TD BANK US HOLDING COMPANY

2018-05-28

MS

Incorrect information on your report

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

Account status incorrect
Complaint: TD Auto has received full payment for my totaled vehicle. I paid the final payment after receiving the final statement from the balance left after my gap insurance over month ago. This will be my second time complaining. I have two delinquent payments showing on all three of my credit reports! Im trying to purchase a home. I need this fixed ASAP! This has ruin my credit! Ive tried my best to work with them. They are the worse bank ever! They keep telling me i have To speak to someone in the insurance resolution department. After being on hold for hours and for multiple days customer service still says theres nothing they can do and that its a small department with a lot of calls and I need to call back. Please help me get this resolved
Company Response: Closed with explanation

Timely Response

2018-05-27

Bronx, NY

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: It was on XX/XX/2018 and it was on XXXX and i purchased off of a stranger online using XXXX and it was a mistake i figured since they used it in the banks which my bank being td bank they are still saying i cant get my refund it was {$140.00} i lost and im pretty mad we dont get any type of protection so i decided to report the account of the person and make sure that he doesnt do it to anyone else i tried talking to my bank and nothing was done for me
Company Response: Closed with explanation

Timely Response

2018-05-26

Palos Park, IL

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Didn't receive advertised or promotional terms
Complaint: Signed up for paperless billing. Offered a 10 % off coupon for the anniversary date of XX/XX/18. Never received the coupon. Contacted XXXX about the problem. Informed that I also needed to sign up for email alerts. Signed up for the alerts. Never received the coupon. XXXX failed to email a bill for the month of XXXX and failed to send the coupon. Now XXXX sent me a statement with a late fee and interest charge for not paying a bill that they never sent. Got the late fee and interest waived and paid off the current bill. Still no coupon and no help rectifying the problem.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-25

Lakewood, NJ

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 explanation

Timely Response

2018-05-25

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-05-25

Janesville, WI

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-05-25

Harrison Township, NJ

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2018-05-25

CA

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Complaint: My identity was stolen and this creditor will not remove this fraud account from my report
Company Response: Closed with explanation

Timely Response

2018-05-25

Syr, NY

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-05-24

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-05-24

Giddings, TX

Incorrect information on your report

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

Account information incorrect
Complaint: After viewing credit report there is a Charge-off of an amount that I have never been aware of.
Company Response: Closed with explanation

Timely Response

2018-05-24

City Industry, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-05-24

Saint Paul, MN

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account information incorrect
Complaint: I worked with XXXX XXXX XXXX XXXX to settle my XXXX credit card. They told me the account was in a precharge off status and they offered me a settlement of {$780.00} due on or before XX/XX/XXXX. They said if I don't make the payment or if the payment is late then the credit card would charge off. I made the payment on XX/XX/XXXX for {$780.00} over the phone with my routing and account number. They said they would update XXXX so XXXX can update the credit bureaus. XXXX updated my report saying that i made " payment after charge off/collection settled - less than the full balance ''. I was confused so I called XXXX XXXX at XXXX XXXX XXXX XXXX who is a collection supervisor, I explained that I settled the account with them and I asked him if the account was charged off when I settled it. He said no it was definitely not charged off and his company updated XXXX that it had been settled, he told me I would have to contact XXXX because they are the ones that update the credit bureaus. I called XXXX and explained the situation. I talked to a couple representatives, one said that because I settled the account that means it was charged off and that is why it reflects that way, which is completely inaccurate information, she claimed she would put in my dispute. I talked to another person at XXXX right after that and she said she wasn't sure why it would update like that on the credit report, and proceeded to say it was probably an error in timing and when XXXX XXXX XXXX updated XXXX, she said she would put in a dispute. She then proceeded to give me the phone numbers for the 3 different credit bureaus and said to have them call XXXX to confirm the way that the account should be reflecting, that it was settled, not charged off. She also asked for my permission to speak with anyone from the three credit bureaus about my account, which I gave them permission to do. I called one of the credit bureaus and waited on hold for an hour, and when I got a live voice on the phone I told them what XXXX told me and asked them to call XXXX to verify how my account should be reflecting on my credit report - they refused to do that saying they don't make calls to creditors. I've wasted hours of time trying to get this resolved and still don't have an accurate resolution.
Company Response: Closed with explanation

Timely Response

2018-05-24

Oxford, GA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: Almost 3 weeks ago I noticed that there was a mobile deposit that went into my account that was not authorized. I never made any type of mobile deposit. The amount was for a little over {$1400.00}. I noticed the deposit was made because I logged into my mobile bank account app. A few minutes later when I went to check the app again I realized that I was locked out of my account. I immediately called TD Bank and they informed me that the mobile deposit was made and I tried to explain to them that I never authorized the deposit and that someone hacked into my mobile app and had my username and password info. The same people who hacked into my account also ended up withdrawing funds into the thousands of dollars. Finally TD Bank shut my account down, but did not close it. The account could not be closed because I was so in the negative from all of the charges that were made. To make matters worse, this TD account was linked to my direct deposit from work so my direct deposit from work went to cover all the illegal charges that were not authorized to cover for the negative balance. I worked an entire 2 weeks at work and never saw that paycheck. I have been able to delete this card from direct deposit at work and just do a pay card but this entire situation has been a nightmare. TD Bank has been incredibly unhelpful in this entire ordeal and it has been extrememly stressful to deal with.
Company Response: Closed with monetary relief

Timely Response

2018-05-23

Lake City, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-05-23

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2018-05-23

CT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I received a XXXX in XX/XX/XXXX & XX/XX/XXXX from TD Bank with an incorrect address for my property located at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( previously XXXX ). I've been working with XXXX XXXX, Manager ( XXXX, CT ), XXXX XXXX, XXXX XXXX & XXXX XXXX, Regional Manager ( XXXX, CT ) since XX/XX/XXXX to correct the issue. As of today ( XX/XX/XXXX ) I have been unsuccessful.
Company Response: Closed with explanation

Timely Response

2018-05-23

Herndon, VA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2018-05-23

Queens, NY

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/18 betweeen XXXX and XXXX XXXX I went in the TD Bank Branch on XXXX XXXX and XXXX XXXX in XXXX XXXX, NY to make a CASH deposit for {$1500.00} with the teller. The next day when I checked my account the deposit was not made. I don't have the receipt of my deposit. I spoke with XXXX XXXX about my issue and he assisted in the investigation. He looked at the Banks cameras from XXXX to XXXX, but he did not recognize me coming in the Branch.
Company Response: Closed with explanation

Timely Response

2018-05-23

Columbia, SC

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-05-23

Cambridge, MA

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

2018-05-22

Greensboro, NC

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I XXXX XXXX went to close my bank checking account at TD Bank and the manager told me that my account would be closed automatically after 30 days if no charges were posted. And the reason why i am here today is to inform that i never was notified by the Bank Institution allowing me to know that my account was overdraft with extremely high interest rating posted on my XXXX report preventing me to open a new bank account anywhere in U.S.A. I also recently Filled a consumer Complaint with my Attorney 's General and XXXX regarding this issue. Reason why took me so long to solve this issue was only because recently i went to try to open a bank account and i got denied because of what TD Bank is charging me out standing fees that i don't believe these fees were supposed to be charged to begin with because my account was closed by me before these fees were applied. Thank you very much for your time and hope to hear from CFPB as soon as possible to help me waive these outrageous Bank fees.
Company Response: Closed with explanation

Timely Response

2018-05-22

Houston, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: cra violations inaccurate information sent police report and still on credit report after 30 days
Company Response: Closed with explanation

Timely Response

2018-05-22

Council, NC

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Closed with explanation

Timely Response

2018-05-22

Washington, DC

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response