Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your comapny notice purasuant t 15 usc 1602 ( k ) that your company never provided an adequate notice which cleary and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform about the cost of credit and the only evidence of the indebtedness was just a computer generated agreement. According to 15 usc 1602 ( k ) the term " adequate notice '' means a printed notice to a cardholder which sets fort the pertinent facts clearly and comspicuously so that a person against whom it is to opperate could reasonably be expeced to have noticec it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement or account, issued to the cardholder, or by any other means reasonably assuring the recipt therof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a volation under 15 usc 1602 ( k ) Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the the transaction therefore made an uniformed decision and it resulted in multiple billing errorsm and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ) the term 'unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request that you do the below-mentioned things : Enter your request here. DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) XXXX XXXXXXXX US DEPT ED XXXX XXXX XXXX If you accept my request, I will not escalate this matter to the Federal Court. In case you do not accept the above request, legal action shall be taken against your company for compensatory damages. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX All Rights Reserved Without Prejudice
Company Response:
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In early XXXX, XXXX I moved from XXXX to XXXX after a near XXXX. The lack of oxygen caused slight XXXX XXXX and XXXX XXXX. Thus, I am unable to use the phone. I reached out to my credit card company, TD Bank requesting them to update my address and phone number. I sent numerous letters via US Mail to the customer service addresses listed on their website. They will not respond to replace my card or to close my account if they do not want to issue me a new card. After falling in the lake, I was in a XXXX XXXX XXXX for XXXX weeks. I no longer have access to my old number after it was disconnected and I was transferred to XXXX for XXXX XXXX. I would like this account updated so I can use it, or closed immediately.
Company Response:
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: On XX/XX/2023, I went to the local branch of TD Bank to close two accounts and withdraw a CD that had matured because of a long history of terrible customer support. The final event that prompted me to close my accounts and go elsewhere was as follows : On XX/XX/2023, I closed a safety deposit box, a day before the next term began. I asked the officer to make sure I would not be charged for another year, and he assured me that would not happen. He said he had already recorded the closing out of the safety deposit box. But on XX/XX/XXXX I was charged {$150.00} for the next year rental of the box I had already returned. It took 4 months and several emails to the branch manager, XXXX XXXX ( See attched ) and a visit to the branch to finally get the {$150.00} refunded. That is when I decided to close my accounts and move elsewhere. On XX/XX/2023, I initially went to the teller. But then I was referred to a bank officer, a woman whose name I do not recall. She apparently had responsibility for investments. She tried really hard to retain me as a customer. But my mind was made up. She finally filled out the paperwork to close the accounts and went and got me the cashier checks for the two closing accounts and the matured CD. In XXXX I received a statement from both accounts saying that the accounts had - {$9.00} and- {$9.00} negative balances respectively due to Maintenance Fee for the accounts I had closed! I ignored the statements and threw them out in the hope they would get themselves straightened out. Then in XXXX I received two more statements that added another - {$10.00} in Maintenance Fee to each account. Then on XX/XX/2023, I received a letter ( see Attached ) saying the account was overdrawn and is being closed to further debits. It asked that I call XXXX to discuss your options. I called the number and explained the situation. The agent asked me to hang up so she could call in a code to verify my identity. I received the code and soon a callback from the agent. Before I could even give her the code, she explained and I quote : I understand that youve got the code but it tells me I cant go forward here with the code Ill have to refer you to the branch to get some assistance ( I have a captioning phone because I am XXXX XXXX so I am quoting ) I told her that I would do nothing. That it was their mistake and they had to fix it, not me. She then said, Im so sorry that you filled ( sic ) that way I wouldnt take that route I would visit the branch so this doesnt affect your credit in any way. To which I replied that if my credit gets affected in any way by their screwup, I would suit the bank in court. Not only have they failed to close the account, now they are threatening my credit! Unbelievable!
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX Nordstrom credit card company reported me 30 days later for the month of XXXX. I believe I made my XXXX payment on that day as well. My dispute with them is 30 days havent gone by before you reported me being 30 days late for the month of XXXX. I called and a representative from their company agreed I was told to dispute with my credit bureau. Ive done this twice and they didnt agree and havent removed the 30 day late payment. I need this removed immediately XXXX because it isnt true and XXXX because it dropped my score XXXX points. I hope you can help me. Thank you
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I lost sight of my phone and my card that was on the Wallet attached to my phone. I was able to retrieve my phone back and none the less I cant even describe how happy and grateful I was until I logged into my bank account to see all the funds in my checking account has been cashed out through XXXX XXXX. A random persons name was shown as the XXXX tag name. The name is XXXX XXXX. This person used my debit card and cashed every single dime out of my checking account. I am a XXXX XXXX employee and XXXX trying to take care of my self and help my family out. I bank with td bank which to my knowlage theyre fdic insured. Well after trying to file a claim against the fraudulent charge that accrued in my account, I just kept Getting my claim denied even though td bank was notified when I got my card information stolen. I want this to be investigated because td bank is more than a horrible banking company I have always had problems where it would take more than the expected time for me to receive a deposit check and more of that sketchy banking system that accrued when a bank claims to be fdic ensured but in reality they are just lying to their customers
Company Response:
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor 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 a consumer reporting agency can not furnish an account without my written instructions. Under 15 uscs 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: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Nordstrom did a hard inquiry to my credit report without my permission.
Company Response:
State: PA
Zip: 15108
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I asked TD bank usa that Unauthorized charges appear on that account billing statement. therefore that is an inaccurate incomplete balance being reported. I am not legally responsible for that amount that is being reported to the consumer reporting agencies. The Fair Credit Billing Act affords me that right, which TD Bank Usa N.A. has committed a major violation. as well as the violation of the Fair Credit Reporting act section 623
Company Response:
State: CA
Zip: 90230
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I contacted this creditor to negotiate the past due debt in good faith. I was told that the account had reached the 7 year statue of limit to collect in California according to FCRA guidelines and that the company was not licensed to collect debt in California but they would continue to report to on my credit to all 3 credit bureaus until the account reaches 10 years then they will decide if they will write it off as bad debt. They refuse to negotiate with me to settle the account and have it removed from my credit and claim they have every intention of ruining my credit up to 10 years until 2027. They refuse to remove this and threaten to ruin my credit up until year 2027.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I bought a cellphone online in XXXX. I decided to return it during the return period and I was given a full refund. Somehow, there was a late fee of {$29.00} associated with the first payment ( which I didn't have to do, since I ended up returning the item ). This was reported by TD Retail Card Services as delinquent for 60 days and my credit went from Excellent to Fair. I was not aware about this until a couple days ago that I was checking my credit score and I saw a decrease of about XXXX points ( going from Excellent to Fair/Poor ). I'm in the process of moving, so now with this credit my life has been turned upside down. I called today TD Retail Cars Services, they saw XXXX marked it as " full refund return '', they accepted their mistake and they reversed the {$29.00} " debt '' ( they didn't even ask me to pay for it ). I would like my credit restored as soon as possible.
Company Response:
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A