Date Received: 2021-11-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: From the Bank reply : Customers who have received the promotional mailing inviting them to earn a {$300.00} Bonus. The new personal checking account and/or savings account must be opened within the timeframe notated on the promotional mailer. BUT on the TD Bank website screenshot, No promotional mailer is required to open a new checking account in a store. On XXXX XXXX, the banker never asked for a promotional mailer for the bonus.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Yard card finances lawn equipment through td bank. I mail my payment through my online account at XXXX XXXX every month. They applied my XXXX payment to the wrong account. I have contacted them by phone and email and they can not straighten out the problem. My account number with yard card is XXXX. The account they credited payment to was XXXX.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX. XXXX Account XXXX **** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX and 60 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: The attachment is being submit to the compliant that was file on XX/XX/XXXX /these evidence document support the fact and needed to be review by the bank and department ( FDIC XXXX this document was issue in XXXX from Senior Vice President XXXX XXXX XXXX the TD Bank XXXX. these supporting document will show that the XXXX did indeed have overdraft pretention service since XXXX went they first open that account at TD Bank. that was offer by the vice president and the represent of the TD bank. .The compliant on XX/XX/XXXX. # XXXX These document go with that compliant that was file Last week. about this the problem
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: TD Bank already knew that I was a victim of fraud, but a stranger opened a new checking account and saving account online every week, and negotiated with TD BANK many times to let them lock my work card and dont approve me. The work card opened a new account, but they said it could not be done. No results were obtained for two weeks. The new fraudulent account was opened every week. I went to the police. The police asked for a fraud investigation report issued by the TD department, but TD bank refused to give it to me.
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I purchased a new vehicle from XXXX XXXX in XXXX Louisiana on XX/XX/2021. The truck is financed with TD Auto Finance LLC in XXXX OH XXXX. The dealership had to make some repairs on the truck before I could take possession of it. When the repairs were complete I picked up the truck on XX/XX/2021. I live in XXXX XXXX Louisiana and on XX/XX/2021 the XXXX XXXX XXXX XXXX issued a mandatory evacuation due to Hurricane Ida. On XX/XX/2021 Hurricane Ida destroyed over 75 % of XXXX XXXX Louisiana. Myself and my family evacuated to XXXX Texas during the storm. Mail services was suspended for the storm and no mail would be sent or received. On XX/XX/2021 USPS mail service was relocated to XXXX Louisiana. All of my new truck paperwork was lost during the storm and being under mandatory evacuation we could not get back to XXXX XXXX to look for it. On XX/XX/2021 the mandatory evacuation order was lifted for residents to return home to XXXX XXXX. As of this time I have never received any mail from TD Auto finance regarding any payments of even how to communicate with them. I attempted to call them to see about the XX/XX/2021 in regards to payment and the representative I spoke with said that they cant access any of my information without a loan number. I explained to the TD Auto Finance rep that I never received anything due to evacuation of Hurricane Ida and I did not have any way to provide a loan number as I never received anything. At this time cell phone service was very bad on XXXX XXXX and I attempted 2 more times after that to find out information and was unable to obtain anything. We continue to check the mail looking for the TD Auto Finance documents and never receive anything they must have gotten lost in the mail. On XX/XX/2021 I receive 3 delinquent payment notices and a letter stating that I have missed 2 payments and that my account is late on payments. TD Auto Finance also sent a letter stating that they are reporting the delinquent payment to my credit report. I called TD Auto Finance and spoke to many representatives about this now that I have a account number and way to communicate with them. I told them that we are under a Federally Declared Disaster Zone due to Hurricane Ida which was a Category 4 Hurricane and hit XXXX XXXX Louisiana as a direct hit and mail services are not running properly and explained everything to them. On XX/XX/2021 I paid the outstanding bills in full over the phone so that my loan is current. The TD Auto Finance supervisor I spoke with said she will see what she can do to get the late payment removed from my credit report. Prior to this late payment I had an excellent credit score with no marks on my credit report in my history of credit reporting. This hurricane was a Natural Disaster and not of my fault and being newly purchased and evacuated shortly after purchase mail services in ruins how could this be my fault. The TD Auto supervisor XXXX XXXX stated that if we are in a Federally Declared Disaster area that they may be able to remove the late payment mark from the credit report and she would call me back within 30 minutes once she researched to validate the disaster area. I waited over 2 hours and never heard back so I called and was provided the response of " there is nothing that they can do because its not an error on the reporting and being it was actually a late payment and not an error on the reporting there is nothing they can do about the mark to my credit '' I insisted on this being an error as I never received anything in the mail to pay so how can this be right. I am only wanting the late payment that was reported to my credit removed due to a Federally Declared Natural Disaster area which devastated my home and displaced me and my family for weeks. USPS mail services are still not operational here at this time is 71 days of temporary/no power, water, or basic means of living. Prior to this credit report late payment I had " excellent '' credit now my credit report is " fair ''. Thanks you for your time and consideration in this matter.
Company Response:
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021 I had an unathorized charge in the amount of {$1400.00}. I contacted Nordstrom after I saw on my monthly credit card statement. I explained to Nordstrom I didnt buy anything on that date and didnt authorize any charges. Over the phone Nordstrom explanation was Nordstrom did the charge because we credit you in error. I asked them why I was never informed that Nordstrom decided to do charges on my account without my approval. I faxed to them the Nordstrom Credit card dispute resolution Form on XX/XX/2021. No written response from Nordstrom. I contacted them multiple times but was transferred from one department to next. The Nordstrom started to charge me the interest rate for the amount as of XX/XX/2021.
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had deposited 4 checks into my TD bank account at the ATM for XXXX XXXX XXXX and for XXXX and TD bank refuses to let me have access to my funds
Company Response:
State: MA
Zip: 01702
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A