TD BANK US HOLDING COMPANY

2018-05-05

Key Biscayne, FL

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 I placed an order for a new XXXX XXXX XXXX phone under a trade in promotion where I was promised to get a {$200.00} credit for trading in my old phone making the cost of the phone {$650.00} ( {$850.00} minus {$200.00} credit ). Concurrently with this purchase I applied for a XXXX TD Bank card which would allow me to pay the phone in interest free installments. On XX/XX/2018 I received an e-mail from XXXX saying I was being charged an additional {$170.00} because the phone I traded in was not unlocked. That is a complete and utter lie as I traded both my wife and my phone together and did the same factory reset on both ( and then checked before sending them in ). This issue only happened with one phone. Upon contacting XXXX on XX/XX/XXXX I was told they would investigate and get back to me within two weeks. After not hearing back and contacting them again XX/XX/XXXX I was told the case was still being looked into. Frustrated with no progress and what seemed to be empty promises of actually looking into ANYTHING I contacted TD Bank to dispute the charge. On XX/XX/XXXX TD Bank sent me a letter saying they looked into my dispute and basically quoted XXXX 's original lie verbatim and for me to contact XXXX again which I did again today XX/XX/XXXX but basically got nowhere with them. So in summary XXXX claims my phone was not unlocked but can't provide any evidence to back up that claim. They refuse to return my old phone so I can check this issue myself and TD Bank is just repeating what XXXX is saying. I'm not sure on how many more customers they are playing this game where they basically claim to give you a credit and then just steal your phone.
Company Response: Closed with explanation

Timely Response

2018-05-05

San Francisco, 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

Their investigation did not fix an error on your report
Complaint: I have repeatedly asked XXXX for evidence to support their reporting of an account in the file they maintain under my Social Security number. They have failed to provide me with a copy of any verifiable evidence submitted by TD BANK USA- XXXX XXXX substantiating their claim that I am financially responsible for this account. I am not the primary owner of the account, not a co-borrower, and not a co-owner, I am an authorized user. I have never applied for credit, and this a not a joint account ( although its being reported as one ). Furthermore, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Recently, XXXX provided their investigation results, and again, they failed to provide verifiable evidence. Interestingly, they included a statement alleging " Consumer 's dispute not specific '', however they were still able to conduct an investigation without " specific '' information. Further into the results is a statement that says " Account Historical Data SUPPRESSED. '' The results continue to state that the originating source provided additional information claiming " Historical account information was DELETED from this account. '' Their investigation results are unclear, contradictory, and lends no credibility to the company. Is the information I requested DELETED or is it being SUPPRESSED? Either they have it or they don't. In any case, they are not providing it. I challenge the accuracy, compliance, and reportability of this listing. I formally request the trade line be immediately, and permanently deleted from my credit file.
Company Response: Closed with explanation

Timely Response

2018-05-04

Bakersfield, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-05-04

Fayetteville, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-05-04

Healy, AK

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

Credit card or prepaid card: Store credit card

Problem with personal statement of dispute
Complaint: I was tricked by XXXX and TD Bank to create a XXXX financing application for obscured reasons. Following my application on XXXX, TD Bank issued me a credit card that is not acceptable anywhere including on XXXX where the application is forced to customers. When I tried using the account, XXXX declined the transaction and requested me to use another credit card. I asked : Why was I requested to provide my Social Security Number to create this account? The company never responded to my request. Soon after, I filed a complain against TD Bank. A Credit Team Manager named XXXX XXXX XXXX called me on XX/XX/XXXX claiming that it was merely a technical issue. She promised that everything will be taken care off. As of right now, my emails have been been flagged by TD Bank and I can't communicate with anyone. Similarly, the company, XXXX, is complicit of of the problem and also flagged my emails to the point that I can't communicate with anyone. I am saddened and devastated to know how these companies can betray customers like me just to fill their books. My personal information was obtained to create a credit card account that I have no idea what it was/is for. My credit score was altered and I now have a fictitious account on my file. I am certainly sure that many other people were tricked the same way. I claim this because a XXXX representative told me onXX/XX/XXXXthat I was not the only person complaining about this issue.
Company Response: Closed with explanation

Timely Response

2018-05-04

Island Trees, NY

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2018-05-04

Deerfield Bch, FL

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with explanation

Timely Response

2018-05-04

FL

Other transaction problem

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

Complaint: On XX/XX/XXXX TD Bank ( XXXX Branch Number XXXX ) prepared and sent an International outgoing wire to XXXX , XXXX XXXX deducting {$9800.00} from my account to do so. On XX/XX/XXXX the recipient stated it had not arrived. So I had TD do a trace to find the wire. They stated it was at XXXX bank and may be held while funds converted. When the recipient could not trace from their end I requested a recall of the wire. In all cases there was no response from the XXXX bank ( if it was there ). From then XX/XX/XXXX until now XX/XX/XXXX no response from XXXX bank is the only report I get when I call. Frustrating is no one wants to help and requests for escalation are ignored. Evidently no one is skilled enough to trace and retrieve. The recipient was sent copies to trace from their end and their bank said no wire with those dates and amount was found. I feel this wire is in limbo or maybe a false image out there in the system. How can their be so little knowledge or skill if a bank is providing this service No one wants to help. I call XXXX XXXX and wait while the rep calls Wire Dept. the answer is always the same : nothing can be done, it is the XXXX Bank holding the money.
Company Response: Closed with monetary relief

Timely Response

2018-05-04

Delray Beach, FL

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-05-03

Newnan, GA

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: I filed a dispute for a transaction dispute. A provisional credit was issued. On XX/XX/XXXX, I spoke to XXXX who advised the merchant responded advising he would refund if it was requested. XXXX requested document showing a refund was requested. On XX/XX/XXXX I faxed 11 pages to XXXX with all documents requested. On XX/XX/XXXX I received a letter stating the provisional credit was reversed. I called and was told the documents were not received. I was told to resend the documents and everything can be reviewed. They confirmed that XXXX was the correct number. Since the morning of XX/XX/XXXX I have attempted to fax around the clock to XXXX, the line is busy. I called on XX/XX/XXXX and was advised that XXXX is an additional fax number.. I am still attempting to fax to both numbers, and both numbers are busy. On yesterday I called and spoke to a supervisor and he says their fax lines are broken. I asked for an email or address so I can XXXX XXXX the documents and was advised the only way I can send documents is by these two non working faxes. They do not have an escalation department or an executive complaint process. My concern is I do not have the means to follow the process needed to resolve my issue. I have one representative assigned and XXXX advised this morning he can not provide her direct extension. I have left her a message on yesterday and I have not received a call back however XXXX advised this morning the representative noted the account to transfer all of my calls to her, but never tried to call me back. This is unfair to the consumer. I am not accruing interest on a balance I feel I do not owe per my accountholder agreement and I am doing everything in my power to send the supporting documents to prove this to no avail. I need help! I can not imagine that I am the only consumer experiencing this but I am the one to seek assistance. XXXX is too large of a corporation to operate without the technology to handle a simple dispute.
Company Response: Closed with monetary relief

Timely Response

2018-05-03

Mebane, NC

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

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

Their investigation did not fix an error on your report
Company Response: Closed with non-monetary relief

Timely Response

2018-05-03

Oxford, GA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: TD Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Closed with explanation

Timely Response

2018-05-03

Alexandria, VA

Opening an account

Checking or savings account: Other banking product or service

Confusing or missing disclosures
Complaint: I HAVE A TD CHECKING ACCOUNT WITH MY KIDS AS BENEFICIARIES. MY KIDS WERE SENT UNSOLICITED, TARGETED CREDIT CARD OFFERS FROM TD BANK. I WANT THIS PRACTICE - OF BANKS USING PRIVATE BENEFICIARY DATA TO MARKET THEIR ACCOUNTS AND SERVICES - TO STOP.
Company Response: Closed with explanation

Timely Response

2018-05-03

New Britain, CT

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

2018-05-03

Golden Isles, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-05-03

Jax, MS

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

2018-05-03

Chicago, IL

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: Between XX/XX/XXXX and XX/XX/XXXX, my roommate used my XXXX XXXX XXXX to make a series of unauthorized transactions, totaling a very substantial amount. As soon as I discovered the fraud, I immediately called XXXX Guest Services to have the card shut down, and a new card sent to me. At the time of my initial fraud claims, I submitted the following documents : two Fraud Questionnaires, a summary/confirmation noting which transactions were fraudulent and which ones were genuinely mine, and a police report. I even provided the name and phone number of the person who committed the crime. This information was used to credit only some of the fraudulent transactions, but a majority of them reposted to my account in XX/XX/XXXX. Seeing XXXX error, I called the Fraud Department directly in XX/XX/XXXX directly and spoke to the rep who was managing my case. She told me that she did not receive the documents in time, but if I resent everything again, she would complete a reinvestigation. I faxed them to Guest Services, and was sure to include my account number and the reps name on the cover sheet. I have a confirmation fax that the documents were successfully transmitted. 30 days went by ( again ), and the charges still were not credited. So, I sent the packet of information in the mail in XX/XX/XXXX in a final attempt to have the transactions permanently credited. I made note in the letter that if this matter was not resolved in 30 days, I would be notifying the CFPB disputing the balance with the credit bureaus, and closing my account for good. It is now XX/XX/XXXX and interest has been accruing on this fraudulent balance for six months now. The transactions still have not been credited event though I have sent the same packet of information four times over now. This is unacceptable.
Company Response: Closed with monetary relief

Timely Response

2018-05-03

Fort Pierce, FL

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: I lodged a dispute with the credit bureaus and TD Bank with the belief that not only is this not a valid debt but has also not been reported to my credit report in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/2017. My major concern is that if this account is to be reported at all it should be done so reflecting good history and a zero balance as it was an auto loan covered with GAP insurance with 84 months coverage in the event of loss.
Company Response: Closed with monetary relief

Timely Response

2018-05-02

Kemper Ins Co, IL

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2018-05-02

Houston, TX

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

Credit card or prepaid card: Store credit card

Their investigation did not fix an error on your report
Complaint: On XX/XX/XXXX, I spoke with a XXXX about providing me a goodwill adjustment on my late payment on XX/XX/XXXX for my humanitarian hardship. I was in the hospital for ongoing medical treatment and was late billing my bill. This is the only time I have been late paying since signing up for the XXXX XXXX XXXX. The representative stated that he updated XX/XX/XXXX late payment to good standing and XXXX would report the good standing to the 3 credit bureaus. The late payment is still showing up on my credit reports and I am asking that it be removed as promised.
Company Response: Closed with explanation

Timely Response

2018-05-02

Bronx, NY

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

2018-05-02

Darbydale, OH

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: On XX/XX/2018, I purchased chicken breast from XXXX Store in XXXX XXXX, Ohio, using my XXXX XXXX Card to charge {$6.00}. Upon opening the sealed package, I found the meat to be rotten underneath. I attempted to return it within a few days, but employee XXXX refused, stating that no refund could be made for an opened package. This policy is against the public interest, as the consumer can not see all sides of the product without opening the package. I asked for the store manager, but XXXX stonewalled and said that the manager was not in the building. I contacted the credit card company ( TDBank dba XXXX XXXX Card ) online to request a credit. TDBank refused, stating that it did not have the power to refund. This is a highly anti-consumer policy - and probably an outright lie. I contacted XXXX Guest Relations online multiple times, which repeatedly also refused to credit my account. It is a disgrace that a national bank conspires with its merchants to deny consumers any protection against defective and dangerous products. TDBank 's national license should be revoked. Both organizations should be fined.
Company Response: Closed with monetary relief

Timely Response

2018-05-02

Commack, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-05-02

Bethesda, MD

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-05-02

Weston, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with monetary relief

Timely Response