TD BANK US HOLDING COMPANY

2018-05-10

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-05-10

Harsens Is, MI

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: TD Auto received multiple payments that was debited from my account. One payment was for XXXX XX/XX/XXXX for the month of XX/XX/XXXX. The second payment was XXXX XX/XX/XXXX for the month of XX/XX/XXXX. Which I paid with my debit card. TD Auto claimed to have not received the two payments. Both payments were deducted from my bank account. TD Auto did not inform me of the issue of the company claiming to have not received payment for the month of XX/XX/XXXX and the month of XX/XX/XXXX until my XXXX billing cycle. TD Auto reported inaccurately to the credit bureau for more than 8 months. TD Auto harassed me with phone calls everyday ( sometimes more than once a day ) once the issue was brought to the companys attention. I presented two months worth of bank statements, as well as other documents that pertained to TD receiving payment from me. I presented these documents on multiple occasions showing the dates and amounts which were paid to TD Auto. And asked TD Auto to preform an investigation and repair the inaccuracies on my credit report. TD auto told me to make a payment ( which I already paid in XXXX ) and the harassment by phone would stop. And the company would give a credit in the amount of my monthly car payment of XXXX to my TD Auto account once the investigation was finished, and that I would receive a letter in the mail. I received multiple letters stating that TD Auto found inaccuracies when reporting and they would fix the issue. but the company never fixed the issue nor did the company give the credit. TD Auto has not complied at all. I reported this issue to TD Auto and the company has done nothing. I uploaded my XX/XX/XXXX TD Auto billing statement which shows that one payment was not received for XX/XX/XXXX. That payment was satisfied and resubmitted by my banking institution. That document is uploaded as well. I also uploaded my billing statement from XX/XX/XXXX which shows that the payment from XXXX was received once it was resubmitted by my bank. That should of satisfied the issue. But TD claimed that I owed them more. I presented all the documentation showing that the debt was paid.
Company Response: Closed with explanation

Timely Response

2018-05-10

Manhattan, NY

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-05-10

Deerfield Beach, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-05-09

Closing an account

Checking or savings account: Savings account

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

Timely Response

2018-05-09

Rocky Ridge, MD

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I hold a XXXX XXXX card and my payment is due on the XXXX of each month. On the XXXX or the XXXX when I log on to make my payment, the system is always down. It has happened 3 or 4 months in a row. After complaining I was transferred to an agent in another country. I do not feel comfortable giving my payment information to an agent in a foreign country for processing. I asked for a supervisor and the agent pretended to be a supervisor, and I later found out that the supervisors dont come in until an hour later. He tried to change his voice and threatened me with late fees if I didnt pay him. I refused and he spouted my bank account information off. I do not appreciate them allowing access to my information without my permission. When I signed up for this card the agreed upon payment methods included online self managment. Those options are not being made available to me, which is that I should be able to self manage the account online. I feel this is done intentionally to encourage incurrence of late fees.
Company Response: Closed with explanation

Timely Response

2018-05-09

Orion Twp, MI

Trouble using your card

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

Can't use card to make purchases
Complaint: My Nordstrom 's XXXX Credit Card, Account # XXXX. I had some fraudulent charges on the card, timely notified Nordstrom, who issued me a Credit and a Replacement Card. Although I have a replacement card, Nordstrom 's will not activate the card until I forward them a valid State of Michigan Identification ; Social Security Card, and billing statement from another creditor. To expedite the activation, I sent all these documents plus my United States Passport to Nordstroms by next day mail, costing me over {$50.00}. They received it the next day, I tracked the package through the Postal Service but did not even look at the material to update my card for several weeks. I also went into their local store in XXXX, Michigan, met with the head of their financial service office in that store, gave her a copy of my Idnetification, Social Security Card, United States Passport, and billing statement from another creditor, XXXX XXXX. She called their main office with me present, who she could obviously identify as she has picture identification, and me present so she knew it was me, and Nordstrom continues to refuse to activate my card.
Company Response: Closed with explanation

Timely Response

2018-05-09

Allamuchy Twp, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-05-09

E Rockland Key, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with monetary relief

Timely Response

2018-05-08

Tibbs, MS

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2018-05-08

Front Royal, VA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-05-08

Deltona, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Late or other fees
Company Response: Closed with explanation

Timely Response

2018-05-08

Urbandale, IA

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: I was calling interested XXXX phone payment system and making monthly payments. The system was misentering payment information each month and was not pulling payments. According to XXXX, because this was done via phone, a {$70.00} late payment was reported to the credit bureau in XX/XX/XXXX. I received no notice that a payment was late or incomplete. XXXX Customer service told me in XX/XX/XXXXthat when the payment was made it would be removed from my credit report. It has not.
Company Response: Closed with explanation

Timely Response

2018-05-08

Clementwood, VT

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-05-08

Cold Spring, MA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I contacted XXXX multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX district of New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for XXXX bank fraud etc. and XXXX continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX can you have XXXX explain this? they cant the only number XXXX should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud TD Bank denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both XXXX and TD bank harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter
Company Response: Closed with explanation

Timely Response

2018-05-07

Gloucester City, NJ

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: For the record and on the record, I XXXX XXXX ; XXXX reserve now and forever reserve my unalienable rights. TD Bank has some checking accounts listed in their system that are not mine. My identity was stolen and used to open checking accounts. I notified TD Bank of this in good faith with the hopes they would rectify this issue. TD Bank in bad faith has refused to remove these accounts out of my name. I demand that TD Bank remove these fraudulent accounts out of my name post haste.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-07

NJ

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: Hello, I have tried on numerous occasions to unlock my online account by calling TD Card Services only to be put on hold for over 10 minutes each time with no CSR answering the call. I am trying to resolve the following : 1. Unlock my account access 2. Redeem my rewards points for cash by sending a check to me.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-07

NY

Incorrect information on your report

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

Account information incorrect
Complaint: I originally signed up for an account thru XXXX when a purchased a XXXX XXXX phone on XX/XX/XXXX. I was not satisfied with the product and requested a return on that was approved on XX/XX/XXXX. I then shipped the items back on XX/XX/XXXX and they were all received on XX/XX/XXXX at XXXX via XXXX Tracking numbers XXXX. I then started to be contacted by your firm almost on weekly bases that my account was delinquent and that you have no record of this return as it takes 60-90 days between your firm and XXXX to confirm the returns. I offered to provide proof of returns via the tracking info and return information and your representatives were very helpful and sated that they would note the account. Yet the calls continued, and I started to notice that my credit history was being affected via a delinquency on unpaid credit account. On XX/XX/XXXX i received the attached email from XXXX that a credit was issued. Yet I continued to receive bills from your firm that I still owe late fees on a returned item. I contacted your representatives and they stated that this matter was going to be resolved and that my credit history would be cleared up. My last conversation with your representative XXXX, XXXX was at XXXX EST on XX/XX/XXXX. To date my credit remains with negative/derogatory information from your firm. I believe that I have given your firm ample time to correct this condition.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-07

San Gabriel, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: I was charged late charges that shouldn't have been charged. I have been using my bank XXXX to make monthly payments since XX/XX/XXXX and for the past 11 months, the payments got processed with no issues but in the XX/XX/XXXX payment was returned by TD Auto Finance back to XXXX for reason of " unable to apply payment '' so I was charged a late charge for XX/XX/XXXX. However TD had no issue applying the XX/XX/XXXX payment from XXXX with exactly the same information printed on their check as the XX/XX/XXXX payment so the fault of not being able to applying the payment to my account should be with TD Auto Finance. I already made payments to make up for the returned payment but TD will now want to charge me late charges. After talking with them, they will only waive the late charge of one month as they charged me late charges for XX/XX/XXXX and XX/XX/XXXX. So I still ow them {$54.00} of late charges. I feel they just want to money from consumers on late charges and in this case I made the payment and the returning of the payment shouldn't be the reason that I was charged a late charge, espeically I have been paying on time all other months since XX/XX/XXXX.
Company Response: Closed with monetary relief

Timely Response

2018-05-07

Hampton, NH

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

2018-05-07

Rochdale, 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
Complaint: -On XX/XX/XXXX ( XXXX XXXX Evening ) I made two payments to XXXX XXXX amount to {$310.00} and {$94.00} from my TD Bank XXXX Credit Card for a canopy bed ( brand : XXXX XXXX ) at their outlet. - Despite several reminders they did not deliver the goods on stipulated time. - XX/XX/XXXX ( evening ) they delivered the bed broken with a promise to fix it next day. - They refused answering my calls and on XX/XX/XXXX I filed a dispute with my credit card company- TD Bank . - Before dispute and after filing dispute I had informed XXXX XXXX to remove the damaged bed from my home as it can be hazardous and can cause an accident in case of malfunction. And that I am no longer interested in it. They refused to even acknowledge or respond to my concern. - On XX/XX/XXXX my transaction my dispute ( case number : XXXX ) was resolved and TD Bank reversed my transaction. - While on XX/XX/XXXX without my consent and informing me- the same transaction was reversed in favor of the merchant- without my knowledge. - On XX/XX/XXXX I immediately took the notice and called the dispute department. - I was told that since the furniture was still with me, and there was clause on the receipt ( that I had originally provided ) that says if I did not inform the merchant- the furniture will not be returned. - After I was asked for a rebuttal I faxed all the evidence of the calls I made within the clauses mentioned on the receipt. - Also I provided the necessary detail that it was not a portable merchandise as it require experts to dismantle and transport it back to XXXX XXXX XXXX. - Additionally I also agreed to pay for the re-transportation back to XXXX XXXX. - Finally I also asked TD Bank to provide me the supporting documents that XXXX XXXX had given them to justify my negligence of fault in the dispute. - TD Bank dispute assured me that I will get all the documents and supporting papers within a week. - After 15 days I called TD dispute department again and I was told that the documents will be sent. - Throughout XXXX and now towards the end of XXXX- I still haven't received these documents. - I also contacted online secured servers messages but to no avail. - Hereby I conclude that TD Bank has violated my consumer rights but misusing my credit line by providing undue favor to the merchant- XXXX XXXX XXXX. I entrusted my credit with this Bank through XXXX but as a matter of formality they did reverse my transaction only to pay it back to Merchant. - There was no additional evidence given by the Merchant except from what I had submitted, furthermore TD Bank failed in providing me the documents that the merchant had submitted- despite repeated reminders. Primarily, because they didn't want me to get in possession of this mishandling as I had informed them of my reporting to CFPB in case they abuse my credit line.
Company Response: Closed with monetary relief

Timely Response

2018-05-07

NV

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Complaint: TD Bank adjusted account to bill for paper statement fees without my consent. I contacted the bank multiple times via secure online messaging, customer service telephone and certified letter to branch location. I directed TD Bank staff members to refund all unauthorized fees, close my account and mail a check to the address listed on the account. TD Bank failed to close the account as directed and continued to bill for paper statement fees. After a third certified letter to the branch office, the bank did mail a check for the remaining account balance, but failed to close the account and only refund one of several dozen paper statement fees. Today the account remains open and TD Bank continues to bill for overdraft fees without my consent. In a letter dated XXXX XX/XX/2018 TD Bank Senior Vice President XXXX. XXXX promises that my account will be referred for further collection action if additional deposits are not made to clear the overdraft. TD Bank Branch Location : TD Bank XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Company Response: Closed with monetary relief

Timely Response

2018-05-06

Queens, NY

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: Hi, I signed up in XX/XX/XXXX a credit card promotion with TD Bank, N.A ( XXXXXX/XX/XXXX ) at XXXX XXXX XXXX branch, XXXX NY. The offer was XXXX XXXX offer : Customer must open a new TD Cash Credit Card Account between XX/XX/XXXX-XX/XX/XXXX, and spend {$500.00} in total net eligible purchases within 90 days of the Account opening date to receive a one-time bonus offer of XXXX Bonus Points, which can be redeemed for {$150.00} Cash Back, as well as a 1st generation XXXX XXXXXXXX XXXX , and a 1st generation XXXX XXXX XXXX XXXX ''. However, the XXXX XXXX XXXX XXXX I received on XX/XX/, was opened and seemed to be used before and not able to power on. Therefore, I immediately contacted with TD Bank, and they told to contact with XXXX. However, XXXX was unable to help since the device was not purchased from XXXX or authorized retailers. Thus, I believe that TD bank has not fulfilled originally stated promotion that I signed up.
Company Response: Closed with non-monetary relief

Timely Response

2018-05-06

East Rockaway, NY

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 received an advertisement from TD Bank for the TD Cash Visa Platinum Card, addressed to me in the mail early XX/XX/XXXX. The advertisement stated if I was approved I would have 0 % APR for 12 billing cycles on purchases and balance transfers. It also advertised unlimited cash back on dinning and grocery store purchases, and no dinging with fees like other cards. And spending {$500.00} on purchases within 90 days of opening the account can earn {$200.00} in cash back.I did the application online and was approved right away. I received the card around XX/XX/XXXX. I used the card on XX/XX/XXXX. When I received the first billing statement it stated 0 % APR on purchases.I made the first payment XX/XX/XXXX online which was due XX/XX/XXXX. I received the second billing statement for XX/XX/XXXX-XX/XX/XXXX, which also stated 0 % APR on purchases. Then XX/XX/XXXX I received a letter dated XX/XX/XXXX, stating they made an error. They ( TD Bank ) made a printing error about the 0 % introductory rate on purchases, it's only for balance transfers. Now they state the APR for purchases is 24.24 %. I've only made purchases, no balance transfers.They advertised 0 % APR on purchases and balance transfers on the application mailed to me. It is also on the first two billing statements. This is false advertisement. I would not have applied for the card if it wasn't 0 % APR on purchases.
Company Response: Closed with explanation

Timely Response

2018-05-06

Scottsdale, AZ

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: This complaint is with my XXXX card with TD Bank. I was late on one payment and was charged a late fee. The payment was made and now I have been charged fees every month for about a year with the total now being {$300.00}. I called twice to discuss this but the people are very rude, and stated they are not with TD Bank and would not allow me to speak with anyone at the bank. The initial balance was under {$38.00} which is what their late fee is which I believe is illegal.
Company Response: Closed with explanation

Timely Response