Date Received: 2020-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a nordstrom account. I never had one. I do not know how this happened or why? I did not or have not applied for a Nordstrom credit card. I received a letter from XXXX XXXX XXXX Reference number XXXX Claiming I owe {$230.00}
Company Response:
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have an account with TD Retail Card Services that was opened in XX/XX/XXXX. I set up an automatic payment through my bank to pay the bill every month. Everything worked fine until XX/XX/XXXX, when the paper check my bank sent ( because TDRCS does not participate in electronic payments, which was not apparent to me at the time ) apparently was lost somewhere. I found this out because I got a Past Due notice in the mail in XXXX. I called the number, and was put on hold for over an hour. The first person transferred me to someone else and I was on hold again for >20 minutes. I couldn't stay on hold and called back the next day. The same thing happened three times until I finally talked to someone who said that I needed to pay the bill ( {$260.00} ) plus a late fee. I explained that the payment HAD been sent but was lost. A lot of back and forth happened, I told them that I would try to set up an electronic payment. I checked with the bank and found that I couldn't do that ( see above ) so I got in touch with TD again ( after more long holds ) and had them tell me which of two addresses on the Bill Pay page for them was the correct one. I was told, and verified by reading it back, that it was an address in XXXX NJ. I set up the payment process, paid the XXXX payment by phone including the late fee which I was told would be credited to my account balance, and thought it was taken care of. Then in XXXX I got ANOTHER past due payment plus late fee. More calls, more holds. I told the TDRCS customer service person that this was the second time and why are they not getting these payments? I went into my bank website and told them the address the check was sent to. They told me that was NOT the correct address and that it should have gone to XXXX SC. Well, thanks for giving me wrong information! They said I should send proof of payment from the bank that the payment was sent and that then they would have a supervisor take things further and that I would get a call. I faxed the proof of payment on XXXX. I got an email on XX/XX/XXXX saying that I had a past due payment that I had to take care of ( a generic email ). I called back and told them I needed to speak to a supervisor to get this resolved. I was transferred to the same customer service line that did NOT have a supervisor at it, but again they told me I would get a call. Someone identifying herself as a supervisor left a voice mail on XX/XX/XXXX ( while I was at work and could not answer my phone ) saying I should call back to the same collections number that started this whole thing. I have called three times since then, I get a person, I explain that they made the mistake of telling me the wrong address, I sent the payment, and I need to speak to a supervisor to get it rectified, and they transfer me to the SAME CS department that does nothing but put me on hold! I have been unable to get any further than this now after being on hold for 45 to > 60 minutes, trying at many times of day and evening. I have set up the automatic payments to the correct address but still have late fees outstanding that I can not talk to anyone about. I don't know if the payments that were made previously are totally lost or not. I have no idea what they are doing with my account and my credit rating right now, and I have no way to find out because I can't talk to anyone.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a credit card with XXXX XXXX. I authorized the card to be paid monthly from my XXXX XXXX account Unknown to me, XXXX transferred my credit card to TD Bank. I saw a charge on my XXXX account for XXXX from TD Bank on XX/XX/20. I went to XXXX and filled out a form to dispute it, as I did not knowingly have a credit card from TD Bank. It was reversed on XX/XX/20. On XX/XX/20, there was another automated withdrawal from TD Bank, this time for XXXX. I later found out that that amount included the previous amount of XXXX, plus XXXX charges and interest. I told XXXX not to accept any charges from TD Bank, and tried to dispute it, but XXXX said I had to come in in person to fill out a dispute form, which I didn't want to do because of COVID-19. On XX/XX/20 they decided to reverse it without me going in person to the bank, which I didn't realize until later. On XX/XX/20 I realized that the TD Bank credit card was actually the XXXX XXXX credit card, and that the charge was valid, and I immediately wrote a check # XXXX for {$6.00} which includes another {$1.00} in fees. I contacted TD and offered to not ask XXXX to reverse the charge if they would remove the XXXX fees and interest. They agreed, and sent me a check for {$3.00}. On XX/XX/20 TD again charged my account for {$5.00}, which XXXX reversed on XX/XX/20, because I had previously told them not to accept charges from TD Bank. I can provide a copy of the check cashed by TD Bank. ( 1 ) This mix-up was entirely TD Bank 's and XXXX XXXX 's fault. I was not informed that my XXXX XXXX credit card had been changed to a TD Bank credit card, so I did not recognize the automatic withdrawal from my XXXX XXXX checking account. Which is why I had the charge reversed. ( 2 ) I paid the entire amount via check # XXXX as soon as I discovered the problem, and TD Bank cashed the check. ( 3 ) TD Bank agreed not to charge me interest and fees as it was their fault for the mix-up. That's why they sent me a check for {$3.00}. ( 4 ) I paid the entire amount due of {$3.00}. However, if TD will agree to remove the negative mark on my credit report, I will pay the additional {$3.00} in interest / fees. Since XXXX XXXX did reverse the charge on XXXX because I had originally told them that a charge from TD Bank wasn't valid. Although I didn't know that XXXX would actually remove the charge without me going in person to fill out a dispute form, as they had said that they would not, but they apparently changed their policy due to COVID-19. Please note that this is COVID-19 related.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hi so I have been locked from my TD bank account a few days ago and have been locked for good, can't get the account back im done. But I can't get my money back, they are trying to figure out what is going on with an account that is only about a couple weeks old and want me to wait probably 30 days to get my money back actually most likely more. I have done research on this topic and have seen that TD is very slow with the responses and that they want you to forget about it pretty much until you actually give up. I can not do this right now we are in a pandemic I will not let someone hold my money for such a long time during these drastic situations and also close my account without warning completely out of nowhere. I have talked to many TD represenatives and even they haven't added much to my help at all, it's always in the hands of the investigation teams. The service I have received here has been ill and I will not wait so long for a check of money that should already be in my hands.
Company Response:
State: NY
Zip: 11720
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry from TD Auto Finance on XX/XX/19. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Company Response:
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I got a home equity line of credit with TDBank in XXXX, XXXX For well over a week, my attorney, real estate agent and myself have been promised a HELOC letter stating the payoff balance as I have sold my home and need to pay off the HELOC in order to close on the property. TDBank staff initially stated that I simply needed to stop by their lobby to get the letter - that was not accurate and they turned me away stating they would need a 1 day turnaround. After one day, we were informed that a 3 day turnaround was needed - that was not accurate and we were informed that a seven day turnaround was needed. After seven days, I still have no letter. I have been infromed that the rate lock is good only until today, XX/XX/2020. I am angry and frustrated and getting no response whatsoever from TD bank. Please help.
Company Response:
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Receive the loan XX/XX/XXXX into my account on XX/XX/XXXX try to make a withdrawal and was denied and told I was not able to use the funds because I was committing fraud straight up discrimination Each bank or credit union has its own rules as to when it will let you access money after you deposit a check, but federal law establishes the maximum length of time a bank or credit union can make you wait. Generally, if you deposit a check or checks for {$200.00} or less in person to a bank employee, you can access the full amount the next business day. If you deposit checks totaling more than {$200.00}, you can access {$200.00} the next business day, and the rest of the money the second business day. If your deposit is a certified check, a check from another account at your bank or credit union, or a check from the government, you can withdraw or use the full amount on the next business day if you make the deposit in person to a bank employee. If you make a check deposit at an ATM at your bank, you can withdraw or use the full amount on the second business day. Your bank or credit union has a cut-off time for what it considers the end of the business day. If you make a deposit after the cut-off time, the bank or credit union can treat your deposit as if it was made on the next business day. A bank or credit unions cut-off time for receiving deposits can be no earlier than XXXX XXXX. at physical locations and no earlier than noon at an ATM or elsewhere. The amount of time a bank or credit union holds funds you deposit by check is sometimes referred to as a deposit hold or check hold. Some banks or credit unions may make funds available more quickly than the law requires, and some may expedite funds availability for a fee. If you need the money from a particular check, you can ask the teller when the funds will become available. A receipt showing your deposit does not mean that the money is available for you to use. It may take longer for you to access your deposit for a few reasons : If you have a new account or if your account has been overdrawn too many times in the past six months ; If you make a deposit over {$5000.00} ; If you make a deposit at an ATM owned by someone other than your bank or credit union ; or If the bank or credit union reasonably believes the deposited check may be uncollectible. If you or your bank redeposit a check that has been returned unpaid
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made numerous payments to my credit card account at Nordstrom. They hold the money for funding for 14 days after the bank takes it out of my account. They say an online payment is like a check and requires 14 days to clear.
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2020, TD Bank opened a XXXX credit card in my name with a {$4200.00} credit limit. I never applied for a card, never used this card and never will use this card. I have tried to call XXXX XXXX ( TD Bank ) at least 20 times, have waited on hold over an hour each time, and ultimately disconnected the call due to no answer by the bank. The bank offers no other mode of communication ( mail, email, etc. ). The chat functionality on TD Bank 's website just shows no internet connection and does not work. Their level of consumer support is deplorable and I am wondering if they are taking the same approach as XXXX XXXX did in setting up accounts without a consumer application or knowledge. I need this account closed immediately and proper notations made to my XXXX.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To Whom It May Concern : I have been a customer of TD Bank for 25 years, although originally XXXX XXXX. I can say that the customer service and operations of the bank have gone completely down hill since XXXX was acquired by TD. I had a overdraft line of credit from TD Bank on my checking account, which I had for nearly 20 years. That account had fraud on the account, and needed to be closed. At that time, I was unable to use my overdraft line with my new account. I paid the balance down to {$4.00}, but was unable to pay the final balance online from my account as I have done for 20 years. Since I was unable to pay and I did not receive a payment due notice, I did not make a minimum payment, which would have been {$0.00} or less, based on the balance. This occurred in XXXX of this year, right as XXXX XXXX was becoming an issue and as bank branches were closing. I downloaded a credit report in XXXX due to a potential loan for a boat and realized there was a 60 day late payment on my account from TD Bank. I was not notified there was a payment due, the payment was late or they were adding late fees of {$5.00} per month on my account. I had significant funds in my other 6 TD accounts to be able to pay the balance, which I wasn't able to do through TD 's website or normal channels. I spoke to TD and on the phone, they were able to have the balance paid from my existing accounts in XXXX. They requested I send a letter, which I did, to dispute this from my credit report. In the prior 25 years, I had never made a late payment to XXXX Bank or XXXX bank on any of my loans. They responded with a from letter that the dispute was rejected. This negative payment, the only one on my credit report, is causing my credit score to be as much as XXXX points lower than it should be. It is causing me to have significantly higher on any loans I have applied for, including a recent RV, which caused my interest rate to be 8.5 % versus 5.99 %, meaning I would be paying an extra {$500.00} per month for no reason. I tried reaching TD Customer Service last week and spent 5 hours being bounced around, having my calls dropped and never being able to speak to the correct person to try and get this dispute resolved. I believe this both a violation of standards a bank should use in allowing customers to pay their bills, to notify them of potential violations before it would affect their credit or using common sense to avoid an issue with a 20 year client. I am hopeful the CFPB can at least get me to speak to someone at TD Bank to get this resolved.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A