Date Received: 2018-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Truthfully I didn't authorized Account with Nordstrom on XX/XX/2017. I filed report with FTC. However, Nordstrom wrote back that my account doesn't claim of fraud and such transaction was valid. However, I request them vital information like transaction date, location, and item purchase. Nordstrom stated they are unable to provide these information. They only can provide total amount of balance owe. This is an absolutely raised red flag of fraud to me. I believe Nordstrom mishandle protection of consumer rights to ask for details in order for me to file with a report with police station.
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On Saturday XX/XX/2018 I discovered my TD bank account was overdrawn by XXXX dollars. I discovered it was from an unauthorized TD discretionary overdraft program that I did not enroll in. I had called several months previously due to having overdraft charges and was told I would be unenrolled in program. I assumed any deficit in my account would result in payment being declined. I called my branch office and spoke to XXXX who explained to me that the feature was never turned off. I went into the office to sign form to turn off. I had my daughter make a XXXX transfer of XXXX dollars. I also transferred XXXX from my savings account. I reached out to customer service on XX/XX/XXXX because I was hit with more overdraft fees because they did not credit my XXXX transfer automatically as it has in all previous occasions. Customer service manager refused to credit my account because he did not have access to phone call that was made previously where I was assured feature would be turned off. My account is now {$190.00} still overdrawn. I am a XXXX adult that only receives XXXX and pension payments once a month. That is reason why I prefer to have my purchases declined and not to be provided payment for a cost of {$2.00} and be charged {$35.00}. Each day they charged me {$170.00} in overdrafts. Even when I made transfers to cure my default that was their fault for advising me that this feature was not on. They require you to sign a form to turn the feature off but I never signed anything to turn this feature on. I also was told by their customer service that I would not have this feature on when I called several months ago.
Company Response:
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2018-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Td bank allowed someone to access my account fraudulently via multiple phone calls and allowed them to initiate voice recognition changes. There were multiple transactions made without my knowledge that were clearly fraudulant and very untypical of the banking that had taken place over the last 20 years. Then a large fraudulent purchase was made in another country with these funds. Td bank failed muliple times to alert me of this unusual type of transaction
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Complaint for XXXX/TD Bank ( via XXXX XXXX ) - I purchased a mattress with a payment plan. I did not receive notice that the payment account was set-up and due until the first due date had already passed. I went online and paid the monthly payment of {$60.00} and attempted to set-up a re-occuring monthly payment in XXXX. I did not pay the late fee assessed because it was unwarranted. In XXXX I again had to go online and set-up the monthly re-occuring payment because it hadn't worked the first time and they were assessing me more late fees. Today, XX/XX/XXXX, I called them and learned that the monthly payment would not go into effect until XXXX, so I had missed the XXXX payment and they are assessing me yet another late fee. Their online system is XXXX and very difficult to use. I saw confirmation of the monthly payment set-up when I did it, but now there is no trace of it on my online account, not under transactions, or payment, or pending activity, or anything. According to customer service, I just have to trust that it is set-up now. I do not understand their system. I think it is purposely intended to allow them to assess unwarranted late fees. I tried speaking to two different representatives on the phone and the best they could do was to remove 1 of the late fees, and ONLY if I pay the rest of the payment in FULL first. What kind of fraudulent practice is that?
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2018-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My bank account is overdrawn currently my checking and savings accounts. It has been overdrawn since last Friday XX/XX/2018, I signed up for over draft protection only to find out that the bank has two separate overdrawn protection features I found this out today on XX/XX/2018, the first one is the debit card and the other one is the account.i have never herd of this and when I went into the bank that was never explained to me at all, so I get hit with XXXX dollar fees all the time then to find, then I was told that even if I have over draft protection that if anything hits my account and the account is empty then I will still get hit with XXXX dollar fees. This bank doesn't work with it's customers especially those whom are poor and are on a budget, I can not close the account until I pay off what I owe them.they make a lot of money off of me since I have opened an account with them and I have been dissatisfied with them since becoming a member. I have bank with other Banks before and they offered some type of help and other ways to keep me financially sound but this Bank offers no leniency Little to no education as the how they run things and something needs to be done about this because every time I turn around there is a fee for everything doesn't my money matter? I may not have a lot of it but I have enough to keep me afloat, and if this bank is legally able to operate this way I need to see everything in writing that was they have not provided me with that all.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: i saw a deposit in my mobile account that I didn't make and informed the bank of fraud the bank told me they would fix it and now i'm being charged for the fake check that was deposited, my account number was XXXX my name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX new york XXXX. the amount i'm being charged is XXXX.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2018-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In my home equity line of credit # XXXX there was a balance advance of {$5000.00} done on XXXX which I did not do. I called on XXXX! And nothing was done, I called on XXXX and told to go to a branch to fill out a fraud affidavit, which I did. Per affidavit it would take 3-4 days. I called on XXXX and nothing has been done. They were going to send an email to the loan department that can take several weeks. I requested for the line to be frozen, I have not be given any information on the new number, did the reversed the transaction while they investigated. I feel very upset, I have not been treated fairly in this process. Thank you XXXX XXXX
Company Response:
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2018-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response:
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-14
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I am a TD Bank customer from last 2 year and holding cash back credit card with TD. I have paid all my credit card bills fairly on time without a single fail, making good salary deposit every month and maintaining a good checkin account balance with TD. In last few months I applied for few credit card and all got rejected. While checking with TD bank, they mentioned my credit card number for Bank account and Credit card account was linked with wrong SSN and they corrected it immediately few weeks back. While checking for my credit report through XXXX XXXX or XXXX it doesnt show my credit report. I am quiet frustrated with TD at first place how come a financial bank make mistake in putting wrong SSN number and is bank not liable to make SSN verification for any new bank or credit card account. It is screwy my credit history and not able to get any new credit card or get loan.
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2018-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited two checks into my checking account at TD Bank. They were payroll checks. Usually my payroll checks the next day are cleared onto my account. This time on my account was showing the deposit but the entire funds were on hold. I figured that because of the amount of the checks they needed to make sure the funds were available before funding my checking. So I waited until Monday XX/XX/XXXX and still the funds were not there. I checked with my boss to see if saw the transaction on his account and the money were taking our of his business account. So on Tuesday XX/XX/XXXX I go to the branch on XXXX XXXX and XXXX XXXX. XXXX XXXX and the bank explained to me that they hold the money because of the amount and that on thursday XX/XX/XXXX my money would be realized ... .so they kept my money they left me with out money for more than a week. Now it is Thursday XX/XX/XXXX and i still don't have my money onto my account. Shame on them ... ..they left me with out salary for a stupid explaination when they cashed the checks but the funds were not available. This is abusing their power. i have to go away in two days and don't have the money to buy the last things that I need for my trip. I WANT MY MONEY BEFORE THE END OF THE DAY!!!!!. TD BANK IS THE WORST BANK EVER!!!!
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2018-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A