TD BANK US HOLDING COMPANY

2018-08-04

Blackwell, WI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: On XX/XX/XXXX my husband and I entered into a WI 128 amortization of debts. On XX/XX/XXXX a court order was entered stating that all debts are paid in full and satisfied. The creditor is continuing to report unpaid balances to the credit bureau which I assume is attributed to poor record keeping or illegally continuing to charge interest as the 128 plan prevented any more interest from accruing. I have disputed this through the credit bureaus 3 times and the creditor refuses to remove balances owed from my credit report.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-04

Carver, MA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: In XX/XX/XXXX I opened a checking/debit and also a savings account at TD Bank. The two accounts were linked and were supposed to draft from the savings if the checking/debit had insufficient funds. Well my wife went into labor and we had a new baby girl. When the whirlwind of that process died down. I checked my TD Bank balance as I believed I may be close to depleting the checking/debit balance. What I found were multiple {$35.00} fees for overdraft near {$200.00}. They also manipulated the sequence of purchases to maximize the {$35.00} fees ( ie ; {$1.00} for a coffee was moved to cause a {$35.00} fee before new funds were added. Furthermore, the accounts were supposed to be linked, I had the money to cover every single purchase I made, in my savings account. What happened next was even worse, the customer service reps gave me the run around for weeks. Finally as supervisor told me only a branch manager could reverse those fees. I went to the XXXX, MA. branch on XXXX XXXX. Despite my explanation the manager only refunded {$30.00}. Feeling defeated and facing 30 days I paid the fees even though I knew I wasnt liable for them. Two years later, I received a letter from TD Bank stating that a third party audit found that I wasnt liable for the fees!! Included in the letter was a check for what I paid plus interest. Great, I thought case closed they realized their error and made it right. I threw out the file of logs and paper I had proving my case. Turns out that around that time in XX/XX/XXXX TD Bank reported me to the XXXX as Flagged for 1. Overdraft 2. Account abuse. As a result I was declined in opening an account for my now XXXX year old daughter. Apparently I would have been declined if I tried to pay for groceries via check or tried to cash a personal check somewhere other than my bank. Even though they reported on XXXX that the account was paid in full it also said, charge off. I called TD Bank got the run around and was finally told we have no record of you being paid back the fees or any letter sent. They then went on to say they dont have the authority to make changes on the XXXX. When I asked for a supervisor who did have the authority they said my only option to speak to one is a callback within 24hrs. I left my number and sure enough, they never called. Im not sure what else to do and hope that your office could help me, please.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-03

Darnestown, MD

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2018-08-03

Bronx, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-03

Lafayette Hl, PA

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: My sister XXXX XXXX XXXX, who has Power of Attorney for my Dad XXXX XXXX, tried to close out his checking account at TD Bank on or about XX/XX/2018. Despite submitting all the legal documents that were prepared by a practicing attorney specializing in elder law, TD Bank insisted that my father come in to close out the account. Since my father had been recently diagnosed with a fatal combination of XXXX XXXX and XXXX XXXX XXXX and was confined to a hospital bed, this was impossible. For the next 5 weeks, TD Bank kept making excuses and finding fault with the documentation that was prepared by a lawyer. My sister showed the exact same documentation to XXXX XXXX and they helped close out my father 's account at XXXX XXXX in 30 minutes. Finally, on XX/XX/XXXX, TD Bank agreed to close out my father 's account. My Father XXXX on XX/XX/2018. TD Bank treated my sister XXXX XXXX XXXX horribly. They kept her away from her XXXX father and added stress to an already stressful situation.
Company Response: Closed with explanation

Timely Response

2018-08-03

Bronx, NY

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with non-monetary relief

Timely Response

2018-08-02

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2018-08-02

Mckeesport, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-08-02

Cape Coral, FL

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-08-02

Beaumont, TX

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 monetary relief

Timely Response

2018-08-02

No Haven, CT

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-08-02

NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I went to XXXX from XX/XX/2018 - XX/XX/2018 and while there my debit card was used without my authorization for 5-6 days. I didn't realize my debit card was missing or that transaction had taken place until after my return to the US. I went to XXXX to have 2 medical procedures, a XXXX XXXX followed by a XXXX XXXX a week later. I had some medical treatments after. I was under very strong pain killers and sedatives for several weeks. A claim for almost {$2000.00} worth of unauthorized charges is being denied by TD Bank. TD Bank is claiming there was no fraud simply because the transactions occurred while I was in XXXX, the debit card was not used after I left XXXX and no report was filed. I believe it is important to know that I had limited movement due to the XXXX and drugs I was under and had nurses 24 hours a day ( on 12 hour shifts ) during my entire stay, as well as cleaning service that came daily to clean and cook. I don't personally know any of them and while I would like to think that none would steal from a patient/client, they all knew the length of my stay and had access to my belongings. A police report was not filed because I didn't realize the card was missing until my return to the US. I was on bed rest upon my return to the US due to partly to normal recovery XXXX XXXX and then extended because of complications caused by an XXXX. I filed a claim with the bank on XX/XX/XXXX and the first time the debit card was used without my authorization was XX/XX/XXXX. I have had a very tough few months with health complications and with an obnoxious amount of debt as a result of medical procedures and having to take time off. I am battling XXXX and while everybody has their problems I filed the claim within reasonable time. I believe the reasons TD bank is claiming to deny the claim are unacceptable. It may be relevant to note that I deposit on this bank account an average of {$10000.00} every month and filing a fraudulent claim for 1/5 of my monthly deposits makes no sense. I urge you to look into this and help me get my money back. Thank you! XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-08-02

Queens, 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: Good Afternoon, Td bank USA/ XXXX credit card is the company in question. XX/XX/XXXX to XX/XX/XXXX I was reported late by this company to the credit bureaus. That is 7 late payments that I was never late for. At the time I was mailing my payments in. Unknown to me the checks I was mailing were not being delivered to the company. The mailman was stealing my checks and using my banking information for fraud. At the time I was going through a divorce and was not paying attention to my finances as well as I should have. I was approached my the post master general and told of the situation and told the person had been arrested for check fraud. I should not be held liable for this. I have paid this account on time for 5 years and have 7 late payments that I am not responsible for. The account is current and paid on time. Soon as I found out my checks were not reaching the company I paid them again and the account has been current for years.
Company Response: Closed with explanation

Timely Response

2018-08-02

Dallas, TX

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

2018-08-02

Hamden, CT

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-08-02

Vero Beach, FL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-08-01

Garrett Park, MD

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: On XX/XX/18, just as I was about to buy dog food, I saw XXXX XXXX on my checking account in the amount of {$170.00}. I was told to wait until it posted on the account which usually takes two days. Today, XX/XX/18, I woke up just to see that all my TD Bank accounts were frozen and almost all of them has transaction starts with DDA on the statement and also triggered the overdraft protection fees. I was shocked because that is all the money that I got and I do not have enough to pay for dog food, rent, and other expenses. I called TD Bank customer service around noon and was told to step into the branch to resolve this issue. When I arrived at the bank, after fully verified my identity, a teller asked for my debit card and broke it in half right in front of me and other customers then repeatedly saying that I have too many charged off accounts that is why TD Bank is doing this to me. I told him that it would be nice to reach out to me first and ask if I will be ok without this money. What happened to the business ethics and human right? TD Bank will do just fine without my $ XXXX but what about me and my dogs? Do I have any right to know anything before the bank take actions that would impact my life? You guys kept saying it's in the user agreement that I signed when opening the accounts. In the afternoon, I called and spoke to a lady from the recovery department. After verified everything, we went over the charges and fees and explained step by step in order to resolve this issue. She told me that one of the accounts [ XXXX ] is still active but it is negative at the moment. I told her that I just got a new job a few days ago and will work to pay the balance little by little because I get paid daily. She told me to step into the branch as soon as that account is positive and she can remove the lock so I can get a new debit card. I forgot to tell her that last night I made a transfer from my job into the account ending in XXXX but I don't see it on the bank statement so I called back just to have her help me look into it and see if we could apply that to the account ending in XXXX instead to help me pay off the negative faster. The lady that answered the phone told me the whole different story. She said every charged off accounts must be pay in full in order to lift the restriction. I told her that TD Bank sold my debt to the collection agencies already but she said that was not the case but demand that everything must be pay in full otherwise there's nothing she can do on her end.
Company Response: Closed with explanation

Timely Response

2018-07-31

Boston, MA

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with monetary relief

Timely Response

2018-07-31

WA

Incorrect information on your report

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

Account status incorrect
Complaint: There was a fraudulent charge that appeared on my XXXX XXXX credit card in XX/XX/XXXX. I reported this fraudulent charge and disputed it with the merchant. The charge was removed and the account balance was XXXX. However, the creditor never stopped the negative credit reporting. I've contacted them four times, in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They told me they received my dispute letter and told me over the phone on XX/XX/XXXX that the charges were removed from the account and I don't have any outstanding balance. The creditor never sent me the letter about the resolution of the fraud case in writing. I checked my credit report again on XX/XX/XXXX and I still have a negative credit report from XX/XX/XXXX to XX/XX/XXXX. I disputed with the XXXX credit bureau 3 times in regards to this inaccurate information and they have failed to thoroughly investigate this case and obtain any information from the creditor as to why the account is showing delinquent for 120 days. I contacted XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My complains are not resolved and XXXX Credit card has not fixed the inaccurate reporting in my credit report due to fraud as they promised. They also failed to sent me the resolution letter for the fraud case and resolution to fix the negative credit reporting on my account. The account is closed to to fraud but the negative delinquency is still remaining on the account. This is unfair.
Company Response: Closed with explanation

Timely Response

2018-07-31

Monrovia, CA

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Company Response: Closed with explanation

Timely Response

2018-07-31

Niskayuna, NY

Managing an account

Checking or savings account: Savings account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-07-31

Keyport, WA

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 purchased 1 XXXX treadmill with a grand total of {$3600.00} that included 0 % APR for 24 months and financed it through XXXX ( order # XXXX XXXX. They then put two charges on my account, one for {$35.00} at 0 % interest for 18 months. The second charge for {$3600.00} at 0 % interest for 24 months. This means the {$35.00} will expire before the larger balance which has 24 months of 0 % interest and I will then be charged 30 % interest on the lesser amount for 6 months. When I contacted TD at XXXX ( they are the loan issuer ) they claim this is correct. We have a receipt to prove otherwise.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-30

Portland, OR

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Hi I am having problems With my loan car payment with XXXX XXXX I get confused With my loan payment when I get the new car from XXXX XXXX I told to set up for me with Auto payment first couple months was ok after I lost my bank card and I get new replacement card i called XXXX to set up for auto payment my new bank card they Told me that they can do that because is not theyre poulice to set auto payment after I told them I am a XXXX person and I am not good setting up auto payment by myself and I will forget making payment on the phone because I have problem remembering after they refused to set up auto payment and then I start missing some payment and sometimes they call me and I am worry about to give my information to the wrong people scams then they start charging me late payment {$400.00} hundred dollar every time I missed my car payment I can afford that much late payment {$400.00} dollars and my intrest is very high can anybody help me because they destroy my credit they make my life very difficult I have another credit I never missed one time payment
Company Response: Closed with explanation

Timely Response

2018-07-30

Maclean, VA

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2018-07-30

NY

Incorrect information on your report

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

Complaint: Home equity line of credit with TD bank shows payments has not been posted since XX/XX/2017. I signed up for auto payment through my checking account and it was never applied.
Company Response: Closed with explanation

Timely Response