Date Received: 2023-08-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My TD bank credit card ending XXXX expired XX/XX/23. I never received a new replacement card, and I didnt notice since I rarely use this card. I only used this card to charge XXXX auto insurance premium & balance transfer checks in the past. On XX/XX/23 I made a payment to XXXX using this card, so I checked the billing statement. I was shocked to find out there were many fraudulent charges between XX/XX/23 to XX/XX/23 for a total of {$11000.00}. I called TD bank to dispute & also found out that TD bank did send out a new replacement card which I never received. I strongly believed my new card must have landed in the hands of the criminal. It was too late to find out the card was stolen since damaged were done. I was concerned if I was a victim of identity theft or TD bank failed to provide sufficient security measures so the criminal was able to activate my replacement card? On XX/XX/23, TD failed to reach out to me for verification for a large payment of {$10000.00} to XXXX XXXX which I didnt know the nature of business & any contact information. It appears like a scam since I found no clue of this company in my search. Then with the TD bank lacking security, the criminal continued using my stolen card purchasing in various stores in XXXX wheres distance from my residence in XXXX. Again, TD bank failed to detect unusual card activities & irregular purchases patterns. I filed a police report. I informed the credit unions. I filed disputes with TD bank without success. I dont understand why TD bank denied my disputes while they claim credit card XXXX liability with unauthorized changes. I am reporting this problem to your agency, hoping you could direct TD bank to do a thorough investigation on my case, bringing true answer to light. I trust your agency can do everything in your power to protect consumers including me against fraud. Thank you!
Company Response:
State: NY
Zip: 11361
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have recently obtained copies of my XXXX, XXXX, and XXXX consumer reports, and upon review, I observed that you have reported my transactions and experiences. Specifically, there is a late payment entry that you have posted on my consumer report :
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: On or about XX/XX/2023, I requested, via email, that TD Auto Finance reduce my interest rate on my auto loan under the Ohio SCRA which differs from Federal SCRA and apply interest rate credits accordingly. I attached my Ohio Active Orders to my email. Ohio SCRA Section 7.1. specifically states : To help ease financial burdens created by active military service, Section 527 of the SCRA provides servicemembers with a 6 % interest cap on all debts incurred prior to XXXX XXXX, interest cap on all debts, not just those incurred prior to XXXX XXXX [ emphasis added ] On or about XX/XX/2023 I obtained a letter via USPS requesting a copy of my Ohio Orders which I provided my Orders again and returned on or about XX/XX/2023 via USPS tracking and TD Auto Finance received XX/XX/2023. On XX/XX/2023, I contacted TD Auto Finance for a status and was told to contact a representative and was provided a telephone number to call. When I called the message stated that all representatives were busy and I could not leave a message after holding on for several minutes. I have not received a response from TD Auto Finance regarding the SCRA for current/ future payments and credits. I am requesting a status of the interest rate reduction and credits.
Company Response:
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made my payment to the Yard Card TD Retail Card Service. I was unaware of a large insurance payment that was coming out of my checking account and my payment to Yard Card TD Retail Card Service did not go through due to insufficient funds. Yard Card TD Retail Card Service in fees and then lowered my credit limit to below what I currently owe directly impacting me to be over my credit limit with them. They make the process of getting information cumbersome XXXX employee XXXX was the employee I spoke with. This is a destructive practice causing great harm to my credit.
Company Response:
State: WI
Zip: 54403
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Well this is awkward, the company TD Bank has yet to pay the escrow amount to the owner. As of XX/XX/XXXX, the entire mortgage amount was PAID IN FULL, and therefore the company TD Bank had NO OWNERSHIP in the property. However, they had collected escrow payments in the amount over {$6000.00}. These finds have not been paid to the rightful owner of the property and as of XXXX they appear to be delinquent by over 89 days. Please report the record the TD Bank Mortgage company ( Operations Center, XXXX XXXX XXXX, XXXX, ME XXXX ) as delinquent by 90 days in returning their escrow funds. I have been gracious in letting them know multiple means including a closing company, they are not the owner, and they have been informed by multiple people they no longer have any ownership stake in the property ; however, those funds have not been deposited and therefore are considered delinquent. Since these funds amounts are over {$5000.00}, please let me know if you would consider this a criminal matter or whether it should be referred to a fraud division.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Hello, This past XXXX I made a purchase at XXXX XXXX and used their in-house financier - TD Bank to fund the purchase. XXXX let me know I wouldn't have to pay the fee until the items arrived which was some time in XXXX. They also let me know TD would be sending me a welcome packet with account information so I could setup bill pay. It wasn't until XX/XX/17 that I finally heard from TD Bank in the form of a collections note. I immediately paid the bill over the phone and asked for all my bills to be sent to me moving forward so I could access my account number. During the rest of XXXX and the month of XXXX I made XXXX more phone calls to TD Bank and spent at least XXXX hours on the phone trying to get my account number. My first bill didn't arrive until late XXXX so I missed another payment for an account I couldn't access nor did I have any knowledge of the amount due. During this time my credit score dropped from XXXX to XXXX all because TD Bank failed to send me any account information or a bill for XXXX months. And they've had the audacity to add late fees to my account. They were also supposed to send me a credit card however it still hasn't arrived. As I understand it you will be sending the complaint directly to the company but if I've already complained to them several times asking for a simple bill that took them months to deliver how will this help me? Thank you for your help. XXXX
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My complaint is with Nordstrom card services. I have a Nordstrom Visa card. In the past, I've had late payments so I've been doing better about making on-time payments. Also, the payments I made were larger amounts than usual. The reason was, I had to take my car to get repaired and had planned on using said card. I made a payment of {$450.00} on XX/XX/XXXX. I was taking my car to the dealership the following Tuesday and wanted to ensure that there would be funds available on my card. I called Nordstrom on Mon XX/XX/XXXX at XXXX. Long story short, they told me that my payment was on hold for a week to 20 or so days. When I asked why, they said for suspicion of " Money Laundering '' because that was the second large payment I made in XXXX. I was very offended and asked to speak to a supervisor. The agent I was speaking with put me on hold for about 5 or 10 minutes. I never spoke with a supervisor but the female agent I spoke with came back and said the hold had been removed. I am a single mother, I work p/t and go to school p/t. I am trying really hard to stay on top of my payments. BUT, I feel like this money laundering comment is a form of profiling and it is WRONG. Do I have to worry about this every time I make a larger payment?? After this experience I want to pay them off and close this card.
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: To Whom It May Concern, I am writing to file a formal complaint regarding a recent issue I experienced with TD Auto Finance in relation to an auto loan extension. I believe that the company 's actions have caused undue stress and financial inconvenience, and I request your assistance in resolving this matter promptly. On XX/XX/2023, I utilized the TD Auto Finance website to request an extension payment for my auto loan. The website allowed me to process a {$50.00} payment and even calculated additional interest on my loan balance. I assumed that my request for an extension had been approved and processed accordingly. However, to my surprise, approximately two weeks later, I received a notification stating that I had a missing payment on my auto loan. Immediately upon receiving the notification, I contacted TD Auto Finance 's customer service to inquire about the discrepancy. To my astonishment, the representative informed me that despite the website granting me an extension and processing the payment, I did not actually qualify for the extension. I was further told that the website should not have allowed me to request an extension in the first place due to my ineligibility. This situation has left me in a state of confusion and financial distress. I acted in good faith by using the TD Auto Finance website to request an extension, and I assumed that my request had been approved based on the payment processing and the additional interest charges. However, it appears that the website 's functionality and the information provided were misleading, leading me to believe that I had met the necessary criteria for an extension. I am writing to you today to seek your assistance in resolving this matter. I firmly believe that TD Auto Finance should honor its original commitment, regardless of any errors on its part. The company 's failure to properly communicate its eligibility requirements and the subsequent contradictory actions on the website have caused me significant inconvenience and financial strain. I kindly request that the Consumer Financial Protection Bureau intervene in this matter and work with TD Auto Finance to rectify the situation. Specifically, I ask that TD Auto Finance be required to honor the extension that was erroneously granted to me through their website. This would provide a fair and equitable resolution to the matter, alleviating the undue financial burden that their actions have caused. Thank you for your attention to this matter. I appreciate your dedication to protecting consumer rights and ensuring fair practices in the financial industry. I look forward to your prompt response and a positive resolution to this issue. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 12866
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Nordstorm store card substantially reduced my available credit from {$10000.00} to {$1000.00}, without any wrongdoing on my part. This caused a change of my debt to income ratio and drop of the credit score, all while I am in the process of mortgage application. I consider this action a manipulation and unfair treatment.
Company Response:
State: WA
Zip: 98198
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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 filed a complaint with Nordstrom credit card concerning a late payment that was placed on my account. The company did not PROPERLY address the ORIGINAL issue and complaints and responded that they made me aware that late credit reporting can't be altered ... ..after the fact and actual events that occurred other than what I was told and reassured upon. The complaint is that it shouldn't have never been reported late as I was told my account will not incur a late payment report due to my XXXX XXXX but I was. So that's an error on the Card company not the actual consumer, therefore changes can be made. It's not fair, good customer service or ethical to assure as a company that something won't happen especially when it comes to a pandemic such as COVID.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A