Date Received: 2020-11-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I received a letter stating the information sent to the credit bureaus was correct, but they did not provide me with the documentation to verify the late payments. According to the FCRA as a consumer it is my right to receive supporting documentation if the late payments were in fact verified which has not been provided. Provide me with documentation of these late payments to address provided. I have also provided proof of FCRA violations if a resolutions in not agreed upon.
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I applied for a job in indeed. I received an answer directly from a company on Indeed stating that I got employed as their personal assistant and my jobs gon na be to run errands. The person sent me 2 checks of {$4900.00}. Before i deposited the check into my td bank account, i asked one of the employee to verify if the check is legit. He told me yess. In the following day, the money was available into my account. i did withdraw the 2 checks. After 2 weeks in a half, i saw that my account is overdraw of {$9500.00}. I went to a precinct to file a complaint. I have a detectif over the case. He collects all the evidence. He gave me the complaint form to give to the bank. I gave them the complaint form. An employee from the bank told me that either way i m the one who gon na pay back the bank. i told them that i do not have {$9500.00} to pay them back. Last week i receive a mail from the bank stating that my account is closed that i need to pay them the full amount in one payment.
Company Response:
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an account with " MOR furniture for less '' that was paid off in full in XXXX. The payment posted to the account on XX/XX/XX/XX/XXXX and the account now has aXX/XX/XXXX balance. As of XX/XX/ MOR is still reporting a balance of {$3200.00} owed to all three credit bureaus. The account is PAID OFF, and has a {$0.00} balance. I have attempted to contact them to get them to report the accurate account balance to all three bureaus but have been unsuccessful.
Company Response:
State: CA
Zip: 92123
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
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 REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I'd like to report a complaint against TD Retail Services for mishandling the repeated requests I made to resolve late payment issues that has resulted in multiple delinquencies on my credit report. I purchased XXXX phone in early 2019 on a XXXX which I arranged to pay via Autopay from my TD checking a/c. First few payments went ok with no issues, and then auto payments stopped without my notice. A month I received a strange letter stating that my payment was due. The letter was strange because it was not on a good quality paper, and had no logo or credentials on it. So I ignored it, until i started getting recurrent letters in my mail every week. I contact TD customer service and told them the issue I was having, the TD agent asked me email her a copy of this letter. I was put on hold, and the agent said that this letter definitely looks like some kind of shady scam, so she asked me to ignore these letters, so I did. 4 month later I had collected so many of these letters that it worried me and called up the number of that letter but got no response. Then I called TD but got no resolution. Few weeks later, I received a voice mail asking me to pay {$440.00} else they will send me to collections. At that point I had no choice but to pay in order to avoid a ding on my credit score. I called TD bank and requested for explanations repeatedly, but got no response. I emailed to TD executives multiple times but they never bothered to respond to me. Then, I filed a complaint to TD Ombudsman and i got a response. The TD Customer Care Advocate III responsible investigated my complaint, which I now call very superficially and told me that all my claims are baseless and that TD is not at fault but I am, for ignoring those letters. When asked to look into the conversation record, my request was outrightly denied and upon further pressing, the same TD employee told me no such phone record exist and thats when she stopped responding. Coming from TD 's President 's office employee that " no record of such conversation exists '' is a complete lie. I have paid {$440.00} as late fee and my credit report is affected because of irresponsible and ignorant actions of one TD customer care agent. I have no trust left in TD Bank and any of its services and all I care for is to get get reimbursed {$440.00} so I can close all my ties with TD Bank. Employees from TD President 's Office have shown nothing but arrogance and power to overrule my complaint. I regret being associated with such horrible bank service and hereby request your office to kindly intervene and help me get a justified resolution to mycase. Any help from your office will be greatly appreciated.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Last month I contacted Nordstrom regarding a late fee charge. I was told that the charge would be reversed. Which was a relief because I am on a strict budget. When I made my payment this month on XX/XX/XXXX, I was told that the fee still hadn't been refunded and I should only make the minimum payment, which was {$44.00}. So I made that payment on time. I thought the situation was worked out. However, this morning I received a call from Nordstrom stating that I owed more money due to the previous late fee charge. I explained that the fee was reversed and the customer service representative said no I still owed more money, which does not make sense. I went back and forth and finally decided to pay the amount of {$27.00}. Before we ended the call the representative said I was going to be charged AGAIN charged for a late fee. I didn't understand and he did not completely explain what happened. He said my new minimum payment would be {$80.00} next month. He said the charge " jumps '' up automatically when I am late. However, I was not late and I feel that Nordstrom Credit Card services is acting in a predatory manner towards me.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I just logged into my XXXX account only to find that I had an inquiry from TD Bank from XX/XX/2020. I have never applied for a credit card with them and I live in a state that they are not known so unsure where they are coming from with this inquiry
Company Response:
State: ND
Zip: 58104
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a check on the XX/XX/2020 in the amount of {$9200.00}. I was told that checks generally take 2-3 business days to clear. I was expecting that funds would be available in my checking account on XX/XX/2020. I called the bank to ask why there was a delay. They told me on the phone that there was a fraud alert and my check would take additional days to clear. The agent told me that the check would clear on the XX/XX/2020. I don't have any history with this bank and the check was a local check from a well know firm in XXXX which they could have verified on the same day. When I told the bank that I needed funds to make a payment they now said that I needed to come to the branch again to get the check verified. I don't want to believe that I was profiled by this bank but i have had experiences in the past where I have been profiled due to my name, race and/or ethnicity. The people I spoke to from the branch were very rude and unprofessional. I am requesting that any overdraft fees be waived as the bank made a purposeful decision to not clear my funds even after I made a request.
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I'm writing to you to bring to your attention our recent experience with the TD Bank XXXX team. I have been a loyal customeralong with my wife and son. We have been banking with Td bank for close to two decades. We have had a mortgagewith TD bank for the last 5-6 years for our apartment in XXXX and when the interestrates started dropping earlier this year, we decided to refinance our Loan for a 2.65 fixed Apr. We started the refinancingprocess in XXXX and right away noticed things are moving on a slower pace but did acknowledgethe fact that everyone is working fromhome etc due to the pandemic. We had submitted all the paperwork requested by the team by XXXX and more paperwork was requested saying that some of our income cant be used towards the refinancing. During this time the loan officers called us serval times and asked us to do a loan modification to lower our rates to 3.5. I told them I dont want to take that offer as I wanted to refinance and lower our rates from 4.5 to 3.65 and wanted to change it to a 15 year fixed instead of 30 year. Soon I got another call from the back office and the underwriter pretty much tried to convince me to take the loan modification deal for 3.5. I said Im not interested. I cant tell you how many times he pressured me to take that deal. Few days after we were told that we're not making enough money to support the refinancing. So we decided to add my wife 's father as a co-signer. This was also a time we decided to go to the XXXX for a month-long trip to escape from Covid. I told the TD XXXX about the trip and told them how important it is for us to wrap this up while we are in XXXX. To our disappointment the TD XXXX XXXX took their time and missed a few of the appointments we made for them to talk to my father-in-law, and everything else followed for that matter. To make the long story short we were at the XXXX for almost a month and a half and TD XXXX dragged everything out. During this time I kept calling and emailing all the members and telling them how important it is to wrap this up when we are at the father in law. Unfortunately nothing happened and once we got back to New York, I started getting emails regarding what paperwork we needed from our father in law. This was a time my father in law had an accident and he was unable to send any paperwork. TD bank XXXX took this as an opportunity and told us to take the loan modification deal and we didnt have any other option but to agree to it. I received a letter for the loan modification in XXXX where it stated that our new monthly payment of principal and interestwill be XXXX from XX/XX/2020. Upon reviewing our online account on XX/XX/XXXX I noticed we were charged XXXX. I emailed the Mortgage team right away and they responded back saying they will reach out to the back office and rectify the error. I haven't heard from the mortgage team since then and i have been emailing and calling them every week. The whole process has been very very disappointing and I hate to say this but def has made me and my wife rethink our path forward with TD bank. If the TD XXXX XXXX had acted in a timely manner we would have successfullyrefinanced our home for 2.65 fixed APR.I have all the emails to support my claim. I hope your team will do what is necessary to have TD bank XXXX XXXX rectify this from their part and offer us the lowest refinance rate and lock us in for a 15 year loan. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was concurrently working with TD Mortgage on two separate mortgage applications. One for XXXX XXXX XXXX, XXXX, NJ XXXX and the other one for XXXX XXXX XXXX XXXX, NJ XXXX. For the XXXX XXXX property, I received the clear to close, closing disclosures, and the closing date was supposed to take place on XX/XX/2020. After all parties finalized the paperwork, and after I have taken out the certified check from TD Bank getting ready to close on the next day. TD Bank loan officer gave me a call late afternoon on XX/XX/2020 stating that my application is " being denied due to concerns involving a previous account relationship ( s ) you had with the Bank that resulted in the Bank terminating that relationship. I have since reached out to the TD 's branch manager and the relationship manager, but neither of them was able to provide with me any indication on what was going on, aside from the fact that TD Bank has decided to demarket my account and terminating relationship with me as a customer. Due to TD 's gross negligence and bad faith dealing, I have lost substantial amount of money on these two properties ( i.e. appraisal fee, credit fee, attorney fee, inspection fee, title fee, e.g. ). TD Bank has not been transparent with its process. I was not able to amend the transaction with the seller due to TD 's inability to perform notwithstanding it has already given the commitment for me to close the loan.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A