Date Received: 2020-07-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: five times already I have spoken to the bank on the phone and in person at the local location and it took 10 hours total and I'm trying to close this account. Every week they either freeze my account or disappears and my debit card doesn't work. I have tried in person and on phone so many times to fix this and I want my account closed and I don't want any fees assessed my account being this is my first month and my {$3.00} balance refunded back to me.
Company Response:
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2020-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: contacted the company fraud department concerning the issue with the card. Explain to the fraud rep I didnt make the charge. The rep was aggrevated until I asked where was the charges made and she told me I looked up the charge and it was made over 150 miles away from my home. Rep then got up set and said well thats not far and we will dispute the charge but we will not send you another card I asked why is that and she said its the procedure and I asked where in the card memeber agreement is that and she said I cant give you the exact place. I didnt make the charge on my account please dispute and send me my card please. This card is also reporting late on my credit report they have XXXX in late fees and interest charges I didnt make
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I returned two items to Nordstrom via USPS on XX/XX/XXXX, tracking for the returned item/package states it was received on XX/XX/XXXX. Through multiple contacts to Nordstrom chat and customer service line Ive been given different time frames for when my return will be processed. Its now been 34 consecutive days and 24 business days since I provided my return via usps, the FAQ section on the Nordstrom website states returns are proceed 10-14 business days, we are now 10 business days past the maximum business allotted to a return as per the FAQ section. On my Nordstrom card I keep receiving a charge of interest for this purchase when I do not have the item with me and I returned it once I received the return label. On XX/XX/XXXX I was told via a chat with the Nordstrom customer service that I should expect a return by Tuesday XX/XX/XXXX, it is now Tuesday XX/XX/XXXX and I place a call to Nordstrom customer service only to be told that only one item was returned and I should be receiving a gift card in the mail for it ( WHEN I PAID VIA A NORDSTROM CARD, I should be refunded in the method of which I paid ) and that the other item that was returned together, had not been processed and THIRTY days later they could still not tell me why. With a pandemic in place Im unsure where the logic of giving a gift card makes sense if I made a return because I didnt like the item and the item was approved for return because Nordstrom provided me a tracking label, that means I need my amount cash/credit paid returned as it was provided not at the choice and discretion of Nordstrom as they please. Im saddened by Nordstroms customer service and lack of communication between staff and towards the customer. I have not received any update on this return, not one email after I was sent the tracking number. And each time I call customer service each person I speak to is lost on the matter and does not understand why Ive been made to wait so long on a return.
Company Response:
State: FL
Zip: 33016
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/2020 I notice on my XXXX XXXX I have a new inquiry about an XXXX XXXX XXXX service. 100 % percent sure I have not applied for credit for any of their services I have contacted them over the phone. Their answer was clear nothing they can do since they have no records of this transaction. I called XXXX they instructed me this needs to be removed by XXXX XXXX XXXX. I'm a worker with very limited time and gave up. This week I have received the same credit inquiry type of transaction from a consumer credit for XXXX. I don't shop in XXXX been to the store 2 in my life and have mever applied for the supposed store credit card. This credit inquiries only show in XXXX not XXXX.
Company Response:
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XX/XX/XXXX @ XXXX XXXX, I made a deposit of {$1000.00} ( XXXX- {$20.00} ) at the inside ATM located at XXXX XXXX XXXX , XXXX XXXX , NJ - the transaction never completed correctly and I have the statement record # XXXX which clearly states this was a forced deposit record of {$100.00} instead of the {$1000.00} which I was trying to deposit and the machine did not return the {$900.00} back that it didn't deposit. I immediately called their XXXX XXXX XXXX XXXX and held on for an hour and then got disconnected, called again about XXXX XXXX - same result. XX/XX/XXXX - I called again on XX/XX/XXXX and filed a complaint I was told I would receive a provisional credit in 1-2 days while TD investigated, I checked my account again on XX/XX/XXXX and to my dismay the credit was not there so I called the above number again to be told the credit takes 7-10 days to show up and again - that never happened. I called the branch on XX/XX/XXXX and spoke to XXXX who told me " they didn't have any record of a problem with their inside ATM on XX/XX/XXXX and I would have to file a complaint '' which had already been done. The reason for my call directly to the bank on XX/XX/XXXX, because I felt I could get this matter resolved since this is where I opened all of my accounts years ago. I am greatly disappointed in how TD has handled this account without reaching out to me to find out what happened or show any concern for my additional {$900.00} getting credited to my account. I thought when whomever checked that ATM that evening or the following morning they would have seen there was an issue and would have attempted to resolve my issue but instead on XX/XX/XXXX, I received a letter from TD stating my claim was denied for the refund of {$900.00}. Note : I have also learned that TD does not give provisional credits for their ATM 's ( so it seems, I was getting the run around from the start ).
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened an account with T.D bank in XX/XX/2018! Which I deposited {$300.00} cash the day I opened the account. Before I could even use my account I was not able to use my card and when I called they told me to step into a branch and finally when I did it they said they were going to call the department that was handling my account and that I had to wait for them to call me and they didnt have a number to give me to call them! So the manager assured me that she would get in contact me to resolve this issue. While this whole time they were charging my account for the monthly fees of {$25.00} which I was only able to see through my paper statements in the mail! So I was getting charged for a account that I didnt get to use and being charged for it monthly! Its been almost 2 years since I first started this account! To this day XXXX still can not get an answer nor can I access my {$300.00} cash that I deposited into the account when I opened it so every month I keep getting charged for my account! Im not sure about you but I cant afford to spend {$300.00} and get ripped off by a big shot bank like T.D bank! Why I am being treated like I did something wrong! I have never been through something like this before I have never put my money into an account and not be able to access the money! Especially when they are charging me {$25.00} a month! So my {$300.00} just disappears and Im left with no explanation of how they can just take my money when I am an United States citizen and I have rights! I want all of my money back and I wont write a review telling their Customers how they treat people who dont have a lot of money! Or how they wont even acknowledge that they have my {$300.00}! They shouldve at least given my money back seeing that I wasnt able to use my account at all! This is ridiculous and I dont have any money that is extra to give criminals like T.D bank.
Company Response:
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Nordstrom account was settled and paid in full in XXXX of 2020. Today I recieved a charge off on my credit report.
Company Response:
State: MO
Zip: 647XX
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: seocnd time i called today and was cut off i want to dispute a XXXX dollar charge to XXXX XXXX from XXXX we got sick no one will help me XXXX has not responded. please dispute. we all got sick food bad. unemployed now 4 months dont need more stress. there is also supposed to be a credit of about XXXX dollars from XXXX i will be watching for. please dispute XXXX dollars from XXXX
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing in dispute of inaccurate charges that have been added to my account # XXXX. I had called ( not an online purchase ) XXXX on XX/XX/20 and purchased a XXXX exercise bike. I was told that if I was not happy with the bike for any reason within 30 days I could return it for a full refund. I received the bike several weeks later and although I was told it would be delivered and setup, a large box was left at my garage door for me to assemble. I spent hours ( yes, LITERALLY hours over the course of four phone calls. I have phone records to prove it ) on the phone to rectify the shipping issue. It was after four phone calls that I was issued a refund ( {$100.00} ) for the delivery charge. I proceeded to use the bike for about a week. At this time I decided that I was not happy with the product and called to arrange a return/refund. That call was not successful since I was bounced around to several departments and ultimately disconnected after 47 minutes. I then called back and when I finally reached a customer service representative I was told that the returns were handled by a different department. This time I was sent to voicemail where I left a message and eagerly awaited the return call. I did not receive a call that day nor the next and I proceeded to call again. I finally was in contact with someone from the proper department and when I explained that I wanted to return the bike, it was no problem except the company that picks up the returned equipment was extremely backed up and it would take a few weeks to pickup the bike but the return was entered into the system. After three weeks of waiting with no phone call, I decided to call back and check on the return. It was at this time that I was informed that they are still delayed in picking up the equipment and that there was a {$250.00} shipping charge to return the bike. I had informed the representative that I was never told about a return delivery charge when I purchased on the phone and had I been told of such, I never would have purchased the bike in the first place. Upon my request, the representative attempted to transfer me to a manager and I was disconnected. At this point I was not spending another 45 minutes on the phone. A few days later I received a letter from XXXX XXXX stating that I had missed payments, accrued late charges and this negative information was going to be reported to the credit bureaus. I called XXXX XXXX and explained the situation to a customer service representative. She assured me that the late fee would be waived and sent out a dispute form to file an investigation. I mailed out the form on XX/XX/XXXX and they received it on XX/XX/XXXX. I know this because I mailed it with USPS Delivery Confirmation # XXXX In addition, I was told by the representative on the phone that once a dispute is filed all charges ( late & interest ) as well as payments are frozen while the investigation takes place. On Wednesday, XX/XX/XXXX I received another strongly worded letter from XXXX XXXX about missed payments. I woke up on Thursday, XX/XX/XXXX to a notification from my credit monitoring service that they have reported it to XXXX and dropped my score 39 points. I was extremely irate and called them to explain the situation and demanded to speak to a manager/supervisor. I was told that I would receive a call back as they were not available at the moment. I never received a call and this morning ( Friday, XX/XX/XXXX ) I received another notification that they reported to XXXX and dropped that score 42 points. I am EXTREMELY upset with the lack of professionalism that I have received from both XXXX and TD Retail Card Services and would like assistance in rectifying this problem that could have been easily avoided.
Company Response:
State: NJ
Zip: 08724
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I followed TD Banks offer to open a new TD beyond checking account ( XX/XX/2020 ), for new customers and I followed their terms, to be a new customer and receive direct deposits of {$2500.00} or more within 60 days of opening the account. I have had 4 statements now ( about four months since I opened the account ). I called first my local branch and they told me to just be patient, very rude and not helpful. Then about 2 weeks later I called customer service and they first told me I was not eligible and just danced around with excuses for why I would not get the bonus. Then I asked for a manager, XXXX came on the phone and said YES I was eligible they just had to contact the promotions department. At this point I was over 1 hour into this on the phone waiting and talking to people. She finally came back reassured me that I will be getting the bonus. One week later and still nothing. I called again today, I was on hold again for about 30 minutes and could not even reach anyone. What person can spend this much time trying to get what they were promised? This is obviously FRAUD and they should be investigated, I want them to keep up their end of the offer, I should not have to even call once, this should be automatic, instead I believe they do this on purpose because who can spend hours on the phone hunting them down, most people would give up. I won't however!
Company Response:
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2020-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A