TD BANK US HOLDING COMPANY

2018-04-05

Berkeley, NJ

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

2018-04-05

Brooklyn, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-05

Bristol, CT

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with non-monetary relief

Timely Response

2018-04-05

Baltimore, MD

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

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2018-04-04

Betsytown, NJ

Lost or stolen money order

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

Company Response: Closed with explanation

Timely Response

2018-04-04

Fort Lauderdale, FL

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2018-04-04

Macclenny, FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: TD advertises free checking with criteria and with free online banking and telebanking. When you meet the account criteria for 'free ' account, TD then charges for the bank statement to be delivered. TD conceals the fact that you must pay for the bank statement with any account. TD does not have functional online banking or telebanking. TD then asks us to verify our identity by describing transactions, which we are trying to learn about. We can't get a record of transactions and then TD claims it is verifying our identity by interrogating us about transactions. This violates our privacy and blames us for not being able to access our accounts. Because we don't know the transaction history we have to physically drive and come in to a branch with ID during their hours to get basic transaction history. This extorted labor is a disguised fee. With telebanking you can not hear all types of transactions within the given time period. With online banking it is impossible to get access to it. I was advertised to by TD online and I opened the account online and then, after giving all of my information and opening the account online, was told I had to visit the branch simply to verify my identity. In fact, the account was not opened online. When I went in they had to open the account and the whole thing took another 2 hours. I specifically asked about online banking physically inside TD bank and was told that they certainly did have online banking and it was free. I was told that I could deposit checks online and make transfers and pay bills online. This is not true. I have had the account open 2 months and have never been able to access online banking. I have called 4 times and spent a minimum of 1 hour to more than 2 hours on the phone every time I call. I can not access online banking, which was advertised to me online. 1. TD falsely advertises access to online banking and telebanking. 2. TD falsely advertises 'free ' checking when you meet the criteria by charging for a bank statement and by concealing that charge. 3. TD extorts labor from its customers, forcing us to labor for hours attempting to access online banking or telebanking. 4. TD must compensate us for our extorted labor to access our accounts, lack of access to transactions by printed statement, online banking, or telebanking. The false advertising gets our money to TD, then we get transactions going and are stuck in this situation, subsidizing TD 's profits with our extorted labor until we can resolve the matter and then go through the expense of going to another bank.
Company Response: Closed with monetary relief

Timely Response

2018-04-04

Ardmore, MD

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-04

Norfolk, VA

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2018-04-04

Birmingham, AL

Incorrect information on your report

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

Account status incorrect
Complaint: I spoke with XXXX/TD Bank in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXX that are being reported to the three major credit bureaus. I mailed my payments for XXXX/TD Bank on time. I normally do not mail payments, but because XXXX/TD Bank was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by XXXX in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX/TD Bank about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.
Company Response: Closed with explanation

Timely Response

2018-04-04

Axson, GA

Other features, terms, or problems

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

Credit card company forcing arbitration
Company Response: Closed with explanation

Timely Response

2018-04-04

Dover, NH

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Closed with non-monetary relief

Timely Response

2018-04-04

Phila, PA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-04-04

Amity Harbor, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-04-04

NJ

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: Back in XX/XX/2018 i tried to resolve the issue with a XXXX representative who Refused to give me a credit reversal to my store credit card at that time.his reason was Because the bank of mines returned the online transaction on the target card.being that There were no hand written check mailed to this company i felt that i deserve the right To Have my account credited of the monies they took or charge me at the time.XXXX i Did have a balance which was paid by me through the XXXX XXXX who denied the Transaction there was money in the account at that time.XXXX Representatives charge My credit card a total of XXXX which was paid on XXXX i Realized there was an error Made on my behalf of the wrong information issued and Like i did explain to the target Representative there was an error made.as a valued Customer and card holder i do Deserve the respect from the corporation and deserve The right to be refunded which i Wasn't granted that opportunity at that time. so Therefore i am asking that my account be Refunded due to the actions of these Prejudice issues at the time when being mistreated Differently from other customers or Cardholders clients dealing with the corporation i Deserve the righteous treatment Hopefully this can be resolved with out any further disputes.thank you sincerely.XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2018-04-04

East Elmhurst, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-04-04

West Newbury, MA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2018-04-03

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-04-03

North Bergen, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with monetary relief

Timely Response

2018-04-03

CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for a credit card with TD Bank/XXXX. While the application was declined the fraudulent related inquiry was left on her XXXX credit report XX/XX/XXXX. TD Bank/XXXX did send a letter confirming the denial of the fraudulent application however the fraudulent inquiry remains on the credit report. A formal dispute of this information was mailed XX/XX/XXXX and received by TD Bank/XXXX however as of this date Nordstrom has failed to reply to and confirm the removal of the fraudulent related data which is a violation of the FCRA.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-03

Addisleigh Park, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-04-03

DC

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 three fraudulent charges were placed on my credit card : {$350.00} ; {$140.00} and {$350.00}. On XX/XX/XXXX, I noticed the charges and called the bank with my concern. Then sent a letter detailing theses charges were unauthorized on XX/XX/XXXX. On XX/XX/XXXX, the charges were placed back on my account without notification. On XX/XX/XXXX, I noticed these new charges and again called the bank for explanation. I was told I would receive a call back.
Company Response: Closed with explanation

Timely Response

2018-04-03

Greenwood, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: First off I want to start by saying this is my third filed complaint with the CFPB on TD Auto Finance. I want to know when enough is enough? On XX/XX/XXXX, my wife made a payment to my account ( account # XXXX ) the payment was applied to my wife 's account for some reason, showing that I was late making my payment and behind by 2 payments when I was NOT. I called TD Auto Finance and they did not seem to help, therefore I submitted a complaint through the CFPB and I was answered and it was apparently corrected ( Please see in the attachments the letter dated XX/XX/XXXX written by XXXX XXXX - Problem Resolution Service Representative ), included in the letter was also a statement showing all my on time payments and that I was not behind. I recently received my new monthly statement for XX/XX/XXXX payment. This time my new monthly statement says I am {$3900.00} behind when I have made all my payments on time. This is by far the most ridiculous situation ever. I make my payments on time every month and I have every bank statement to prove it. I continuously have to contact the CFPB to get these situations fixed when they should be fixed in the first place.
Company Response: Closed with explanation

Timely Response

2018-04-03

CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for a credit card with Nordstrom. While the application was declined the fraudulent related inquiry was left on her XXXX credit report XX/XX/XXXX. A formal dispute of this information was mailed XX/XX/XXXX and received by Nordstrom however as of this date Nordstrom has failed to reply to and confirm the removal of the fraudulent related data which is a violation of the FCRA.
Company Response: Closed with explanation

Timely Response

2018-04-03

Fort Lee, NJ

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Late or other fees
Company Response: Closed with explanation

Timely Response