Date Received: 2020-12-03
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: I have been disputing this Authorizer user account with NORDSTM/TD XXXX and XX/XX/XXXX XXXX multiple times. I already sent letters directly to NORDSTM/TD, XX/XX/XXXXXXXX, XX/XX/XXXXXXXX and XX/XX/XXXXrequesting removal from this derogatory account. I already sent a total of 5 letters just for this request. I am not responsible for this account but it continues to give a negative impact on my credit score. I did all my resources to fix this issue with them. But the only response that I received reporting this account as valid in my credit report. I am not responsible for this debt. Please remove me as an Authorized User and delete this from my credit report. Filling a complaint would be my last option for making sure that NORDSTROM TD BANK would do my request. 1. NORDSTM/TD XXXX 2.XX/XX/XXXX XXXX
Company Response:
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020 I open a TD 60 Plus Checking account. On XX/XX/2020 I deposited {$250.00}. into the checking account. I received, via US Mail, a folder containing blanks check to be used with this account. In the latter part of XXXX, I continued to deposit into the account by visiting a local branch and submitting cash deposits totally approximately {$8000.00}. Starting on XX/XX/XXXX, I started writing checks against the TD 60 Plus Checking Account. On XX/XX/XXXX, I learned that my checks were being rejected. I learned about this through a separate bank account receiving checks written against the TD 60 Plus Checking Account. I physically went to the TD branch bank to inquire about the reason my checks were being rejected. Prior to this, I received no notice, via US mail, via email, or from TD bank employees at the bank when I was depositing into the account. I was told the account was closed. I was given no notice. I asked why the account was closed and I was told that they could not tell me. I still, to this day, do not know why this account was closed by TD Bank. A couple of days later I went to another TD branch collect my funds that were in the account. I was given a cashiers check for the full amount. I incurred returned check charges on the receiving bank and I am looking for restitution. I think punitive damages are also warranted due to their egregious behavior. And I want an explanation on why they unilaterally closed my account.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My name is XXXX and I am writing in high hopes that you will be able to help resolve a very concerning fraud claim that TD bank has failed to resolve the first time. I filed a claim on XX/XX/XXXX after I had been a victim of fraud. To my utter surprise, my claim was denied. I am disturbed that TD bank would reject a claim that has fraud written all over it and is of no fault of my own. I am also shocked that TD bank would reject this claim during this challenging time in our world and also since I have been a loyal TD customer for years. I submitted a second claim tonight, XX/XX/XXXX and plan to bring evidence ( screenshots of text messages between me and the hacker ) of this fraudulent situation to my local TD branch. Below is an outline of exactly what happened on XX/XX/XXXX. I received a text message from the TD Bank Fraud protection department asking if I recognized a charge on my card, which I did not. I called TD bank immediately, and as I was calling, received a call from the exact same TD bank XXXX ( XXXX ) XXXX number. Assuming it was fraud checking in with me, I answered. They sent me a verification code via text to ensure it was a TD representative ( with the exact number and wording that TD bank uses ). After this, they promised to reverse the funds that had been taken out of my account and asked me to type Y for yes to verify the " reversal funds to get the stolen money back into my account. Apparently I have been told by the bank that this was done on an app called XXXX and I had no idea what XXXX even is because I have never used or heard of XXXX in my life. Its shocking to me that these transactions have been processed without my authorization and that the bank is not there to protect me. I never at any point authorized anyone, including myself, to use XXXX with this account and was never notified by the bank that XXXX was being used with my account. The claim was at first denied because I had authorized this transaction, but it is clear that I was a victim of fraud since the hacker had so well impersonated TD bank. I am disappointed and disgusted that XXXX was taken from me and that TD bank claimed that I had willingly verified the charges when in fact I had blatantly been tricked and a victim to fraud due to the exact TD bank phone number and wording of the messages. TD bank has been awful in helping me resolve this problem - I have gotten little to no support or empathy for the loss of XXXX. I filed a police report and have another claim in, and I am hoping that you will be able to help resolve this case. I appreciate your time and consideration and look forward to hearing from you. Warmly, XXXX
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I made two payments from my checking account with TD Bank for two credit cards on Friday XX/XX/2020. One payment for XXXX dollars and another payment for XXXX dollars. Then on Sunday night I made a withdrawal of XXXX dollars. Which made the account negative. I accepted the XXXX dollar fee for that transaction. However, I was not aware that the two payments did not go through yet. I now discovered that I was charged XXXX in OD fees. That's outrageous. Especially that I am being charged XXXX dollar fee on a XXXX dollar payment! I called TD bank to try to get a refund and they said that these are the rules and there is nothing they can do. These kind of business practices are suitable for a shady 3rd world credit card company not for a reputable Bank. It is highway robbery. This needs to be publicized and TD bank to be shamed into abandoning such disgusting practices that tramples the average honest consumer. I demand a reversal of these very unfair fees.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX my account was sent into over overdraft ( XXXX ) for a XXXX XXXX order through td bank. Even with a beginning balance of XXXX there shouldn't have been a charge becuase td says they dont charge for under XXXX dollars. This whole time there's XXXX in my savings account that I was told my multiple different customer service reps that I had overdraft protection and it would just pull from my savings. Then on the XXXX, they charged another with XXXX in our checking. How is that allowed. We called later that day and got them reversed and SPECIFICALLY brought up the OD protection, only to be told it wasn't on our account and we have the option to enroll. So we said yes. Only to have XXXX more dollars taken out in over draft the XXXX. When that XXXX dollars was taken out, there was around XXXX dollars in the account and no charges. So we called again, only to be told we dont have overdraft protection, and then we had to speak to a supervisor becuase the rep we spoke to kept telling us the same thing we've just been told 3 days ago. The supervisor then goes on to get in a screaming match with us and refuses to listen to what we had to say, regardless if they were what her employees told us or not.XX/XX/XXXX
Company Response:
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was charged 12 basis points ( {$330.00} ) more in up-front fees for my mortgage loan in the days leading up to my closing on XX/XX/2020. In the attached you will see my original rate lock agreement stating I agreed to pay XXXX points to receive the interest rate. In the attached you will also find my draft closing disclosure which I continued to agreed to pay the XXXX points. This rate lock agreement was set to expire on XX/XX/2020. My closing date was originally scheduled for XX/XX/XXXX. On XX/XX/XXXX, I was notified that the seller would need to delay the closing. Considering my rate lock agreement was set to expire on XX/XX/XXXX, I called my loan officer to inquire about an extension. He said I had the option to get an extension for the 12 basis point fee. I recall him explaining that the fee changes daily so I should consider requesting the extension. However, he led me to believe that the extension could be taken off my file if I did not need it - which is why I agreed to it a week in advance. On XX/XX/XXXX, I was notified that the seller could close on XX/XX/XXXX. However, I still had not heard from the bank 's closing team so it was unclear to me if the Bank would be able to close on the XXXX given the CD waiting period ( and, relatedly, whether it would fall to me to require a rate lock extension if it was the Bank 's fault the closing was further delayed ). On XX/XX/XXXX, I was notified by the bank 's closer that we were on schedule to close on the XXXX, so I called my loan officer to tell inform him to take the rate lock extension off my file as I no longer needed it. His tone completely changed from our conversation on the XXXX and said the extension could not be undone. We further discussed the change and he said that I could take my business elsewhere if I was not happy with the service. Yes, the loan officer told me 48 business hours before my closing that I could take my business elsewhere. I requested to talk to the loan officer 's manager and the manager did not take off the extension. The extra {$330.00} fee was charged in the form of points on my CD, even though I never agreed to that charge in subsequent rate lock agreements. You will see in the attached that the loan officer and I signed the most recent rate lock agreement without the fee earlier in the week. However, the final CD still stated the fee and the loan officer said via email on XX/XX/XXXX that it would NOT be credited back. Now, this left me with two choices : 1. Pay the extra fee that I never agreed to. 2. Cancel the mortgage and throw away the purchase of my {$360000.00} home after months of time, energy, and money during the due diligence process. I chose ( # 1 ) to go through with the mortgage because I couldn't afford not to.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I'd like to file a complaint against both TD bank regarding my case below : I opened TD bank account on XX/XX/XXXX on TD bank website because I got a mail invitation to open account from TD Bank. After the account successfully opened on TD Bank website, TD Bank website requested me to fund the account. So I did a fund transfer from XXXX XX/XX/XXXX to TD bank by filling my bank account information on TD bank website. After a few days, on XX/XX/XXXX, I got an email from TD Bank saying the fund transfer is unsuccessful and requested me to call them. I checked my XXXXXX/XX/XXXX account, the fund went out on XX/XX/XXXX and it never came back to my XXXX checking account. I called TD Bank customer service at XXXX and I was told I have to go to TD branch to fix the issue. I went to TD Branch in NJ on XX/XX/XXXX and I was told that the account was closed by TD Bank right after its opened by its system. ( Complaint 1 with TD : TD bank closed customers account without notifying customer and even though the account was closed, it asked customer to fund the account. TD bank website is obviously misleading customer and not clearly define the account opening process. Customer was told that account was open successfully online while was told a different process in their Branch ). Because the account was closed, the fund transfer was rejected. I was suggested to contact XXXX XX/XX/XXXX to fix the issue. ( Complaint 2 with TD bank, The transaction was made from TD bank website, TD bank should be responsible for the grace and fully completed transaction. In case of problem, TD bank doesnt show their willing to help customer but push customer to the other side and let customer to fix the issue. ) I made a call to XXXXXX/XX/XXXX hotline, the operator redirected me to their claim department on XX/XX/XXXX. XXXX claim department told me that the money was transferred to TD bank and TD bank should have my money. I went back to TD bank branch and asked the XXXX claim department staff on the call to talk to TD bank branch manager. TD bank branch manager clarified that the transaction was rejected and suggested XXXX claim department staff to file a claim. XXXX claim department staff agreed to file claim and move on with the fund trace from XXXXXX/XX/XXXX and suggested me to give a call back in1-2 days. On XX/XX/XXXX, I made a following up call with XXXXXX/XX/XXXX claim department and I was told that the claim was closed by XXXX as they couldnt find any rejection code or error in their system. In the meantime, I called TD bank branch manager again and ask him to talk to XXXX claim department. This time XXXXXX/XX/XXXX said they will open the claim and reached out to XXXX ACH department /back office to check. XXXXXX/XX/XXXX asked me to make another follow up call in 1 or 2 days. TD bank branch manager also suggested me to reach out to TD bank hotline if we want to reach out to TD bank ACH department/back office.- XXXX. I called this number and I was told TD bank hotline can not do anything because they dont have any of my account information. ( Complaint to TD Bank, yet another misleading information given to customer ) On XX/XX/XXXX, TD bank branch manager shared me with the tracer information. I made following up call with XXXX XX/XX/XXXX. I was told by XXXX XX/XX/XXXX that the claim investigation is still in progress and asked me to call back one day later. I shared tracer information with XXXX XX/XX/XXXX in the call. On XX/XX/XXXX, I made following up call with XXXXXX/XX/XXXX and I was told there was nothing found by XXXXXX/XX/XXXX. It was a successful transaction. The XXXX XX/XX/XXXXhotline staff asked me to FAX the email from TD bank which stating the fund transfer was unsuccessful. He promised me that once the email was Fax to XXXX XX/XX/XXXX back office, XXXX XX/XX/XXXX back office will start looking into the issue and made an conclusion in 3-7 days. I did all the required actions. On XX/XX/XXXX, I made following up call with XXXXXX/XX/XXXX again, I was told the claim was closed, XXXX XX/XX/XXXX will not do anything for further research, they asked me to reach out to TD bank! On XX/XX/XXXX, I got a call from TD bank manager saying that the money is with middle man. Middle man has the money and made request to XXXX around XX/XX/XXXX. I called XXXX XX/XX/XXXX immediately and bridge XXXX XX/XX/XXXX with TD bank branch manager in the same call. The same information was shared to XXXXXX/XX/XXXXby TD bank branch manager. XXXX XX/XX/XXXX said they will put a note to their back office. The back bound transaction normally takes 30-45 for the money to come back to my account. Until XX/XX/XXXX, I didnt have any update on the issue. On XX/XX/XXXX I filed a complaint against XXXXXX/XX/XXXXtrying to resolve the problem. On XX/XX/XXXX I got response from XXXX XX/XX/XXXX regarding the same case. The response from XXXX is attached. TD bank should take this case seriously, take actions, talk to XXXXXX/XX/XXXX and get back to me with a solution.
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My complaint is regarding the subordination process of TD Bank. They currently hold my home equity mortgage and they are in 2nd lien position to my mortgage. I am trying to refinancing my first mortgage but can not do so until the TD Bank loan # XXXX gets subordinated. This process is in the 8th week and my rate lock has expired. I don't know if it is going to take days, weeks or months to get the subordination. I call every day for the past 2 weeks ( i usually have to wait at least an hour ) to get through and they can't tell me how long. In addition, they give you an email address to write to but ignore you as well. I've sent at least 6-8 emails which goes nowhere. TD Bank is horrible to work with with regards to subordination. They have cost me a couple of thousands of dollars already and it i lose my rate, will lose tens of thousands of dollars ( I am not exaggerating ) I need help to get it done but they should be consequences on there poor services and possibly what it has cost me financially
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Just the other day I ran an XXXX credit check and much to my surprise, I had issues on my report. There was a joint application for a closed TD Bank N.A. account with {$2400.00} left outstanding. I called the US credit card fraud service and after an hour+ was asked to call the cross borders number and after another hour + was told that this fraud was not on a XXXX card since the only info I have is the first six digits from the XXXX report - XXXX. I have attached the printout and the following is all I have on my side : Credit Card : TD Bank N.A. My name is XXXX XXXX XXXX. I go by XXXX XXXX. My last four digits on my social is XXXX. It says it was a joint application. The only joint application would be with another of my family - XXXX XXXX, XXXX, XXXX or XXXX. No other joint would I go after My address is XXXX XXXX XXXX in XXXX, MA XXXX The address that is on my credit report that is not mine is XXXX XXXX XXXX XXXX, XXXX, NC XXXX.This may be a way to lookup the past fraud. I also have an employer on my credit report as XXXX XXXX The account was opened XX/XX/XXXX. XXXX The account was Closed in XX/XX/XXXX There was a remaining balance closed of {$2400.00}. My email is part of the email and I can be contacted by cell phone at XXXX.
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I called Target Credit Card services to advise that I was having trouble submitting the XXXX payment online as customary. I tried twice and the payment failed both times despite having more than enough available funds in my XXXX XXXX savings account with routing number ending in XXXX. According to Target, the problem was not on their end. Somehow, the bank was routing the XXXX payment to an old account number ( same routing number ) ending in XXXX, instead of the intended account number ending in XXXX. During the XX/XX/XXXX call, the issue was corrected and full payment was collected via phone. There was no mention of additional penalties or forced account closure during the call. When I asked for a first-time courtesy waiver of the {$29.00} return fee, the request was denied. In response, I indicated that my card had been upgraded to a MasterCard ( vs store card ) to encourage additional spend, and I wanted to downgrade the card to my original plastic if this is the way they treat long-standing customers ( I have been a cardholder since XX/XX/XXXX XXXX. That request was also denied. I then stated that it was a horrible customer experience, driven by a bank error, and I planned to continue using the card in-store only going forward rather than continuing to support a bank that would penalize customers for their errors. The agent was rude and abrupt, cutting me off to say that this strict policy is mandated by Target corporation and not TD Bank ( the issuer ). Several days later, I received a vague adverse action letter stating that the card had been closed despite an impeccable payment history and ongoing active use of the card. With the closure of this tenured card, my credit score dropped 60 points with XXXX. While I am frustrated by the damage done to my credit score, I am writing because I called back again in XXXX to file a dispute and was denied the opportunity to do that. I asked the company to investigate what I believed to be punitive action and to confirm that it is indeed consistent with the Target Red Card agreement. I believe that the supervisor agent that I spoke with on XX/XX/XXXX engaged in disparate, unfair treatment and unilaterally decided to retaliate against me by closing the account, which was in good standing, to harm. When I called back, the new agent ( named XXXX XXXX told me that the card was closed because of the two returned payments ( not my error! ) and that the language in my Target credit card agreement called for closure according to its policy on returned payments. After revisiting the card agreement, there is no explicit language that says after 2 returned payments, your account will be closed - especially when those two occurrences happen within close proximity to each other and there is clearly a system error that needs to be addressed. It is disappointing to know that this is how Target treats customers who have 100 % on-time payments and have long been loyal to the brand. More importantly, it is critical to gain clarity on this policy and ensure that there was no deceptive or unfair actions taken against me by this agent who represented Target on the XX/XX/XXXX call. The company is now demanding a final payment of {$41.00} consisting solely of fees associated with their bank error. And the threat is to further ruin my credit if I do not pay this final fee. After spending thousands of dollars each year on my Target card, this is shameful.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A