TD BANK US HOLDING COMPANY

2018-03-07

Bronx, NY

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-03-07

Chester, VA

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

2018-03-07

Hootenville, LA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-03-06

Lacey, WA

Getting a credit card

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

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

Timely Response

2018-03-06

Bronx, NY

Lost or stolen money order

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

Company Response: Closed with explanation

Timely Response

2018-03-06

Palmerton, PA

Improper use of your report

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

Reporting company used your report improperly
Complaint: XXXX XXXX XX/XX/17 Td auto finance XX/XX/17 Neighborhood XX/XX/17 XXXX Llp XX/XX/17 I didnt authorize the dealership to run my credit to any of these places. After one bank with a high interest rate, I specifically told them I was getting a rate from my bank after the weekend and to not pull my credit from anyone else. They wanted to sell me the car so they sent out my info to all these lenders without consent.
Company Response: Closed with explanation

Timely Response

2018-03-06

CO

Incorrect information on your report

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

Account status incorrect
Complaint: I have always paid my bill online every month with a bank and they always show that they receive my payment. however, one time this bank sent me notice in 30 days that they never received the payment even when the website said they did. This caused a late pay to show up on my report. Their website clearly stated when i made the payment that it was made on time. I have tried to get the negative reporting removed with the company as well as thru the bureaus but have had no success.
Company Response: Closed with explanation

Timely Response

2018-03-06

Highland Mills, NY

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-03-05

Brooklyn, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-03-05

South Yarmouth, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-03-05

Bay Shore, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-03-05

FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: The TD BANK is abusing in collecting XXXX $ overdraft fees even my account is not enrolled in such service
Company Response: Closed with monetary relief

Timely Response

2018-03-05

Fairview, NC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-03-05

Wesley Chapel, FL

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

2018-03-05

Manhattan, NY

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2018-03-05

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

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2018-03-05

Colts Neck, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/XXXX TD bank set up landlord tenant account for my XXXX XXXX XXXX, as required this account needed to have my name on it. I was not aware of this account as is the norm however I assumed my landlord would set up the account as was required by our lease agreement. On or about XX/XX/XXXX a new account appeared for me XXXX XXXX in addition to the one account I had with TD Bank. I had not seen this account before and was frankly surprised and confused by what it was. So I went to TD bank and they informed me that it was in fact my account my money. At no time did they indicate that this was in fact a landlord tenant account. On or about XX/XX/XXXX TD bank froze my account and set up a debit for over 4000 dollars. After I discovered this I went to the bank to find out what was going on and I was told that in fact the account that became visible available to me in XX/XX/XXXX was in fact landlord tenant account and the funds with that account I should not have been able to access at any time nor should I have been transacting any business on that account. So after visiting the branch in XXXX NJ I was put in contacted with XXXX XXXX from TB banks fraud unit he told me that account was frozen for unjust enrichment and acknowledged 1. My having access to the account is a td bank error and 2. That the landlord had filed an affidavit seeking the restoration of funds to the account. The account was Frozen from XX/XX/XXXX to XX/XX/XXXX the debit from my account caused the account to be over drawn. In addition my direct deposit could not be processed as TD bank indicated to my employer XXXX XXXX XXXX that the account was closed. TD Banks behavior in this instance is outrageous. They would not provide me the affidavit they did not contact me prior to taking action and NONE of this would have occurred if TD bank had not changed made the error that created all of this. There was ZERO due process and zero communication with me. If there was I could have worked with the bank and resolved this issue without costing me overdraft fees and without messing up my direct deposit. I will pursue legal action ; that at this point is not in question.
Company Response: Closed with monetary relief

Timely Response

2018-03-05

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-03-05

AZ

Fees or interest

Credit card or prepaid card: Store credit card

Charged too much interest
Complaint: In XX/XX/XXXX, I paid off the principal on my XXXX card. It was late payment because they wouldn't allow me to pay with a debit card. Now they are charging me interest on the interest payment, which I refuse to pay. They have now sent me to collections.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-05

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-03-05

Heer Park, 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

2018-03-05

Fort George, NY

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
Company Response: Closed with explanation

Timely Response

2018-03-04

OR

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: XXXX uses dishonest and misleading language to describe the status of payments made against outstanding balances on their in-store red card. I have experienced this problem on several occasions, most recently regarding a payment today, XX/XX/XXXX that, according to XXXX, posted to my red card, meaning that the money was taken from my registered checking account by XXXX and used to pay down my balance. When I verify this information online using the my red card service, the payment in question is listed as posted along with the transaction number. It is not listed as pending, and the amount of the payment has been deducted from my outstanding balance on the card. However, no money has been removed from the checking account that I registered at XXXX. This is the one and only method that I authorized XXXX to use to conduct this transaction. As a consumer, I rely on accurate and timely information regarding my transactions. I do not appreciate XXXX representing a transaction being completed, which is what I can only reasonably assume they mean when they say, posted, when this is ostensibly untrue because no funds have been removed from my checking account. I dont understand what the issue is here because its a simple matter of changing their language to make it accurate instead of misleading. My guess is that they keep it this way so that people are more likely to XXXX up and overdraw on their checking account balances, like I have several times in the past because of this very issue. But, I cant be sure. Thank you for your consideration.
Company Response: Closed with explanation

Timely Response

2018-03-04

Brooklyn, NY

Fees or interest

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

Problem with fees
Complaint: The complaint is about an interest that TD Bank is charging. On XX/XX/2017, I made a transaction at XXXX store, the amount was {$310.00}. The day I made the transaction, I called the bank and I told them to not let XXXX take the money on my account because the phone I purchased I did not take. So, I called TD Bank many times, they told to wait until XXXX take the money and they are going to start the dispute. When XXXX took the money in my account, I called again to let them that XXXX already took it from my account. As a result, the bank provided me the case number. The bank asked me to send them the receipt of the transaction, I sent it by fax. A few week later, they told that they closed my case. So, I had to solve the issue with XXXX. Since that day, TD bank sent a bill of the interest that I have to pay them, if I do not pay, they are going to give my name and information to a creditor. TD bank did not solve my problem. Last month, I paid the {$310.00} to the bank. Now that XXXX refunded my money, the bank is still send the bill of the interest.
Company Response: Closed with monetary relief

Timely Response

2018-03-04

Peoria, AZ

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Company Response: Closed with explanation

Timely Response