TD BANK US HOLDING COMPANY

2017-12-06

Coral Springs, FL

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2017-12-06

College Park, NV

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with non-monetary relief

Timely Response

2017-12-05

Beach Haven West, NJ

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 explanation

Timely Response

2017-12-05

TX

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I bought my wife a ring and put it on a credit card with TD Bank was making payment and also put it on auto payment on the website. 2 months later supposedly I miss a {$15.00} payment Im trying to buy a house for my family and this happens.. TD Bank didnt not want to work with me at all. This needs to be off my credit and I already paid off that credit card.
Company Response: Closed with monetary relief

Timely Response

2017-12-05

Flower Mound, TX

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

2017-12-05

Trenton, NJ

Fees or interest

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

Problem with fees
Complaint: I opened a credit card with TD bank in XX/XX/XXXX and in XX/XX/XXXX my card was locked so I could not use it. I was on vacation at the time and to say this was inconvenient would be a gross an understatement. I had been using the wrong routing number which resulted in the payments not being received. In XX/XX/XXXX I realized what the problem was ( no thanks to TD customer service ) and paid off the card expecting to be able to use it. My card was however still frozen and was unable to be unlocked for reasons that were unclear to me. TD bank employees ( I called on the phone ) told me I should be able to use it. I visited TD bank and a sales person told me to cancel the card so I could receive a new one. I closed the card over the phone immediately. My ending bill I received documented me as paying off the card and my balance was {$0.00}. After this was paid I closed the account but the next bill I received had a purchase of XXXX, XXXX in total with interest. I did not make a purchase and was never informed as to what this amount was from. The fees have snowballed each month and now total XXXX, all because of a purchase I did not make or authorize. Because i had closed the card I will not be paying any more money for fees or otherwise and I would like everything expunged. I had tried to sort the issue out with TD ( over the phone ) but their customer service is horrendous and literally left me on hold for a total of at least an hour each time.
Company Response: Closed with monetary relief

Timely Response

2017-12-05

Grassy Point, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2017-12-05

Flushing, NY

Closing on a mortgage

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

Company Response: Closed with non-monetary relief

Timely Response

2017-12-04

FL

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: Closed checking account have private and public sides, after when public side account closed, private side still exist for another three years with a funds what is on my name, I try to used them, but two checks was processed as EFT, but rest of another checks was processed by the banks as ACH, and was revised because processed on public side not on private side, I called to the banks customer service, never met understanding of matter, manager in TD Bank also, very confusing manner responded, I sent certify letter to CEO of the bank, he never respond back, all mail going through computer system process. I need to know, is it Bank try to still my money.
Company Response: Closed with explanation

Timely Response

2017-12-04

Harmon, OH

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Problem lowering your monthly payments
Company Response: Closed with explanation

Timely Response

2017-12-04

Hinsdale, IL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has submitted fraudulent checks to withdraw funds from my checking account on two occasions. Funds were sent to TD Bank. The transaction is difficult to stop without closing the checking account due to XXXX XXXX XXXX having my account number. A phone number on the fraudulent check provides no resolution option, simply hanging up on the called ( XXXX ).
Company Response: Closed with explanation

Timely Response

2017-12-04

Tyngsboro, MA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: not my debt. stop all communications with all household members.
Company Response: Closed with non-monetary relief

Timely Response

2017-12-04

Rehoboth Bch, DE

Trouble during payment process

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

Complaint: I have a home equity line of credit with TD Bank. My payment is due the XXXX of every month. My XX/XX/XXXX payment was paid on XX/XX/XXXX. Instead of paying the total current due, which was {$150.00}, I paid {$7400.00}. After paying said amount, the updated total current due was zero. I received a notice, dated XX/XX/XXXX, which read in capital letters, " THIS NOTICE IS A REMINDER THAT YOUR ACCOUNT IS PAST DUE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. PLEASE MAKE YOUR PAYMENT TODAY. '' It also included the following information : Past Due Date : XX/XX/XXXX Finance Charge Past Due : {$150.00} Unpaid Late Charge : {$7.00} Total Amount Due : {$160.00} As a result, my XX/XX/XXXX total current due has the {$160.00} tacked on for a total of {$300.00}, which I paid, upon receipt of the aforementioned notice, on XX/XX/XXXX. To recap, I paid my XXXX payment on XX/XX/XXXX AND XX/XX/XXXX, plus a late fee. This equates to a DOUBLE payment. This is no longer about the money, it is now about the principle. I wasted over an hour at their XXXX XXXX location on Saturday, XX/XX/XXXX. I had to repeat myself 3 times to 3 different employees, stand for over 30 minutes at the teller 's counter, while XXXX XXXX was on hold with whichever department she called to correct my problem, then was told by XXXX XXXX that they had no idea how long it would take, and for me to leave, and expect an update via telephone. After hours went by with no update, I finally called them. XXXX XXXX informed me that there was no update, because whomever picked up had no idea how to fix it, then transferred them to someone else, who, after hearing my problem, hung up. And TD Bank is supposed to be one of the 10 largest banks in the United States?! It is more like " The XXXX XXXX '' XXXX. Also, as an FYI, this is the SECOND mistake they made in less than two months. The first happened on XX/XX/XXXX, which they chalked up to an encoding error. I wrote a check for {$480.00}. They encoded it as {$1100.00}, which left my account with a balance of - {$660.00}, then charged me a {$15.00} maintenance fee.
Company Response: Closed with explanation

Timely Response

2017-12-04

NH

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Complaint: I opened an account at TD Bank in XXXX XXXX 2017, I brought in a mailer addressed to me with promotion that I would receive XXXX dollars when I had a direct deposit. I have visited the bank several times and called about twenty times with no results. Each time I get lip service, saying that they are working on it, just today they asked if I still had the mailer, well they asked me that a month ago, so I told them that the officer that I opened the account with would verify, which she did. So here I am six months of not getting anywhere with this bank.
Company Response: Closed with explanation

Timely Response

2017-12-04

City Ranch, CA

Incorrect information on your report

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

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

Timely Response

2017-12-04

Beyersville, TX

Fraud or scam

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

Complaint: On XX/XX/XXXX I transferred {$22000.00} to an account at TD Bank from my account ( XXXX ). I had spoken with my bank to ensure the account was valid and I believed I was purchasing a motorhome. It was a 24 hour transfer so the money would have been received on XX/XX/XXXX. Later that night, early morning around XXXX XXXX I woke up and intuition told me I was being scammed. I called my bank first thing in the morning ( before banks were even open ) and spoke with my bank asking them to cancel. It had already been transferred but they said they would contact TD Bank. Throughout the day I spoke with my bank and once with TD Bank and they assured me that they had people who worked these specific scams. By this time I had already reported it to the local Sheriff 's office and filed a report with Detective XXXX in XXXX County, Texas. He did a little research and believed it was a scam. I also attempted to call the XXXX XXXX XXXX XXXX XXXX on Wednesday and was put on hold for 30 minutes and then the call was dropped. This was another indication to me that it was a scam. On Friday, XX/XX/XXXX is when the motorhome was to be delivered. It never was and so I knew for sure it was a scam. I filed a report with the FBI and never heard back. I also filed a report with XXXX, which is where the item was for sale and I filed a report with the Attorney General of Texas, in an attempt to recoup the monies through the Crime Victim 's Fund and was denied, stating this was a property crime so it did not qualify. FYI : In the last portion of this report, you request for my account #. I do n't have an account with TD Bank, the person committing the fraud does so that is the account # I provided.
Company Response: Closed with explanation

Timely Response

2017-12-03

Seneca, SC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I have tried numerous times, during the past month, to link my TD checking account to a brokerage account ( s ). For whatever reason, TD Bank locks me out of my account, during the actual process of trying to link my TD checking account to my brokerage account ( s ). I am presently on-hold waiting for another 35+ minutes, on the telephone, for a CSR to assist me. This is the second time, today, that I 've had to deal with this ridiculous situation. This morning I tried to link my TD checking account, a few minutes ago, I tried to link my TD debit card. I 'm also perplexed, as to why on the TD login screen where the question is asked about 'Where did you open your TD account? ' There are only three available state choices, and they are : Connecticut, Delaware, and Florida. .Well, that 's a problem in itself, because none of these states apply to my account. Then, to top that off ... The customer is forced to actually lie, in order to move forward, to the next screen. So, my first choice was Florida, since it 's also a state in the southeastern U.S.. My account was opened in South Carolina. , and that state is not one of the available choices. As a former banker, for many years, my banking expertise tells me that this issue is definitively one that needs to be addressed, IMMEDIATELY. Honestly, I am so fed-up with this particular TD Bank problem, until I 'm contemplating disassociating myself with TD Bank. It has truly become a vine of thorns in both of my sides, and is not worth the constant aggravation. I also bank with two other banks, and I have never had a chronic issue like this before. I have banked with one of those banks for over 34 years. Please try to convince TD Bank to remedy this issue. Problems like this, are really not good for TD Banks reputation, customer service relations, and quality of overall services. Warmest regards, XXXX
Company Response: Closed with explanation

Timely Response

2017-12-03

Allenwood, NJ

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I am in writing in response to a letter received from TD Bank on XX/XX/XXXX. Please see attachments for further details. This has been an ongoing problem with TD Bank. I have been willing and able to pay my mortgage for approximately over a year and a half at this point. The constant inter-departmental errors and miscommunications which have needlessly prolonged this situation seem to be continuing. Detailing the entire history of this account is beyond the purpose of this format. At this point, I am communicating through CFPB as a means of documenting and tracking my correspondence with TD bank. I received an escrow statement and application for CONSIDERATION for a loan modification. I have done this twice before with TD bank. each time, different departments erroneously altered terms due to miscommunications which led to my payments not being applied to my balance and continued foreclosure processing. Please see CFPB correspondence from TD bank on XX/XX/XXXX. The representative states that " He [ consumer ] can expect the Modification and Amendment Agreement to be mailed to him under separate cover, no later than 30 days from the date of our letter. '' I have not received any modification agreement to review. Moreover, this is the first letter I have received pertaining to my mortgage in approximately 150 Days, well over the 30 days stated in the correspondence on CFPB. My previous experiences have shown that the " modification application '' is a futile pursuit and I will not be expending resources to complete the application. Once again, I am fully committed to meeting my JUST obligations to TD bank and I ask that the bank reciprocate at least by means of clear and consistent communication.
Company Response: Closed with monetary relief

Timely Response

2017-12-02

Staten Island, NY

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

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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2017-12-02

Concord, NC

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2017-12-01

Rochester, OH

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

2017-12-01

Ardmore, MD

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 monetary relief

Timely Response

2017-12-01

E Hills, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-12-01

Bedford, TX

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: This formal complaint is against Nordstrom Credit Card. I have never ever been late on this Nordstrom account. Between XXXX and XXXX XXXX, I specifically visited and purchased numerous items from Nordstrom XXXX in XXXX, Texas where I reside. I was specifically going out of the country for 3 weeks and specifically asked an Assistant Manager by the name of XXXX, in person at the cashier stop if returning items where sufficient to meet the minimum payment due. Her exact response to my face was " yes, it XXXX take XXXX hours to process the refund. '' The amount of the refund was MUCH GREATER than the minimum payment due for XXXX payment, thus I comfortably left the Nordstrom XXXX store with return receipt in hand knowing a much greater minimum payment in a form of a credit due to returns would be applied to the card. Since this date, Nordstrom has violated the Fair Credit Reporting Act XXXX FCRA XXXX for erroneously reporting negative information directly due to their employee telling me facts which were wrong. They should see the history of the entire account since inception and see I am an exceptional customer, continuously purchase from Nordstrom and Nordstrom XXXX for years and absolutely ALWAYS pay on time for years. I have retained counsel and before we file a lawsuit, my lawyer suggested a complaint be sent to the Consumer Finance Protection Bureau, the Attorney General Office here in Texas and also the FTC. As of XXXX, XXXX XXXX, XXXX, all 3 complaints have been submitted. I am giving Nordstrom until XXXX XXXX, XXXX to completely remove the late payment from my Credit Reports due to their employee error and so they immediately stop violating the FCRA and causing willful damage and costing my much higher rates now and in the future with other creditors '. Thanks for your time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-12-01

Jackson, MS

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: The overdraft that is showing on my XXXX from TD Bank is not correct from XXXX
Company Response: Closed with explanation

Timely Response