customer service representative at the Fraud Department at TD Bank. This was all done over the phone and internet between XX/XX/XXXX and XX/XX/2022. The TD Fraud phone number was mirrored, I thought I was speaking with my bank. On XX/XX/XXXX the Director of Client services called me and followed up with an apology in writing stating that the agent provided incorrect instructions, causing all the troubles for me. During our phone conversation, I was told, going forward that the company has since changed their company training policy to prevent this from happening again. The TD Fraud agent ( I later found out was a fake ) told me that not only were my financial accounts hacked but it had escalated to Identity Theft. To secure the money I needed to transfer the money to a safe FTC account. The wire transfer took place on XX/XX/XXXX around XXXX. After the wire transfer was completed, I realized something was not right and went directly to the XXXX TD Branch to try to figure out the situation and to subsequently stop the transaction. I was at the bank by just before XXXX on XX/XX/XXXX. The VP of the XXXX XXXX immediately initiated an emergency recall. The VP told me that the transaction was still pending at that time on XX/XX/XXXX and there was a good chance of stopping the transfer. I was hesitantly relieved. I expected going forward that the bank would update me on the status. However, not receiving any further feedback from the bank, I made multiple phone calls to the TD Fraud Department on my own starting a few days after XX/XX/XXXX. The information I received with my first call to TD Fraud department they handled cases as they were sent in. The agent could not find my case. I was never given a case number, so she had to search for it, because she could not find anything. Eventually she found it and it was on a desk waiting to be handled. She said policies had recently been updated and she was not up to date. I asked why it wasnt a priority because it was an emergency recall and involved the {$82000.00} being stolen from me. The agent had no answer. I was appalled this was the type of service that I received, especially given the exorbitant amount of money involved. On XX/XX/XXXX I called TD Fraud Department to see if there were any updates. The agent saw a recall and could not provide me with any more information. At this point I believed the emergency recall that was placed to the TD Fraud department may have sat on someones desk. I dont know what happened after that phone call was made, as the bank officials provided me no information at all. XX/XX/XXXX when I made yet another call to XXXX XXXX department. This agent was very surprised by the lack of information and the type of service that I received and apologized. I finally received a case # and an update that it was being investigated. Updated information was going to be emailed to the local office by the banks investigator and again that is where I needed to go for my update. I was amazed and frustrated they could not provide it directly to me. I drove to the local branch to get the update and was told that in fact it was being investigated by XXXX, the banks XXXX XXXX XXXX, internal department. I already knew that! XX/XX/XXXX, I spoke with TD Fraud department once again and told my story again to a new agent and she also was expressed concern about the service I received. XX/XX/XXXX, I called the TD Fraud asking for copy of the log/timeline of how my case was handled from XX/XX/XXXX to XX/XX/XXXX. The TD Fraud agent could not provide that information directly to me, they didnt have those records. The bank manager could request that information. On XX/XX/XXXX I emailed the VP at XXXX XXXX XXXX for a copy of the log/timeline of how my case was handled from XX/XX/XXXX to XX/XX/XXXX. The VP at the XXXX branch failed to respond for nearly 2 weeks when on XX/XX/XXXX and I was told on or about XX/XX/XXXX the Investigation Agent was made aware of the fraud and the case was essentially closed. That was my log/timeline. An emergency recall was allegedly placed on XX/XX/XXXX. The investigator did not receive the information until nearly 3 weeks later? And my money was stolen with no accountability, records, or support? How could the bank institution Fraud department not keep a running log of the case, and why did the investigator not receive information until on or about XX/XX/XXXX? If they had followed the appropriate steps upon finding out their customer was a victim of fraud, I would very likely not have had {$82000.00} stolen from me. I never provided personal identification at the time of the transaction. I'm not sure if this was reported to XXXX. I greatly appreciate any assistance that can be provided. XXXX XXXX
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/2022, I mailed a Validation of Debt and Cease and Desist Letter, to TD AUTO FINANCE with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via XXXX Mail # XXXX. TD AUTO FINANCE received these instruments on XX/XX/2022. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt and day of receiving Affidavit of Truth to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned XXXX XXXX can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. Conditional Acceptance Formal Conditional Acceptance and XXXX XXXX XXXX was sent to TD AUTO FINANCE as a result of their failure to comply with demands stated in the Validation of Debt Letter, unpaid Invoice ( Bill of Particulars ), and Non-Compliance Affidavit. Said Conditional Acceptance was sent via XXXX Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022. NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by TD AUTO FINANCE, having not received and showing no record of response to items listed in my Conditional Acceptance was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 XXXXNo response has been given on said XXXX XXXX. NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of TD AUTO FINANCEs failure to cure and honor Fault places TD AUTO FINANCE in Default. For the course of dealing, set forth herein, with TD AUTO FINANCE failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, and Conditional Acceptance constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Conditional Acceptance. All items listed can be provided as proof on legal document with notarized signature that all opportunity has been given to TD AUTO. Along with these are a multitude of statements, and a threatening letter sent by TD AUTO after the cease and desist was received.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I wanted to have late payment forgiven for XXXX made in XXXX XXXX days. I was late due my job cutting my hours in XX/XX/XXXX and XX/XX/XXXX and then laying me off due to covid 19. In XX/XX/XXXX. I requested forgiveness for late payments made to td bank In XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I was laid off in XX/XX/XXXX. I contacted both companies and did not forgive after phone calls and sending good will letters. XXXX card would not remove payment made late in XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. My hours were cut in XX/XX/XXXX and I was laid off in XX/XX/XXXX. They closed my account knew I was in Hardship and refused to help at that time. I had since then made payments on time for all three credit cards. I contacted company and refused to give me forgiveness even after closing my account and good will letter. XXXX XXXX I contacted company with goodwill letter and refused to forgive. XX/XX/XXXX late payment I was laid off. XX/XX/XXXX XX/XX/XXXX my job cut my hours. In addition household closed my account. I was late in XX/XX/XXXX but my boss cut my hours. They also closed my account and refused to forgive after phone call and good will letter. XXXX late XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and they refused to forgive my late payment Even after I sent the goodwill letter and called them. Also I my job cut my hours in XXXX XXXX and XX/XX/XXXX was laid off in XX/XX/XXXX. This why I was late I have made my payments on time since then to all companies listed.
Company Response:
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX the XXXX I wake up find out I lost XXXX points on my credit report by the 3 bureaus, I was shocked and frustrated and embarrassed with td bank na bout a delinquent, I did not had any knowledge of it since i been making my payments on time for the past 3 years, when I tried to reach out to td bank they didnt help me at all whit this matter, they representative Hang up the phone on my several times and be rude and put on hold no body answer I was to apply for loan and credit card theyre denied me.. please I need help to resolve this issue.. thank you
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: My Target card was included and discharged with the bankruptcy I filed. However, the account is inaccurately reporting as a charge off with an increasing balance every month! I have disputed with the credit bureaus, contacted the company to resolve it, uploaded proof of the bankruptcy payments to Target from the bankruptcy trustee, and also uploaded the paper I received from the bankruptcy court verifying the account has been discharged.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Auto has reported as me having a late payment which is not accurate. All of my payments have been paid on time and accurate without fail.
Company Response:
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I'm not sure what they are trying to do but they have a grudge and they are reporting illegally, incorrectly, and falsely. My account went delinquent 4 years ago. They are reporting to all 3 credit bureaus as recent delinquency as of right now. It is not recent delinquency it is 4 years old and should not be reporting as a recent delinquency. I want it to report correctly and accurate that it's not a recent delinquency and is 4 years old.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I received an offer to open an account with TD bank and opened the account in XXXX of XXXX. In order for the account to not incur fees I needed to maintain a minimum of XXXX between checking and savings. I met this requirement with my initial deposit and was also informed even though it would take a few days for funds to show no account fees would be charged the first 40 days after account opened. I was charged a fee the first month the account was opened. I called and agent reversed the fee. I asked her to check account to make sure I was meeting all requirements and she said I was and couldnt determine why I was charged a fee. I told her there could be a broader issue and fees are incorrectly being charged to more than just my account. Its unlikely this is a one off. But she assured me it was and I should t be charged a fee again. I am reaching out to the cfpb because I was charged a fee again despite meeting all requirements to be a no fee account and I do believe this fee is incorrectly being charged to multiple accounts and TD is only crediting customers that call.
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A