TD BANK US HOLDING COMPANY

2018-01-12

Bronx, NY

Problem adding money

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

Complaint: Td Bank would not allow me to access my banking information to transfer money received for sell of cryptocurrency.
Company Response: Closed with explanation

Timely Response

2018-01-12

PA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Can not access trim program with my TD bank accounts.
Company Response: Closed with explanation

Timely Response

2018-01-12

Charlotte, NC

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have several hard inquiries on my credit with the date of XX/XX/XXXX and I never authorize them to check my credit. They did it with out my consent.
Company Response: Closed with explanation

Timely Response

2018-01-12

Manhattan, NY

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

2018-01-12

FL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: TD Bank charged me {$100.00} in overdraft fees fraudulently in one day, on XXXX XXXX, 2018. What they say was my balance was not my balance at the time and I have documents to prove it. I contacted their customer service, they refused to reverse the charges.
Company Response: Closed with monetary relief

Timely Response

2018-01-12

NY

Opening an account

Checking or savings account: Other banking product or service

Unable to open an account
Complaint: Im trying to link my TD BANK checking account to XXXX XXXX XXXX XXXX ( US ) and TD Bank is for some unexplainable reason NOT allowing it and when I call customer service they pretend they dont know what Im talking about Please make them comply
Company Response: Closed with explanation

Timely Response

2018-01-12

Nyc, NY

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: i have been trying to understand the {$70.00} withdrawals and the {$10.00} service charges posted on my statement period XX/XX/XXXX - XX/XX/XXXX i talked to XXXX in their XXXX maine office ( she so nasty ) she told me to go to the bank branch. i talked to XXXX at XXXX XXXX cor XXXX XXXX branch ( XXXX ) she can not help me understand the issue. i requested XXXX to send me a letter explaining the issue but she refused to send me a letter. Please help me get TD BANK to explain the issue.
Company Response: Closed with monetary relief

Timely Response

2018-01-11

Naugatuck, CT

Incorrect information on your report

Vehicle loan or lease: Loan

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-01-11

TX

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: My XXXX XXXX XXXX was declared a total loss. The incident occurred only 2 weeks of getting it. I called my lean holder, TD Auto, to inform them of the situation. After informing them of what was going on they told me to hold of on making the payments, that i only had to worry about making the interest payments. The whole loan was payed of by the insurance and gap insurance. I was then hit with a late payment.
Company Response: Closed with monetary relief

Timely Response

2018-01-11

Land O Lakes, FL

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2018-01-11

New Hamburg, NY

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Company Response: Closed with explanation

Timely Response

2018-01-11

Havertown, PA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with monetary relief

Timely Response

2018-01-11

Phila, PA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-01-11

Rochdale, NY

Other service problem

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

Company Response: Closed with explanation

Timely Response

2018-01-11

Fresno, CA

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-01-10

Brisas De Canovanas, PR

Closing your account

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

Can't close your account
Company Response: Closed with non-monetary relief

Timely Response

2018-01-10

Fountainville, PA

Other transaction problem

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

Complaint: unable to transfer bitcoin balance to my TD Bank account
Company Response: Closed with explanation

Timely Response

2018-01-10

Cheverly, MD

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

2018-01-10

Coral, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: XXXX associated complaint filed yesterday. This complaint involves the ongoing saga of TD Bank. On Friday XX/XX/XXXX after following TD Banks instructions on how to deposit an insurance check getting the check endorsed so on and so forth which I did. On Saturday XX/XX/XXXX my debit cards were cancelled without notification to me. I discovered the cards were cancelled when I was faced with an almost XXXX mob in the express checkout lane of XXXX when my cards didnt work. I was forced to return some items, scrounging around in the bottom of my purse for available cash. Today reluctantly XX/XX/XXXX I went into the other XXXX XXXX branch of TD bank to get new cards re-issued. I was told by telephone customer service that my accounts had not been closed. For some reason, the tellers were having problems printing new cards which they assured me was not due to the conflagration on Friday XX/XX/XXXX. As I was standing there a man came over. I had told the tellers a pared down version of what happened. When I starting talking about the problems with the insurance this man seemed to know who I was. In front of all the tellers, other customers in the bank this man started berating me for what he perceived as my misconduct. He told me he had been upstairs in the XXXX branch. I asked if he had been there why he had not chosen to come down to address the issue. He didnt seem to recognize me I had never seen him before. He said he was the regional marketing manager who had been supposed to contact me which he never did. He just started in on me berating me, accusing me of racism. I have a XXXX XXXX XXXX. I had XXXX XXXX XXXX because of a bicycle accident. As by this point I had been standing for about an hour I was in pain. This man I found out XXXX XXXX just laced into me. I asked him why he chose to abuse me in front of everyone instead of taking me to a desk to talk to me alone. I told him he knew nothing about my ethnicity. Given that XXXX is 80 % XXXX, and probably 100 % immigrant he was taking a huge risk by accusing me of being racist. My lawyer is XXXX, his assistant is XXXX. I am an immigrant.He got physically confrontational putting his head inches from me backing me further into a corner by both being physically threatening and verbally abusive. I pointed out to him there were cameras all over the ceiling. I am challenged in mobility so there was not much I could do other than wait for him to stop. I pointed out that at this very moment in time all the staff in the bank were young male XXXX with not a woman in site. I am XXXX years old. XXXX XXXX was not the first abusive man I have ever dealt with. I did what people normally do with bullys I stood there, unable to move away, just looking at him. He was yelling at me that TD bank was going to shut down my accounts. He said I had been referred to security which was the first I ever heard of this. I asked him what I had done that had been so awful besides trying to deposit this check. He said it was because I had asked the assistant manager XXXX XXXX what her qualifications were besides not knowing what a third-party check was and what double endorsement meant. I asked him what was wrong with that. He then said it wasnt what I asked but how I asked it. I then asked what he meant by that but he refused to say what was so wrong. Its the sign of an abuser to accuse a victim of something that cant be substantiated. He was yelling at me that my behavior had been so awful that I had to be escorted out of the XXXX branch by police. He was yelling at me that I had been asked to leave and refused so the police had been called. Again, he did this in front of all the tellers. By this point they were aghast. Everyone was pale and shocked. I was never asked to leave on Friday XX/XX/XXXX. At the time, the police officer came in I was sitting at an empty desk talking to TD Bank customer service who had me on hold, who had returned to my call. I am not sure what the customer rep had said to me something along the line of she couldnt help me further but she terminated the call just as the police officer came in. TD Bank records calls to the call center just as they have cameras everywhere so every move, everything I said was recorded. In short, TD Bank set me up to make it look like I was the unruly customer when I had been waiting for thirty minutes just to talk to a rep. The call itself had been about 45 minutes in duration. XXXX XXXX said that a disagreement had occurred a year and a half ago. I asked him what that was. He wouldnt and couldnt tell me. In that time I had just returned to school and completed a XXXX XXXX in XXXX so I had absolutely no idea what he was talking about but he made it seem that I had done something really terrible. I have no idea what he meant at all. I complained about excessive overdraft fees, some of which were refunded. Approximately 20 months ago I received a cash settlement which required the bank to check with my lawyer and I had sat in that branch for about 3 hours waiting for them to clear the funds which had been over {$10000.00} so I had no idea what he was talking about at all. I am not sure how TD Bank justifies this abuse. I had been in the branch yesterday XX/XX/XXXX to deposit some cash into my account. Today XX/XX/XXXX I had been patiently waiting while they printed a new debit card. I believe XXXX XXXX was trying to set me up again by talking in a belligerent tone, physically threatening me. I have been in TD bank branches many times without incident. I have been so busy in the past 20 months completing the XXXX XXXX and working that I have barely been into a branch much less away from my desk so all of this was completely bizarre. I have been working really hard to get myself an education, to get out of debt, to move on with my life even though at my age work is difficult to find. I believe XXXX XXXX was attempting to create an incident to justify whatever they were planning to do to me. I believe that I was treated in an awful manner because I am a middle-aged XXXX woman. I said to him that had I been a middle-aged man in a suit I would have been treated differently. XXXX XXXX said the same thing in her speech at the XXXX XXXX. He said I was talking loudly in the XXXX branch. I told him that I was losing my hearing something that is common in someone my age besides which as I was using their phone, it probably was reassuring to them that I was talking to TD Bank if they could hear me which I doubt. He was screaming at me that TD Bank was going to close my accounts, that I was going to get a letter in the mail. None of this made sense to me. He repeated asked me why I continued to bank at TD Bank. He continued to forcibly yell at me that I was not a valued customer, that I was a horrible customer, that TD Bank did not want me as a customer. He repeated this repeatedly in front of a lot of people, in front of customers who were totally perplexed to see a middle-aged man, a manager of the bank just verbally abusing me for seemingly no reason at all. There were a lot of witnesses. This was shocking even for XXXX. I called customer service again when I left the bank. I told them that I was in tears, that I was very upset as I have been over this whole situation. I now believe because of XXXX XXXX behavior that I have been bullied over the insurance check. I had done everything that I was required to do, I had obtained the endorsements. My lawyer had told me what TD Bank had insisted I do was not legally necessary. He had faxed a copy of his notarized signature on his letterhead as TD Bank insisted. Bullys do this. Bullys ask for impossible tasks to be fulfilled then berate their targets when this doesnt occur. This is what happened to me. I realized this as I stood there being yelled at that I was not wanted. I am like XXXX. This is a bank. This was a completely insane situation. Banking has legal implications. TD Bank was giving me grief over an insurance check that I was entitled to as a homeowner having spent a lot of my own money removing trees that had fallen on my house and caused damage. I have been totally discriminated against as a woman, based on age and my national origin. The biggest clue is that TD Bank had zero interest in resolving this issue. It was a check, properly endorsed and my lawyer had given me permission to deposit the check. For most of this tirade I was just looking at him, just thinking wow, if you had known the XXXX I have been through was what running through my head. The strange irony of the situation is that I rarely leave my house. Getting the insurance check endorsed has been the longest I have been out of my house in 20 months.
Company Response: Closed with explanation

Timely Response

2018-01-10

Yonkers, NY

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2018-01-10

Washington, DC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I deposited a check for {$700.00} ( XXXX XXXX XXXX ) from a tenant in my home through Mobile banking. I was not aware until the next business day that a hold was placed on the account for 6 business days. I received a call earlier that morning regarding charges on my account that the bank wanted to verify. I verified the charges through a recorded system. When I spoke with my bank ( TD Bank ), I was told that I would just have to wait and that the instructions on my account were : 1 ) do not call the fraud dept. 2 ) do not allow the customer to call the fraud dept, and 3 ) the hold is a dynamic hold and that it will not be released until the end of the 6th business day which is actually 8 business days. I deposited the check on XX/XX/XXXX, the hold is on until XX/XX/XXXX thus not giving me access until XX/XX/XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-01-10

Gloucester City, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: I was instructed that, in order to remove my name from a joint mortgage, to get a quitclaim deed. Then the mortgage holder would be required, as per the Garn-St. Germain Act of XXXX and the Dodd-Frank Wall Street Reform and Consumer Protection Act, to remove my name from the mortgage. TD Bank, the mortgage holder has refused to do this. My landlord is selling and I must leave my current rental unit this summer ( XX/XX/XXXX ). I can buy a house for lower monthly payments than renting. But TD Bank wo n't take my name off the mortgage. Below is a detailed description : My husband and I have been legally separated for almost XXXX XXXX XXXX XXXX years : My husband lives in the house and pays the mortgage. In approximately XX/XX/XXXX, he fell behind in the mortgage payments. So, TD Bank gave us a loan modification, making it a 40-year mortgage. The monthly payments were lowered significantly so my husband could afford the payments. Over XX/XX/XXXX, I have been trying to have my name removed from that mortgage. My name was removed from the deed. I called TD Bank and was instructed to fax the quitclaim to them. On XX/XX/XXXX, I faxed the quitclaim from my local TD Bank branch to the mortgage department. I waited, but never heard from them. When I called them, they said they never received the fax. I faxed the quitclaim again on XX/XX/XXXX from my local XXXX store. I waited a few days and called them on XX/XX/XXXX. They said they never received that fax either. I inquired further about having my name removed from the mortgage. I was repeatedly told that the only way to have my name removed from the mortgage was by death or by refinancing. I told them that the Garn-St. Germaine Act/Dodd-Frank Wall Street Reform and Consumer Protection Act says that if I do a quitclaim, they must remove my name from that mortgage without refinancing. They insisted that that was not the case. From speaking to numerous people in the mortgage loan department at TD Bank, I learned that if my husband refinances, that TD Bank no longer offers 40-year mortgages. He will have to refinance doing a 30-year mortgage. He can not afford the payments on a 30-year mortgage. So he can not refinance. So we are stuck in a 40-year mortgage. This is VERY unfair. I made my final call to TD Bank on XX/XX/XXXX, asking to speak to a special loans supervisor in the office of the president of TD Bank. I was referred to a supervisor named XXXX XXXX, who refused to let me talk to anyone higher than he. I went over everything with him that I wrote above just for the record. He verified all of the above. I said that I was now going to have to report TD Bank to the Consumer Finance Protection Bureau and that I was now going to have to contact my Senator ( which I am about to do ). XXXX XXXX finally said he would take my name and number, which I gave him, and would have his supervisor call me back. She never called me back. Can you help me get my name off the joint mortgage as per the laws stated above?
Company Response: Closed with explanation

Timely Response

2018-01-10

Tampa, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XXXX XXXX, 2017 my debit card was denied for having insufficent funds. I thought there is no way. I had more than enough money to cover all purchases with {$140.00} left. I called TD bank the automated system told me my account was overdrawn by {$310.00} ( they had already took their fees of {$140.00} ) I coud n't understand why they did n't transfer funds from my savings account they were supposed to if ever my checking account was low. But they did n't. Instead they over drew my account. So I transfered {$300.00} from my savings into my checking. When I got home from work I called TD bank. I asked why did n't they transfer my funds like they were supposed to? I signed up for this when I opened the account. I was told I see you have the overdraft protection here they should n't have done that. He said May I out you on hold to find out what happened? He left me on hold for a long time when he came back he said oh no you dont have account protection that he had made a mistake. Sunday XXXX XXXX,2017 I went in to TD bank I asked why was n't I given a copy of all the papers I signed when I opened the account? I signed up for the overdraft protection plan where it transfers funds from your savings into your checking. And I was on the phone with customer service the manager asked me if I had a copy of that form I signed. When I opened the TD envelope of all the paperwork supposed to be my copies there was NOTHING there that I signed. He told me oh there wo n't be we do n't give customers copies of the papers they sign when they open an account with us. That is just information about your account. I recorded everything from BEFORE I stepped inside. I told him I want copies of everything I signed. He told me to have a seat. He then asked me why I wanted it. I told him. He printed out 3 pages I said where is the rest? I signed at least 20 papers when I opened the account. He said no this is all. We scan everything that you sign. And it shows you do n't have overdraft protection if you did they would have given you a copy of it when you signed it. I was furious. I said you just lied. You told me at the counter TD bank does n't give customers copies of what they sign when they open an account just account information. I said I am recording this ALL of. He did not ask me not to or ask me to stop recording. He then said what may have happend is when the account was opened the staff did n't scan alot of documents and put them in the back room in the file and that is why there not showing up in the system. He went to the back and left me waiting forever. He came then called me back to the counter he asked me to give him what he printed out for me. He wanted to see if what he gave me matches. I said why do n't you just bring those papers out front? He said that 's because I did n't find anything. I wanted to see what I gave to you incase I found something. They lied said I did n't have that extra protection I know I signed up for. They failed to transfer funds to my checking. In one week TD bank took from me {$240.00} and y account was never over drawn. I have all the screen shots of their lies. I also have the entire conversation from the bank that day. I need an email address to send over the documents and recording. TD bank is frauding customers. They do n't care because even though smacked with millions of dollar in Federal lawsuits to them it 's like a slap on the wrist and they continue. This time make it count.
Company Response: Closed with monetary relief

Timely Response

2018-01-10

Palos Park, IL

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
Company Response: Closed with explanation

Timely Response

2018-01-10

Philadelphia, PA

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Complaint: I have two accounts with Td. They are both being closed. I have been a customer for 8 years. I asked corporate i I can send wires international. They said i can send as many as I want. I had recieved two wires in XXXX.. A {$3000.00}, {$1800.00} wire. They were put into my account before XXXX XXXX and taken out of my account. XXXX XXXX said they were handling it. My attorney called twice he never got a call back. They belong to XXXX and XXXX told me to have them call him. He does n't return their calls. He then intimadated me yesterday XXXX XXXX. He said to stop calling the branch managers and said have their banks call him in an aggressive tone of voice. Which they did. He does n't call them back or return their money. Professionally he should have reversed the money already. It 's been four weeks and both wires are missing and not returned. TD corporate said XXXX XXXX of XXXX XXXX has all the control. Good customer is not going on. I should not have to chase this guy.
Company Response: Closed with explanation

Timely Response