Date Received: 2021-08-19
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: TD Auto Finance Account # XXXX XXXX XXXX XXXX XXXX Contract Date : XX/XX/XXXX Payoff : {$20000.00} Contacted TD over my issue with two XXXX houses and the problem they can't fix which is my engine. The engine is not working at all and TD Auto will stop the payments. The vehicle might be towed from XXXX XXXX XXXX in XXXX, TX. I want money back the vehicle but they seem to not want to assist in the matter. My credit is awesome and I pay my monthly dues. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: It was the scamer fraud before I didnt know it, when I did the wire transfer, so on XXXX I did ask the TDBank, XXXX XXXX and XXXX XXXX XXXX to credit me back, but did not do it for me!
Company Response:
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The 3 Credit Bureaus are reporting inaccurate information on NORDSTM/TD ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. This is illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: OnXX/XX/XXXX I received an email from TD Bank " thanking '' me for opening a checking account with them. I never opened any checking account with TD Bank, let alone the fact that there are no TD Bank branches within a hundred miles from where I live. I called TD Bank the same day and spoke with their fraud department. Initially they refused to help me, demanding more information about my identity. Reluctantly, I provided my SSN, and they confirmed that, indeed, a checking account was opened in my name, using my full identity. When I asked if there were any funds in that checking account, they could not give me that information claiming the account " is not technically '' mine. They promised, however, to block the account and told me to report the fraud incident to the police and to the credit agencies, which I did that same day. However, on XX/XX/XXXX I received a packet in the mail, containing cheque books with my name and address printed on them. This indicates that TD Bank either did not block the account or is too slow to address the issue.
Company Response:
State: PA
Zip: 17013
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Nordstrom has one account on my credit bureaus that belong to my wife. My wife has a negative payment history on this account, so I respectfully request its removal from my credit bureaus. My name is XXXX XXXX XXXX, my wife 's name is XXXX. I would be very appreciative if this account could be removed from my credit bureaus as an authorized user immediately, thank you. XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account was suddenly and abruptly closed no reason nothing i have never did anything bad with account never negative always high amounts closed for no reason its frustrating now my funds are being held with td bank need help
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: To whom it may concern, In early XX/XX/XXXX I received a notification from my XXXX credit protection service notifying me that I had a late payment. The payment was TD retail and at that point it was 60 days past due. I went back to my banking records and check to make certain that the payments for To whom it may concern, In early XX/XX/XXXX I received a notification from my XXXX credit protection service notifying me that I had a late payment. The payment was TD retail and at that point it was 60 days past due. I went back to my banking records and check to make certain that the payments for furniture from XXXX XXXX had been made on time. They had. On XX/XX/XXXX I reached out to the consumer phone service for TD retail bank and had a discussion with a representative, that represent Informed me that a manager would reach out to me within 24 to 48 hours. There was no such callback. I made repeated calls after the initial conversation and each time I was promised that a manager would call me back to rectify the situation. No such call ever came. On XX/XX/XXXX, Oh I made a written inquiry with the XXXX XXXX and informed them that repeated efforts had been made to contact a manager. I also followed up twice again on XX/XX/XXXX. Shortly after that I did receive an email stating that it would be two billing cycles before the situation could be remedied. I have all of my banking statements showing that I paid the debt in full, Actually I over paid the debt, as I was charged {$260.00} in the XX/XX/XXXX bill for some reason that Im not aware of. In late XXXX I had a discussion via phone with the XXXX XXXX platinum card representative regarding posting errors on their end. They had charged me {$25.00} for non-payment nonsufficient funds from my institution. It turned out that they had posted to the incorrect account and they reversed those charges at that time. The XX/XX/XXXX bill reflected that reversal, but in XX/XX/XXXX there was another {$25.00} charge for non sufficient funds. This is a posting error on their end. The most frustrating part of the whole process has been that it can be cleared up with about a five minute conversation between myself and someone who has the authority to actually investigate the posting error. I have spoken with the accounting department at the actual physical XXXX XXXX store where I purchased the furniture and she is in agreement with me that is an error on TD retail banks end. I have had absolutely no recourse but to sit and wait and my attorney had advised me in the beginning of this process that I should reach out to your XXXX. I hesitated to do that because the folks at the XXXX XXXX store have been very helpful but they have made absolutely no ground with their own third-party financial institution, TD retail bank. Furthermore, the folks that I have spoken with who represent TD retail bank when I call XXXX have been in agreement with me that its a simple posting error. On two occasions in the first week that I was calling the representatives even promised me that a manager would call me back within 1 to 2 hours. Regrettably, Im having to reach out to your agency because my credit is being severely impacted and the folks at the physical XXXX XXXX store in XXXX Ohio have not been able to nudge the process along. The folks at TD retail bank however have been able to call me repeatedly day after day, sometimes several times a day to harass me about this debt that I have not only paid but overpaid. I have kept taking photographs of all of my bank statements as well as a small portion of the cell phone records with the exceptionally high volume of calls from TD retail bank. One of the most concerning part of this entire process has been the fact that once I was notified by my credit reporting Agency of the late payment, I walked into the TD retail bank facility at the corner of XXXX and XXXX in XXXX XXXX XXXXXXXX to sort the issue in person. I gave them my TD retail bank account number and they had absolutely no record of the account or any transactions. Given the communication regarding my repeated inquiries I am not at all confident that my situation will be addressed in a fair and honest manner. Please let me know what I can provide to your agency so that I may sort this in the near future. Thank you, XXXX
Company Response:
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a Victim of identity Theft and contacted XXXX XXXX with both FTC and Police Reports. I have sent this to XXXX XXXX several times. They are not compiling with FCRA 605B. Causing me to not get a chance to get capital from a bank. I am in the process of getting a attorney for the case but wanted to report it so this will be included with my legal case. TD/Target : Fraudulent XXXX : Fraudulent XXXX XXXX : Fraudulent Upgrade : Fraudulent
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 3. Identity Theft NORDSTM/TD Account XXXX : XXXX This is not mine. 4. Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 7. Identity Theft XXXX Account XXXX : XXXX This is not mine. 8. Identity Theft XXXX Account XXXX : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 10. Identity Theft XXXX Account XXXX : XXXX This is not mine. 11. Identity Theft XXXX Account XXXX : XXXX This is not mine. 12.XXXX Account XXXX : XXXX This is not mine.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was paid on XX/XX/XXXX, a Friday, and sent my payment to this credit card as soon as I was paid. My payment was a few days late due to it being a weekend and they refuse to refund my late fee. I have went back and forth for over a week and they refuse to help me. They said that I have already had a late fee waived and too bad. That is not how things should work in a time of a pandemic when most people are living paycheck to paycheck and have to wait until they are next paid. I asked for the case to be escalated after I received a canned response that made no sense when my reply was to a reply from them. I was told, As it turns out, we're unable to further escalate this matter either. Umm excuse me? So now you refuse to help out a customer, but you also deny the case being escalated? That is also a rude way to speak to a customer. No one should be forced to pay a {$29.00} late fee when my {$38.00} payment was received a day later.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A