TD BANK US HOLDING COMPANY

2018-03-11

Texarkana, TX

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Company Response: Closed with monetary relief

Timely Response

2018-03-10

Eastchester, NY

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: I received a checking account statement in the mail from TD Bank covering the dates of XX/XX/2018 to XX/XX/2018. The problem is I never opened or authorized a checking account with TD Bank. I see on the statement that XXXX deposited {$0.00} on XX/XX/18 and debited the {$0.00} cents the same day to verify if the checking account was valid. The checking statement had my correct name and address at the top. I visited a TD Bank branch and closed the checking account.
Company Response: Closed with explanation

Timely Response

2018-03-10

Key Biscayne, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I am a victim of fraud. On XX/XX/XXXX I made a deposit on my checking account with a Cashier 's Check provided me by a supposed employer, to perform an assignment, in the amount of {$2800.00}. I withdrew {$2400.00} from the account on XXXX when the funds became available. On the XXXX when I checked my account on-line to see if I had received my unemployment deposit, I discovered my account was overdrawn a little over {$1800.00}. I ran to the branch to find out why. I was informed the check deposited was fraudulent. The bank should not have made the funds available knowing I never had funds in my account since XX/XX/2017 to cover those funds. The cashier was not savvy to realize when cashier check was given was fraudulent. I spoke to a customer service rep in the bank and said they could not help me. They did not report my complaint to the fraud department. I proceeded to call the police and make a report. On a later date I went to another TD bank branch and the customer service rep was very helpful. He reported the incident to the fraud department and sent them documentation showing clearly I was a victim of fraud. The customer service rep. proceeded in assisting me with closing a savings account I had and open a new account so I can do my bank transactions since the other checking account was under investigation. I am claiming the previous balance estimated around {$200.00} and my unemployment check which were taken from me and overdraft fees due to this incident. Please see documentation attached./ I re-deposited the sum of {$1700.00} cash into another checking account as per the instructions given me by the employer to the same branch on the XXXX. The account was then restricted.
Company Response: Closed with monetary relief

Timely Response

2018-03-10

Lancaster, TX

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-03-10

MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, ME XXXX Loan no. XXXX Lender Placed insurance TD bank is attempting to attach the mortgage for lender-placed insurance after having been sent proof of insurance, as per their request. My home owner 's policy has never lapsed - and yet this is the SECOND TIME that TD Bank has advanced this attempt to attach insurance at 400 % the market rate. Additionally, the insurance term is RETROACTIVE ( XX/XX/XXXX ) and claiming a premium for two months PRIOR to the policy implementation ( XX/XX/XXXX ).
Company Response: Closed with non-monetary relief

Timely Response

2018-03-09

TX

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: My auto monthly payment is due on the XX/XX/XXXX, however I make a payment almost every two weeks. I've had this loan since XX/XX/XXXX and I've never made a late payment. I was actually paid ahead at one point. I've also always made an online payment, with the same checking account that I've had going on 15 years from XXXX. I logged on to the system to make a payment on Saturday XX/XX/XXXX, however I received a message stating there is system maintenance and to try again at a later date. I then tried again on Saturday XX/XX/XXXX around XXXX cst. and I received the same message so I called customer service at XXXX XXXX and I spoke to a young lady by the name of XXXX XXXX. She advised me that there's usually system updates between XXXX and XXXX XXXX cst on Saturdays, and that I should wait about 20 minutes or so till it's XXXX my time and make the payment and I did. When I logged in about 45 minutes later I noticed that all of my checking account information that was in the system was wiped out. So I entered all of my checking info again and I made a payment of {$440.00} at XXXX and I have a transaction ID # and a screenshot of the date and time of that payment. ( Since I made the payment after 4, the payment date reflected XX/XX/XXXX ). On Friday XX/XX/XXXX at XXXX, I receive an email from my lender stating that there was an error processing my payment. So I called customer service on XX/XX/XXXX at XXXX XXXX and spoke to a gentleman by the name of XXXX XXXX. I advised him of what my experience was the last few weeks and he acknowledged that there was a system update that wiped all of the payment info from the account and there could have been an error processing the new payment. And he asked me to make a payment over the phone, and I declined. My normal payment method is online, so while I was still on the phone with him, I logged on and made a second payment for {$500.00} at XXXX XXXX. I asked him if the payment will be effective dated to the original date I submitted the payment ( since it's their error ) and he said once the payment goes through, for me to call back and someone can help me with that. I also have a screenshot and the transaction ID for the second payment as well. I asked him how long does it normally wait to post, he said I should know by 5 business days starting Monday XX/XX/XXXX. I checked my email for a payment confirmation in addition to my checking account daily to ensure the payment was processed and there was nothing. So after 5 business days ( XX/XX/XXXX ) I called customer service at XXXX. The call automatically went to a collections agent since I'm " technically '' 11 days late, and that's where I spoke to XXXX XXXX. And just like I did XXXX, I told her what happened and said I'll make a payment however it needs to be effecitve dated correctly back to 02/25 since that was the original payment date and she said she could not do that. I asked to speak to a manager and I was on hold for almost 10 minutes with no success. So not to perpetuate the problem, I made a third payment over the phone with her for {$500.00}. I attached screenshots for the two online payments made as proof.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-09

Cary, NC

Opening an account

Checking or savings account: Checking account

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

Timely Response

2018-03-09

Jupiter, FL

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: After suffering the loss of my XXXX year old brother and diagnosis of my father with untreatable XXXX, I returned to Florida to help my family and was burdened with hurricane Irma 's wrath right upon my arrival. I struggled to make payments but set up a Target facilitated payment plan in XXXX, however they continue to charge late fees ( I understood interest to be charged, but thought the plan terminated these fees ). I even called and their representative said a payment plan would stop the fees, and when I questioned why I was then charged fees from XXXX through XXXX, despite making the agreed upon payments. She refused to offer any explanation or help with the {$100.00} in erroneous, unfair, and unexplainable late fees.
Company Response: Closed with monetary relief

Timely Response

2018-03-09

Bohemia, NY

Closing an account

Checking or savings account: Savings account

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-03-09

Conover, NC

Closing your account

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

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-03-09

Seattle, WA

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: XXXX offered a trade-in promotion that would reduce the purchase price of a XXXX XXXX by {$400.00} if I sent in my XXXX XXXX phone in good working condition, free of damages outside of normal wear and tear. In 19 years I have never broken a cell phone, for as long as I've owned a smartphone it's been in a case. I took photographs of my XXXX XXXX phone before I sent it in, but I received notification from XXXX in XXXX that my phone had not met the conditions for " normal wear and tear ''. I reached out to XXXX for clarification, when they were unable to provide it and did not meet their promise to contact me with further details I disputed the fraudulent charge with TD Bank on XX/XX/XXXX. To my surprise, TD Bank did not temporarily credit my account while we worked through the dispute process, nor did I hear from them with questions about the dispute. I contacted them again via their secure messaging service to ensure I'd have a written record on XX/XX/XXXX, asking when I would see a credit on my account for the disputed amount. As with my first contact, they marked it as received and closed the contact. When I did not pay the minimum due ( including the disputed amount ) on XX/XX/XXXX, I was charged a late fee. On XX/XX/XXXX I called TD Bank to attempt to resolve the situation, they offered a one-time concession of reversing the late fee if I paid the past due amount in full, effectively eliminating my ability to dispute the amount. Around this time I received notification in the mail that XXXX had informed TD Bank that my phone did not meet the trade-in requirements due to housing damage ( please review the attached photographs which clearly show there is no damage ) and that if I had further concerns I would need to work with XXXX directly. TD Bank did NOT provide proof that the charge was valid.
Company Response: Closed with explanation

Timely Response

2018-03-09

Hartford, CT

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-03-08

Evesboro, NJ

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

2018-03-08

Reidsville, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-03-08

Fayetteville, NC

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 non-monetary relief

Timely Response

2018-03-08

Bethesda, MD

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-03-08

Melbourne, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2018-03-08

Texarkana, TX

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-03-08

East Berlin, 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 explanation

Timely Response

2018-03-08

Palmer, MA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with non-monetary relief

Timely Response

2018-03-07

Bedford, NH

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2018-03-07

South Florida, FL

Other features, terms, or problems

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

Problem with balance transfer
Complaint: XX/XX/XXXX contacted TD Bank XXXX card service to have a balance transfer of {$10000.00} to my XXXX XXXX XXXX XXXX XXXX XXXX. JXX/XX/XXXX the {$10000.00} balance transfer posted to my XXXX XXXX as {$10000.00} payment received. XX/XX/XXXX my XXXX XXXX XXXX was debited {$10000.00} and it was noted as stop payment. I immediately contacted TD Bank XXXX Card service. they claim that they never issued a stop payment on the {$10000.00} check. I contacted XXXX bank card services and they claim that TD had stopped payment. I spoke to supervisors at TD XXXX card services. they sent me letters and a copy of the check cashed by XXXX Bank card service. I wrote several letters to XXXX XXXX both the VP customer service and the office of the president of XXXX service. I included all correspondence and a copy of the {$10000.00} check they had cashed. I was contacted by XXXX XXXX from the office if the president of XXXX. ( XXXX ex. XXXX. I spoke to her giving her all the above details she told me she would look it and get back to me. I heard from her with in five days. NO solution she told me what I already knew that TD had put a stop on the check. I questioned her as to why on the back of the check was a stamp indicating XXXX XXXX bank was involved. They are our payment processing bank. I asked had she gone to XXXX XXXX no was the answer I received. TD bank XXXX card service and XXXX service XXXX XXXX both of these bank credit card services claim it is the fault of the other. I now owe TD XXXX {$10000.00} and that amount was never applied to my XXXX XXXX XXXX from XXXX XXXX. I paid {$400.00} transfer fee to XXXX XXXX. Where is the {$10000.00}. 4
Company Response: Closed with explanation

Timely Response

2018-03-07

Hartford, CT

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-03-07

Five Points, NC

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
Complaint: Dear Sir/Madam, TD cards servises added fraud transaction to my account since XX/XX/2017 $ XXXX USD today its with late fee total debt $ XXXX-XXXX debt, this charge not belong to me how i can pay them, i called 10 different times told them this charge not mine something related online cam model site but they not agree and stay in my statement today there collection company report file non payment to credit score thus without no reason my credit scores damage now i have lot of problem to obtain loan and credit cards at very low interest rate. Thus i need your assitant this matter, invetigate right culprit give them punishment and give me justice.my account number with TD card services is XXXX. Thanking you in your anticipation. Sincerely XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-03-07

Hillcrest, NJ

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response