Date Received: 2021-09-20
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: Back on XXXX of 2020 I went to XXXX XXXX to purchase some furniture. Purchasing the furniture was no problem. I was able to order what I wanted and I was able to receive the product with no problem. The real issue was everything having to do with the financing and billing. When I was purchasing my furniture, CO-VID was rampant and the shutdown was in full effect. XXXX XXXX told me that due to the Co-Vid pandemic, I would not get billed 90 days. They also told me I would get the information to the finance company in the bills I received. To me that was not a problem. I did as was told and I waited 90 days but nothing ever came in the mail. I never received a call from anyone as well. I called XXXX XXXX myself but they told me billing was slow due to the pandemic so I should wait a little bit longer. I waited, and I waited, and I waited, and still nothing came. It wasn't until XX/XX/XXXX of 2020 when I called XXXX XXXX to give me the number to their finance company and I then spoke with TD Bank directly that I was notified I owed money. By that point however, they had already marked my credit report as 30, 60, and 90 days late. I paid them {$770.00} by check that day to pay whatever was owed at that point. TD Bank then told me my monthly payments were going to be {$280.00}. In that same phone call, I disputed the late payments because I was never billed and I can't be held responsible for their faulty billing practices. TD Bank said they would look into it and get back to me. By the way, it gets worse from here. Once TD Bank finally decides to bill me, they bill me at the wrong address. I have the re-novate letter which is the credit card name TD Bank use, and I will provide it to you. That letter is addressed to XXXX XXXX XXXX XXXX XXXX which is not my address. When I finally receive that letter, I call TD Bank and complain about it to them. Not only are they not billing me, but when they send me ANY letter, its to a wrong address. TD Bank 's response was that was the address they were provided. I suppose that could be a possibility as I do not have any faith in XXXX XXXX either, but it is very hard to believe considering I have the original order and invoice from XXXX XXXX with all my proper information. Why would XXXX XXXX give them a wrong address? Furthermore, why would TD Bank place a wrong address in their system when the invoice and order clearly has my correct address on the documents? I then waited and waited and waited some more for TD bank to complete their investigation. I received letters from them in XXXX, XXXX, and finally in XXXX. That final letter dated XX/XX/XXXX said their investigation was complete and they were reporting accurately so they weren't fixing anything. WOW!!! So they get to not bill me for 7 months +, then send a bill to a wrong address which they weren't provided with and shouldn't even have, then they say they are reporting accurately? With all due respect we all know that's a load of XXXX. There is a thing called the Fair Credit and Billings Act. One of the major points of that law is to specifically protect consumers when creditors mail bills to the wrong address. TD Bank did this. How can they say everything is accurate? Even if they want to get technical and say it is because payments weren't made in the month, it is also accurate to say they violated the F.C.B.A. That means I should and will sue them for it if they want to play this game of technicalities and accuracy. Furthermore, their willful negligence with their billing practices has caused me harm on my credit report and is a violation of the F.C.R.A. as well. I should and will also sue them for that. Or they can simply admit fault and fix these errors which were clearly not on my part as I never once refused to pay them. I WASN'T EVEN GIVEN A CHANCE TO PAY THEM AS I DIDN'T KNOW WHO TO PAY, WHERE TO PAY, OR HOW TO PAY DUE TO NEVER RECEIVING A BILL!
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD BANK NO ESTA CUMPLIENDO CON XXXX POLTICAS DE {$0.00} XXXX DE XXXX A XXXX XXXX DE XXXX DE XXXX XXXX QUE XXXX XXXX DE XXXX XXXX QUE MI XXXX XXXX XXXX XXXX A MI XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX QUE FUE XXXX DE MI XXXX DE XXXX XXXX XXXX XXXX XXXX A VER VISTO EN XXXX XXXX QUE REALICE XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX DE MI XXXX DE XXXX XXXX AL XXXX XXXX XXXX DE XXXX AL XXXX DE XXXX XXXX DE QUE HABIA ACTIVIDADES XXXX XXXX MI XXXX DE CHEQUE XXXX DE XXXX AL XXXX TD BANK PARA CANCELAR Y REPORTAR XXXX XXXX QUE XXXX XXXX DE XXXX XXXX XXXX PROCED A CAMBIAR XXXX XXXX DE XXXX PERSONAL YA QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX QUE DICE QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX PERSONAL QUE XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX DE XXXX PERSONAS Y YO XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX QUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE SER PROTEGIDO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CUMPLIR CON LA XXXX DE {$0.00} XXXX DE XXXX A XXXX CLIENTES DE TD BANK. XXXX XXXX XXXX XXXX. XXXX DE XXXX XXXX {$5400.00} XXXX NMERO DE XXXX {$1200.00}
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
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: 1. td bank - wrongly posted a late payment on my XXXX credit report on - XXXX XXXX. 2. TD BANK has admitted their error in writing. 3. i have explained & uploaded the letter to XXXX the letter from XXXX & XXXX. 4. but after 30 phone calls, 80 hours of phone & internet time, nothing has changed! 5. I HAVE A LETTER from TD BANK saying i did nothing wrong, td was at fault & it requests that XXXX remove the late posting 6. i am a XXXX XXXX XXXX XXXX, and XXXX XXXX and thus situation is making my health worse. 7. its also costing great physical & financial problems. - i NEED HELP! please help me in this matter. sincerely.. XXXX XXXX, XXXX and XXXX XXXX emoji derogatory information immediately. XXXX theres nothing at all, they seem to only care about the corporations, and not the individual who needs help
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: These companies are reporting inaccurate information on my credit profile and doesn't have the right to.
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
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: Account Number : XXXX To whom it May concern, I would first like to start off by saying I hope you are safe and healthy during these challenging times. I am writing to you because I noticed that my credit report contains late payments reported on ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Nordstrom account. I would like the aforesaid late payments to be removed from my credit file because they are in violation of the following consumer laws. 15 USC 1681b and 15 USC 1666b. The late payments in question have no reason on my credit file because i did not give consent. According to the consumer law late payments are not listed in the law therefore the late payments that are on my credit file are violating my rights. I will be notifying the CFPB about this also. The late Payments being reported on my credit file also violates consumer law 15 USC 1666b. I was not mailed my monthly statement so you can not treat the late payment as a late payment. Due to these violations of the following consumer laws ; 15 USC 1681b and 15 USC 1666b, my late payments should be removed. I would also like a material disclosure of the finance charge for this account ; 15 USC 1637 sub section 1. On XX/XX/XXXX, I emailed you notifying you that i would become homeless if the late payments arent removed. I also conveyed that my account wasnt enacted in autopay and i was severely ill. I havent missed a payment ever since. And i even boycotted your store due to your refusal to remove the late payments off of my credit file. I would hate to have to completely close the account with all the credit history. And i would love to shop at your store but i can not support a corporation that doesnt care about their customers and just wants their money. I have gotten a goodwill adjustment from every major credit card company i have been with. Its just Nordstrom that is refusing to give me one. Its to my understanding that every credit card company or creditor is subjected to the same exact consumer laws. They all have to follow the same exact laws. So every time i call to get my late payments removed i get the same old generic line that you have a duty to report an accurate credit file. How come the other creditors were allowed to issue a good will adjustment then. All creditors are subjected to the same exact laws. So that means that your company is simply refusing to empathize with my situation and would rather let me become homeless than remove a few XXXX dollar monthly late payments. If my late payments are not removed as a result of your company being in violation of the two aforesaid consumer laws. I will be closing my account with nordstrom and boycotting nordstrom for good. I will also let the general public know how nordstorm treats it customers and try to get others to start boycotting you as well and closing their credit file with you guys. I love nordstrom and everything you stand for so much so that i was an employee. Please honor my request, because i will become homeless if my request is not honored. You can contact me at XXXX.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Opened a TD Bank XXXX Financing Account to purchase a XXXX phone. Traded in two devices to receive promotional credit towards cost of phone. XXXX never processed the trade ins and have revoked my trade in credit. Was supposed to receive XXXX USD in trade in credit.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been falsely accused of bank fraud by TD Bank. I do not know what the status of the {$3000.00} balance in my bank account is. There has been no contact from TD Bank after repeated tries, both by phone and email. My husband and I are US citizens living in XXXX. We have not been in the US since XX/XX/2020, because of Covid. My husband works W2 remotely for a US company. His paycheck is deposited into his US bank account. He is a cross-border banking customer with TD. I was also. Unfortunately, his cross-border account was set up incorrectly, he can not do cross border transfers online. Therefore, he would transfer money via XXXX to my US account for me to transfer it to my XXXX account. My US account has had very little activity other than the transfers and a monthly check deposit since XXXX of XXXX. On XX/XX/XXXX and XXXX, my husband transferred {$2500.00} each time, to me via XXXX. On XX/XX/XXXX and XXXX, I transferred {$2000.00} and {$3000.00} to my XXXX TD account. On XX/XX/XXXX I tried to transfer {$220.00} to a tax preparer via XXXX. I have known him as XXXX for six years. His first name is actually XXXX. The transfer was rejected, and my account was frozen. I received email letting me know this and that it would be resolved within 24 hours. On XX/XX/XXXX I tried to access my account online but could not. I called cross-border customer service, they informed me that my account was frozen for digital banking fraud and set to be closed. I was instructed to call the demarcation department for further information. I phoned the department on the XXXX. The call went directly to voicemail. The outgoing message said, All calls would be returned within 48 business hours. My call was never returned. I called again on the XX/XX/XXXX and sent an email. I left a detail message explaining the situation. I was never contacted. Between XX/XX/XXXX and XX/XX/XXXX, I spoke to customer service representatives, including branch managers at the branch that I opened the account up in the US, 21 times. Not one of them thought that the transfers, including the one with the wrong first name, should have caused the fraud alert. None of them could tell me if the balance in my bank account would be returned to me, or what the problem was. I was repeatedly told to call the demarcation department, I was never able to reach them or was contacted by them. I was told it would take 30 days to close the account. That was false. On XX/XX/XXXX I discovered the account had been closed when I tried to call customer service, but my account number was no longer valid. Other than receiving the last two statements in the mail, I have not had any response from TD Bank this year. I never received any communication from TD Bank demarcating department. Obviously, my husbands W2 income is reported to the IRS. I also report all my income to the IRS. There was absolutely no fraudulent digital banking activity on my account. That TD Bank never bothered to investigate before closing the account is wrong. It appears they failed to realize that I was a cross-border customer, therefore transfers would be common. I did not violate the banking agreement regarding the transfers both in monetary amounts or number of times per month.
Company Response:
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My TD bank account was compromised and I have been charged at least {$3500.00} in fees for the year for returned items and unreal charges. I have tried to get help and have reported my account compromised numerous times. They have never done anything.I am going to take legal action if something is not immediately done. This is illegal and disgusting of a bank to victimize me more after stealing thousands of dollars from me.
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XX/XX/XXXX CFPB Case # XXXX We received your response and over the last months have been working with the builder and our attorney to move our project along. Not having any financial leverage has put us in a bind and our project is still not completed. On XX/XX/XXXX TD Bank received a draw request from our builder. On XX/XX/XXXX I advised TD Bank that this draw would put us at 97 % complete and we were FAR from that. We spoke with the TD Bank rep and I sent current photos of the house. I was advised they would not release funds. On XX/XX/XXXX, after months of no progress we finally reached out to TD Bank for help and were advised that TD Bank had in fact released the funds. We are still not at 97 %, we still dont have a specific date as to when we can expect to be completed or when we will get a TCO or CO for our building. In your response to CFPB, you offered to protect your concern on our property with a title search and not charge us interest on the funds you released without our authorization. This is not sufficient. I have attached a detailed spreadsheet of expenses we have incurred and continue to incur due to your banks error. The amount, as of last month, is {$140000.00} which I have broken down for you to review further. On another tab, TD Bank paid our contractor for items that he did not do. Money he was not entitled to and would not return. This amount, {$36000.00}, already exceeds the amount of the final draw on our loan. We are currently seeking the {$140000.00} as a reasonable accommodation for your mistake. This mistake is the major reason we have been able to move this project along and move into our home. We understand that the CFPB may allow you another 30 or 60 Days to respond, but these additional delays continue to cost us money which you should also be responsible for. With that said, we would like a response and/or restitution in 2 weeks, or as of XX/XX/XXXX. Attachments : E-mail we sent to not release the funds, spreadsheet showing our incurred expenses since you released the funds without our authorization.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX a collection agency sent me a collection for Nordstrom credit card for {$10000.00}. The charges were made in 2019. I do not have a Nordstrom card to my knowledge. If there is an account there in my name then it is identity theft.
Company Response:
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A