Date Received: 2022-09-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2021 someone tried to open a credit card under my name at 'Nordstrom Card Services XXXX. I have informed the company to not to open ac account under my name as I am victim of ID theft.
Company Response:
State: CA
Zip: 94947
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD BANK USA/TARGET CREDIT did Hard Inquiries on XX/XX/2022 without my notice
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have a checking account in TD Bank ( XXXX ). I tried to close it. They said I'd need to visit a branch. But I'm not in the XXXX XXXX XXXX XXXX. I asked the XXXX XXXX XXXX for help. Then, they closed it once. But when they sent me the balance in a check, as the balance became {$0.00}, they charged the penalty for the minimum balance ( below {$100.00} ). I complaint. Then, they refunded it. But then again, they put it in my account that had been closed. This means that they reopened my account, and they'll keep penalizing for the minimum balance every month. This is ridiculous. I asked them to close the account completely and to send the refund in a check by mail, not in my closed account. They said they can't and asked me to visit a branch, which I can't.
Company Response:
State: NY
Zip: 11377
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have 3 accounts reporting late payments which are inaccurate. Companies are XXXX XXXX XXXX XXXX 1 LATE PAYMENT NORDSTROM/TD BANK USA 2 LATE PAYMENTS XXXX XXXX XXXX 3 LATE PAYMENTS ALSO inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ( XXXX XXXX ( Finance ) XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2022 2022
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: ACCOUNT NUMBER XXXX TD BANK SUPPOSEDLY CLOSED MY BANK ACCOUNT FOR FRAUD BUT IT WAS DUE TO BAD MANAGEMENT BUT THEY REPORTED ME TO EARLY WARNING SERVICES AND NOW I CAN NOT OPEN BANK ACCOUNTS, I suffered from bank fraud in my first account with TD bank ( my account ending in XXXX ) where I made a dispute about the money that had been stolen from me and indeed the bank contacted me to indicate that if I had suffered a robbery that the bank would respond for part of my money. One week after the money was returned to me, I went to the branch in XXXX FL XXXX where XXXX was the banker who assisted me, he told me that the money that had been returned to me was ready to be used and that if I wanted he would open a new account for me ( the one completed in XXXX ) Which I asked him if I shouldn't wait for a few days or months and to which the banker XXXX told me not to worry that even he ADVISED ME AND I QUOTE- YOU SHOULD AT LEAST GET THE HALF OF ALL YOUR MONEY BECAUSE IF YOU WERE STOLEN ONCE IT'S BETTER TO HAVE IT IN OTHER BANKS OR IN CASH- to which I agreed to follow his advice and send part of my money to my XXXX external accounts with another bank, for three days later after discovering that TDBANK closed my account for alleged fraud. When I talk to XXXX again he tells me that the bank regularly does that so I have to wait for my money in a check, TD BANK blocked my account on XX/XX/XXXX ( of this year ) and they blocked all my money, they said that the bank had made the decision to close my account FOR COURSE FRAUD and that they would return the money to me in a check and then week after week the assistants at the bank located in XXXX fl gave me different excuses, even mentioning that they did not know where my money was and that they did not know if they would return it to me in a check. Time passed and every week they avoided attending me or speaking to me but one day they attended me and told me that my account was closed as of XX/XX/XXXX ( of this year ) and that I should wait until XX/XX/XXXX when a check would arrive, but on the XXXX XXXX I returned to the same branch where the man who attended me ( XXXX ) told me that he did not know where my money was and that it was best that I forget about it, provoking a strong reaction in me to the point that this worker, telling me that it was against his rules, he was showing me his computer screen so I could read the emails he had about my case ( I have video ). On XX/XX/XXXX I went back to the branch of this bank where the same man who told me that he did not know where my money was, answered me and I quote XXXX DID NOT SAY THIS, BUT THE BEST THING IS THAT A LAWYER TAKES YOU.- ( I have video ) where it tells me that the bank has made the decision not to return my money. Almost three months later TD bank returns my money which is somewhat contradictory since if they closed it for fraud they should not return it to me but they realized that I did not do fraud, but now they left my name listed and I can not open bank accounts, I have tried to communicate with several TDBANK workers and they have all told me that the closing due to fraud was due to the withdrawal of half the money in less than 3 days, but when I explain to them that I did what the man XXXX told me to do, they all laugh And they say that I shouldn't have done it.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2022 ; I purchased two XXXX watches at XXXX XXXX XXXX store located at XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX. The total amount of the purchase is {$93.00}. The funds was withdrawn from my checking account I have with TD bank. However, on XX/XX/2022 another transaction in the amount of {$37.00} was posted to my checking for the same purchase. I called TD bank and explained to one of the account ; the funds of {$93.00} was taken from my checking however, I can not find the transaction in my checking account history. I was told by the accountant sees the transaction of {$93.00} however it was taken off. The accountant couldn't explain why the funds {$93.00} was withdrawn then taken when there is a balance of {$110.00} in my checking account and a balance of {$84.00} in my saving account.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened the account but never received a card or account information. I went into the branch in XXXX XXXX an was denied access to my accounts
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
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: Multiple collection accounts with no validation provided from the original creditor showing that this account is valid. disputed with credit bureaus directly and no response with proof of validation received Accounts are not valid
Company Response:
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Opened XXXX account. Made several phone payments that were returned company citing " wrong account. '' XXXX XXXX and myself both provided company with bank routing, checking account number, and account balance to show all information provided was correct. This still did not correct problem. Payments could not be made via phone or online services. Several calls were made back and forth to correct the problem myself providing all the information requested. Problem still happening. Bank recommends having my financial institution submit payment on my behalf. XXXX XXXX agrees. XXXX XXXX still encountered payment processing problems. After several attempts and persistence from XXXX XXXX, a payment was processed to bring the account to close. However, T D bank wants me to pay the late fees that have accumulated over time and have also reported the late payments to my credit report due to a problem that resulted from their company. I don't think this is fair practice. I shouldn't pay for error and lack of knowledge of their clerks.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2022, I attempted to open a checking account at TD Bank. I was advised that the only way I could open the account is if I provided a credit card number in the form of the Social Security number, which I do not own but am a beneficiary of. I did provide the Social Security number and did open the account as a beneficiary. Any activity on the account is to be for my benefit. TD began deducting money from the account and I do believe that the money that was deducted was done so fraudulently, in violation of Consumer Protection Laws, and not for my benefit. I did contact TD Bank between XX/XX/2022 and XX/XX/2022 regarding the fraudulent deductions. I was informed that the matter would be corrected, and the money that was removed from the account was put back. As of XX/XX/2022, TD Bank has begin deducting money from the account again, fraudulently, and not for my benefit. When I attempted to speak to someone by calling the customer service phone number, I was told that I would have to go back to the location I opened the account in. When I asked for the contact number or email address for the legal team or law department, I was instructed that there was no contact information and that I could not speak to anyone to settle this matter. I have attached a redacted version of the new account form, where I signed as beneficiary.
Company Response:
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A