Date Received: 2023-10-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: The account that was open with NORDSTROM CARD SERVICES has the incorrect name, phone number, email address and address. Also the credit card was open online I have contact Nordstrom notifying this is due to identity theft. I have filed a second law enforcement report with XXXX XXXX police department with the information provided. I have provided Nordstrom with the correct information Name, address, phone number and email. That is how they were able to provide this information they provided that it did not belong to me. Since all the information they have is incorrect and it does not belong to me.
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Hi CFPB, My complaint is related to deceptive and predatory practices that I have experienced being employed by two different store-credit card agencies as it relates to promotional interest-free periods. One was on a card through XXXX XXXX XXXX ( furnished by XXXX ) and the other through a west-coast jeweler ( Shane Co XXXX card furnished by TD XXXX ). These stores will offer promotional interest free purchases as long as the balance is paid off by a certain date. All that is good, but both employ practices where in the final months of the interest free period, they will apply payments in the excess of the minimum payment to the deferred interest that is NOT OWED to the creditor until the promotional period lapses with a balance owed to the creditor. Using some basic numbers to illustrate what they are doing, a consumer makes a purchase of {$2400.00} with a 12 month deferred interest period and makes payments of {$200.00} a month for 12 months. The minimum payment is {$25.00} per month, interest accrues and is deferred over that period. by the time the consumer gets to month 11, they have made {$2000.00} in principal payments, with {$400.00} left to pay off. However, these two creditors ( and I am sure others ) take month 11 and month 12 payments of {$200.00} each and apply {$25.00} ( the minimum payment ) to principal balance, and the remaining {$170.00} is applied to deferred interest. This is predatory since a reasonable consumer will figure that they need to pay off this balance in 12 months with 12 equal monthly payments of {$200.00}. Instead, they pay {$350.00} in to deferred interest in the final two months and then the promotional interest period becomes null and void because they did not pay off their balance within 12 months. This is in spite of making on-time payments towards their principal balance and being under NO obligation to pay the creditor a XXXX of interest under the clear and obvious interpretation of the creditors marketing. In the attached email TD XXXX admits to the practice and I can appreciate the reminder, since I went through this with XXXX XXXX However, not everyone pays as close attention to their email, and this is still fundamentally stealing interest payments from customers who do not owe the interest.
Company Response:
State: WA
Zip: 98683
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I had above minimum balance in my account and issued an electronic payment required for a larger sum. As expected, my payment did not take place as TD never cleared my check. However, I was charged a maitenance fee for not maintaining the balance minimum. This does not make sense as funds never left my account -- the requested electronic payment never took place and I never breached the required minimum balance.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I have a HELOC with TD Bank that I'm looking to have paid off and closed. I requested information from the bank for how to get a Verification of Mortgage from TD. I received a response bank from their digital team with instructions. I followed the instructions provided and the loan processor sent in the verification request. The f irst 3 requests did not get a response. The 4 request I was told, could not be processed due to not having a specific verification form filled out. Even though the instructions provide to me by TD Bank originally stated I just needed to send them a letter. I spoke to a representative who repeatedly told me that a letter is not acceptable and that I need to have the specific form signed and resend it in to her attention and she would call if there were any problems. I called 2 days later after not receiving a call from the representative asking for the status of the document and was told that since my signature on the request does not match the original document from 2018 they can not process my request. I explained that my signature has changed since then and what can I do to get this corrected, they stated that without a signature match there was nothing I can do. I understand that my signature is not the same as 2018, but I still need my verification of mortgage request completed somehow. TD Bank as a company is unable to tell me what I can do to get this requested resolved. They are giving me no other option to get me verified so that this VOM can be sent. I have been verified by TD over the phone, through their VoicePrint service and the secure text codes, so they are able to verify who I am. After speaking with numerous representatives it appears that no one is able to assist. I have been told we can " try this or try that '' but no one can tell me what needs to be done to get this processed. I've received different answers from most of the representatives I spoke to. The bank is causing me financial strain as I am trying to make these payments each month and the payments have increased significantly due to interest rates. I feel as if TD is intentionally delaying the payoff and closing of my loan so they can continue to collect the high interest payments from me and keep this loan on the books. As a top US Bank TD should have clear and simple instructions to provide to a customer when handling their requests.
Company Response:
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: THEY SCAMMED ME OUT OF {$900.00} AND REFUSES TO REFUND ME FOR UNAUTHORIZED CHARGES! I DEMAND YALL REFUND ME OR I WILL SUE!
Company Response:
State: TX
Zip: 79413
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: NOTICE to TD Bank N.AXXXX, I, XXXX XXXX, in good faith, hereby request that TD Bank N.A. issue out a new credit card to me at my mailing address on file at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As the issuer, drawer, and maker of the original instrument, I exercise my rights to enforce the instrument. SEE UCC 3-301. PERSON ENTITLED TO ENFORCE INSTRUMENT. In the event, TD Bank, N.A deprive me of my right to my credit, I alleged deprivation of rights to life, liberty, and happiness. In addition to violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. I pray TD Bank N.A. acts in good faith, and issue out to me a new credit card with the credit limit of {$5000.00}. Thank you, best regards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX and TD BANK received non public private information in the form of a credit application as a security collateral to receive credit for my consumer for family and personal needs. TD BANK with the help from XXXX used the XXXX XXXX scam to discriminate against my person and block my person from trade and commerce by violating my inalienable right to credit while the consumer is practicing good faith in doing so. XXXX and TD BANK must be receiving kickbacks from the adverse action giving to consumers practicing good faith and their right to credit. XXXX remove inaccurate inquiries from my consumer profile placed by TD BANK on XX/XX/XXXX and XX/XX/XXXX both inquiries are results of identity theft and unauthorized consumer credit transactions which no consent was released. as a living man, I believe that my property is being administered without my consent, and I require the immediate restoration of said property or I will be charging a dollar per second until the remedy is given. My application that I endorsed not as an accommodation to the party not as joinder or surety but as a creditor/beneficiary in my private capacity. The injurys caused by adverse action hindering my rights as the original creditor giving his energy to obtain credit has caused severe damages in real time and I demand restoration. This is my notice to XXXX and TD BANK for the violation of the EQUAL CREDIT OPPORTUNITY ACT and CONSUMER CREDIT PROTECTION ACT along with withholding my securities committing securities fraud. Release my application for credit and return the application for credit. I revoke restrict rescind retract all interest or proceeds or anything of value from TD BANK and have it returned to the original creditor.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX I notified XXXX through e-mail that my order has not been delivered or signed by me and a refund was due to me. XXXX was able to investigate the package and had returned the package to sender with tracking number XXXX. The package was delivered back to sender on XX/XX/23 and was signed by XXXX per FedEx signature confirmation. On XXXX XXXX XXXX sent an automated e-mail regarding the return policy but never addressed my concern regarding the delivery XXXX XXXX I notified XXXX that I had not received a refund and was told I have to sort the chargeback out with my bank. I never received the package and XXXX has confirmed the package was returned to sender. The merchant has to settle the dispute with XXXX as I have never received the package. I have filed a dispute with my bank TD three times already and the chargeback has been reversed each time. I have also filed a complaint with the XXXX which they said the merchant stopped replying and has not issued a refund either.
Company Response:
State: NJ
Zip: 07208
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a notice that my credit was being run, I never gave permission for them to do so nor did I apply for a credit card with them. They should not have inquired without my permission. This is the information below that I was notified on : TD BANK USA/TARGET C Inquiry : XXXX XXXX, XXXX - Complete Dept. Stores No contact information has been reported by this creditor.
Company Response:
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A