TD BANK US HOLDING COMPANY

2017-12-19

Durham, NC

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 non-monetary relief

Timely Response

2017-12-19

Unexpected or other fees

Credit card or prepaid card: Gift card

Company Response: Closed with monetary relief

Timely Response

2017-12-19

Clearwater, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-12-19

Lakeland, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2017-12-18

Knickerbocker, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-12-18

Manor, DE

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with monetary relief

Timely Response

2017-12-18

NE

Closing your account

Credit card or prepaid card: Store credit card

Can't close your account
Complaint: Account # XXXX XXXX I opened the credit card at the cash register. I felt bad for the cashier because the supervisor was telling the cashier he had to sign up more customers for credit cards. So I said I would sign up thinking I would put my purchase and cancel it in 6 months. I might visit XXXX once or twice a year. I completely forgot about it and two months later I checked the paperwork the cashier gave me and it was all black. I believe because of the heat transfer of the paper. I never got a credit card or a bill. Finally three months later I received a bill and no credit card. I called and the call went to their collection department. I told them that I have n't received anything until now. I agreed to pay what I owed and the interest to that point. I told them I wanted to talk with someone from XXXX. I did n't think it was fair that I had 3 months of fees and wanted to talk to someone. I repeatedly asked to talk to someone in charge. I was on the phone and on hold for almost an hour. They said if I made the payment they will have a supervisor call me once the payment cleared. I asked why did n't they think to call if someone never activated the card. They did n't care. I asked would n't that throw up a red flag. I agreed to pay off what I owed plus interest but wanted to talk to a supervisor. They agreed and I made the payment. I asked them to close the account. Months passed I only received one of the bills and no phone calls. I called and tried to talk to them and the account was n't closed. She closed the account and said I was on the hook for everything. They would wave one payment if I made the back payment. I agreed that I will pay the first three months of fees to end the nightmare. Then the rep said I would still have to pay all the other fees. I did n't agree with that. I said that I would file a complaint if they did n't try to work with this situation. They said that nothing could be done. Had I closed months ago they would still charge the high late fee and report every month until I paid everything. You could not do anything because you agreed to have our credit card.
Company Response: Closed with explanation

Timely Response

2017-12-18

Charlotte, NC

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: Vehicle was deemed a total loss. Insurance have requested letter for payoff agreed amount. Refused to speak with insurance company on 3 way call with borrow to inquire anout letter. Hung up on us the borrow 3 times in one day after wait time to speak to the loss dept was an hour wait time. Would not provide names or mangement for escalations. Stated will not assist in the Gap indurance process. Was rude and nasty with us the borrower and insurance rep. Phone numbers listed on payment voucher is incorrect and also there website. We just want to pay the loan off amd they refuse to assist and will not speak to us. I have asked for management names they would not provide and only sent me to a voicemail.
Company Response: Closed with non-monetary relief

Timely Response

2017-12-18

Manhattan, NY

Incorrect information on your report

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

Public record information inaccurate
Company Response: Closed with non-monetary relief

Timely Response

2017-12-17

Santa Ysabel, CA

Closing your account

Credit card or prepaid card: Store credit card

Can't close your account
Complaint: I was billed for my monthly payment of {$13.00} on XX/XX/XXXX ( a payment plan pmt. ) however, a payment {$100.00} payment was made on XX/XX/XXXX. The payment hit my checking account and was returned unpaid. I now have a {$30.00} NSF charge and you will probably charge me a NSF returned check fee of about $ 30ish ), with a possible negative reporting. Secondly, I have a negative credit reporting from XXXX for XX/XX/XXXX/XX/XX/XXXX payments which were e-checked from my checking account ( paid!!! ). I have been disputing that for the last six months ( even with the CFPB two months ago ), and that 's not fixed! This is a nightmare on my account. Today ( XX/XX/XXXX ) I have called XXXX XXXX XXXX at XXXX to close the account. I also called their lost/stolen line at their phone number, XXXX, which is a 24 hour 7 days/week line, due to suspected abuse, and all I get is, " THE CORPORATE OFFICES ( OR ) GUEST SERVICES ARE CLOSED. '' I called starting @ XXXX up to XXXX ( PDT ) ). What do I need to do to get all this corrected? SUE XXXX IN A CLASS-ACTION SUIT!!!
Company Response: Closed with explanation

Timely Response

2017-12-17

Kawaihae, HI

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

2017-12-17

Atl, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Company Response: Closed with explanation

Timely Response

2017-12-17

Kansas City, MO

Incorrect information on your report

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

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

Timely Response

2017-12-17

DE

Trouble using your card

Credit card or prepaid card: Store credit card

Credit card company won't increase or decrease your credit limit
Company Response: Closed with explanation

Timely Response

2017-12-16

Ventnor Heights, NJ

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2017-12-16

Los Indios, TX

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 inquiries that dont belong to me
Company Response: Closed with explanation

Timely Response

2017-12-16

San Francisco, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: On XXXX XXXX, I went to a Car dealer by the name of XXXX XXXX. I signed the contract in order to finance a car. The contract had an APR of 6.85 with the finance charge of {$5700.00}, and The amount Financed of {$21000.00} with a monthly payment of {$330.00} for 83 months. When I got home and looked over my contract two days later I realized the car dealer had added {$3800.00} into cash price accessories. This was someone I did not realize, I went back to the dealer on XXXX XXXX to get the situation handled where the dealers manager told me it was a " accident '' they had added that fee in. So I signed an acknowledgment of cancel contract with states, " You acknowledge that the contract for the purchase or lease of the above described vehicle entered into between you and the dealer on the previous contract date has been canceled ( rescinded ) and no longer has any legal effect ''. My new contract has an APR of 5.99 with a finance charge of {$2800.00} and a amount of {$17000.00} financed with a monthly payment of {$340.00} for 59 months. When I received my first payment of the vehicle it was based on the First contract and not the second. The car dealer did not send the correct contract. I called the finance company to let them know of the situation, they told me not to worry that they would resolve the problem. A month went by and they did nothing, they told me I had no proof. So I faxed over to them my copy of the correct contract along side the acknowledgment of cancel contract.They told me this would really help them to correct my situation. Another month went by then they told me they would not do nothing unless the car dealer faxed over their copy of the contract. I had to go trough this long process in order to have them fax it over to my finance company. Finally in XXXX the car dealer faxed over their copy of the contract, i was told by the finance company they would finally resolve my problem. On XXXX XXXX they sent all the paperwork to their office to correct. In all this time they have yet to correct my payments and XXXX even after they have received all the paperwork from both parties. They seem to keep pushing my situation to the side, or they find an excuse to not be able to resolve my problem.
Company Response: Closed with explanation

Timely Response

2017-12-15

Bronx, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: XX/XX/XXXX To whomever this may concern, Hi, I would like to formally submit a complaint against TD Bank I have a business account with them that is associated with my XXXX XXXX company. Recently between the months of XXXX and XXXX I had a previous client named XXXX XXXX whom I provided a refund use my account and routing number in order to make unauthorized transactions. The following unauthorized transactions were XX/XX/XXXX for {$0.00} from XXXX, XX/XX/XXXX for {$100.00} XXXX XXXX, XX/XX/XXXX {$260.00} for XXXX XXXX, XX/XX/XXXX {$490.00} for XXXX, XX/XX/XXXX {$550.00} and XX/XX/XXXX {$210.00}. I saw the transactions and saw they were not from any of the bills for my business. I decided stop by TD Bank located at XXXX XXXX XXXX, XXXX, NY XXXX and I spoke with an XXXX American woman who I explained my concern and how I need them to help me close the account. She stated to me, " We are not able to close your bank account, the charges are pending they have to go through first ''. Since I realized I was not getting any help I decided to call TD Bank Customer Service to speak to a representative over the phone regarding the problem. The lady I spoke with over the phone asked me if I know a XXXX XXXX because he made a charge to XXXX with my account and another account for a XXXX XXXX in connection to XXXX and XXXX. She suggested we close down the account and open up a new account in addition to calling all the automatic withdrawal bills to contact them and tell them this account will no longer be in service. She helped me put in a claim for every transaction that was unauthorized and that within 10 days I would have my funds back. Recently I received a letter from TD Bank from the ACH Department notifying me that they are unable to refund me the XXXX charge for {$210.00}. The reasons were because it was non-revocable, or the revocation was not done in time to allow the company to act on it, therefore I would need to contact XXXX. I called XXXX on XX/XX/XXXX as soon as I saw this charge on my account and they told me their not aware of this transaction because it was not associated with my personal or business account. The only option I had was to contact my bank as it was still pending and they would not have anything to do with it since they had not received the funds. All of the unauthorized transactions have been refunded to me except for the charge of {$210.00}. Sincerely, XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2017-12-15

Heidelberg, TX

Managing the loan or lease

Vehicle loan or lease: Lease

Problem with fees charged
Company Response: Closed with explanation

Timely Response

2017-12-15

Randolph, MN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-12-15

Dover, DE

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-12-15

Fort Pierce, FL

Struggling to pay mortgage

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Timely Response

2017-12-15

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: as you know, i am a client with td bank. on XXXX XXXX i made a deposit of {$600.00} dollars at XXXX XXXX through the vending machine which is located at XXXX XXXX XXXX XXXX ny in the afternoon, i wen to shop somewhere else i did not find my banking card.i went to the bank to claim my card they told me there is no balunce in my account.therefore, i filed a complaint to the bank. after, 20 days i have no received any answer, i went back to file a second complaint. i went today XXXX XXXX the branch, they informed me my complaint has been denied
Company Response: Closed with monetary relief

Timely Response

2017-12-14

Thompsons Station, TN

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: On XXXX/XXXX/XXXX I found out that there is a negative on my credit, from XXXX XXXX. It shows that I owe {$1600.00} from an account that was paid in closed in XXXX. Apparently this was just reported on my credit. This was a shock as I have always gone to great strides to keep my credit good. I need to know why something that was paid 4-5 years ago is on my credit? I have talked with XXXX XXXX, they were n't able to help and referred me to TD bank ( they handled the retail card services for XXXX ). TD bank is the creditor that reported the inaccuracy however they have been nothing but difficult. I was hung up on at least 3 times and they were unable to give me an answer as to why someone with TD bank decided to put this inaccuracy on my credit after it has been paid and closed for years. There has to be some accountability from these companies, especially TD bank!! This situation has caused me to not be able to finance a car and countless hours of stress and phone calls etc. Now I 'm being told that I need to put a dispute in with all the credit companies and wait up to 90 days. This is NOT acceptable. I paid my bills. TB bank reported an inaccuracy and I ( the victim in all of this ) am now being told " sorry about your luck ''. I want this matter corrected and TD bank held accountable for their actions.
Company Response: Closed with non-monetary relief

Timely Response

2017-12-14

Sylvester, GA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation

Timely Response