Date Received: 2023-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act convergent account from TD Bank account number XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I would like the late payment reported to the credit buraus to be changed to paid as agreed on time.
Company Response:
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Allegedly on XX/XX/2017 this account was opened according to XXXX. But their is no paper trail at all on my credit report form XXXX everything is blank. On XX/XX/2017 XXXX & XXXX states this account was opened. XXXX has it marked as a charge off and XXXX marks it as paid off. Due to the inconsistencies between the 3 bureaus and incorrect information I'm sincerely asking you guys to please remove this derogatory account off of my credit report. I'm a military veteran that is trying to do major things for me and my family like get a bigger vehicle and purchase a home but this is one of the things that has me pigeonhold. As per the Fair Credit Reporting Act which touches on the the right to address incorrect information on your credit report, please remove this account I ask humbly. Thank you for your time.
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I tried to make a cash deposit in the TDBank ATM at XXXX XXXX XXXX XXXX XXXX. The ATM took my cash, exactly {$500.00} and then malfunctioned and flashed a message indicating that I should take my cash. But there was no cash to take. I noticed that some bills were visible inside the slot but I could not get a grip on them. After some effort I did manage to extract {$40.00}. The ATM then messaged me to see someone inside the bank, and a few seconds later it said OUT OF ORDER '. I went into the bank and sat with someone who filed a complaint but told me she could not operate the ATM directly. Four days later I received a letter from TDBank denying my claim. But I noticed they had investigated the wrong ATM ( XXXX, XXXX ). I went back to the bank again on XX/XX/XXXX and was told the system was down. I left my information with a bank officer who assured me he would take care of my issue when the system was back up. I returned to the bank again on XX/XX/XXXX and was told my claim w as not filed as I'd been promised. A manager I sat down with filed a claim with the correct information ( I assume ). Today, XX/XX/2023, I returned to the bank for the fourth time. I sat down with the person who filed my original claim ( with the erroneous information ). She seemed very confused and unable to provide any useful information. After 30 minutes, I left the bank. They still have my {$460.00}
Company Response:
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I enjoyed my relationship with Nordstrom/ TD Bank USA and appreciated the services they extended to me in the past. Past financial issues caused me to miss payments despite my best efforts to always be on time. I wrote to see if they would be willing to make a goodwill adjustment to the reporting of the three credit agencies. During the time of service that I had with their company, I was unemployed for a year following being laid off from my job. In XXXX of 2022, my unemployment funds were depleted and by XXXX of 2022, I was being evicted from my apartment. I strived but failed to complete payments on time. I want them to know that I understand my financial obligations and if it werent for my lack of funds, Id make an excellent repayment record. Ive had the misfortune of falling behind but I have been committed to cleaning up my mishaps and I believe these missed payments do not reflect my creditworthiness and commitment to repaying my debts. I am kindly asking that the company considers this and assist me in improving my current circumstances. Im planning to apply for an apartment to resolve my homelessness and its come to my attention that the collection on my credit report could hurt my ability to qualify. It would help immensely if the company could give me a second chance and make a goodwill adjustment to remove the collection
Company Response:
State: IL
Zip: 60652
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Spoke to customer service three or four times since XXXX charge. Last communication was a few weeks ago. Customer service informed me that in a week to 10 days a credit for the charge would be applied as per her manager. Since then no credit had been received. These bills were from XXXX XXXX XXXX as follows XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX In XXXX when TD credit card bill arrived they were contacted about the error. I then called XXXX & XXXX they weren't aware of any charges. When TB Bank was informed was told belling would be corrected. After numerous attemps credit not applied. TD Bank account ending in XXXX. Thank you XXXX XXXX
Company Response:
State: NJ
Zip: 07430
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I got charged ( {$470.00} ) to my red card that something I did not buy. Target store refused to check the camera. I am fighting for a months with target to dispute charge. I went to Target store to buy XXXX Gift for my son. My son grabbed gaming machine and other toys ( XXXXXXXX XXXX XXXX XXXX : total of {$470.00} ). My father tried to use his credit card. His credit card did not work. So we decided to buy only the XXXX toy ( {$50.00} ) with my target red card. I informed to the cashier that I will only buy the lego. Cashier informed me that she would not charge other items and only charge the lego. I received the receipt only for the lego toy. A few weeks later, I realized that gaming machine XXXX, XXXX, other toy were charged to my card ( {$470.00} ). I never purchased those and never received the receipt. I processed the dispute for the charge to Target and requested them to check the surveillance camera. Target did not check the camera and denied my dispute for three times. Target stated that this is valid charge since the pin number was used. I used pin number to purchase the lego. XXXX is very expensive gaming machine ( {$400.00} ). It would be easy to track that inventory or check the surveillance camera if I really made the purchase or not. Target did not perform any of those and refused my dispute.
Company Response:
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Dear XXXX XXXX, I am reaching out to you both because I need your help! I have recently experienced a traumatic and awful experience as a customer at TD Bank. On the evening of XX/XX/2023 I realized my debit card ending in XXXX was not in my possession because I received an email from TD Bank thanking me for linking my account to a XXXX XXXX account of which I don't have nor did I ever have. This email prompted me to look at my app on my iphone to see if my account was intact and to my horror it was not. I witnessed numerous charges from XX/XX/XXXX to XX/XX/XXXX that were not my charges. I called TD Bank right away and informed them that my card was not in my possession and please block the card. The next morning I went to the bank to prompt an investigation into the matter. The investigation was started by XXXX XXXX XXXX cost center XXXX as we went over all the charges I informed XXXX XXXX some of my charges were included within the total and we began working on separating my charges from the fraudulent charges and came up with a total of {$1500.00}. I was then informed by XXXX XXXX to contact in a few days as the protocol was to allow all the charges to be cleared before anything could be done. In the process I kept monitoring my account in hopes that the fraudulent charges were in fact cleared as per XXXX XXXX and in doing so I did notice a few charges of mine were mixed in and confirmed the real total due back to me was in fact XXXX. I reached back out to XXXX XXXX to no avail therefore I went back into the bank and XXXX XXXX was on a call so I spoke to two of her colleagues and they informed me that my investigation was denied. I was in shock then and I am in shock now at the lack of support from TD Bank in this regard. I am also dismayed by the denial of the investigation because it has resulted in me experiencing a financial loss that I had nothing to do with at all. I have not been made whole and I honestly believe TD Bank doesn't care. I was informed to submit to another investigation however it was not guaranteed I will be made whole as they had no control of the outcome. I was treated as if I were a criminal even though I took the financial loss with no assistance whatsoever from the TD Bank. Please note this is not the first time I was treated as such. Prior to these recent fraud charges incurred on my account I have experienced this twice before and both times I was treated as a criminal where I was forced to file a police report even though the bank alerted me to the fraudulent activity. In this particular instance I tried to use my debit card and it was blocked without my knowledge. I went to the bank to find out what was going on and they informed me that they noticed some charges that did not coincide with my normal activities and yet they treated me as if I were a criminal when I tried to get my money back. Somehow someone was able to use my card even though I had my card in my possession and I was at work in XXXX and all the charges were in New Jersey. The second time this happened I lost my card while shopping at XXXX in XXXX and didn't realize I lost it until I got home. Immediately I went to the bank to have them block the card, while I was actually at the bank charges were being incurred in real time, yet I was treated as a criminal in that instance as well. I was not made whole in this instance until about 6 months after the incident because for some reason I was sent a survey on my experience and I really let them know about my experience and then and only then I was made whole. This time is a bit different because it is the most amount of money I have ever been robbed of and my bank did not protect me at all. Just as other banks, TD Bank should always honor their customers when it comes to any fraudulent charges the customer may experience, especially knowing how prevalent and chronic fraud has become. To make customers feel like they are not regarded, protected or believed is such a red flag in customer service especially for me who is a long time customer with TD Bank. I am hoping you all will be able to assist me with this awful situation I find myself in. I am truly hoping you both will be able to assist me with having my money returned to me as I feel all alone at this point without any support from my own financial institution. I look forward to hearing from one of you, if not both as soon as possible. Kindest regards, XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I called the Nordstrom credit card to complain about the unauthorized charged in my account. the charged was on XX/XX/XXXX. the amount of {$680.00}. they said they will investigate the matter. and today they send me the letter says that closed the investigation because they 'attempted to call me several times but haven't been successful to have some more information. I having XXXX XXXX so I'm in pains and want to rest all the time, so I don't answer calls or anything. But, at least they post the massage on my account in their website, because I checked the message box in my account I did not see any message. Or at least send me a letter. One more thing. when I called and first they said the couldn't go back that far. because I'm sick so I did not pay attention with my bill, I just pay the amount. And now I transfer the balance to another card that why I review and see the matter. that's why it's happened in XX/XX/XXXX but I just disputed it now. I would like to Reopen the investigation of this matter.
Company Response:
State: CA
Zip: 91732
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please see below regarding current late payments in last 12 months dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TD Bank/Target XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a misuse of my rights. This is not accurate these late payments it is violating my fair consumer right please remove these late payments they are inaccurate and violating my consumer rights I am exercising your right under the FCRA, section 609, I am requesting all information related to debts listed on your credit report. I am entitled to all documents related to each item, including each original credit application and contract containing your signature. In addition I am requesting information about items in your inaccurate the credit bureau that if they can not verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was in the XXXX are of XXXX on XX/XX/2023. I got up at a private home, packed the rental car and drove to the airport. I made one stop to get gas, and that charge appears on my TD credit card statement and is legitimate. I then proceeded to the airport and did not use the card again in XXXX. When I got home and saw my transactions, I noticed that after the gas station charge there was another charge in the amount of {$310.00} US dollars for an alleged purchase at a restaurant called XXXX XXXX XXXX XXXX XXXX. I have never heard of that business, have never been to that business, and did not use my credit card at that business on XX/XX/2023. I searched that business name on line and the only thing that comes up is a business in XXXX XXXX that says it is temporarily closed. ( I was not anywhere near XXXX XXXX on XX/XX/XXXX. I have never been to XXXX XXXX. ) I suspect that when I was at the gas station, an unscrupulous attendant ran the card twice, once for my gas and then for a fraudulent transaction. On XX/XX/2023 I faxed TD Bank a dispute based on fraud with TD Bank and while they issued a new card number to me, they denied my fraud dispute the next business day because I was in possession of the card. Yes, I was in possession of the card -- I didn't lose it and it wasn't stolen. But just because you are in possession of a card doesn't mean that fraud can not occur. I question whether TD Bank even investigated the matter based on how quickly the dispute was denied. For example, did they try to contact the merchant in XXXX to see if they were a legitimate business? I doubt it. I do not think a proper investigation was conducted and am therefore filing this complaint. Just because the card was in my possession does not mean that fraud did not occur! Thank you.
Company Response:
State: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A