Date Received: 2021-06-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Today for a payment of XXXX that was PROCESSED on the XXXX. And the payment Today that processed YESTERDAY i apparently have to call XXXX back TOMORROW to have them call XXXX XXXX so XXXX can tell XXXX the money cleared. My available credit needs to be updated without having to make all these calls. They charge me fees for Trying to pay my bill ( i miss keyed something and was able to get chase on the line and verified and they still charged me even though they were able to take money out of my account that day ) the customer service agents are always rude and hang up.
Company Response:
State: CO
Zip: 80222
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following elements appeared in my credit report aren't mine, please remove them all from the 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft NORDSTM/TD 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.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: My former neighbor and business XXXX XXXX XXXX has written me multiple bad checks summing up to nearly {$150000.00}. These checks were either deposited and then the cash was given to him or they were to cover charges he put on my credit card, damage to my car and damage to my nose. These checks were written by XXXX and drawn upon TD Bank. I deposited them through my personal XXXX account. The checks went through as verified and funds available, later ( in some cases 2 weeks later ), the checks would return. One of the checks that returned was a cashiers check from TD bank. I have already reported XXXX to the local authorities, FBI, Trade Commission and XXXX DA office. The fraud investigator is currently working on this case to press criminal charges. I have also sent XXXX a demand letter via certified mail nearly 30 days ago. He has failed to respond. I have tried to contact TD bank but they are not cooperating because I am not the maker of the check. TD bank is not taking responsibility for their customers issuance of bad checks and cashiers checks.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed with TD Bank on my refinance on XX/XX/XXXX, loan number XXXX. On the closing disclosure I was quoted a monthly payment of {$2400.00} including escrow of {$1200.00}. The closing disclosure noted quarterly property taxes of {$3300.00} and annualized hazard insurance cost of {$1800.00}. I prepaid {$2400.00} into escrow and made monthly payments of {$1200.00} starting XX/XX/XXXX. We are now 13 months into the mortgage, and TD has sent me a notice indicating an escrow shortfall of {$3200.00}. My quarterly taxes have gone up only $ XXXX and my hazard insurance has gone up only {$54.00} annually. My total payments into escrow from closing through XX/XX/XXXX were {$17000.00}. TD 's total expenditures for that period were {$16000.00} ( which included three extra months of hazard insurance to adjust from XXXX through XX/XX/XXXX ), so as of XX/XX/XXXX the escrow should have a positive balance of {$1700.00}. TD projects expenditures of {$15000.00} during the next escrow cycle and payments of {$15000.00}. I understand the need to cover the shortfall of about {$830.00} between the {$1700.00} positive balance as of XX/XX/XXXX and the required reserve balance of {$2600.00} but TD doesn't appear to be able to explain the additional {$2400.00} that it wants to collect for XXXX. I have contacted TD three times on this and the third time I was told that TD needs to start collecting this amount against the XXXX hazard payment due in XX/XX/XXXX, so in effect they are collecting three years of hazard insurance in two years of escrow payments. The requirement to escrow an extra year of hazard insurance premiums in the first two years of the mortgage in addition to maintaining a continuous two months ' cushion, was never disclosed and seems like it should have been. If this is not a requirement, TD has made a mistake they refuse to acknowledge.
Company Response:
State: NJ
Zip: 07728
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am sick of TD Bank 's fees. They charge fees for everything, maintenance fees, transfer fees, overdraft fees. They even charge a fee to provide overdraft protection even though I have a savings account I use to transfer money into my checking account when I am low on funds. I am so tired of fighting with them to try to get back MY MONEY, it's ridiculous. So, after receiving an overdraft fee on XX/XX/XXXX, I renewed my efforts to find another bank. I read an article about XXXXXXXX XXXX doing away with overdraft fees and saw that it didn't charge many other fees either. I saw it had good reviews, so I started moving banks. At this time I was also changing jobs. On XX/XX/XXXX, I saw my car insurance payment pending. I hadn't realized it was due, so I called TD bank and asked that they decline the transaction. I was due to be paid by direct deposit to XXXXXXXX XXXX and would divert the payment there. TD Bank told me there was nothing they could do. But I was eligible to have the overdraft payment waived once it posted. I called the insurance company, but they also said there was nothing they could do. Unfortunately, HR messed up the direct deposit and I was issued a check instead. When I deposited to XXXXXXXX XXXX through mobile deposit, they put a 5-day hold on it, so it was not available until XX/XX/XXXX. In that time, another transaction came through TD Bank and I was charged another overdraft fee. My boss XXXX me {$200.00}, but when I tried to transfer it to XXXX, it triggered a 4-day review and I still don't have that money. Since it is too hard to get access to my money through XXXX, I am moving my money back to TD Bank, but I'm still facing the problem of them stealing my moneyby calling it fees! On XX/XX/XXXX when I got access to the check I deposited in XXXX, I deposited {$400.00} of it in TD Bank. I called them and explained the situation and that the customer service rep said that I was eligible for a refund. She told me and several minutes on hold that I was not eligible. I told her to pull and listen to the call. She said a judge had to issue a supenoa for external release. I reminded her that she works for the bank, which means she works internally. I think she was trying to scare me or intimidate me, like the bank was going to come after me in court or something. Like I'm that stupid to think I have some kind of legal liability. I have been laid off twice in the past year and have been greatly impacted by the pandemic. Banks like TD Bank don't care about people like me who have struggled because of the pandemic. All they care about is their profits however they can get them. This is a policy issue that CPFB needs to address through the rule-making process. XXXX XXXX XXXX XXXX XXXX XXXX " Regulators ought to reconsider whether the overdraft product is really a loan, not a fee. The Consumer Financial Protection Bureau should also engage. Lending money and then recouping it later, plus something extra, is economically a loan. Calling it a fee may exempt it from certain regulations, but it does not change its nature. ''
Company Response:
State: FL
Zip: 32308
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX financing has been charging me late payment fee and interest on my balance due to an issue on their end. My address in their system is incorrect due to which i was not receiving any bills or statements. I have tried to explain this issue to their customer service multiple times, they did update the correct address but have not removed incorrect fees and interest billed to my account. I am clear that i will not be paying these fees as it was a problem on their end.
Company Response:
State: CT
Zip: 06074
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
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: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-27
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2021 I received a XXXX dollar fraudulent check to be a " secret shopper '' for XXXX. I was under the impression this check was valid. The assignment was to buy gift cards with XXXX and keep XXXX. The gift cards were meant for my " next assignment ''. I went to the bank to deposit the check through a teller. The " secret shopper '' assignment claimed to have a time limit in order to receive a bonus for my efforts. I asked the bank if the check was able to go through sooner than later due to this assignment, also explaining the assignment and showing the documents I have received. The bank explained to me that it would take XXXX days at most to go through because the check needed to be under review to make sure the funds were actually available since I did not have the funds in my account to match the check in the case that the check bounces. I called customer service to have them explain this to me in further detail, I did not get upset with the bank knowing that they we're just making sure my money was secure, or so I was under the impression. The check went through the next morning and I was able to purchase the first XXXX dollar gift card in which I was supposed to send pictures to " XXXX '' which was the scammer. the next day I went to complete my assignment and noticed that my account was negative the XXXX I spent on the gift card. I called my bank and they informed me this was a fraudulent check. I visited my bank ( TD Bank ) to see how we can resolve this issue and the bank explained to me it was my responsibility for giving them this check although this is a known scam. The bank told me to try and get the gift card returned, which was not possible and the funds have been used by the scammer. I went back to the bank and I explained that I was under the impression this check would not be deposited into my account unless it was proven to be valid prior. This man kept repeating that if my cousin gave me a check to deposit and said he would pay me for it that it would be sketchy. This however was not my cousin, this was scammer who has made me a victim of fraud. I was told I have 30 days to resolve the issue before it was sent to collections, yet I am not the one who released the money to myself, the bank gave me money that didn't exist and put me under the impression that it would exist before giving it to me. Banks were put in place to keep our money safe, and now I have been compromised of money that I don't have to begin with. I do not have a credit card for this reason, I have a debit card in which I am not supposed to be paying back because it is used for money I already have.
Company Response:
State: NJ
Zip: 08831
Submitted Via: Web
Date Sent: 2021-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My concern that remains is the FICO score was XXXX at this time last year and is currently at XXXX, and went down to XXXX in XX/XX/2020 due to this company 's inaccurate reporting and failure to observe the laws established by the FCRA. I don't know of a process that will allow me to recoup my points because I attempted to consolidate my bills to get a lower interest rate and pay off all of my credit card debts, including this Target Red Card, but was denied due to late payments reporting that should not have been. This just seems like a vicious cycle. I am still looking for a reduced interest rate from this company since I was unable to get a credit union consolidation after I made the last payment on my car loan in XXXX, with a credit union that DID FOLLOW the CARES Act and mailed my title to me with ( 0 ) zero late payments on any of my CBR. I am asking for this company to correct my credit report by removing the XX/XX/XXXX 30 days late according to Section 4021 of the CARES Act which amends the FCRA to address how furnishers report accounts subject to an accommodation. Otherwise, it looks like a FCRA case is in order.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A