TD BANK US HOLDING COMPANY

2017-11-03

MI

Incorrect information on your report

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

Public record information inaccurate
Complaint: XXXX XXXX had recently filed a judgement against me in 2015 and by the time it had reached me it had went to an attorney and they had issued a writ against me. I tried on numerous occasions to rectify the situation and I took my case took court and the attorney admitted this was not my account so the attorney and the court located in the state of Michigan vacated the judgement but yet and still XXXX has refused to delete this item from my credit report.I would also like to recieve a deletion report within 24 hours of the resolution.
Company Response: Closed with monetary relief

Timely Response

2017-11-03

Garden City, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2017-11-03

Miami, FL

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2017-11-03

Memphis, TN

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

2017-11-02

Herndon, VA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2017-11-02

Vienna, VA

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Company Response: Closed with explanation

Timely Response

2017-11-02

TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: On XXXX XXXX I purchased a car from XXXX and XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
Company Response: Closed with non-monetary relief

Timely Response

2017-11-02

Key Biscayne, FL

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Company Response: Closed with explanation

Timely Response

2017-11-01

Lk Buena Vis, FL

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: On XXXX XXXX, i contacted TD bank mortgage services to inquired if TD Bank would be providing any deferment to customers impacted by Hurricane IRMA. The representative informed me that yes, they are providing 2-month deferment to customers in areas impacted by XXXX XXXX that she would need submit a request to the working back office team. After submitting the request she told me that i would be receiving a package through the mail in 5-10 business days. After 10 business days, i called TD Bank again, spoke with another representative and she said that there are a lot of request to please give it another 3-5 business days for the package to arrive. After the 5 business days, i called again and spoke with a XXXX and he said that he will make call to this department the following day to see what is going on. Few days later i started receiving collection calls as i was past due. I explained to the rep the conversation i had with the TD bank XXXX to please look at the call log notes. The rep apologized and told me that he will stop collection auto calls until XXXX. I called again XXXX spoke to a representative and explained again my issue and he told me he was confused because he 's done many of these requests and he does not understand why you have n't received a letter or package yet. He said that he would call me the following day or for me to call after XXXX pm XXXX and asked for him. XXXX i called back to speak to him, he return my call and said that the back office team told him they need proof of damage to property and working contract of with timeline when it would be completed. He was confuse with their response so he sent another email to that team asking why? He said he would get back to me the following day. on XXXX, i made a comment on XXXX to TD Bank leadership team, i received a phone call back the following day from XXXX XXXX, she began to explained to me that the reason a package was not sent was because my loan is an FHA loan and FHA is only providing forbearance for 60 days but at the end of 60 days, i would need to pay back the 2 months and current monthly mortgage payment. I was very upset and explained to XXXX that it took TD bank over 30 days to tell me that my loan is an FHA loan and i do not qualify for a deferment!. Because of the lack of due diligence in their process, now i am past due 60 days on my mortgage, if I would of know this information early i would of made arrangement to pay one moth past due and begin making payments in XXXX. All we are asking if they could place these 2 payments at the end of the loan, i feel like we were mislead with all of the incorrect information TD Bank provided to me as a customer. I feel like we were mislead with all of the incorrect information TD Bank provided to me as a customer. They are asking me to complete an request for assistance form to request to look for other form of assistance. We are concern that a loan modification would be needed then interest change will increase and we would also be responsible for closing cost. we do not want this!!
Company Response: Closed with explanation

Timely Response

2017-11-01

Main Office, VA

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX E-Mail : XXXXXXXXXXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : TD Credit Card XXXX XXXX : Work Item Number : XXXX Ref. No : XXXX XXXX XXXX, XXXX are the following items that I am continuing to dispute for the following reasons : XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX for tickets to the Jazz Festival that were sent to me by mail XXXX month after the event. XXXX. XXXX/XXXX/XXXX XXXX XXXX for office supplies that were delivered to the wrong address and left by the XXXX. XXXX. XXXX/XXXX/XXXX XXXX Deals XXXX} for a drone that was purchased as a gift for my grandson that was also left at the wrong address. XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX this was an order that was placed through my XXXX account that was hacked, we did not place this order. XXXX. XXXX/XXXX/XXXX The XXXX XXXX} for XXXX concert tickets that were never used as the concert was an hour and a half late getting started. We left after waiting over an hour and requested a refund of the tickets. I have sent his information last month by mail and it was lost or is sitting waiting for a response. I would like for someone to call me at XXXX XXXX XXXX XXXX to acknowledge receipt and to conclude this matter asap. Very Truly XXXX XXXX XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-11-01

Jacksonville, FL

Other transaction problem

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

Company Response: Closed with monetary relief

Timely Response

2017-11-01

N Brunswick, NJ

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2017-11-01

Ft Lauderdale, FL

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with non-monetary relief

Timely Response

2017-11-01

Seneca, SC

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2017-11-01

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2017-10-31

Nyc, NY

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Complaint: On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX checks were deposited into my TD Bank account without my knowledge or authorization. The signatures on the back of the checks are a forgery of my signature. On XXXX XXXX, XXXX there were XXXX XXXX XXXX XXXX unauthorized ATM withdrawals from my account. On XXXX XXXX, XXXX there were three ( 3 XXXX unauthorized ATM withdrawals. There was also an unauthorized charge made at a XXXX store. TD Bank called me to report a possible illegal transaction. I confirmed with TD Bank by phone that the transactions were indeed fraudulent transactions. I had virtually no money in my account so therefore I should have had no activity. TD Bank can easily ascertain that the transactions were unusual for my account as they obviously presumed when TD Bank called me to report the unusual activity. I filed a Police report as soon as I received the telephone call from TD Bank alerting me to the fraud. TD Bank had carried a negative - {$2100.00} on my account for four ( 4 ) months. Then for several months I received bank statements and the negative- {$2100.00} did not appear. I recently settled a XXXX ' XXXX case. Once the settlement was deposited into my TD Bank account, TD Bank used " self help '' and debited my account for {$2100.00} ( XXXX offset ). This was the amount that was illegally obtained through their ATM machines. TD Bank, knew that I was a victim of fraud. TD Bank 's erroneous position that I am liable for the theft that TD Bank allowed to occur at their ATM machines is ridiculous. The XXXX detective informed me that the video at the ATM machines where the crimes were perpetrated clearly show that I am not the person at the ATM machine withdrawing the money.
Company Response: Closed with monetary relief

Timely Response

2017-10-31

Jacksonville, FL

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2017-10-31

Easton, MA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2017-10-31

Chandler, AZ

Getting a loan or lease

Vehicle loan or lease: Loan

Problem with signing the paperwork
Company Response: Closed with non-monetary relief

Timely Response

2017-10-30

NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I was charge XXXX for and a purchase from XXXX i did not authorize and someone stole my card and did this transaction on my TD Bank checking account please help me resolve this issue my money was stolen.
Company Response: Closed with explanation

Timely Response

2017-10-30

Saddle Brook, NJ

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Company Response: Closed with non-monetary relief

Timely Response

2017-10-30

NJ

Getting the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: On XXXX/XXXX/XXXX, I was on the XXXX website looking to pre-order a new XXXX XXXX XXXX smartphone and I wanted to do the installment plan to pay for the phone. I submitted an application for credit on the XXXX website but the website gave me an error page. I refreshed the webpage which brought me back to the application for credit webpage which I resubmitted again. This time the it submitted properly but I was declined and it stated that a explanation was being sent in the mail. I called both XXXX and TD Bank and I ended up bounced around since nobody could answer any of my questions. Finally, I was told by a TD Bank Rep that I did have an account and provided me with my account number. I further asked how I can go about using this new credit line to purchase my phone and TD Bank told me to contact XXXX XXXX. XXXX XXXX told me it was an issue with TD Bank. I have called numerous times since then without any positive result or any further guidance on how to proceed. I ended up purchasing the phone at full price and no longer need the credit line. When I contacted TD Bank to let them know this, they said if I wanted to close my account then they would do that but it would show that I requested the close of the account on my credit report. I explained to them that I am closing it because there is no way for me to use this credit line since it is only valid for XXXX products on the XXXX website which neither I, TD Bank nor XXXX could figure out how to apply the credit line to my XXXX account.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-30

SC

Problem with fraud alerts or security freezes

Checking or savings account: Personal line of credit

Company Response: Closed with explanation

Timely Response

2017-10-30

New Britain, CT

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2017-10-29

Delray Beach, FL

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response