Date Received: 2021-11-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was noticed that a new checking account was opened with the bank I currently use. I received a new debit card in the mail, to my current address, but not the address that I have on my account. I spoke with my bank and reported the fraud, but I am now unsure how they have obtained my information.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I had listed an item on XXXX for {$1000.00}. The seller had offered to pay me in a check. As I had received the check and cashed it into my account, a few days later the scammer had done some sort of hacking which led to a deduction of {$2900.00} from my account and I am left with a - {$240.00} in my checking accounts. I have no money on me, cant pay a single bill, cant pay for college, cant get food, no transportation, nothing. Kindly please get back to me. Scammers XXXX account- XXXX Phone number- XXXX ( XXXX ) XXXX
Company Response:
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: TD bank closed my accounts in XXXX. I went to the local office asked the reason, the agent got a response for no reason, only according to company policy. On the same day, The agent checked out my account and paid off all the balance. After two months I got a letter from TD bank in XXXX, there is still a balance on my account, and created a fee charge. I went to the local office, i disclaimed the charge because the previous agent gave me incorrect information about my account. the manager assistant called the customer service, according to company policy, I was requested to pay the fee in advance, and then TD would send me a check with that amount as a refund. On XX/XX/XXXX, I got a letter fro TD bank, I would not get the check. I went to the local office and found out the manager assistant, she told me she cant do anything for me. In The whole issue, I dont do anything wrong, I was cheated by TD bank.
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
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: I have called and am now writing Nordstrom regarding a charge for an item I returned that has not been credited. I purchased 6 bras on XX/XX/2021, online at Nordstrom.com. The items were sent in 3 packages of 2 each. The first package which said it was delivered ( I get notices in my email ) did not arrive. The second and third package arrived within a day of each other. I returned the remaining 4 items on XX/XX/2021 using their Nordstrom label which I obtained from their website online following their protocol. I called them on XX/XX/2021, regarding the package that did not arrive and they credited my account for those 2 items. I then received a bill from them for some of the items due XX/XX/2021 so I called the credit department to check on receipt of the package I mailed but they did not receive it. They told me to pay the minimum due and wait. I paid {$38.00} on the XXXX. I then proceeded to call them on XX/XX/2021, where I got a case number and XXXX of the remaining 4 items were indeed credited in a timely manner. I called back on XX/XX/2021, when I realized that one item was not credited. I was told it would be in 3 days. I called XX/XX/2021, and was told the charge got auto denied and she would try to override it. I requested that someone contact me when this was done. I called back on XX/XX/2021 to make sure that my interest charge was reimbursed and to once again check the status of the return. The interest charge was credited but not the item. I was told it was sent to the correct department but it took 5 days from the date sent to this department to be recorded something the previous supervisor did not tell me instead assuring it would be done in 3 days. I doubt she knew of this 5 day time frame. This time I was again reassured I would be credited on Friday XX/XX/2021 by XXXX XXXX. I wasn't. It is XX/XX/2021 and my credit card once again is due on XX/XX/2021 with the remaining balance for this charge. I am not paying it ( it is under {$50.00} ) and I am sending them a letter of dispute to go along with my phone calls. I will be mailing it via certified mail. I am requesting your help in resolving this issue. The surprising thing about this is XXXX had a stellar reputation or so I thought. I am quite disappointed in their inability to get this done and their continued statement of another 3 or 5 days. XXXX on the other hand credits me without documentation and only my word. I buy a lot from them but still I believe that is their policy and probably why people purchase from them. They credit once they receive information from the carrier that the package was sent. Why can't other companies learn from this practice? They have great customer service. Nordstrom not so much and their reputation has not only a blemish but a huge spot on their record and it would take a lot for me to order from them again.
Company Response:
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: TD BANK CLOSED MY ACCOUNT WITHOUT NOFICATION.PUT A HOLD ON MY FUNDS ..MY ACCOUNT HAS MY UNEMPLOYMENT {$430.00} TRANSFERRED ACH TRANSFER OF XXXX unemployment transferred frome a XXXX account.._ {$1000.00} dollars from a XXXX account..all funds should be released back to me..they give you a XXXX XXXX.. which no one picks up and is no longer a 24hr bank
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Good Morning, I have had my vehicle loan with TD bank for 4 years and never have missed a payment 1 time, in fact my credit score is over 800 and Ive never missed a payment or had a late payment in my life. I sent a message to Td Bank stating that unfortunately I had got sick with XXXX XXXX and that they could see this is not something that normally happens as Ive never missed a payment ever before on any car or credit card. Im in the Home buying process and this 1 late payment is now causing issues with my home loan. Ill never miss another payment again this was something that was completely out of my control and Im hoping that we can get this one late payment removed from the credit bureau/s fast. Thanks in advance
Company Response:
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX, I was approved for a line of credit for TARGET CREDIT CARD. TARGET CREDIT CARD failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. TARGET CREDIT CARD is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but TARGET CREDIT CARD defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. TARGET CREDIT CARD is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from TARGET CREDIT CARD contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to TARGET CREDIT CARD with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
Company Response:
State: TX
Zip: 77093
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was hospitalized for XXXX during the time earlier this year. I have contacted Nordstrom to ask for a reconsideration of the late payment being annotated on my account due to my situation. Nordstrom has stated they do not correct any issues that are reported on credit report.
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX is reporting a charge off that doesn't belong to me and Target is reporting lates that are not correct.
Company Response:
State: CA
Zip: 91607
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. TD BANK NA XXXX Date opened XX/XX/2012 Balance -- // Late Close
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A