Date Received: 2020-06-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: While investigating the reason as to why a hold was put on my active joint checking account, I discovered numerous unauthorized charges related to my closed individual accout. My wife and I were married in XX/XX/XXXX after which we opened a joint account. The problems related to this matter concern my individual account which had been closed prior to our marriage. Simply put, I was told by TD Bank that I can not dispute charges to a closed account or an open account after 60 days from the disputed charge. Nonetheless, this is not why I'm filing a compiant. I am quite sure there's some fine print in a some document that I signed upon opening my individual accout that absolves TD of any liability because the affomentioned criteria had not been met. My issue withn TD relates to their failure and lack of willingness to assist me in researching and tracking down the vendor ( s ) that fraudulently debited money from my account. Normally, when I notice a suspicioius charge on my statement there is enough information on the statement ( websight address/phone number ) that I can contact the vendor independantly and have the issue resolved. However, occasionally there has not been sufficiant info for me to research alone, and I have asked TD for their assitance. They have provided this service for me before, though I can not confirm whether or not I met the 60 day requierment at this time, and the bank established fraud and replenished all money back into my account. The problem now is that TD refuses to apply some discretion with regards to how they apply 60 day threshold rule. Is this an industry standard imposed on the banks by their regulators? I dont know the answer, but I do know that I consider the money taken from my account to be significant. This is especially true when one considers the fact that I owe arrears in child support ( thus the present hold on my account ), I am recieving unemployment/PUA benifits and that these subsidies are being garned by New York State Child Supporty Services. Additionally, my wife recently deposited her personal paycheck into our account and those funds are frozen as well. We presently have roughly {$3500.00} in the account that we have no access to. This is frustrating to say the least. This frustration could be alleviated with some cooperation from TD. At best they could wave the 60 day deadline on contested charges or at least assit me in tracking down the vendors. My last conversation with TD was on XX/XX/XXXX at XXXX with a supervisor named XXXX ( I asked for an employee ID number but she told me to cite the date and time of our conversation ), who advised me that all infomation that I neeed to contact the vendors in question was on my statement. The charges in question took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In total they tally too {$2600.00}. They involve two vendors okshopservice and XXXX XXXX. In researching okshopservice, I find that the websight server can not be found and the telephone number leads to an auto message staing that the " call can not not be completed at this time please check the number and dial again ''. When I research XXXX on the web I'm taken to a site sponcered by XXXX. The following qoute is from their website : What is XXXX XXXX is a hosting control panel with simple and secure web server, website and web apps management tools. It is specially designed to help web professionals manage web, DNS, mail and other services through a comprehensive and user-friendly GUI. XXXX is about intelligently managing servers, apps, websites and hosting businesses, on both traditional and cloud hosting. My research led me to call TD one last time requesting more detailed vendor information which resulted in my fruitless conversation with the supervisor XXXX. I have attached statements from my closed individual checking account for your review. I am at a dead end here and would appreciate any assistance you could provide to resolve this matter. Regards, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The information about late payments is incorrect.
Company Response:
State: TX
Zip: 77904
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have previously written many notices to the company as well as submitted my police report that my identity was stolen. I have never spoken to the disputes department nor received any information as to why the charges on the account were not disputed. I have disputed the charges on the account and the Law states that they should be investigated. Nordstroms has never contacted me regarding the fraudulent charges made on this account. I have sent many letters as well as phone calls. They continue to report to the credit bureaus saying the account is charged off but how can you charge off an account where I did not make any of these charges. I want the charges reviewed and investigated as I have stated in the past. I want to speak to someone at corporate regarding this account
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
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 have communication problems with target red card and the issuer of the card TD bank, as i seek help from both and I end up paying XXXX and I feel like the way they said they need to justify the fraud on my expense, first let me tell you as I do my best to write as cohesive as I can I might have tons of run on sentence and Im totally depressed due to the fact that target falsely reported me to credit agencies while Im trying to get help from them and in XXXX their employees told me twice that I dont need to make payment as my account under investigation well so much for that. Any way I didnt get help after the fraud was resolved but left extremely slapping account to the point made me dizzy cant understand I made purchases on XX/XX/XXXX XXXX and returned immediately as the store manager helped me to return and repurchase XXXX for Excat stuff, well when finally got hold of fraud department speaking with XXXX XXXX the fraud happened on I believe XX/XX/XXXX for XXXX and o e in XXXX in XXXX that I wasnt aver of so the fraud got fixed but she left such chaos that what ever I returned she put it back several times as purchased and returned and refused to fix target answer was they have to justify the adjustment on my expense and Im pretty much screwed said XXXX target employee and I reached out to TD bank via XXXX cause I wasnt getting help that too give me phone number that I stayed on hold several times over 1:45 or could be 2 hours I send screen shot no response no help but they wore fast to reporting me as 30 days late non payment when their own employees twice twice in XXXX told me no worries ur account its under investigation target its cheat and fraud refuse to help and they always have problems with their return cash register with receipt or on the target red card they ask for driver license and keep you accountable oh you max ur return how so when I have receipt or its on my card oh its not coming up always they have problems abusing my information hopefully someone here can hear me out over decade of being target red cardholder never been late ever and all of the sudden since they refuse to help and falsely reporting me to credit agencies. Greatly appreciate your prompt attention to this matter. Thank you. XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Target closed my account for having two NSF payments on my account.My authorized user made these two payments from my account and said that he had sufficient funds in his account. We are both unemployed due to COVID-19 and made the payment under the assumption that the unemployment check would be in the account on Monday but it was not there until Wednesday. The transaction was remedied within two days and the account was paid in full. Target closed the account after it was paid in full citing insufficient fees as the rationale behind the closure.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2020-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new saving account with TD Bank on XX/XX/XXXX. At the time, TD bank was running a {$200.00} promotion, and the requirements were 1 ) deposit {$20000.00} or more in new money within 20 days 2 ) maintain a balance of at least {$20000.00} for 90 days. I deposited {$20000.00} on XX/XX/XXXX and keep the balance till now ( XX/XX/XXXX ). It has been more than 150 day, I haven't received the bonus yet. I contacted the TD bank in XXXX and XXXX, the bank told me the case is under the review. TD bank never follow up with me. I have no idea why it take so long. Given that I hit a wall and tried to resolve the issue with the bank, I decided to file a CFPB complaint.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2020-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I couldnt pay my account in full in XXXX, so I called Nordstrom Visa to request for consideration to remove the monthly interest charges due to financial hardships brought about by the Covid-19 pandemic. I received a positive response to have it removed and made partial payments to my account. Unfortunately, I received a new statement with the interest charges still on my account with additional interest charge which gives a total of {$30.00} in interest charges alone. I called again on XX/XX/XXXX and was informed that Nordstrom Visa doesnt remove interest charges even on the basis of the Covid crisis.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I previously placed an extended fraud alert on my credit file with the three national credit bureaus because I was the victim of identity fraud. On XX/XX/2020 I applied online to purchase a new XXXX XXXX phone from XXXX. They redirected me to TD Bank 's website which handles their credit. I applied for credit with TD bank and was told to call a telephone number which I did. I spoke to a TD Bank representative who asked me a few questions and then indicated that my request for credit was denied and I would receive a letter in a few days. I received the letter around XX/XX/2020 and I am uploading it with this complaint. The letter indicated that I should call or apply online for another letter which would explain why my application was denied. I applied for this second letter ( the " denial reason letter '' ) both in writing via email and by calling the toll free number in the first letter. I did that on XX/XX/2020, the same day I received the first letter. I've called now at least four times and the representative keeps saying that they'll investigate and get back to me but I've never received any return call from them. I spoke to a supervisor who said that because of my extended fraud alert, they use some outside service, whose name she would not disclose to provide information that they use to determine whether or not to grant credit and that, based on the information from this secret outside service, they chose to deny credit. I believe that the information that this secret service provided falls under the definition of " consumer report '' as defined in 15 USC 1681a ( d ) ( 1 ) since it is information " bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility '' for personal credit. I believe, therefore, that this secret organization falls under the definition of " consumer reporting agency '' as defined in 15 USC 1681a ( f ). This secret organization obviously has incorrect information but I don't know who they are so I can't help them correct the misinformation. I believe that I am entitled to know who they are under 15 USC 1681m ( a ) ( 3 ) ( A ). In addition, I am entitled to receive the information required 15 USC 1681m ( b ) ( 2 ) ( A ) ( I ) if the secret organization is deemed by you not to be a consumer reporting agency. I have literally spent hours on the phone with TD Bank but no one will answer my questions or call me back.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Account was opened, while I was in XXXX ( which is XXXX ). This could not have been opened by me because it was no way I had access to phone, computer, etc.
Company Response:
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: After multiple attempts to resolve this issue. Td Bank/Target is repeatedly reporting an older account as a charge off. No collection attempts have been made and the reporter continues to post charge off ( CO ) notices.
Company Response:
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A