Date Received: 2019-03-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Hi there, My checking account with TD bank got charged {$25.00} maintenance fee for XX/XX/XXXX and XX/XX/XXXX, totaling {$50.00}. Its term stated that the account should maintain a daily amount of {$2500.00} to avoid the $ XXXX monthly fee. However, it didn't specify whether it is the average amount across a month or exactly any single day within a month. I thought it was the first scenario since other checking account products at other banks utilize the measurement based on average daily amount and TD bank didn't specify it in its terms. I didn't know about its specific policy until I noticed that I got charged and talked to them. They refused to waive the fees.
Company Response:
State: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
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: We traded in the vehicle financed through TD, after the trade in we ended our service contracts. The check for the canceled plans were sent to TD auto finance on the XXXX of XXXX and show deposited but they claim they never got said money and refuse to give us our check.
Company Response:
State: NM
Zip: 88220
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In my move from New York to Virginia in XXXX of 2017, I would receive XXXX XXXX XXXX bills in bulk forwarded from my previous address to my Virginia address. I was under the impression I had automatic payments set up. My XXXX XXXX XXXX charge that lasted over 90 days was for {$20.00} or so. I make over {$100000.00} a year so this obviously wasn't a financial burden that I was putting off. Yet, this {$20.00} bill has severely brought down my credit report.
Company Response:
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I recently had a problem with my Nordstrom Credit Card, and I would like this situation duly noted and/or reversed in my credit file, as my FICO score has now taken a hit as a result of Nordstroms error. I remind you that under the Fair Credit Reporting Act and the Consumer Protection Act, you have an obligation to do so immediately. I have been a Nordstrom Credit Card holder for more than 13 years, spending tens of thousands of dollars with them over the lifetime of my loyalty to them. During this time, I was also a Nordstrom Loyalty customer, and I regularly received reward certificates for my spending. In XXXX, in XXXX XXXX, I made a {$1200.00} purchase for a business trip to XXXX. I was traveling a lot for work and out of the country, so when I finally returned home, I received my XXXX statement in the mail, and I realized I was two days late in paying my bill, so I used the automated phone service Nordstrom has to pay a bill online ( this is a 24/7 bill pay phone number at XXXX ). I paid the amount in full on XX/XX/XXXX, and I immediately received an automated billing confirmation number and payment proof was also received in writing when reflected on my next Nordstrom statement ( SEE ATTACHMENT # 1 and # 2 indicating payment on XX/XX/XXXX while a late fee for {$37.00} was assessed and charged on the same day payment was due - redacted for this version ). When I received my following months statement, 2 statements later, not only did the payment show as adjusted and reversed, but I had received a collections notice, too, indicating that my account had gone to collections and was now reported to all credit agencies ( ATTACHMENTS # 3 and # 4 - redacted for this version ). When I contacted the collection agency, they did not understand the issue, so they had to patch in someone from customer service at Nordstrom, whose name was XXXX XXXX ( not her real name, Im sure ). A very terse and unhelpful Ms. XXXX said that their automated payment system had used an account for my bill from a bank account we no longer have open. This account at XXXX XXXXXXXX XXXX has been closed since XX/XX/XXXX! I buy at Nordstrom multiple times per year. How could they have on file, an account that has been closed for 7 years!? Ms. XXXX also indicated that they did not have an email or phone number on my account, which is not true. I regularly receive emails from Nordstrom - both promotional and billing related. I never received an email notice or phone call or letter ( other than my statements ) indicating that this account was late or not paid, and I never received notice that they were using a closed bank account that had not been open for 7 years. Nordstrom has had several credit breaches. Most recently, a security breach in XXXX, XXXX. What has likely happened is that during one of their breaches, they had to restore their customer account systems, and they picked up an old and expired customer record for me, which included this closed/invalid account at XXXX XXXX XXXX. What I can not understand is how their automated payment system allows a payment to be accepted, go through and be verified as paid without having to confirm that its a valid and open account? Is this not the definition of wire fraud?! When I challenged Ms. XXXX, she admitted that I had made a payment online with good intent, and therefore, she agreed to dismiss any late fees ( for which I recently received a check for {$99.00} ). But, the damage is done. It was reported to credit agencies already. I asked her to report this situation to the Big 3 credit agencies, so that you can note this problem and provide an explanation in my records, but she refused to help me in any way. And, for this reason, I asked her to close my Nordstrom account forever.
Company Response:
State: CA
Zip: 92106
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company has been reporting unverified and inaccurate information about me to the credit bureaus. I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TD Bank USA/XXXX XXXX : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Company Response:
State: MN
Zip: 55427
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Nordstroms TR Bank USA : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Company Response:
State: MN
Zip: 55427
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: OnXX/XX/XXXX My bill was {$410.00}. I paid {$420.00} On XX/XX/XXXX My bill was {$300.00} I paid {$300.00} I thought that the card was paid off. XXXX XXXXCard claimed in the XX/XX/XXXX billing statement that I made a purchase on XX/XX/XXXX for {$30.00}. On XX/XX/XXXX billing statement the amount rose to {$58.00}. On XX/XX/XXXX. I paid XXXX XXXX card. XXXX. I thought that this card was paid off. On the XX/XX/XXXX billing statement the amount rose to {$97.00}. On XX/XX/XXXX I paid XXXX XXXX card XXXX. On the XX/XX/XXXX billing statement the amoount rose to {$79.00}. Then I paid XXXX {$1.00} which they are leaving as a credit. I was forced to give them my checking account and routing number because they would change the amount due daily.
Company Response:
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2019-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On Tuesday XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke with a representative. I found this was regarding my former business with a XXXX account. I explained to the account representative that I wished to settle the account, because I was expecting my income tax refund on the XXXX. We agreed to settle for {$350.00} and dated a post dated check for XX/XX/2019. I wasn't sure if my tax refund would hit my account immediately, so I explained to the rep that if it hits my account sooner I will call and make immediate payment if the payment for the XXXX is deleted. The next day XX/XX/2019, my income tax was deposited into my account with no issues. During my lunch break at work I called XXXX XXXX XXXX XXXX. I spoke with the same rep. I advised payment was good to run immediate, so I gave him a debit card. I asked about deleting the payment for the XXXX because now my debt was satisfied. The rep assured me he did in fact delete the XXXX check, and my balance was settled in full. I asked for a terms letter to be emailed to me for my records, and gave my email address. The rep read an email disclosure and said I would have it over to my email on the XXXX. I never received that letter. XXXX XXXX XXXX XXXX charged my account twice. Once via debit card and once via check. I called to resolve it and I was told there were no managers in that could help me. I was placed on a long hold and eventually hung up on. I called XXXX XXXX XXXX XXXX maybe 10 times to try and get a resolution, and the phone just kept ringing. I eventually contacted my bank to dispute the charges.
Company Response:
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: After making 16 payments to XXXX XXXX XXXX part of TD bank group I missed two payments due to a car accident I called and told them but they repossessed my car and wont work with me. They are very rude and unprofessional and wont help me out even though I a veteran and recovering from a car accident
Company Response:
State: VA
Zip: 23456
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A