Date Received: 2020-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results
Company Response:
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: TD Bank - I have checking, savings and Christmas Club with them. Christmas Club account was automatically closed out for XXXX on XXXX XXXX, XXXX. I have not received check of {$1100.00} as of XX/XX/XXXX. I first called on XX/XX/XXXX and asked about the check and was told to wait 10 days. I next called on XX/XX/XXXX. In the conversation I was informed that the check was sent to an old address that was not changed by the bank in the summer of XXXX with the other 2 accounts. The representative told me I needed to go to my branch about getting a new check if they knew me ( really? ). I explained my bank is in XX/XX/XXXX and I am currently teaching in XXXX, XX/XX/XXXX. I was informed that only a branch may reissue the check and I had to call them. My branch has closed ; nearest branch is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX. I called on XX/XX/XXXX and finally was able to talk to the Assistant Bank Manager, XXXX XXXX XXXX # XXXX. She informed me that I had to fill out paper work and have it notarized about the " lost '' check -- and that the Christmas Club check could not be replaced for 90 days or XX/XX/XXXX. I told her this was unacceptable, that THEY sent the check to the wrong address and I needed the money for Christmas. The money was automatically transferred from my checking to the Christmas Club each month - the check in question is for {$1100.00}. She told me policy was 90 days to replace. I asked for the money to be put in my checking account but to no avail. I have the necessary paperwork from TD Bank for a " stop '' on the missing check but with the virus we have to make an appointment with a notary and then fax the copy to the bank and mail the original.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2020-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: on XX/XX/2020, I called the creditor Nordstrom to discuss options to pay off outstanding debt. A week later called back and accepted them terms and conditions and authorized a settlement payment that Nordstrom never excecuted. Months later I continues to see the outstanding debt so I called nordstrom only to find out they never completed the payoff and it was sent to collections. I called the collection company XXXX and settled to be paid, which cleared, and I received a born in full statement. Now Nordstrom is still reporting an outstanding amount containing to show not only a balance but a negative payment. I have paid this credit and attempted several times they unfair credit reporting behaiors has affected me with not be offered a job due to the unfair reporting business practice of Nordstrom.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: The following occurred On XX/XX/XXXX, my account balance went below {$100.00} On XX/XX/2020 I was charged {$15.00} for balance under {$100.00}. This is fine and I accept that. I then increased my balance to {$120.00} from XX/XX/XXXX onwards However, the {$15.00} maintenance fee on XX/XX/XXXX reduced my balance from {$100.00} to {$86.00} and triggered a different {$15.00} fee on XX/XX/XXXX. Thus the XXXX {$15.00} fee caused a second fee of {$15.00} in XXXX and in effect might be a violation of UDAAP or at the very least bad customer service.
Company Response:
State: NY
Zip: 11561
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This debt should not be reported on my credit, I believe since this debt is older then 7 years under FCRA should not be on my credit file please remove as soon as possible under the law.
Company Response:
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received phone call from Nordstrom credit services on XX/XX/2020, at XXXX ( pacific ) looking for my elderly mother. The phone number they called from is XXXX XXXX XXXX XXXX. This is not my debt. I have my own credit card and I am also an employee of this company. My credit card is PAID ON TIME. This is appalling they would attempt to use an employee to track down a family member. After everything we do for you?! Working during Covid without proper safety precautions or hazard pay?! You harass me to look for my mother? Im sure her attorney will reach out to you. This is not my problem.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open, any contract bearing my XXXX signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Today, XX/XX/2020 at XXXX PST I purchased one item at Target. When I got to the register, the cashier asked me if I had a rewards card with them and I said I think so, but I didn't find it in my purse. She asked if I wanted a new one and if so I can get a 5 % discount on my purchase today so I said ok. She took me over to the customer service and asked for my Driver 's license so I gave it to her. I asked would she have to run my credit for any reason and she said no, absolutely not! After the " application was complete she told me that I have a {$40.00} gift card I can use right now or later. I don't shop there much so I said I'll use it now! Then she handed me the receipt and told me to use this when I shop until my card comes in the mail! The receipt says I had a line of credit for {$500.00}! I was livid! I reminded her that she said she did not run my credit! She apologized and said she didn't know my credit would be ran! I explained that I did not want any credit at this time! I went home and called their customer service number immediately, in fact it was literally 49minutes after the purchase occurred! I spoke to XXXX in credit services and he said he can clos the credit account since it was done in error, but to reverse the hard inquiry could take up to 60 days! I asked to speak to his supervisor. Ms. XXXX said she can't do anything about that. I explained that I used to be in mortgage lending and we did " rapid rescores '' with credit bureaus all the time! I pleaded with her to call XXXX, with whom they ran my credit, especially since this a same day transaction that occurred literally an hour ago! She also said she could only give me corporate 's address, no means to contact them by phone our email! I am in the process of selling my home and i need to use financing to make large purchases right now! I can not wait 60 days for my FICO to return to it's glory!
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2020 {$3800.00} XXXX was transferred from XXXX XXXX XXXX checking ) to TD bank ( checking ). A review of my account on Monday XX/XX/2020 and observed the {$3800.00} in my checking account. On Tuesday XX/XX/2020 the {$3800.00} was removed from my account. Subsequent telephone calls with TD bank representatives indicated no transfer or a deposit of {$3800.00} was debited to my TD bank account. XXXX XXXX provided a transaction number and verified the TD bank account number. I have spent several days inquiring about this issue.
Company Response:
State: NC
Zip: 288XX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened 3TD bank accounts 2 of them still have the initial deposit being held and the other checking account, the funds were released to me and 15 minutes later there was a hold placed on my available balance and now I am back in the negative with my account balance
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A