TD BANK US HOLDING COMPANY

2017-08-18

Cleveland, OH

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 explanation

Timely Response

2017-08-18

Anthony, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with monetary relief

Timely Response

2017-08-18

Lake Ridge, VA

Other service problem

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

Company Response: Closed with explanation

Timely Response

2017-08-17

Warwick, NY

Closing an account

Checking or savings account: Checking account

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

Timely Response

2017-08-16

NJ

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: This is in response to CFPB Compaint # XXXX I received notification that this complaint was closed based on TD Bank 's response. Why was it closed before I was contacted about their response?! TD did n't address the reason for the complaint. The point of contention I have is with the initial conversation I had with XXXX XXXX ( NMLS : XXXX ), a 'mortgage specialist ' with TD Bank . I knew I did n't qualify for a mortgage on my own as I had been a XXXX XXXX XXXX and was n't working full time in the most recent tax years so I my father-in-law was going to be my co-guarantor on the loan. XXXX steered me away from that and pre-qualified me for the mortgage after she got my current ( 2016 ) estimated income. As a result, my mortgage got declined after I had already spent nearly {$1000.00} on home appraisal fees, credit reports, and other fees and was left to deal with the financial mess while my wife and I were on our honeymoon. I 've contacted TD Bank numerous times and they have said they have reviewed the tape of the initial conversation I had with XXXX in XXXX of 2016. The person I spoke with said there was nothing on the tape that backed up what I said but when I pressed them about specifics they admitted they had n't listened to the tape. I want a copy of that tape. Since I contacted them in XXXX, I 've spent way too much time listening to them ramble on about how I was n't eligible for a mortgage based on my income but I knew that before I even applied and that was never the issue. Back in XXXX TD Bank also promised to send me a check for the nearly {$250.00} I spent on International calls trying to sort this mess out during our honeymoon. I have yet to receive anything from them.
Company Response: Closed with explanation

Timely Response

2017-08-16

East Rockaway, NY

Trouble using your card

Credit card or prepaid card: Store credit card

Can't use card to make purchases
Complaint: I was locked out of my Target account as usual because once again I forgot my username/password. I called was helped by a very nice rep who opened it back up. What I failed to realize was I had to answer 3 verification questions and one of the questions I was n't able to answer because lo and behold they had automatically switched my old card to my new card which I am waiting to get in the mail. I had to call again and this time the rep who picked up apparently does n't like her customer service job and hung up on me when I told her my issue and also told her that it was n't right to have switched everything when I do n't even have my new card because now there 's no way to access my account. With that, I proceeded to call a third time and this rep kept repeating himself how my new card is in the mail and I 'll get it in 3 weeks!! Well, how in the world does that help me now?! Especially since I placed an order with my old card yesterday & now I ca n't even check if that went through!! With that, this rep said he 'd transfer but did the same as the last rep & hung up on me! To top it all off, I 'll be away the week my card supposedly arrives & I ca n't use my card because it 's no good anymore because it 's not on file anymore now that my new card, which is NOT in my possession but somewhere in the postal system, was automatically put in. What kind of a company does that?! As a consumer, I 'm the sole person who should be changing my credit card info on file, not the company. That means they just go into peoples ' files. They need to change that. I do n't even know what to do now
Company Response: Closed with explanation

Timely Response

2017-08-16

Jupiter, FL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened up a TD Premier Checking account for its current promotion : Earn {$300.00} when you open a TD Premier/Relationship checking account and receive direct deposits totaling {$2500.00} or more within 60 days. Website of the promotion is https : //www.tdbank.com/checking-aff-incentive-55/ I completed the direct deposits requirement within 60 days but never received the {$300.00} promotional bonus within 95 days from account opening.
Company Response: Closed with explanation

Timely Response

2017-08-16

Las Vegas, NV

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with monetary relief

Timely Response

2017-08-16

Fort Worth, TX

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Credit card company forcing arbitration
Complaint: I opened a nordstrom account in XX/XX/XXXX before account changed in XX/XX/XXXXand did not receive notice. When using this card in XX/XX/XXXX transactions were reversed without any notice account was closed and Company open new account just to close it in XX/XX/XXXX terms and condition. Company will no longer give me original XX/XX/XXXX terms and conditions.
Company Response: Closed with explanation

Timely Response

2017-08-15

Aura, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2017-08-15

FL

Incorrect information on your report

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

Account information incorrect
Complaint: TD Bank is reporting account number XXXX twice as a charge off account to XXXX. On page 23 of the XXXX report dated XX/XX/XXXX it shows account number XXXX, last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off in XX/XX/XXXX with a balance due of {$3300.00}. On page 25 of the XXXX report dated XX/XX/XXXX it shows the same account number XXXX last reported on XX/XX/XXXX, open on XX/XX/XXXX, went into Charge Off / Sold or Transferred in XX/XX/XXXX with a balance due of {$0.00} NOTE : Page 23 has account number XXXX as being open on XX/XX/XXXX ; Page 25 shows the same account number XXXX as being open 9 days later on XX/XX/XXXX I have contact TD Bank Via Phone on XX/XX/XXXX and on XX/XX/XXXX I have sent them every document they have requested, in both conversations I requested that one of the entries be removed because both entries have the same account number and they are causing double the points to be removed from my credit score, TD Bank has refused
Company Response: Closed with explanation

Timely Response

2017-08-15

MA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: In XX/XX/XXXX, I found an online promotion from TD Bank, NA that promised a promotional credit for opening a new primary checking account on line. I followed all the prompts to open the account, but was presented with a message saying that I must visit one of their branches to complete the process. The next day, I went to the TD Bank office on XXXX XXXX, XXXX, MA. I spoke to a manager and someone who said he was a regional branch manger. I explained my online experience and made it clear to them that I would only open the account if I were to receive the promotional credit. Both told me I would receive the promotional credit upon completion of the opening process, and a 90 day waiting period, even though I was not able to complete the process online. I opened the account, had my pension check designated for direct deposit, and opened a credit card and a money market account. After 90 days, I went to the branch and asked for my promotional credit. I was told that was a separate department and that they would speak to that department on my behalf and give me a call. I heard nothing after 30 days, so I went back to the branch only to be told the same thing. I waited another 60 days with still no reply. I went back to the branch and asked why they were not following through with their promises of customer service. I was then told that the promotional department had denied my request for a credit. You can image how this made me feel. I am now reaching out to the CFPB for help. I can only image that this same experience is being repeated across the country. It is a shame for this large bank to be praying on senior citizens in this way. Please help me.
Company Response: Closed with explanation

Timely Response

2017-08-15

Grand Island, NY

Closing an account

Checking or savings account: Checking account

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

Timely Response

2017-08-15

Eagan, MN

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

2017-08-15

Leesburg, VA

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2017-08-14

San Jose, CA

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2017-08-14

Fort Pierce, FL

Applying for a mortgage or refinancing an existing mortgage

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

Company Response: Closed with explanation

Timely Response

2017-08-14

Framingham, MA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-08-14

Gardena, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-08-14

Inglewood, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-08-14

Detroit, MI

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: XXXX XXXX XXXX/ TARGET CREDIT DATE ACCOUNT OPENED XX/XX/XXXX BALENCE : {$450.00} DATE OF MAJOR DELINQUENCY XX/XX/XXXX THIS IS NOT MY ACCOUNT. I LOOKED AT MY CREDIT REPORT IN XX/XX/XXXX AND FOUND THIS ACCOUNT THAT IS NOT MINE. I ALSO CONTACTED TARGET AND MADE THEM AWARE. THEY WENT TO ALL 3 CREDIT BEAUROS AND REPORTED IT AS OF XX/XX/XXXX AS MAJOR DELIQUENCY. I ALSO DISPUTED IT WITH THE 3 CREDIT AGENCYS. THE LADY AT TARGET CUSTOMER SERVICE TOLD ME SHE DIDNT CARE ABOUT ANYTHING I WAS SAYING AND JUST WANT A CREDIT CARD OR BANK ACCT TO COLLECT THE XXXX
Company Response: Closed with explanation

Timely Response

2017-08-14

VT

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: TD bank is not following their deposit account agreement. Their policy states that any " item '' ( including checks, debit point of sale, and other debit or electronic transactions ) are processed at the end of each business day and in chronological order based on the date and time that the transaction is initiated, and if for some reason TD Bank needs to change the order I will be notified beforehand. On Thursday XXXX XXXX I paid over the phone to XXXX an {$86.00} charge. I continued to balance my checkbook based on TD Banks policy for determining my account balance. On Sunday XXXX XXXX I logged into my mobile banking app and noticed that a check had come in and been taken out of the account and I was overdrawn. My account balance on the XXXX was $ XXXX. No other transactions were pending and my XXXX payment had already gone through. I transferred {$78.00} from my savings account into my checking account. On Tuesday XXXX XXXX I checked my bank account on the mobile banking app and saw that my account was overdrawn again. I had made a debit charge for {$22.00} and TD bank had also charged me a {$35.00} overdraft fee for the check. I called TD Bank customer service and talked to a supervisor named XXXX who refunded me the {$35.00} overdraft fee. she told me my account balance was {$26.00}. and something cents. After I got off the phone I used my debit card at the grocery store and charged {$16.00} to my account. At the end of the day Tuesday I had around {$10.00} in my account. On Thursday XXXX XXXX my account balance was $ XXXX sense because I had been charged 2 more late fees. I went through the math on my account and called up customer service because I was confused. I was told when I called that there was no bank error and I was n't allowed anymore overdraft reversals. The second fee was for the {$22.00} transaction and the third fee was for being overdrawn by the second overdraft fee. I was told they were following their policies even when I brought up the fact that they had changed the orders of my transactions, which was the only reason I had overdrafted to begin with. I called back on Friday XXXX XXXX and went over the math of my account with XXXX. We both agreed that there was at least one overdraft fee that did n't seem to have a reason behind it. She put me on hold so she could go talk to a supervisor. A supervisor named XXXX came on the phone with me and explained to me how to balance my checkbook. I kept telling her that I knew how to balance the checkbook and asked to go over the math with her as well. She still was n't able to help me and I was put on the phone with someone named XXXX, who was supposedly the highest up person i could talk to. I kept asking why my XXXX payment was processed on the XXXX and why it was n't processed in the right order and he was n't able to explain it in a way that made the math make sense. I finally asked him to explain all of the transactions that he saw on his screen and it went like this : at the end of the day on the XXX my balance was {$120.00}. A {$10.00} check posted on the third, balance XXXX. Then my XXXX payment was pending, which put my available balance on the XXXX at {$25.00}. On the XXXX I used my debit card for {$25.00} and my balance was {$.00}. A check for {$30.00} posted and by the end of the day on the XXXX I was overdrawn $ XXXX. XXXX then proceeded to tell me that sometime between friday on XXXX and saturday at XXXX the {$86.00} was put back into my account resulting in a positive {$57.00} balance. On the XXXX the {$86.00} was taken back out of my account which overdrew me again, and that 's where the third overdraft fee came from. XXXX said that XXXX did n't collect on the payment until the XXXX. I got off the phone and called XXXX up. They confirmed that they received and processed my payment on the XXXX, not the XXXX, and sent me an email confirmation.
Company Response: Closed with monetary relief

Timely Response

2017-08-14

San Jose, CA

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2017-08-14

Flemington, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-08-13

Wallington, NJ

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Complaint: I arrived at TD Bank on X/XX/2017 at around XXXX XXXX I asked to make a transfer of funds to my account in XXXX. XXXX the banker told me she will not help me since I am XXXX and a XXXX XXXX I will not help you. She told me that she also hates the State of XXXX, and all XXXX should be put into a XXXX XXXX or an XXXX. She told me we need to make a finale solution to all the XXXX. I mentioned this to her manager that she was not willing to do a transaction for me since I was XXXX XXXX started laughing at me. I almost wanted to cry that this is how I 've been treated as a TD customer. I filled many compliments already with the CFPB and the CFPB has ignored the fact that as a XXXX I have been discriminated against on the basis of my religion ( XXXX ) and national Origin ( XXXX ). All I asked was to do a transfer of funds from my account in the US to XXXX and they would not allow me to do the transaction.
Company Response: Closed with explanation

Timely Response