Date Received: 2023-11-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My brother received today a notice to sale the car and in the letter said if they sell the car for less we have to paid for the remaining balance. The only thing that my dad left was this car he doesnt left anything else. My brother is asking that he dont want to receive any more letters of this account.
Company Response:
State: PR
Zip: 00923
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was a Target RedCard member since XX/XX/XXXX and always paid my bill on time, in excess of the minimum payment. In XX/XX/XXXX, RedCard returned my XX/XX/XXXX payment of {$26.00} and the reason given was " Payment Reversal - Backdate ''. A notification was mailed to my husbands new address. He is XXXX XXXX XXXX than me, and I received it way after. As a result, for six weeks I thought my RedCard account was paid in full. During this time, RedCard Services reported my account delinquent, reduced my credit limit from {$500.00} to {$200.00}, and sent notice to my husband 's new address. Based only on Target 's report, two more creditors reduced my credit limits, which in turn reduced my overall debt-to-credit ratio and reduced my credit score by more than 100 points overnight. I contacted RedCard Services in XX/XX/XXXX to update with my new address, when I learned of the late payment, the reduction in credit, and the delinquent payment reported to the credit bureaus. RedCard refused to accept responsibility for anything or remove the hit from my credit report. I was told I am responsible for the address update, and if not me, the post office, but not Target. I changed my address with Target RedCard and the post office in XX/XX/XXXX when I moved. Red Card told me that it understood I didn't like the decision, but it was not going to change. I was then told I was arguing with the guy responsible for reporting to the credit bureaus. I asked him to repeat what he said, and I asked what he meant, but he hung up. I am extremely disappointed with Target RedCard Services. As a result of their actions, my credit rating has been hit hard. I am no longer able to get the home financing I hoped for. Corporate America steps all over the little guy and does not care because I earn less than {$30000.00} annually. Shame on Target RedCard Services. I will never recommend Target RedCard or Target to anyone. Please share this with anyone wanting to shop at Target for Christmas. Help me fight back.
Company Response:
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I attempted to cancel my autopay on XX/XX/XXXX and also added a new bank account to manually make the payment, as the original autopay account did not have enough money to cover the transaction. I successfully submitted the payment from the new bank account. ( Email confirmation attached. ) I spent over 2 hours on the phone with customer service on XXXX after getting an email from my bank that 2 payments were returned due to insufficient funds. I was very confused because the bank that emailed that notice was the old auto-pay account that I hadn't used for the manual payment. After much back and forth with the customer service agent, they said they reached out to the tech team and because I added the new account before the autopay was processed, it pulled it from the original, incorrect bank account. I inquired how I was supposed to know that it would pull from the wrong account, if I specifically added to the new account for the purpose of making the payment. I also noted that the payment confirmation emails do not include the last 4 digits of the account it was paid with. The agent also informed me that there was no way to reverse the double payment from the incorrect account- they could only let it post and then start a case to process a refund, which couldn't be done for 8 business days. Nordstrom Card Services proceeded to retry the payment 2 more times, on XX/XX/XXXX and XX/XX/XXXX ; even after I had this lengthy exchange with customer service where they informed me that the payment processed incorrectly. I waited until the next bill posted to my account to go back and pay the full balance from the XXXX added bank account on XXXX. I attempted to use my card on XX/XX/XXXX to place an order on Nordstrom.com but received the error message to " Check card and billing address information or try a different card. '' I was confused yet again, because no information on my account had changed. I called customer service and after researching they stated that my account was blocked due to the 2 returned payments and " due to federal regulations, they have to wait 20 business days for the most recent payment ( XXXX ) to finish processing '' prior to me being able to use the card again- which would be XXXX. My issue is three fold : the company admitted a tech error on the manual payment that I made from the being incorrectly debited from the wrong bank account. And further, that my card was blocked for 30 days without notifying me. Reasons for which, were the fault of Nordstrom Card Services. Lastly- the " supervisor '' I spoke with on XX/XX/XXXX claimed that she could go back and listen to the original phone calls ; yet claimed there is no tech team that could have been consulted and I was incorrectly advised. I find it impossible to believe that a financial services firm such as TD Bank doesn't have tech team to consult about payment processing errors. The general negligence of the company without accountability for their errors is unacceptable. If this issue can not be resolved, I would like to close my account.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: An Hard Inquiry was reported by my XXXX XXXX XXXXhat NORDSTROMTDBANKUSA accessed my credit information from XXXX on XX/XX/ without my authorisation. Location of the NORDSTROMTDBANKUSA is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had any thing to do with the above agency and and this is defiantly a fraud.
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD Bank : A payment was made in the amount of {$1000.00} per an telephone agent assuring me that this payment would not be deemed as late and later I found out it was. This was the only payment in my payment history with them that was ever reported late and it was hurt my credit score immensely. I wrote them a letter on XX/XX/XXXX asking them to remove the late payment from my credit report, especially due to the peak of coronavirus pandemic.I sent the letter Certified Mail and it was received by TD Auto Finance on XX/XX/XXXX with no answer back to my letter. I tried to dispute this through XXXX XXXXXXXX XXXX with no answer back from TD Auto due to closed account. I am asking for the removal of the late payment from my credit report. due to my exceptional payment history which is a wonderful indicator of my credit worthiness and this payment should have never been deemed late due to the information given to me by the telephone agent who took the payment. XXXX XXXX XXXX XXXX : One payment has been deemed late and dated to XX/XX/XXXX. I have been a XXXX XXXX XXXXXXXX customer for over 15 years ( mortgage and cars ) and this is the only late payment that I have with them. I also sent them a letter dated XXXX XX/XX/XXXX via certified mail and I never heard back from them. I am asking for this erroneous late payment to be removed from my account. When I contacted them via phone on XX/XX/XXXX, they stated that this account has been closed and there is nothing they can do, Because of my exceptional payment history, I am asking for this erroneous late payment to be removed from my account, especially during the peak of the coronavirus pandemic.
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Dear TD Bank Customer Service, I hope this letter finds you well. I am writing to express my dissatisfaction with the recent response I received regarding my fraud claim, Case ID XXXX. I appreciate your prompt attention to such matters, but I must convey my concern with the resolution provided. Upon reviewing your email dated [ Date of the email ], I was surprised to find that the reason for the rejection of my fraud claim does not align with the information I provided during my conversation with one of your agents. The email suggests that the transactions in question are valid and attributable to my actions. However, I would like to reiterate that I was out of the country, specifically in XXXX, during the entire period of the disputed transactions. I want to emphasize that these transactions are not mine, and I have not authorized them. As I communicated to the agent, I was not physically present in the location where these transactions took place. Therefore, I find it perplexing that the rejection reason points to the transactions being legitimate. I kindly request that you thoroughly investigate my case once again and reconsider the rejection of my fraud claim. It is crucial for me to resolve this matter promptly, as the unauthorized transactions are causing significant distress and inconvenience. I am confident that with the correct information, you will be able to rectify this situation promptly. Please provide a detailed explanation for the basis of the rejection and, if possible, share any supporting documentation or evidence that influenced this decision. Additionally, I request that you keep me informed of the progress made in re-evaluating my case. I appreciate your prompt attention to this matter and trust that TD Bank will take the necessary steps to resolve this issue in a fair and timely manner. If you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have deposited 2 payroll checks this month. each time a 6 business day hold has been placed on my account with out any notice. due to this my account is over drawn with over draft fees. I checked with my employer the funds have left their account. I would like these funds released as I need to pay my bills and I am acquiring late fees due to TD not being transparent about holds
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a Nordstrom credit card that was included in my XXXX XXXX XXXX proceedings back in XXXX. The creditor chose to not participate, and the card should have been showing as a charge off since XX/XX/XXXX. However, due to some misinformation, misreporting, etc. the payments were showing as on time in the beginning of XXXX. This is inaccurate information, and should have been a charge off since XX/XX/XXXX and should have been gone off my credit report as a negative reporting item in XX/XX/XXXX ( 7 years for bk actions ). However, when disputed with XXXX, XXXX added an additional 3 years added to the negative action, and did not remove the action. I have called Nordstrom several times now, they've indicated that XXXX was told to remove the action, it was included in the XXXX XXXX, and XXXX disputed that Nordstrom told them this information and questioned the veracity of the statement. I am caught in the middle between Nordstrom informing me that they're telling XXXX to drop the negative action on my report, and XXXX saying there's nothing that they can do and to keep disputing the negative item on my report. I am also in contact with my BK attorney to see what, if anything I'm able to have them do to get this negative item off my report.
Company Response:
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I was attempting to get a loan with TD Auto Finance at the recommendation of my dealership. I was trying to purchase a new XXXX XXXX with XXXX XXXX in XXXX, TX. TD Auto Finance had already pulled my credit successfully and were trying to verify who I am by using my phone number ( something they say they have to do with a 3rd party software ). The software gave them an error and they were unable to verify my identity after doing a hard inquiry on my credit. Neither they or the dealership was able to provide me with answers. Shame on TD for doing a hard inquiry and not being able to proceed with the loan. I even asked for a manager or supervisor and was told that was not an option. It isnt fair that as a consumer my credit is damaged from a company I am trying, and fully qualified to get a loan with, for them to simply turn me away due to an error with their system. Their customer support is nonexistent and I am very disappointed in their response. The dealership is recommending I reapply with another bank which isnt fair to me because that results in another hard inquiry into my credit. The number I was given to contact TD Auto Finance is XXXX, option XXXX. I was instructed to ask for a bank interview with an underwriter. I have had my same phone number for 15 years and never had a different cell phone number. Why they insist on using a phone number verification I am not sure. But it seems like a poor system to do business with qualified people.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A