TD BANK US HOLDING COMPANY

2018-04-11

Bellport, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-11

Astoria, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-10

Anchorage, AK

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
Complaint: The company ( XXXX Credit Card ) states that owe them {$17.00} and that I haven't paid them since XX/XX/XXXX. I am 3 months behind per report. I did not receive any statement from them and neither did I have the knowledge that I owe them that amount, i have their card for years and its the first time it happened. My FICO credit score went XXXX to XXXX. I emailed the company but no action was taken.
Company Response: Closed with explanation

Timely Response

2018-04-10

Cheyenne, WY

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: XXXX XXXX XXXX was chosen by XXXX XXXX to finance the car. XXXX XXXX committed fraud on some things, but that's another issue. Car was purchased in XX/XX/XXXX, ai believe. In XX/XX/XXXX, the car was totalled by hail. It had comprehensive insurance and also gap insurance. XXXX continued taking payments of XXXX automatically from my account, finally stopping only when I paid XXXX to stop paymenta. XXXX removed 3 payments after the car was totalled.. They then received full pay off by XXXX XXXX and my GAP insurance. For the value of the loan on the day of the storm loss. I have made multiple contacts and get a different story everytime. No one will account for where my money is or get me my refund.
Company Response: Closed with monetary relief

Timely Response

2018-04-10

Boston, MA

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 monetary relief

Timely Response

2018-04-09

York, ME

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with non-monetary relief

Timely Response

2018-04-09

Bedford Park, IL

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

2018-04-09

Lawncrest, PA

Problem caused by your funds being low

Checking or savings account: Checking account

Late or other fees
Company Response: Closed with explanation

Timely Response

2018-04-09

Ft Trumbull, CT

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I've been trying to get a copy of bank statements from XX/XX/2015, XXXX to XXXX to be exact, there is a charge from XXXX in the amount of XXXX which I need to find. This information is for a fraud claim and reimbursement of it. The statement showing the charge is needed to provide to the claim administrator. The account with TD Bank is now closed, however, I do need said statements to find this charge.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-09

Flushing, 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 am one of TD Bank XXXX Credit card holder. TD Bank sent me 0 % Promotional APR through my billing cycle that's ends XX/XX/XXXX There is three blank check attached to the offer letter and letter says to do three three step to enjoy their 0 % Apr for 12 month. ( Until XX/XX/XXXX) .Promotional rate offer on Balance transfer Checks like a regular check or call XXXX to use debt consolidation, large purchase, unexpected expenses etc. Its also further offered that {$0.00} balance transfer fee until XX/XX/XXXX for the promotional APR to apply. On the letter envelope and also in bold letter TD Bank saying as follows '' NO BALANCE TRANSFER FEE UNTILXX/XX/XXXX, FEE FOR FUTURE BALANCE TRANSFERS ARE MINIMUM XXXX or 4 % OF THE AMOUNT OF EACH TRANSACTION, WHICHEVER IS GREATER. I called TD Bank at XXXX onXX/XX/XXXX at XXXX XXXX and waited until XXXX XXXX then spoke TD Bank representative pickup the phone and spoke with me .She said that offer is to charged Balance transfer fee of 4 % .In her computer system, the code saying that charged $ % Balance transfer fee. I was surprised because offered clearly say that {$0.00} Balance transfer fee if use until XX/XX/XXXX.. When I requeted to spoke with Supervisor, I have to wait long time over 30 minutes then XXXX XXXX, ID and Extension # XXXX spoke with me. She said that in their system the offered is for 0 % APR for 12 month but in their ends the bank code is to charged 4 % Balance transfer fee. When I read the offer letter to her on phone she still say, the bank offered not for {$0.00} balance transfer until XX/XX/XXXX. She said, she have no access to read the TD Bank offered letter in her ends. he told me to fax that letter to her attention at Fax # XXXX and also other fax # XXXX. which is her personal fax number. She said, she will call back one 's she received the fax which she never did until now. She also told me that within three to five business day, bank will sent letter to re confirmed this offer and I can call to find out if in their system if the code was updates not to charged {$0.00} Balance transfer fee. That phone call take my time from XXXX XXXX to XXXX XXXX I stayed on this ssue with TD Bank over One hour and 38 minutes. I sent the fax to both above number same day on XX/XX/XXXX at XXXX XXXX and XXXX XXXX. I did called later on the same day to find out if She received my fax. but not able to reach XXXX, Supervisor that night. I called on XX/XX/XXXX at XXXX XXXX and waited 20 minutes then XXXX XXXX said, wait until other day. I called on XX/XX/XXXX at XXXX XXXX and waited over 30 minutes and then representative pickup the phone. She said, they do not have any offered on tis account at all. I was surprised about this new news from TD bank representative.When I asked to speak with her Supervisor XXXX, ID # XXXX, she said that she spoke with her when she put me in hold. When I asked to speak with her, she said, she transferring to her. But surprised that other representative Supervisor XXXX XXXX, ID and Extension # XXXX spoke with me and with my husband. She said she is not XXXX XXXX. and she said, she sending a internal email to corporate office to confirmed the offer. I do not know if she is XXXX or XXXX. Now she said its take 5 to 7 days to get message back from their corporate office. She said their is no TD Bank CEO or President HOT line to filed any complaint against TD Bank offered or againsit bank representative at all. She said, She will take my number and some one called me which never happened until now. I look in XXXX search and found the TD Bank HQ number and called XXXX and spoke with XXXX XXXX on XX/XX/XXXX from XXXX XXXX TO XXXX XXXX. She said she is at TD Bank HQ located at XXXX XXXX, NJ but she can not help on TD Bank credit card dept and she transferred to XXXX XXXX, at XXXX XXXX HQ, NJ. XXXX XXXX said, she have no access to TD Bank Credit card even she is at TD Bank HQ and she transferred to credit card department which is located in Georgia state, USA. She said she will transferred to Supervisor their. But she did nit transfer to Supervisor, she transferred to regular representative at Credit card dept.. at Georgia . I spoke with XXXX at Georgia office where TD Bank Credit card department. First she said, in her ends there is no {$0.00} Balance transfer fee in their code. When I and my husband mentioned about fax and calling their HQ, she put us in hold then she back and she said she will do {$0.00} transfer fee, I requested to have a written re confirmation that the offered good for 12 month 0 % APR with {$0.00} balance transfer fee until XX/XX/XXXX. She refused to do that. So, When I try to use the offered to pay our car loan, she said offered is for only pay other credit card not car loan. When I asked to read the offered what TD Bank sent to me, she said she do not have access to read the offered. I read all letter on phone and then she said hold the line. She back and say OK she can do that. When I give car loan took from my credit union name and address and account number, she said account number should 15 or 16 digit number. I called credit union and they said account number is not 15 or 16 digit. Its 4 numerical number with ends at A word of Alphabet.. Now, XXXX XXXX said they can not do that because account number should be only numerical number and must be six digit. My credit union tod her that use XXXX before account number for get six digit and now XXXX stuck with A word which is part of loan account number at the credit union. Then she said, she can put my name and my husband name on the check, I told her that offered is in my name from TD Bank and car loan can be pay either borrowers because individual person responsible to pay car loan.. Look like this bank, try to play with their terms and condition and you end up paying their higher interest rate and going to say that you not qualify for 0 % APR on their terms and pay 24.24 % interest rates even they offered for 0 % APR for 12 month with {$0.00} Balance transfer fee untilXX/XX/XXXX. This bank offered should be examined what they offered and what they real doing. I end up going to asked XXXX XXXX to please send me re confirmation letter on my fax to sure what is offered by bank. And she said, bank do not send re confirmation by mail even I sent fax to them for clarification. This bank credit card division should be investigated by Federal government agency to see their trade practice with the consumer. If they violated, should shut down the bank credit card department..
Company Response: Closed with monetary relief

Timely Response

2018-04-09

Lehigh, FL

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2018-04-09

Blackbird, DE

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-04-08

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 I was billed from an merchant. Once I saw the unauthorized charge on the account and did not recognize the charge so I called td bank and they advised it must be fraud. They did not advise me of who the merchant is. They did not tell me who to call. They did not guide me in any way to show me if this was fraud or a dispute. They treated it as fraud and received a sales draft or a representment back stating I authorized this charge and sent me the documentation dated XX/XX/XXXX showing XXXX XXXX is for the taxes I was refunded when I made a purchase in duty free. They claimed I did not submit the form however I did. I was advised to drop the form into the blue box thats in the airport which I did do. XXXX XXXX does not have a phone number that I can call. The number is out of the country and the transaction is still a billing error. By the time I saw the documents I had already received a letter dated XX/XX/XXXX stating they had issued a credit to my account and the dispute was resolved in my favor. XXXX XXXX XXXX XXXX I started getting collection calls saying I owed this amount. I contacted the bank and they advised they never sent the letter and I told them they did. After them investigating some more they said the letter was sent in error. I have been going back and forth with the fraud/dispute department manager XXXX XXXX who advised I was wrong for claiming fraud and I said no one told me who it could possibly be so if the bank cant tell me who they are then how would I know. She said there was nothing she could do. I was sent to collections. It effected my credit and I was charged interest and late fees. XXXX said the letter was an error. No one caught this error before I was sent into collections. I had to call them to tell them they sent me this letter months ago. I asked XXXX to speak to my daughter and they talked on XX/XX/XXXX. XXXX advised she would submit the escalation and we would have an answer within 7-10 days. No one has called us back. We called two to three times and my daughter left voicemails for her to call back and she has not. Td bank has mishandled this case and incorrectly sent my account to collections and has not been in communication as promised. The transaction is still a billing error since I did everything I was told to do per the merchants terms and conditions and they refuse to take this dispute or credit the account for the error
Company Response: Closed with explanation

Timely Response

2018-04-08

NJ

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: Hello The business card that I was approved for was to have XXXX bonus points credited to me after spending a minimum amount within 3 months. I have received only XXXX points. I have tried to call customer service numerous times and no matter the day or time, the same message is played that the wait time is greater than 10 minutes. I have been on hold longer than 20 minutes with no one picking up.
Company Response: Closed with monetary relief

Timely Response

2018-04-08

Monterey Park, CA

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2018-04-07

Boynton Beach, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2018-04-07

Bethlehem, PA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-04-07

Easley, SC

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-04-07

Gastonia, NC

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 ordered a TV from XXXX XXXX in late XX/XX/XXXX and paid for it using XXXX XXXX ( TD Bank ). When it arrived, the screen was damaged so we received an XXXX to send it back, we also ordered the same TV again. XXXX XXXX received the TV on XX/XX/XXXX which I confirmed in a phone call with XXXX XXXX. I inquired about the refund and they said it would process in 7-14 days. The charges still appeared on my XXXX XXXX ( XXXX XXXX ) account so I called XXXX XXXX again but they did not have any information because the warehouse processes the refunds and they only communicate using a computer system. I submitted a dispute for the transaction on the XXXX XXXX website on XX/XX/XXXX and followed up on XX/XX/XXXX but they could only say that the back office department was reviewing. I received multiple letters between XXXX and XXXX ( no company name or address on the letter, just Customer Service Department XXXX XXXX XXXX, XXXX, NJ XXXX ) stating they were working to resolve my claim. The last letter dated XX/XX/XXXX was actually on TD Bank letterhead ( XXXX, NJ ) and stated they are still investigating my dispute claim. I called XX/XX/XXXX after receiving another statement showing the charges had not been removed. I spoke with XXXX who said that XXXX XXXX ( XXXX XXXX ) had still not received a response from XXXX XXXX to confirm I had returned the merchandise. I asked to talk to a supervisor and XXXX was very rude and told me they couldn't refund my account because XXXX has the money and gave me some spiel about their agreement with XXXX. I expressed my frustration that it should not take this long when a simple call to XXXX would confirm the merchandise was returned. After talking to TD Bank, I called XXXX and talked to XXXX who confirmed that the TV was received XX/XX/XXXX and could not tell why the refund had not been processed. I was again told that there is no way to talk to the refund department but she would submit an escalation. This is definitely the worst experience I have had with a retailer and finance company.
Company Response: Closed with monetary relief

Timely Response

2018-04-07

Gloucester City, NJ

Closing an account

Checking or savings account: Other banking product or service

Fees charged for closing account
Complaint: On XX/XX/XXXX, I went into my TD Bank branch on XXXX XXXX XXXX, NJ XXXX I was approached by a TD bank employee. She said I should speak to the financial person due to the amount of money I had in my savings account. I was opened to listening to what they had to say. so I sat down with a employee call XXXX XXXX. He was the financial advisor. As soon as we sat down I explained to him immediately, that the money I have in my account was only there temporarily! This was due to the fact that I knew next tax season in ( XX/XX/XXXX ) I had to pay a very large capital gains tax. so I explicitly told him I would need that money back in one year on XX/XX/XXXX or XX/XX/XXXX So I could pay my capital gains tax. He promised me that I would get my {$60000.00} back in one year plus interest of approximately {$4500.00} so I trusted him. Gave him my money for a annuity from XXXX XXXX XXXX. I asked him ( XXXX XXXX ) over and over, are you sure Im not going to have any problems a year from now? He promised me up-and-down that I wouldnt have any problems. What bothers me the most is he knew my situation! I told him That Im XXXX and on XXXX which is a fixed income! Because I believed him I went ahead and gave him {$60000.00}. He took my money and put it apparently in an annuity in which Can not be touched in one year, unless I was going into a nursing home or need it for medical reasons in which case I would have to be on my deathbed! This is what I was told by another financial advisor called ( XXXX XXXX from a branch in the next town XXXX XXXX XXXX XXXX, XXXX New Jersey ) I Went there to get my money out! ( due to the fact there was no financial advisor at my branch that day ). after looking at my annuity book, my contract. He, XXXX called the XXXX XXXX XXXX to make sure everything was a go. At That time XXXX informed him that I can not touch that money I will only get back {$58000.00} if I do. I was expecting back approximately {$64000.00}. Do to the information XXXX gave me. When I explained all this to XXXX he said he would never have given me this annuity it wasnt cut out for me. ( XXXX didnt feel the same way apparently ). He, XXXX XXXX then emailed a letter to the regional manager for XXXX County New Jersey. She reached out to me on Friday XX/XX/XXXX. I reiterated my story to her and she said she will get back to me but hasnt yet! I feel XXXX needs to be held responsible or at the very least his employer TD Bank does. A week after I got this annuity I went in and asked him ( XXXX XXXX ) again! And once again he reassured me not to worry. he ( XXXX XXXX ) took my contract opened it up and highlighted the paragraph where it says I can have my money in one year. XXXX will remember me! XXXX will remember what he said to me! He should be ashamed of himself!! He and his employer TD Bank should be held responsible for this, not me! this was their incompetence not mine! I just trusted them. I cant afford to lose this money! I shouldnt lose my money! My branch address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX phone number is XXXX. The annuity is from XXXX XXXX XXXX their phone number is XXXX One of the attachments has the highlighted area I spoke of in my complaint. Thank you in advance I hope you could help me. Sincerely XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-04-06

Masonville, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-06

Gloucester City, NJ

Other features, terms, or problems

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

Problem with customer service
Company Response: Closed with non-monetary relief

Timely Response

2018-04-06

Sandy Hook, CT

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-06

Ontario, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2018-04-06

Blackburn, NC

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response