Date Received: 2020-09-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was supposed to receive a {$400.00} new account bonus from opening a checking account back in XXXX and I havent received anything yet. I have reached out multiple times via message and phone call and was told I would receive a call back. I opened my account on XX/XX/XXXX and completed the requirements within the first 60 days and should have received my money by now but I havent.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Company Response:
State: FL
Zip: 33185
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Vehicle was damaged or destroyed the vehicle
Subissue:
Consumer Complaint: So I had a vehicle with TD Auto Finance and that vehicle was lost due to a fire and the vehicle was a total loss. My insurance had told me they were going to pay off the rest of the car for me because I wasnt done paying it off. The months I was waiting for the insurance popped up on my credit as missing payments even though they had said they would pay it off and I just wanted to get those 2 missing payments off my report because I have never missed a payment.
Company Response:
State: CA
Zip: 92806
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After reaching out to the Nordstrom company, and explaining why there was a 60 day and 30 day past due, they have responded unreasonably and proceeded to report this on my credit report. My very good score went from a good score of XXXX to a fair score of XXXX for just this occurrence. I have been a loyal customer for over 10 years with a Nordstrom debit card/credit card and have never missed payments to this magnitude. Explanation : I was dealing with emotional trauma and a family emergency. My husband is XXXX XXXX XXXX and was redeploying after being gone for 9 months, he entered into an XXXX XXXX program. At the same time was also managing the health of my grandmother that fell ill and died in this timeframe all while stressors related to COVID ( working full time with virtual schooling ). Supporting evidence : I have reached out to the company and I was unaware that there was a hardship and/or COVID payment policy to postpone payments and never received anything alerting me of this policy to help out my family in a time of need. Additional Supporting evidence : At the time of payment due, I had plenty of money to cover the balance of the account and would have done so if I was able to emotionally handle this responsibility. I have attached statements of my bank accounts to show balances and proof.
Company Response:
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: {$2500.00} has gone missing from my savings account after an ACH bank to bank transfer was initiated. 2 trial deposits were first received at my XXXX XXXX XXXX and then a they were removed, proving that the routing number and the account numbers were correct. These were processed on XXXX, the same day the ACH transfer went missing. Another ACH transaction was stopped on XXXX. I have been calling their online phone number for the last 2 weeks with no progress, just a run-a-round. Spent an hour on the phone on XX/XX/2020 and paid a driver to visit the branch in-person. Spent 2 hours talking to the branch manager. He called a bunch of internal people with no result. I asked for the money to be replaced in my account and they would not do that. They basically stole the money from me. I want them to refund the stolen money and the guilty parties fired or put in jail!!! Thank you.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
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 traveled out of the country on XX/XX/XXXX and returned on XX/XX/XXXX, XXXX when I returned I noticed some unauthorized transactions on my TD Bank credit card. I called immediately to report and inform them of the unauthorized transaction on my credit card. Even though my credit card was still in my possession. There were six different transactions that occurred on the card, which summed up to {$760.00}. I spoke with someone on the phone and it was made clear from the conservation that, once the card was in my possession and the transactions proved that the card was physically present for those transactions, there was nothing they could do. She then proceeded to ask to file a police report if I wanted to consider the case legitimate and increasing my chances. I did file the police report and faxed it over. Going back and forth on the phone, I was told to go see a local representative at any local Td bank to try and resolve the issue. but when I got there. they informed me that there was " nothing they could do ''. They don't usually handle fraud and dispute. The only thing that was resolved my them canceling my credit card and issuing me another one. I received a letter saying my case close and I was responsible for the unauthorized transactions. After reaching out several times, most representatives could not give me a solid reason as to why my case was closed and I was responsible for the {$760.00}. A representative told me to fax the police report over so the can open the case again. Which I did again. Another representative told me they never got my fax. I fax it again. Different representatives gave me different stories as to why my complaint has not being resolved. The recent conversation on the phone with a representative stated my claim was on the system and will be reviewed by top management. I was vetting out on social media and my informantion was taken. I lady by the name of XXXX reach out to me. explaining to me the process but nothing was resolved either. She was supposedly in top-level management While this dispute was going on. I was made aware that I am not responsible for any payment until the issue was fully resolved. I was very dismayed when I received a letter on XX/XX/2020, stating that, my monthly payment of {$7100.00} is past due. And before that my monthly payment was {$35.00}. This whole process was quite frustrating and not my fault. I don't see any reason why I should be footing a bill I am not responsible for.
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: TD Bank has been holding {$8700.00} since XX/XX/2020 after having froze all of my accounts, giving me absolutely no access to transact on my accounts and on XX/XX/2020, made the decision to close all of my accounts and return the funds. The reason for this was because these particular funds were direct deposited on behalf of my former roommate, who appeared with me in person, verified their identity by showing an NYS State ID, a US Passport, and Documents from the NY Dept of Labor therefore authenticating their identity and the validity of these funds. Despite successful verification, TD Bank called me back after a 3 day review to tell me that they were going to close all of my accounts and return these funds back to where they came from. Prior to this unresolved matter which has now been ongoing for 2 months and 2 weeks, I was told and instructed over the phone by the TD Bank Fraud Dept to show up in person with the individual who is claiming ownership of these direct deposits, so that they could be verified and the accounts could be brought back to a normal status. This account freeze had caused me to suffer the entire month of XX/XX/2020, since my direct deposit comes from the XXXX XXXX XXXX on every XXXX of the month. TD Bank rejected my monthly direct deposit on XX/XX/2020, which ultimately put me in a situation where I had to wait an additional 3 weeks to receive my monthly benefits, and delayed me accessing my retirement benefits until XX/XX/2020. It is now XX/XX/2020, and TD Bank has not returned the funds to the NY Dept of Labor because my roommate is well aware that TD Bank still has the funds sitting in a frozen checking account under my name, which they have NOT closed and issued a check for. I have attached my most recent checking account statement, which proves TD Bank had left this matter ignored after closing my savings account and rejecting my direct deposit. My close friend would like her funds returned to her immediately and does not want to have to endure any more punishment, considering TD Bank has left these funds inaccessible to her for more than 2 months, although she is a now a client of TD Bank.
Company Response:
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM A VICTIM OF ID THEFT.MY WALLET INCLUDING MT DEBIT CARD GOT STOLEN. TD/NORGSTROM HAS REFUSED TO REMOVE THE ACCOUNT EVEN THOUGH I PROVIDED A POLICE REPORT.
Company Response:
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On or about XX/XX/XXXX I went to XXXX XXXX XXXX of XXXX to purchase a XXXX XXXX XXXX XXXX for approximately {$43000.00}. I was approved be several banks and based on what the Finance Manager told me I decided to go with XXXX XXXX XXXX because they were offering me a lower interest rate. After approximately 2-3 hours I was finally called into the Finance Manager office to sign all the documents pertaining to the sail of the XXXX XXXX XXXX XXXX. When I completed the signing of the documents and exited the Finance Manager office, the salesman told me, 'Mr. XXXX we can get you into a new XXXX XXXX XXXX. Since TD Auto Finance approved you for the XXXX we ( XXXX XXXX XXXX of XXXX ) will tell TD Auto Finance that you changed your mind and DIDN'T PURCHASE THE XXXX but rather decided to purchase the XXXX XXXX XXXX so they would finance the XXXX and you can take the car home ''. Between both vehicles I purchased on that day, the total was approximately {$95000.00}. After I returned home from the purchase of both vehicles I called TD Auto Finance and made them aware of the misrepresentation that XXXX XXXX XXXX provided to them regarding my purchase of the vehicle they financed, XXXX XXXX XXXX for approximately {$53000.00}. The TD Auto Finance Representative that I spoke to didn't seem in anyway regarding the fraud that XXXX XXXX XXXX of XXXX presented to the by lying and stating that I decided to purchase the XXXX rather than the XXXX. I asked the TD Auto Finance if I would've been approved for the purchase of the XXXX if they knew that earlier in the day I purchased the XXXX & the Representative stated " NO '' and that I was taking on to much debt. I was paying $ XXXX monthly for the XXXX & by purchasing the XXXX I would incur another monthly expenditure of {$850.00}. I asked the TD Auto Finance if there is anything they can do to help me since this loan was obtained by fraud because of the un factual information XXXX XXXX XXXX of XXXX, Montana provided TD Auto Finance & the TD Auto Finance Representative answer was " return the vehicle ''. I stated to the Representative that by doing that I will ruin my credit & her reply was simply that's your problem that you would have to deal with. I asked her " Don't you think this transaction should be of concern to TD Auto Finance ''. Her reply again was I can take the vehicle back. Since the purchase of both vehicles approximately 2 weeks ago I returned the XXXX XXXX XXXX XXXX TO THE DEALERSHIP because they sold me that car unlawfully & unethically. They didn't disclose to me that it was previously used as a rental and after I found out it was I threatened to take them to court and the General Manager, XXXX XXXX told me to take back the vehicle to the dealership & he will comply with my command of reimbursing me approximately {$3000.00} and paying off my loan with XXXX XXXX XXXX. In closing, I recently found out that XXXX XXXX XXXX knowingly & willingly failed to provide me an additional {$1000.00} manufacture rebate which I'm currently addressing with the XXXX XXXX XXXX.
Company Response:
State: MT
Zip: 595XX
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Was removed as an authorized user. Still shows on transunion and XXXX. Please have this updated.
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A