Date Received: 2021-04-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was sent a XXXX payment which is linked to my TD bank account. The funds were posted as available balance. I used some of the funds and was hit with a few overdraft fees. When I called rep, he emailed his manager to have it reversed because system wouldn't let him. They have done this repeatedly. The rep said this is an unfair tactic because why post the money into account if it isnt available and is " pending '' I have the call recorded. I have a couple of business and personal accounts with different banks. TD is the only bank who does something like this and gets away with it. When money is sent via XXXX. Its not reversible so its deemed YOUR MONEY and no OTHER BANK puts it in pending status and makes it available.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, Thank you for taking the time to read this. One of my credit cards, issued by TD Bank, seems to " forget '' sending a bill about once a year. I am a meticulous payor, I pay all our bills on time and in full, as evidenced by our XXXX credit scores. The reason why I am reaching out to you today is my concern that is TD is attempting to game consumers by simply not sending paper bills about once a year and cash in on interest fees, late fees, etc. We have different accounts with TD for many years and the experience has been overall satisfactory, however the credit card division leaves a lot to be desired. If what I suspect is true, I can't be the only consumer experiencing this. This is the second year this has happened, and it results in about {$100.00} of fees. I hope that you can investigate this type of suspected fraud. XXXX XXXX, XXXX XXXX
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Purchased XXXX watch on line XX/XX/XXXX. Delivered XX/XX/XXXX according to XXXX required signature. Delivery date I was not home. Contacted Nordstrom because it seemed long from ordering and not delivered. CS told me watch was delivered and " signed '' for ( COVID new policy no signature ask name of person and driver types it in ) - Ended up opening numerous disputes- contacted sheriff made police report- and contact made with detective. Detective concluded problem was with delivery person XXXX Description of person did not fit me- Detective XXXX XXXX XXXX XXXX NC Sheriff Office concluded error with delivery driver. Nordstrom reported me to three major credit agencies and shows I did not pay for past months even with OPEN disputes- I was told until disputes are concluded I would not be sent to credit bureaus. Not true. I contacted three agencies explained situation and opened investigations. Nordstrom continues to refuse to credit account or send another item. I have pleas out on Next-door App- asking if someone received watch in error. No responses. I again posted watch missing- and my credit is now effected. I made a plea if someone reading the post has the watch of knows who has it to please return without questions. I checked my mail yesterday and a box and mail was inside my mailbox. Box had no label. I opened it and found the watch. LOOKS brand new- inserts were in the box validating the brand etc. I tried to contact XXXX from Nordstrom dispute in credit department who left me a message XX/XX/XXXX asking me to call her back at XXXX. I called back then, called again two more times and called the 800 number associated with her department requesting her to return my call. ( XXXX ). I was told XXXX was in a meeting but would call me back when done- it has been WEEKS no call. I looked up my FICO reports and found blemished reports from Nordstrom- although I accepted each call from their collection department and each time they looked up my account and said no reports would be made until AFTER disputes completed. The detective stated I need to escalate the disputes because the problem is with the delivery person giving the watch to someone else or could have never given the item to anyone- we simply do not know. With another plea placed on the next-door app 2 days ago I begged the members if someone was the person who received the watch or knew who had it- please return to me with no questions asked. As I said a box was found in my mailbox- no label- inside the XXXX watch was found. I set up a return via Nordstrom.com and my husband took it to the USPS in XXXX. I SHOULD NOT OWE any money- no late fees nothing. They are getting the watch back after it has been missing over 7 months, I want my credit scores cleared. I am forwarding this report to each credit bureau since they have open investigations.
Company Response:
State: NC
Zip: 28173
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2021 I contacted Nordstrom Card Services to place my XX/XX/2021 payment in deferred status due to COVID-19. They agreed, and my next payment was subsequently due in XXXX. Unfortunately my account is showing as 30 days late. I have never had a missed payment with Nordstrom, and was under the impression that COVID-19 related deferred payments should be marked as such and not late. Nordstrom is refusing to alter the account.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I got a text from TD Card Services saying that someone made a purchase at XXXX using my TD Card. I immediately called and told them that I did not make the purchase. They said that it was too late as it was already approved. I couldn't get them to call XXXX and stop the transaction. They said that it was a job for law enforcement. They cancelled my card and removed the charge and issued a new card. Several weeks later I received a letter that stated that an investigation showed that there was no billing error and they added the charge onto my new card. I called TD Card Services and told them that it was not a billing error, but a fraudulent purchase. They said that I would have to take it up with XXXX and gave me a XXXX number to call. When I reached out to Apple they didn't understand why TD Card was charging me back the charge as they had it flagged as a fraudulent purchase and refunded the money to TD Card. XXXX told me that there were many of these fraudulent purchases in XXXX by the same individual. They would purchase an XXXX online, to be picked up at the XXXX XXXX, then change the pickup name to their name and go pick it up. That process takes some time, so had TD Card made a call as I asked them to it could have been stopped. The rep at XXXX instructed me to call back TD Card Services and give them their number XXXX and order number XXXX and they would tell them that it was a fraudulent charge and that the funds were returned to TD Card. I did that but they refused to remove the charge from my account. I have a police report XXXX filed with the XXXX Police and a detective assigned to the case. That information also didn't help me get the charge removed. They have the phone serial number. They could easily track it's location. I don't understand why TD Card refuses to remove the charge when they got their money back from XXXX. Are they really trying to profit from a fraudulent charge?
Company Response:
State: HI
Zip: 96707
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: TD bank is reporting fraudulent information on my credit report. I DON NOT HAVE A CREDIT CARD and I NEVER DID. Someone has been using my personal info for almost 8 years since 2004. I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. The FCRA has a penalty for filing any lawsuit or subsequent court papers that are later determined to have been filed in bad faith or for purposes of harassment. I can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA. A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. This letter will again request that you follow the FDCPA and provide the following : I do mean all 7, request. Validation of Debt Request - Proof of your right to own/collect this alleged debt. - Balance claimed including all fees, interest and penalties. - Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). - License proof to collect debts in my state. - A credit agreement signed by me and you. - Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. - Copy of my NYS Photo ID which is required to open this type of account. This letter is your notice that I dispute the above referenced debt. This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge. I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I tried to login to my TD Bank online account and it's still blocked. They require for me to go to the branch with covid-19 pandemic to witch I refused. I can do a video call and they said no. I don't want to meet with anyone since I have insufficient immune system and contact during pandemic is not good. I would like for them to unblock my online account and send me a new card or send me my funds via check and they are not helping me, it is very frustrating in this hard times for me and my family since we need food. Please help.
Company Response:
State: MA
Zip: 01803
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX a payment was made XXXX {$150.00} cleared my account however not credited towards debt. XX/XX/XXXX I was made aware of the past due account and that XX/XX/XXXX payment had not been received. Spoke to collection group who was dismissive and stated it was my responsibility to reach out to customer service to resolve missing payment. Contacted customer service same day and after XXXX minutes of waiting on hold I hung up. Then submitted online billing dispute form reference # XXXX - to date XXXX resolution. Same day XX/XX/XXXX called customer service number provided remained on hold for just at XXXX minutes before being disconnected. From XXXX through XX/XX/XXXX there were a total of 6 calls to customer service and not once was I am able to speak to a customer service representative. On XX/XX/XXXX I logged on and submitted by first of five online messages through the TD Bank portal describing my issue and providing proof. Each submission was " resolved '' according to TD Bank within XXXX hours. I have since been blocked from access to my account online. And the only way to reset access is through the XXXX customer service line that no one answers. I finally submitted a written notice to them of the error on my account within my 60 day window on XX/XX/XXXX. I provided proof and a description of the issue. On XX/XX/XXXX they responded that they were still investigating. On XX/XX/XXXX almost 120 days after my letter and over 180 days from when my payment was made, I was notified they were unable to locate the payment. They continued to point out almost sarcastically, " Futhermore, due to short payment, a late fee totaling XXXX was assessed ... ''. They further stated it was my issue and if I still felt an error, I needed to provide further proof. At this point I am submitting a tracing of the funds although I doubt this will resolve the issue.
Company Response:
State: TX
Zip: 78539
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As of XX/XX/2020, I have sent monthly letters to TD BANK TARGET asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that TD BANK TARGET to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A