TD BANK US HOLDING COMPANY

2018-06-26

Liverpool, 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

2018-06-26

Knickerbocker, NY

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with explanation

Timely Response

2018-06-26

Chapel Lakes, FL

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 explanation

Timely Response

2018-06-26

Hudson, NC

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted your employer
Complaint: Endangering my job by calling my employer to collect a debt. XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-06-25

NJ

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I normally pay my XXXX XXXX XXXX online through my Bank. In XX/XX/XXXX, XXXX sent me an email to sign up for their new app and make my payment through the app. I decided to start this process as I feel that it is always a good thing to have a back up payment option. I set up the payment to come out of my XXXX XXXX Account. I received a confirmation from XXXX XXXX that my payment was scheduled and I had a Confirmation Number. The payment date was XX/XX/XXXX and my payment was technically only due on XX/XX/XXXX. On XX/XX/XXXX I received a new statement alert from XXXX indicating that I was past due and that they assessed me a {$28.00} fee for a returned e-payment. I contacted XXXX and they informed me that the payment that I had initiated for XX/XX/XXXX was returned because there was incorrect bank information for them to process the payment. I asked them to review the account information they had on file and they stated they could not. When I tried to review it on their website I could only see that last 4 digits of the account number which appeared correct. I did not receive any notification that there was any type of processing error. I requested a refund of the {$28.00} as they could not verify what information was in their system and they did not contact me in a timely manner. They refused. I do not believe the account information was incorrect, but that their system was unable to process the payment and I got charged for their error.
Company Response: Closed with explanation

Timely Response

2018-06-25

Gretna, LA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: To whom it may concern : On XX/XX/XXXX, my truck was repossessed and taken from my driveway. The repossession occurred around XXXX XXXX in the morning. Due to an automatic draft era with my bank, my truck loan was not paid. I immediately revered my truck within 12 hours of the repossession. I paid {$860.00} for towing, {$650.00} for fees, and {$1100.00} for past due amounts. The total amount for recovering my vehicle was {$3600.00}. My truck loan is only {$710.00} a month. In all paid 5 months of truck loans. I only owed for 2 months. My account was over 60 days due on XX/XX/XXXX. TD ( TD Bank ) also charged me for sheriff fees for my truck to be taken off my property. The sheriff fees are only supposed to be issued if I deny the sheriff access to my property. I did not protest the towing. No sheriffs were present. I paid the requested amount on XXXX the XXXX, XXXX before XXXXXXXX XXXX. I did not get the location of my truck from XXXX until that afternoon. TD lets XXXX handle their repossession claims. XXXX hired a XXXXXXXX XXXX XXXX XXXX XXXX to tow my truck. My truck was towed with the front axle wheels on the ground from my house to the towing yard. When I arrived I saw my truck in the yard. One of the workers asked me if that was my truck as I was looking through the fence. She informed me I had to wait until tomorrow because they were about to close in thirty minutes. I demanded my truck and fill out the necessary paperwork so my truck can be released. Before the truck was released to me, one of the workers asked me for my key. When he tried to move my truck, the gears would not engage. He informed me that the tow truck driver pulled my truck out of gear. This could have caused major damage to my transmission. I have not had my transmission checked as of yet. The worker used a forklift to raise my truck from the back. The truck was at a steep angle on the front two wheels. He got under the truck while it was raised on the forklift and somehow put the truck back in gear. I received a list of items that were supposed to be in my truck. When I entered my truck, my personal things were thrown all over my truck. There were only a few items on the list. I have several pictures that capture the state of my truck. The list was incomplete. The shoddy paperwork can be verified based on the pictures and the time/date stamp on the pictures. Only certain items the company thought were of value were listed. Those items if I recall were a XXXX, a XXXX ring, and a custom {$4000.00} tenor saxophone ( which labeled as an old junk instrument ). None of my belongings were bagged like the other customers that showed up. I had to pay the towing company {$150.00} for this negligent treatment of my property in addition to the {$3600.00} that TD Bank required me to pay. Within a week of the repossession, my truck started to shake near the front axle. I notice my tires were balding so I replaced them with used tires in good condition for {$65.00} dollars a tire. Not long after that, I had to replace those tires again with used tires at the same price. Sensing something was wrong with my suspension, I bought my truck to a XXXX automotive center for an alignment. They informed me after paying {$20.00} dollars for the initial inspection, that both upper control arms were badly bent. XXXX estimated my repair bill to be {$2600.00}. I had to drive my truck to my home. I bought 2 upper control arms for my truck from XXXX XXXX XXXX. I had a local mechanic replace the control arms. After the repair, I returned to XXXX automotive to get an alignment. I have not had any problems since the alignment. The alignment was {$50.00}. The upper control arm repair was close to {$600.00} dollars. I have been making my vehicle payments on the XXXX of every month since but I am two months behind because of repair fees due to the tow. I have talked to TD every month and made my payments over the phone. Last month, XX/XX/XXXX, a representative from TD listened to my story and advised me to ask for a two-month extension while paying on the XXXX of each month as usual. This month I made a phone payment on the XXXX of this month because TD offices are closed on the weekend. I called today to see if the payment cleared. The agent this morning advised me that the truck was out for repossession and that I owed {$1600.00} before XX/XX/XXXX. She also stated I received a letter in the mail. I did not receive the letter yet. She also began to falsely accuse me of being 90 days late since the repossession and I need to just pay the bill and she could not connect me to a supervisor. She told me they were all assisting other calls. I asked about the repairs and she gave me a number for TD redemption department. I told the agent that I already went through this process 3 times already. No one wants to accept responsibility. She advised me that was my only avenue to clear things up. I called the redemption department and the gentleman informed me that my car was not out for repossession and my phone payment was posted on the XXXX of this month. He said it was made on the 59th day. The previous agent from the call center said I was 61 days late and my truck was going to be repossessed and she needed {$1600.00} by XX/XX/XXXX. The redemption agent told me just try to make an additional payment so that I could be in good standing. He gave me the number for XXXX to file a claim for damages to my truck. When I called XXXX the agent told me that I should contact the tow yard. I told him that the company advised me to contact TD. I advised him that I had been through this process 3 times. He abruptly told me that I had not called and reported an incident. But my phone records show that I called all parties including XXXX. I am filing a claim for damages with XXXX. They asked for proof with receipts. I do not have receipts for the repair but I do have every other documented that XXXX wants. I just want someone to apology for their service and for damaging my property. It is evident that this vehicle loan for any entity is an opportunity to take property from poor people that may not have enough money to deal with all the fees. I am a XXXX XXXX with a XXXX member family. I can not afford to part with large sums of money at a time due to another persons negligence.
Company Response: Closed with explanation

Timely Response

2018-06-25

Nashua, NH

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Company Response: Closed with explanation

Timely Response

2018-06-23

Blytheville, AR

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

2018-06-23

Washington, DC

Opening an account

Checking or savings account: Checking account

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

Timely Response

2018-06-22

Bronx, NY

Other features, terms, or problems

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

Other problem
Complaint: I try to apply for credit card with TD Bank fot the XXXX XXXX XXXX XXXX and i was Denied XX/XX/XXXX on Applying for a Credit Card With TD Bank and Inquiry was Posted on my Credit Report Until XX/XX/2020 and the reason why i was Denied Insufficient credit history showing on my XXXX Report i contacted XXXX and there is not problem with my Credit Report and i have good credit score on my credit to be denied for a credit card account with this Bank.
Company Response: Closed with explanation

Timely Response

2018-06-22

Mabank, TX

Trouble using your card

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

Can't use card to make purchases
Complaint: I was trying to make a purchase on my credit card number ending XXXX and it was declined by the bank and I called them and they told me that they will send me a one time passcode to my phone number ( XXXX XXXX wasn't verified and told me I have to wait and didn't give me a time frame and I was unable to use my credit card and the fraud rep was laughing at me and didn't ask for any documents from me or anything I like my ID OR DRIVER LICENSE AND I CANT USE MY CREDIT CARD AND I REFUSED TO PAY THIS BILL AND I ASK FOR A SUPERVIOR AND SHE WOUDNT TRANSFER ME AND I have received calls from the fraud dept 7 times every time I make a online transactions and they are mines and now on XX/XX/2018 I still cant use my credit card
Company Response: Closed with non-monetary relief

Timely Response

2018-06-22

Jupiter, FL

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: Within the last 2 weeks I have been receiving declination letters from various banks for auto financing that I did NOT apply for, using my name and home address of 10 years by persons I do NOT know. The names that are fraudulently using my name and address are XXXX XXXX XXXX XXXX and XXXX XXXX. According to these letters I have received, these persons unknown to me, went to XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX and applied for a car loan. I myself went to this dealership and did NOT apply or accept a loan. A week or so later, I have been receiving declination letters from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and TD Bank. Some of these letters have my name on them along with this XXXX XXXX XXXX XXXX ( of whom I do NOT know ). The dates are XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have called and visited XXXX however XXXX 's finance person was of no help. XXXX filed a report with their finance department and I have heard nothing. This issue started with XXXX XXXX of XXXX. This company is to blame for their lack of security measures concerning consumer information.
Company Response: Closed with explanation

Timely Response

2018-06-22

Phila, PA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-06-21

Discovery Bay, CA

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: Im writing you this letter to inform you that XXXX XXXX will not take this one late payment off of my three credit reports. I have sent them all paperwork too show I have had mail theft in my neighborhood, and it's been going on for a long time, so when I first got my credit reports I noticed things that weren't right that were on my credit reports. I started investigating all of my accounts. XXXX was one of them, it was showing I was late on XX/XX/2014, I had called and spoke to a supervisor, and a lot of there employes that worked there, so then they sent me papers too fill out, and i sent them back and that went on for about 4-5 months all of this for one late payment on my target account, that was for a late payment, and it wasn't my fault it was due too the mail theft.
Company Response: Closed with explanation

Timely Response

2018-06-21

Palmerton, PA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-06-21

Bohemia, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: XXXX XXXX XXXXXXXX is using deceptive algorithms to increase revenues on overdraft fees. I have studied their accounting algorithms for months and taken notes and have copies of receipts, statements, etc. as evidence. In general overdraft is straight forward, if you use more than your account balance they tack on a fee for covering the transaction. They have a bad policy of posting items by amount for largest to smallest ( this is not my complaint but should not be legal, this only guarantees that they get the maximum amount of fees they can collect and if this is something that we can discuss to fix this practice for all consumers it would be great. ) However, my complaint is on a more deceptive practice where they will manipulate the POST date which appears to be controlled by software triggers based on transaction to cause overdraft to happen then they use the practice above to get the most amount of fees they can. Here is an example which happened recently that I have documented well. At the end of day XX/XX/XXXX my available balance was {$430.00} In this order I made transactions against my available balance XX/XX/XXXX - Starting Balance - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - ATM Deposit ( XXXX ) - XXXX - XXXX XX/XX/XXXX - ATM Withdrawal - XXXX - XXXX XX/XX/XXXX - XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX - XXXX XX/XX/XXXX - XXXX - XXXX - XXXX All of which have a posting date of XX/XX/XXXX ( which is what they choose to do ) I have receipts with time stamps for all the above transactions including a receipt from your ATM on XX/XX/XXXX at XXXX At the end of day on XX/XX/XXXX my available balance was {$250.00} Monday morning my account was negative 46.04 because of the {$290.00} XXXX charge. This charge has a posting date of XX/XX/XXXX and is where their triggers happen. Normally all transactions post the day after their transaction date, however TD bank when their system senses it can create an overdraft situation manipulates dates and posts the same as the transaction date.
Company Response: Closed with explanation

Timely Response

2018-06-21

Brooklyn, NY

Incorrect information on your report

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

Account status incorrect
Complaint: The XXXX card was opened in error in XX/XX/2017 when a XXXX card system failed in the store to accept an already valid account card. The application for the new card was told to have been terminated in the store once I realized the process was actually opening a new account, accessing my FICO scote, and adding an additional account with the creditor. Instead, I started getting calls in the first month about the charge. I asked that the charge be verified as well as the validity of the account. Instead, collection continued and another charge added to the account, which was also questioned. After I figured out on my own the error of opening a new account altogether in the store instead of fixing the problem accepting the card/account I already had, the new account had been listed as delinquent without validating any of it. This is notably a one month delinquincy report affecting my entire FICO category. I paid in full and never received the late payment fee reversal. Also, the account was requested to be closed months ago.
Company Response: Closed with monetary relief

Timely Response

2018-06-21

Glendale, 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

2018-06-21

Gloucester City, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Bounced checks or returned payments
Company Response: Closed with explanation

Timely Response

2018-06-21

Lodi, NJ

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with monetary relief

Timely Response

2018-06-20

Royal Palm Beach, FL

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

2018-06-20

PA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I bought a golf cart on credit and my first payment was due XX/XX/XXXX. I went online to the credit cards website on XX/XX/XXXX to pay my bill and a late fee was assessed on XX/XX/XXXX! I contacted them on XX/XX/XXXX to request this be removed immediately and to confirm back it was not reported to the credit bureaus. They have not responded to me yet ... 3 days later. I want this resolved and I also want the proper authorities to have this company stop the practice of levying late fees BEFORE a due date!!
Company Response: Closed with explanation

Timely Response

2018-06-20

Jupiter, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-06-20

Gloucester City, NJ

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: TD Bank is doing a true disservice to me and I am owed a remedy. They drag out the processing of my transactions and make it appear as though my transaction happened a different day then they did. On top of that travesty, they then keep overdrawing my account to collect bank fees. They have my account as being overdrawn when it should not be. Someone at TD Bank doesn't know how to do math. My account Balance should be {$54.00} not negative {$140.00}. Now I demand TD Bank not discriminate against me for reporting their misbehaving and close down my checking or savings accounts. I also demand TD Bank credit my account and make my balance what it should be {$54.00}. I also demand that TD Bank stop dragging out the processing of my transaction, trying to overdraw my account.
Company Response: Closed with monetary relief

Timely Response

2018-06-20

Bronx, NY

Money was not available when promised

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

Company Response: Closed with explanation

Timely Response