Date Received: 2024-01-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was shopping by phone at " Nordstroms '' on XX/XX/XXXX at the when I gave all of the vital VISA credit card information the person tell me that it didn't go through because the mailing address I gave them wasn't the as the VISA card address. I learn the next time I called the that the account is in the " Fraud '' department. I didn't initiate some fraud activity or anything. XXXX XXXX XXXX a person in the Fraud department said it was there because of unusual activity on XX/XX/XXXX when I mention to the representative that my Nordstroms online account wouldn't allow me to purchase online because my email for it needed to be updated because had not access to it. I think the problem is some one either the representative that was taking my order did it or someone cause this. There was never any " Fraud '' and my VISA should be on " HOLD '' now. I told me to come to the Nordstroms store to verify my ID to them. I feel like they should pay for me having to loose the items I wanted and putting my VISA on HOLD for a unfounded transaction. It a lack on basic communication and making a false assumption for what reason?
Company Response:
State: MI
Zip: 48238
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My account was frozen with no warning, cause or reason. I have recently been attempting to inquire the reason for this closure and they explain it was as a result of an attempted forgery. I reported the identity theft to them and they will not allow me to open another account, this is the bank that i conduct most my operations with and would like the option to reopen a relationship.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TD Bank XXXX XXXX XXXX, MA Checking Account Six / Seven Day Hold of Check XXXX XXXX a six day hold on a {$2300.00} check deposit. My records show the money left the other account on XX/XX/. I asked several bank representative at TD why a 6 day delay on the deposit on XXXX XXXX / XXXX. The bank stated in a video recording the six day hold on a checking account deposit is a TD bank standard for new TD customers. I asked the bank to produce the banks literature on this universal standard to share with the FDIC, Federal Trade Commission and Massachusetts State legislature. The bank representative looked on the computer for five to ten minutes to produce these in print and could not find the specific standard in writing. I think the six day delay of the deposit is to produce an overdraw fee as a predatory fraud scam. It is my understanding when setting up this specific checking account the bank would block an overdraw charge. Instead the bank did not make me aware of the deposit hold formally in writing until XXXX / XXXX / XXXX and allowed several transactions to go through creating overdraw fees to profit and create a anxiety in me the bank customer to effect as further psychological advantage in further interactions ; will my check clear in a normal time frame or will I have to wait six days? This kind of unusual delay on a deposit is predatory. The banks new explanation is that the check deposit hold is dependent not on a universal TD bank standard of new customers but my own credit. From my understanding my credit is good. I have never had a six day hold at any bank before. The hold on the deposit is now up to 7 days stated in a letter issued on XXXX / XXXX / XXXX ; the day I placed the check deposit and confirmed it left the first account. There is no mention of a standard six day hold / delay of all new TD checking accounts deposits claimed by TD Bank in the video recording stated by the bank representatives in this letter. Attached is the video where the TD employees assure me a six day hold is standard of TD bank. Still no specific evidence from the bank confirming this universal six / seven day standard. I would like to press this issue legally if possible. No bank in the United States should stop a check from being release six days as a standard ; it should be three day. Six to seven days is predatory and toxic to the economy. Below is a link to the above mentioned video : XXXX XXXX XXXXXXXX XXXX
Company Response:
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, this happened on XX/XX/2023, I went to a car dealership to buy, I shared my personal information so that an inquiry could be made with my bank, but apparently they shared this information with many other lenders without my authorization, so I am disputing these inquiries, which I do not know
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have a credit card with TD Bank. I received and accepted a balance transfer offer. I asked for XXXX. I was advised by TD Bank on XX/XX/XXXX that it was approved. My card was charged XXXX plus the fee of XXXX on XX/XX/XXXX. I was subsequently advised by TD Bank that the original request was not processed however it would be. I also received a statement from TD with a payment due date of XX/XX/XXXX. As of today XX/XX/XXXX the balance transfer has not posted to the recipient bank. My balance prior to the balance transfer was XXXX. To avoid late fees and other issues I was forced to make a payment to TD Bank today for funds I have yet to receive the benefit of. I believe this to be an Unfair or Deceptive practice on their part.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I attempted to use my credit card to purchase airline tickets on XX/XX/XXXX. I have a {$5000.00} credit limit and it was all available I had no outstanding balance. The transaction was for {$2200.00} and was declined. The reason the bank gave was " fraud alert. '' I called TD Bank, it took 45 minutes and jumping through hoops to get them to unfreeze the account and allow me to use it. On XX/XX/XXXX I attempted to make a {$62.00} purchase at Target with my debit card from the same bank, TD Bank and the transaction was declined. This bank is the fraud. They have a faulty and phony algorithm. Their random use of " fraud alert '' is NOT TO PROTECT THE CONSUMER, it is a fraudulent system to protect themselves. They caused me embarrassment and XXXX I am XXXX XXXX XXXX, I have a XXXX XXXX, they are causing me stress for NO REASON AT ALL! This bank has done this to me so many times and they get away with it. They need to be held accountable for how they play with people 's lives. I go into the world with a certain secure feeling that if I have money in my account, if I pay my balance on time, if the credit limit is available - that I will be able to conduct commerce without stress and embarrassment.
Company Response:
State: NY
Zip: 11552
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: TD Bank is advertising a 6 month CD rate 5 % interest. Yesterday, ( XX/XX/XXXX ) I responded to the offer and opened a CD account with {$50000.00}. I visited the bank to find out about the interest rate and was told I would only receive {$610.00} interest at the end of XXXX months. I requested them to close the account stating TD bank was using deceptive advertising, and I was told I would be assessed a penalty of {$600.00}. I explained that I had just opened the account an hour before I visited the bank, the manager said it did not matter.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: The week of XX/XX/ I received a Target RedCard in the mail with a credit limit of {$500.00}. I do not shop at Target, and never applied for the store credit card. I called a number I found in the letter accompanying the card, and spoke to the fraud department at Target to have the card canceled and report the incident. They canceled the card and said I will be receiving information about my case in the mail, but I have not received that information yet. They also recommended I report the incident to the FTC.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I tried to make my first payment and wasn't able to from the TD bank website. I was only able to view my checking balance. When I tried to login through the credit card option on your website it took me back to my business checking balance. I asked about this in person, the manager thought I wanted to change my password and cleared my phone number which made it difficult to log in to check my balance or make the payment at all. From that day, I have had trouble logging into my account ever since. I've had to make payments in-person where there's been some confusion and I have had to rely on the temperament of the person serving me to make sure my payments go through. It is remnant of fraud because I'm not able to pay my bill on time and creates room to create a debt pitfall for me when I am able to pay without issue or login after not being able to see or pay my credit card balance. I got this card to strengthen my credit potential. I would not like my business relationship to end with this bank but I need to be able to make payments without my payments being held hostage. I don't want my payments and potentially my safety being in jeopardy every month I visit the bank to pay on time. I'd like to keep my relationship with this bank but I can not be left to dry with no security blanket. It's unfair to the consumer.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
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 moved from XXXX XXXX XXXX XXXX and have been trying to get TDAutoFinance to release our title to our new insurance company. I messaged TD via their portal XX/XX/XXXX to update them that we have moved and need to register our car in XXXX On XX/XX/XXXX I updated our address with them to reflect the move the XXXX and asked our insurance company to request the title to proceed with registration. By XXXX, nothing had happened despite calls and messages so the insurance company re-requested the title XX/XX/XXXX. In the interim, TD has given me multiple stories over multiple calls center and multiple hours and still WE HAVE NO TITLE. It is now XX/XX/XXXX. This has been going on for XXXX months. We are required by law to register our car in XXXX but TD is impeding our ability to do so! Also, we have not finished paying off the loan but I couldn't find a better option.
Company Response:
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A