TD BANK US HOLDING COMPANY

2019-10-09

Brooklyn, NY

Fraud or scam

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

Complaint: I had my tire changed couple weeks ago. And my insurance company sent a check to me for XXXX dollars. But I never got it after 3 weeks of waiting, I called them today and found out my check has already been cashed out by someone else to his/her TD bank account. Ive talked to both my insurance company and TD, and i didnt receive any solution from them except apologies. I have a copy of the check that has been cashed out by someone else, sent by my insurance company. And I will upload it
Company Response: Closed with explanation

Timely Response

2019-10-09

Falmouth Foreside, ME

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-10-09

Edgemont, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-10-09

Binghamton, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-10-08

Charlotte, 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

Their investigation did not fix an error on your report
Complaint: A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, Target, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by Target, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. Target has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from Target showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.
Company Response: Closed with explanation

Timely Response

2019-10-08

Blackbird, DE

Problem when making payments

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

Problem during payment process
Complaint: Hello, I previously submitted a CFPB complaint regarding how I can not see my new card ending in XXXX on the TD card services login. Instead, I only see my old card that was closed due to inactivity ( ending in XXXX ). I received a response advising that my account has been corrected. However, the correction was made only to my regular TD bank login, not my TD card services login. When I log into TD card services, I am still presented with my old closed card XXXX. My username for the TD card services website is the same as my username for the regular TD bank login XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2019-10-08

Manhattan Bch, CA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-10-08

Hollywood, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-10-08

FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/2019, I opened a checking account, online, through TD Bank. Within several days of opening the account, I set up the account to receive direct deposits from my employer, XXXX XXXX XXXX. In the time-frame of about a week, I became locked out of accessing the online capabilities for the account, however, I have other checking accounts and this particular one didn't have any funds in it yet, so it was not of urgency to have the matter resolved right away. The XXXX direct deposit system, through my employer, typically take two pay periods before funds get deposited into a newly added account. Sometime around the week of XX/XX/XXXX, a week prior to being able to receive a direct deposit to my new TD Bank checking account, I called their customer service to see if I could resolve the online banking issue over the phone.The representative stated I would need to go to a local TD Bank Branch to confirm my identity and gave no further explanation. On XX/XX/XXXX, {$1000.00} from my employer was deposited into this checking account, and I visited a local branch to have my online access unlocked. It was at this time I was informed my account was in a " closed '' status, due to fraudulent activity, and that I needed to provide my social security card to confirm my identity. At that time the only identification I was able to provide was my Florida issued driver 's license as well as a US Passport. I was told this was not sufficient and that the only way the " closed '' status could be lifted was by providing my social security card. I visited another branch that day and the representative I spoke with confirmed the same information, that my account was " closed ' and that I'd need to provide my social security card to verify my identity. In addition, I was informed that the issue with my account had been escalated to a different department -- this is a department I still have not gotten any specific information about, other than they don't have a direct phone number and are currently investigating my account. The representative I spoke with that day informed me that since my account was " closed '' and the funds from my employer were only initiated and not deposited, that the direct deposit would kick back to the employer. I contacted my payroll department about the issue and they stated that once they received rejection of the funds they could issue me a check. The following Monday, I went to the branch again, this time providing my Florida issued driver 's license, US Passport, current car registration and a piece of mail in my name, confirming my address. Again, this was not sufficient, however this time I was told my account wasn't " closed '', but rather in a " no check status '' and that the funds had been deposited into my account with no way of reversal or retrieval from my employer. Again, I contacted customer service, this time being informed that my account was neither " open '' nor " closed '' but rather in a " restricted '' status. Nobody at the branch or through the customer service number could provide me any information or put me in direct contact with anyone investigating the matter, only that I needed to visit a branch in person to resolve the issue. On another instance, I was informed by a customer service representative via telephone that even though my account was restricted, my funds should be rejected and sent back to my employer within 6 business days, which has proven inaccurate. On two separate instances, at different branches, I've asked to speak with branch managers at TD Bank and have been told there were none there. Today, XX/XX/XXXX, I made a final attempt to have the issue resolved at a local branch. The main identifying piece of information they are requesting is confirmation of my social security number, so came with my Florida issued license, US Passport, current car registration, piece of mail with my current address, W2 forms from the past 3 years, that clearly show my social security number, the paystub from the direct deposit to their institution -- placed on XX/XX/2019, as well as my receipt from the Social Security Administration, showing my order being processed for a replacement social security card. The response I received from the representative I spoke with was that they were able to confirm my identity, however, my account was currently under investigation for fraud, by a department they weren't able to get in contact with, and that there was nothing I could do to get the {$1000.00} that has been sitting in the account for the last 12 days. The gentlemen informed me to call the number on the back of my debit card, since there was nothing he could do to lift the hold on my account. I asked him, in the event I provide my social security card once it arrives, if then I'd be able to access the account, and his response was no. I called that number on the back of my debit card and the customer service representative stated that my account was " locked '', he couldn't see/or have access to any information about it and that I'd need to go to a branch to have the issue resolved. At this point I have no other alternative but to file a complaint since I'm not getting any clear answers or resolution dealing directly with this institution.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-08

VA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I get numerous calls from XXXX with an automated message to my work line. I have asked them to stop calling my work because that is not allowed. I want them to stop calling my work number.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-08

New Smyrna, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-10-08

Sandy Hook, CT

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with non-monetary relief

Timely Response

2019-10-08

Ventnor Heights, NJ

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-10-08

Ft Trumbull, CT

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I need statement copies for my checking account with TD Bank, now closed. These documents include from account opening until closing. These are needed for accounting purposes and in a paper format, not file. TD Bank marked my prior request as duplicate when in fact it is not, any prior statements received in the past were since discarded.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-07

Ridley Park, PA

Other features, terms, or problems

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

Privacy issues
Company Response: Closed with monetary relief

Timely Response

2019-10-07

Occoquan, VA

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
Complaint: I recently travel to XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit card was stolen. I called in to TD Bank customer service department indicating that my card was out of my procession. A charge that I did not authorized shown up on my account - XXXX XXXX XXXX XXXX XXXX for {$460.00}. I noticed that two adjustments were made to my account. First adjustment was for a credit in the amount of {$460.00} and another for a debit in the amount of {$460.00}. These adjustments do not correct unauthorized purchased against my account. I requesting that TD Bank honor its commitment to its customers regarding fraud protection.
Company Response: Closed with explanation

Timely Response

2019-10-07

FL

Struggling to pay mortgage

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

Complaint: My HELOC has been paid in full Td bank charged thousands of dollars in fees, which are not justified and they refused to allow me to dispute any of them. So I went to the local branch with a letter in hand from TD stating what I owed. The bank assistant called collections and he said pay this amount ( on letter ) and we will send " satisfaction of mortgage '' so I paid with the intention to dispute later. No I paidXX/XX/XXXX and instead of " satisfaction of mortgage '' got another drive by, foreclosure letter and {$300.00} plus in more fees. This was on XX/XX/19. Unbeleivable. The local branch called collections ( XXXX XXXX ) was no help. As I write this I am still being harassed by more drivebys and fees, costs and threatening letters. Please help. I dont know what to do. This is a Riverside Heloc. so.
Company Response: Closed with monetary relief

Timely Response

2019-10-06

El Paso, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-06

Malden, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-10-04

NJ

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I tried to refinance my loan to take advantage of lower rates. I was always timely in my responses and providing information or signatures. Most of the requests that I received were replied to within 24 hours. The loan however took so much time on the processor 's side that at the end of it we were pushing the closing right up to the rate lock expiration date. I received my disclosures on the Friday before my closing which was scheduled for XXXX on the following Thursday. On Wednesday, I went to the bank and received a certified check for the closing. I then received an email at XXXX ( 1 hour and 18 minutes prior to closing ) on Thursday with a new disclosure increasing my closing costs by ~ {$1500.00}. I did not have funds in my account to accommodate this new amount and since it was after hours there was nothing that could be done at this point. The title agency was unable to accommodate a new closing date prior to the rate lock expiration date. This means I am not able to close on this loan which means I have to lose any money that I have already put out for credit scores and appraisals. I am extremely upset at how long the loan processor took to process this loan and that I did not receive the disclosure with the final amount within the 3 business days that are required. I would like to the bank to be held accountable for this and refund the fees that I had to pay for this loan.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-04

Belleair, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-10-04

Saint Petersburg, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-10-04

NE

Incorrect information on your report

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

Account information incorrect
Complaint: RE : XXXX Hello, I worked with you guys to get TD/TARGET RED CARD to follow the law under the Fair Credit Reporting Act as they stood in direct violation of them and continued to report information that was fraudulent to the bureaus despite being sent 2 police reports, FTC ID Theft Report, and mountains of paperwork. Their employees we incredibly hostile and rude all throughout and I always ended up hung up, with no callback, after a total talk time of about 15 minutes with the remaining hours stuck on hold, transferred around or " reverified. '' Target has done everything in its power to make this process a literal living nightmare that never ends. Eventually, I had had enough- and thank XXXX for the CFPB, you stepped in and shortly after I received a letter from targets " Fraud General '' apologizing and ensuring all had been corrected and all drugstores removed with credit line restored. I waited about a month and a half and still of the bureaus were showing incorrect info I attempted to call the number on the Fraud Generals letter and it just directed me to the main consumer line where the nightmare started all over. after a month of calling every day.. they FINALLY agreed to update it after numerous lies like " payment history is controlled by a computer system and there is no way for us to edit it, and NO you can't speak to a supervisor- then hang up, or " It's illegal for us to change that even though we know its incorrect. I have asked the bureau to check on THREE times and they all keep coming back with creditor verified the information to be accurate- no change. I received a letter today, XX/XX/2019 stating that as of XX/XX/2019 target AGAIN reported to them that the information they are giving is right and I am lying. I even sent XXXX all of the supporting documentation including the note from the CFPB and Targets fraud general. The dispute denial I received today basically says they don ' care and it will remain. It is very negatively affecting my family to move out of very horrible living conditions and is preventing me from securing any more credit the start-up business I am running. I don't know how or why they can so blazingly ignore the law- please help. Thank You Very Much.
Company Response: Closed with explanation

Timely Response

2019-10-04

Philadelphia, PA

Problem when making payments

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

Problem during payment process
Complaint: I went to the teller at XXXX XXXX XXXX and she informed me that my XXXX cash payment for my credit card would post immediately. Which was not correct. Because the transaction was done incorrectly I requested to have my cash returned. TD bank then states they are unable to reverse the transaction and my cash payment would not be available for 2-3 business days. My payday and the transaction occurred on Thursday and 2 business days would not complete until Monday or Tuesday. Which is a huge inconvenience to me! How can they misinform me and force me to not have access to my cash over the weekend and about 5 days. I spoke with several managers at various levels who were not helpful or attempted to solve my transaction problem. Im disgusted and nothing good to say.
Company Response: Closed with explanation

Timely Response

2019-10-04

TX

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
Complaint: I contacted the company, I reported to police department, sent in police report with report number, call credit bureaus and the credit bureaus continue to report it on my report. I received a letter from XXXX credit company stating they could not put a a block on my report. The account was fraud and I would like for someone to assist me with this. My information was stolen along with banking information. I mailed copies of all necessary paperwork to all bureaus. XXXX XXXX and Northstrom accounts were open.
Company Response: Closed with explanation

Timely Response