TD BANK US HOLDING COMPANY

2017-10-05

Birch Island, ME

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

2017-10-05

Deridder, LA

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
Company Response: Closed with non-monetary relief

Timely Response

2017-10-05

Macungie, PA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with monetary relief

Timely Response

2017-10-04

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2017-10-04

Cherry Hill, NJ

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-10-04

Austin, TX

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2017-10-04

Washington, DC

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
Complaint: Hi, First off just wanted to thank you for reading this and I hope you can help me. The problem is n't exactly as stated. I have a title problem, but the problem is about transferring jurisdiction not about receiving the title at the end of the payoff period. I still have 6 or 7 months on the loan. In XX/XX/XXXX I moved to XXXX from XXXX. The XXXX DMV requires that they reissue the title for the car prior to registering. I called TD Auto Finance, my lender regarding how I should do it. They recommended that I send in the form requesting the title be send to the XXXX DMV, but wanted me to switch my insurance to my new address first. I did that. On XX/XX/XXXX I talked with them on the phone after moving my insurance. They looked at this link ( below ) and reviewed the form and agreed to help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The title was not sent. They called me back a week later asking for the form. I mailed it in. They called me back after about another week accusing me of stealing my own car. They realized their mistake and said they would help me register my car. At the beginning of XX/XX/XXXX the XXXX in XXXX cancelled my registration as they had been notified by my insurance and lien holder i had moved. After sending in the form by mail another time, trying to fax it to them 2 more times, writing 4 emails of progressive frustration, and 2 more calls ; I am now paying for a car for the last 2 months that I can not drive as its not registered in any state. TD has sent me the wrong tracking number at least once and there is no line of sight to resolving this issue. Please help. All they needed to was send the title. Instead, now I both need that to be done as well as get some relief for not being able to drive the car I pay for 2 months. thanks, XXXX
Company Response: Closed with non-monetary relief

Timely Response

2017-10-03

Keytesville, MO

Incorrect information on your report

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

Information belongs to someone else
Complaint: My XXXX XXXX was awarded the credit card debt in our XXXX per the XXXX decree XXXX XXXX XXXX XXXX. When I had access to the joint funds, I had paid these and had the accounts in good standing, but since the XXXX, he has neglected to pay them, and it has dropped my XXXX XXXX significantly.
Company Response: Closed with explanation

Timely Response

2017-10-03

North Hollywood, CA

Incorrect information on your report

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

Account status incorrect
Complaint: this account should not have any negatives ( late payments ) i have even received a letter from the creditor for which they have approved of this being ok to be removed. please help me to remove this negative from XXXX credit reporting agencies thank you letter attached
Company Response: Closed with explanation

Timely Response

2017-10-03

Lithonia, GA

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2017-10-03

Sarasota, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: Hard inquiry on my credit report from XXXX that was an attempt of identity theft, I had already talked to XXXX, when they sent me a letter asking if I had made this request for a credit card, on XXXX XXXX, 2016. I called them & told them I had not requested this card, They understood & were very apologetic, They told me they contacted the credit agencies and reported this, I also joined all three agencies & sent them copies of our problem. the other agencies canceled this inquiry, but not XXXX. I have also tried through XXXX XXXX to dispute this, but every time I tried, when I went to dispute, it never would come up so I could dispute it. I have called them to tell them, but I can not seem to get it removed.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-03

Ft Myers, FL

Getting a loan or lease

Vehicle loan or lease: Loan

Problem with additional add-on products or services purchased with the loan
Company Response: Closed with explanation

Timely Response

2017-10-03

Lambertville, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-09-30

Jupiter, FL

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

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

Their investigation did not fix an error on your report
Complaint: some time on and around XXXX XXXX XXXX. I went to the bank to make my that was do or XXXX XXXX XXXX and pay on my account of XXXX TDB made an error .they post payment the XXXX of XXXX XXXX. but I pay in the bank Moring the XXXX about XXXX in the XXXX.after then they post my payment and it made my payment late .i have never been late in make my payment on any of my bill. TD.Bank after 24 month of have this credit line they took my credit line from me and my wife. because there misstated that they made. I believe it was unfair to removal my credit line from XXXX to XXXX on there misstated out of 24 month my payment is due on the XXXX of the month. and not only that I ask there representative about the post on the XXXX XXXX of XXXX because I knew that it was a XXXX XXXX week end .and she stated it would post that day. plus they mail me a statement stated, I old XXXX late payment. I send TD Bank a Letter on XXXX XXXX XXXX and have not hear back from my request. ever time the bank take your credit line your credit score drop. I think it was an unfair treatment by the bank and they refuse say that they was wrong
Company Response: Closed with monetary relief

Timely Response

2017-09-30

MD

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: XXXX XXXX XXXX charged me a returned payment fee {$27.00} when I had money available in my account I checked my balance before phone ordering my payment and I had money in my account. Turns out that XXXX XXXX XXXX got paid twice and still decided to charge me a returned payment fee of {$27.00}
Company Response: Closed with explanation

Timely Response

2017-09-30

Magnolia, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED
Company Response: Closed with explanation

Timely Response

2017-09-30

East Rockaway, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: TD Bank XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX XXXX, 2017 at around XXXX the teller behind the counter stated the TD Bank branch which she stated was branch # XXXX had no one Hundred dollar bills. I was making a Checking Withdrawal of {$3800.00}. The teller stated her name was XXXX. When I requested to speak with a branch manager XXXX and Senior CSR XXXX stated none was available to speak to me. It is hard to believe a TD Bank store has no Hundred dollar bills available. It is hard to believe a TD Bank store has no Branch Manager available to assist customers.
Company Response: Closed with explanation

Timely Response

2017-09-30

Teaneck, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-09-30

Bellaire, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: POLICE REPORT WAS SENT TO ALL 3 BUREAU 'S VIOLATES HIPPA, CRA AND MY RIGHTS INACCURATE INFORMATION MUST BE REMOVED XXXX POLICE CASE NUMBER XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-09-30

Grand Forks, ND

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: This is in regards to Target XXXX XXXX. I made an online purchase XX/XX/XXXX for a XXXX XXXX. After my RedCard discount the amount came to XXXX. Later received an email stating my item was ready to pick up. On XX/XX/XXXX at XXXX my card was charged a second time. The boy at Customer Service said they were having an issue connecting to their online system so he ran the purchase through their register and assured me I was only going to be charged once. Later that evening I received a notification that my online order was picked up and account charged. I went online and found two transactions for one item. I immediately called Target Customer Service Line. There a man whose name I did not get assured me, I was not charged twice those were just transaction lines and I needed to wait for my credit card statement. They do n't double charge and I would only see one charge. When I logged in online in the middle of XX/XX/XXXX I saw the two lines were still there and sent a message through their website. I received a response asking for my transaction number. It 's then I realized my new statement had not posted so waited. When I received my email notification that my new statement was available I logged in and there were two charges for the ONE product I bought. I called their customer service line and kept telling my ordeal. Was finally informed the Dispute Department had closed and I 'd have to wait until Monday. I called again on Monday and eventually spoke to XXXX who assured me she saw what I was talking, apologized that it was n't taken care of and she could n't understand why I had the employee at the pick up counter run my card again. As if it was MY fault. I demanded this be resolved immediately as it had been a month with assurances and I better not get charged interest. XXXX explained she was going to get everything taken care of, not to worry, it would post within 24-48 hours. I explained that was great because then I 'm paying off the card, closing the account and not shopping at Target again. That was Monday XX/XX/XXXX. It is now Friday XX/XX/XXXX and I logged in to pay off the card as promised. The charges are still BOTH on my account. No credits. I called, spoke to Floor Supervisor XXXX employee number XXXX. She listened to my issues, placed me on hold and was supposed to transfer me to disputes. I was then told she could see where XXXX my Case Worker placed the request to remove a charge but it was up to the STORE to respond and take the credit off. They wo n't take the charge off without the store 's response. The store is located in XXXX XXXX, ND. So then I called the local store and asked for the manager. I spoke with XXXX who said I 'd " Like need to talk to XXXX cuz he 's like the manager of the whole front end. They 've never heard of such a thing with the store having to take a charge off a credit card ''. So I found out XXXX will be on shift at XXXX Saturday XX/XX/XXXX and the store opened at XXXX. XXXX took my phone number and name and I explained I would be at the store at XXXX with my receipt, the product and I would like credit for the over charge and return the product as I was done with these issues and Target. I then called the direct number for Dispute Department given to me by XXXX. The woman who answered took my information and transferred me to XXXX, I of course got voicemail. So I left a VERY terse voicemail that I was filing a complaint with you. I keep getting the run around. Surely Target has a sophisticated enough system to identify and admit I was charged twice for one item. Yet not sophisticated enough to actually provide the consumer with a credit after going around for a month, every person I talk to assured me I was n't charged or they were going to take care of it. Yet here I am a month later and nothing has been resolved. XXXX at the store even told me I had to call the credit card company to place the dispute. I found that ridiculous especially since I 'd already told her twice it was my Target RedCard and that the Dispute Department said they needed to take care of it at the store level. Of course, XXXX never contacted me to tell me they were placing the blame and responsibility back on the store. She 's blamed me, now the store. This is theft as they still expect payment from me, without resolving the charge and almost half my account balance is related to the dispute. I owe XXXX that includes the interest incurred on the TWO charges. The charge was XXXX twice. Nearly half my bill as stated. I am the victim. They are not actively doing anything to fix this issue. They like to use the term Guest rather than Customer, which I find ironic as no one I know would treat a guest this horrifically. I want this resolved and yet it appears as though Target does n't by their lack of response and empty promises. All they want is for me to pay them money. I even told them I was filing a complaint with the CFPB and they acted as if it did n't matter. Maybe they thought I would not follow through. I truly hope someone will do something about this and respond to me. I need someone to act.
Company Response: Closed with monetary relief

Timely Response

2017-09-30

Omaha, NE

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 non-monetary relief

Timely Response

2017-09-29

Lakewood, NJ

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
Company Response: Closed with explanation

Timely Response

2017-09-29

Chester, NY

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
Complaint: On XXXX XXXX I went to XXXX XXXX to possible purchase a vechile. XXXX XXXX never informed me they would be having other banking financial run my credit. Now I am trying to refinance my house and this is holding me back XXXX XXXX XXXX XXXX TD Bank- XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-09-29

Arco, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I have been making automatic payments on my auto loan with TD Auto Finance since I purchased my vehicle last year. My payments have always been on time and in full. The bank account from which automatic payments are drawn was compromised, so I had to change bank account numbers. I disenrolled in automatic payments prior to my XXXX 2017 automatic payment and instead made a one-time electronic payment for my usual amount of {$300.00} on XXXX/XXXX/2017, my usual payment due date. The payment was incorrectly applied to " principal only '' and not to the actual payment due. I have been assessed a late fee of {$15.00}. I do n't know why my payment was applied to " principal only, '' but that was not my intention. I asked that the payment I made on XXXX/XXXX/2017 be applied correctly and that the late fee be removed from my account. The customer service representative explained he could make the request to change the application of my payment and to waive the fee, but he was uncertain as to whether or not this could be done. He refused to give me the contact information of the people who would actually make the decision. I have attached two documents : 1. my bank statement showing an electronic withdrawal of {$300.00} posted on XXXX/XXXX/17 2. my TD Auto Finance statement showing the correct payment on the correct date incorrectly applied to " principal only '' and not to " payment ''
Company Response: Closed with monetary relief

Timely Response

2017-09-29

Smyrna, SC

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: I wanted to lease a safety deposit box with TD Bank. They forced me to open a checking account to do this. I did in XXXX XXXX and deposited {$210.00} into the account. An {$80.00} charge was taken out to pay for the safety deposit box. The balance should have been {$130.00}. As long as the account balance stayed above {$100.00} I was told I would not incur any fees. In XXXX XXXX an electronic transfer for {$66.00} was done against my account. I did not perform this action, but someone else must have hacked their system. I was unaware of this because I turned off paper statements because they were charging me a fee for that. Since I had no intentions of using the account, I had no reason to check online statements as my balance should have stayed the same. Once the {$66.00} transfer was done, the balance fell below {$100.00} and TD Bank took out $ XXXX in fees. Again, I was unaware of this because I was n't checking online statements. Today, XXXX/XXXX/XXXX, I received a letter in the mail that my balance fell below {$0.00} and I should correct it at once. This was the first time I became aware of any activity on the account. Once I found out, I called the local branch. An unhelpful lady without compassion told me about the {$66.00} withdrawal and the subsequent fees. She told me to come by in-person. Once onsite, I was told there was nothing that could be done since the hack occurred more than 60 days ago - not sure why I was forced to be in person to be told they could n't do anything. She also implied it was my own fault since I was n't checking the monthly statements. The Cust Service I received at TD Bank was horrendous. My money was withdrawn behind my back and I 'm told it was my own fault. I thought the bank was there to protect my money, not steal it???
Company Response: Closed with monetary relief

Timely Response