Date Received: 2020-12-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, This is not my account, I already disputed and they did not meet my requirements to verify ownership
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had talked to Nordstrom Credit Card Services for them to remove the information about my account in my credit reports because it's old and they fail to do so.
Company Response:
State: PR
Zip: 00729
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My name is XXXX XXXX DOB XX/XX/86. I have been impacted with XXXX SINCE XXXX! I HAVE BEEN IN CONTAXT WITH TARGET WHEN NOT on XXXX as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for XXXX AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM XXXX AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS XXXX POINTS! WHY?! BECAUSE TARGET REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO! THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING XXXX IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR XXXX ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN! I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM XXXX BECAUSE THESE CARELESS XXXX RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Account opened at XXXX, and agreed on terms and interests, bank kept lowering interest without prior notice, when complained about losses they threatened to close the account. When making withdraws bank gave damaged bills and refused to exchange, gave hard time to give big denominations. Held direct deposit funds for a day or two without any explanation. Bank manager XXXX XXXX has retaliated when complained with her district manager XXXX XXXX, who claimed to be a director in the company, a unsigned letter was sent indicating they are closing the account. This is a result of my complaint against their employee XXXX XXXX. Upon looking a list of directors filed by XXXX XXXX with the XXXX and XXXX or XXXX, no director with such name in the company.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: When I opened my account with TD Auto Finance Account # XXXX Upon doing that I put the account on Auto pay. All payments have concluded in a timely fashion without any hitch. The last payment for some reason did not debit automatically. I was not aware of any issues as soon as I was after trying to apply for a refinance. I made the payment immediately.. I would like to to resolve this easily without having to escalate the matter.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, XXXX XXXX, 2019, XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit report. 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: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We received a written Payoff Statement from TD Bank on XX/XX/2020 at XXXX. In reliance on this statement, we refinanced our mortgage and wired the full and final payoff balance plus 4 additional days interest to TD Bank on XX/XX/2020. TD Bank accepted that wire payment. As part of our refinance, the title company collected and paid the XXXX property taxes to the County. On or about XX/XX/2020 TD Bank called my husband 's cell phone to state it was a collections call for the outstanding balance due on our mortgage. We informed them this must be an error that our mortgage was paid in full in XXXX. This was our first notification by TD Bank. On XX/XX/2020, we received a letter from TD Bank stating the payoff statement was incorrect. On XX/XX/2020, TD Bank without our authorization withdrew the second half property taxes from our escrow account in excess of the account balance creating an escrow shortage after TD Bank was in receipt of our full and final payoff on XX/XX/XXXX. TD Bank included these escrow funds in a check that was cut to the County on XX/XX/2020. We have no proof of this tax payment and the County has not posted it to our account. We were never notified of the escrow shortage that TD Bank created after receiving our payoff until the collections calls began on XX/XX/XXXX. In fact, TD Bank had just completed an escrow analysis in XXXX after paying our the first half property taxes in XXXX. TD Bank is now demanding an additional {$2800.00}. On XX/XX/2020, I spoke to XXXX XXXX who refused to give me his last name ), the supervisor of the loan servicing department, who confirmed that TD Bank received the payoff funds on XX/XX/XXXX. He confirmed that the amount due was caused by TD Bank deducting funds from our escrow account on XX/XX/XXXX. He refused to attempt to contact the County to request a refund of the taxes that TD Bank sent in error and told us we must seek our reimbursement. TD Bank is not only penalizing, but also causing an undue hardship to the consumer for their own errors and omissions that started with : 1. incorrect escrow analysis ; 2. unwillingness/refusal to apply the payoff wire ; 3. breach of fiduciary duty to cause an escrow shortage after receiving a full & final payoff ; & 4. lack of any notice to the consumer for over 21 days after receiving and holding the Full & Final payoff ; 5. Failure to satisfy the loan when in receipt of the Full & Final payoff amount ; & 6. Placing the consumer in collections and negatively impacting the consumers ' credit due to TD Bank 's refusal to apply the full & final payment. These are unfair, deceptive and egregious financial business practices.
Company Response:
State: MD
Zip: 21146
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened accounts with the bank on XX/XX/2020. I opened a business account with a deposit of {$10000.00}, written off of a XXXX XXXX XXXX account. I also opened a personal checking account with a {$4000.00} cash deposit. Sometime around XX/XX/2020 I received a call from the branch manager XXXX XXXX who informed me that the bank has closed my new accounts and I will have to wait for the deposit to clear from the business account and that a check will go out for the personal account, since it was opened with a cash deposit. I am still waiting for my {$14000.00} and no one can tell me where the money is. I was told by XXXX that they were sent XXXX but he was not allowed to get tracking numbers. Then he told me they were sent USPS but he still can not get a tracking number. Here is the text from his email from XXXX " Hi XXXX, I tried to give you a call after I got off the phone but didn't get an answer and im going to be with customers the rest of the afternoon. But I wanted to get back to you with the information I do have. Our Mail goes to a Sorting center in NJ Your package was sent out on the XXXX of XXXX the day after the big snow storm and the tracking information says it arrived on Tuesday the XXXX. From there it was mailed out directly to you. Unfortunately I do not have any other information at this time except they are on their way to you. And should be there shortly. I know USPS is having a lot of short staffing issues but they are on their way. Thank you, XXXX XXXX '' So in the meantime, I am missing {$14000.00} and no one knows where it is.
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A payoff was sent to TD BANK for XXXX XX/XX/XXXX and I confirmed that they have the funds to pay off the mortgage since XX/XX/XXXX and as of today XX/XX/XXXX it is still showing not paid. They say they are going to credit the payment every time I call. I do not want them to report a late pymt and I want them to credit the payment as of the day they received it ... XX/XX/XXXX. I've had to put in several complaints about TD BANK in reference to the servicing and I will be happy when this is paid off.
Company Response:
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A