TD BANK US HOLDING COMPANY

2018-02-13

Atlantic City, NJ

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-02-12

Bethesda, MD

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2018-02-12

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-02-12

Scottsdale, AZ

Trouble using your card

Credit card or prepaid card: Store credit card

Credit card company won't increase or decrease your credit limit
Complaint: I have had a XXXX XXXX XXXX for years, according to XXXX since XXXX. Although my account has had varying credit limits, the company resolved higher credit limit accounts to {$500.00} ( including my XXXX credit card ) when the restructured about 5 years ago. Recently, I received a letter in the mail dated XX/XX/XXXX from XXXX which states that my credit limit was increased to {$800.00} effective immediately. I have NOT, however, seen the credit limit increase when I view my account online. I have contacted XXXX by e-mail regarding this issue, with a response that my credit limit was {$500.00} not {$800.00}. Today ( XX/XX/XXXX ) I spoke with a XXXX representative ( XXXX ) who confirmed that my credit limit is {$500.00} and told me that the XX/XX/XXXX letter " must have been a mistake ''. I explained to XXXX ( the XXXX representative ) that I believe his response was incorrect and possibly illegal, because banks and other financial institutions are bound by strict financial laws. Despite my protest, my XXXX XXXX credit limit is {$500.00}. I would like my XXXX XXXX credit limit to be officially increased to {$800.00} as indicated in the XX/XX/XXXX letter
Company Response: Closed with explanation

Timely Response

2018-02-12

NJ

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: I have a TD Savings account ( with the bump ). This account currently pays 1.00 % for the amount I have in the account instead of a regular ( no bump ) 0.35 %. I recently noticed that I am collecting a smaller amount and contacted TD Bank. The bank apparently switched me to a new sort of account, with different terms without notifying me. The new account has different qualification requirements, which meant that even though they deceivingly called my account with a bump I was not actually earning it. After a handful of conversations with the bank, including branch and customer service line. I was first told that I am owned back interest, but I was later told that TD does not have to pay me any back interest.
Company Response: Closed with explanation

Timely Response

2018-02-12

New Britain, CT

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

2018-02-12

Jupiter, FL

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

2018-02-12

Lake Hiawatha, NJ

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2018-02-11

Baton Rouge, LA

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on XXXX credit report charge off balance XXXX. The balance is {$0.00}
Company Response: Closed with non-monetary relief

Timely Response

2018-02-11

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: This is not my account. If there are no proof of signatures then I am requesting for this account to be removed from XXXX, XXXX, and XXXX.
Company Response: Closed with explanation

Timely Response

2018-02-10

NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I prepaid XX/XX/XXXXproperty tax on XX/XX/XXXX. The property tax is escrowed with TD Bank, I called TD to request a rate analysis and not to pay my XX/XX/XXXXproperty tax as it was already paid. TD bank at XXXX XXXX NJ branch and their online banking provided the procedures to apply for rate analysis and stop paying XX/XX/XXXXproperty tax. I submitted my request to TD Bank through 3 channels : 1. I messaged TD on XX/XX/XXXXvia their online banking ( with records ) ; 2. called their mortgage dept ( XXXX ) on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; 3. faxed their mortgage dept on XX/XX/XXXX through their XXXX XXXX ( with records ) for the request as I do not have a fax machine. In the fax, i provided the receipt of the property tax as proof of payment as part of their procedure. I also called and followed up with TD bank on XX/XX/XXXX and confirmed they received the request, the agent stated it would take a few days to process but confirmed he has put in the request in system to stop paying property tax and rate analysis while he was trying to sell me their credit card. He said I should receive the notice for the rate analysis in 2 to 3 weeks. I called again when i didn't receive the notice, the agent this time then said they do not send notice but confirmed they received the rate analysis request and was being taken care of. However in XX/XX/XXXX, i noticed TD bank continue to pay the first quarter property tax to the township and on XX/XX/XXXX and XX/XX/XXXX they also charged me monthly loan + interest+ property tax. When i asked them about the rate analysis request and why they continued to pay the property tax, the agent was rude and said they were too busy and the whole XXXX prepaid tax and they had no time to take care of these requests. She also said they only received my rate analysis and stop tax request on XX/XX/XXXX while the property tax was distributed on XX/XX/XXXX. Because she was so rude, so I requested to speak to a manager ( XXXX XXXX ), he seemed nice and said he wasn't sure what went wrong, and he couldn't find records of rate analysis or stop tax request. So I told him i had the fax and online messages record, he asked me to email him the fax record and if I did have proof to show i had such a request, they would need to refund me the property tax / extra mortgage they charged. 3 days later, I didn't hear back from the manager after emailed ( with records ) him the fax proof, so I called again and left a few messages and asked him to return my calls and he never did. When i called again, the agent said XXXX claimed he called me but no answer on my phone, i checked my phone records but I never got a call from him so I requested him to call me and left another 2 messages but still never got his return call. Then I asked to speak to another manager named XXXX, he now said he never received the rate analysis and they would continue to charge the loan plus property tax and continue to distribute the property tax until they would do the rate analysis which could be in XX/XX/XXXX. I told them they are overcharging my account as property has been fully paid and I had records to prove that I submitted my requests. I also told him that 3 agents have confirmed they received the stop tax payment and rate analysis requests. Then his story changed to " we did receive your request but we rejected it twice '', so I asked why no one informed me that they rejected and on what basis TD is allowed to reject? and the fact I already paid the full property tax in XX/XX/XXXXwhile they charged my account for property tax, I asked where did the money go, at this point, he kept saying he has no answer for me and he doesn't know what to say to me. I asked for his full name or employee ID, he refused as he said its confidential, FYI, I talked to this person XXXX at mortgage ( tel XXXX XXXX XXXX ) on XX/XX/XXXX at XXXX. As of now, no one called me back and followed up at TD bank, when I then messaged on line banking, they just asked me to go back to the same department with no follow up either. since i already paid my XXXX property tax, i dont have a personal budget for it anymore while TD continue to charge me, essentially doubling my expenses, and they should refund me the overcharged amount.
Company Response: Closed with monetary relief

Timely Response

2018-02-10

Miami, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2018-02-10

Rochdale, NY

Incorrect information on your report

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

Account information incorrect
Complaint: In or around XX/XX/2016 i opened a credit card with td bank i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail td claimed they never recieved it 6months later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with td bank and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by td bank and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus XXXX XXXX XXXX you name it i hired XXXX XXXX i called td bank a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to 48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides td bank the worse bank by far anyone who just neglectfully not make payments should be punished in this way
Company Response: Closed with explanation

Timely Response

2018-02-09

Tampa, FL

Fees or interest

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

Problem with fees
Complaint: As of XX/XX/XXXX, Had balance of {$110.00} with TD Bank. My husband had XXXX and opened account in my name over the phone without my knowledge. They added late charges and the total is now {$210.00}. In XX/XX/XXXX, I spoke to bank and told them they should not be opening accounts over the phone. They stated my name was on the account and I had to pay it. My husband XXXX XXXX in XX/XX/XXXX and I feel I am not responsible for this debt. They call me three times every day, sent me four letter demanding payment.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-09

Moapa, NV

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I have a XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. I mainly only use it around the holidays for my kids toys. Note : My FICO is over XXXX. In short every time I use this card, there are fees and interest ; no matter when I send payment in. Always marked a day late " every time '' Most of the time they remove them, but ; this last time when I called to complain on XX/XX/XXXX @ XXXX, no go. When I asked for a Supervisor they instead hung-up on me! I called back later and even more charges accrued and still no relief. Here is my theory, they talk you into the card for the 5 % Discount then they advertise they give another 5 % to Charity. So, in short, " everyone '' gets a late payment no matter when you send in a payment. Always just one day late! There are hundreds & hundreds if not thousands of complaints for the exact same reason on-line. This is a scam!!! They bill on the XXXX of the month. Add, 5 to 7 days for mail ( their time frame ) and I am getting the bill on the XXXX. Plus, I allow 5 to 7 days return mail, that takes us to the XXXX. They close out and must receive payment by the 5th. That leaves just 13 days for that transaction to close out. No matter when you send the payment ... always one day late. Please look into this matter at your earliest convenience ... I am certain they are paying for their charitable contributions and the discount with exorbitant late fees and following interest charges. Respectfully, XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-02-09

Allentown, PA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-02-08

Bronx, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-02-08

Manhattan, NY

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-02-08

Naples, FL

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: In the end of XX/XX/XXXX, I believe the XX/XX/XXXX, I received a letter from TD Bank that I had over drafted my account. I didn't have an account with TD Bank so I immediately suspected fraud. I called them ( spoke to XXXX XXXX in XXXX, SC ), but she wanted my SSN to tell me anything. I never heard of them so I didn't give it suspecting phishing. She told me there was a branch in XXXX, FL if I wanted to go in person, so I went the next day, XX/XX/XXXX. While I was there I spoke with XXXX XXXX, XXXX, XXXX. She told me that the account would be closed, and that I might receive another letter of two while they closed it. The balance due was {$390.00}. On XX/XX/XXXX I sent TD Bank a package that included information that I gathered with the help of IdentityTheft.gov disputing this account and charges. I sent it by USPS Certified mail, and I requested a receipt be returned showing that they received it. I received my receipt about a week later for the article. Unfortunately I can't read the signature. So far I have received no less than 6 more letters of intent to collect from TD Bank, I can't find the last one right now, but it was about two weeks ago and it showed a XXXX balance, so I thought this was over. On XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX, ( XXXX ) informing me of their intention to collect XXXX on behalf of TD Bank. I called and disputed the charge immediatly. They told me that they would be turning the disputed charges back over to TD Bank. I filed a police report with the XXXX County Sheriff 's Office Fraud Prevention Bureau XXXX on XX/XX/XXXX. This account was opened online, the person who opened it provided personal information about me, but provided no proof of who they were.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-08

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2018-02-08

Cropseyville, NY

Struggling to pay mortgage

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

Company Response: Closed with explanation

Timely Response

2018-02-07

Arco, CA

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Company Response: Closed with explanation

Timely Response

2018-02-07

Arco, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-02-07

San Jose, CA

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

2018-02-07

Magnolia, TX

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I was notified recently there was a charge off from XXXX XXXX XXXX/XXXX while attempting to acquire a home loan. I contacted the lender and we agreed to a settled amount. I asked that the item be deleted from my account as I never received notice of the outstanding debt via certified mail. They refused. They were only willing to show the debt as paid for less than outstanding amount.
Company Response: Closed with explanation

Timely Response