TD BANK US HOLDING COMPANY

2018-04-23

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2018-04-23

LA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: TD Auto Finance 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

2018-04-23

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 a payment to XXXX XXXX amount to {$900.00} from my TD Bank Visa 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 XXXX - 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 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 Visa 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

2018-04-23

Una, SC

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Company Response: Closed with explanation

Timely Response

2018-04-23

Allenwood, NY

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-04-23

Manhattan, NY

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

2018-04-23

Bronx, NY

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Back in XX/XX/2017 i opened a bank account online with TD bank. On XX/XX/2017 i went into the XXXX XXXX branch to deposit XXXX. The clerk at the bank advised me to sit and speak to another bank associate so that i could get an ATM card given to me. The bank associate asked me to write down my date of birth and social and to give her my id so i did. She then went to the back to make copies and came back a short time later. She went back a second time and then returned with my ATM card. On XX/XX/17 i deposited another XXXX into the account. on XX/XX/17 two person 2 person fraudulent transactions were made from my account. on XX/XX/17 two additional fraudulent transaction were made again and on XX/XX/17 an additional 2 fraudulent transactions were made. in 3 days a total of {$9300.00} were stolen from my account. i filed a claim and it was denied i was advised to resubmit a claim with a police report and i did. i was contacted by a detective from TD bank ( i have the voice message he left ) statin that the claim was denied because " he thinks '' the transactions were made from my IP address but that he's no sure exactly while it was denied. i have tried getting in touch with him with no success. i have left countless messages for him, have gone into the branch and have just been told that there is nothing i can do. i have never been given any proof or official reasoning as to why my claims were denied. i have called to speak to his supervisor and was told his supervisor was unavailable but will be notified via email as to what was going on. i still have not heard from anyone at TD and have been left without anyway to get my money back. TD has been so irresponsible in not tending to this issue and contacting me or reaching out to me. i have that one message from XXXX and have never heard from anyone else or received any papers or notices regarding this issue.
Company Response: Closed with monetary relief

Timely Response

2018-04-22

Pine Bluff, AR

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

2018-04-22

Chicago, IL

Fees or interest

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

Problem with fees
Complaint: On XX/XX/XXXX, I called XXXX XXXX XXXX to inquire about my online account view noting the balance for the previous period was XXXX and the minimum payment due by XX/XX/XXXX was XXXX. The first agent advised there was no balance for the previous month, but if I wanted to pay {$27.00} I could. Confused, I questioned her logic in terms of making a payment on an account that had no balance. Mysteriously the line disconnected. I called back and requested a supervisor. After going through this a second time, he advised no payment was due for XX/XX/XXXX, but if I wanted to make a payment I could. Today, I receive a message from XXXX stating my payment is one day late. After calling a third time and waiting 10 minutes on hold, the gentleman came back to the line and stated the issue was related to a computer error ; however, my battery died and the call dropped. I called back later this evening and spoke with a supervisor named XXXX who stated my account had been transferred " another department. '' I pay this account in full every month. I do not deserve this type of treatment and I will end this relationship with XXXX.
Company Response: Closed with monetary relief

Timely Response

2018-04-21

Arco, CA

Incorrect information on your report

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

Account information incorrect
Complaint: Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases. After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved. I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through XXXX XXXX which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX credit for a student loan refinancing opportunity due to a negative account. After looking at my XXXX XXXX report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for Transunion and XXXX for XXXX. Noticing that XXXX was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX. It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.
Company Response: Closed with monetary relief

Timely Response

2018-04-21

Nyc, NY

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: TD bank has not sent me the agreement and statements of my checking account. Tonight one of the agent on phone said, " we stop sending mails because the post office said it was not deliverable. " And an agent acknowledged that I had no internet account with them. They changed my checking status without my knowledge. They said it was done over the phone. But I had no knowledge of it. It is called XXXX. If there were not sufficient fund, the bank will advance with the fees of XXXX dollars for each transaction. I do not link my saving and checking. Recently, I was fined 5 {$35.00} ( total of {$170.00} in 2 days. ) overdraft charge. They say I can dispute with a bakery which I purchased {$7.00}. I asked the bank, " why do I need you to pay {$7.00} with the bank charge of {$35.00}. I could have used my credit card? ". I received 2 courtesy refunds from 2 different agents as of tonight XX/XX/XXXX. However, 3 more overdraft charge were pending. 1 ) I agreeded to pay one time overdraft charge of {$35.00} : 2 ) I asked to stop XXXX program on my checking account. 3 ) I asked why the bank make decisions of not sending the statements according to the post office, not asking me when I visited at the bank. I found these even fraudulent because mails from other banking institutions reach me. To change the status of checking account without customer knowledge is unaccessible.
Company Response: Closed with monetary relief

Timely Response

2018-04-21

Portland, OR

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2018-04-20

Estero, FL

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 non-monetary relief

Timely Response

2018-04-20

Ft Lauderdale, FL

Applying for a mortgage or refinancing an existing mortgage

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

Complaint: TD Bank solicited me by mail to apply for for a HELOC. I called and filed an application. They called me with an issue and we traded phone calls for a while. They are next to impossible to get a human being on the phone, often 20-30 minute wait times with no ability to leave a message. Eventually we spoke and they told me the issue was that my wife, who had recently experienced a stolen credit card, had a fraud alert on her credit report. We contacted the credit bureau ( XXXX ) and removed the fraud alert and they told us that TD 's issue was nonsense and that a fraud alert doesn't prevent them from drawing credit reports. In fact my wife and I just received the mandated letters telling us the credit scores they received. I have since been unable, despite hours of attempts, to get anyone on the phone to discuss the issue. TD 's voicemail talks about exceptional service, horrendous is a much more appropriate term.
Company Response: Closed with explanation

Timely Response

2018-04-20

San Antonio, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-04-20

Rockaway Beach, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with non-monetary relief

Timely Response

2018-04-20

Brock, TX

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-04-20

Kangley, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: XXXX has violated x 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 non-monetary relief

Timely Response

2018-04-20

Clarkesville, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX client, XXXX XXXX is a victim of identity theft. He was notified by TD bank of a fraudulent account established with his information without his consent. His information was used to forge a check ( or several checks ) for a total of {$1000.00} dollars. A formal dispute of this account ( s ) was faxed to TD Bank XX/XX/2018 however as of this date TD Bank has failed to reply with an outcome of the investigation of fraud ; which is a violation of the FCRA and my clients federal consumer rights.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-20

Hollister, CA

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

2018-04-19

Glendale, CO

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: I Had opened a loan amount of XXXX at TD bank in XXXX where i then used the money to purchase a XXXX XXXX XXXX. I Recently moved to XXXX, and there are no TD BANK in XXXX. The only way they would work with me is to go into a branch but the closest one is 1000 's miles away. Can not make payment over the phone and could not make payment online. Was not accepted. Because of the recent move i recently have gone through financial hardship and had been late on making payments because they usually automatically took the loan amount out of my account but it was not working so i would have to mail in checks but the day that they needed it by was not my pay day.
Company Response: Closed with explanation

Timely Response

2018-04-19

Brooklyn, NY

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

2018-04-19

Kennett Sq, PA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-04-19

Mem, TN

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

2018-04-19

Grant, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response