Date Received: 2021-04-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted Nordstrom in effort to rectify this situation and it has not gotten me anywhere. The balance being reported is from XX/XX/XXXX and we are now intoXX/XX/XXXX. FCRA states that as a consumer, I am entitled to fair and accurate reporting. This is not it. The balances are wrong.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have a mortgage with TD Bank. We have been working diligently to pay it off. From XXXX to XXXX I paid them {$7000.00}. I made the payments online exactly how I have for years. To my surprise in XXXX I showed as having a late payment. They had not correctly allocated the payments I made. They said it was all fixed yet couldn't provide me with detailed transaction statements to show that I was correctly credited and wasn't charged additional interest. On XX/XX/XXXX I transferred {$8500.00} from another bank directly to the mortgage loan. It showed they received it on XX/XX/XXXX. However, this money is sitting as " Misc Receipt '' since XX/XX/XXXX and they have not put it towards my loan. I am paying daily interest on this loan which should have been paid off last week. PLEASE ASSIST!! XXXX XXXX
Company Response:
State: ME
Zip: 048XX
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I am not sure why the CFPB is in existence. This is merely a paper push cloud of a record. The CFPB and its contracted employees do not read the complaints. Only the bank I am filing the complaint has complete control over there lying and egregious behavior. I paid this loan off early and charged for doing that! When I made the last payment and logged in I was told to pay {$180.00} than the nerve of XXXX XXXX Just a lying unethical XXXX XXXX I am going to report him to XXXX XXXX DC to every XXXX so he is put on the radar and not do this to other people. Than the statement showed I short paid! Why would I short pay! Its absolutely absurd and dealing with XXXX people who think its ok to lie and actually think they are going to get away with it. That is not going to happen XXXX XXXX is an XXXX who is XXXX in a XXXX end job and has a personal vendetta against me. I am going to file legal against him for trying to charge fee, interest stating I short paid the loan and still not reporting my loan is paid in full at a zero balance. This person is going to take full accountability for his actions and what he did to me in the last three years. Total banking violations. I am mailed I paid off my loan but yet these XXXX can not report its paid to all three credit bureau. I do not have a payment of {$220.00} or any other payment for that matter. This is a complete banking violation and once again filing another CFPB complaint. I am reporting to XXXX XXXX at the OCC and every other top official so TD and this person does not abuse anyone anymore or think they have power to extort fees, interest, lie about a short pay! XXXX XXXX I will make sure your name in the banking world is red flagged and you are put on complete radar with your egregious behavior. Shame on you.Your unprofessional, you lie right through your XXXX teeth. It will not be tolerated any longer. Your angry because your in a XXXX end job and TD Bank XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In a response to a promotional mailer I received from TD BANK I opened and funded a Checking Account ( XXXX ) on approximately XX/XX/XXXX. The 'Printing Code ' on the mailer identifying the specific mailer was XXXX '. The 'Promotion ' offered a {$300.00} Bonus for opening a 'TD Beyond Checking Account ' if the following steps were followed : 1. Offer valid XX/XX/XXXX - XX/XX/XXXX and available only to addressee on mailer 2. Offer NOT Available to existing Checking 'Customer ' or prior 'Customer ' having bank relationship within prior 12 months. 2. Make {$2500.00} in direct deposits within 60 days, as well as other minimum balance requirements that the Bank acknowledged I met. When I completed all of the requirements and the BONUS did not appear in my account, I called 'Corporate ' customer service a number of times and was finally told that I had to contact my local branch to handle the situation, which I then did. The crux of the issue was that AFTER I applied for and opened the account in question, TD Bank changed the parameters as to who could receive the Bonus. Currently ( but NOT in XX/XX/XXXX XXXX, the 'DISCLOSURES ' section of the offer has XXXX additional sentence that the original mailer did NOT as follows : " Customers who received a bonus on a prior checking account do not qualify '' Clearly, TD Bank realized that they had omitted this stipulation in error and probably experienced other complaints similar to my own. The local branch 'explained ' the refusal to honor the Bonus by citing the following final sentence from the current DISCLOSURES section of the mailer I received ( this is the sentence that ONLY appears in the current version of the DISCLOSURES ) " One bonus account per Customer and can not be combind with any other offer ''. Since I had received a pst Bonus, even though it was greater than 12 months in the past, they quoted the NEW, ADDED sentence and refused to honor the offer as was stipulated in the original mailer. I opened only ( 1 ) Checking Account, and I did not 'combine ' it with any other offer - I do not see how this invalidates my position! I have copies of all mailers, documents, etc, should they be required. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened a checking account in my name apparently with my SSN and overdrafted the account. I only have a checking account with my credit union in my area for over 20 years. The account in question is an hour and a half away from my home
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit acct with TD XXXX Card Services from XXXX XXXX XXXX. In XX/XX/XXXX I paid my acct. 1 day late ( made pymt on XX/XX/XXXX ) and was charged {$27.00} late fee. In XX/XX/XXXX I paid it 2 days last ( made pymt on XX/XX/XXXX ) and was charged {$40.00} late fee this time, a {$13.00} increase. Both times I called to ask for assistance with the late charges and if they could offer a hardship and they refused to refund the late charges and said I was not eligible for a hardship. I explained I am out of work, I lost my job due to the COVID pandemic and juggling to pay the bills but make sure this gets paid every month. I was told I used a hardship for deferred pymts from XX/XX/XXXX until XX/XX/XXXX, when I actually only used the deferral for XXXX and XX/XX/XXXX. They stated both times I was not eligible for another hardship. I asked if I could re-apply for another hardship since I did not use the entire 6 months they offered but I was declined. I make the pymts monthly but was late due to having to make mortgage obligations and make their pymt once I receive my unemployment. They are not willing to work with me to make the pymt due date a few days later to avoid the late charges. When I asked to speak to a supervisor I was told there is nothing the supervisor could do and told me it would be a long wait to speak with a supervisor, When I was on hold for the supervisor, they disconnected me. XX/XX/XXXX 's pymt was 3 days late ( made pymt on XXXX ) so I included the late charge when I made the pymt. on XXXX. When I seen my next bill online they still included the late charge of {$40.00} with the next pymt. ( {$170.00} ) for a total due of {$210.00}. When I called to see why I was told the late fee was applied to my principal and nothing she could do about it. When I asked if she could re-apply the {$40.00} I paid with the pymt to the late fee she said no as I tried to explain I am having a hard time making the pymts and to see if she could ask if this could be done she in a hurry said no and thanked me for calling and rudely hung up. Her agent id # XXXX. With my unemployment and the pandemic stimulus payments it does not come near to what I was making while employed. My wife has been out on FMLA due to an unexpected XXXX. I am not looking to not make my payments, just a little assistance with the due date change or the late fee waved, as I have tried to explain this to the credit company. Given we are in the mist of a pandemic I don't know how they can continue to charge late fees and then raise the late charge.
Company Response:
State: NY
Zip: 13501
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We started the refinance in XXXX with TD Bank. All papers were submitted by XXXX. We changed over our homeowners insurance to list TD Bank as loss payee as requested. We have several times gotten a payoff amount from our current mortgage company as requested for closing. We were credit approved in XXXX. We were told numerous times that we were close to closing but would need to lock in the rate for 5 days a fee, leaving us to believe that we would be closing within the next 5 days. It is now XXXX and we still have not gotten a closing date nor a reason why not. Our emails requesting status updates go unanswered. We now have to start the process all over with another lender and have wasted 9 months. We had to pay for an appraisal. And I fear the good rates have now gone up and we missed out on them waiting for TD Bank to give us a closing date.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been loyal card holder with TD Bank/Target services since 2016, never missing a payment and enjoying the card provided to me. At the beginning of the Pandemic of Covid 19. I was having a issue with payment problem with my Target Card. From there I called in to their customer representative services to get the problem resolved as my credit is very important to me. I was advised a resolution to my problem by putting my account on automatic payment as the representative did. This year as I am in the mix of trying to get a new mortgage I pulled my credit report and was shocked to see my payment history with that account had changed which I was never late on. I am deeply concerned as this has hindered my ability to obtain the credit needed to progress forward in my life. As I am loyal and grateful customer of TD Bank/Target I hope we can get this issue resolved as soon as possible.
Company Response:
State: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My td bank debit card was fraudulenetly used on tuesday for over 2000 dollars i called td bank as soon as it happened they said for me to dispute i have to wait for charges to post..today " ( thursday ) they posted i call td bank to dispute and ask for a credit.i am told i have to wait ten days for their investigation to end to get a credit..My card was used fraudulently now i got to sit in limbo for something that i didn't do.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XXXX posted duplicate purchases in error when delivering a damaged XXXX XXXXXXXX weight set. XXXX refunded the purchase and only removed one errant charge. The other errant charge in the amount of {$620.00} remains. It also incorrectly reduces my credit limit was does not allow for larger purchases as a result.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A