Date Received: 2020-01-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I began the banking day with a positive balance of {$450.00} before the banking day began there were 4 transactions that were presented on my account 1. ) for XXXX 2. ) for XXXX 3. ) for XXXX and 4. ) for XXXX. The bank decided to pay all four charges. The total for the first 3 transactions is XXXX. The way in which these transactions were processed on my account it caused me to have 3 overdraft fees instead of 1 for just the XXXX transaction. The transactions were processed so that they caused the greatest overdraft. I spoke with the bank they gave not given me a specific answer as to how transactions are processed and in which order. I am told a overdraft fee is put on the account the moment when a account becomes overdrawn even if the transaction that causes the account to become overdrawn is only an authorization charge and not a final charge. I believe that overdraft fee should be assessed if a transaction post. I have even put money in my account before the fees were assessed and before the end of the banking day and still was charged a fee On another instance the bank also used a bank account maintenance fee to cause an overdraft when the fee itself is imposed on the account for banking with them.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/19 I got an alert from my XXXX credit card that I had a delinquent account reported from XXXX. Upon checking, I saw that my credit score decreased from XXXX to XXXX. The credit report stated that Nordstrom reported my Nordstrom credit card as delinquent for an {$84.00} balance. I was very shocked because I had set up an automatic payment on the due date, so I reasoned this was a mistake. On the same day, I called Nordstrom and asked them to report my account as current because I had set up payment for the due date of XX/XX/2019. They said the payment was returned to me but couldn't tell me why. I said I had no idea that my payment was returned, that I never got any statement or letter to notify me of the returned payment. If I received it, I surely would've paid on time because it was just {$84.00} and I have a very good credit score and history. I felt it was a violation of UDAAP, ( unfair, deceptive, act and practice ) because I never got a letter beforehand for the return, and after 60 days the account was reported delinquent. It is very unlikely I was trying to cheat the bill. Nordstrom ended up telling me to file a dispute with the credit agencies. I also paid the {$84.00} balance on the phone just so that my account would show as current again. Later I wrote a dispute to XXXX and XXXX explaining my situation and attached supporting documents that I had set up payment to pay on the due date, but the payment was returned to me. I explained that I never received a statement and letter and to report my credit as current as I had intended to pay it. Both credit agencies returned a decision back to me saying that my credit score was unchanged and therefore the credit file would still say my Nordstrom card was previously delinquent.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I shopped at Nordstrom rack on XX/XX/XXXX, and they asked if I wanted to use my CC on file that I had opened and never used in XXXX. They said I would receive a Nordstrom note. I agreed, and let them know that I did not have a card ; they said they would send a replacement and my statement. The alternative and comments were never received. I then left the country for the holidays in XXXX, while gone I did receive a statement, and I paid the amount in full the moment I arrived back home. Since then, I was reporting late the three credit reporting agencies, and it has lowered my score 80 points. I called Nordstrom Card Services and told them my erroneous circumstances, and they agreed to waive the late fees, but not report the errors to the credit reporting agencies. I asked for a letter stating that they rejected the charges, and they refused and told me I have to wait for my statement, which I will not receive in the mail until XX/XX/XXXX. I feel like there was an error with mailing my original card and statement and that they are unreasonable to remedy the issue. This is directly impacting my life and creating unnecessary hardships as I am in the process of refining my mortgage so that I can take money out and get a new furnace and water heater. Please help. I also asked to open a case with the executive resolution team so that I could submit my proof, and they were not willing. There address is as follows : Nordstrom Card Services XXXX XXXX XXXX XXXX CO XXXX Additionally, I asked for my account number/card number since I never received the card, and they said they could not provide over the phone. They did submit a replacement card, but that will take 7-10 business days. That is the reason, and I can not contain my account number with this complaint. I also have documents proving I was out of the country and can provide bank statements showing that I could pay the fee, and I did, pay in full, so there is a XXXX balance on the account. The reason I could not pay was due to not receiving the statement and then leaving out of the country. Please ask if you need those documents. Thank you, XXXX
Company Response:
State: WA
Zip: 98133
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made my monthly Target RedCard payment on XX/XX/2020, using the same checking account I have used to pay it every month since the account was opened. The payment cleared my checking account within one business day ( that is, on XX/XX/2020 ), and the payment was listed as posted on my online RedCard account with one business day as well. My available credit did not reflect the payment, but I assumed it was a fluke and thought it would update soon enough. On XX/XX/2020, I received my next month 's bill from RedCard which reflected the payment made XX/XX/XXXX, and showed my available credit as updated ; however, my online account did show this update to my available credit ( and an attempt to use my card at a Target store demonstrated that the online account was accurate - my available credit had not been updated ). I called Target RedCard ( on the day I received the next bill - XX/XX/XXXX ) and was given the run around. I was told my payment was being " held '' and could get no information on why it was being held or when the hold would be released. On XX/XX/2020, when my available credit still had not updated, I called Target RedCard a second time and received the same lack of information. My payment was still being " held '' with no information as to why or as to when it would be released. I have never experienced this before with any credit card company, and the fact that I received a bill reflecting my payment during this time when it's being " held '' is especially galling. I have tried to obtain a copy of the RedCard Cardholder 's Agreement to see their policy on arbitrary payment holds, and I have been unable to obtain one. You can only obtain one by requesting it online, and when I do so, I am told my zip code is invalid, and thus the request can not be completed ( I'm using the zip code on my Target RedCard bills ). I intend to keep the card just long enough to see this resloved, and then I intend to cancel it. Who wants 5 % off with a store-specific card when you can earn 5 % cash back with a non-store specific card AND your payment will be processed on time?!
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TD AUTO FINANCE Date XX/XX/2020 XXXX : VIN # [ XXXX ] To Whom It May Concern, This letter is a formal statement notifying the above party that the accounts under VIN # XXXX ] are disputed. Repossessed in the state of GA and sold by TD AUTO FINANCE Under the laws of GA and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this letter, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. A copy of this letter will be sent to the names listed. Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau : I am again appealing to your organization for the umpteenth time. I am being treated unfairly by TD Bank, N.A., TD Bank has illegally confused my account and now it shows me as being delinquent again. This is not true, it is a bank error as admitted by TD Bank themselves, they lie about providing proof of the error and they also claim that they have fixed the error and now they will not provide a letter stating that the problem has been fixed. When I inquire of the letter they simply reply that they need several signatures to approve my getting a letter showing proof that the problem has been corrected. This is a second complaint ( a new one ) against the same bank ( TD Bank ). I am being singled out as retaliation for filing a complaint against TD Bank in XX/XX/2018. And now they want to attack by confusing my account to make it appear that I am in default so that they can illegally take my home. Very truly your, XXXX XXXX
Company Response:
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I applied for and received a Target Red credit card in XX/XX/2019. I immediately signed up for payment due email alerts on my account through Target, and faithfully paid my balance in full for the next few months. I relied on the payment due email alert system. For some reason, I did not receive an alert in XX/XX/2019, and I thought nothing of it, assuming I didn't have a balance. Only in late XXXX when I logged into my account did I see that I had 2 late payment charges and interest that had accrued. I immediately called Target, paid my balance in full, and had those charges reversed. Unfortunately, Target has been no help correcting these late payment reports to the credit bureaus, even though it has been acknowledged that I did not receive the payment due alerts. I spoke with XXXX on XX/XX/2019 and he confirmed with XXXX in the Target Collections department that the payment due alerts were not sent to me. Before this incident, I had a credit score in the high 700s with ZERO missed or late payments, but overnight my score went down almost 100 points. I received a response from Target in the mail today, XX/XX/XXXX, that they investigated and found no issues. I also just got off the phone with a Target supervisor and she said she will submit my complaint again, but she wasn't optimistic that anything would change. Even if I am at fault for not keeping a closer eye on this Target card, I am supremely disappointed that it has been acknowledged that there was an issue with the payment due alert system and Target has refused to correct these late payment reports, even as a courtesy.
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my direct deposit was processed and should have been available XX/XX/XXXX at XXXX into my TD bank account. On that same date XX/XX/XXXX I had 3 payments come out of my account to be paid. I was told by the teller since their bank TD did not make my direct deposit available for XXXX that I was responsible for the over draft fees since they hit my account on the same date prior to TD bank making my direct deposit available I advised the teller my prior bank always made my direct deposit available at XXXX and what makes their bank different. This is not right at all.
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I bought furniture worth about 5K at XXXX and XXXX on 0 % APR, they went through TD bank and as I found out later, it was a credit card. I set up auto pay for these payments using TD bank online web portal in late XX/XX/XXXXor early XX/XX/2019 ( I am unclear about exact date ) to be paid directly from my XXXX XXXX XXXX Checking account. In XXXX I was contacted by TD bank stating that my XX/XX/XXXX payment was now 30-59 days late as auto pay does not get into effect until next month etc. I have since then paid off the full amount and have XX/XX/XXXXbalance. The late payment was reported to credit bureau and resulted in a XXXX point decrease in my credit score. It continues to be there and has had detrimental effect on the score. I feel that the following practices on the banks behalf contributed to this delay - delay in processing of payments. I had authorized payment to be made much before any due date yet it did not get processed. - Once the initial payment was missed I was not informed of this until 59 days later and at which point I immediately paid the account to bring it upto date. Earlier contact would have prevented this delay.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2020-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A