Date Received: 2020-10-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Following the Nordstrom promotional promise of {$40.00} statement credit just for opening a credit card account, I applied for this credit card. When the credit card arrived, I had called them on XX/XX/2020 at XXXX XXXX, and their representative XXXX confirmed this statement credit promise of {$40.00}, so I started using this card. However, when the card statement arrived, there was no statement credit. So I called them again on XX/XX/2020 at XXXX XXXX, but their representative XXXX refused to fulfill their promise of the {$40.00} statement credit.
Company Response:
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
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 see multiple 30 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: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Over the past few months, I have made extra payments on my mortgage by including extra money with my monthly payment. Normally, when I would send extra money with a monthly payment, any money above my minimum payment would be applied to principle. In XX/XX/2020, I sent extra money, but this time it was used to make three minimum payments instead of going toward principle ( thus keeping my principle balance higher and forcing me to pay more interest ). This is also keeping my balance above the threshold at which I qualify to have my private mortgage insurance canceled. If all my funds had been applied to principle how I intended, my balance is low enough that my PMI should be canceled and the premium removed from my minimum payment. On XX/XX/2020, I sent a letter to the error department at TD Bank. I have only received confirmation of receipt, but the error remains. I called in XX/XX/2020 and the person on the phone assured me it would be taken care of. The error still remains. I should not have to pay any more PMI premiums. TD Bank is engaging in the practice of misapplying my payments to make me pay more interest and to keep me paying my PMI premium.
Company Response:
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: PROBLEM WITH TDBANK, I own a home valued at XXXX,, wanted to refinance at lower rate and only XXXX,, quoted 2.75 percent and XXXX points,,, started process XX/XX/XXXX,, everything faxed and refaxed multiple times,, no one reported for a period of time what was missing, then when they requested materia it was sent and resent. spoke to superiors multiple times,, closing was suppose to be XXXX XXXX,, on XX/XX/XXXX they extended closing to XX/XX/XXXX and raised the points to XXXX,,, the closing delay was their issue and only there issues.. trying or last 48 hours to go back to XXXX points but no response.. looks like they will wait to XX/XX/XXXX and raise the points again.. worse part is my personal and business account is with TD BANK,,, they are poor to respond and report what is missing and then appear to misplace it,,, i dont know what else to do, i have spoken to anyone reachable at TD BANK without any satisfaction. please help
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I can't Nordstrom to let them know due to the pandemic covid 19 I might be late on some payments they told me they wouldn't be reporting late payments and I still got late payments I called them back and told me to call the credit bureau to take them off for me
Company Response:
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: td bank XXXX XXXX XXXX..I 'm apply online td bank XXXX credit I'm working this bank almost 3 years I'm proof all personal information bank account documents salary documents I'm sent td personalfitloans.com and they don't accept my credit
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
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: There is an inquiry on my report that i did not authorize nor was credit granted. i submitted a letter to the bureau 's to investigate and to show me how they got their information because I never granted anyone permission to do so. there was no response. The inquiry is still on my report. td bank XXXX
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am the owner and operator of a former business, XXXX XXXX XXXX, and we have our bank account with TD Bank. Due to COVID-19, the business has been closed. As a result, I have made multiple requests to TD Bank to close our bank account and have the remaning funds returned to me ( my investment, and I opened the account originally ). They informed me that I must come to a branch in person to close the account, which I am unable to do due to health reasons and concerns around COVID-19. TD Bank 's customer service has continually refused to close my account, demanding that I come into a branch. There is a global pandemic happening, and certain people are at a high-risk. The XXXX has specifically recommended that high-risk individuals avoid public areas/gatherings, and TD Bank has refused to accommodate this. I have contacted the local news stations as well, including XXXX and XXXX XXXX, to broaden the story of TD Bank 's refusal to close bank accounts and making it extremely difficult to retrieve your funds. I am actively in discussions with reporters on this story and they are performing further due diligence. During a global pandemic, TD Bank 's behavior is borderline criminal and should be investigated by the CFPB.
Company Response:
State: NJ
Zip: 084XX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020 I received a certified check to deposit {$4400.00}. XXXX. TD bank credit my account on XX/XX/2020. The person who sent the check requested a XXXX transaction for {$1000.00} and then another transaction for {$1500.00}. The bank confirmed the funds was available for use but I realized it was a counterfeit certified check and I notified my bank on XX/XX/2020. The fraud department froze my account and said the funds was pending. But the bank went ahead and sent both of the transactions out even though the second transaction was to be sent on Monday, XX/XX/2020. The bank should immediately notify me that the check was counterfeit and why did they make the funds available for me and I called the same day that the funds sent was a scam. The bank still went ahead with the pending transaction
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX TD BANK USA/TARGET C -- XX/XX/XXXX XXXX TARGET/ID -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX/XXXX -- XX/XX/XXXX XXXX XXXX XXXXXXXX -- XX/XX/XXXX
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A