TD BANK US HOLDING COMPANY

2018-08-09

Clinton Township, MI

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-08-09

E Atlantc Bch, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-09

Garrett Park, MD

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Complaint: I inquired about a personal loan online on or about XX/XX/XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX at XXXX XXXX stating that I could receive a {$5000.00} unsecured loan at very favorable terms. After completing the initial application process, I was informed that due to my current credit score some things needed to be done in order for the lender to accept my application. My credit score needed to be raised and I was apprehensive but because I was in desperate need for the loan and continued with the process. On XX/XX/XXXX XXXX XXXX deposited {$990.00} into my account at TD Bank, they then required me to send {$920.00} via XXXX XXXX to a police officer XXXX XXXX in Georgia and the balance of the deposit was used to cover the fees for the transaction. I was informed later that day that XXXX XXXX was involved in an auto accident and will be unable to retrieve the XXXX XXXX funds. I was in New York for business on XX/XX/XXXX and left New York to travel to XXXX to visit my daughter. While in XXXX XXXX XXXX had me run around to find a XXXX XXXX to retrieve the funds that were delivered earlier that day. I know was told to purchase {$850.00} worth of XXXX XXXX cards. I did this and read the numbers to Mr. XXXX over the phone. Everything seemed to be going according to plan. I was then sent a letter from Mr. XXXX XXXX claiming to be a Federal Trade Commission Officer. The letter stated that additional funds were required to be deposited into my account and the process of returning the funds continued. On XX/XX/XXXX {$1800.00} were deposited into my account at TD Bank. Note that the funds were made available immediately despite the banks protocol for placing a mobile deposit from an out of state bank on at least a two ( 2 ) day hold. I purchased {$1900.00} worth of XXXX play cards and again read the numbers to Mr. XXXX over the phone early in the morning. I was again encouraged that as part of the process I would soon obtain the loan. On Saturday XX/XX/XXXX {$2800.00} was again deposited to my TD Bank account and again the funds were available immediately and I again purchased XXXX play cards to complete the transaction. On XX/XX/XXXX I was contacted by XXXX XXXX at the FTC claiming if I wanted the loan I was required to pay {$700.00} in order to cover Saturday cost and to cover the cost of the interstate transaction. I refused and said I would wait until Monday and pay no fees. On XX/XX/XXXX I was contacted by XXXX XXXX claiming to waive the fees that XXXX more deposit will be required. XX/XX/XXXX {$4200.00} was deposited into my account and again I was able to immediately withdraw the funds and purchase the XXXX play cards. XXXX XXXX at XXXX XXXX called me at about XXXX EST on XX/XX/XXXX demanding I pay XXXX XXXX {$400.00} or he would pull the {$4200.00} deposit. He then boasted that he was a professional scam artist and the he got me along with spewing many vulgarities about me and my family. I immediately contacted TD Bank fraud to learn that the {$4200.00} deposit was rejected by the bank. The bank took a report and put the account on alert but claim that I am responsible for the {$4200.00} over draft currently in my account. The bank didnt not follow protocol by making the {$4200.00} immediately available for withdrawal without putting the funds on a mandatory hold. I must dispute this claim by TD bank as Im in no position to be responsible for this scam. Ive also contacted XXXX to attempt to trace the XXXX play cards as well as filing a complaint with the FTC. My lawyer has also been sent a copy of this report. Im available to answer any further questions and hope that the police can assist this unfortunate event. Ive included bank statements and all correspondence with XXXX XXXX. The contact at XXXX XXXX is XXXX XXXX XXXX XXXX XXXX Thank you in advance for your immediate attention regarding this matter. XXXX XXXX XXXX XXXX @ XXXXXXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-08-09

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2018-08-09

Bonaventure, FL

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-08-09

Northridge, CA

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 explanation

Timely Response

2018-08-08

Encino, CA

Incorrect information on your report

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

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2018-08-08

Carver, MA

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, AND XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2018-08-08

FL

Improper use of your report

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

Reporting company used your report improperly
Complaint: To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.
Company Response: Closed with explanation

Timely Response

2018-08-08

Maynard, MA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: On XX/XX/XXXX, my son sent {$2000.00}. from a TD Growth Account Money Market to my TD bank account. He received a confirmation of the transfer and a confirmation number : XXXX. He didn't realize that there are two options of payment, one immediate and the other in a couple of days. By XX/XX/XXXX we went to the XXXX XXXX Branch of TD bank. After working with a very attentive woman who sat on hold a good part of an hour and was transferred twice. we were told this type of transaction ( because it wasn't immediate ) would take 3 business days. She also went into my phone apt and adjusted my info for XXXX who does the transfers. Fast forward to today. Again I went into the same branch and a very nice young man, XXXX XXXX, tried to help. This time after going thru the steps taking over a half hour he speaks to someone named XXXX in the Tech support. XXXX then tells Mr. XXXX that the transfer was rejected on XX/XX/XXXX. So where was the money after it was taken from the Money Market account? My son, XXXX XXXX, is the trustee for that account and he was never notified that the transfer was rejected. I have received money from him before without problems. Not too long ago my husband had sent money to our granddaughter and she never received, but it was withdrawn from his account. He sent the money again and she got one of them and the other one was rejected. This is all TD Bank to TD Bank. Once is an oops, twice in banking begins a pattern. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-08-08

Hialeah, FL

Opening an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-08-08

Weston, CT

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-08-07

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 went to purchase an auto with XXXX XXXX XXXX NY XXXX XXXX on XXXX On XXXX on my credit file there were another 4 inquiries from different creditors that I did not give authorization to run credit reports on me. Inquiries are held for 2 years and they affect you credit score. I did not give all this institutions any signatures for them to do this.
Company Response: Closed with explanation

Timely Response

2018-08-07

Columbia, SC

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: TDBank 's website said any account opened online and not funded within 45 days would automatically be closed. I tried to open one account, and their system opened three in my name. I never put any money in any of them. After a month, I got a statement with a service fee indicated for each. I called and tried to close the accounts, unsuccessfully. I went to my local branch and was assured that the accounts had been closed. Just got another three statements, now indicating negative balances of {$32.00} each. When I call, I am told I must go to a branch. When I go to a branch, they apparently can't close the account. It's Catch 22.
Company Response: Closed with monetary relief

Timely Response

2018-08-07

Peekskill, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-08-07

Brooklyn, NY

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2018-08-07

Wrightsville Beach, NC

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-08-07

Wrightsville Beach, NC

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-08-06

WA

Lost or stolen money order

Money transfer, virtual currency, or money service: Money order

Complaint: XX/XX/XXXX my rent was stolen from XXXX XXXX XXXX XXXX in XXXX WA. I called XXXX XXXX to have my money order traced and alerted them it was stolen. I received paperwork from them to file a case, XXXX, for a stolen and forged money order on XX/XX/XXXX. They money order is for {$810.00}. The apt mgr, XXXX, filed a police report and that case number is XXXX. I was could take 90 to 120 days. I called XXXX XXXX in XX/XX/XXXX and spoke with XXXX and was told to call back XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX and XXXX said they had not heard back and refiled my complaint with bank that cashed check. I called back XX/XX/XXXX and XXXX told me to call back XX/XX/XXXX. I called back XX/XX/XXXX and XXXX said they had not heard back from bank and refiled complaint with bank. I called XX/XX/XXXX and XXXX said they had heard nothing from bank so I filed complaint with WA State Atty office XX/XX/XXXX. The file is XXXX and contact was XXXX XXXX. They were unable to get response from TD bank either and referred me to you.
Company Response: Closed with explanation

Timely Response

2018-08-06

New Port Richey, FL

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem adding money
Company Response: Closed with explanation

Timely Response

2018-08-06

Key Biscayne, FL

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-08-05

Irvine, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-08-05

Sacramento, CA

Incorrect information on your report

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

Account information incorrect
Complaint: LIST OF HARD INQUIRY THAT WILL NOT DISAPPEAR OFF OF MY REPORT XXXX XXXX XX/XX/2018 TD AUTO FINA Finance XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 I bought a car on XX/XX/2018 and was told that the hard inquiries would not stay on my credit report. A month later these are still on my credit report and affecting my credit score.
Company Response: Closed with explanation

Timely Response

2018-08-05

NY

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: This complaint is about TD BANK enormous usury fees without full disclosure and the problems with XXXX. My property was used for storage, never touched until TD BANK sent in workers to change the locks.We believe TDBANK Workers took out storage boxes marked " Silver '' then went back for more. We believe TDBANK workers took away, stole, the entire contents outside the back door leaving a gaping hole. We are still trying to discover what they took away leaving a gaping hole.The break in was discovered early XX/XX/2018 by XXXX XXXX XXXX XXXX broker ( XXXX ) who had property for sale. XXXX went to check the property, saw the break in and damage. XX/XX/2018 XXXX said TDBANK needs to track down the workers who broke into and ransacked my property. Full disclosure is a legal requirement in real estate transactions and TDBANK did not do this.
Company Response: Closed with monetary relief

Timely Response

2018-08-04

East Rockaway, NY

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
Complaint: I opened a XXXX XXXX Credit Card account in XX/XX/XXXX. 3 months later when the company didn't credit me the correct amount of rewards that they advertised when I opened the card and after having a bad customer service experience, I requested that they shut down my account because I won't be dealing with their company anymore. And so the account was shut down on XX/XX/XXXX, and I shredded my card and obviously never used it subsequently. Months later in XXXX, I receive a letter from them saying that I have late fees on a charge that was made on this account from XXXX XXXX XXXX 's on XX/XX/XXXX for the amount of {$27.00}. A charge that I never made! To even double check, I reviewed my order history at XXXX XXXX XXXX XXXX and I didn't find any orders that were made on that transaction date or for that amount. I contacted TD bank 's customer service to dispute the charge amazed at how somehow the card could still be charged even after the account was shut down?! They let me know that the charge will be disputed. Today on XX/XX/XXXX, I received a letter saying that after investigating the charge, they determined the charge was valid and reversed the credit on my account because apparently the shipping and billing of the charge were my address. But I never purchased anything on that date or for that amount or even mistakenly received anything from the dept. store!!! And It's their mistake for allowing a charge to be made on a closed account and they refused to transfer me to the fraud department. I had this card for all of 3 months and I never as much trouble with a credit card as much as this one or dealt with such an incompetent customer service!!
Company Response: Closed with monetary relief

Timely Response