TD BANK US HOLDING COMPANY

2017-09-22

Smyrna, GA

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

2017-09-22

Ocklawaha, FL

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with explanation

Timely Response

2017-09-22

Rockaway, NJ

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2017-09-22

Eatontown, NJ

Getting a credit card

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

Sent card you never applied for
Company Response: Closed with non-monetary relief

Timely Response

2017-09-22

Asheville, NC

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Td Bank is not updating my bank status to the apps I have connected to my account. In particular, XXXX. I constantly have to reconnect the bank, and they almost never send reports to the app
Company Response: Closed with explanation

Timely Response

2017-09-22

PA

Incorrect information on your report

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

Account status incorrect
Complaint: Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.
Company Response: Closed with explanation

Timely Response

2017-09-21

Plattekill, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I opened a online checking account with TD bank. Other than routine disclosures that I could print off, I was not provided with a signature card or any additional disclosures regarding check holds or access to funds. They advertise that they clear checks in one day. I deposited a {$500.00} work expense check through mobile banking thinking it would be available the next day and instead they put a 12 business day hold on the check and did not notify me of this either at time of deposit or afterward. I would never had deposited it otherwise. I had to contact them to find out what was going on. Since it was my work expenses and I absolutely needed the money for work, I did something I never do and re-deposited the check in my other bank where it cleared overnight. I knew that it would bounce back to TD and I would have to cover it, but since they had never notified me of their additional hold policy it was really their fault. As I thought, the check bounced back to TD. I had my wife go in on XX/XX/XXXX and deposit a {$2500.00} check to cover the amount that bounced back and show my good faith by putting additional money in. I found out after that deposit that once again they had put a 12 business day hold on the check, that once again I was not notified of at time of deposit nor afterwards. I went in to close the account out and even though the funds were showing as completely available via their website and mobile app, that was when they told me there was a hold on it. They told me I could not access it until after XX/XX/XXXX. I inquired with the bank the check was written from and informed that the funds were transferred to TD bank on XX/XX/XXXX. I just inquired today with thier online banking department if the hold was released and I could come in and close out the account and was informed that the hold is still on my funds. I am very irate. Especially since none of these holds or polices were ever communicated to me either by teller, email, text, nothing. TD was also upset because I did n't have a signature card, well they never sent me one to sign!!!! How is that my fault? They blame thier ineptitude on me and call me suspicious. I think what 's suspicious is thier business practices or lack of them. I just want to close out my account and get my money back and I ca n't even do it after they have had my money for almost a month.
Company Response: Closed with explanation

Timely Response

2017-09-21

Philadelphia, PA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-09-21

Ny City, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I had an issue with TD Bank regarding overdraft fees I was charged on my account for transactions that occurred throughout the weekend of XX/XX/XXXX - XX/XX/XXXX. I had an influx of expenses that weekend so I was being extra cautious in monitoring my account. Now I was continuously checking my balance and putting money into the account ( an excess of {$300.00} ) throughout the weekend to make sure that there were sufficient funds to cover the charges. As I continued to check the account, the available balance continued to remain positive. I was even budgeting for tips on restaurant receipts. Come Monday morning my balance was still positive. Same thing Tuesday, except it was even higher than the previous day 's balance due to a cash deposit of {$44.00} that cleared Monday morning. I was under the impression everything was fine. I even went so far as to put {$10.00} on my XXXX on Tuesday card because everything was all settled out at this point. It was n't until Wednesday ( XX/XX/XXXX ) that I was made aware of these fees/went back to see the order in which everything " posted. '' You can imagine my confusion as I was checking the account incessantly all weekend to avoid this very problem. I do n't understand how my available funds could not once have reflected a negative balance. I was completely unaware of this until was hit with {$70.00} in transaction fees. It was at that point my balance was negative {$52.00} ( which is indicative to me the account balance was positive before those fees were applied ). The point I 'm trying to make is the funds were technically in the account and I was very conscious in making sure they were. The account was only " overdrawn '' because of the order in which TD books the transactions.I also do n't understand why cash becomes available for use immediately, but then becomes time sensitive relative to the posting of transactions. If the money is there it should n't be an issue. I feel that there is a severe lack of transparency here. When I called to address the issue with the young lady from TD bank, I explained how I was extra cautious in monitoring the account over the weekend for this very reason and that I never once saw the balance go negative. She attempted to explain to me why I was charged overdraft fees when I did n't actually witness said overdraft fees, highlighting that it is somewhat " misleading '' the way I am able to view what is available relative to what is pending and what is posted. " MISLEADING '' - her words, not mine. I 'm incredibly frustrated that I monitored the account so incredibly closely to avoid a {$35.00} overdraft fee and I 'm then hit with two of them. She then proceeded to tell me that chances are I 'd be charged another overdraft fee for the XXXX charge on Tuesday. So it is my understanding that I would be over drafting on overdraft fees. It 's almost like they 're looking to maximize the amount of money they can get out of me in terms of fees based on the manipulation of " timing '' of transactions when there are actually sufficient funds present. Personally I feel that the account is never technically overdrawn, it 's only overdrawn " on paper '' because of how TD books the transactions. ( I was an accounting major, I know as well as anyone you can manipulate financials to look however you want them to ). I was simply trying to do the right thing in making sure there were enough funds to cover all of my expenses, yet I 'm still charged an exuberant amount of money based on the times of things posted. I 'm a hard working XXXX XXXX XXXX working and going to school part time. I try my hardest to get by, but how am I supposed to get ahead when I 'm paying these astronomical fees. I honestly feel l like that money was wrongfully taken from me. I get it 's the " bank 's policy '' with respect to timing or whatever, but it 's wrong and these fees are egregious. I feel as though TD is taking advantage of me as a consumer and after dealing with this one too many times I will absolutely be moving my business entirely to one of the other banking institutions I currently deal with where this is n't an issue. Also let 's just note that this is a student account, nice to know they take advantage of students like this.
Company Response: Closed with explanation

Timely Response

2017-09-21

Grand Junction, CO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-09-20

Heathrow, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On or about XXXX XXXX, 2017 I applied for a Loan with XXXX XXXX XXXX XXXX. This Company Deposited Cash into my account so I tort. Found out later that it was personal checks by Phone into my account. I wrote TD Bank about this matter and there VP Investigator XXXX XXXX XXXX Replied to me in this matter Sense you gave your infomation to this lender you are held responsible for these checks because It 's your Bank account. " WOW '' Let me brake it down one more time to XXXX in steps 1 ) Cash Deposit is available RIGHT AWAY 2 ) EFT Deposit is available RIGHT AWAY 3 ) Government and Company Checks are held for 2 to 3 Business Days 4 ) Personal Checks are ( HELD AND CHECK TO MAKE SURE THE ISSUING BANK HAVE THE FOUNDS TO COVER WHAT IS WRITTEN ON CHECKS ITS ONLY AFTER THAT THE FOUNDS WILL BE RELEASE INTO YOUR BANK ACCOUNT. With in 5 to 7 Business Days. Confermation # with TDBank is XXXX the amount cease by this Bank is over {$3800.00} Dollars Pluse pain and suffering and the taking my sons XXXX Check
Company Response: Closed with explanation

Timely Response

2017-09-20

Harrisburg, PA

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Company Response: Closed with non-monetary relief

Timely Response

2017-09-20

Ft Belvoir, VA

Managing an account

Checking or savings account: Checking account

Cashing a check
Complaint: XXXX/XXXX/XXXX US Treasury Check ( # XXXX ) for {$12000.00} was issued to me XXXX/XXXX/XXXX I deposited the check in TD Bank XXXX ATM ( XXXX # XXXX ) XXXX XXXX XXXX XXXX Later TD Bank told me that the check couldnt be cashed due to endorsement issue I requested TD Bank to return the check. But TD Bank told me several times that the check can not be returned due to their bank policy. It took me months to contact IRS and US Treasury Department to find out that someone in TD Bank has cashed the check.
Company Response: Closed with explanation

Timely Response

2017-09-20

Bronx, NY

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2017-09-20

Rochdale, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: Charging me XXXX dollars for not having money on my bank account I recently lost my job and my account dipped below XXXX for a day and I was charged making it hard to make ends meet XXXX they ( TD bank ) are blocking me from using 3rd party apps from accessing my financial information MY INFORMATION
Company Response: Closed with monetary relief

Timely Response

2017-09-20

Gulfport, FL

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2017-09-19

Denville, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2017-09-19

Flushing, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2017-09-19

Atl, GA

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

2017-09-19

Firestone Park, CA

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

2017-09-19

Fairfield, CT

Wrong amount charged or received

Money transfer, virtual currency, or money service: International money transfer

Company Response: Closed with non-monetary relief

Timely Response

2017-09-19

Brooklyn, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-09-19

Macungie, PA

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2017-09-18

Hi Nella, NJ

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Company Response: Closed with monetary relief

Timely Response

2017-09-18

Hollywood, 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
Complaint: I contacted TD Auto Finance on XX/XX/XXXX and asked them why they accessed by credit file on XX/XX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization they transferred my call around and I got no reply.
Company Response: Closed with explanation

Timely Response