TD BANK US HOLDING COMPANY

2018-07-10

Dale City, VA

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with monetary relief

Timely Response

2018-07-10

Washington, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This complaint is in reference to the XXXX XXXX entry Account Number:XXXX entry listed both on my XXXX and XXXX credit reports. I have contacted XXXX XXXX several times viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or an itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the abscence of any such documentation I formally request that this information be immediately deleted from my credit file.
Company Response: Closed with explanation

Timely Response

2018-07-09

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2018-07-09

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: I opened my checking account with TD bank branch on XXXX XXXX XXXX in XXXX, NH on XX/XX/2018 as a non resident. The bank closed my account on XX/XX/2018 without any warning. I tried to log in online and all my credentials were denied so I emailed the store supervisor named XXXX XXXX inquiring about what was going on and her answer was that they closed my account because they needed additional information from me but could not reach me with the phone number I provided. She claimed that they called me 5 times and left voice messages though I haven't seen any missed call or voicemail. They did not send any official mail to the address I provided when I opened the account to let me know they needed more information or use my email address that they have to let me about the issue. I feel abused and confused as to why they closed my account this way and I haven't done any suspicious activity on my account or harass any of their employees. The only transactions I've been doing are either buying things online or in a store or transferring money from my XXXX account to my bank account.
Company Response: Closed with explanation

Timely Response

2018-07-09

TN

Incorrect information on your report

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

Account status incorrect
Complaint: I opened a credit card with XXXX through TFD bank in XXXX. I paid off my balance with no late payments or balance carryovers from XXXX. -In XXXX XXXX had a huge data breach, and I also had my wallet stolen, and many of my credit cards had fraudulent charges as a result of that theft. -I reported the fraud to XXXX, who sent me a new card, and asked for additional information about what charges were not mine- I filled out this paperwork and sent it back to them, in XXXX. I did not continue to make monthly payments once I noticed the fraudulent charges, as accounts should be frozen until dispute is resolved. XXXX did not freeze my account or remove disputed charges- they continued to charge me late fees, docked my account as not paying, and after six months, with no resolution from their fraud department except them confirming I had filed the fraud report and their sending me a new card, they had more than doubled the owed amount, of close to {$900.00}, to {$2400.00} of late fees, interest, and other charges, all incurred during the open fraud dispute. - In XXXX, XXXX submitted my account, exactly six months from the first 'missed payment, ' to a collection agency and to all major credit bureaus, starting an negative and costly process that has greatly affected my living, transportation, and life choices as a direct result. -In XXXX, XXXX filed a civil suit against me for the {$2400.00} debt they claimed I owed. After almost two years of court, XXXX failed to produce the original contract, acknowledge that I had filed fraud, and would not respond to questions about contract violations when fraud was first filed. The court ruling was to dismiss the case, as XXXX did not have the right to collect the debt from me, meaning that I was NOT responsible for the debt- it was fraud. -The case was dismissed XXXX XXXX, XXXX, and as a result the charges should have been removed from my credit history, the delinquent account status should be removed, and an account showing good standing with no charge offs should have been retroactively updated. This did not happen. XXXX XXXX of XXXX XXXX showed a charge off of {$2400.00}, saying I was delinquent, that I owed this debt, and placing the date of this as the same time they opened the lawsuit, two years prior. This appears on my credit report and still causes me great issues and financial hardship and will show as a negative until XXXX. -I filed disputes with all major credit agencies, but XXXX responded with updated information, in XXXX of XXXX, stating that I was responsible for the charge off, that it was a delinquent account, which is a direct violation of the civil case they had already caused me to endure, and the case they lost. They have maliciously gone against all of my letters and request, violated a court order, and continue to affect my life and finances, ability to get a home, a car load, etc. time from work to go to court, and other stressors and negative impacts.
Company Response: Closed with explanation

Timely Response

2018-07-09

Westfield Ctr, OH

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-07-09

Aberdeen, NJ

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Previous complaint number CFPB XXXX. I complained about a technical support issue with my checking regarding adding nicknames to my account. This has been an ongoing issue since XXXX of this year when the bank went with a new online system. I received a letter from XXXX XXXX XXXX dated XX/XX/2018 stating they are still working on the issue and have no ETA on fixing it. I believe I gave it enough time ( 3 months ) and the problem still exists. What can be done to speed up the process to have this problem corrected?
Company Response: Closed with explanation

Timely Response

2018-07-09

Frankfort, KY

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: On XX/XX/XXXX, it is stated on my credit report that I have a hard-inquiry from XXXX. This was not me applying for the card. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX, I am 100 % not sure where or what this company is. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX XXXX, not sure as to why I have one with them, when all I currently have is a debit card.
Company Response: Closed with explanation

Timely Response

2018-07-09

Cheshire, OR

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with monetary relief

Timely Response

2018-07-09

Beyersville, TX

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with non-monetary relief

Timely Response

2018-07-09

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-07-08

Brooklyn, 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
Company Response: Closed with monetary relief

Timely Response

2018-07-07

VA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I was charged a {$35.00} fee for a {$6.00} charge that should not have went through. This is ridiculous. TD Bank should not charge a fee for this ridiculously small charge. This charge was only XXXX!!! If the charge is under {$10.00} there should not be a fee. Period. Under $ XXXX-no fee.
Company Response: Closed with monetary relief

Timely Response

2018-07-07

Green Acres, FL

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Company Response: Closed with non-monetary relief

Timely Response

2018-07-06

Garden City P, NY

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

2018-07-06

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-07-06

Staten Island, NY

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Company Response: Closed with monetary relief

Timely Response

2018-07-06

Gaithersburg, MD

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2018-07-06

Ocklawaha, FL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: I am filing a complaint against TD Bank. I mailed my mortgage payment to my mortgage holder for the XX/XX/2018 mortgage payment for the amount of {$490.00}. The check was made to XXXX XXXX. On XX/XX/XXXX XXXX XXXX contacted me to ask me why I did not send the payment for XXXX, I told that it was sent had had been deposited at my bank, since I saw on my statement that it had been deposited. I then uploaded the check from my computer and noticed that the front of the check had been altered and that XXXX had been added in parenthesis next to his name and that the signature at the back was not XXXX XXXX name but that someone else had signed the check. I then went to the TD Bank on the same day and filed an affidavit of fraud and gave them the number of the police report I made. The paperwork was notarized at the bank and my husband and I was told that the money would be refunded in the next four days. Since then I have contacted them multiple times, I have been told that the affidavit had been sent to XXXX XXXX XXXX and that they can not be contacted by phone, then I was told that my case had not been assigned to anyone. They called me today and had me sign another affidavit telling me that they need to send it to New Jersey and restart the process. They are refusing to pay back for their mistake. Attached is all the paperwork that I have signed and provided them with. Sincerely, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-07-05

Centerville, FL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with monetary relief

Timely Response

2018-07-05

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-07-05

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
Complaint: I mistakenly submitted and extra {$1000.00} in paying off my loan. That check along with my payoff check of {$3100.00} ( a {$3.00} over payment ) cleared my account on XX/XX/2018. I phoned XXXX XXXX XXXX at XXXX and spoke with a woman named XXXX. She acknowledged the payments/payoff and notified me that my over payment would be sent out after 45 days. After telling her this was not acceptable I asked to speak with a supervisor. I was transferred to XXXX XXXX, she told me that I would be paid in 21 business days, again not reasonable! I offered to send her copies of my cancelled checks and allow them to verify that the checks had cleared, she declined. I feel that XXXX XXXX XXXX is committing an unfair and deceptive act or practice, they do not outline any of their policies regarding this in their contract.
Company Response: Closed with explanation

Timely Response

2018-07-05

Bedford Park, IL

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-07-05

Carmel, NJ

Problem with a purchase or transfer

Credit card or prepaid card: Government benefit card

Card company isn't resolving a dispute about a purchase or transfer
Company Response: Closed with explanation

Timely Response

2018-07-05

Manhattan, 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