TD BANK US HOLDING COMPANY

2018-01-02

East Elmhurst, NY

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with non-monetary relief

Timely Response

2018-01-02

Lakewood, NJ

Struggling to pay mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2018-01-02

Alexandria, VA

Closing on a mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-01-02

N Bethesda, MD

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Company Response: Closed with monetary relief

Timely Response

2018-01-02

Brooklyn, NY

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: I have a TD bank credit card. They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my TD bank mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. These are the only late payments on my credit report. I called TD bank and they said I should file a dispute with XXXX and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. So I called TD bank and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. She suggested I file another dispute. She said there was no other department to talk to. I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you
Company Response: Closed with monetary relief

Timely Response

2018-01-02

Saint Augustine, 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
Company Response: Closed with explanation

Timely Response

2018-01-02

Houston, TX

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

2018-01-01

Forest Hill, TX

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

2018-01-01

Foothill Ranch, CA

Incorrect information on your report

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

Account status incorrect
Complaint: I have been receiving letters from XXXX for over a year. Saying that I owe them money. XX/XX/XXXX statement 2016 I owed {$170.00}. Unable to charge on the card because they say I was late, no more charges have been made. I made a payment of {$150.00} XX/XX/XXXX. I made another payment in XX/XX/XXXX of {$75.00} and {$75.00} in XX/XX/XXXX. I still continued to receive letters that I owe the {$320.00} but now acknowledgment of the payment or explanation of why the balance is n't going down or why it is still going up. I have asked repeatedly for a statement of my charges and they have not given me one. Just letter " trying to collect a debt. To me it is paid off. They need to correct the credit agencies records which they have not.
Company Response: Closed with explanation

Timely Response

2018-01-01

Blaine, MN

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2017-12-31

Shreveport, LA

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

2017-12-30

MO

Other features, terms, or problems

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

Other problem
Complaint: Summary 1. Defendant, Nordstom XXXX XXXX causes XXXX XXXX, Plaintiff, damages of at least {$10000.00} by issuing a knowingly false XXXX for cancellation of {$34000.00} in debt thereby increasing Defendant state and federal income tax obligation ( Exhibit A ). Facts 2. In XX/XX/XXXX Defendant weds XXXX XXXX, date of birth XX/XX/XXXX, XXXX XXXX of XXXX, KS. 3. In XX/XX/XXXX Nordstrom XXXX extends Credit to XXXX XXXX Account # XXXX XXXX XXXX XXXX. 4. In XX/XX/XXXX, Plaintiff divorce judgment of XXXX XXXX is entered in XXXX County Kansas Case XXXX. 5. Between XX/XX/XXXX and XX/XX/XXXX Nordstrom XXXX moves the subject account balance of {$34000.00} to the name of the Plaintiff without Plaintiff knowledge or authorization ( Exhibit B ). 6. In XX/XX/XXXX Nordstrom XXXX furnishes the Defendant and the IRS a XXXX for of {$34000.00} under account # XXXX. 7. In XX/XX/XXXX Defendant informs Nordstrom XXXX the XXXX is a violation of Internal Revenue Service Treasury Regulation Section 1.6050P-1 ( 7 ) which requires the XXXX Cancellation of Debt be provided to the individual benefiting from the debt which in this case is the account holder, XXXX XXXX ( Exhibit C ). 8. In XX/XX/XXXX Nordstrom XXXX asserts the XX/XX/XXXX XXXX is issued correctly ( Exhibit D ). 9. Nordstrom XXXX changed its name to XXXX XXXX XXXXXXXX XXXX in XX/XX/XXXX. The company was founded in XX/XX/XXXX and is based in XXXX, Arizona. As of XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX operates as a subsidiary of XXXX, XXXX. Statute of Limitations 10. Plaintiff is informed of the fraud by XXXX XXXX, Nordstrom XXXX Recovery Specialist, on XX/XX/XXXX. The statute of limitations shall not commence until the fact of injury becomes reasonably ascertainable to the injured party, but in no event shall an action be commenced more than 10 years beyond the time of the act giving rise to the cause of action for Civil action ( XXXX XXXX ( XXXX ) ) and before XX/XX/XXXX for Criminal action ( XXXX. XXXX ( XXXX ) 3. Jurisdiction and Venue 11. Plaintiff XXXX XXXX is a resident of XXXX XXXX Kansas. Count I 12. Nordstrom XXXX created an account and transferred funds in the name of the Plaintiff without the knowledge or authorization of the Plaintiff between XX/XX/XXXX and XX/XX/XXXX. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is unfair if it causes or is likely to cause consumers substantial injury that is not reasonably avoidable and is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ) ( 1 ). Count II 13. Nordstrom XXXX issued a XXXX in the name of the Plaintiff for the false account created in Count I XX/XX/XXXX. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). An act or practice is unfair if it causes or is likely to cause consumers substantial injury that is not reasonably avoidable and is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ) ( 1 ). Count III 14. Nordstrom XXXX refused to correct the false XXXX after being appraised of the Internal Revenue Service Treasury Regulation Section 1.6050P-1 ( 7 ) XX/XX/XXXX, a felony, 26 USC 7206 ( 1 ). Count IV 15. Nordstrom XXXX issued a XXXX in the name of the Plaintiff for the false account created in Count I XX/XX/XXXX in violation of Kansas Statue ( K.S.A. ) 79-3228 ( e ) a misdemeanor, and ( f ) a felony.
Company Response: Closed with explanation

Timely Response

2017-12-29

E Meadow, NY

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2017-12-29

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-12-29

Beyersville, TX

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/2017 TD Bank XXXX reported hard inquiries to my credit report. I have never applied for credit at TD Bank. I have contacted the creditor and have had no success on removing inquiries
Company Response: Closed with non-monetary relief

Timely Response

2017-12-29

E Meadow, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2017-12-29

Newnan, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I do NOT have a signed contract nor any contract with XXXX. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. They lied and said that they would investigate but they are not they are just sending bills and still reporting false information on my credit report. Now a collection agency is writing me.
Company Response: Closed with explanation

Timely Response

2017-12-29

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2017-12-29

Stratham, NH

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2017-12-28

Dexter, OR

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
Company Response: Closed with explanation

Timely Response

2017-12-28

El Paso, AR

Incorrect information on your report

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

Information belongs to someone else
Complaint: Someone illegally tried to apply at XXXX for a credit in my name with an address of XXXX XXXX XXXX XXXX XXXX ar XXXX. My correct address last XXXX years is XXXX XXXX XXXX XXXX ar XXXX. The XXXX credit card was refused for low credit score but ALSO for using a false address. I did not apply for the XXXX card. Please remove the XXXX XXXX XXXX XXXX XXXX ar XXXX address from my record please. The correct one is XXXX XXXX XXXX XXXX ar XXXX. The one before that was XXXX XXXX XXXX XXXX ar XXXX. My phone number is XXXX XXXX XXXX. Id appreciate it very much correctly correcting the false address put on my credit report. Thank you for your attention to this matter.XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX maiden moms name XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2017-12-28

Imperial Bch, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: To Whom It May Concern/ Dear Td Bank XXXX XXXXXXXX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ). I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. Td Bank XXXX XXXX XXXX XXXX XXXX XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Company Response: Closed with explanation

Timely Response

2017-12-28

Greensboro, NC

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I have had this company credit card since XXXX and never missed a payment well on the months of XXXX and XXXX I had a tragic family event happened where a close family member XXXX XXXX XXXX in a car accident and I tried paying to pay my bill but it wouldnt let me after several tries I was able to the next day but they gave me XXXX late payments and it damaged my credit drastically
Company Response: Closed with explanation

Timely Response

2017-12-28

Winnsboro, LA

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

2017-12-28

Chicago, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response