Date Received: 2021-01-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Notarized Affidavit of Truth was sent via postal mail along with certified receipt to NORDSTROM/TD BANK along with Exhibits stating violations per USC 1692d ( 1 ). NORDSTROM/TD BANK is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
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: TD BANK USA / TARGET XXXX XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX https : //www.target.com/redcard/about I am just asking for the Date of First Delinquency on my Td Bank Target Card . What is the date / year I become 30 days late and never did catch back up. You are not provided this information to me, nor are you providing this information on credit reports.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Some disputes on various accounts are for my ex-husband account I don't have nothing about
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a TD Beyond Checking account on XX/XX/XXXX. They advertised customers can earn {$300.00} sign-up bonus with {$2500.00} direct deposit in 60 days. In terms of eligibility, they clearly stated the below in the Promotion Disclosure section ( screenshot attached ) : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. '' I completed the criteria on XX/XX/XXXX yet still no bonus, so I approached TD Bank. They replied I was ineligible for this bonus because I had a checking account with them back in XXXX - which clearly contradicts with their disclosure term of the " preceding 12 months ''.
Company Response:
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a late payment notice on a Target Credit Card. I immediately paid the balance that was due when notified. I spoke with the company directly and they said that they remove the late payment from my credit report and the late payments are still showing on my credit profile and they are hindering my home buying process in a very negative way. I have reached out to the bureaus directly and haven't received a response ( its been over 60 days ).
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my checking account at TD bank on XX/XX/XXXX when there was the following promotion : receive cumulative direct deposit of {$25000.00} within 60 calender days of account opening and receive a {$300.00} bonus. The bonus will be credited into the new personal checking account no later than 140 days from the account opening date. I completed the direct deposit requirement ( direct deposit from my employer ) but as of today ( more than 140 days after account opening ) I still have not received my bonus. When reaching out to TD Bank they kept providing differnet and contradictory reasons on why I didn't qualify for the bonus when in fact I strictly followed all terms and conditions. People should stay away from this bank that refuses to honor their own terms.
Company Response:
State: MA
Zip: 02118
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, my mortgage with TD Bank was paid in full. On XX/XX/XXXX, they took XXXX out of my checking account for a mortgage that was PAID IN FULL. They also owe me over XXXX for money that was in my escrow account to pay taxes and homeowners insurance. I spoke to customer service on the XXXX and was told a check would be sent out that day. It is the XXXX of XXXX and I have not received anything from this bank. I also need to be paid the interest on all the monies that I would have received if that money was still in my own account. I also need to be reimbursed for postage or the gas that it takes to drive from XXXX Maine to XXXX New Hampshire which is where my Credit Union is located. That is XXXX miles one way, so XXXX miles worth of gas.
Company Response:
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX On XXXX. XXXX, XXXX and XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear Sir, I have a TD card that I used, and I am always making my payment on time. I hardly missed a payment. During COVID, I struggle to pay my billed due to covid but I do pay way payment beyond the minimum payment. I was late with one of my payments and TD charge me a late fee of XXXX. I called TD and explain why my payment was late due to COVID but they refuse to listen and refuse to waive the XXXX late fee. I am not asking TD to suspended my payment, I am just asking to wave the late fee of XXXX, and they refuse. Please help me get this late fee waive. Your assistance will be appreciated.
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: We bought a XXXX treadmill in XX/XX/XXXX using a " XXXX XXXX Account '' administered by T.D. Bank. We paid off the treadmill quickly, but were unable to close the account. In XX/XX/XXXX, T.D. Bank sent us a letter of " Important Changes to Your Account Terms '', and again attempted to close the account. We called the phone number on the bottom of the letter we just received and were put on hold for more than an hour multiple times. We eventually talked to someone from T.D. Bank and they claimed they were unable to close our account. They forwarded our call to someone they claimed could close our account, but that person also claimed they could not close our account.
Company Response:
State: NM
Zip: 87505
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A