TD BANK US HOLDING COMPANY

2017-11-21

Las Vegas, NV

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

2017-11-21

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-11-20

East Orleans, MA

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2017-11-20

Macungie, PA

Closing an account

Checking or savings account: Other banking product or service

Fees charged for closing account
Company Response: Closed with explanation

Timely Response

2017-11-19

Brooklyn, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: On XXXX XXXX, I called TD Bank to find out the process of applying for a new mortgage. The representative, XXXX XXXX, answered and asked me if I was willing to be enrolled in their new voice recognition program ( TD Voice Print ). I told him no and then he asked me why I did n't want to be enrolled. I explained why I was very against enrolling in a program matching my voice to gain access to my account. He went on to explain their process for applying for mortgages. I thought that was the end of it, until I got a letter in the mail on XXXX XXXX thanking me for enrolling in the TD Voice Print program. I called TD Bank to complain about their erroneously enrolling me in this program against my permission. Although they say that have spoken with XXXX XXXX and conducted retraining, I want there to be a record of the behavior. To go against a customer 's request and actively add their name to a program that could give access to sensitive information should be illegal and/or should come with steeper consequence than a retraining.
Company Response: Closed with explanation

Timely Response

2017-11-19

Lafayette Hl, PA

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Complaint: its not letting tranfer money
Company Response: Closed with explanation

Timely Response

2017-11-19

Mia Shores, FL

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

2017-11-18

NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: TD Bank charged me a XXXX XXXX dollar overdraft fee over pending transactions. Transactions that were not completed yet. They said I was not eligible for a refund. I am not working and need every penny
Company Response: Closed with monetary relief

Timely Response

2017-11-18

Bay Shore, NY

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2017-11-18

Stevenson, MD

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2017-11-17

Aventura, FL

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-11-17

Jupiter, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: TD BANK IS BLOCKING ME FROM ENABLING EXTERNAL APPLICATIONS
Company Response: Closed with explanation

Timely Response

2017-11-17

Brooklyn, NY

Other features, terms, or problems

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

Other problem
Complaint: To whom it may concern. OnXX/XX/XXXX, I contacted my bank, TD Bank to dispute {$170.00}. The charge was with XXXX XXXX, hotel reservation at " 10min to XXXX XXXX '', XXXX. As of today, my bank failed to help me with the dispute. On XX/XX/XXXX, I contacted the property manger as stated on XXXX website to cancel my reservation. Few days later, XXXX/XXXX/XXXX, I called to check the status of my cancellation. They said they couldnt reach the hotel. I have to call the hotel to cancel directly. Same night, I called, XXXX, the hotel to cancel my reservation. The hotel put me on hold, then, hangs up on me. Right away, I called the hotel. They put me on hold and hang up on me, again. Same night, I called my bank, TD Bank to begin the dispute process. I started my dispute from XX/XX/XXXX till today. During this time, TD Bank cancelled by dispute twice. The first time they cancelled my dispute without a reason. The second time they cancelled because I did not submit my documents. However, I did submit my documents within TD Bank given time frame. Within few days after they cancelled my dispute, they received my documents. Today, TD Bank said, I have to settle the problem with the merchant myself. As stated on XXXX website, I can get full refund if I cancelled by XX/XX/XXXX. I tried to cancel my reservation on XX/XX/XXXX. I started my dispute with TD Bank on XX/XX/XXXX. TD Bank should have efficient time to help me with this dispute. Below, I record the best I can of my communication with the hotel to cancel my reservation and my communication with TD Bank about the dispute. XX/XX/XXXX : XXXX XXXX The case # : XXXX I called the property manager to cancel my reservation. The phone number was XXXX. XX/XX/XXXX : XXXX XXXX The case # : XXXX I called the property manager to check the status of my cancellation. The operator said, they cant reach the hotel, thus, I have to call the hotel myself to cancel my reservation. Same night, I called the hotel directly to cancel my reservation. I explained that I would like to cancel my reservation and the operator put me on hold to bring up my records. During the hold time, they hung up on me. This happened twice ; same night. XXXX XXXX Since the hotel hung up on me twice, I called TD Bank to dispute the {$170.00} charge. At TD Bank, I spoke to XXXX ( from Georgia ) to dispute the charges of {$170.00}. His employee ID # XXXX. XXXX said, he would submit my dispute. Approximate XX/XX/XXXX : I received a letter from TD Bank that my dispute has been cancelled. I called TD Bank to learn more but no one can explain why the dispute has been cancelled. The operator offered to reopen the case. XX/XX/XXXX : Approximate XXXX XXXX XXXX I called TD Bank to check the status of my dispute. The operator said the dispute has been cancelled. She cant offer an answer. I request her manager to call me to explain further. XXXX XXXX : A superviser, XXXX ( spelling ) called me. Her employee ID # : XXXX She said she would look into the case and call me back within 3 business day. ( She never did call me back. ) XX/XX/XXXX XXXX XXXX I called to TD Bank to check the status of my dispute. The operator, XXXX, has no updated info to offer. Her employee ID # : XXXX XX/XX/XXXX : XXXX XXXX I called to TD Bank to check the status of my dispute. The operator, XXXX, has no updated info to offer. His employee ID # : XXXX XX/XX/XXXX : XXXX XXXX I called to TD Bank to check the status of my dispute. The operator, XXXX, said, a letter from TD Bank has been send out to me on XX/XX/XXXX about submitting my documentations. Employee ID # : XXXX XX/XX/XXXX, night I received TD Bank letter requesting documents needed for my dispute. XX/XX/XXXX, afternoon : I mailed my documents with TD Bank envelop provided. XX/XX/XXXX, morning hours I received a called from TD Bank that they havent received my documents yet. The operator gave me a fax number to fax in my documents. XX/XX/XXXX afternoon I faxed my documents to TD Bank. XX/XX/XXXX. XXXX The night before, I received a letter from TD Banking about cancellation of my dispute, again. I called to asked about why the dispute is being cancelled again for the 3rd time. I spoke to XXXX, her employee ID # XXXX. XX/XX/XXXX, Lunch time I called to check the status of my dispute ; XXXX said they minimum 10 business days to review the case. I requested the manager to contact me. I spoke to XXXX and she said she has no ID #. Right after I hang up with XXXX, I called TD Bank again to check the status of my dispute. XXXX put a note on my account to have the manager to call me. ( Manager never called. ) XXXX ID # : XXXX. XX/XX/XXXX, XXXX XXXX I called to check the status of my dispute. I spoke to XXXX. She said they received my documents. My paper work has been elevated to the manager to be review for case to be re-open. XXXX ID # XXXX XX/XX/XXXX, lunch time I called to check the status of my dispute ; no updates yet. I spoke to XXXX ; she said she has no ID #. Right after I hang up my phone with XXXX, I called TD Bank again. I spoke to XXXX and her ID # is XXXX. XXXX said my case has no updates yet. They need 10 business days to review my paper work. XX/XX/XXXX, XXXX XXXX I called to check the status of my dispute. XXXX said since my case had reopened before, they will not reopen the case again. I have to resolve the problem with the merchant myself. XXXX said she has no ID #. Right after I spoke to XXXX, I called TD Bank again. XXXX confirmed XXXX info that TD Bank will not reopen my case. XXXX ID # XXXX.
Company Response: Closed with monetary relief

Timely Response

2017-11-17

Aventura, FL

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-11-17

Chula Vista, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2017-11-17

Took or threatened to take negative or legal action

Debt collection: I do not know

Sued you without properly notifying you of lawsuit
Company Response: Closed with explanation

Timely Response

2017-11-16

Carol City, FL

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2017-11-16

Lewisville, TX

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: For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/XXXX.
Company Response: Closed with explanation

Timely Response

2017-11-16

Las Vegas, NV

Fees or interest

Credit card or prepaid card: Store credit card

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2017-11-16

Huletts Landing, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2017-11-15

Sanford, FL

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Company Response: Closed with explanation

Timely Response

2017-11-15

Brooklyn, 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: today td bank association charged my account XXXX dollars overdraft fee without even notifying me.they assumed that my acccount was negative which it wasnt and they keep charging me overdraft fees.they did this many times since 3 months and they never refunded back my money.today XXXX XXXX 2017 they charged my accoount XXXX dollars overdraft fee.they wont give my money back and their managers are very rude and nasty.i wanted to file a complain adn try to get my money back from td bank
Company Response: Closed with explanation

Timely Response

2017-11-15

Boston, MA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-11-14

Queens, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2017-11-14

Superstition Mtn, AZ

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am a victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I appreciate your prompt attention to this matter, and await your reply.
Company Response: Closed with non-monetary relief

Timely Response