TD BANK US HOLDING COMPANY

2017-08-30

Odell, OR

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Company Response: Closed with explanation

Timely Response

2017-08-30

Philadelphia, PA

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2017-08-30

Wallington, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I was victim of fraud but TD Bank is treating me like I was the perpetrator instead of the victim. I fell for an elaborate scheme that promised work from home. I cashed a check that cleared. I have learned the hard way clearing does n't mean the money has been verified. Days later TD Bank said the check was fraud but the money was withdrawn and paid to the " employer '' for equipment to work at home. Now it is my responsibility says both banks involved. TD has shown their true ways of business by caring more about themselves then their customers. I 've been a customer since it was called XXXX XXXX. This is my first issue and they treat me like garbage. I have called and called dozens of times and not one person has called me back. They promised to work with me because my direct deposits go to the bank and they would help by setting me up with a payment plan so I can live and also pay them back for being a victim now the responsible holder of {$3400.00} check. Not only have they lied to me about helping me. After calling so many more times, hey have applied my full paycheck to the amount owed and now tell me they wo n't help me by giving me any money but to add insult to injury they wo n't allow me to open another account without paying off " my debt '' to them. They also decided to pour salt in the wounds and " blacklisted '' me and have prevented me from opening up any other account with ANY bank. I am by far disgusted by this treatment and will not stop until some action is taken against the bank or have been provided with some assistance. Disgusted!!
Company Response: Closed with non-monetary relief

Timely Response

2017-08-29

Boston, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: TD bank manger is sending me handwritten envelopes with letter threatening to close my account, harassing me by telling me not to write checks or use my debit card. I called the customer service number 2 times and was told there was no record of my complaints. I was also told the mangers manger would call and this was also a lie.
Company Response: Closed with explanation

Timely Response

2017-08-29

Eatontown, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2017-08-29

Arco, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: There is a fraudulent account reporting closed on my XXXX file. It seems to be a credit card from Nordstrom/TD Bank. I have never applied for this account. I have filed an Identity Theft Affidavit and disputed it 3 times with XXXX. The account still remains showing on my credit report. I am tired of disputing it. Please help me get this removed. It shows account closed. There seems to be no charges on it. Please help.
Company Response: Closed with explanation

Timely Response

2017-08-29

Franklin, NH

Problem getting a card or closing an account

Credit card or prepaid card: General-purpose prepaid card

Trouble closing card
Company Response: Closed with explanation

Timely Response

2017-08-28

Van Nuys, CA

Incorrect information on your report

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

Account status incorrect
Complaint: my accounts nordstrom account number XXXX date opened XX/XX/XXXX and XXXX XXXX account number XXXX date opened XX/XX/XXXX, are reporting one late to credit reporting agencies. which are inaccurate, so please have these inaccuracies removed especially when i have the creditors letters as approval to do so. thank you for your cooperation please find attached the creditors letters.
Company Response: Closed with explanation

Timely Response

2017-08-28

Credit monitoring or identity theft protection services

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

Billing dispute for services
Company Response: Closed with monetary relief

Timely Response

2017-08-28

Orion Twp, MI

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2017-08-28

Westboro, MA

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

2017-08-28

Grover Beach, CA

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

2017-08-28

Cockeysville, MD

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
Company Response: Closed with monetary relief

Timely Response

2017-08-27

NJ

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Problem with balance transfer
Complaint: I did a balance transfer from XXXX to payoff Nordstrom. The balance transfer check was received on XXXX making the balance " XXXX '' but Nordstrom still charged interest, which posted the day after the payoff and as of XXXX I am still showing {$2000.00} plus balance. I sent a message asking to revert the interest charge of {$39.00} and to close my account.
Company Response: Closed with monetary relief

Timely Response

2017-08-27

Plattekill, NY

Trouble during payment process

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

Complaint: Hi, my name is XXXX lent and I have a serious issue with td bank and my home equity line of XXXX received the loan account number XXXX on XX/XX/XXXX.everything was well until XXXX, XXXX and XXXX of XXXX and here is what happened, I noticed on my XXXX statement that my account was in arrears, I called td bank customer service XXXX to find out what happened, and together we figured out that the branch were I got the loan had closed, and my payments were never forwarded to the proper place.so I understood and remade the payments with a check from my ready cash loc from my personal institute, hvfcu.i was told all fixed, but then on my next statement it said I was still behind, so I called again this time to be told they do n't take checks from a line of credit? what is going on they do n't know there own policies.paid again with my debit card and received a new address to send my bill pay payments which I use for all my bills including this XXXX from the start.i have proof I 've never missed a payment.bank statements to prove it.all was good until XXXX XXXX when a loan XXXX called to say I needed to refinance this loan for the next XXXX year draw and interest only pay period, well thanks to td bank I was reported to the credit bureau that I missed these payments and could not refinance.wich I was never made aware of, I was told it was a XXXX year draw and interest only loan.now the payment went from XXXX to XXXX and by the way we raised your interest rate to XXXX percent from XXXX. I have made several attempts to resolve this over the phone and in person. I was even told I was not a customer by a mr.dewight gillens of the XXXX, XXXX, ny XXXX and was told to leave he would not look at my statements.also was giving a name and number of someone who I was told was handling this case, XXXX crow phone # XXXX whom has never once answered my calls or called me back.please help me, save my home from this obvious predatory lending.next step is a lawsuit with the help of my attorney XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2017-08-27

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: I disagree with my TD bank decision to freeze my account for the following reasons and as a relief I pray that the Government will issue an order to unfreeze my account and have all funds returned to me to the previous amount with all applicable interested accrued for the following reasons : ( I ) The Bank failed in its contractual obligation to protect me as its customer based on clear and convincing evidence that the allegations of fraud filed against me are FALSE. The facts underlining the case to prove its a false claim are as follows : On XX/XX/XXXX I signed the one year- leasing agreement of with landlord, XXXX XXXX , to rent an apartment. Some time around XX/XX/XXXX I made an oral agreement with the landlord at LANDLORDS REQUEST, where we both agreed that I will leave his apartment as soon as I get the new one and he will refund me money for the last month rent and the security deposit. The one month rent was supposed to be {$2500.00} and the security deposit is supposed to be {$2500.00}. On XX/XX/XXXX the landlord refunded me {$2500.00} for security deposit and {$1800.00} for the one month rent, which was prorated, because I agreed with him that I will leave on XX/XX/XXXX instead of XX/XX/XXXX. The entire total refund was {$4300.00} and it was issued to me by the landlord using his check from XXXX XXXX. Landlord himself signed the check in my presence and issued to me in hand on the street. The landlord asked me to leave, even though I didnt have to, because he received a fine from XXXX XXXX XXXX Buildings Department for violating municipal statute of working without City-issued permit. He begged me to leave because he did not want to get any further violations from the XXXX XXXX XXXX Building Department. I felt bad for him and thats why I decided to voluntarily depart. On and around XX/XX/XXXX I discovered that my account has been frozen. I went to TD Bank Branch on same day and I was told the reason for my account being frozen because of the fraud investigation regarding the check that was signed and issued to be by landlord. To support the investigation, I provided the following documents to the TD Bank investigator XXXX ( XXXX ) XXXX, who assigned the case # XXXX, and his tel # ( XXXX ) XXXX : ( 1 ) copy of my one-year leasing agreement ; ( 2 ) general receipt # XXXX, which was dated XX/XX/XXXX and signed by me at the direction of the landlord to affirm that he paid me {$4300.00}. Such documents were provided to him on or around XX/XX/XXXX. TD Bank could have already closed this investigation because the signature on the check is the same landlords signature that appears to be on the leasing agreement. Moreover, I have witnesses that know that the landlord must refund me the money. At this point it should be clear and convincing evidence that the check issued by the landlord was legitimately signed. Moreover, from rational perspective, if the landlord claims fraud, how is it possible that I acquired landlords checkbook? Did I rob him, or make him signed under some duress, such as at gunpoint? It just makes no clear sense from reasonable mans perspective that the landlord reported fraud to a check that he himself signed willingly and voluntarily. The moment that the Bank investigator received all the clear and convincing evidence, thats when the Bank should have unfrozen my account ( II ) The Bank failed to investigate in timely manner. As I mentioned in my first clause, the Bank should have immediately unfreeze my account the moment the Bank received clear and convincing evidence. ( III ) The Bank violates my constitutional rights because it freezes my assets WITHOUT any government or Court order. I rely on the funds on this account not only to pay my bills, but also to get money for my basic needs, such as food and clothing. Thus for a bank to freeze my assets without government warrant or Court order would be unconstitutional. ( IV ) The Bank failed to file charges against the landlord for false reporting and fraud. The motif of the landlord is clear : he wanted to get the money back because the easiest way to get money back is by claiming fraud. Additionally, he really needed to get the money because he is probably paying fines to the City and his defense attorney. I ask that the TD Bank agrees to unfreeze my account, OR I will ask that your governmental agency intervene and compel the Bank to do so. If the Bank will not voluntarily comply with my request to unfreeze the account and pay applicable accrued interest, then I will go to New York Supreme Court and will file the case against the TD Bank and against the landlord. The relief I will be asking from the Court would be the following against TD Bank as a primary defendant : ( 1 ) An injunction compelling the TD Bank to unfreeze my account ; ( 2 ) Provide an applicable accured interest ( 3 ) Provide the attorney fees ( 4 ) Punitive damages for violating my constitutional right of freezing my account without government order or Court order, thus depriving me of funds to pay for my basic needs ( 5 ) Any excess money owned as a result of late and missed payments for needs, such credit cards, rent, car payments, utility bills, etc because this is my PRIMARY ACCOUNT ( for example : because of missed payment due to account being frozen, I incurred late fees and interest on my credit account. ) The relief I will be asking against the landlord will be as follows : ( 1 ) {$4300.00} plus court interest ( 2 ) Attorney fees ( 3 ) Punitive damages for common law fraud and applicable statutes that deal with fraud I hope that the Bank will take my complaint seriously and will resolve the issue civilly before I proceed to litigation as the next step.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-27

West Brandywine, PA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I travelled to XXXX XXXX XXXX XXXX for one evening. I went out to dinner with friends and used the ATM machine twice either at the restaurant or ATM machine my card was skimmed. THe perpetrators were able to use my PIN and withdraw funds from multiple locations within minutes of each other. At the time these transactions were taking place I was on a bus back to the airport. ALl supporting dicumantation was given to the bank manager. Originally my claim was denied, one purchase was blocked but was then approved on the second try. The bank has not contacted me when I asked to escalate to a supervisor and no transaction or other records have been forwared to me as requested. My account have always been in good standing and this is a business account. I flew out Saturday and back to XXXX on Sunday, my flight left at XXXX XXXX and I supplied a bus ticket receipt for XXXX departure. I notified the bank the very next morning but they said they could nto do anything becasue the cahrges were still pending.
Company Response: Closed with explanation

Timely Response

2017-08-26

Smyrna, SC

Problem getting a card or closing an account

Credit card or prepaid card: General-purpose prepaid card

Trouble getting, activating, or registering a card
Company Response: Closed with explanation

Timely Response

2017-08-25

NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XXXX XXXX, 2017, a charge in the amount of {$1900.00} was made to XXXX XXXX XXXX 's account from XXXX XXXX. This was not an authorized charge, we have not done any business with them, and do not know who they are. I called TD Bank to dispute the charge and was told that the matter would be resolved within 2-3 days. I then called back only to be told it should take 7 days. After that period, I contacted the bank again, and after being transferred to supervisor, I was informed that they will not be able to reverse the charge since it was reported more than 24 hours after posting. This is very unusual to hear, as they are stating that you basically have to be chained to a computer to check bank statements on a daily basis. I have never experienced such poor protocol and service from financial institutions in the past. They are effectively saying that if I 'm away for a few days and someone processes an unauthorized charge, I have no recourse. When I asked what can be done to prevent this from occurring again in the future, the supervisor responded, " Nothing. '' This is completely unacceptable, for a bank to tell their customer that there is no safeguard in place to prevent someone who happened to get our account number, whether from a check or from some other document, to just be able to go and drain our account. If I do n't catch it within 24 hours, I 'm out of luck according to XXXX. Afterwards, I 've contacted the merchant directly to see what can be done. The merchant stated that they though it was a strange transaction because it was done very fast, the customer picked the best tier package, and the location was for a low-income area, which is inconsistent with similar orders. He nevertheless proceeded with the transaction. Both me and the owner of XXXX filed a police report. XXXX claimed that they ca n't return the funds because then they will be at a loss, and that I should pursue the issue with my bank. As it currently stands, I 'm out almost XXXX XXXX dollars, and my bank is refusing to reverse the charge on the basis that it was reported more than 24 hours afterwards. I have never heard of such a policy, and do not believe I ever signed any documentation stating such a policy. In all my experience with financial institutions, I 've had a month or more to dispute charges. Not everyone checks their transaction history online, some still receive paper statements, so I can not understand how such a policy is even legal. Thank you for your attention to this matter.
Company Response: Closed with explanation

Timely Response

2017-08-25

Winston Salem, NC

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: On XX/XX/XXXX I sent a registered letter to TD Auto Finance registering a dispute about the account they have listed on all 3 credit monitoring companies. I disputed two things ; first a 30 day late and the second as the account was charged off. I asked for validation bearing my signature showing that I even had a contractual obligation to them. I did receive a response from them with some signatures that were copied but could not be verified. That letter did not list my obligation to them as I have never signed an agreement with them for payment for anything. On XX/XX/XXXX I sent a second letter, again disputing their reporting to the credit bureaus with the same result. Neither time did they list with the credit reporting bureaus that this was in dispute which is in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Agency.
Company Response: Closed with explanation

Timely Response

2017-08-25

Jupiter, FL

Wrong amount charged or received

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

Complaint: OnXX/XX/XXXX I visited TD Bank branch in XXXX XXXX XXXX to complete international wire transfer. Employee XXXX was assisting me, I specifically requested the funds ( USDXXXX ) to be transferred in USD, while performing the task, XXXX XXXX me that the funds " switched to CZK '' when I asked why, he stated he did not know, I told him again, I really want him to transferred in USD, he replied that it would transferred to CZK and asked if I want the transfer to be completed or not ( misleading me to believe that the XXXX bank may be the issue, and there is nothing he can do ). As I was led to believe that there is no other way to complete the transfer than in CZK, I agreed. By this exchange transaction, I immediately lost approx XXXXUSD, resulting in further loss of another XXXXUSD when the funds had to be transferred back to USD in the bank in XXXX. Since I was led to believe that this was XXXX bank issue ( and not TD ), we contacted the bank and was advised that the transfer was incorrectly performed by TD. When I contacted the TD branch, I was advised by the assistant manager XXXX, that the funds can be easily transferred in USD, that the system is just " a little tricky '' and if the funds are converted, you have to exit the transfer and start again. When I contacted the manager of the bank, she was rude, uncooperative, and when I met her in person and spoke to XXXX, he was lying about " offering me to exit the transfer and re-start the transfer in USD '' ( which he certainly did not, nor was he probably even aware of the issue at the time of the transfer, and it was exactly what the assistant manager advised me prior, and I repeated to the manager when I talked to her on the phone earlier that day ), he said that I was fine with transfer in CZK that I really did not care ( not true ), and the manager advised me since I signed the transfer form, there is nothing she can do for me. I wrote letter to TD Bank corporate office in attempt to resolve this issue, but never heard back. I am deeply disappointed and concerned with TD process and unwillingness to address this issue. The transfer fee was XXXXUSD ( which would be all I would pay ), however, by the incapability of their employee and/or defective system, TD instantly gained additional approx. XXXXUSD by converting my money to foreign currency. It certainly raises a question how often this happens ( I doubt I am the only one who experience this issue ), and if TD is aware and just does not want to correct this issue ( there certainly was not any effort on TD side ).
Company Response: Closed with monetary relief

Timely Response

2017-08-25

Key Biscayne, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: On XXXX XXXX, XXXX a payment of {$2300.00} from an insurance cancellation was applied to my account. I printed out a copy of my account summary that showed my next billing date was XXXX/XXXX/XXXX for the amount of {$160.00}. On XXXX/XXXX/XXXX, I made a payment so my next due date would be XXXX/XXXX/XXXX. My account summary continued to reflect a XXXX/XXXX/XXXX due date up until today, XXXX/XXXX/XXXX. And the system change the due date on XXXX XXXX one day before XXXX/XXXX/XXXX showing I have a payment due on XXXX/XXXX/XXXX for {$340.00}. I contacted customer service and the representative was n't able to help. She only offered an extension to the due date. I did n't need an extension. Had the system not showed my next payment was n't due until XXXX/XXXX/XXXX, I would have continued to make the payments on time like I have done for the past 2 years.
Company Response: Closed with non-monetary relief

Timely Response

2017-08-25

VA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: For my account # XXXX, TD bank decided to close it for no reason, I am unsure why and the representatives I spoke to ; XXXX XXXX in security and then XXXX XXXX ( who swore at me and called me a profane name ) refused to assist me. In addition, TD bank sent a check without my permission for {$19000.00}. I tried to stop payment and they refused to. Now I am in the hole financially.
Company Response: Closed with explanation

Timely Response

2017-08-24

FL

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: TD Banks also referred to as XXXX XXXX for XXXX XXXX : 1. Called a year ago after getting late notice and late fee and were told our payment was late but no explanation as to how it was late as my wife pays the bill same amount same time always. They waive the late fee without explaining how it was late. 2. Fast forward to now and we get a collections notice and 4 late fees that are payment is behind. 3. Call customer service who identifies that the payment has been going to the wrong address for some time, and they forward to the correct address, but still charge late fees. 4. We correct our bill pay address since we did n't know it changed, requested Customer Service or Collections to waive those 4 late charges ( {$39.00} Each ) as the payment was clearly always bill paid on time in the same amount and was in the hands of the company until they forwarded it again therefore making it late. 5. Request was denied by both customer service and collections even after explaining situations, purchasing a new bed with the same account, and both requests were denied.
Company Response: Closed with monetary relief

Timely Response

2017-08-24

Phila, PA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response