TD BANK US HOLDING COMPANY

2018-03-29

Lucas, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: No one has validated this debt, even though several validation letters have been sent out of the span of 2 years. I am trying to buy a house at the moment and this collection is hindering me from doing that. Thanks
Company Response: Closed with explanation

Timely Response

2018-03-29

Lucas, TX

Written notification about debt

Debt collection: Auto debt

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

Timely Response

2018-03-29

IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: i contacted XXXX and told them that this debt was included in chapter XXXX and that they recieved noticed. which the lady said they did and didnt know why they are trying to collect on a debt, that was XXXX in bk XXXX. i gave the my attorney name and phone number. they still reporting this on my credit report ruining it. i told them if they didnt fix it i was filing a complaint and seek action against them.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-28

Rahway, NJ

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

2018-03-28

Foothill Ranch, 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 XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. While those applications were not successful the inquires from the applications were made into his credit reports. A formal dispute of those applications and inquiries were submitted however no confirmation of deletion of those inquiries has been received from one bank. TD Bank has failed to comply with FCRA law and has not replied to the victim with regard to removing the inquiry from the credit reports.
Company Response: Closed with explanation

Timely Response

2018-03-28

Gloucester City, NJ

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: I paid off my auto loan with TD Bank Auto Finance in early XX/XX/XXXX. I waited a few weeks for my title to come and eventually sent a message via their secure message center on XX/XX/XXXX. I received a message back saying the following : " Thank you for reaching out to TD Auto Finance to request your motor vehicle title. We reviewed your request and confirmed we released your title on XX/XX/XXXX to the address on file. If you have any other questions or need more help, please let us know. We value you as a Customer and are here to serve you. Thank you for choosing TD Auto Finance. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance ''. Upon not receiving it by the XX/XX/XXXX, I called customer service and was told that the title was actually released on XX/XX/XXXX, which is the first instance that I felt was deceptive during this process. The associate told me that the title would be here by the XX/XX/XXXXat the latest. Upon still not having my title by XX/XX/XXXX, I called customer service again and was told this time that it would be here by the XXXX. I asked to speak with a manager, explained the situation and was now told that they could not guarantee when I would receive the title, contradicting both of the associates that I'd spoken with prior to then. I no longer know when I will actually receive my title and have lost out on 2 opportunities to sell my car because of the delay and false information from TD Bank.
Company Response: Closed with explanation

Timely Response

2018-03-28

Cocoa, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2018-03-28

Halyoke, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-03-28

Providence, RI

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: The debt is owed to XXXX. XXXX did not give us enough time to resolve the debt with them before sending it to a law firm. I am attaching what the law firm sent us due to it not looking like it is filled out correctly. Since I have already filled out the form. I would like to ask about other debt and who I can speak with. I also owed a credit card company approximately XXXX dollars. They took me to court and did I had no idea what I should do. Of course I did nothing and now that XXXX debt is a XXXX lien against my house. How can unsecured credit card debt get a lien against your house.
Company Response: Closed with explanation

Timely Response

2018-03-28

Center Port, NY

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2018-03-28

Saint Paul, MN

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Didn't receive advertised or promotional terms
Complaint: On XX/XX/XXXX at about XXXX XXXX I talked to a woman at XXXX about my past due account, she updated my account with my hardship information and offered me an 85 % settlement or a payment arrangement towards the full balance ... these options came after I specifically told her I cant make monthly payments and she did not provide options that would be feasible based on my circumstance. She tried to manipulate me to agree to do an arrangement that I couldnt make good on and threatened that the account was going to be placed at a law from on XX/XX/XXXX. We ended the phone call because she refused to offer me an arrangement that would fit my financial hardship. I talked to a man at XXXX on XX/XX/XXXX, he said that my account had not been placed at the law firm yet, and he proceeded to offer me a 75 % settlement. I told him I couldnt do that but I offered a lesser amount. He said no he couldnt accept my offer but he had a manager approve a 60 % settlement on the account. I asked to speak to the manager and he put me on hold for over 6 minutes and then hung up on me. I called XXXX back the same day ( XX/XX/XXXX ) and next got a woman on the phone who apologized for the previous agent hanging up on me. I explained the offers and she told me she can not accept a 60 % settlement and would only accept a 75 % settlement and that is the lowest they would ever go. XX/XX/XXXX I called XXXX again to try and get a reasonable solution, I talked to a woman on the phone and explained my first three phone calls and my frustration. She proceeded to offer me a payment arrangement which I told her many times I couldnt afford. She then told me that my account was placed at the law firm on XX/XX/XXXX. I told her this wasnt the case and Ive been told differing stories from each agent I spoke with at XXXX. I asked to speak with a manager and she said she couldnt transfer me but she would put my escalated phone call in the queue and would have a manager call me back. We ended the call. I missed a phone call from XXXX later the same night. I called them back and it was another agent saying it was a manager trying to call me back but she cant transfer me to them. This agent then said that there are no settlement options at all and that the account was sent to the law firm today XX/XX/XXXX. She proceeded to ask me about my hardship and said that my hardship hadnt been previously document on the account at any point. I told her she was the 5th agent Im talking to and Im not willing to explain my hardship yet again when they dont even notate the conversation on my account.
Company Response: Closed with explanation

Timely Response

2018-03-28

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-03-28

Ridgefield, CT

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2018-03-28

Bowie, MD

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Bounced checks or returned payments
Company Response: Closed with explanation

Timely Response

2018-03-28

Bellmore, NY

Other transaction problem

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

Company Response: Closed with explanation

Timely Response

2018-03-28

Bellerose Manor, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-03-27

Elberon, NJ

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

2018-03-27

MO

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: I am XXXX years old and on Social Security. As recently as yesterday morning I received a threating call from a XXXX XXXX in New York claiming he would sue me, ruin my credit, and step up harassment if I didn't pay {$4000.00} which was accruing interest daily. I have received over sixty calls from this person. I can not verify that he maintains a license as a debt collector in the state of New York. Sometimes he uses the name XXXX XXXX, other times he uses XXXX XXXX, and still other times he identifies himself as being from XXXX. XXXX XXXX. I received one letter from him that had two different logo 's, one was an XXXX under another, but both appeared to be third generation photocopy letterhead on the same page. I have contacted XXXX XXXX directly who advises the account owing {$4000.00} is now paid off. We also satisfied another XXXX XXXX charge from purchases made in the XXXX. XXXX XXXX certainly feels to me that he is acting with the profile of a scammer. I would like him and any associates to stop the intensive calling. Thank you!
Company Response: Closed with explanation

Timely Response

2018-03-27

Juniper Hills, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: When I went to purchase the XXXX XXXX paying cash I was offered to finance the purchase. I had problems with the purchase. I did not receive all what was ordered. I was to return my current phone within 10 days to receive a {$300.00} discount. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person failed to send it. It was to days late. I contacted XXXX Customer service, given ticket ref XXXX, XXXX XXXX XXXX XXXX. XXXX would contact me to resolve the issue. To date I have not received a response from XXXX even after multiple of attempts, each time they sent a follow up over three months. I received mail from XXXX a finance company. I contacted and informed XXXX failed to live up to the agreement. I was waiting an answered to my request to resolve the issue. I requested contract be canceled as I intended to pay cash as I had done in my two previous purchases if XXXX phones. A representative XXXX on XX/XX/XXXX at XXXX who stated the account would be canceled at my request. She informed me that I would received a letter my account was canceled. I never received the letter. XXXX showed my credit closed. Only to have it appear again. On or about XX/XX/XXXX I received my first XXXX statement stating I needed to make two payments. I contacted XXXX XX/XX/XXXX. I was informed the account would not be closed until I resolved my disagreement with XXXX. I explained I had been trying for weeks. I plan on paying cash once the dispute is handled. I am not paying for items I did not receive. There reply was then pay for what you received. I informed the agent my mother did not raise any genius, but she did not raise any dummies either. My concern is the agreement with you will be delinquent sixty days on the XX/XX/XXXX. I did not want the contract, I agreed to XXXX XXXX, not to another company. They refuse my request. They continually harass me weekly for a month even after I requested no contact.
Company Response: Closed with monetary relief

Timely Response

2018-03-27

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-03-27

Elberon, NJ

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-03-27

Franklinville, 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 explanation

Timely Response

2018-03-27

Babylon, 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

2018-03-26

Jamaica, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-03-26

Brisas De Canovanas, PR

Closing your account

Credit card or prepaid card: Store credit card

Can't close your account
Company Response: Closed with monetary relief

Timely Response