TD BANK US HOLDING COMPANY

2018-06-11

Sacramento, CA

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2018-06-11

Brooklyn, NY

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with monetary relief

Timely Response

2018-06-11

Manhattan, NY

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

2018-06-10

South Florida, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: To whom it may concern, I have been facing hardship for over the last two months due to fraudulent charges that were made using my TD bank Visa debit card, wiping my checking account clean. Fraudulent charges were made on my checking account totaling in {$2800.00}. The transactions were wire transfers using the company " XXXX XXXX ''. The transactions were {$300.00} on XX/XX/XXXX, {$990.00} and {$610.00} on XX/XX/XXXX, {$130.00}, {$94.00}, {$500.00} on XX/XX/XXXX. There was one more transaction for {$200.00} made on XX/XX/XXXX. This account was mostly used to make deposits in order to save up for housing and a vehicle. TD bank has not helped at all and I have not been able to speak with their fraud department. They have not done any investigating and basically told me to deal with the merchant myself. I have called the merchant and they have horrible customer service and have been no help.I have filed police reports and spoke to several supervisors with no resolution. I have never heard of the company XXXX XXXX until I became a victim of fraud. I have never sent anyone a wire transfer in my entire life and these transactions can be proven as fraudulent, but TD bank has failed to do a proper investigation. Representatives at boss revolution have told me that there were phone calls made using my identity as well as an ID that was required when making these transactions. I would like a proper investigation to prove to TD bank that these transactions were fraudulent so that I can get my life back to normal. I worked very hard to save that amount to have it stolen and my bank has been absolutely no help. I have not been able to speak to anyone and they have done a terrible job at assisting me. I have never had such an experience with any company in my life. Please reach me at XXXX or my email XXXX Best regards, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-06-09

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-06-09

Tarzana, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge 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 two late payments being reported. As a XXXX XXXX with XXXX XXXX XXXX, I was relocated by the company to the XXXX XXXX XXXX XXXX for one year. As part of this agreement the company purchased two cars on my behalf but the company assumed full responsibility for making payments on the associated car loans through TDAF. For insurance purposes, I was required to take the car loan out in my name. However, the company paid the bill each month as part of my compensation and they took full responsibility for these payments being made on time. when the loan was first set up in XXXX, XXXX XXXX XXXX set up auto pay but due to an error the account was not debited in XX/XX/XXXX. Then after all that we successfully set up auto pay and everything worked smoothly until XX/XX/XXXX when the car was sold and the payoff was received by TDAF, Unbeknownst to XXXX, TDAF noted a small balance on the account due to an administrative fee and never notified us until there was subsequent bill that came in the mail after the fact. We were shocked yet again to see that another late payment was reported for XX/XX/XXXX. As you can see, I have a perfect credit history except for these two items on this same tradeline. I am very upset with TDAF, I have highly disputed these two late payments. Its causing me and my family extreme stress, due to the fact that credit is so important and effects every aspect of my life. TD AUTO FINANCE ACCT. # XXXX
Company Response: Closed with explanation

Timely Response

2018-06-09

New Britain, CT

Struggling to pay mortgage

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

Company Response: Closed with non-monetary relief

Timely Response

2018-06-08

Tibbs, MS

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: OnXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made purchases using my Nordstrom Rewards XXXX card for a no interest, no payment promotion until XX/XX/XXXX. I have made 2 payments over my minimum monthly payment on XX/XX/XXXX in the amount of {$92.00} and on XX/XX/XXXX in the amount of {$180.00} to pay down my promotional balance before the expiration date. I have made a total of {$150.00} towards the promotional balance of {$210.00}. I called XXXX XXXX XXXX in XXXX to ask them to apply my additional payment of {$36.00} to my promotional balance and I was told that would happen. It never happened. When I called today on XX/XX/XXXX to ask them why my additional payment from XX/XX/XXXX and XX/XX/XXXX wasn't applied towards my promotional balance, I was told I'd have to pay off my entire card balance to not be charges interest on the promotional balance. This is absurd. What is the purpose of taking advantage of a promotional purchase if I'm going to be charged interest in the long run? This stupid practice was not communicated when the promotional offer was advertised. I wouldn't have made the purchases if it were.
Company Response: Closed with explanation

Timely Response

2018-06-08

Gilbert, AZ

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-06-08

Saint Paul, MN

False statements or representation

Debt collection: Auto debt

Attempted to collect wrong amount
Complaint: XXXX XXXX Account number : XXXX Vehicle Identification Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX TD Auto Finance XXXX XXXX XXXX XXXX, XXXX XXXX Re : Disputing error [ s ] on credit report To whom it may concern, I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report. The report shows I currently owe {$3200.00} and also I have been late of payments from XX/XX/XXXX to XX/XX/XXXX. However the account has been closed since XX/XX/XXXX when was determined a total loss due to damage of car. The company received payments from my insurance company as well as my GAP coverage and all other vehicle contracts payment which is listed in payment history which should have cover the balance of the car. I recently obtained credit report in XX/XX/XXXX and discovered the company had a balance of {$3100.00} and late payments from XX/XX/XXXX to XX/XX/XXXX payment status charge-off. I was aware the company received payments from all insurance companies and believed account was paid in good standing. Once I reached out to the company and disputed the issue with all three credit consumers in XX/XX/XXXX to fix errors XXXX XXXX XXXX stated the balance was incorrect and requested time to fix error but stated they did not have to reach out to me about any balance been owed however that would have help the situation if company communicated before adding late payments and incorrect balances to my credit. After the dispute I received my updated balance which is {$910.00} XX/XX/XXXX. I reached out to company once again to ask why did they update the balance to {$3200.00} and also the late payments from XX/XX/XXXX to XX/XX/XXXX on my credit report. The company stated the balance of {$910.00} need to be paid before updating my credit report but have once again updated false information as you can see in XX/XX/XXXX and the credit reports giving. I will like the information removed immediately from my credit report which is making it hard for me to open other lines of credit. This matter should have been handled with better judgment and I know the account has been updated but not correctly. I have never missed a payment and should have received a letter months ago pertaining this matter. I have attached both copies of my report with the accounts from XX/XX/XXXX and XX/XX/XXXX it shows they did not update it to the correct balance also they added more money to balance and more late charges. The payment history I obtained from company. Also the only letter I received from the company this year regarding the balance. Thank you for your assistance. Sincerely, XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2018-06-08

Staten Island, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2018-06-07

Scituate, MA

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-06-07

Carmel, IN

Incorrect information on your report

Credit card or prepaid card: Store credit card

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-06-07

Fort Myers, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with monetary relief

Timely Response

2018-06-07

Long Island City, NY

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I've been charged more than 900.00 in overdraft fee in the last 2 years with my TD Bank. I am certain their overdraft fee policies were designed to specifically exploited the weakness of bank consumers tardiness. They are making billions from taking crazy fee due to sometimes charges that I'm unaware off and there are no way and no grace period where I can deposit the money to take care of the overdraft. Instantly, they are taking credits for money not in the account. Something needs to be done ... as these banks are practically stealing legally from everyday hard working people. Being charge XXXX for a XXXX transaction is just pure loan sharking us.
Company Response: Closed with explanation

Timely Response

2018-06-07

Ocklawaha, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: My Wallet Was Stolen From Me At The Mall After Telling Multiple People That Work For TD Bank That I Suffer From A XXXX XXXX And XXXX XXXX XXXX XXXX And I Have To Keep My Private Informations written Down In My Wallet They Still Refuse To Reimburse My Money And Continue To Deny My Claims
Company Response: Closed with explanation

Timely Response

2018-06-07

Temperanceville, VA

Incorrect information on your report

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

Account information incorrect
Complaint: On several occassions, I have disputed a TD Bank USA / XXXX XXXX XXXX account that was paid in full to the creditor onXX/XX/XXXX. I have sent the documentation that I received from XXXX to XXXX and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( XXXX and XXXX ) and have them call XXXX with my authorization to verify the status and balance of the XXXX account. I have called XXXX and they refuse to call XXXX and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.
Company Response: Closed with non-monetary relief

Timely Response

2018-06-07

Brooklyn, NY

Problem getting a card or closing an account

Credit card or prepaid card: General-purpose prepaid card

Trouble closing card
Company Response: Closed with monetary relief

Timely Response

2018-06-06

Fort Washington, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-06-06

Arco, CA

Problem when making payments

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

Problem during payment process
Complaint: I have a loan with TD BANK USA/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TD BANK USA/XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2018-06-06

Gilbert, AZ

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

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

Timely Response

2018-06-06

Nyc, NY

Getting a credit card

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

Application denied
Company Response: Closed with non-monetary relief

Timely Response

2018-06-06

Smyrna, SC

Charged fees or interest you didn't expect

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

Complaint: I applied for the XXXX XXXX ( line of credit ) financed through TD Bank. I was not given terms and conditions during the application at the dealership where I applied. When I called TD bank to confirm terms and conditions they could not verify what it was I qualified for other than the credit limit in which they approved me for during the online application at the dealership. I was advised that I would need to carry a balance on the line of credit before they could confirm the promotional offer that I may have qualified for. The dealership where I initiated the application advised me that I would have 12 months with no interest and no promotional fees or early pay off penalties. I called the lender ( TD Bank ) to confirm and they said they would not be able to provide that information and that it was up to the merchant I purchased the product from. I do not understand how they, as the lender, are not able to confirm what I qualified for and what the terms and conditions were for what I was approved for by their underwriters. The dealership/merchant is not the underwriter so why would they determine what I qualified for? I think TD bank is violating Truth in Lending ( Reg Z ) and treading on potential Fair Lending violations. I have not yet received any fees or anything different than was verbally communicated to me by the merchant but, the transaction has not yet posted to the account. I am fearful that I could be held to a different rate and promotion than what I was told. At the very least, the lender should be able to confirm what I was signed up for. I spent several hours on the phone trying to file a formal complaint with TD bank and made several attempts to get confirmation on what it was that I was signed up for to no avail. I finally got a mailing address and fax number to file a complaint with TD bank. Seems to me they could enhance their Complaint handling program as well. I should have been able to call in and leave my complaint or email it to someone.
Company Response: Closed with explanation

Timely Response

2018-06-06

Jacksonville, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-06-06

Phila, PA

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
Company Response: Closed with non-monetary relief

Timely Response