TD BANK US HOLDING COMPANY

2018-01-17

Lomita, CA

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

2018-01-17

Boston, MA

Other service problem

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

Complaint: Trying to connect my bank account with a third party application but the Bank is blocking this from happening.
Company Response: Closed with explanation

Timely Response

2018-01-17

Spencer, MA

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with monetary relief

Timely Response

2018-01-17

Newark, NJ

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: Logged into my online banking, but it say I am blocked by TD Bank external?
Company Response: Closed with explanation

Timely Response

2018-01-17

Bridgeport, CT

Other service problem

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

Complaint: Ive been having trouble making transactions with XXXX, everytime i try to link my debit card it td bank keeps blocking me everytime i try to buy, even devit card saved under XXXX XXXX will not work this is causing me to lose money.
Company Response: Closed with explanation

Timely Response

2018-01-17

Jacksonville, FL

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: OnXX/XX/XXXXI received credit approval from XXXX to purchase a XXXX device. Order # XXXX XX/XX/XXXX- XXXX shipped order XX/XX/XXXX - I received order XX/XX/XXXX - requested to return item. It was approved and was told it must be returned by XX/XX/XXXXTheir return policy is that you may return or exchange merchandise within 30 days of purchase including 15 days to notify them and receive approval and 15 days to ship the product back to them. They do not post in their FAQs how long it will take to receive your refund though.XX/XX/XXXX- sent item back using XXXX XXXX XXXX tracking label Tracking label # XXXX XX/XX/XXXX- XXXX XXXX delivers item to XXXX at XXXX XXXX. signed for by XXXX XXXX XX/XX/XXXX Contacted XXXX via their chat feature to inquire about my refund. I was advised their policy is generally 30 days for items financed. XX/XX/XXXX Contacted XXXX through my online account regarding the balance and pending refund. I was advised that TD Bank issued and that I should contact them. I opted to wait and let the 30 days from the date of their receipt to pass before escalating.XX/XX/XXXXContacted XXXX via their chat feature to inquire about refund as it was not reflected in my account. It was confirmed that refund would be credited to my account on XX/XX/XXXX.XX/XX/XXXX Submitted question to TD Bank. They only apparently respond through their system and I was not aware of that. When I logged back in on the XXXX it said to call TD bank. XX/XX/XXXX submitted compliant through my online financing account. It lists XXXX XXXX but at bottom it shows that site is operated by TD Bank. Received response that I had to call them. Attempted to call. Their system requires that you entire the full account number which they say can be found on the top of your statement. I had not received a statement yet.XX/XX/XXXX I had to make a payment on the finance account ( first pmt due ) to avoid late charges. XX/XX/XXXX Tried to read a representative at TD bank. I do not have my full account number yet so I was not able to get past the automated system to a person.XX/XX/XXXX Contacted XXXX via their chat feature to inquire about refund as it still was not showing in my account. Ultimately I was advised that they were escalating it to their Concern Team. I asked how long it should take to resolve. I was told there is no particular time frame. XX/XX/XXXXSubmitted dispute to TD Bank online with details about what had happened. ( as of XX/XX/XXXX no response ) XX/XX/XXXX Finally reached a rep at TD Bank who was able to locate my account. XXXX XXXX Explained the issue. She said that they are sending out dispute forms. I advised her that I had already filed a dispute in their online system but no one responded. It will take up to 10 days to get the forms which I then need to complete and return. By the time this is resolved I will need to make another payment. NOTE - After I got off the phone I logged into my XXXX account and my disputed request was listed as " Action Complete ''. The correspondence said they are researching and they will contact me by mail but no timeframe. XX/XX/XXXXTried to reach XXXX through their Chat feature. It has changed and is now computer automated and they do not respond to requests about return questions any longer. Attached you will find - Proof of XXXX approved return Proof of XXXX XXXX delivery to XXXX XX/XX/XXXX conversation log with XXXX XX/XX/XXXXconversation log with XXXXXX/XX/XXXXconversation log with XXXX XX/XX/XXXX proof of dispute filed with TD Bank ( with their response XX/XX/XXXX )
Company Response: Closed with explanation

Timely Response

2018-01-17

Jackson, NJ

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Company Response: Closed with monetary relief

Timely Response

2018-01-17

Ridgewood, NJ

Other transaction problem

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

Company Response: Closed with explanation

Timely Response

2018-01-17

Brooklyn, NY

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-01-17

Key Biscayne, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Complaint: I have been out of the Country, in XXXX since XX/XX/XXXX ; ( where I am unable to communicate with any American banks, due to the Embargo laws here ), and returned on XX/XX/XXXX. While I was away, TD bank excessively charged my Primary DDA account with Overdraft Fees in one of ( at that time I had 2 checking accounts with them. My Primary DDA, was by myself, and the Secondary DDA, was a Joint Account with my Grandson ). The Overdraft Fees that TD Bank charged me for repeated EFTs, were in excess of the ( {$910.00} ) ; they took the remainder of my Social Security benefit, that remained on my account. I was not able to receive any notices, written, or otherwise, to remedy the situation, and even though I DID ADVISE TD BANK AT THEIR CUSTOMER SERVICE LINE ; THAT I WOULD BE OUT OF THE COUNTRY, IN CUBA FOR THE DURATION OF 2.5 MONTHS, ( due to the fact ; that I was getting married. I specifically called them in XX/XX/XXXX, prior to my trip to place a memo on the account. ) TD Bank, not only closed my Overdrawn Checking account ( without receipt of any notice ), but they took portions of my Social Security Deposit funds that were Direct Deposited into my Account at the time ; ( which are, to the best of my knowledge, considered 'exempt funds ', by US law ). Not only did they take my money, ruin my credit, and over-charged me excessive Overdraft Charges, they did a " DDA Offset '', against my Grandson 's Student account, and took his University Internship earnings ( without any written notice to him, or me!!! ) When my Grandson opened his Student Account with TD bank, ( for which I was present ), he was never given any notice or disclosures that they would '' offset any DDA accounts '' against his. As a matter of fact, when I opened my DDA & Savings account, no disclosures and terms of conditions were given to me either! They just had us sign what I thought was a " Signature Card ''. Unless, TD Bank placed this disclosure in such " fine print '', as to throw off customer from even being able to read it.
Company Response: Closed with explanation

Timely Response

2018-01-16

Jupiter, FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Tried to pay a vendor online and set up automatic deductions from the account. TD Bank said they allow XXXX to do that but not the company I need to pay XXXX
Company Response: Closed with explanation

Timely Response

2018-01-16

Bedford, NH

Other transaction problem

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

Company Response: Closed with explanation

Timely Response

2018-01-16

PA

Other transaction problem

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

Complaint: I am trying to connect my XXXX account to my TD Bank account and they block me from using XXXX with my bank
Company Response: Closed with explanation

Timely Response

2018-01-16

Cherry Hill, NJ

Managing, opening, or closing your mobile wallet account

Money transfer, virtual currency, or money service: Mobile or digital wallet

Company Response: Closed with explanation

Timely Response

2018-01-16

NH

Managing an account

Checking or savings account: Savings account

Problem making or receiving payments
Complaint: I set up two separate withdrawal requests on XXXX XXXX, 2018 for the amounts below : XXXX XXXX, 2018 for {$1700.00} USD ( Simple Savings : XXXX ) XXXX XXXX, 2018 for {$250.00} USD ( Simple Savings : XXXX ) I clearly was able to transfer {$5000.00} to the Simple savings account ... .so it DOES exist. One week after I set up these very important withdrawals I received the same message ( for BOTH transactions ) from the 3rd party who was to rx these two withdrawals as deposits. One of the messages showns below : " Your transfer on XXXX XXXX, 2018 for {$250.00} USD was reversed by your payment method. Unfortunately it looks like your bank ( TD Bank - TD SIMPLE SA ... XXXX ) has reversed your payment with the following message : No Account / Unable to Locate Account ( XXXX ). '' Am I going to have to WAIT another WEEK to get MY MONEY?
Company Response: Closed with explanation

Timely Response

2018-01-16

NJ

Managing, opening, or closing your mobile wallet account

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: Locked out of TD online banking
Company Response: Closed with explanation

Timely Response

2018-01-16

Lawrenceville, GA

Incorrect information on your report

Checking or savings account: Checking account

Information belongs to someone else
Complaint: I notified TD bank in XX/XX/XXXX or XX/XX/XXXX that the account that was showing in collections on my credit report was n't mine. They did an ach withdrawal from my XXXX XXXX XXXX checking account in XX/XX/XXXX and I had to close the account for fraud. They took information for me. I thought this was corrected but apparently not. I opened a XXXX letter this morning at XXXX XXXX and saw this same account. Along with an address that I have never lived at. I called 2 times this morning. XXXX transferred me to recovery to which the lady hung up on me and I asked for a manager several times. I called and got XXXX who I told right away that I wanted a manager and she proceed to try and blow me off and then finally says wow and put the phone on hold because she thought I was going to hang up. I explained the situation to XXXX who said that she would get a manager in the correct department which she did n't. I got XXXX and asked if she was a manger and she said no and refused several times to give me a manager and she hung up as well. Both the recovery lady and XXXX were made aware that I was going to file a complaint on TD bank with the cpfb. If they told me they had everything they needed years ago why is this issue still not resolved?
Company Response: Closed with non-monetary relief

Timely Response

2018-01-16

Encino, CA

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

2018-01-16

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-01-16

Plant City, FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-01-16

Richboro, PA

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2018-01-16

MA

Other service problem

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

Complaint: I can not deposit funds from my XXXX account into my checking account.
Company Response: Closed with explanation

Timely Response

2018-01-16

Chicago, IL

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

2018-01-16

SC

Other transaction problem

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

Complaint: I can not link my bank account to the XXXX website to transfer money out of the account.
Company Response: Closed with explanation

Timely Response

2018-01-16

Astoria, NY

Incorrect information on your report

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

Account status incorrect
Company Response: Untimely response

Untimely Response