Date Received: 2020-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted XXXX about incorrect information on my credit report and they have not answered. They are still reporting incorrect information.
Company Response:
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Request investigation into why Nordstrom is not waiving late fees due to hardship on account of covid 19. The company is also not removing the charge off on the credit score. I have paid two installments of {$120.00} and {$130.00} with considerable difficulty of which only {$160.00} is the amount for purchases made in 2018. The company had the wrong address - they had XXXX XXXXXXXX XXXX on their files instead of XXXX XXXXXXXX XXXX. Any mail never reached the address. The company never called to initiate a payment plan. Secondly, a credit card application was never processed and I have not received any mail again from the company as to its status. Due to Covid, my financial situation is extremely precarious and the interest that has been added on account of an error on part of the company can not be allowed during covid when even banks have been given regulatory orders to remove payments that increase burdens on consumers. I would also like my card application to be processed in a timely manner.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020 I received a telephone call ( on my home phone ) from XXXX, indicating that a fraudulent purchase was made on my XXXX account for an XXXX. I indicated that I did not make any purchase. The person indicated that in order to refund my " purchase '' I would need to give him some information to be sent to the Billing Dept. While on the phone, I looked at my account through my mobile app ( cell phone ) to see if any charges were made. I did not see any and as I was closing my account he started to tell me what to do in my account. He proceeded to say that my account was frozen and he needed me to transfer money in order to get my money back. I immediately closed my account app and told him the information was incorrect. I hung up the phone. I called TD bank to ask about any charges and if my account was frozen. I spoke to XXXX who told me my account was fine. I explained to her of some seemingly fraudulent activity and asked if she can put a hold on my account for a charge as explained to me for an XXXX. I asked if a note could be made to link to my account. Worried, I even called back to TD Bank and spoke to XXXX explaining this activity and to note it on the account. Unfortunately, I did not get last names but spoke to 2 representatives about this concern, This man called me back and asked me again to provide him with information and I did not take his call. A charge was made to a XXXX account XXXX XXXX, XXXX, for {$500.00}. I did not authorize this charge and my bank has denied my claim. I do not use XXXX nor do I have any friends that use it. I do not know a XXXX XXXX. The next day XXXX XX/XX/2020 ) I looked in my account app and a charge of {$500.00} was paid to this person in AZ. Although I asked for my account to reflect this fraudulent activity my bank did not make any effort to stop this payment. On XX/XX/2020 I received a letter from TD Bank denying my claim of fraudulent activity. They advised me to file a police report. I am reaching out to you because I do not feel protected by my bank as it seems that this incident should raise a red flag because I have never used XXXX and my bank should know this.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called in to TD Bank on end of XX/XX/2020 to explain my hardship i have to pay because i'm affected financially by XXXX, they agreed and put me on a hardship program nad made with me a payment plan, bank also told me i have more time to pay it later and start to make payments on XXXX, and so i did i start to make payment on XXXX the balance agreed, but when i checked my credit report i see that TD reported me 30 day late on XXXX of 20202, and recording the CARES ACT if company Agrees to delay payment because of XXXX They not allowed to report me late.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRAS. On XX/XX/2020, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Company Response:
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: TD Bank is my Bank and has been causing issues all through the pandemic. I continually had to call to have fees that were taken out put back into my account. The bank claims I was under {$100.00} so they charged me {$15.00}. The account was not under {$100.00} ever during the month of XXXX. Regardless, there is a pandemic still in XXXX and most of TD banks are not open. Those that are have waiting lines of 150+. Therefore Governor XXXX also explained that these additional fees should not be taken at this special time. I would like my funds returned and for the bank to stop these unethical practices.
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Last week my husband was booking a beach vacation for 3 days for our family. The person scammed us by asking for payment via XXXX and then disappeared. The amount was {$860.00} and we contacted the bank and they said we authorized the transaction and are unable to do anything for us. This is considered fraud and TD bank should refund the money. Please help us. Thank you, XXXX XXXX
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I had received a package first class, in the mail, the next day. After making a checking account with little to no funds in my bank account. What was in the package surprises me, checks! Three solid books of checks. I am XXXX XXXX in debt and broke and needed checks? Especially when covid-19 took my job, my rent payment, electric bill payment and poverty stickered me sick. I had no choice but to bounce and fraud checks with banks and stores to get by. I needed to eat, maintain a level of health and hygiene and keep up on day to day living. Now I didn't ask for blank checks at all or any form of check but three. I am so broke i needed to write checks to myself. Please help.
Company Response:
State: NH
Zip: 031XX
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XX/XX/20 I applied for a personal line of credit from TD Bank XXXX XXXX XXXX, XXXX, Ma for $ XXXX. I have a $ XXXX personal line of credit which is paid off and I was going to close. I called XXXX at the branch on XX/XX/20 and he said my application was denied without a reason. I called XXXX at the Loan department and she gave the following reasons : 1. The Term was not requested ; 2. Insufficient Credit ( that I dont have previous unsecured loan ) ; 3. Have product already. 1. I explained to XXXX that the new employee taking my application did not ask me for a Term and XXXX said that I did not need a term for a PLOC ; 2. I explained that I have relationship with the TD with a $ XXXX PLOC and that 3. I was planning on closing the $ XXXX PLOC. I asked what my credit score was and she said she could not see it but when I called XXXX back he said it was XXXX. XX/XX/20, I received the denial letter from TD and it states the following reason No Credit File/History and your credit score : XXXX. My current credit scores are : XXXX : XXXX ; XXXX : XXXX and XXXX : XXXX. I do not understand and I feel that I am being discriminated against and I will be filing a discriminating claim with MCAD and Massachusetts Attorney Generals Office. Thank you.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To Whom It May Concern, This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my current ability to receive credit, and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which list the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are itemsI wish to dispute on my credit report : XXXX XXXX XXXX ( Late Payments on the REPORT Must be removed ) Accnt # XXXX XXXX XXXX XXXX Nordstrom/TD Bank USA ( Late payment must be removed, this was paid on time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Late payment must be removed, this was paid on time ) Accnt # XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all the relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX New York XXXX
Company Response:
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A