Date Received: 2023-10-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: * Your name : XXXX XXXX I made a deposit about a XXXX ago now and the person who owns the account still hasn't received the money. The deposit was made in person at a branch but I can't find the receipt. I've been to the branch XXXX different times now, last one with the recipient of the account and they can't find the money. What are my options? XXXX at the branch almost excorted us out of the branch saying that we're lying. PLEASE HELP! * Your preferred contact number : XXXX XXXX XXXX XXXX XXXX XXXX Date of deposit : XX/XX/2023 ( Maybe XXXX? ) * Time of deposit : Around XXXX * Amount of deposit : XXXX * Source of funds ( i.e., cash, cheque, etc. ) : Cash in branch with teller * Full name of account holder : XXXX XXXX - XXXX XXXX XXXX XXXX * Account information provided on the date you visited the branch : Acc Number : XXXX *Branch Location : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On Monday, XX/XX/2023 I called Nordstrom Card Services to close my consumer Nordstrom Visa Signature credit card ending in XXXX. On this call I was told that the account had been closed as I had requested, when in fact the account had not been closed. I have made several attempts since then to close my Nordstrom Visa Signature credit card account over the phone and Nordstroms Card Services continues to make excuses, transfer me to different departments and even tell me again that the card has been closed, when in fact it remains open. Nordstrom Card Services has deliberately refused my wishes and intentions to close my Nordstrom Visa Signature credit card ending in XXXX- on multiple occasions. I have recorded calls of the conversations and have been specific about my intention to have my credit card closed. More detail about this issue follows : In early XX/XX/2023, my Nordstrom Visa Signature card became unusable for purchases. It was frozen/locked for purchases, although I could still make payments. This was odd and not something that I anticipated. I called Nordstrom Card Services several times from XX/XX/XXXX to XX/XX/XXXX asking for reasons why my account was frozen/locked. I was told that my account was " under review '' and was given no explanation of why this was so or when the " review '' will conclude. I had done nothing wrong with this account, have used the card in the same way for the multiple years that it has been open, have been a loyal Nordstrom customer, and have made all payments on time and have had an otherwise current and good account standing. I patiently waited weeks for the " review '' of my account to conclude and on Monday, XX/XX/XXXX I called Nordstrom Card Services to close my consumer Nordstrom Visa Signature credit card ending in XXXX. I had made debit card payments in Nordstrom stores over the weekend ( XXXX XXXX ) to pay off my balance. In fact, to make sure there was no remaining balance, I overpaid on the account and had a credit/negative balance of approximately - {$400.00}. On the call to Nordstrom Card Services on Monday, XX/XX/XXXX I asked the services agent on a recorded line if it was possible for me to close the account and was specifically told " yes ''. I then proceeded with my request to close the account. Before concluding the call, I asked if the account was closed and the Nordstrom Card Services agent told me/verified that the account was closed. On XX/XX/XXXX, I called Nordstrom Card Services to double check that my account was closed and to my shock, learned the the account was not closed on XX/XX/XXXX as I had requested. I asked that the account be immediately closed. That closure again did not take place. On XX/XX/XXXX, I also called Nordstrom 's Experience Line ( XXXX ) and left a message explaining the situation, inquiring as to why Nordstrom Card Services continues to defy my wishes and not close my credit card account, and also asking that my credit card account be immediately closed. The request for closure did not take place. This " customer experience '' number appears to only have voicemail options available for inquiries. Early on XX/XX/XXXX, I was on vacation outside of the XXXX until XX/XX/XXXX. However on XX/XX/XXXX I received a voicemail from ( XXXX ) at Nordstrom Card Services saying the request to close the account effective " today '' or on XX/XX/XXXX. This closure again DID NOT take place. On XX/XX/XXXX I again called Nordstrom Card Services and inquired about the situation and repeated my request to have my credit card account ending in XXXX to be immediately closed. On this call, I spoke with XXXX ( a card services representative in TX ) and was directly told - again - that my account had been closed. Later on the call I asked XXXX specifically when my account was closed, and she responded that the account had not been closed but was set to be closed on or by XX/XX/XXXX. I was astonished and couldn't believe that 1 ) my account had not been closed 2 ) I was again told that my credit card account had been closed when in fact it had NOT. This is a similar pattern that Nordstrom Card Services is employing. I call in to Nordstrom Card Services and ask that my credit card account be immediately closed, they tell me it has been, but when I ask for more detailed information, then my account turns out to not have been closed. I asked for names of managers who have been connected with the decision to not grant my wishes and close my account and XXXX mentioned the name of a manager named XXXX or XXXX- a name that I've heard before - and someone who appears to be directly connected with the intentional decision to not close my credit card account against my explicit wishes to do so. I am asking that Nordstrom Card Services immediately close the account ( as requested by me, the consumer cardholder, and NOT a closure by the XXXX XXXX XXXX XXXX What is also troubling here is that there appears to be an explicit attempt by managers like Evonne/Yvonne at Nordstrom Card Services to keep my account open against my wishes. This is absolutely deliberate. I would like a detailed explanation of why this has been done and who are the people responsible for doing so. I had hoped to close my account in peace and avoid a CFPB complaint and also legal recourse, but Nordstrom Card Services has continuously, consistently and blatantly denied my request for account closure. This has been extremely stressful and time consuming. I have made several recorded calls to Nordstrom Card services asking for additional detail about why my explicit wishes to close the account that have not been followed. I have had take time away from work to communicate with Nordstrom Card Services, record calls, log written notes, and detail what has happened to my account. I have done nothing wrong, have been a good and loyal customer to Nordstroms, have always made payments to my Nordstroms credit card account on time, and have abided by payment terms and conditions that Nordstrom Card Services has set forth and have a current account in good standing. Yet Nordstrom Card Services has intentionally refused to abide by my repeated requests to close my credit card request. I have recorded my calls and interactions with Nordstrom Card Services and assume Nordstrom Card Services has recorded the calls too. There should be no discrepancy about my intent to close my credit card account or about the deliberate refusal of Nordstrom Card Services to abide by my wishes and close the account.
Company Response:
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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: Target has tried to deny this dispute despite the fact that on the recorded calls -- I was informed that a check would be mailed to the address on file once the payments have cleared. For this reason I disposed of the prepaid cards which DO NOT accept refunds. In other words, Target went out of their way to send money back to prepaid cards that can not accept credit after the initial load. The issuing bank can not help as this is not their problem, but rather the issue that Target caused. I was misinformed and misled on several occasions and checked the mail daily for a check. I was told months later that the funds were returned to prepaid debit cards. If Target does not send a check for the balance of {$22000.00} to the address on file, I will have no choice but to move forward with litigation. In early 2022, I opened a Target Redcard Credit Card. I was given a credit line that was insufficient for my needs and was told that if I prepaid ahead of charges I would a ) be able to spend more, and b ) would accelerate and increase the likelihood of recieving automatic credit line increases. I made a payment in-store via prepaid debit cards that do not allow credits after activation. My last payment was made in XXXX of XXXX totaling {$22000.00} -- XXXX payments in the amount of {$490.00} per prepaid debit card. The payment was made in-store. Not long after Target called me and informed me that my account was closed for excessive payments, despite the phone rep telling me that it was an approved method for increasing spending power and was viewed as a positive action by the bank. They informed me that they would be refunding the credit balance on the account via a check to the mailing address on file. The prepaid debit cards have been disposed of and they do not accept credits after the initial activation. Months after the incident Target informed me that they decided to return the payments to the original payment method despite them having to go out of the way to do this and process XXXX individual refunds. This is inconsistent with standard practice, both for Target and for the industry standard. After the funds have cleared and the hold period has elapsed, a check is typically issued to the address on file. Target refuses to correct their mistake and says that I need to call the prepaid debit issuer. Target went out of their way to cause this issue, will not even provide proof that the funds were sent, and will not issue the check they had promised to issue as of Saturday XX/XX/2022. The reps claim that this is standard practice in instances where they refund a credit balance on the account, however that is not the case.
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem with customer service
Subissue:
Consumer Complaint: Bank location : TD bank, XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Representatives : XXXX and XXXX ( supervisor ) On XX/XX/XXXX, I deposited a total of {$1500.00} into my account via the bank 's ATM. This consisted of four money ordersthree for {$350.00} and one for $ XXXXand {$140.00} in cash. Two hours after making the deposit, I checked my mobile banking app and noticed that the amount had been adjusted to only {$870.00}, resulting in a shortfall of {$700.00}. I was informed that the money orders were considered 'illegible, ' which I find hard to believe. These money orders were of the same quality and format as others I have successfully deposited in the past. I even requested the return of these so-called 'illegible ' money orders for my own verification, but this simple request has also been delayed without any clear explanation. Over the next three months, I visited the bank six times to resolve this issue. Each time, I was told to wait for a response. Frustratingly, no resolution or clear timeline was provided despite multiple visits and conversations with the bank staff. Since the issue arose, I've had to borrow money to meet my rent obligations. This has led to additional financial burden as I am incurring interest on the borrowed amount. I have requested the bank to correct this error and deposit the missing {$700.00}, as well as provide a timeline for resolution, but as of now, the issue remains unresolved.
Company Response:
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I responded to a credit card offer with Target. There was a promotional offer if I opened a card I would receive {$50.00} coupon to use off of a purchase of {$50.00}. I received the card and the coupon in the mail. The promotional coupon said to download the coupon by scanning it no later than XX/XX/23 and the coupon has an expiration date of XX/XX/23. The problem is I did not receive the card until a few days after XX/XX/23. I tried to download the coupon but I received an error message saying it was invalid. I called Target Guest Services and I spoke to someone who assured me they would mail another coupon out with the correct dates. Three weeks later I have not received the coupon. I called Target Guest Services again only to be told that there was an error made by the printing company and the scan by date was wrong it should've matched the expiration date and there was nothing they could do about it. So, I was not given the promotional offer promised for opening the card due to their error. I asked to speak to a XXXX. I was put on hold for about 15 minutes then hung up on.
Company Response:
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a CD on-line with TD Bank - 12 month term 5 % rate for {$25000.00}. I transferred the funds directly from XXXX XXXX XXXX XXXX Account to TD bank. I was not able to sign on to my new TD account on-line so I called the help number and was told that fraud was suspected so I needed to go into a branch office with photo ID. I made an appointment and visited my local branch ( XX/XX/2023 ) and was told that the CD I purchased was only available to customers with a checking account AND that despite the fact the the funds were taken from XXXX XXXX XXXX XXXX account they had not yet shown up at TD bank and I needed to wait XXXX business days for the transfer to take place. I noted that a ) there was no place on line that indicated that a checking account was required to open a CD ( This is clearly deceptive advertising ) ; b ) I do not have access to my savings ( {$25000.00} ) ; and c ) I XXXX hour in the branch office as multiple staff attempted to sell me alternative investment vehicles.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 hard inquires was pulled from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge , I sent dispute letters 2 months ago but have not gotten any response back from the creditors.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a small business account with XXXX Bank and deposited funds into the account. When opening the account, I provided the Certificate of Incorporation filed with the Secretary of State 's office and the EIN letter from the IRS. Both documents have the correct name of the business. After opening the account, I traveled to another state to purchase equipment for the business using the funds in my account. While attempting to transfer the funds to the company electronically, I was locked out of the account. I was on the telephone with an assistant branch manager while making the transaction, but I was placed on hold and eventually disconnected. When I tried to log back into my account, the account was locked and I have not been able to access the account since that day. When I called the customer service number to get back into the account, I was told that the business name did not match the name on the Certificate of Incorporation and EIN document. I later found out that someone changed the business name on the account without my permission from " XXXX XXXX XXXX XXXX '' to " XXXX XXXX ''. Customer service notified me that I would have to go into a local branch to get back into the account even though I was in a state without a physical bank location. When I returned home, I went into the physical bank location and went through the process of having access restored. However, when I logged in the next day, I was not able to access the account. I called the employee who restored access and she said I would have to come back into the branch again. I have been a customer with TD Bank since 2006, and this has never happened before. I need assistance with getting access to my account and my funds. I also recently have had an issue with the bank changing the name on my personal account from my legal name " XXXX XXXX XXXX '' to a previous name " XXXX XXXX ''. I have made requests multiple times to have the name corrected, but the bank continues to change the name on the accounts and debit cards to my previous name. I need assistance with getting the bank to change the name on my personal accounts to my current legal name.
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: td bank XXXX maintenance fee was told anytime my account falls below XXXX from XXXX of the month to the XXXX of the month i will be charged XXXX fee no grace period and even if i put money back in the account the next day i still get charged the fee.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Paid off my balance of {$1600.00} later received bill stating previously balance was XXXX With new balance of {$70.00} When I called customer service to ask about the additional {$18.00} I was told it was interest on a balance of XXXX. I told Target this was not correct Because I only owe {$52.00}. Was told in late XXXX to just pay the {$52.00} So I paid it on XX/XX/XXXX since it was due by XX/XX/XXXX. Today XX/XX/XXXX. I called Target since at my request I asked that this account be closed back on XXXX XXXX. Just was checking to see if payment was received. I was told I had to pay the interest Again I explain to customer service what I was told about the interest and that it was wrong.Target own customer service said I didnt have to pay the interest.
Company Response:
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A