Date Received: 2021-01-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for and was given a loan modification. In a conference call with the mortgage company, they informed me what the principal and interest payment would be and also notified me what the escrow payment would be. After making the first payment under the loan modification, I received another mortgage statement reflecting a drastically different mortgage amount. I went back and forth with TD Bank many times as every time myself or a representative on my behalf reached out to them, the kept referencing a different mortgage amount ( see attached ).
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
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: Recently, I attempted to purchase a XXXX gift card on Target.com using the Target REDcard credit card issued by TD Bank USA N.A.. I have done this numerous times in the past with no issues. The order went through and a few minutes later I received an email indicating that the order was cancelled but did not specify why. I called XXXXD Bank ( XXXX XXXX XXXX and was told the issue was with Target.com. I was transferred to Target.com and was told that there was a glitch in the system and that it would be corrected within 15 minutes. I tried again 1 hour later and the same issued occurred. I called back and the two Target.com orders {$1400.00} were cancelled indicating a {$0.00} transaction. I was told that I needed to wait overnight for the system to clear out the transactions. It is now 3 days later and Target REDcard still shows the transactions as pending although they have been cancelled. At this time, I can not make any purchases until these items are cleared out. My total credit limit is {$2000.00} and I had a {$240.00} balance. I have called Target REDcard and requested an increase in my limit but they have been unable and/or unwilling to clear out the cancelled orders. This is not a major issue. I felt compelled to file a complaint due to my frustration with this issue and the customer no service provided by Target REDcard.
Company Response:
State: GA
Zip: 31024
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Td bank keeps charging over draft of XXXX.i reach out to them and no help.they have charged me up to XXXX for over draft.and I haven't used my checking account since the XXXX of XXXX Now they have me up to XXXX .charging me over and over
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
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 purchased several items from Nordstrom, the company that I have my Nordstrom visa credit card with. I returned some high value items in the mail, which has never been a problem. One box contained over {$2000.00} worth of merchandise. Another contained a XXXX watch totaling {$2300.00}. I have my tracking information that shows the date the first box was received by their agent, which was on XXXX 8over a month ago. The second box has been with their courier since XX/XX/XXXX. Nordstrom always refunded my money to my credit card after 14 days of no movement with the carrier. Now, without any prior notice, they told me that I have to wait until they receive the items. That is unacceptable. I can not wait in perpetuity for their Carrier to hand them my returns. This is an issue they should take up with their Carrier and they should not be taking this out on their customers. Not only is my credit score going to suffer because Im not paying them for items that are now in their control, Im also being charged interestits like 20 % interest! That is just unconscionable. I should not be paying interest on items Ive returned to them WEEKS ago. Im sure theyre doing this to other customers. Ive tried to call multiple times to resolve this and even spoke to their supervisor who leads their investigations and financial services. He said they would not refund my money or even stop interest from accruing on amounts in dispute. Consumers should know that Nordstrom is no longer honoring their hassle free return policies and placing the burden on consumers for their incompetent courier services. What can I do to stop this?
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Out mortgage company is TD Bank since we bought our house in XXXX. My husband and decided to refinance and chose to do so with XXXX XXXX. We closed with XXXX XXXX on XX/XX/XXXX. After the closing, I called XXXX XXXX and obtained the Federal Reserve Confirmation Number received by XXXX XXXX after they paid the payoff amount owed to TD Bank. This payoff amount was given by TD Bank to XXXX XXXX. On XX/XX/XXXX, the mortgage balance was still showing on my online banking at TD Bank with a due date of XX/XX/XXXX and no later date than XX/XX/XXXX. Therefore, I called TD to question what was going on. After speaking with several representatives, I was told first that they never received the payoff from XXXX XXXX. However, the customer service representative was later able to find that the payment was received on XX/XX/XXXX using the confirmation number I obtained from XXXX XXXX. Although, she stated that the payment was not credited to the account yet. She also stated that the payoff amount given by TD to XXXX XXXX was incorrect amount ; it was short more than {$9000.00}. I was not very happy to hear that of course, however, my main concern was that I wanted TD Bank to work on fixing the error they made by contacting XXXX XXXX and that my husband and I should not be penalized by any service fees. In addition, no late payments should be reported on that {$9000.00} to the credit bureaus after the XX/XX/XXXX until XXXX XXXX takes care of the difference. Because the representative I was speaking could not give me a defiant response, I asked to speak to her supervisor who still could not take assure me that there will be no late fees or penalty charged on my existing mortgage with TD Bank. I then spoke with another supervisor stated that the TD bank employee made a mistake by entering incorrect payoff date XX/XX/XXXX instead of XXXX which resulted in deducting one year of interest from the payoff amount given to XXXX XXXX. However, she still could not grantee that no charges will be reported to the credit bureau of the payment was not made by XX/XX/XXXX even though she confirmed their employee 's error. All what she cared about was making sure that it was clear to me that I am responsible to pay them the difference! I gave the TD bank supervisor the phone number of the loan office who was helping us in the refinance process at XXXX XXXX. After being on the phone with TD for over 2 hours, I called XXXX XXXX asking for help on fixing the error made by TD bank, and she stated that they were willing to work with TD bank. Few minutes later, the TD bank supervisor called me and claimed that she can not get in touch with the loan office at XXXX XXXX because the phone number I gave her was incorrect. I asked her to repeat the number I gave her and confronted her that I spoke with XXXX XXXX Loan Office on that number few minutes ago. Later in the day, TD Bank supervisor called me and claimed that she will work with XXXX XXXX and they stopped the clock on my loan, however, the full mortgage amount still shows on my online banking with a due date of XX/XX/XXXX.
Company Response:
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I went through a divorce where i was to remain unharmed from the credit card listed on the judgement from the court order my ex wife was to remove me but has not done & it has affected my credit score to Acquire a home loan
Company Response:
State: CA
Zip: 93036
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received my credit report in the mail and notice this account on my credit report is incorrect. I then mail them a certified letter asking them to send me documents to Show I owe the money they say I owe. All they sent me was a letter saying my account has been verified with out showing me any paperwork stating this, I sent another certified letter asking them for Proof and I still havent received anything. This account is incorrect on my credit report and its hurting me. They are not responding or sending me what I ask for.
Company Response:
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I opened a TD Beyond checking account to secure the advertised promotion of {$300.00} they were offering. I did everything correctly but did not receive the bonus. They claim I received a bonus in the past but it was not in the preceding 12 months like their terms state. Their terms say, " Checking 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 did not have an existing account and I completed all required qualifying criteria. The terms CLEARLY state in order to be available for this promotion, you can not have had an account in the previous 12 months. My previous account was closed on XX/XX/XXXX. I am not the greatest mathematician in the world but between account closing on XX/XX/XXXX and opening account on XX/XX/XXXX is more than 12 months. Bottom line : I did not have an existing account, I did not have an account in the previous 12 months, and I completed all requirements. I was clearly a new personal checking customer! I would like someone from TD Bank to explain how I am excluded from this promotion. Simply saying that I've had an account in the past will definitely not suffice as the terms unmistakably state the preceding 12 months. I have attached a copy of the terms for your viewing pleasure ( I even highlighted it for you ).
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Problem when making payments
Subissue:
Consumer Complaint: I changed the bank attached to my autopay last XXXX and even got email confirmations of this activity, yet they continued to charge my old account. In XXXX this finally resulted in a returned payment and charges from my old bank and Target. As soon as I noticed it, I made the payment again immediately using the new bank account and called customer service who in turn called my bank to confirm what I was saying. Imagine my surprise when this manual payment was also rejected because they charged the wrong account again. So I made another payment, making extra sure I had selected the current bank account. I then deleted my old bank information from this account entirely. And still they charged my old account! Now I have all of these extra charges and Target had the audacity to cancel my account for too many returned payments despite that it was finally paid. I've spent weeks trying to get this taken care of and I just keep getting told to call another time or told that all of this was my fault.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019 TD auto finance, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote TD auto finance a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A