Date Received: 2022-05-30
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: We were advised by the TD Bank Credit Card representative on XX/XX/2022 that our credit card dispute would take a few hours to a few days to obtain our provisional credit back into our account for case no XXXX. We also provided a ton of documentary evidence to their fax number of ( XXXX ) XXXX demonstrating without a doubt that we were victimized by XXXX XXXX for Reason Codes 30 and 53, ie, " services not provided or merchandise not received, '' and/or " not as described or defective merchandise. '' To date we still have not received our provisional credit. Today when I called in to TD Bank Credit Card I spoke to 3 different morons none of whom could explain why this woman told us that, and then said I needed to wait 90 days ( 3 months ) which is totally unacceptable and unforgivable, especially when we provided documentary evidence also attached herein. Please urgently investigate and advise.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened a TD BANK N.A. checkings account on XX/XX/2022 ending in XXXX, as a consumer pursuant 15 U.S.C. 1692a ( 3 ). i received TD BANK N.A. banking access card and TD BANK N.A. checks with my Autograph. I attempted to create a online TD BANK N.A. account on XXXX XXXX, but was denied access due to a said fraud alert. Upon learning this I mailed a letter out to the C.F.O of TD BANK N.A. on XX/XX/2022, and TD BANK N.A. has failed to respond through any medium. 2 ) I have a right to an authenticated record of accounting. I am is not requesting a statement of account, the i am is requesting for an authenticated record of the accounting. I am hereby disputing the alleged debt, and to require that TD BANK N.A. provides the requested information within the time allotted by law, which is fourteen calendar-days. ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Filed previous dispute regarding unfair and unlawful business practices that violated my rights as a consumer. Conclusion of the collection agency per resolution letter on XXXX XXXX stated that file had been closed and collection actions were terminated and client being Nordstrom was aware I contacted Nordstrom as well and verified this to be true on Monday XXXX XXXX. I have been contacted in the past and present month by XXXX collection agencies collecting the same debt with 2 different accounts numbers! I spoke to " XXXX XXXX XXXX XXXX XXXX and spoke to XXXX XXXX in which I provided a copy of the letter. I spoke to them today in which they advised that this file would be sent to there office of the president. I also received a notification in writing from XXXX XXXX in which are using a different account number and I also have sent them a copy of the attached letter sent to me back in XXXX. I contacted Nordstrom Card Services today and spoke to XXXX XXXX at XXXX who seem to not acknowledge the letter that was sent to me informing that the file is closed and collection actions terminated. I have informed Nordstrom and advised legal matters will follow if this matter is not resolved! The Company that they hired previous XXXX XXXX violated my rights as a consumer, in which the file gets closed, collection action are terminated. Gets closed as a result of that and Nordstrom acknowledges and now they come back almost a year later and dismiss the agreement made. XXXX XXXX XXXX has informed me as of today that they have sent the Nordstrom file that was closed on XX/XX/21 to XXXX active collection agencies XXXX and XXXX XXXX same amount different account numbers. Both agencies have been sent a copy of the letter dated XX/XX/21.
Company Response:
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: target red card sent me a letter on XX/XX/18 saying my account is closed which is so mind bothering i did nothing wrong i submitted my payment now they closed my account and this going to affect my credit score i asked them to let me submit letter from my bank but i keep getting hanged up on from over seas reps i feel discriminated from all of this i even made means right, i returned the items i bought to get back to my balance even made a payment at the store the other day please open my account back.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I opened a bank account with XXXX. The following day I go to a different branch, and the manager kept looking at us. We told her we wanted to open a business account and to add my boyfriend with my personnel account. When I gave her the fax number she said I couldn't open the business account because my business was in XXXX and I lived in XXXX. The manager told me there was another account under my name. I was a victim of identity theft. The manager said she added my boyfriend to the account. We went to the teller to deposit the machine, when we get to the front of the line, they really looked at the money as if something was wrong. My card was declined. I told her I was a victim of XXXX XXXX and they wanted to know if I had any reports. I sent all the information that they needed. She said they opened the accounts and added my boyfriend. I tried to use the card and it was restricted. The next time I went to the back to deposit the money and when I walked out of the bank the card was restricted again. The called me and told me they were sorry and lifted the restriction. I received a check from a bill of sell and went to the bank to deposit the money. They said they would call and let me know when it is deposited. Two hours later, a call said the check was going to be returned. Today, I tried to use my card and they restricted my card again because they think I am doing check fraud. I have never over drafted my account. They have closed my account and I don't understand why they are holding my money. I have done nothing wrong.I been trying to get my funds and they keep saying no and when I ask for a reason they cant give me one I been discriminated by this bank over and over.
Company Response:
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Good afternoon, I'm writing for your help because currently TD bank North of MA freeze my account and held my account up bc they claim i deposit funds that were paid to me but not honor as they claim it seems fraudulent although they call the sender to confirm these. It's being held up for 14 days causing me to bounce my automatic payment, mortgage to become in default as i was trying to cure the debt since XX/XX/2022 The y have held my funds since {$5100.00} checking {$5000.00} savings {$11000.00} biz checking I have paid in fees due to the fact that my account is block {$3500.00}, now my mortgage is foreclosure totaling XXXX due immediately I also, lost money by fees {$320.00} business banking
Company Response:
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
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: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX of XXXX TD BANK PUT A HOLD ON MY ACCOUNT I HAVE ON BALANCE {$2100.00} THAT WAS DEPOSIT FROM MY EMPLOYER AND ALSO A CHECK FROM XXXX XXXX TAXES THAT GOVERNMENT WAS GIVING EVERY MONTH, I CALLED TD BANK AND ALSO WENT TO THE BRANCH AND ALL THEY TELL ME IS THAT MY ACCOUNT IS BEEN CHECKED AND THAT SOMEONE WILL CALL ME AND UNTIL NOW I HAVENT GOT A CALL BACK OR NOTHING I CALLED ON XX/XX/XXXX AND TD BANK CUSTOMER SERVICE SAID THAT THEY WILL INFORM THE PERSON IN CHARGE OF THE CASE AND I SHOULD RECEIVE A CALL WITH IN 5 BUSINESS DAYS AND I STILL HAVE RECEIVE A CALL THEY STILL HAVE MY MONEY ON HOLD AND NO ONE FROM TD BANK HAS AN ANSWER FOR ME OR EXPLAIN TO ME WHAT IS GOING ON. PLEASE HELP ME SOLVE THIS ISSUE BECAUSE IM HAVING REALLY BAD FINNANCIAL PROBLEMS AND I NEED THE MONEY. THANK YOU SO MUCH HAVE A GREAT DAY.
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a Construction to Permanent Mortgage in XXXX XXXX to help build a new construction permanent residence through TD Bank which was expected to be built and delivered by our XXXX with XXXX Months per our contract. I have had a terrible ongoing experience with TD and have been victim of deceptive sales practices, misleading communication, and incorrect processing and calculation of my loan. These various incidents have spanned over the course of the last 2 years where I had reached out to TD and escalated my concerns on multiple accounts. While I wanted to file this complaint earlier I was reluctant and scared to do so and didnt want to jeopardize anything with our until our loan recast process was finalized and our new reduced payment was finalized and set in stone. I can summarize the incidents as follows and can provide detailed email evidence of interaction and engagement with TD. Concerns : 1. Representative on XX/XX/XXXX Locked my mortgage rate without my consent as additional confirmations were pending from the seller of the property. Exceptions were needed to unlock the rate. I was also mislead indicating that if I considered a 15 day rate lock that some exception pricing would be possible where I would receive a better discounted rate. 2. I was informed by my XXXX when raising concerns around project delays that TD was accommodating exceptions during the COVID Pandemic and would extend terms to aid customers who were impacted by COVID. In my case I had a 1 year interest only term to finalize the build of my home which was delayed and impacted due to supply chain and other permit delays as a result of the pandemic - when I and my XXXX ( who referred me to the TD representatives ) reached out to TD related to accommodating an extension given the above circumstances in XX/XX/XXXX ( as my 1 year was approaching ) where they informed me that the option to extend my interest only construction period due to COVID19 ended as of XX/XX/XXXX. I was not aware or notified at any point in time that this option was going away. TD had been managing my draw schedule this whole time and they would have line of sight that my house was only 35 % complete with months left before my sizable loan was going to convert to the full principle and interest payment. I would expect that this would raise a red flag and we would be contacted to discuss our situation and any financial implications or options available to us such as a COVID19 Extension/Accommodation. Had I been informed there would be nothing to stop me from reaching out proactively prior to XXXX XXXX to request the extension of the interest only period. Furthermore, I was not notified until late XXXX where I received a letter that my loan was converting literally in days ( as of XX/XX/XXXX ) where my payment would increase by over XXXX and I would be responsible for carrying the entire cost of the full loan in addition to the existing mtg on my current home. This was a clear example of another communication gap where TD could have informed me proactively that this would be happening and give me my options given that their records indicate that my house if only half complete and not yet livable. As a resulted, i now needed to cover significant costs associated with maintaining XXXX larger mortgages which forced me to accelerate the sale of my old home so I can pay down a size-able chuck of principle ( XXXX ) and recast the large TD loan to make the mortgage payments manageable. This also impacted our family as we would need to find a temporary place to live for almost half a year until our home was completed which was not the expected plan with XXXX young children in school and daycare. 3. Additionally, after being turned away for the extension- I continued to receive inserts in my correspondence from TD that I can reach out for assistance given COVID assistance/implications which was like getting a monthly slap in the face. Again, I had reached out to TD and they informed me that this was only intended for those that are exploring forbearance ( not clear on the communication and misleading ). 4. In initiating the request to recast, I had engaged the TD team to start the process to recast where per contract I had the option to make a lump sum payment and my loan would be re-amortized for a {$100.00} fee. Upon initiating this request the previous sales person who originated the loan all of the sudden reaches out suggesting to explore refinancing - I found this concerning and raised questions as to why refinancing was even being suggested as an option given the refinance and recast process are very different and come with very different financial implications/costs. I was not given a concrete response as to why a refinance would be in my best interest as a customer. I proceeded with the recast option. 5. Finally, I started the recast process and paid down $ XXXX of my loan. I specifically sent in the payment for processing to apply the full amount to principle and avoid paying the larger amount for yet another month. When I received the final documents from TD they had inadvertently applied an additional payment ( P & I of the larger amount that I was explicitly trying to avoid ) and then applied the remaining balance to the principle resulting in an incorrect new payment amount ( {$2300.00} ) going forward. I had reached out to inform them of their mistake and the representative was very helpful and trying to resolve my concerns and they made the necessary corrections and reprocessed my paperwork to indicate the accurate new monthly payment of {$2300.00}. Once this was all finalized I was advised that there may be a delay in getting my next statement and that I should continue to go to the online portal and make my payments as I had been. When following those instructions the online system still prompted my for the incorrect payment amount of {$2400.00} which i paid anyway and I continue getting correspondence indicating the incorrect payment amount.
Company Response:
State: NJ
Zip: 07076
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A