Date Received: 2023-11-24
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Purchased the product from XXXX on XX/XX/23. Sales rep filled out all paperwork in front of us so we could do payments on the product. Sales rep informed that payments would not be requested from their second party payment service until 30 days after delivery. XXXX occurred on XX/XX/23. By XXXX nothing had been sent to our address concerning a statement or credit card. XXXX was called to attempt to get information but we were told they had no access to this information, only the company. Attempted to contact the company, TDfinancing, multiple times throughout the span of a week and was only able to speak to an actual representative once who referred us to the same automated questionnaire that required an account number to access our account to make payments. We do not have an account number and have tried to obtain this information multiple times with no response unless we are able to provide the account number we were never given. We received only XXXX email from the company in a promotional form but nothing has been sent through the mail or through email with information to get us signed up and started to make payments. An email was sent to the company on XX/XX/23 after we became hopeless that calling the company would yield any help ; no answer has been received in response to the email. The company site advised they will respond within 30 days, however, it seems very unlikely with our experience and as that timeframe begins to come to a close that any response or help will be given.
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have been unable to sign up or use XXXX with TD Bank, their XXXX support sent a report to XXXX whom refused to lift restriction, in which case, a separate complaint filed against XXXX in XXXX ... XXXX replied by stating the number used to sign up for XXXX, XXXX XXXX XXXX, shows no such restriction, advised to sign up again, in which case, same error message, " we've restricted access to this service ".
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: I made a wire transfer on the XXXX of XX/XX/2022 of {$17000.00} through TD BANK to XXXX XXXX XXXXXXXX XXXX account of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has received the funds but the recipient has not received any funds yet. XXXX XXXX is still holding the money without sending me a refund nor sending it to the intended recipient. TD bank says they can not recall the money since it has already been transferred. Kindly help me to retrieve my money bank. Thank you
Company Response:
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 that states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, I am the consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 that states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX, Nordstrom and XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 in section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, XXXX XXXX and Nordstrom and the Consumer reporting agencies XXXX, XXXX, and XXXX did not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) clearly states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, Nordstrom and XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Also 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A also states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Thank you.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XX/XX/XXXX, patients of {$490.00} was late 30 days during the Corona Virus pandemic time, I was ill with XXXX was staying home till well, then back to work, by the time I received my check to pay TD auto loan payment, it was 30 days late so the company put it in delinquency with the credit bureau, Ive took care of it as soon as I received my money and now XX/XX/XXXX, my TD auto loan is pay in full so Im asking for the delinquencies to be disputed or removed. As I check back on the statement it show that Ive made 2 payments in XXXX of XXXX, {$520.00} and XXXX both was credited on XX/XX/XXXX which only XXXX payment of XXXX is supposed to be made, so I believe its an error as well and its not 30 days pass due
Company Response:
State: CA
Zip: 92585
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The bank has stolen about XXXX usd dollars out of my checkings account without notifying me or without permission for no reason at all. I need my hard earn money back immediately and i want this resolved. The bank was TD and i also would want an investigation behind the scenario. I need my money back!!!
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: TD bank gave me a phone number for XXXX. I was trying to give apple a new debit card number because my card had been compromised. TD Bank gave me a fraudulent number to call. It is NOT XXXX. TD bank manager knows they gave out a wrong number and they declined my dispute on all the charges
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I recently set up an account with TD Bank Card Services to finance the purchase of a lawn mower and was provided a XXXX credit card with a 48 month interest free period through them. The account was applied for on XX/XX/23 and I received my first correspondence from TD Bank on XX/XX/23 at which point I promptly set up my online account and automatic payments. The first bill due date was XX/XX/23. I noticed that auto pay pays the bill on the due date and I reached out to TD Bank customer service expressing concerns about any potential glitches on their system whereby the ACH payment would not process thus making my bill late and was reassured by the representative at that time, in an almost laughing tone that I did not need to be concerned about that happening. On XX/XX/23, wanting to be clear as I was still unconvinced by this call, I made a payment of {$300.00} which was marked as posted and credited to my TD Bank account on XX/XX/23. I again reached out to customer service because while TD Bank was crediting me for the payment and marking it as posted no money had been pulled from my bank account and my bank had no record of incoming ACH transactions from TD Bank. The rep again reassured me that everything was fine and that it could take up to 4 business days ( it had been 5 at this point ) Wanting to make sure I was in the clear I made an additional payment of {$150.00} ( the minimum was {$140.00} ) on XX/XX/23, on top of that my auto pay was also credited so at this time TD Bank had credited me with XXXX payments on the account ( {$300.00}, {$150.00} and another {$150.00} ) none of which were pulled from my bank account. In all I have made about 10 phone calls and sent 3 messages to TD Bank about this matter and gotten know where. On XX/XX/23 the payment of {$300.00} was reapplied to the TD Bank account and I was assessed a return check fee of {$25.00}. The other 2 payments have not yet bounced back, but in talking to the rep on XX/XX/23 they verified with me that the account and routing numbers I provided matched that of the numbers on my XXXX XXXX XXXX and reps from XXXX XXXX confirmed that the numbers on the checkbook are valid. Additionally I use those same numbers to pay XXXX other credit card company which process my payments with no issue. After the rep had confirmed the numbers for me, I logged into my XXXX XXXX account got another XXXX based routing number from my account and set up a new payment, this time for {$450.00}. After submitting that payment it again never posted and this time was never credited so I canceled the payment and submitted another payment of {$450.00} on XX/XX/23. I have made way more attempts at resolving this and given this way more effort that TD Bank and it almost feels like their payment issues and continued reassurances are intentional to disqualify me from the interest free promotion.
Company Response:
State: MI
Zip: 49201
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no knowledge of these inquires, listed as - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Tdbank ( target ) - XXXX ( XXXX XXXX ) - XXXX XXXX
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2023, I made a payment of the entire account balance prior to the due date of XX/XX/2023. The credit card immediately applies the payment and any potential availability of use of the new credit limit the same day or the following day if made by a certain time that day. Target is not doing so in my situation. They are stating they are placing a hold on my account for which they do not have a valid justification, nor do they do the same to other customers in the same situation.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A