Date Received: 2021-06-22
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: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
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: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello, I did not authorize a charge from XXXX XXXX XXXX on XX/XX/XXXX, for {$100.00} and again for {$43.00}. On XX/XX/XXXX and XX/XX/XXXX, I submitted via fax documentation that the items charged had actually been charged to my student account in another credit card and that this* to my TD credit card was not authorized. I called TD disputes on XX/XX/XXXX to ask what was going on with the case. I was told that the case was 'closed ' but the agent told me that they would request to re-open the case. As of today, I have not received any mail about this case. Due to lack of communication, I believe this case is closed without an honest resolution. I would like the bank to consider the unauthorized charges invalid given the proof I had sent on XX/XX/XXXX and XX/XX/XXXX. It is due to the bank 's error both in the categorization of the dispute and communication, that this case was not resolved in time. I spoke to XXXX from TD disputes on XX/XX/XXXX and she notified me that TD had sent a letter about information regarding this case on XX/XX/XXXX. However, I have not received this letter as of today.
Company Response:
State: NY
Zip: 11427
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/21 I attempted to close my credit card account with TD Bank N.A. and was informed that I would have to forfeit any rewards balance under their redemption limit of 2,500 points. I have a balance of XXXX points. I understand a redemption limit for on going business purposes but I'm closing the account. Therefore, I am entitled to any money earned. This forced forfeiture is nothing more than theft.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Over the last several months I attempted to resolve inaccurate reporting by this organization. I have made several calls and reviewed my payment history with the organization. Each time ended in no resolution. Payments were made in excess of the the minimum amount and account was paid in full and is still showing a balance. The final payment was cashed in XX/XX/2021. The organization acknowledges that payment was received and still reported late payment. I have disputed this account twice on the XXXX site and still have no resolution.
Company Response:
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: This company is very rude to me I applied for a store card with them online and it give me a reference number to calll to process when I do they wont and give me a hard time I hate them they treat me like. Garbage and when I go to their store they discriminate me they dont want to give me an account and its not fair they will make any excuse to not process my application or approve me
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nordstrom 's failure to positively post an accurate payment history to the 3 Credit bureaus has hurt my ability to obtain credit. I have never been late on my Nordstrom Card credit payment account and my account has been paid in full. Under the CARES Act, passed by Congress in 2020, I soughed payment relief from XXXX because I was affected by the pandemic from XX/XX/XXXX to XX/XX/2020. Moreover, I was able to pay my account on time and in full and still XXXX reported my account 30 days late on XX/XX/2020. I have been wrongfully denied credit recently due to inaccurate information reporting from XXXX to the 3 Credit Bureaus. XXXX failure to correct inaccurate reporting is a violation of the Federal and California Fair Credit Reporting Acts, among other laws
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: TD bank calls me everyday after the pandemic. I make my payments but they still harassed me. Since the pandemic is almost a daily call. I already ask them to email or send me letters. I ask them not to call me please. This is driving me insane.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My employees had given me a {$50.00} XXXX ( TD Bank ) gift card for my birthday. I never used it ( it even still has the sticker on it that needs to be removed before use ). I found it in a box with other gift cards in XXXX during COVID and realized that it expired XX/XX/XXXX. I wasnt going out or spending much money in XXXX due to the pandemic and not working, and I knew that I could have the money put on a new card. I phoned the number on the card yesterday, finally ready to begin to go out again, to ask about having the balance ( {$50.00} ) put on a new card. I was told that the card was registered in XXXX ( I have no way of knowing that ), that the card has been closed, has no value, and that I should throw it away. The card does NOT list NJ, where I live, as one of the states that has a monthly inactivity fee. It says on the back of the card that the funds do not expire. It also says, You can request a replacement card at no charge, following the Good Thru date if there is a remaining balance. Does it make sense that the unused card has no value?
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: TD bank utilizes a money transfer system named XXXX. This system was used by scammers pretending to be TD bank employees and calling with caller id displaying as " TD Bank ''. The scammers were able to penetrate the TD security system and generate text messages to the account holder ( me ). These XXXX messages were portrayed as transfers to the account holder for the purpose of replacing funds misappropriated from the account through unauthorized transactions. Two attempts at trying to rectify this resulted in two denials. The bank refused to provide any information detailing how the scammers access the account holders financial information to generated XXXX text messages transferring funds out of the account. I, the account holder never enrolled in the XXXX system. I was misled by the scammers due to the fact that they were able to generate texts from TD bank pretending to transfer funds to me when in fact they were stealing funds. No further information was provided as to how the scammers were able to access " secure '' financial systems and generate funds requests. The 4 transfers for {$500.00}, {$200.00}, {$200.00} and {$200.00} totaling {$1100.00} through XXXX were all to the same email and occurred consecutively on XX/XX/XXXX starting at XXXX. The fraud was reported to the bank shortly after the transfers took place. The bank fraud department employee was questioned as to how 4 transfers to the same destination in a matter of minutes did not raise any flags. It appears there are no safeguards, accountability or monitoring of XXXX, transfers or account activity which appears suspicious. *****************************************************************************Original complaint was phone activity on XX/XX/21 with no case number or advisements presented. Follow up two weeks later with bank fraud department indicated denial without any notification to date. During the course of this phone activity, after being advised to file a police report, case number XXXX was assigned. Third instance of filing a complaint for further review by investigative management in case # XXXX resulted in a second denial again with no accounting of how the records were authorized XXXX document attached ).
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A