TD BANK US HOLDING COMPANY

2018-04-14

Crocker, WA

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 non-monetary relief

Timely Response

2018-04-14

Brooklyn, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-04-13

Fort Worth, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I have an inquiry on my credit report for XXXX XXXX and I don't have a XXXX XXXX account. I had services with XXXX for the last 4 years but as of XX/XX/XXXX I moved to XXXX XXXX XXXX area and I have service with XXXX. I have tried to dispute this through XXXX but it is still on my credit report. I am not sure of who but my information is being used fraudulently. I also have an issue with someone running my credit with XXXX and trying to get a retail card with them. I called them XX/XX/XXXX and reported to them that it was a fraud because I have four, now five, credit cards and I don't have any retail cards because I manage those five.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-13

Everett, WA

Closing your account

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

Can't close your account
Complaint: OnXX/XX/XXXX, I called the XXXX Customer Service around XXXX telling them to approve the transaction that I would be going to make on that same day. The amount would be {$2600.00} pounds to XXXX XXXX XXXX in XXXX, XXXX. I know XXXX Card will not be easy to approve the transaction if the amount is too great out of the security reason, I total understand and respect that. So I made a payment of US {$3700.00} beforehand onXX/XX/XXXX at XXXX store XXXX at XXXX, hoping they would let the transaction get through. Still, XXXX card won't approve the transaction even though I overpaid them. So I called the XXXX Card ( XX/XX/XXXX ) and asked them to let this transaction get through. The representative, a lady, said she couldn't approve it unless I faxed the photocopies of my XXXX card ( front and back ) and driving license ( front and back ) with my signature on it in order to verify my identification. On the same day, I faxed these information to them. The next morning,XX/XX/XXXX, I called them again to approve my transaction. A representative, a guy, told me the photocopies were too dark they couldn't read the information so he couldn't approve the transaction. He said I needed to redo it again and, this time, he also needed photocopies of my Social Security Card ( front and back ) and my Utility Bill with my correspondence address. I told him I felt EXTREMELY UNCOMFORTABLE TO FAX THESE PRIVATE INFORMATION to them ( sorry, I was very angry at them, requiring too much private information, of course, my tough was not very nice because they were not very helpful and making too much trouble to their customer, but their attitude was not good as well ). He said there was nothing he could do about it unless I fax these information to them. Then I told him I wanted to cancel my XXXX Card and refund my balance to me. He said he couldn't do it as well unless I FAX THESE PRIVATE INFORMATION to them. Right now, they are holding my XXXX Card, that means I can't use/cancel my XXXX. The reason I file complaints are : 1. I feel very uncomfortable to fax these PRIVATE INFORMATION TO THEM, I DON'T FEEL SAFE AND I DON'T WANT TO. 2. I want to cancel my XXXX Card and get my balance ( US {$3400.00} ) back. Under the law of FDIC, the creditor has to have given the balance to their consumers if they don't use their credit card for months, it is illegal to hold my money, right? But XXXX card is holding my card and won't let me use it, what can I do? Quote Section 226.11Treatment of Credit Balances 1. Timing of refund. The creditor may also fulfill its obligations under 226.11 by : Refunding any credit balance to the consumer immediately. Refunding any credit balance prior to receiving a written request ( under 226.11 ( b ) ) from the consumer. Making a good faith effort to refund any credit balance before six months have passed. If that attempt is unsuccessful, the creditor need not try again to refund the credit balance at the end of the six-month period. 2. Amount of refund. The phrase " any part of the credit balance remaining in the account '' in 226.11 ( b ) and ( c ) means the amount of the credit balance at the time the creditor is required to make the refund. The creditor may take into consideration intervening purchases or other debits to the consumer 's account ( including those that have not yet been reflected on a periodic statement ) that decrease or eliminate the credit balance. Unquote Please help me to settle this issue or what else I can do. Please advice. You could reach me via email address : XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-04-13

Queens, NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I got the 1st closing notice back in XX/XX/XXXX and got a couple of closing notices afterword. Until now ( XX/XX/XXXX ), I still don't have a closing date. My attorney had provided whatever they want in a timely manner but the Bank keep coming up with new document requirement. At the same time, mortgage rate is increasing. Therefore, I insist that the Bank is intentionally holding off my closing and wait for the rate to increase. Whenever I contact the bank for an update, I got no response.
Company Response: Closed with monetary relief

Timely Response

2018-04-13

NJ

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 own a small trucking company. One of my trucks needed a repair. I hired a mechanic to do the repair on XX/XX/XXXX. He told us he installed new batteries and a new starter on the truck. The mechanic stated his work was guaranteed and I paid him with my TD Bank XXXX credit card {$2300.00} for this repair. When my driver went to start the truck for work the next day, the truck did not work/start again. We tried calling/texting mechanic to let him know the truck was not working even though the previous day he said he fixed the truck. I have the texts and phone records showing we were reaching out to the mechanic with no response from him. I had to hire another mechanic to fix truck again and found out the parts put in my truck by the first mechanic were wrong. I filed a dispute on XX/XX/XXXX for the above transaction with my TD Bank XXXX credit card. Even though I paid the first mechanic {$2300.00}, my dispute amount was for only {$1300.00} because that amount is for the wrong parts. The credit card company requested proof of records and a second estimate for work done on truck. I overnighted a package on XX/XX/XXXX to the credit card company. Within a day or two that is when the dispute department requested a second estimate. The dispute department stated I had only until XX/XX/XXXX to submit the second estimate documentation. So I faxed the second estimate on XX/XX/XXXX which was the same date the dispute department received my overnight package. When I called to followup on Tuesday, XX/XX/XXXX the dispute department stated they never received second estimate needed for dispute, even though I had a fax confirmation transmission stating the fax was sent. So I sent fax again onXX/XX/XXXX ( which was the deadline for this documentation ) and received fax confirmation sheet stating the fax was sent. TD Bank XXXX credit card stated they never received second estimate in time and they closed my dispute. So even though I did everything they requested in the time they wanted because of the failure on their end with not receiving fax ( even though I have proof ), my company lost when I should be protected by the " XXXX '' logo.
Company Response: Closed with monetary relief

Timely Response

2018-04-13

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

2018-04-13

Jupiter, FL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: I tried to withdraw {$700.00} from my bank account and the ATM only gave my {$540.00} but receipt still says that I took out {$700.00}.
Company Response: Closed with monetary relief

Timely Response

2018-04-13

Philadelphia, PA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: My name is XXXX XXXX. In XX/XX/XXXX I opened an account with TD Bank 's branch located at XXXX XXXX XXXX XXXX XXXX, PA XXXX. The bank representative gave me an account number that I then submitted to my financial institution, XXXX XXXX. On XX/XX/XXXX I contacted TD Bank to see if the money I was expecting from XXXX was deposited. The representative from TD Bank indicated that I was given the incorrect account number and gave me the correct account number. I immediately contacted XXXX with the correct account number. Through the bank transfer process the account number was switched back to the incorrect account number. The money was transferred, on XX/XX/XXXX, to an active account and the deposit was removed by the owner of the account. TD Bank would not allow me to file a fraud complaint with their bank and insisted that we do it through XXXX XXXX. XXXX XXXX insisted that TD Bank needed to handle it because it was removed from TD Bank. TD Bank indicated, at the end of XX/XX/XXXX, that it needed a letter from XXXX saying that the money was sent to the incorrect account before it could proceed. After speaking with them today ( XX/XX/XXXX ) they indicated that they won't be able to do anything unless it is initiated from XXXX XXXX end. The money was deposited six weeks ago and no one has any idea when I will receive my funds. After several conversations with TD Bank and XXXX XXXX I do not see a resolution to this problem.
Company Response: Closed with explanation

Timely Response

2018-04-13

Beverly, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-13

Mequon, WI

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

2018-04-12

Manhattan, NY

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
Company Response: Closed with explanation

Timely Response

2018-04-12

Santa Monica, CA

Trouble using your card

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

Can't use card to make purchases
Complaint: I was granted both a bank account and credit card by XXXX XXXX. A {$350.00} charge was declined at my doctor 's office and since then my card has been restricted. I have called XXXX XXXX countless times and been told it is " under review '' every time. I have been offered call backs by a manager about 5 times ( or more ) but never received one. This has now been going on for around 2 months.
Company Response: Closed with explanation

Timely Response

2018-04-12

Houston, TX

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

2018-04-12

Delray Beach, FL

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Closed with monetary relief

Timely Response

2018-04-12

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-12

Flushing, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-12

Mitchell Field, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-11

Morningside, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-11

Cheshire, CT

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with explanation

Timely Response

2018-04-11

Addicks, TX

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2018-04-11

Nashville, TN

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Used Financing through T.D. Bank in order to take advantage of a buy one get one free deal on a pair of phones XXXX was selling directly. There was a special incentive to use " their '' financing option which I took. Upon making the purchase I entered my banking account information ( which they can verify the date at which I did ). At that time I paid an initial down payment and setup Auto-draft payments.. or so I thought. A few months later when the free interest option was / is going to expire ( XX/XX/XXXX ) I logged into the T.D. Banking portal to check the balance in order to pay the phone off. I discovered there to be almost 300 dollars in additional " late payment fees ''. I called and spoke to several representatives about paying the phone off minus the incurred fees since I had not received any communication via email as I signed up for the paperless option. They said they send letters in the mail none of which we have received. We did not receive anywhere near a responsible amount of communication letting us know something was wrong with our account from T.D. Bank. They had added tons of fees as well as already reported to a collection agency which hurts my credit. When speaking with agents at T.D. Bank they are completely dismissive and act as if a communication error could have never occurred on their part.
Company Response: Closed with monetary relief

Timely Response

2018-04-11

TN

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Closed with explanation

Timely Response

2018-04-11

North Waltham, MA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2018-04-11

Staten Island, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response