Date Received: 2019-05-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: During this time I had my XXXX card, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XX/XX/11 as my husband is in the XXXX industry and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been about seven years reaching the statute of limitations. I am hopeful that you are understanding that the tie has expired and sue to the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: As per written contract TD Auto has 10 business days after paying off the loan in full to send request to remove lien to NYS DMV. It has not been done and numerous customer services and supervisor XXXX XXXX said they dont know when it will be done and they dont follow written contracts.
Company Response:
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: THIS IS NOT A DUPLICATE COMPLAINT. I ORIGINALLY FILED COMPLAINT XXXX WHICH WAS CLOSED BUT NOT RESOLVED PROPERLY. THE LETTER ACCOMPANYING THE BANK 'S RESPONSE INVITED ME TO CALL THIS WOMAN, XXXX XXXX, WHO I HAVE CALLED 4 TIMES, BUT SEEMINGLY DOES NOT KNOW HOW TO EITHER ANSWER HER PHONE OR RETURN CALLS. PLEASE SEE BELOW WRITE UP AND ATTACHMENTS : I had 4 accounts with TD Bank, 3 of them loans : 1. Checking XXXX XXXX. Checking Overdraft Loan XXXX XXXX. Line of Credit XXXX 4. Home Equity Loan XXXX I have previously and repeatedly disputed all 3 of the loan accounts in the past with XXXX, the CFPB, and with TD Bank directly. They have changed some things but not fixed everything. Timely payment of each loan would be evidenced if we could show checking account activity. However, TD is unable to provide checking account statements past XX/XX/XXXX and statements they do have show zero activity from XX/XX/XXXX on. I do not know how this is possible? : I receive and email from TD Bank each and every month telling me that my checking account statement is ready, BUT when I call to try to get access to the account online TD is unable to help me log in. Post XX/XX/XXXX there is considerable ongoing activity as late as XX/XX/XXXX in the loan accounts. The other side of these transactions could only be the checking account ( ergo the name of one of the loan accounts Checking Overdraft Protection ), but the checking side is MIA for well over 3 years? Please refer to account activity provided by TD Bank in attached file, TD Bank CFPB Response.pdf. Looking at the activity in the Overdraft account ( the other side of which must be the checking account which it is protecting ) I would have to surmise that much of what I am seeing in the loan is the result of fraud in the checking account, however there is no way for me to confirm this since TD claims checking statements do not exist. 1. Checking Overdraft Loan XXXX : As mentioned I believe much or all of the activity I see in this account from mid-XXXX on could be fraud. TD has already removed late payments from this account but I would also like Status to reflect Paid/Never Late/Closed instead of Included in Bankruptcy. I am more than willing to work with the bank if they would like to investigate possible fraud. 2. Line of Credit XXXX : It looks as if payments to this account stopped around the same time the checking account disappeared. At least minimum payments on this account should have been drafted automatically from my checking account, but uh, oh, right, theres that checking account thing. Even if there were no funds in the checking account payments still would have been made on the loan, and the checking overdraft covered by the overdraft loan. The overdraft loan remained current and even with previously mentioned mystery debits it had adequate open credit to cover payments for a long period of time, and without the mystery debits it would still have enough open credit. TD has already removed late payments from this account but I would also like Status to reflect Paid/Never Late/Closed instead of Included in Bankruptcy. 3. Home Equity Loan XXXX : By the same reasoning as explained in bullet 2 above I would like record of late payments removed. Additionally, this loan is showing status of Foreclosure Proceedings Started which should be changed to Paid/Closed for reasons evidenced and described in the timeline of events as follows : a. XX/XX/XXXX property financed is sold, payment is made. I have at least twice previously provided the closing disclosure showing payment, and it is again attached to this dispute, Closing Disclosure Seller Only Extended Lines ( 1 ) .pdf b. XX/XX/XXXX TD Bank receives payment in full on the loan, but erroneously records the payment as a charge off ( and they apparently also owe me about {$58.00} for overpayment ). c. XX/XX/XXXX TD Bank reports the loan status as Paid of XX/XX/XXXX with balance updated XX/XX/XXXX. XXXX XX/XX/XXXX TD Bank seems to have changed their minds about the status of a loan paid off almost 2 years earlier and Payment Status flips from Paid to Foreclosure Proceedings Started. For some reason the Balance Updated date is now shown as XX/XX/XXXX which is 2 weeks prior to the date they allegedly reported 18 months prior. Say again?? Thanks, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-12
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: On or about XX/XX/2019 I purchased a XXXX prepaid phone airtime Ecard from XXXX. Once the Ecard arrived in my inbox I tried to use the included pin number to install the airtime on my XXXX. I noticed the pin number was rejected when I tried to use it. I then contacted XXXX to see if I could resolve the problem and was told that although the pin number was good, the airtime card was not made for my type of phone. I then contacted XXXX stores and explained my predicament to them and asked for a refund. Upon my inquiry, I was told that XXXX stores does not offer refunds for phone airtime cards. Matter of fact, if XXXX would have been willing to offer me a credit to spend at any of their stores, that would have been fine with me. But no, that was it, case closed! Anyhow I then decided that since I had made the purchase with the XXXX XXXX XXXX card that connects to my checking account that I would take the matter up with my bank ( XXXX XXXX ) and contest the charge ( see documentation ) Yesterday, XX/XX/XXXX, I decided to pay my XXXX XXXX Credit Card balance and noticed the transaction I had made with the debit card had now migrated to the XXXX Credit Card ( see documentation ) Matter of fact, if you call up XXXX and inquire if the Ecard pin number has ever been used, they will corroborate that it never has been used.
Company Response:
State: CA
Zip: 91702
Submitted Via: Web
Date Sent: 2019-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Target keeps calling me all day long on my home phone and cell phone.
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2019-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello : I opened a TD Cash Credit ( Platinum ) Card with TD Bank in approximately XX/XX/2018. The card was advertised as having a {$200.00} cash back bonus if {$500.00} was spent in 90 days of the account opening. I spent over {$500.00} in less than 90 days of the account opening ( by XX/XX/2018 ), but I never received the {$200.00} bonus despite meeting the offer terms and over 6 months passing since I surpassed the minimum spending requirement. I have contacted TD Bank requesting the {$200.00} bonus be awarded to be given that I met the offer requirements specified ; however, TD Bank has not awarded me the bonus.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2019-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
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 checked my report recently and noticed that you did not remove it. Why is that? Td Auto Fina Inquiry from XX/XX/2018 It appears to me that you don't care about my rights and my creditworthiness.
Company Response:
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
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: The company I work for deals with XXXX XXXX and back in XX/XX/2019. As you know, there was a shut down in the government and no one was getting paid. I notified TD Card services ( TD Bank ) of the situation and that I was in the process of buying a home. I also asked them to please work with me so I would not have 30 days late on my credit report. I have been with them for almost 4 years and has never been 30 days late. I explain the situation to them, they still reported to the credit bureau as late. I as them to please can they remove the one and only time I was late they still said no. Since then the account is paid in full and I have asked for it to be removed from all three credit report. They have not complied. please help me, it is hendering me from optaining a mortage.
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
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 XX/XX/XXXX I went to the Nordstrom Store located XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, to make a purchase. I did not have my credit card, so as usual, I gave the cashier my license and SSN to look up my account in their system to pay for my items. When she got my VISA Nordstrom Credit card number and tried processing the payment, I was told my card was declined. I was in disbelief because I know that I had not used my card since XXXX of XXXX. The cashier got on the phone with a Nordstrom CSR and that is when I was told that my card had 26 fraudulent transactions on my credit card totaling up to about {$9500.00}. Not once did Nordstrom reach out to see if it was actually me, considering that the person went over my credit card limit of {$7300.00}. Had I not gone to the store that day to make a purchase, I would not have known until I received a statement in the mail that these transactions were on my credit card. The CSR rep, while he had me on the phone, reported all of those transactions for me as fraud and then I was informed that an investigator would be contacting me. On XX/XX/XXXX I received the affidavit from Nordstrom, with all of the transactions from XX/XX/XXXX XXXX XXXX, XXXX, filled it out and sent a copy of my drivers license back to Nordstrom . I asked if I need to file a police report and they told me it was not necessary so I did not. On XX/XX/XXXX, dated XX/XX/XXXX received a correspondence from Nordstrom stating that my claim is false and that I would be held liable for those charges, they reapplied all of the conditional credit from XXXX back to the new credit card that was sent to me. I immediately called Nordstrom to speak with the investigator, he was not in, but i asked another rep how was that conclusion made. I was able to get a little bit of information that they used my drivers license picture, from when I was XXXX, I am now XXXX, to match the person on the surveillance camera who they told me was wearing a baseball cap. They also informed me that the transactions were made during the hours of XXXX, and I have full time job that can confirm the days those the transactions were made. If Nordstrom just did a comparison on the surveillance from the date those transactions were made and me actually being in the store on footage on XX/XX/XXXX they would know that it was not me. However, when I actually spoke to the investigator the following day, he was very tight lipped -- did want to disclose anything to me but told me that their panel concluded it was me so therefore I will be liable for those charges. Nordstrom did not even want to hear me out, didnt ask me to send and current picture of myself, didnt ask to see if I can actually verify if I was there ( I am a XXXX employee ), there was one transaction with a XXXX bill that was paid ( I dont have XXXX ). I believe that Nordstrom used the fact that it was a XXXX female on the footage so therefore it was me. Since I now felt like I had to do my own investigation, I filed a police report so that the detectives can investigate because Nordstrom told me they could not send me any of the footage, that it would have to be subpoenaed by the police department. I sent Nordstrom a letter telling them I did not agree with their decision on XX/XX/XXXX and they should re investigate -- they responded XX/XX/XXXX that my claim was false and that I would have to pay for it. I am writing because I feel like I have no other choice but to reach out for some external assistance because I am innocent. I have never put more than 1-2 transactions per year on my Nordstrom Card for the 4 years that I have had it and now I am being held liable for {$9500.00} worth of charges that were made in 4 day by someone who stole my credit card. Nordstrom not ONCE contacted me to see if those transactions were in fact made by me. I have taken pride in maintaining my credit score, since I was XXXX years old and never have I been in a situation like this. I have been physically sick over this because I feel like I was not given a fair investigation.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened the account on XX/XX/2019 online. I added {$5000.00} via direct deposit to the account which was debited from my account on XX/XX/2019. 3 days later I tried to login into the account and it won't let me in. I called them on XX/XX/XXXX several times and after onerous verifications, they said that my account is restricted and I would have to visit a branch to get it working again. When I called my local branch in XXXX MA, they said that they can't do any sort of identity verification without my physical presence. I am out of state throughout the summer and I can't go to a branch to verify it. I asked both the call center and the local branch representative to close the account and send a check to my address on file. However, they said that they can not proceed without my physical presence in their branch. I understand their need for verification but they should not withhold my cash in case I am unable to go to their branch. I want them to close the account immediately and give me the money that they are holding back with interest.
Company Response:
State: CA
Zip: 95126
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A