TD BANK US HOLDING COMPANY

2018-02-07

IL

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
Complaint: I was having financial hardship at the time ... I contacted XXXX already with the goodwill letter and they werent willing to change the status.
Company Response: Closed with explanation

Timely Response

2018-02-07

Roosevelt, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-02-07

Queens, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Complaint: On XX/XX/2018 my checking account was charged a {$15.00} maintenance fee for account that was fully funded. I called TD Bank customer service to rectify the situation but XXXX the agent locked up his computer and refused to assist me. Soon after I sent said bank an email with my concerns and have not receive a response.
Company Response: Closed with monetary relief

Timely Response

2018-02-07

Manhattan, NY

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-02-07

Palmerton, PA

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 an identity theft victim. His information was used to establish an account with TD Bank/Nordstrom and a balance of {$110.00} was placed on the card obtained. A formal dispute of this account was made XX/XX/2017 however as of this date TD Bank/Nordstrom has failed to provide an update as to the status of this disputed account as is their obligation under the FCRA.
Company Response: Closed with explanation

Timely Response

2018-02-07

Allingtown, CT

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-02-07

Cambria, VA

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Problem lowering your monthly payments
Company Response: Closed with non-monetary relief

Timely Response

2018-02-07

Manhattan, NY

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

2018-02-06

Sebring, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/XXXX I noticed from an online inquiry {$2400.00} being taken from my joint checking account without my or my wife 's authorization. I called the involved bank 's hot line and told them to stop the transaction as it was still pending. The bank representative on the phone said they could not do that and I would have to wait 24 hours to see if it became posted. Next morning I checked and it was posted to our account, causing an overdraft. I called the bank again and was told the account would have to be closed and I should either call a different number to open a new account or visit my branch. My wife and I immediately went to the branch and expressed our frustration at being unable to stop this illegal transaction and our concern about losing such a large sum of money. Also, we wanted to know who had done this, how did it happen and what will be done about it. The bank was very compassionate. They helped us open a new account, transferred the existing balance from the old account into the new one and put {$2400.00} into our new account pending an investigation into this matter which they called a " dispute '' and which required me to formally submit in writing. We were pleased with the cooperation of the branch ( which took over two hours to complete ) but still concerned as to why this was allowed to happen in the first place after calling and warning them it was an illegal and unauthorized transaction. Further, I was told that the results of the dispute process likely will not be revealed to me in any detail, only the result. I was and remain very concerned with this dispute process. I want a detailed explanation how this happened, why I could not stop it once I noticed it was in process and notified the bank, and what I should do in the future to prevent it from happening again. And I want assurances in writing that my private account information is safe with this bank. On a broader note, I would appreciate knowing if other customers of this bank ( and possible all banks ) may also be vulnerable to the same situation as me and whether notices or other warnings should be provided to banking customers to beware of illegal activity in checking accounts. I have been the subject of illegal activity in credit cards but never in a personal checking account, hence my concern.
Company Response: Closed with monetary relief

Timely Response

2018-02-06

Chicago, IL

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-02-06

Ft Lauderdale, FL

Incorrect information on your report

Vehicle loan or lease: Lease

Information belongs to someone else
Complaint: I had a car accident on XX/XX/2017. I took a leased car on XX/XX/2017 from the XXXX of XXXX XXXX. The loan was pre-approved from XXXX XXXX XXXX, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-06

DE

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a TD premier checking account back in XX/XX/2017. I completed all the required actions for qualifying the account opening bonus ( {$300.00} ) as required on time, but have not received the bonus since then. Over the course of past one year, I have done everything I could possibly do to resolve the issue with the TD bank. I contacted either the branch, TD phone agent, or online secured message center almost every week. However, till today, I have not received my deserved bonus ( {$300.00} ) yet. TD has been forever kicking me back and forth even though they know the issue but just don't want to face and fix it. As a single customer, I feel so helpless and hopeless to confront such an arrogant giant company. I am now so exhausted and have to turn to you for help. Thank you so much for your attention and kind help! I highly appreciate it.
Company Response: Closed with explanation

Timely Response

2018-02-06

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-02-06

Spfd, OR

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2018-02-06

Palm Beach, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with monetary relief

Timely Response

2018-02-06

Dowling Park, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-02-05

Jupiter, FL

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

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

Their investigation did not fix an error on your report
Complaint: Hello I have a auto loan with T/D AUTO FINANCE THEY ARE REPORTING MY ACCOUNT AS ( DISCHARGED THROUGH BANKRUPTCY / CHAPTER XXXX/ THIS WAS NOT INCLUDED IN THE BANKRUPTCY. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT REFLECT A NEGATIVE MARK TIL 2025. THIS WAS ALWAYS PAID ON TIME TIL THIS DATE. THANKS
Company Response: Closed with non-monetary relief

Timely Response

2018-02-05

VA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST.
Company Response: Closed with explanation

Timely Response

2018-02-05

Grey Forest, TX

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2018-02-05

Mem, TN

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
Company Response: Closed with explanation

Timely Response

2018-02-04

Bronx, NY

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: i have spoken to all the banks that i have the problems with but they do not want to work with me, i did everything they told me, i even went to the police and is costing me a big problem.
Company Response: Closed with non-monetary relief

Timely Response

2018-02-02

FL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: TD bank used time ordered deposits, this caused excessive fees due to lack of celresiting same day and lack of availability. over 18 months i was charged {$21000.00} in fees. Many were driven by nominal transactions on days when direcr depaoits were received
Company Response: Closed with explanation

Timely Response

2018-02-02

Pahokee, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-02-02

East Barre, VT

Managing an account

Checking or savings account: Savings account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2018-02-01

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: " CONTRACT WAS CANCELLED '' " NO CONTRACT ''
Company Response: Closed with explanation

Timely Response