TD BANK US HOLDING COMPANY

2019-09-14

Carver, MA

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

Credit card or prepaid card: Store credit card

Their investigation did not fix an error on your report
Complaint: I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. How come that XXXX reports multiple CO in 24 months yet XXXX is all OK? Also different dates declared in Date last active. This is a shady report. Please re investigate or remove this from my credit file.
Company Response: Closed with explanation

Timely Response

2019-09-13

Aventura, FL

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-09-13

Sandy Hook, CT

Fraud or scam

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

Complaint: XX/XX/19, {$460.00} - rental scam. I found a rental on XXXX XXXX in XXXX that was available. They asked if I could send payment through XXXX. I never heard of it. As soon as I looked it up it was actually part of my TD Bank app. I felt more comfortable knowing this since it was part of my TD Bank that this is a trusted site and my bank is aware of the person I am sending the money to. If they didn't know who uses XXXX they would not have them as part of a money transfer company on their app. Even when I typed in the email the person provided, the app was like you mean " XXXX '' because I typed in the email which had XXXX. I trusted TD Bank to protect me as their customer. As soon as I realized I got scammed ( in front of the rental that did not belong to them ), I called TD Bank to stop payment. They said they could not help me that it needed to post first. How could my bank let this happen to me. They are there to protect their customers. I guess it's not their money so they didn't care. We went to the police station right away to file a claim because now we don't have the money or a rental ( took us 5 hours to get there from where we live ). We had to scramble and try to find a rental which was not in our budget but we had no other option. Upon returning home, I called TD Bank and filed a claim. I was told that this would be taken care of and she apologized to me and said I would be credited back the money. She told me to get the police report and fax it to them. Two weeks later I was able to get the police report and faxed it to TD Bank. Three weeks go by and I still haven't heard anything. I called them today and they said there's nothing they can do. I told them it's their fault because I trusted their site and why would they have apps on their site that were not verified. They make me go through hoops when I'm out of town but yet they let anyone set up fake accounts and transfer money??? They are supposed to protect their customers but this is not the case. He rep told me to go to law enforcement and see what they can do for me. I already filed a claim with the MA police department as soon as this happened. This is ridiculous! I will no longer be doing business with TD Bank since they do not protect their customers from fraudulent transactions. That app should not be associated with their site at all if they can't verify the customers that use it.
Company Response: Closed with explanation

Timely Response

2019-09-13

South Florida, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: This is in reference to unauthorized purchases made at a XXXX in XXXX XXXX and a unknown location in XXXX XXXX ; the cases as seen in the attached rejection letters ; firstly, these cases were handled unprofessional from the start as the employee at the bank who opened the original cases should have deduced that they are related due to the fact that they took place half an hour apart and Im disputing both ; then issued one case number or at least make a notation that they ae related so as not waste time and allow a proper investigation. Anyway, a few day later I noticed I received a temporary credit for the lesser amount of {$100.00} but not the other for {$1800.00} ; I spoke to an agent about this and was told that the claim for the {$1800.00} was rejected for three reasons she saw listed ; which I wrote down and wrote a reply to, please see attached document titled reply to first rejection. I called the bank for a third time and ask why I was given a temporary credit for the {$100.00} and was told that my pin was entered wrong before the correct one was entered, to which I explained that the same should be considered for the transaction for {$1800.00} as it had to be the same person ( s ) I was then told that a representative from the bank would call me to discuss this further. When I received the call from the bank ; I appears to be more of a personality test rather than for clarity or additional information as I told her that both cases are related and a previous told me that there was a failed pin attempt on the smaller amount and so it should be applied to the other ; she then checked and said she did not see that in her records and in that case they will have to reverse the temporary credit for the {$100.00} as well, its as if she didnt even know about the smaller amount and someone had deleted some information and she made a split second decision to take back that credit. I then further told her that I had replied to the reasons stated for the first rejection, she then told me that is not necessary as her main concern was how did they guessed my pin number? To which I replied I dont know. I further told her that I am going to get a police report for them to pull the camera footage of the purchases and she told me that at this time a police report may not help, so after submitting that said report case number my claim was again rejected for the third time. Please see police report cards both on one page in the attached files. Furthermore, the last time I went to the bank one of the employee told me that perhaps one of the reasons they might be giving me such a hard time is that I have quite a number of claims before, but these are not related as they are purchases I made from XXXX XXXX related to goods I did not received or damage good, also some of the temporary credit issued to me from those disputes were reversed as they claimed they wrote and called me but I did not answer ; this however was due to the fact that I did not receive the letters and me being busy at work, so by the time they had reversed the credit it was too late to re-open the case.
Company Response: Closed with explanation

Timely Response

2019-09-13

PA

Getting the loan

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

Complaint: I applied for a loan with TD Bank and was approved at an interest rate of 14.9 percent. I current have a loan with them at 10.99 which is getting paid off with my new loan. I asked why the interest rate would be higher and was told its because my credit score is XXXX. I asked where they get their scores from and was told they pull from XXXX. I actually have an account with XXXX so I pulled my score directly from them which is a XXXX. I sent this to TD bank and was first told this was probably a XXXX XXXX score. I advised them to look at my email again and they will see it came directly from XXXX. At this point I was told they use a module system which had me scored at XXXX. I explained that this odd to me that they claim to use scores directly from the credit bureau but now they are telling me about this module system. As a long time customer of the bank who has always paid my accounts on time without issue, I find it highly concerning and deceptive to alter credit scores that come directly from the credit bureau
Company Response: Closed with explanation

Timely Response

2019-09-13

Flushing, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-13

Englishtown, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-13

Dayton, OH

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2019-09-13

Managing the loan or lease

Vehicle loan or lease: Loan

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

Timely Response

2019-09-12

Gloucester City, NJ

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I am writing you today as an aggrieved man. My drivers license, social security card and other pertinent information was stolen from me. Several fraudulent accounts were opened in my name without my consent and or knowledge. If those contracts do not contain this wet ink signature ( XXXX XXXX ; XXXX All rights reserved without prejudice ) then they are fraudulent and unlawful.
Company Response: Closed with explanation

Timely Response

2019-09-12

East Rockaway, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with explanation

Timely Response

2019-09-12

Washington, DC

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 non-monetary relief

Timely Response

2019-09-12

Bordentown, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-09-12

Jacksonville, FL

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-09-12

Saint Augustine, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-12

Stamford, CT

Problem caused by your funds being low

Checking or savings account: Checking account

Late or other fees
Complaint: I have a TD Bank Checking account. I was hit with {$280.00} dollars of over draft fees. I deposited Check and cash ( {$500.00} check & {$330.00} Cash ) in last 2 deposits over the week. Just to have a negative balance as of today. TD Bank assess fee 's on their own their own fee 's that cause my account to be negative. So, there is a snow ball effect of fee 's. Very unfair practice. I am told TD Bank will always debit your account before they add a credit for deposits. Which means they will seek to charge over drat fee 's first, then credit your deposit, which has the potential to generate massive income from fee 's from poor individuals like me. One particular instance, I had a {$1.00} debit card fee that caused a negative balance. I was charged {$35.00} Fee for a {$1.00} charge. Is that not be Usury!? ... This is A Very unfair practice.
Company Response: Closed with monetary relief

Timely Response

2019-09-12

Aura, 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

2019-09-12

Copiague, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2019-09-12

MA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Privacy issues
Complaint: I disputed this with all of the credit reporting agencies and they say you verified it yet I received no sworn verification from you. You are not allowed to just claim something is verified and not provide the actual documentation and sworn affidavit of verification. Failure to do so is and NOT verified! Thats what the courts say, so I reject your claim of verification for this alleged account. I am requiring you to remove this from my credit reports pursuant to FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) because in order to be compliant with this section of the FCRA, you were REQUIRED to get my consent in writing to collect any information, to make any communication about any account on my credit report. I have NEVER consented to your communication on my credit reports. I am also Opting Out of the sharing of this non-public personal information with non-affiliated 3rd parties pursuant to the Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. Credit reporting agencies are non-affiliated 3rd parties. I am attaching a brief on the GLBA and Privacy Act highlighting what I am saying. By this notice, debt collector and/or Alleged Creditor, including its/their principals, agents, assigns, employees, shall comply with the provisions of the Gramm-Leach-Bliley-Act, 15 USC 6802, 6803 the Privacy Act of 1974, as lawfully amended at [ 12 USC 3401 ], the Right to Financial Privacy Act of 1978, as lawfully amended at [ 5 USC 552a ], and the Third Party Summons Act special procedures [ 26 USC 7609 ], for assisting the Respondent in keeping inviolate certain constitutionally protected privacy rights and guarantees, and from preventing encroachment thereon, also Opting Out of any and all non-affiliated third party reporting of any kind of my personal identifiable information. By this notice, debt collector and/or Alleged Creditor, including but not limited to principals, agents, assignees, employees, shall comply with this demand ; debt collector and/or Alleged Creditor, shall provide Respondent with a copy of any express written authorization from Respondent, whereby debt collector and/or Alleged Creditors authorized for disclosing/divulging/sharing, any type or kind of my personal identifiable information with any non affiliated third-party, in any manner, as well as by means of communication, any information, documentation, data, property, effects and the like re Respondent. Debt collector and/or Alleged Creditor failure/refusal in providing said foregoing demanded authorization constitutes admission and stipulation that debt collector and/or Alleged Creditor are in violation of, including but not limited to Gramm-Leach-Bliley-Act and Privacy Act. FULL CEASE AND DESIST SHARING OF INFORMATION WITH ANY AND ALL CREDIT BUREAUS PURSUANT TO GRAMM-LEACH-BLILEY ACT, The PRIVACY ACT of 1974, & The FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) You are hereby notified under provisions of the Privacy Act of 1974, the FCRA, and The Gramm-Leach-Bliley Act that I DO NOT CONSENT TO THE COLLECTION OF INFORMATION OR MAKING OF COMMUNICATIONS ON MY CREDIT REPORT. I officially OPT OUT of the sharing of my non-public personal information with non-affiliated 3rd parties such as and specifically the credit bureaus, pursuant to the GLBA.I am also reminding you of the prohibition of the sharing of my non-public personal information pursuant to the Privacy Act of 1974, and for your Failure to get my consent in writing for ANYONE to collect information used to make a communication on my credit report. You are required to completely remove, delete all traces of this from my credit reports IMMEDIATELY. You have 15 days to send to me confirmation in writing that you are ceasing sharing this information pursuant to the Full Cease and Desist ordered by me, which includes deleting this alleged account from every one of my credit reports and every credit bureau you shared the information with. Silence Equates To Agreement ~ Point of Law. Time is of the essence, Best, XXXX.
Company Response: Closed with explanation

Timely Response

2019-09-12

VA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: TD Bank states on their own website that they will not charge an overdraft fee for transactions under {$5.00}. I had a XXXX XXXX charge go through and they charged me the {$35.00}. They do this all the time. They lie. I want my {$35.00} back. They should not be allowed to do this. If they do it me they do it other people.
Company Response: Closed with monetary relief

Timely Response

2019-09-11

Hopelawn, NJ

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-09-11

Colton, CA

Closing your account

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

Can't close your account
Company Response: Closed with non-monetary relief

Timely Response

2019-09-11

VT

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: TD Bank used deceptive practices related to excessive overdraft fees. Including misrepresentation of account balances and reordering of credits and debits to push my account into overdraft, allowing them to collect bank overdraft fees. Currently my YTD of overdraft fees are in excess of {$1000.00}!
Company Response: Closed with explanation

Timely Response

2019-09-11

Columbus, GA

Credit monitoring or identity theft protection services

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

Received unwanted marketing or advertising
Complaint: I believed my identity or information has been stolen. I have received multiple credit card application confirmations to my address along with phone calls asking for unknown names. One was a Target credit card which I called and notified them it was not me. The most recent is a Loan Application letter from XXXX XXXX XXXX. I do not know what to do to secure my information. Please advise. Thank you.
Company Response: Closed with explanation

Timely Response

2019-09-11

Dallas, TX

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