Date Received: 2023-11-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am the victim of identity theft. A target credit card was opened in my name. I could not get ahold of any person from target to assist me. I emailed their fraud reporting and never heard anything back. I am requesting them to close the account and for me to not be held responsible for the fraud account
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, I was trying to log into my TD Bank account. Upon logging in, I discovered they closed my checking account for reasons unknown. I decided to call and they told me they have a no check status meaning the customer service on the phone was not able to see or give me a reason as to why they closed my account. The next day, I decided to go into the banking branch and find out what was going on with my account as I had money on there that I needed. The customer service employee and the branch advised me the same thing and told me my account is closed and she took m bank card and cut it and threw it away without still giving me any reasons as to why they closed it. I then asked them when I will be getting the funds in my account and they told me it should be mailed to me within 30 days. Fast forward to now Ive called multiple times the past months asking when I will receive my money and they continued to tell me the same thing. It should be mailed to me in 30 days. It is now XX/XX/XXXX and I have still yet to receive my money months after them telling me I would. Im unsure what to do and writing this complaint was my last resort. I just want my money back because it is MINE and it is not the banks right to continue to hold it away from me.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Late payment on your credit report is a privacy violation. In accordance to fair credit reporting act, XXXX XXXX XXXX, has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: A XXXX freeze was placed on my business account on XX/XX/2020. I sent out certified letters back in XXXX, XXXX to several TD Bank Facilities. However, my request for an answer and inclusion of this problem has gone unanswered, and I am requesting that my funds be returned immediately, and my loan be forgiven. I did try to complete the forgiveness of the loan with help of a specialist via telephone, who was sure that that would have worked. Unfortunately, my forgiveness was blocked for this alledged mistake of my business receiving a XXXX PPP Loan, and now I am also in debt with the SBA as well, which makes it even more difficult for me to apply for funding to get my business back up and running. This has caused my family to be faced with devastating hardships and adversities. We've been faced with a lot of agony, pain, and suffering. We have never endured such hard times or faced as many obastacles since the freezing of our business account, which was the primary support for my family. Therefore, I am asking that my account be reactivated and funds returned immediately.
Company Response:
State: SC
Zip: 29440
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I no longer have access to the dates when the situation first began because TD Bank has blocked my access to my former checking account (? XXXX ) but I will do my best. TD bank will be able to provide the exact dates for you. Sometime in late XXXX or XXXX of XXXX, I was reviewing my online banking statement for my checking account ending in XXXX. I've had this account for probably 20+ years. I noticed that there were two withdrawals that I did not make. One was for {$1000.00} and the other was for {$1.00} and both were withdrawn by a company called XXXX XXXX. I knew this was a way to send money to people but it is not a method that I have e-v-e-r used. I notified the Fraud Dept. for TD Bank at their XXXX # instead of my local XXXX branch . I provided the details to the woman on the phone. She stated that to prevent further similar withdrawals, I would need to close my account ending in XXXX. I believe she said my account was " hacked. '' I was told that this would be investigated and I would likely be able to have these amounts credited back to my account. She stated that my checking account ending in XXXX would be closed out as of 30 days from the date of my phone call. She asked if I had outstanding checks but I wasn't sure if I did. I was told that all checks on this account would be honored for the next 30 days but that I should try not to write anymore checks from this account. I'm not sure of the date but a couple days later I met with XXXX XXXX at XXXX Bank on XXXX XXXX in XXXX, CT for the purpose of closing my account ending in XXXX and opening a new checking account. Upon opening a new checking account I was told that TD Bank no longer issues temporary checks with new checking accounts. I ordered new checks that day but also knew that my old checking account would still be open until XX/XX/XXXX, I believe. Knowing I was to try not to write checks from my old account, I only wrote checks that were urgent/emergent such as to my eye doctor and the IRS. A couple weeks later I received a letter from TD Bank stating that I had overdrawn my old checking account but that my check for {$35.00} to the IRS had been processed because I had overdraft protection on my accounts. Herein lies the basis of the problems I am writing to you about. Despite the Fraud Dept. stating that my account ending in XXXX would remain open until XX/XX/XXXX ( or 30 days ... ) and sending me a letter acknowledging that I had overdraft protection on my accounts, they began bouncing several checks on me despite the fact that I had sufficient funds in my checking accounts to cover each and every bill that I paid. Additionally, I called the Fraud Dept. after receiving their letter and the woman I spoke with asked me to provide her with a list of companies that I wanted TD Bank to pay their bills regardless of which checking account the check was written on such that I would not have any bounced checks. The list I provided her with included : The IRS, my mortgage company, my health insurance premium, my XXXX card online pmt, my XXXX XXXX card online pmt, and any doctor 's offices. She stated that she wrote them down and any bills from these creditors would be paid. Unfortunately, she either did not write this down or she did not communicate this information with the appropriate individuals because I suddenly found myself receiving letters from TD Bank, the IRS, and doctor 's offices stating that my checks had been returned!!! I met with XXXX XXXX at the local TD Bank in XXXX at XXXX XXXX. on Monday, XX/XX/XXXX to explain that my checks were bouncing because the Fraud Dept. did not honor their promise to pay all bills from the creditors from the list which I provided for them, nor did they honor my overdraft protection on my accounts ( something they even acknowledged they were aware that I had in one of their letters to me ). Although I was not charged any fees for returned checks by TD Bank, I received numerous fees from my credit card companies, my doctor 's office, and the IRS imposed a {$25.00} penalty on a {$35.00} returned check! XXXX verified that I did have overdraft protection on my accounts. She stated she did not know why then my checks were returned when there was sufficient funding in my checking account to pay all of these bills. She also stated that my account ending in XXXX had never been closed out by the fraud department. She closed the account and transferred the remainin $ 200+ amount into my new checking account ending in XXXX. XXXX stated that she did not have the authority to refund the bounced check fees to me but that I had been a long-time customer of TD Bank and that she would speak to her manager and she was hopeful that she would be allowed to refund all the fees especially since it was not a lot of money. A day or two later I received an apologetic call from XXXX at TD Bank. She stated that unfortunately the bank was not going to be able to do anything for me regarding all the fees I incurred regarding the recent issue with my checking account. I inquired as to whether there was a special form or process in order to contact the banking commissioner regarding my complaint. At this point, XXXX then offered to contact the Fraud Dept. at TD Bank to see if they'd be willing to reimburse me for all the fees I had incurred which were not my fault. She stated she would get back to me in a couple days. It has been a couple weeks and I have not heard from her. I have extensive documentation which I provided for XXXX and which she photocopied so TD Bank in XXXX also has a copy of the following documents : 1. Bill for {$8.00} from XXXX XXXX XXXX And XXXX XXXX XXXX XXXX for a late fee incurred as a result of my online payment being returned. 2. Letter from XXXX XXXX XXXX XXXX with copy of returned check in the amount off {$190.00} which had now incurred a returned check fee of {$10.00}. 3. XXXX card statement from XXXX - XX/XX/XXXX indicating a returned check fee of {$30.00} for a returned online payment of {$1100.00} 4. Letter from the IRS requesting payment on a returned check for {$35.00} with an additional penalty fee of {$25.00} 5. XXXX XXXX statement from XX/XX/XXXX - XX/XX/XXXX noting a {$29.00} fee for a declined/returned check. ***Please note, I was able to get this fee credited back to my account. *** 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX premiums for {$140.00} which had been declined in XXXX and XXXX online. I didn't learn about this until I received a XXXX from XXXX stating that if I did not pay my premium for the month of XXXX, my health insurance would be canceled effective immediately w/o the ability to be reinstituted! I called XXXX immediately and paid {$430.00} over the phone for my premiums for the months of XXXX, XXXX, & XXXX. The customer service rep did not know what fees would be associated with the returned online automatic payments so this fee is still outstanding. If my math is correct and not including outstanding fees, the sum total of fees which I have incurred as a result of TD Bank not honoring the overdraft protection on my account and the Fraud Dept. not honoring their committment to pay all bills from the creditor list I provided for them, comes to {$73.00}. The only acceptable solution from my perspective as a long time customer of TD Bank and one who was not at fault for incurring these fees would be for TD Bank to reimburse me in the amount of {$73.00}. Thank you for taking the time to read my letter of complaint against TD Bank in XXXX, CT. I can provide you with all necessary documentation for the fees incurred. Similarly, the XXXX TD Bank branch also has a copy of all of my documentation. Sincerely, XXXX XXXX XXXX, XXXX, XXXX
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: This is a HELOC loan that I normally receive paper statements for in the mail each month. Statements stopped coming to me after the statement dated XX/XX/, which I received. The current due, ( by XXXX XXXX ) for that statement dated XXXX XXXX was {$420.00}. Although I have had trouble paying this loan, I am paid up through that statement. I have not received the statement for the payment due on XX/XX/, which should have been dated XX/XX/XXXXXXXX -- the day of the month all previous statements have been dated. I also have not received the statement I should have received that would have been dated XX/XX/XXXXXXXX for the payment due XX/XX/. It would not be the end of the world to just keep making payments over the phone for the XXXX and XXXX payments ( while I wait for the statement problem to get sorted out ), except that I have been told by the bank staff over the phone during my many phone calls to them that the amount due for XXXX is {$970.00}. This makes no sense as each month the payments have consistently been around {$430.00}, all the result of the increasing interest rates. A year ago this interest-only loan payment was less than $ XXXX monthly. I have called repeatedly over the course of the last two months to ask for an explanation for the increase for the month of XXXX and for the statement for that and future months be sent to me. I still have not had a statement sent to me. Bank staff have acknowledged that I have not been sent a statement. I have also had a number of different explanations for the one-time increase, that this includes " fees, '' and/or an increase in interest and/or penalties. For what, I don't know because I have yet to receive a statement. I have had a number of bank staff tell me over the phone they will look into this and get back to me, which has yet to happen. One of these phone calls to the bank took place on XX/XX/XXXX when I spoke to an XXXX XXXX from Loss Mitigation, who told me she would look into this and get back to me. She has not. Again, this was just one of at least a dozen phone calls I have made to try and get this resolved with the bank, all to no avail. I am becoming increasingly concerned that the bank seems to be preparing to attempt to force me into a foreclosure situation even though I am trying to pay this loan and get it to be current. I have had one bank employee tell me over the phone that {$380.00} of this added " fee '' for XXXX was for an " appraisal, '' but I have been sent no further information. The only other time I stopped receiving statements for this loan was in XX/XX/, which was related to the bank setting up a foreclosure action that took me months to resolve as this also was the result of the TD Bank 's inability/refusal to communicate effectively with me over my attempts to works with them on another loan with them ( that all was also detailed in a previous complaint with the CFPB ). There was also an " appraisal fee '' added back then, which supposedly was an added cost that was removed after that problem was resolved with the help of TD Bank staff person in Maine who was specially assigned to my case after I filed a complaint with TD Bank 's executive offices in New Jersey.
Company Response:
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i recently checked my credit report and i see on XXXX XXXX that i have a new hard inquiry from Td Bank/Target that i do not recognize and it resulted with my credit score dropping XXXX point. i file an report with Identity Theft also. i will like this inquiry removed as soon as possible.
Company Response:
State: PA
Zip: 19132
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: 2023-11-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Nordstorm : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also as stated in NORDSTROM CREDIT CARD AGREEMENT LINE 10 STATES 10. CREDIT REPORTING ; INACCURATE INFORMATION. I hereby authorize TD Bank at its discretion to furnish information concerning my Credit Card Account to consumer reporting agencies and others who may properly receive such information. I may provide written notification by writing to Nordstrom at XXXX XXXX XXXX, XXXX, CO XXXX, if I believe TD Bank has information about me that is inaccurate, or that TD Bank has reported or may report to a consumer reporting agency information about me that is inaccurate. There in no inaccurate information of mine with this account all information is accurate as also stated from XXXX XXXX Operations Control Management Lead all information is accurate, but still refuses and continues to report against my will.
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX recently alerted me to fraudulent activities and unauthorized credit inquiries made using my personal information. Specifically, credit cards were opened under my name with CXXXX XXXX, TD Bank XXXX, XXXX XXXX XXXX and XXXX ( XXXX ) on XX/XX/2023 and XX/XX/2023. I want to emphasize that I did not apply for any of these credit cards or allow anyone to run my credit. It's important that I take immediate action to report these fraudulent activities and protect myself from further financial harm. XXXX XXXX XX/XX/2023 TD Bank XXXX / XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX ( XXXX ) XX/XX/2023 and XX/XX/2023 I never gave any consent or authorization, nor did I apply for any of these credit cards from the Companies listed above. I definitely did not give permission for anyone to run my credit. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information in your credit report. Additionally, I have the right to request an FCRA deletion which requires the credit reporting agency to delete any information that can not be verified as accurate. Call to action to delete all credit applications of these companies that made the unauthorized inquiries and request that they close the applications and delete any associated information.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My bank, TD Bank, NA attempted to take 3 minimum payments from checking account in 3 consecutive days beginning XX/XX/XXXX. Both my credit card and my checking account are with TD Bank, NA. My credit card ends in XXXX and my checking account ends in XXXX. I has set automatic monthly payments for my credit card from my checking account. On XX/XX/2023 TD held {$270.00} from my checking to make payment to my credit card. On XX/XX/2023 TD again held {$270.00} twice. For a additional total hold of {$540.00} even though the payment and hold was successful and posted from XX/XX/2023 I contacted TD and they could not given reason for these 3 separate holds and payment attempts. They assured me they would not process the 2 additional payments and the holds would be removed. On XX/XX/2023 one of the two additional payments was posted to my credit card account and deducted from my checking account. There was still an additional payment in the amount of {$270.00} being held from my checking acco unt. I contacted TD Bank again and was promised they would not take the 3 duplic ate payment, would release my funds and also would reverse the 2nd additional payment back to my checking account within 5-10 days. I stated they were denying me free use of my money and the additional wait time to return funds that I did not authorize was unacceptable. They had for all intents and purposes stolen my money and had denied my use of it. On XX/XX/2023 they did return {$270.00} to my checking account, but then charged me a fee of {$0.00} and another fee of {$0.00} and listed them both as NSF PAYMENT ADJ I was told NSF stands for Non Sufficient Funds. I never had non sufficient funds ever! Why am I being further harmed y these additional charges for their mistake? Why are they enriching themselves for their errors. This will be listed in my statement and will cause irreparable harm to my good name and financial standing. I do not feel they are entitled to hold up my money and also charge me fees to give it back to me. They will not answer my questions and they will not compensate me for the time I was denied access to my funds. Additionally, they offered to waive the fees, but this indicates it was my fault and could harm me in the future if I should ever need a fee waived due to my error or mistake. I have screen shots of my accounts to prove my side of this complaint.
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A