TD BANK US HOLDING COMPANY

2018-04-06

Hamilton Grange, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with monetary relief

Timely Response

2018-04-06

Santa Ysabel, CA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: In XX/XX/XXXX, TD Auto Finance reported that my account was late. In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reported that my account was late. This is inaccurate information due to the fact that I was never late in making a payment. I have contacted both the credit bureaus as well as the creditors, but to no avail.This incorrect reporting is negatively affecting my credit. Please remove this.
Company Response: Closed with explanation

Timely Response

2018-04-06

Carmel, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-04-06

NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/XXXX I discovered that my account with TD Bank account ( XXXX ) was frozen, It was in conduction with a State Tax Issue. After speaking with the State representative I was informed that they Faxed and Mailed the notice to the bank XX/XX/XXXX. the bank is saying that they didn't receive the notice until XX/XX/XXXX. I however had already made contact and arrangements with the State tax rep on XX/XX/XXXX. Td Bank didn't process the Levy until the XX/XX/XXXX. However after doing some research those fund in TD Bank should not have been allowed to be frozen. First the deposit came after the notice from the state. Secondly they did not verify where the funds came from as they are my Military XXXX pay from the XXXX. I have contacted the Levy Dept at TD Bank numerous times to resolve the issue. As they are now charging my account with over draft fees too. I spoke with the State Tax Rep.today and all frozen money is being released. understanding that is a blessing. However I believe that TD bank should have protected my account and not allowed my VA XXXX pay to be frozen. As according to your web site and regulations they should have prevented them from being frozen.
Company Response: Closed with explanation

Timely Response

2018-04-06

Bronx, NY

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-04-06

Chicago, IL

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I made a purchase from Nordstrom.com on XX/XX/XXXX and they sent the merchandise to my old address. The merchandise was delivered XX/XX/XXXX and was stolen before I could retrieve the items. I contacted Nordstrom multiple times and they refused to help me. It was even confirmed by a Nordstrom Customer Service Rep that the package was signed for by someone else. Now they are holding me accountable for the charges and I never got the merchandise I ordered. I also filed a police report regarding this incident.
Company Response: Closed with explanation

Timely Response

2018-04-06

Hon, HI

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Closed with non-monetary relief

Timely Response

2018-04-06

Shulerville, SC

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Company Response: Closed with monetary relief

Timely Response

2018-04-06

Melbourne, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2018-04-06

South Florida, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account
Company Response: Closed with non-monetary relief

Timely Response

2018-04-05

Waynesburg, PA

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2018-04-05

Hillsdale, NJ

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2018-04-05

Coral Springs, FL

Fees or interest

Credit card or prepaid card: Store credit card

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2018-04-05

Charlotte, NC

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2018-04-05

Tampa, FL

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Complaint: This company repeatedly harassed me on my cellphone at XXXX and called me 3 times in a row this company called me 3 times in a row after XXXX on my cellphone, this is a straight violation of The Fair Debt Collection Practices Act. When I told the employee that hes illegally harassing me at night on my cellphone he told me he didn't care and that its not illegal to call me on my cellphone. Then the employee stated that he can call me whenever I want because the address shows Nevada, I never in my life have lived in the state of Nevada and I will not tolerate harassment and breaking the law from this company, I want this account removed from this company effective immediately or I will pursue further legal action. I Live in the state of Florida always have and always will.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-05

Lakewood, NJ

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2018-04-05

VA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a checking account at XX/XX/2017. And i opened the checking account cause they offered me {$300.00} bonus, if i complete {$2500.00} direct deposit within 60 days. As their promotion says after meet all requirenments i should get that bonus within 95 days. Their terms said " the bonus will be credited into the new personal checking account no later than 95 days from account opening. '' But after 95 days later they didn`t gave me the bonus i called them and they told me to wait 125 days and i waited. they said i met all the requirenment but they will contact with me but they never. Today i called again and they told me to wait till XXXX to get that bonus. Today is 135 days and its counting but they are like playing game with their user. I have all the screenshot of their terms and advertisement. Its just misleading and I need my {$300.00} bonus as they promised since i completed all requirenment.
Company Response: Closed with explanation

Timely Response

2018-04-05

Brentwood, CA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Company Response: Closed with explanation

Timely Response

2018-04-05

Tubac, AZ

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with monetary relief

Timely Response

2018-04-05

Arlington, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: Nordstrom has made multiple errors on my account. They have sent to collections a {$270.00} amount related to a purchase on a debit card which I did not make ( debit card was already closed ) and have sent to collections a {$340.00} credit card bill ( of which over 50 % is late fees and interest ) for a credit card they sent to the wrong address. Of the {$340.00}, I actually owe {$130.00}. I was approved for a Nordstrom credit card on XX/XX/XXXX ( I previously had a Nordstrom debit card linked to my bank account ) and was encouraged to make a purchase on the credit card the same day ( before actually receiving the credit card at my new address ). The card was incorrectly sent to my previous address ( the one used for my debit card ) so I could not pay my bill online and Nordstrom policy would not let them take my payment over the phone. By the time I was able to make a payment, I had already been charged late fees and was accruing interest. On XX/XX/XXXX I offered to pay for the items but refused to pay the interest/fees due to the error on Nordstrom 's part ; however Nordstrom refused to accept responsibility for the error and refused to waive the fees. I was left with no recourse other than to withhold payment and the amount of {$340.00} was eventually sent to collections ( {$130.00} original purchase and {$200.00} interest and late fees ), where it has been weighing down my credit score. After the amount was sent to collections, I tried repeatedly to reach an agreement with Nordstrom that would allow me to pay what I owe and get the late fees waived but got nowhere. I tried again in XX/XX/XXXX and finally, after several calls with lower-level call center folks ( and only after threatening to call an attorney ), I was able to get the contact info for " XXXX '' the Recovery Supervisor, whose direct number is XXXX. I reached out directly over a dozen times over the course of about a month and left several voicemails but he has refused to speak to me. Additionally, I found out from the lower-level call center staff that Nordstrom believes I owe an additional {$270.00} related to the initial Nordstrom debit card. However, they have not been able to explain to me what this amount relates to or how it is even possible to owe money on a card that is linked directly to a bank account. This account, which was closed in XX/XX/XXXX, was sent to collections on XX/XX/XXXX and updated on XX/XX/XXXX. I subsequently filed a XXXX XXXX XXXX consumer complaint on XX/XX/XXXX, and received a response from XXXX XXXX, Nordstrom VP of Risk Management, which attempted to pin the blame on me and claimed that a " thorough review was performed ... and no Nordstrom errors were found. '' My response is as follows : There are multiple inaccuracies/errors in the Company 's response which constitute, at the very least, gross negligence and potentially willful negligence and/or fraud. 1. The debit account was closed on XX/XX/XXXX, the same day the retail account ( i.e. credit card ) was opened ; therefore, as I suspected, the {$270.00} amount is not valid. The Company has either been negligent in allowing this error to happen or they are intentionally trying to defraud me. This is further supported by the fact that the Company did not give any details to substantiate this " purchase, '' which I requested in the initial complaint ( i.e. what items were purchased? Also, as an aside, why would I try to use this debit card which was linked to a previously closed bank account when I had just told the store employees less than a week earlier that's why I was replacing the debit card with the credit card? And why would it take FOUR DAYS for you to figure out that a {$270.00} purchase was made using a debit card that was attached to a bank account that had been closed? That card would have been declined immediately. ) Additionally, the Company did not make clear until XX/XX/XXXX that they believed I owed an amount related to the debit card all mail that I received ( which was sent to my parents ' old house but I was able to obtain and is still in my possession ) and phone calls seemed to be related to the credit account and there was absolutely nothing to indicate that that the {$270.00} and the {$340.00} were related to different purchases ( it appeared that it was just more interest/fees accruing ). Furthermore, when I reached back out to Nordstrom on XX/XX/XXXX and was made aware about the supposed {$270.00} debit card balance, I explained that I doubted the validity of the amount and that it was not on my credit report. I was very clearly informed that debit card amounts are not sent to collections. Less than three weeks later, the account was placed for collection on XX/XX/XXXX with XXXX XXXX XXXX, as evidenced by the attached excerpt from my credit report. This directly contradicts both the verbal statement made over the phone by the Company rep and the Companys response to the XXXX complaint response where they intentionally avoid listing the agency and they state that say the account was charged off on XX/XX/XXXX. A review of my credit report as of XX/XX/XXXX shows only the {$340.00} amount related to the credit card. 2. I maintain that the retail account was opened with an XXXX, XXXX address and not the previous XXXX, XXXX address that was used when I opened the debit account in XXXX. This is supported by the attached excerpt from my credit report showing the XXXX, XXXX address being first reported on XX/XX/XXXX. I can provide further documentation in the form of a 12-month lease at that address from XX/XX/XXXX to XX/XX/XXXX and a 6-month extension to XX/XX/XXXX. 3. The Company 's assertion that Recovery supervisor XXXX XXXX called 4 times and never heard back from me is completely false. My XX/XX/XXXX cell phone records show that I had 5 total outgoing calls to XXXX on XX/XX/XXXX ( XXXX, XXXX, and XXXX EST ), XX/XX/XXXX, and XX/XX/XXXX and had no incoming calls from that number. I left voicemails indicating that I could be reached by cell phone or email but heard nothing. I also called on XX/XX/XXXX prior to making the XXXX complaint and at certain other times as well. Never once did " XXXX '' answer the phone. I was the one who reached out and received no response, not the Company. 4. The Company failed to mention that when I returned their initial calls ( prior to XX/XX/XXXX ), I attempted to pay the balance over the phone. However, it is their policy not to accept payment over the phone and I was informed that I would have to pay online or in person at the store. Because I didnt have my physical card and account number ( it was sent to my old address ), I could not pay online. 5. The Company failed to mention that their " collection calls '' are harassing robocalls that are made multiple times per day ( even right after speaking with the Company ), often during work hours and in violation of the Fair Debt Collection Practices Act. After several weeks of this, I was forced to block the number in order to avoid being constantly interrupted during meetings at work. 6. The Company also failed to mention that when I called on XX/XX/XXXX, I indicated that I would be happy to pay the {$130.00} that I owed but that I would pay not the late fees. 7. The Company failed mention that there were no payment issues during the 23 months the debit account was open. The Company also did not mention that I have remained a solid customer despite being treated so poorly, having personally spent well over {$2500.00} since XX/XX/XXXX at Nordstrom and XXXX XXXX combined. However, I and my family will be boycotting all stores until this matter is resolved.
Company Response: Closed with explanation

Timely Response

2018-04-05

Marco Island, FL

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Company Response: Closed with monetary relief

Timely Response

2018-04-05

Saugus, MA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2018-04-05

Rochdale, NY

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I have recently obtained a copy of my XXXX credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
Company Response: Closed with explanation

Timely Response

2018-04-05

Danbury, NH

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2018-04-05

Mi Metro, MI

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Closed with non-monetary relief

Timely Response