TD BANK US HOLDING COMPANY

2017-09-05

Bloomfield, CT

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

2017-09-05

Ft Lauderdale, FL

Problem when making payments

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

Problem during payment process
Complaint: I went into a branch on X/XX/17 and made a CASH payment with a teller. My payment processed on X/XX/17, however my available credit has not changed. According to the representative and then supervisor I spoke with this morning, they are still verifying my payment. They said it is still pending and the hold will drop tomorrow, unless they contact someone at the branch and verify. I waited for them to call, but nobody at the branch answered the phone. They take 9 days to verify cash transactions? They also did the same thing when I made a deposit through the atm into my checking account. I had to call and wait, and then go through verification that a deposit of CASH was made. They are sitting and holding peoples money.
Company Response: Closed with monetary relief

Timely Response

2017-09-05

Brooklyn, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Complaint: I had a account With TD Bank and when I would get My check Direct deposit some of my check was missing things did n't add up. When I spoke to A Representative t try a straighten out no one was no help.I was of money my rent was back up because of it that happening to me. Then they said I had a lot of drafts which I did n't. So I stop using TD Bank
Company Response: Closed with explanation

Timely Response

2017-09-05

No Haven, CT

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-04

Green Bay, WI

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: In XXXX I notified target credit card that there were multiple same day purchases. The first person I spoke with, XXXX, was nice and went over items and removed all the items that we did not purchase. A fraud person at target credit cards put all the charges that XXXX had removed back on my card and added finance few and late fees and never notified me that she put the charges back on. Since then I have called XXXX only to get hung up on and told I had to have made these purchases and they refuse to do anything!
Company Response: Closed with monetary relief

Timely Response

2017-09-04

Bossier City, LA

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

2017-09-04

Arvada, CO

Incorrect information on your report

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

Account information incorrect
Complaint: I paid my bill on time using a company 's online website. They showed that i made the payment on time but then the payment was never received and they now have a 30 day late pay on my account. This company is also always misreporting my account balances to the 3 credit bureaus as being higher then what they should be.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-04

West Brandywine, PA

Trouble during payment process

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

Complaint: Consumer HELOC opened XX/XX/XXXX on residence with XXXX XXXX XXXX with a rate of XXXX XXXX XXXX + 0 % starting at 3.25 %. A relationship discount of 0.25 % was active for a relationship banking account ( Checking & Savings ). I just noticed rate has increased the past few statements as XXXX XXXX has increased which is appropriate. I am no longer noticing my relationship discount of Prime - 0.25 % as indicated in my loan contract with TD Bank even though I am eligible for this discount having both checking & savings account. Last statement received rate was 4 % and prime rate was 4 % hence no discount applied. I was concerned that for this statement and many others I have been being overcharged so I emailed TD Bank for a response on XX/XX/XXXX. I was contacted by 3 individuals within the coming days to let me know that an answer was on the way, but no answers provided. On XX/XX/XXXX I received a USPS mailed letter response from XXXX XXXX of TD Bank explaining that my rate was correct at 3.25 % (??? ) and I was not being overcharged. She additionally told me to pay my outstanding balance which at that point was already paid with 20 days to spare. The letter was clearly inaccurate as she stated my rate at 3.25 % and she was not properly informed on the situation. I contacted XXXX XXXX, Consumer Loan Department, of XXXX XXXX XXXX on XX/XX/XXXX asking for assistance on this situation and still no response as of XX/XX/XXXX. I have received a leter from XXXX XXXX also explaining that all is well which is also incorrect. XXXX 's letter told me to " feel free to reach out to her '' which I have done 3 times over the course of 1 month with no response. I am concerned that TD Bank is not billing me as agreed upon in our HELOC agreement and I may be overcharged on this month 's statement and many others. At this time I am only requesting a educated response from TD Bank and 3 months later and 6 people have not been able to provide. Any support / feedback on this issue would greatly be appreciated. Thank You.
Company Response: Closed with explanation

Timely Response

2017-09-04

Bonaventure, FL

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2017-09-03

Great Notch, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-09-03

NJ

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: My ex-fianc and I share a joint checking account with TD Bank. We are no longer together, and I need to remove my name from the joint checking account. On XXXX XXXX, 2017 I went to a local TD Bank branch and requested for them to remove my name. The customer service rep told me the only way to remove a name is if the account is closed completely or I XXXX. This rule is the banks internal protocol and not a federal mandate. My ex-fianc has had this checking account since she was XXXX years old, and her direct deposit and numerous automatic payments are set up with this account. At this point, it is easier for me to die than her to close the account and redo all her things.
Company Response: Closed with explanation

Timely Response

2017-09-02

VA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: To Whom It May Concern, I am consistently getting charge a paper statement fee on my business checking account. I worked with TD Bank customer service department to assist in removing these paper statement fees, whereby I keep on experiencing " website '' issues via TD Bank online. Every time I login, I received a message stating that website is under going maintenance issues. It is impossible to sign up for online statements. I believe that TD Bank purposely preventing its consumer from signing up for this option. Many of its customers will NOT stay on the phone for a representative ( 30 minutes or longer ). Consumer Financial Protection Bureau needs to investigate TD Bank whereby I strongly believe it violates federal consumer laws.
Company Response: Closed with monetary relief

Timely Response

2017-09-02

CA

Trouble using your card

Credit card or prepaid card: Store credit card

Can't use card to make purchases
Complaint: Last year around XXXX 2016, Nordstrom out of nowhere froze my credit card with them. I have tried every attempt to contact them through their online messaging center and through phone. Every single time I message, they do n't give any answer other than to call them. Every single time I call them, they do n't tell me why my account is frozen, and do n't tell me what I can do to unfreeze it, do n't tell me who I can talk to or call, and they never call me or follow up to continue the conversation so that I could reach a resolution.
Company Response: Closed with explanation

Timely Response

2017-09-01

Brisas De Canovanas, PR

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: Hi, This week I try to open a bank account in XXXX XXXX were I live. The bank consultor told me that under Social Security number is an account open in a bank called TD Bank in the United States, with a negative amount XXXX {$36.00} XXXX. I never live in the United States niether known from this bank. I called TD Bank and they ca n't explain me what account is, but when they search for my information my name shows up. All I know is that there is somebody using my Social Security and name in the United States.
Company Response: Closed with non-monetary relief

Timely Response

2017-09-01

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Closed with explanation

Timely Response

2017-09-01

Boca Raton, FL

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2017-08-31

New Sharon, ME

Struggling to pay mortgage

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

Company Response: Closed with explanation

Timely Response

2017-08-31

Bronx, NY

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
Complaint: I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due X/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Company Response: Closed with monetary relief

Timely Response

2017-08-31

Dallas, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2017-08-31

San Jose, CA

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2017-08-31

Batavia, NY

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2017-08-31

Berkeley, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2017-08-30

Beachmont, MA

Fees or interest

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

Charged too much interest
Company Response: Closed with non-monetary relief

Timely Response

2017-08-30

Edgewater, FL

Closing an account

Checking or savings account: Savings account

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

Timely Response

2017-08-30

Three Bridges, NJ

Fraud or scam

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

Complaint: In continuation of complain XXXX, I submitted a complain to CFBP, and I am confused that TD has closed my complain without resolving it completely. TD failed to either deliver the funds to benificery nor do they refunded it to me. No confirmation were provided by TD about the availableity of funds. Unfortunately, the funds are still not available to the benificiery and TD has closed the complain without a complete resolution. I have been working very actively on it as always. What I could learn that TD has opened up a recal which limits the availability of funds to the befinciery and even at lapse of 2 weeks they could n't cancel those re calls.
Company Response: Closed with explanation

Timely Response