Date Received: 2021-08-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Hi, I had raised a request for refinance with TD bank in the month of XXXX with a 90 day window ending on XX/XX/XXXX. TD banks document itself had a closure date of mid XXXX. As of XX/XX/XXXX the bank has not closed the loan. There seems to be a issue with their underwriting process as they seem to get stuck there and the neither the loan processors and originators have any clue as to what is happening. I have followed up with the processor and also the escalation mechanisms available via TD and they have not been able to provide any ETA and not meet those that they committed to. I have provided all required documentation and details. This is adversely impacting any planning around finances that I am trying to do.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2021 Target reported to the credit bureaus that I was 30 days late. I have NEVER been late with them or anyone else. I paid in full on XX/XX/XXXX as shown by there own reporting. I disputed this with XXXX and the others but it still shows that I missed a payment. I did not miss a payment I always pay ahead if nothing else. This is wrong, my credit very important to me and its unfair for this to be in my reports. Please correct this error on Targets part. I have Never been late. I keep a XXXX balance and have been perfect with them. Thank you
Company Response:
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2021, i received three emails from TD Bank regarding the opening of a new checking account. I did not open a TD Bank Checking account. I then called the customer service number after confirming online the number from the emails matched the actual customer service number. Took forever to navigate because there are no options for those who are victims of fraud. Eventually after jumping through many hoops i was able to get transferred to a representative. The wait time was 15 minutes, which was fine considering fraud was involved. I spoke to a nice young lady who was empathetic to my plight. Sadly, she could do nothing and had to transfer me to the " fraud department ''. She politely informed me that the wait time was 40 minutes. I said that it was fine 40 minutes was not the best number but I was concerned about fraud. 2 hours later, with my total wait time over 3 hrs i finally was connected to the fraud department. They filed an id theft report, told me they would investigate but gave zero time frames. They protect the fraudsters by not giving me what address they used or phone number. I want this account closed. I'm not surprised the fraudsters chose TD Bank with all the gaps in there processes. I was told the freeze my reports but how does that stop someone from opening another checking account? The answer : it doesn't. There are no protections for consumers in this line of business. As the true consumer, who can prove there identity, its left out of my hands. I can prove who i am, close the account as i requested. There are so many things wrong with the TD Bank process : 1. No indication to consumers how long they will wait on hold. Just endless loops of music with stops that give the consumer hope someone might be connecting. 2. They let fraudsters set up accounts with zero verification. Drivers license? SS Card? none required by my observations 3. Front line customer service reps should be able to shut down accounts and provide the information that i gave to the " fraud department ''. Nothing i gave the fraud department a front line rep couldn't get or take care of. 15 minutes vs 3 hrs. Unnecessary. 4. The consumer is at the will of the bank. Will the account be closed? Why can't i provide proof of who i am? All the pain and suffering i must go through waiting and waiting for an answer. Close the account if i can prove who i am. Can't be that hard if i have to wait 3 hrs to talk to someone. Give me some time back that i gave you? Again close this account. Now. Not 15 days from now. If it takes more than 24 hrs, i will seek out what legal action i have available to me, at minimum i will sue locally for XXXX dollars.
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
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: Raymour & Flanigan-TD Bank is trying to cover up the fact one of their employees were attempting to steal my identity and use my card. I had this card for almost two years until only an employee couldve pulled an unauthorized credit check on me when to my surprise the letter of credit inquiry made me check to see where my credit card was at that time. It was then I realized my card was stolen. I am fortune I stop the criminals and canceled my Raymour Flanigan Furniture Credit Card promptly. Now these vicious creditors are trying to report my card wasnt stolen. My card was reported stolen from XXXX of XXXX toXX/XX/2021 Raymour Flanigan erred in their dates I reported my card stolen : Raymour Flanigan List the year ( XXXX ) ; the reported theft was in XXXX XXXX XX/XX/XXXX ; Finally, Who- authorized a credit inquiry on a card that was-not in my possession, unknown prior to incident that my credit card was stolen. Most Important, I called & emailed and completed the following steps to protect my identity and credit :. Raymour Flan, 2. all the creditor bureaus, identity theft.gov, and the Fair Trade Commission and CFPB : I want my card properly reported as stolen and reported with all agencies, and the card closed by me the consumer!
Company Response:
State: CT
Zip: 06106
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to my husband 's business experiencing a loss because of Covid, I fell behind on my Target Bill. I contacted them in XXXX, and they provided me a Covid hardship payment plan which closed my account and I would continuing posing the balance each month. Every month XXXX and XXXX have reported the account closed. However, XXXX has reported inaccurate information. I have spoken to both parties and submitted disputes. They will not correct the infraction.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a collections notice dated XX/XX/XXXX from XXXX XXXX , XXXX in an attempt to collect debt in the amount of {$550.00} for TD Bank/Nordstrom Credit Card. A discount payment of {$360.00} was offered within the notice. On XX/XX/XXXX a certified debt validation letter was sent to XXXX XXXX , XXXX via United States Postal Service. No further response was received by the collections company for the month of XXXX. I received a collections notice dated XX/XX/XXXX from XXXX XXXX , XXXX with a balance of {$550.00} with a now discounted payment offer for {$330.00}. On XX/XX/XXXX a debt validation letter was sent to XXXX XXXX , XXXX via certified mail through the United States Postal Service. Upon my second attempt in validating the debt, communication ceased from XXXX XXXX , XXXX for the rest of the year. I received a collections notice dated XX/XX/XXXX from XXXX XXXX, XXXX in an attempt to collect debt in the amount of {$550.00} with an offer to resolve the account for {$360.00}. Knowing that two collection agencies can not collect on the same debt, I placed a phone call to XXXX XXXX , XXXX on XX/XX/XXXX to confirm if they are indeed the collections account holder. I was told by XXXX XXXX , XXXX that they no longer held the account and was referred back to the original creditor, Nordstrom. I then placed a call to Nordstrom on XX/XX/XXXX to gain clarification and obtain debt verification, a Nordstrom representative stated the account was no longer with Nordstrom and was placed in collections to XXXX XXXX ; contact information for XXXX XXXX was given. I requested for a statement or documentation showcasing the amount of {$550.00}, the representative asked for updated contact information, I complied and provided updated contact ; I was told a statement would be sent to me for validation purposes. No statements were ever sent by Nordstrom. A call was placed to XXXX XXXX XXXX , XXXX on XX/XX/XXXX to obtain the address and account information in which to send a debt validation letter. A representative from XXXX XXXX XXXX , XXXX communicated that the account was with XXXX XXXX XXXX , XXXX, when asked for clarification on the account being held with XXXX XXXX XXXX , XXXX as the collections agency but the collector is with another agency, I was prompted to update my contact information. I complied with the request, gave my updated information I was then told to contact XXXX XXXX XXXX , XXXX for further information on the account. I received a phone call on XX/XX/XXXX from XXXX XXXX XXXX XXXX in regards to a TD Bank/ Nordstrom Credit Card debt in the amount of {$550.00}. I communicated to the representative that I have not received any statements or paperwork indicating I indeed owe {$550.00}. I furthermore explained that I have the last billing statement from Nordstrom and I did not owe an amount of {$550.00}, I let the representative know that I would be sending a certified debt verification letter to the collections company. I sent a certified debt verification letter dated XX/XX/XXXX to XXXX XXXX XXXX , XXXX via United States Postal Service. I never received debt verification from XXXX XXXX XXXX , XXXX neither did I receive further communication from the company in regards to this debt. Upon reviewing my credit with the three bureaus I noticed that Nordstrom was reporting the debt as charged off but with a current and past due balance of {$550.00}. Nordstrom did not indicate on my credit file that the account was in collections. With my last bill statement from Nordstrom in the amount of {$570.00} and the inconsistencies in Nordstrom 's practices of obtaining the debt I decided to file a dispute directly with all three credit bureaus. A dispute letter dated XX/XX/XXXX was sent to XXXX, XXXX and XXXX highlighting the inconsistencies that were being reported by Nordstrom, I sent copies of the collection agency documents and the last billing statement from Nordstrom. Nothing was resolved, XXXX and XXXX did not investigate the dispute and XXXX sent me notification stating the dispute was resolved by data furnisher however nothing has changed.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I have been a customer of TD bank for over 20 years.I have been the victim of fraud by a 3rd party regarding one of my TD accounts. I had been attempting to transfer money from one of my accounts to another. On XX/XX/21 I received a phone call from someone saying they were from TD bank informing me that in order to do this I had to use their " XXXX '' feature and they proceeded to with withdraw money in small increments eventually totaling $ XXXX.This turned out to be a bogus call. I was suspicious and repeatedly asked if they were from TD bank during the transaction. Long story short after realizing my mistake, the net day I went into my branch at XXXX XXXX XXXX, XXXX, NJ ( XXXX ) and with the help of manager XXXX XXXX, I closed all accounts and bank card and opened new ones.He contacted the fraud dept. and said in about 2 weeks I would be reimbursed.I then received a letter from TD bank,XXXX XXXX , XXXX XXXX NJ ( XXXX ) denying my claim saying I authorized the fraudulent transactions. I am writing this office with the thinking that doesn't a huge corporation like TD have some allowance in such matters? I realize the err of my ways and will never allow this to happen to me again, but I feel as a loyal customer of TD bank for many years, my claim for reimbursement should not have been denied.
Company Response:
State: NJ
Zip: 07430
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I received a statement from TD Bank about a checking account that was opened online with my information. I spoke to the fraud department and stated that I never opened up this account # XXXX and I needed this to be closed ASAP. As of XX/XX/2021 I still continue to receive bank statements and they are being sent to my address. I am extremely frustrated that my name was stolen and the bank has not helped me.
Company Response:
State: NY
Zip: 11220
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX of XXXX, five XXXX transactions occurred in my checking account. Three of the transactions were for XXXX dollars, one for XXXX dollars, and one for XXXX dollars ; a total of XXXX dollars. The withdrawals caused my TD checking account to lock due to suspected fraud. TD sent me a message to my phone which alerted me to the transactions. I called TD Bank immediately to address the issue and they suggested creating a claim. I was told I have to wait 10 business days to get a decision. 10 business days later, TD Bank denied my claim stating that they sent text messages to my phone confirming the transactions and that I replied to them confirming it. I informed them that I had not received or responded to any text messages from TD. TD advised me to make a police report and take it to a TD branch. I filed a police report and filed the claim with TD Bank. After another 10 business days, the claim was denied again. I immediately removed my funds from TD Bank due to this security breach. I have not had any issues of this sort previously.
Company Response:
State: NJ
Zip: 089XX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
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/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft TD/TARGET Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: NJ
Zip: 07508
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A