Date Received: 2019-05-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: 1. In or about the end of XX/XX/XXXXor beginning of XX/XX/XXXX I made a complaint about an unauthorized charge on my account. 2. At that time I notified the customer service representative that an final determination notices should be sent to my new address. 3. On XX/XX/XXXX after realizing the provisional credit that was granted had been retracted and causing an overdraft fee for five transactions. 4. According to the customer service representative the address to which any notices should have been sent was not annotated. 5. I never received any notice directing me to forward any further information in regards to my complaint. 6. At the time the five transactions occurred I had funds in my account. 7. The retraction of the provisional credit caused my account to be overdrawn. 6. I would like the {$170.00} in overdraft fees returned to my account as they were not appropriately applied. 8. I also had overdraft protection during the time that those transactions occurred. 9. TD bank retracted the provisional credit did not occur on the date that is indicated on my mobile banking app. 10. TD is engaging in unfair consumer practices. 11. I have called numerous times and this issue has yet to be resolved. 12. TD bank has the duty to make me whole again. 13. TD bank phone calls are recorded, they should have pulled my previous phone calls and would have heard that a new address was previously provided. 14. TD should take accountability for their error.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Yes I never opened a XXXX card my name is XXXX XXXX
Company Response:
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card with NORDSTROM/TD BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NORDSTROM/TD BANK and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and NORDSTROM/TD BANK with no successful resolution. XXXX only reporting me two 30 day late payments. There was an error on their part. I was never two times 30 days late.
Company Response:
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XX/XX/2018 TD Bank issued a fraudulent credit card in my name, to an unknown third party in association with XXXX XXXX, account number XXXX XXXX XXXX XXXX. The unknown person then used that card to purchase three cell phones for {$2500.00}. TD bank closed the account and removed the charges. When I filed their requested affidavit, I requested : " In accordance with the Fair Credit Reporting Act, please supply me with all the information that the fraudulent person used to apply for this credit account in my name and any other business records relating to transactions and accounts that resulted from the theft of my identity so that I take whatever additional steps are necessary to prevent additional fraudulent activity in my name. The following sources and quoted material makes clear my right to this information. https : //www.consumerfinance.gov/learnmore/ Summary of your rights when you believe you are the victim of identity theft links to https : XXXX XXXX. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It may also specify an address for you to send your request. Under certain circumstances a business can refuse to provide you with these documents. See www.consumerfinance.gov/learnmore. " TD Bank does not comply with their promised 1-day inquiry and 30-day fraud response times and should be held to account for that false advertising. TD Bank failed to use due diligence in the issuance of a credit card to an unknown third person, and is thus complicit in the theft of my identity. With the failure of TD Bank to respond to my inquiries, one is left to wonder if they are hiding activities such as XXXX XXXX was a few years ago. This is just a short summary. Full details are in the attached documents, which includes a 6-page cover letter with proper formatting.
Company Response:
State: NE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was disputed with the company the company deleted the account in which I have the deletion that was sent to me on XX/XX/19 the report number is XXXX
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
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 had an untroubled account with XXXX XXXX XXXX, acct id XXXX, for many, many years. Last year I lost my card, reported it, and they sent a replacement card with a new number. After having not used my card for a long time, months, I tried to make a small online purchase and it was declined. When I called to find out about the problem, I was told XXXX made an automatic purchase to my account for {$40.00}, and I was never notified. The payment due was late at that time with an additional {$27.00} late fee attached. I asked on the phone why was I not notified by mail or email. They had no answer. I filed a dispute. They required me to wait for their postal mail document. On XX/XX/XXXX, I received their mail-out and the due date was XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX stating that they tried to reach me by phone on XX/XX/XXXX, and since I did not answer the disputed amount {$39.00} will remain on my account. I did mail a completed and accurate dispute form as they required on XX/XX/XXXX. Apparently, it was too late for their unreasonable expectations. I did not authorize this purchase for virus protection for an old computer I rarely use. How is it possible that XXXX can put something on my card unbeknownst to me and I can't make one charge on my own card? I also had trouble getting onto their website to access my account. I CAN'T ACCESS IT BUT APPARENTLY ANYONE ELSE CAN. Also important to note is that I did not receive any postal mail or email about this illegit purchase UNTIL I told them about that over the phone. Suddenly I can receive all kinds of mail and email from them. My email has been the same for years. My phone number and mailing address has been the same since XXXX. On XX/XX/XXXX I called XXXX again and told them to close this account immediately. I assume they did. XXXX sent me an email on XX/XX/XXXX telling me my payment is due XX/XX/XXXX. They have sent me no acknowledgement that they received my dispute. How can it be that someone, anyone can access my account and I can't? How can the CFPB allow credit card establishments to behave so unreasonably.
Company Response:
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Problem when making payments
Subissue:
Consumer Complaint: I was informed that i had not made my XXXX Payment. I have made the payment, the Money has been taken out of my account and i have email confirmation stating i had made the payment. I Know my balance was then XXXX. I call in today and they tell me my loan is XXXX After i give them the information saying that i paid they hang up the phone or transfer me to the main menu. I Only owe XXXX. And i have proof that TD Bank has taken my money but they keep saying they do not have the {$200.00} Payment made on the XXXX of XXXX.
Company Response:
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My identity was compromised while I was oversees XXXX in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. XXXX XXXX XXXX 1. XX/XX/XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 5. XX/XX/XXXX
Company Response:
State: IN
Zip: 46530
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
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 XX/XX/2018, I purchased a dress online from XXXX for {$120.00} The merchant was discriminating against me in returning the item, theyve wanted to offer me a discount instead of me returning the dress, theyre trying to borrow time, I replied to the merchant that the dress doesnt fit me because it has built in bra these is not noted on the website during purchase. I returned the dress as the address provided by the merchant. XXXX failed to protect my rights as a credit card holder under the applicable law. Please see copy of postal receipt included with this letter.
Company Response:
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XXXX XXXX XXXX reported a late payment on my credit, this is unacceptable. I didnt even receive any bill nor they didnt even try to call me regarding this matter.
Company Response:
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A