TD BANK US HOLDING COMPANY

2018-07-23

Brooklyn, NY

Trouble using your card

Credit card or prepaid card: Store credit card

Can't use card to make purchases
Complaint: I recently opened a XXXX store charge card. I used the card and attempted to make two payments which were returned. I put in the wrong bank account number when making the payments. Upon discovering that I had done this I promptly sent a replacement payment which posted to the account. I actually overpaid the account which resulted in a credit balance. XXXX/TD Bank closed my charge account. I called XXXX to ask about opening the account again and the agent told me I would need to send a letter to XXXX asking for the account to be opened. I sent the letter and then called again and I was told that it wasn't possible and that I would need to reapply. I don't want to re-apply and hurt my credit score and by opening an account and immediately closing it XXXX is hurting my credit score. I have had no material changes in my credit since XXXX first opened my account and I've paid the balance in full demonstrating that I had the funds to pay it.
Company Response: Closed with explanation

Timely Response

2018-07-23

Houston, TX

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: XXXX XXXX. Account ID XXXX. I have 3 different disputes with different dates. The investigator put all of the disputes together and denied without looking allowing me to address each of them. The total disputed amount is {$4000.00} and I dont even have have the card anymore, my cell phone was stolen during one of the disputes. I was not given the opportunity to show my proof to defend myself. Received a summary with the decision and claim closed. I cant afford to pay such large amount plus accumulating interest. I need an opportunity to show proof for each occurrence Thank you
Company Response: Closed with explanation

Timely Response

2018-07-22

CT

Problem caused by your funds being low

Checking or savings account: Checking account

Late or other fees
Complaint: TD Bank has left me in SEVERE financial hardship and no way to pay my rent or other bills. On XX/XX/2018, a Saturday, I was attempting to make a purchase with my TDbank debit card. The purchase was declined. I called my bank to see if they could rectify the problem and a rep told me that my account was drained because of an " offset ''. I checked my account and there were XXXX dollars in the account that should have had {$1200.00} in it. Also, appearing in the transaction history are these items : DDA OFFSET XXXX - {$310.00} DDA OFFSET XXXX - {$460.00} DDA OFFSET XXXX - {$270.00} DDA OFFSET XXXX - {$100.00} DDA OFFSET XXXX - {$77.00} totaling {$1200.00}! The ENTIRETY of ALL my money with TDbank. They took it all. I do not have other accounts elsewhere with any funds in them -- this was ALL the money I had to support myself. And of course, no one at TDbank is anywhere near helpful, so I have had to wait until monday because their " collections department '' is closed on weekends, and standard tdbank lackies do nothing because they aren't in that department. Tdbank 's social media is merely damage controlling PR, ignores you, and is not supportive whatsoever. I have no knowledge of these other accounts that supposedly are in my name for which tdbank insists I owe them this money, nor have I ever recieved postal mail, email or phone calls insisting I owe money on past accounts at this bank. Td bank has taken money out of my account for accounts I didn't even know existed! Additionally, according to the " Right to Offset '' law, social security funds are EXEMPT from " the right to offset '', Section 207 of Social Security Act ( 42 USC 407 ). Tdbank has taken social security funds that were deposited into the td bank account which was drained. " A Financial institution can not offset social security benefits against any other debts owed to the bank. '' But they still did, of course! to the tune of {$86.00}. My account was completely drained and brought down to XXXX - leaving me with no way to pay rent, buy food, money for transportation or my medications. If TDbank does not refund my money to me immediately or rectify this issue either by phone or in person, I will be filing more complaints with the FDIC and the Office of the Comptroller of the Currency, who regulates TD BANK , N.A . TD bank has left me in severe financial hardship, leaving me without a way to pay my rent to keep a roof over my head, no way to pay bills and no way to even buy food or pay for transportation. TDbank " Customer Service '' lackies should be ashamed to work for such a heartless, greedy bank that would do this to their customers and leave them in a near-homeless situation. Also I was not able to afford my medication due to TDbank taking every cent I owe and TDbank has caused me to miss doses of a medication that I can't currently afford. I want this situation fixed ASAP, or I will consult a lawyer. FIX THIS, TD BANK.
Company Response: Closed with monetary relief

Timely Response

2018-07-22

Lewisville, TX

Incorrect information on your report

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

Account information incorrect
Complaint: The Company TD Auto finance has included 2 hard enquiries on XX/XX/2018 in XXXX credit bureau. These hard enquiries were not authorized by me and are duplicates. The only enquiry authorized by me was for XXXX XXXX XXXX XXXX and XXXX XXXX for Auto loan. I have given no approval for TD Auto finance for these enquiries. In addition they have added 2 duplicate enquiries on same day XX/XX/2018 in my XXXX file. I would like these2 inquires by TD auto finance Deleted and corrected at earliest reasons 1 ) Not authorized 2 ) Duplicate entries 2 hard pulls on same day XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2018-07-22

Washington, DC

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Company Response: Closed with explanation

Timely Response

2018-07-21

New Bedford, 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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

2018-07-21

Augusta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-07-21

Fargo, ND

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: Hello, I started a dispute with TB Bank who manages my XXXX store card for a transaction that occurred on XX/XX/XXXX for an amount over {$800.00}. I returned a phone to the merchant, the merchant accepted my return, but I never received a credit from the merchant. After attempting to resolve with the merchant several times, they would not issue a credit, stating they " will put in a request '' that I never heard back from. I started a dispute with TD Bank XX/XX/XXXX, within 60 days of the disputed transaction providing details both by mail and verbal forms of communication. I received a letter XX/XX/XXXX confirming the claim was started. It has since been over 97 days since I started the claim, and I have not heard back from TD Bank in any form ( mail or phone ) asking me for additional information, or, with a status of my claim. I sent the bank messages XX/XX/XXXX and XX/XX/XXXX through their online banking system and was not provided a status of my claim, only that it would be resolved within 90 days and I would receive a letter with the outcome. I attempted to contact them by phone today, XX/XX/XXXX, to get the status of the claim and was told I should get a letter by next week, which I had been told the week before. Thus far, TD Bank has not credited my account back for the balance, and the merchant has the product! I have not benefited from this transaction in any way and TD has kept me in the dark regarding the status of my claim. Since my account has not been credited after the 90 days, I can only assume that my claim was denied, however, unless the claim is in arbitration ( which I have not been made aware of ) I believe TD bank has mishandled my claim, as the information I provided them should fit the association 's charge-back guidelines. I need a satisfactory resolution on this claim as soon as possible, this transaction has been negatively impacting my credit for far too long and there is no reason the bank should not be able to provide me a simple status of the case over the phone, such as " Your claim is denied for this reason '', or, " Your claim is resolved in your favor ''
Company Response: Closed with monetary relief

Timely Response

2018-07-20

PA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: Filed with PA Attorney General Office who recommended I contact you. The letter I sent them is stated below : Time-line 1. Opened checking account with TD ( XXXX PA, XXXX branch ) on XX/XX/2018 with {$100.00} cash and was only informed that any check deposits would clear in 2 days with me able to receive up to {$100.00} of the deposit right away. 2. First payroll check deposited on XX/XX/2018 3. Next weekend ( XXXX XXXX ) I was in XXXX XXXX, and I noticed " holds '' placed on my account for 10 days. 4. On XX/XX/XXXX I went into the XXXX branch and spoke with " XXXX '' she made me feel that it was my employer 's bank that was holding my funds, my employer investigated it and stated with proof that the funds were released from XXXX to TD on XX/XX/2018. 5. I immediately returned to the TD XXXX branch and informed them of this and " XXXX '' stated that the XXXX branch does not have a " branch manager '' who could advocate my case, I said that is ridiculous and attempted to contact TD 's customer service and was told my account was " frozen ''. 6. I then realized that bills I set up for payment from this account would bounce and incur " overdraft fees ''. 7. I really felt helpless TD had my money holding it I believe on purpose just to incur " overdraft fees '' a breech in public trust. 8. I contacted my branch and the TD web site number and was told that TD has the right to hold MY MONEY for 10 days when they see fit. Yet TD never informed me, If I knew that I would not have set up my bills to be paid. 9. While contacting TD via the internet I came across many customer complaints and I wish I would have viewed prior to my opening a new account. I believe TD operates under false pretenses take a look at : http : //www.tdbank.com/XXXX " Bank Human - If something matters to humans, it matters to us '' TD Bank . Really, I don't think so ; something is definitely changing about the way TD operates. I am just a young guy who is trying to establish himself in this world and institutions that you trust your money need to be held accountable. Very Truly Yours, -- -- -- -- -- -- -- -- -- -- -- -- References : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and lots more if one has the time or resources that claim TD is not operating as expected regarding the public trust.
Company Response: Closed with monetary relief

Timely Response

2018-07-20

Chantilly, VA

Struggling to pay your loan

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

Company Response: Closed with non-monetary relief

Timely Response

2018-07-20

Collegeville, PA

Fraud or scam

Money transfer, virtual currency, or money service: Debt settlement

Company Response: Closed with monetary relief

Timely Response

2018-07-20

Piscataway, NJ

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with monetary relief

Timely Response

2018-07-20

Jupiter, FL

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2018-07-19

Maynard, MA

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: XX/XX/2018 {$270.00} The charge was placed on my card without my authorization. I traded in a perfectly functioning XXXX XXXX for an upgrade to a XXXX XXXX. XXXX is stating the phone was damaged and back charged me {$270.00}. This is not possible. I had [ aid for insurance through XXXX. If the phone were damaged I would have used my insurance to have it repaired. XXXX not only stole my money for phone insurance but stole an additional {$270.00} for the trade in of the phone. I am filing a complaint with the CFPB. I have disputed this item multiple times. XXXX has offered to investigate and is unresponsive.
Company Response: Closed with explanation

Timely Response

2018-07-19

Gretna, LA

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: Due to unforseen circumstances, I was delinquent on my TD Bank retail charge account representing furniture store XXXX XXXX XXXX. I was delinquent for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was marked as delinquent 30 days for the month of XX/XX/XXXX according to the credit bureaus. After this time I paid all future bills on time until the closure of the account in XX/XX/XXXX. I contacted the company XX/XX/XXXX and received a statement credit of {$37.00} on XX/XX/XXXX for the late fee issued XX/XX/XXXX. After speaking with multiple people from customer service department, my credit bureaus still show 30 day delinquency for the month of XX/XX/XXXX.
Company Response: Closed with monetary relief

Timely Response

2018-07-19

Northridge, 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

2018-07-19

NJ

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: I applied for td cash card on XX/XX/2018. It was an offer through email because me and my husband are td bank debit card holders for a long time. The offer was that were going to get {$150.00} for the first {$500.00} spend in the first three months and were going to get XXXX XXXX and XXXX XXXX. Which we got all of it. But there was also promotion that we can paid it off any balance in 12 months. Which wasnt the case when we received the second bill with late charge of $ XXXX.We called them and they say that there was 0 % APR on balance transfer not on the balance of the account.Please help!
Company Response: Closed with explanation

Timely Response

2018-07-19

Kendall, 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

2018-07-18

Springfield, MO

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-07-18

Fountainville, PA

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I was getting a mortgage for a house and although I had closed my TD bank accounts years previously, somehow, a charge was able to be put on my TD bank card. I was never notified of this charge because my account had been hacked before I had closed it without me knowing about it, therefore, all the bills and late fees were going to an unknown address. Due to this, my XXXX XXXX had dropped by 250 points. I almost lost my new house and can barely afford my new mortgage payment because of my credit score. I ended up going to a brick and mortar TD bank the first week of XX/XX/XXXX because I was not being helped over the phone. I paid the account off and my account was once again closed. About 6 weeks later I received an account summary in the mail from TD Bank. It was a new bank account that was opened with no money in it but it was charging me a {$1.00} maintenance fee. I did NOT open this account and I went back to the bank to get it taken care of. Once again, this account was closed. About a month after that, I received another account summary in the mail from TD Bank charging me another {$1.00} in maintenance fees for an acct. Because I now live about 40 minutes from the TD Bank and because when I called the vice president I was dealing with was on vacation, I wrote a long email to the vice president at the bank. I received a response back saying " escalating this matter immediately ''. I just received a new summary on XX/XX/XXXX, now a few weeks later, saying that my account with TD Bank is now PAST DUE a {$2.00} maintenance fee! I don't know what else to do. They will not close my account even though I closed them myself in XX/XX/XXXX. My credit score is being affected by these " late fees '' I've contacted the bank over 3 times already!!
Company Response: Closed with non-monetary relief

Timely Response

2018-07-18

Kansas City, MO

Unable to get your credit report or credit score

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

Problem getting your free annual credit report
Company Response: Closed with explanation

Timely Response

2018-07-18

Maclean, VA

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2018-07-18

SC

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Problem with customer service
Complaint: On Sunday XX/XX/2018, I browsed the XXXX website with an interest in purchasing the Frame TV. XXXX advertised a partnership with TD Bank allowing for interest free financing of the TV. I applied for the financing with TD Bank and was immediately approved. My credit score was adversely affected because of the credit inquiry and subsequent extension of credit to purchase the TV as advertised by XXXX. Upon placing the order with XXXX, my account was flagged. XXXX said that they often have this " glitch '' when receiving orders being paid with TD Bank 's financing even though I was fully approved. They advised me to verify the shipping and billing address with TD bank, all of which I did. XXXX said that they would remove the flag and that I would be able to place the order using the TD Bank financing. Today, I received an email stating that they would not remove the flag and to place my order using another method of payment. As I explained to XXXX, that response was unacceptable since they fraudulently induced me to apply for credit with TD Bank, thus affecting my credit score, when three XXXX representatives told me that they are aware of a " glitch '' in their system that will not allow the order to proceed.
Company Response: Closed with explanation

Timely Response

2018-07-17

Beyersville, TX

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: On Saturday, XX/XX/XXXX at XXXXXXXX XXXX I received a citation from a gentlemen my children answered the door and my husband approached him stating that he had a package that required my signature only there was no packaged and provided me with a Justice Court Citation document with Docket Number XXXX issued by TD Bank USA, NA regarding a XXXX Credit Card. Sending someone to my home was unacceptable and the delivery person said this was in reference to a Debt in front my my daughter and overheard by my brother in law which is a privacy issue. On Monday, XX/XX/XXXX I sent an email to the court advising them that I had received this document that I was being sued by TD Bank and asked them how do I respond as the document stated that I could have a Judgement placed for no response. The court advise the email I sent was valid to serve as my response. I then replied to the court on XX/XX/XXXX requesting information on a payment arrangement or information as to who is handling the account as I am unable to pay the full amount they requested. The advised that they were not allowed to give information and to contact the Attorney. I sent them an email that afternoon at XXXXXXXX XXXX to XXXX requesting the information and received no response. I am only dealing with them in writing and want information as to which debt agency is handling this account so that I can setup payment arrangement to avoid a Judgement as I feel that I have responded to them in a timely manner. In addition, they violated privacy rights by telling me in front of my home where other 3rd parties could hear that this is in reference to a Debt. This is threatening tactics and there are no signatures on this document this is a violation of the Fair Debt Collection Practices Act.
Company Response: Closed with non-monetary relief

Timely Response

2018-07-17

Warren, RI

Incorrect information on your report

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

Account information incorrect
Complaint: NORDSTROM/TD BANK USA XXXX Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage 114 % Balance {$1900.00} Balance Updated XX/XX/XXXX Credit Limit {$1700.00} Monthly Payment - Past Due Amount {$1900.00} Account has been closed/charged off since XX/XX/XXXX which is still reporting a balance along with reporting a delinquent payment history every month up until present day. The account was written off by Nordstrom who in turn sent me a tax form stating so back in XX/XX/XXXX/XX/XX/XXXX. Please stop allowing this account to continue to report negative payment for the last 4-5 years, I have no way of knowing who debt was even sold to therefore can not make payment even if possible please help!
Company Response: Closed with explanation

Timely Response