Date Received: 2019-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I would like to file a complaint against TD Bank NA, regarding their mortgage practices in state of New York. They donot apply the additional principal payment properly and are charging interest on previous balance, rather than reduced Principal amount. I contacted them several times and even went to their branch to talk to loan officer, they refer me to call customer service. I ask them to send me documents to show how do they apply additional principal payment. They send the print out of my account, which doesn't explain how interest is calculated when additional principal payment is made.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I called this morning to ask about any overdraft fees that I could be getting. The agent said no and I thought the XXXX dollars I had in my account was good. I went to go pay a bill and looked and I got charged XXXX dollars in fees.I distinctly as the agent and she gave me wrong information that results me in getting another fee! I'm extremely exhausted at this point.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX and XXXX are reporting this account incorrectly as it does not show the correct high balance, limit, monthly payment, date of last active and date of last payment. I have disputed this account too many times but never did I receive any correction for this account. XXXX has reported this account correctly.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Nordstrom Colorado Service Center XXXX XXXX XXXX XXXX, CO XXXX Card XXXX XXXX ( account now closed ) At some point over past year, I was switched without my consent to online statements only ( ending paper delivery ). Because my Nordstrom account was attached to a personal email account I rarely check ( because it is continually cluttered with spam from third-party entities who have been sold my data ), I ended up being past due on a statement because I received no letter in the post. I called customer service on XX/XX/XXXX, paid the bill ( {$460.00} ) and the operator refunded the late fees. I then switched back to paper statements online. However, the same incident has occurred again somehow I was switched back to paperless without my consent, I missed another bill, and was late again. Today I paid my bill on the phone ( {$120.00} ), and closed my account with Nordstrom ( XX/XX/XXXX ). It is good Nordstrom refunded the fees associated with this problem, but I imagine this has done some damage to my credit score. I am not sure whether the issue is that 1 ) there is some technical glitch that is not registering my change 2 ) there is a protocol in place for cardholders to be automatically switched without being asked for permission. 3 ) It is also possible Nordstrom does this intentionally to collect additional fees and have the opportunity to increase interest rates.
Company Response:
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Divorced and paid off mortgage when sold property. Escrow refund was sent to two named payees with my name appearing first. Check was forwarded to second payee who mobile deposited into individual account and mortgage company accepted check when presented by bank although check was endorsed with only one signature ( not mine ). Bank representative stated policy is to require both signatures but mobile deposits are handled differently, that mortgage company should not have approved with only one signature.
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with TD BANK USA/TARGET C. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXXn, XXXX, XXXX and TD BANK USA/TARGET C with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: My entire wallet was lost while out with some friends with some very important information in it that allowed scammer and hackers to access personal information belonging to me. I attempted to go to the bank take my money out and report my card lost and stolen to only find out my account is in a no check status and i could not withdraw any money as well as do anything to my account. Days later i received checkbooks and other items saying that i opened up 6 new accounts via online which I had no clue at all about. Also in the mail i received fraudulent checks that were deposited into my account. The checks nor the 6 new accounts opened in XXXX did not belong to me and I will not take responsibility for these actions. The signature on these checks were not my signature. The suspect forged my signature on these checks.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received two letters stating that my minimum payment of {$0.00} had not been received. They reported me to the credit bureau twice, on the same day, for being 30 days past due, for two different months. I called them to find out why they sent me a letter that said I owed them {$0.00} but they were reporting me. My statements show a previous balance of {$0.00} and new purchases. They explained to me that there was an issue with my payment account but had never sent me any notice of the issue. Having received the letters that say I have no minimum balance, I deduced that there was a computer glitch and it would get worked out. My account was set up for automatic payments and enough funds were in my account to cover any payments needing to be made. Their system and procedures obviously have errors which need correcting and they should consider fixing them so that they are not giving out inaccurate information and then holding the consumer responsible for the banks mistakes. I work overseas and rely on accurate and helpful documentation being provided, they did not provide any documentation by mail that would have assisted me in resolving any issues, but they did provide documentation that I have a {$0.00} balance.
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by TD Bank of XXXX. I make my payments via XXXX XXXX XXXX/. I have made all my payments either on time or in advance except for XXXX, XXXX which was two days late. I can document all of these payments. I was pre-approved for a home loan by XXXX XXXX XXXX XXXX, TN on XX/XX/XXXX. My credit score was well above the required 620. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX TD Bank reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts ( approximately $ XXXX/mo. {$600.00}. more than my house payment would have been ) to keep my things in storage and live in temporary housing.
Company Response:
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I XXXX XXXX saw that TD bank had a promotion where you can qualify for {XXXX} bonus by opening an account. I had an account back in XXXX so i visited the XXXX MA branch on XX/XX/XXXX and i explained to the teller XXXX that i was interested in opening an account to take part in the promotion. I also explained to her than I had an account back in XXXX so I wanted her to check to confirm if i would qualify or not for the promotion. She checked her computer system and advised that she couldn't find anything in the system for me so I would be considered a new customer. She also advised that i would have to also open the account online to qualify so I proceeded to open the account online via my mobile device. Once the account was opened i deposited {$2500.00} to avoid the monthly maintenance fees and XXXX printed me a debit card. I proceeded to set up my direct deposit at my job which started on XX/XX/XXXX for {$800.00} and that amount reoccurred until XX/XX/XXXX and after that my direct deposit was changed to {$5.00} which is currently on going. In total between XX/XX/XXXX and XX/XX/XXXX I've direct deposited {$4000.00} from my payroll which surpasses the {$2500.00} requirement within 60 days which would be XX/XX/XXXX. I called multiple times and i was advised that I 100 % qualify and meet the requirements of the promotion ( {$300.00} bonus ). Now 107 days later when its time to pay the bonus they are advising me that I don't qualify because i had an account before. If they told me this back in XXXX when i visited the Melrose branch I wouldn't have wasted my time and tied up my money and changing my direct deposit for all those months. The customer service rep advised me to go to the branch since this issue started at the branch and the branch can send an email to the promotion team requesting an exception to be made since the error was on their part. I visited the XXXX branch on XX/XX/XXXX and had a meeting with XXXX XXXX whom is the store manager. She supported me and sent the email to the promotion team requesting the exception be made so that I would receive the {$300.00} bonus. I followed up with the TD branch on XX/XX/XXXX and spoke to the customer service rep XXXX whom advised me that they did get a reply from their promotion team whom are still refusing to honor the {$300.00} bonus. At this point I'm going to close my account at TD bank. I find this to be a very deceiving practice on their part. If that representative took a little more time to advise me correctly i wouldn't have wasted my TIME and energy to open the account to get the bonus. Most banks after a year or two you're considered a new customer, so when XXXX advised me that I would be considered as a new customer since its been almost three years according to me ( XXXX ) and she cant find any records for me on file, I had no reason to doubt her and went ahead and invested my TIME and money. I strongly believe that TD bank should honor the {$300.00} bonus to me. I look forward to your response and resolution to this matter. Thanks XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02149
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A