Date Received: 2023-07-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/XXXX I was charged for a late fee. I contacted Nordstrom card services and spoke with following my hospital stay as I was diagnosed with a XXXX XXXX diagnosis. I explained the situation as to why I was late on my FIRST PAYMENT EVER and was told that I wouldn't be reported late. I was assured the issue would be taken care of so i didn't follow up with a credit report until now. I followed that call with a payment once i was out of the hospital Upon checking my credit report I indeed was reported as late. I called and spoke with the credit reporting team at Nordstrom and they would not help, nor look into the concern or issue. I am trying to purchase a home and this is affecting Me because of this.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: ERROR OCCURRED ON XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FOR PURCHASING ONLY ONE {$510.00} CASHIER CHECK, MY DEBIT CARD WAS BEEN DEBITED TWICE IT COULD BE HAPPENS EITHER BECAUSE : 1. EMBLAZZEMENT BY THE TELLER TO STEAL MY {$510.00} CASH DEPOSIT AT XXXXXXXX XXXX BY ORDERED ME TO PUT MY P.I.N. AGAIN FOR THE SECOND TIME FOR THE SAME TRANSACTION, FOR TELLERS REASON : THE FIRST TIME I PUT MY P.I.N. IN THAT TELLER MACHINE WAS NOT WORKING, WHEREAS IT WAS WORKING BASED ON THE FACT # 2, THAT IT ACCEPTED/PROCESSED MY {$510.00} CASH DEPOSIT AT XXXX XXXX PRIOR TO THE WITHDREW {$510.00} TO PURCHASE THAT {$510.00} CASHIER CHECK AT XXXXXXXX XXXX ( PS : THE TIME OF THIS WITHDREW AT XXXXXXXX XXXX. IS PRINTED ON THE TOP LEFT CORNER OF MY WITHDREW RECEIPT ). THE TELLER/HE LIED TO ME THAT THE FIRST TIME I PUT MY PIN ( AT XXXX XXXX. ) WAS NOT WORKING, ACCORDINGLY TO HIM, AS HIS REASON TO ORDERED ME TO PUT MY P.I.N. AGAIN FOR THE 2ND TIME FOR THE SAME TRANSACTION : WHICH WAS PURCHASING ONLY ONE {$510.00} CASHIER CHECK. HOW I CAN ASSUME THAT HE LIED THAT THE FIRST TIME I PUT MY PIN IT WAS NOT WORKING : PLEASE LOOK AT THE FACT # 1 : IN TD BANK DATABASE : IT SAYS THERE IS A DEBIT AT XXXXXXXX XXXX. FOR {$510.00}, WHICH I DIDNT KNOW ABOUT IT UNTIL I WAS BEEN TOLD BY TD BANK IN XXXX. THIS FACT # 1 : SPEAKS TO ITSELF THAT THE FIRST TIME I PUT MY P.I.N. AT XXXX XXXX XXXX XXXX WAS WORKING. WHY DID THE TELLER HAD TO LIE TO ME THAT IT WAS NOT WORKING TO MAKE ME PUT MY PIN AGAIN FOR THE SECOND TIME FOR THE SAME TRANSACTION, PURCHASING ONE ONLY ONE XXXX XXXX CASHIER CHECK? IT WAS A SUDDEN PLAN TO STEAL THE {$510.00} CASH DEPOSIT I BROUGHT IN TO PURCHASE THAT {$510.00} CASHIER CHECK. MY THEORY : A SUDDENLY PLAN OF THE TELLER TO EMBLAZZE ( STEAL ) MY {$510.00} CASH DEPOSIT I BROUGHT IN CASH. PERHAPS HE/TELLER HAS KNOWLEDGE HOW TO STEAL CUSTOMER MONEY AND HE KNOWS IF HE COULD CONVINCE THIS CUSTOMER TO PUT HER PIN AGAIN FOR THE SECOND TIME AFTER THE FIRST ONE, AND FOR THE SAME TRANSACTION OF PURCHASING {$510.00} CASH DEPOSIT SHE BROUGHT IN, PERHAPS WONT BE CATCH BY ME. HE TOOK THE {$510.00} CASH I HANDED IN AT XXXXXXXX XXXX. PLEASE BE REFERRED TO MY PROOF OF CASH DEPOSIT TICKET, IT IS PRINTED ON THERE THAT I DEPOSITED THE CASH AT XXXX XXXX PERHAPS HE HAD DONE IT BEFORE WITHOUT BEING CATCHED, IF THE CUSTOMER AS A VICTIM OF SCAMMER WAS NOT PAY ATTENTION. THE SEQUAENCE, WHICH CAME AT FIRST : TD BANK DATA AT XXXXXXXX XXXX AS FACT # 1 WHICH I DID NOT KNOW OR HAVE KNOWLEDGE UNTIL I WAS TOLD BY TD BANK THAT THERE WAS A DEBIT AT XXXXXXXX XXXX. IN TD BANK DATABASE. THIS TD BANK DATA ; IS A FACT # 1 : THAT SPEAKS TO ITSELF THAT AT XXXX XXXX THE FIRST P.I.N. I PUT IN THAT COUNTER TELLER MACHINE WAS WORKING. WHY DID THE TELLER LIE TO ME THAT IT WAS NOT WORKING TO PURSUE ME TO PUT MY P.I.N. AGAIN? IT WAS AN EBLAZZED TO STEAL THE {$510.00} CASH DEPOSIT I BROUGHT IN MONEY. HOWEVER : THE TELLER DID NOT GIVE ME A WITHDREW SLIP TO BE SIGNED BY ME NEITHER ISSUED ME RECEIPT FOR WHAT THE TD BANK DATABASE SAYS : THERE IS A DEBIT AT XXXXXXXX XXXX. FOR {$510.00}. THIS CAN BE MAKE AS A FACT # 1. ( A ). ( PS : WHAT HAPPENED AT XXXXXXXX XXXX. WAS NOT KNOWN BY ME UNTIL I WAS BEEN TOLD ON XXXX ). TD BANK DATA AT XXXX XXXX. AS FACT # 2 : AS SOONER AFTER I PUT MY PIN FOR THE FIRST TIME : I TOLD THE TELLER : HEY, YOU ARE SUPPOSEDLY TO DEPOSIT MY {$510.00} CASH DEPOSIT AT FIRST, BEFORE YOU ISSUE ME A CASHIER CHECK. ( WHICH I WANTED TO USE TO PURCHASE THAT {$510.00} CASHIER CHECK BY BROUGHT MY CASH {$510.00} TO THE TELLER ). IN MY CASH TICKET DEPOSIT IS PRINTED THE TIME OF DEPOSITING THAT {$510.00} CASH. IT IS AT XXXXXXXX XXXX THIS IS A FACT # 2 : TD BANK DATA AT XXXX XXXX. SPEAKS TO ITSELF THAT THE FIRST TIME I PUT MY PIN WAS WORKING. WHY DID THE TELLER LIE AND TOLD ME TO PUT MY PIN AGAIN FOR HIS REASON THE FIRST TIME WAS NOT WORKING, WHEREAS ACCORDINGLY TO THE TD BANK DATA, IT WAS WORKING? PERHAPS, THERE WAS A SUDDENLY EMBLAZZE PLAN TO STEAL MY {$510.00} CASH DEPOSIT I BROUGHT IN CASH TO THE TELLER. 2. HONEST MISTAKE BY THE TELLER AT XXXXXXXX XXXX ORDERED ME TO PUT MY DEBIT CARD P.I.N. AGAIN FOR THE SECOND TIME FOR THE SAME TRANSACTION OF PURCHASING ONLY ONE {$510.00} CASHIER CHECK. AS SOONER AFTER I PUT MY P.I.N. FOR THE FIRST TIME AT XXXX XXXX. ( PS : ACCORDING TO TD BANK DATA I WAS BEEN TOLD, OUT OF MY KNOWLEDGE UNTIL XXXX ). I INTERUPTED THE TELLER BY TOLD HIM THAT I WAS SUPPOSDLY TO DEPOSIT MY {$510.00} CASH AT FIRST BEFORE PURCHASING THAT {$510.00} CASHIER CHECK, SINCE THE TD BANK REAQUIRES THAT THE FUND TO PURCHASE THE CASHIER CHECK HAS TO BE FROM TD BANK ACCOUNT. ALTHOUGH I HAVE ENOUGH MONEY ON MY TD BANK ACCOUNT TO PURCHASE THAT CASHIER CHECK, I BROUGHT IN CASH BECAUSE I ALSO WANTED TO BUY XXXX XXXX CASHIER CHECK AND I WAS AFRAID IT WOULD CAUSE MY ENDING BALANCE LESSER THEN THE REQUIRES {$250.00} MINIMUM BALANCE ON MY ACCOUNT OR OTHERWISE WILL GET MONTHLY CHARGE. THEN HE/THE TELLER PROCEEDED MY CASH DEPOSIT INCLUDED GAVE ME A DEPOSIT SLIP FOR THAT {$510.00} DEPOSIT AND ISSUED ME ITS RECEIPT BESIDES I HAVE CASH DEPOSIT TICKET WHICH PRINTED THE TIME ON IT : AT XXXX ; XXXX XXXX. THIS IS THE SECOND FACT # 2 : THAT TD BANK DATA AT XXXXXXXX XXXX. THE P.I.N. I PUT FOR THE FIRST TIME WAS WORKING. WHY DID THE TELLER LIED TO ME THAT IT WAS NOT WORKING TO CONVINCE ME TO PUT MY P.I.N. AGAIN? WHEREAS EVERYBODY KNOWS THAT IF THE DEBIT CARD/CREDIT CARD IS BEING SWIPED MULTIPLE TIMES, IT WILL CAUSE CHARGED MULTIPLE TIMES FOR A SINGLE ONE TRANSACTION. IS THIS an HONEST MISTAKE OR EMBLAZZEMENT BY THE TELLER TO CAUSE MY {$510.00} CASH DEPOSIT I BROUGHT IN DISAPPEAR? HOWEVER, MAY BE IT WAS AN HONES MISTAKE : A HUMAN ERROR. PERHAPS HE FORGOT OR HE DIDNT KNOW THAT HE HAD TO CANCEL THE FIRST ONE I PUT MY P.I.N. AT XXXXXXXX XXXX. BEFORE PROCESSING MY CASH DEPOSIT I BROUGHT IN MONEY AT XXXX XXXX. IT IS PRINTED ON MY CASH DEPOSIT TICKET RECEIPT, THE TIME IS : XXXX XXXX FOR THIS CASH DEPOSIT {$510.00} TRANSACTION : HE GAVE ME A DEPOSIT SLIP AND ALSO ISSUE A CASH DEPOSIT TICKET. FROM HUMAN ERROR ( TELLER ERROR ) MENTIONED ABOVE, HAD CAUSED ( DISTURBED ) THE TD BANK SYSTEMS WAS BEING DISTURBED, AND IT CAUSED TD BANK SYSTEMS MADE AN ERROR, BY REQUIRED ME ( THE CUSTOMER ) TO PUT MY P.I.N. AGAIN FOR THE SECOND TIME, BECAUSE IT DIDNT KNOW THAT IT IS THE SAME TRANSACTION THAT THE TELLER FORGOT TO CANCEL IT.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I contacted XXXX on XX/XX/2023 after receiving an email saying that there was a problem with one of the documents I uploaded to verify my identity. On that call I asked the agent why didnt my mortgage statement suffice that I not only owned my home but lived there and she decided to get unprofessional and I asked to speak to a supervisor. However while the call was being transferred I was hung up on. I called again on XX/XX/2023 about being sent another document upload link to upload a copy of another bill. On that call I once again dealt with someone unprofessional who began to over-talk me. She did tell me that on my call that I made on XX/XX/2023, I stated the application was fraudulent. I said I never said anything about the application being fraudulent only that I didnt want to keep sending in all of my information because I dont know if any of them do fraud and will steal my information. I then asked to be transferred to supervisor and thats when I spoke with XXXX. She like all the other agents tried to over talk me and the proceeds to tell me that I did say the application was fraudulent. I said well then the call needs to be listened to and she responded theres nothing we can do and then refused to give me her employee ID when I said I was filing a complaint. Ill NEVER SHOP AT TARGET again because all of this felt like retaliation because I told the rep on XX/XX/2023 to talk to my respectfully and when she chose not to I asked to speak to a supervisor in which she hung up on me instead. Im also getting a lawyer involved since Target XXXX likes to use retaliation tactics to dismiss potential customers
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I got a notice yesterday that a hard inquiry hit my credit report and I have not applied for a new line of credit. The retailer is XXXX and Ive reached out and reported the fraud. What i find odd is that they used my info to open the card but my mothers email address for the acct. idk whats going on. ( I know my mom didnt do this bc shes not sketchy ).
Company Response:
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: TD auto finance is showing my car payment late 30 days late multiple times when there was errors with there end and I have paid in the branch which they allow My monthly payment it XXXX and in the month of XXXX XXXX XXXX of 2023 they reported me each month 30 days late.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have TD Beyond Checking account which has been opened for several years. In addition to the Checking account I also have two savings account. My checking and one of my savings is in my name alone and my other savings is joint with my husband. XXXX the total dollars on deposit is over {$200000.00}. On XX/XX/XXXX, we went to our local TD Bank Branch located at XXXX XXXX XXXX, XXXX XXXX PA to open a safe deposit box. We were told that based on the relationship and checking package that I have with the bank, I would be entitled to XXXX box, first year free and then 50 % off each subsequent year. They did not have a XXXX box available, and therefore had to settle for a XXXX '' XXXX ''. We were told that we would still get 50 % off the subsequent years because the box size was not available. Since that time we have been charged {$90.00} for the box without any discounts applied. About a month ago we visited the branch to access the box and inquiry on the discounts. We were told by the teller who was assisting the only Customer Service Rep that was on duty that day ( happened to be a manager ), that he was going to credit are my account for the discounts that I did not receive. The credit never was applied to my account. I then called their customer service number because it is always hard to speak to someone over the phone at the branch and explained everything to customer serivce. They reiterated that I am entitled to a 50 % discount on my safe deposit box and for me to go back to the branch as they could not handle the refund. I told them that I had already visited the branch and nothing was done and asked them to have the Branch Manager call my husband to discuss. No phone call was ever made to my husband. Today, XX/XX/XXXX I called the local branch and spoke to a woman and explained the situation. She was very snarky and told me that I would have to speak to XXXX, the manager, however he was on vacation until Wednesday XX/XX/XXXX. I told her that XXXX was supposed to call me and again in a snarky demeanor, she he was on vacation. I asked why she could not handle my request to which she replied that I would have to wait to discuss with XXXX the manager, again in a snarky manner. Unfortunately, I did not get her name.
Company Response:
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX business days.
Company Response:
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The incident started on Saturday, XX/XX/2023, around XXXX XXXX at the TD Bank branch at XXXX XXXX XXXX in XXXX NY. I deposit on the ATM machine {$700.00} Cash and all of a sudden after giving my money to the machine slot, it said on the screen : " We are unable to provide the details of your deposit at this time. Please retain the receipt for your records. '' The ATM printed a receipt for me for further proof of my deposit. I looked at my TD app on my phone and it indicates that the {$700.00} was deposited but on HOLD. I waited until Tuesday, XX/XX/2023, and I saw a negative - {$690.00} on my app & I immediately called TD customer service, and told me to go to the branch where the incident occurred. I went and spoke to a representative name XXXX and filed a claim on the issue. After that, I kept calling for further updates and didn't receive an update until Monday, XX/XX/XXXX that my claim was denied and said that the Fraud department didn't see any error. They will do another claim and wait XXXX business day. On XX/XX/XXXX I went back to the TD branch in XXXX and spoke to XXXX again and made a few phone calls about this issue, but no help or options. So He had to do another claim. I called today XX/XX/2023 for an update since I filed 2 claims ( XX/XX/XXXX customer service & XX/XX/XXXX branch ) customer service told me they denied again the claim I made on XX/XX/XXXX at the branch with XXXX and that the claim on XX/XX/XXXX is still on going and to wait another 5-7 business days. I told them : " how can I be denied twice? This doesn't make any sense. I always deposit cash in the atm machine of {$700.00} for rent purposes and that you can see in my previous statements. And now this was the issue that occurred and I can't trust my money the next time I want to deposit cash at Td bank. I'm like : " you can't see through the cameras of me depositing cash and a printed out receipt as proof of my deposit, which I still have the original. They kept repeating to wait for the next claim response.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I try to depocit {$1800.00} the ATM only read {$800.00} with out asking took the money and depocit with XXXX problem it was {$1800.00} XXXX contact the phone number is on the recieved and they tell me I have to get in touch directly with the bank When I did that they did depocit {$1000.00} but in XXXX days o so they took it away and it being doing this for 5 month
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a VPN, even at times that doesnt work properly. I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, TD Bank reported 30 days late to my credit report. I have since paid off the account to prevent any further issues from their geoblocking.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A