Date Received: 2023-09-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: On or approximately XX/XX/XXXX XXXX XXXX requested an indemnification letter to be sent to TD Bank to send back {$15000.00} stolen from my account. XXXX XXXX told me the process would take approximately 60 days. However TD Bank has not responded to the letter. Case number XXXX Thank you XXXX XXXX
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is still showing late payments on XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Company Response:
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or around XXXX someone stole my credit card and started making fraudulent transactions. I became aware of this in XXXX, and I notified TARGET/TD BANK N.A of this matter. They initially credited my account but soon after reversed the correction stating that I made payments to the card. They also said that they verified me through public records with my phone calling in to make those payments. I did not authorize or allow anyone to use my credit card. They also closed my card without reason stating that I did not make payments on these fraudulent transactions. the total of this fraudulent amount is {$7500.00} these transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. I filed a dispute with them on XX/XX/XXXX and then I followed up with an appeal on XX/XX/XXXX. They have since then closed my account and continue to charge interest on a balance that I did not create.
Company Response:
State: WI
Zip: 53206
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I received a letter on XX/XX/XXXX, stating my nordstrom credit card is closed at the end of XXXX. The letter states this is due to a low XXXX score. The score in the letter is not correct with XXXX. The Nordstrom credit card has been active since for XXXX yrs since XXXX in good standing and is not over the limit or behind on payments. The credit card company TD Bank issued a credit increase of {$2200.00} in XX/XX/XXXX without my request. I called the credit services phone number to ask why I wasnt notified of this information and to obtain information since I am also an employee of the company, Nordstrom, for which the card is for. I was told by at least 4 different individuals that the card was either closed or will be closed end of XX/XX/XXXX and they will not stop this process. They said I can reapply in a few months after Ive paid this card off, which is not behind on payments nor over the limit. No one at the company has heard of this tactic and this is not the credit terms adhered to or provided when I was issued the card. At no point in time did I receive a change in terms stating that my credit card which is in good standing could be closed without notice for any reason. The supervisor XXXX claims there is a XXXX threshold but states there is actually not a set number when I requested he provide this information to me as Ive been a cardholder for XXXX yrs and no such information has ever been disclosed in XXXX regarding this information. He claims they truly do not have set requirements to close the account and would not give me guidance on how to stop the closure of the card. They wanted me to just pay the card off. I have informed Nordstrom that I will no longer be working for them after they have closed my card which was under the limit and paid on time for XXXX yrs, which resulted in a {$2200.00} credit limit increase 9 months ago. This seems like a cash grab by my own employer.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I paid off this card in XXXX XXXX XXXX. Shortly after, in XXXXXXXX XXXX XXXX I've contacted them via both their messaging system on their website, and via their phone number to close this account. The last person I talked to on the phone stated that they had indeed closed my account back in XXXX of XXXX. I pulled my credit report on XX/XX/2023 and the account still shows as open. I contacted the company again and they simply dismissed my message with no resolution.
Company Response:
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Trouble during payment process
Subissue: Interest rate
Consumer Complaint: TD Bank Complaint Re : Loan XXXX XXXX XXXX In XX/XX/2020, I opened a new XXXX credit line with TD Bank upon refinancing of my house. I took advantage of the fact that at closing the rate was 2.99 %. Based on information that I was provided by Branch and Loan Officer at the TD Bank location at XXXX XXXX XXXX XXXX XXXX, FL XXXX I acted in good faith by entering into a XXXX loan. At the time of closing, I specifically asked the TD representatives in person ( Acting Branch XXXX ( as the XXXX XXXX branch was closed at the time ) and the Loan Officer ) what the rate would be for the for the term of the loan. Both TD Representatives informed me that the rate would be fixed at the date of withdrawal. I specifically inquired upon this point to ensure understanding before closing and withdrawal. Upon receiving this information shortly after I closed on the loan, I withdrew amounts totaling XXXX from my XXXX credit line. I was under the impression that the rate was 2.99 % for that amount at time of withdrawal based on the information provided by the TD agent at closing. I only noticed this a few months after the rates started to rise and visited the XXXX XXXX XXXX XXXX XXXX branch and rates were at 5 % at the time. They would not give me any relief on the situation, only the option to lock it at the much higher rate, which defeated the purpose of me withdrawing the money at the 2.99 % rate. XXXX XXXX also told me that rates would decline later this year, which is why I did not lock it at that time and in fact the rates have risen even higher since then. Granted I was dealing with multiple people during the closing because of irregularities from XXXX, I was conversing with multiple people at closing. My complaint against TD is as follows : Misrepresentation from two TD Bank Representatives of how rate is applied to withdrawals from the loan. I was told that the rate would be XXXX based on the day that I withdrew the money. I was not directed that the rate had to be fixed upon withdrawl No technology-based information or ability to lock in that rate as an option available within the TD Bank App, or TDbank.com website which I now believe to be intentional. My situation is troublesome to me and the bank has not given me any suitable options but to accept the higher rate which has led to a significant financial burden on myself. I would appreciate some restorative options to the rate of 2.99 % as I was given incorrect information regarding procedures for withdrawals from this XXXX Credit line. Im raising the below complaint for your support in helping to seek a resolution. I received a call today from the XXXX regarding the below complaint and did not receive any feedback from the complaint itself. It was only proposed additional options to fix a rate at a much higher cost. My specific concern regarding this situation is that at time of closing I specifically asked to ensure understanding of terms of withdrawal and both TD Bank Representatives in the branch at closing confirmed that the rate was fixed at the time of the withdrawal -this was the core reason thus I withdrew the funds during this time and refinanced the XXXX at a 2.99 % rate. This was a clear misrepresentation by the agents of the underlying terms of the loan documents referencing variable versus fixed and how the rate was fixed. Based on todays conversation and the conversations at closing, there seems to be a lack of knowledge and understanding from representatives regarding the option of fixed rate options within your XXXX products. Much appreciate steer and support to seek a resolution and to also addressing the underlying concern and how this may impact other customers that have similar products.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 15 U.S. $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete this items IMMEDIATELY! This account should not be furnished on my consumer report as its in violation! Under, 15 U.S Code 1681b-Permissible purpose of consumer reports ( a ) IN GENERAL SUBMITTED to subsection ( c ) any consumer reporting agency agency may furnish a consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed TD Banks Target
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized Hard Inquiries from : XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Target Fin/TD XX/XX/202XXXX XXXX XXXX XX/XX/2022 2022
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Please remove all of the information enlisted on the letter attached to this notice. Thank you.
Company Response:
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
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: XX/XX/XXXX, XXXX credit card was charged {$5800.00} I have been trying to remove this charge since the day it occurred and it is now XX/XX/XXXX. I was on the phone with TD Bank WHILE the charge occurred. An email was sent at XXXX XXXX that day that the phone number for security had been changed on my account. I found it at the end of the work day and called them at XXXX XXXX. Original dispute request # XXXX was declined, reason given is it is a chip on chip transaction and therefore the card was present. Second request # XXXX was auto-declined, reason given is that this was a previously resolved case and duplicate claims are auto-declined. Most recent dispute request # XXXX Filed on XX/XX/XXXX. The TD bank representative who filed it stated it was " a shot in the dark '' because it would likely be auto-declined again. I called one more time after that and confirmed there is a note from XX/XX/XXXX that a card was printed at the branch that day. The person impersonated me at the TD Bank in XXXX XXXX, changed the online password, created a checking account in my name, changed the phone number on my account, and had a credit card printed. They then made a purchase at XXXX {$5800.00}, the charge was cleared by someone at TD Bank in XXXX XXXX WHILE I was on the phone with TD Bank asking about the email. I also got a letter from my employer verifying that I was at work that day. I see clients and our system can confirm that I was in appointments at that time.
Company Response:
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A