Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was only an authorized user on this Target account. I demand this account be fully removed from my credit reports as I was never liable for it.
Company Response:
State: CA
Zip: 92009
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened two accounts at TD bank in XX/XX/2020 and funded them ( also in XX/XX/2020 ) with {$2500.00} and {$1000.00} based on a promotional mailer I received, which promised credits of {$300.00} and {$200.00} based on meeting a number of conditions. The accounts were subsequently closed by TD Bank ( due to my inability to come in to a branch in-person ) but they did not return the funds. No one from TD followed up to return the funds or provide any information. They lost track of one of the transfers, but said it was returned to my bank, despite my never having received the transfer. I called, emailed, and went to a branch, provided ID, and documentation. They have been able to " find '' {$2500.00} but say they still " can not find '' the missing {$1000.00}. Without having provided any documentation or evidence, they say it was returned to my original bank and I should follow up there.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: currently I have a XXXX XXXX mortgage and a HELOC on my house with the same lender. I am doing a refinance on my first mortgage ( XXXX XXXX fixed XXXX and it requires my current lender to sign a subordination agreement with my new lender because the new XXXX XXXX fixed mortgage is with the new lender the current HELOC will stay with the current lender. the new lender and us have been waiting for the current lender to respond the the subordination agreement for almost 2 months with no update. The new lender and the title company and I all have tried to call/contact/email them numerous times with no response and update. So I basically run out of options what to do. Hence I submit this complaint hoping this agency can help me to move this process forward so I can complete the refinance process.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Had an account at TD Bank NA, XXXX They closed the account on XX/XX/21 and sent the balance without the accrued interest. On XX/XX/21 they debited the account for two payments to XXXX XXXX, for {$45.00} & {$40.00} Four days later the closed the account, the money was available in the account as shown on the statement. On or about XX/XX/21 they reversed the payment, which should not have. They must either send me a check for {$85.00} or make the payment back to XXXX XXXX. Tried to resolve by calling and emailing, but got now answer from TD Bank. TDBank is stealing and committing fraud.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX : I discovered four unauthorized XXXX transfers in my online account. One took place on XX/XX/XXXX and the other three took place on XX/XX/XXXX. The recipient was a person named XXXX XXXX whom I don't know at all. The total amount was {$4500.00}. I immediately called TD Bank to report these unauthorized transfers. A representative at the Fraud Department told me she was not able to stop the transactions since the first one had been processed and the other three were in process. She filed the case and submitted it to the Disputes & Claims Department. She also told me the investigation would be complete within 10 business days and I should receive a written letter about the result. In addition, she helped me close/freeze the old account, open a new one, and transfer the majority of fund from the old one to the new old. XX/XX/XXXX : I called TD Bank to ask about the investigation result since I never received the letter. I was told the department determined the four transactions were processed properly. Therefore, there was no need for further. After hearing my explanation of the situation, the rep filed the case for me again and suggested that I fax a copy of the police report and the identity theft report I filed with FTC afterwards. Following her advise, I faxed both reports along with a letter to explain what happened. XX/XX/XXXX : I received a letter, dated XX/XX/XXXX, from the Disputes & Claims department at TD Bank. They have determined no error occurred so there was no action needed at their end. XX/XX/XXXX : I sent another package that contains the police report, FTC report, and a letter explaining the situation and requesting the return of {$4500.00} by mail. As of today, XX/XX/XXXX, I haven't heard any response from TD Bank.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am submitting this complaint because I am being extremely affected by NORDSTROM BANK. They are being completely unfair and I dont know how to get ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. I tried to call in XXXX to get deferment during Covid19 and phone lines to Nordstrom were jammed, I could never get through. And online it didnt give me an option to ask for deferment. Later my wife called on my behalf and XXXX told her not to worry that all accounts automatically qualify for deferments. The account information is the following : Account Name : NORDSTROM/TD BANK Opened Date : XXXX. XXXX, 2019 Balance : XXXX Credit limit : {$300.00} My demand is based on many damages and all the violations that they have committed. I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. Thank you.
Company Response:
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: TARGET/TD XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Company Response:
State: CA
Zip: 93706
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was put on a payment plan but they still call me all the time
Company Response:
State: NJ
Zip: 084XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX I opened a checking account with TD bank subject to a promotion offering {$300.00} for customers who received cumulative direct deposits greater than XXXX. The terms also stated that the offer was available to customers who did not have a checking account within the preceding 12 months. I had closed my previous account on XX/XX/XXXX. I met the requirements spelled out in the offer by XX/XX/XXXX but TD Bank is refusing to pay out the bonus because they say I am not a new customer.
Company Response:
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A