TD BANK US HOLDING COMPANY

2019-09-07

CA

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

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

Problem with personal statement of dispute
Complaint: On the week of XX/XX/XXXX, I received an alert from my XXXX credit monitoring service indicating that my Target credit card payment for XXXX was not made and as a consequence I had a 30 day late notice added to my credit report. When I went back and checked my payments, I noticed that for the month of XXXX I had made a {$100.00} payment. I immediately called Target and they told me that my payment was short for {$5.00} and that they couldn't do anything about it. They were not willing to help me in any way. I asked them to please review my previous history so they can see that I have never been 30 days past due since I open their account. I explained to them that I recently went back to work full time and that I have been sending my payments beyond the that due date, but we a lot sacrifices I have avoided to be 30 days late. I also mentioned that my job stability could be affected for those {$5.00} and that what they are reporting to the credit bureaus is innacurate. They are reporting that I missed my payment which is not the case. What they are doing will affect my current employment and future opportunities as well. I do not think this is fair especially for a customer who in spite of her circumstances has been making payments. This {$5.00} difference has caused a level of damage that is not equivalent to the shortage in the payment which was originated by an oversight. My credit is the only thing that will keep me working. Please help me to communicate with Target so they can remove this 30 days notice from my credit report.
Company Response: Closed with explanation

Timely Response

2019-09-07

Norwalk, CA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I received a credit card bill for my Target REDcard ( issued by TD bank ) for the statement ending on XX/XX/XXXX. In my online account, I added the routing and account numbers for a funding source and proceeded to pay the bill. The payment was made in full on XX/XX/XXXX. Four days after the bill had been paid, my online activity was telling me the payment had been returned. The next statement had ended on XX/XX/XXXX resulting in an interest charge and a returned payment fee. I called customer service to find out the cause of the returned payment. The customer service representative informed me the bank account transfer came back with the status of being the wrong account number. The customer service representative was helpful in providing the account number I had submitted prior and I compared it to the number it intended to be. The result of that conversation was that the last digit of the correct account number should have been a '5 ', but instead, it was a '4 ' that was submitted. It was clearly the work of a data entry error. I asked the customer service representative to please undo the returned payment fee and the interest. She successfully reversed the interest charge but would not budge on the returned payment fee. I told her, what happened was an honest data entry error with the complete intention of paying the bill in full and it doesn't merit the {$27.00} returned payment fee. I was told it is company policy to not reverse returned payment fees. For the purpose of ending the call hoping to get a more helpful representative in the future, I thanked her for the interest reversal. On XX/XX/XXXX, I made the payment in full. Days later, I called customer service. I explained the situation that I accidentally typed the account number wrong with the incorrect last digit by mistake and asked if the returned payment fee can be reversed. Again, I was met with being told it isn't the bank 's policy to undo it. On XX/XX/XXXX, I paid the {$27.00} bill resulting from the fee. Over the course of the proceeding spring, I called approximately once a month to see if a helpful customer service representative would hear my request. Each time, I was told it wasn't going to happen. Attached are three documents : XXXX shows the original bill. XXXX shows my payments, returned payment fee, and interest charge. XXXX shows the reversal of the interest charge and that I paid the returned payment fee.
Company Response: Closed with monetary relief

Timely Response

2019-09-07

Queens, NY

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: unauthorized credit inquiry
Company Response: Closed with explanation

Timely Response

2019-09-07

MA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: TD Bank XX/XX/2019 Unauthorized ACH withdrawal by XXXX XXXX in the amount of {$650.00} XX/XX/2019 Unauthorized ACH withdrawal by XXXX in the amount of {$650.00}. I immediately went to my local branch of TD Bank in XXXX MA. And filed a dispute for the fraudulent withdrawals. They told me it might be seven to ten days before the charges would be reversed. I then went back to the branch later in the day once it became clear this was tied to a known fraud incident regarding XXXX. They again stated they could do nothing and could not block the current pending withdrawal of XXXX.
Company Response: Closed with monetary relief

Timely Response

2019-09-06

Brooklyn, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: TD Bank charged me 5 separate overdraft fees on XX/XX/19. Those transactions on XX/XX/19 were not authorized to begin with. The money was put back into the account the next day XX/XX/19, but TD bank wiped me out with a {$170.00} fee. Because of this i was unable to keep my online business open, and i was not able to visit with my children. I called the bank and disputed the original transactions and begged them to return the {$170.00} they have stolen from me. I will no longer be their customer.
Company Response: Closed with monetary relief

Timely Response

2019-09-06

Wilmington, DE

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Ive had a checking account with TD Bank since approximately XX/XX/XXXX. I regularly use the mobile deposit feature that is available on their app to deposit payroll checks. Yesterday I deposited 6 checks in the same manner as I always do. Typically my funds are available on the next business day. For some reason today they are not. When I checked my account this morning it shows a FM Deposit Hold- See SM entry next to each check that I deposited. I contacted the bank and was told that my money will not be available until XX/XX/XXXX, that is over a week away! I did not receive any alerts when depositing the checks that advised a hold would be placed. When I spoke to them this morning, I was advised that I could take the checks to the local branch and the teller could call the issuing bank to see if they could possibly clear a few of them. The checks that I deposited were from my employer, the same employer that I always deposit checks from so I dont understand the problem this time. They are holding my money hostage. This has got to be a violation of UDAAP.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-06

Lafayette Hl, PA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-09-06

Stevenson, MD

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Company Response: Closed with explanation

Timely Response

2019-09-06

Newark, NJ

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-09-06

MA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: On XX/XX/19 I deposited {$600.00} into my account. My available balance was XXXX after the deposit was made. The receipt shows {$630.00} was made available. I made three transfers {$300.00}, {$150.00}, & {$20.00} which left me an available balance of {$160.00}. On XX/XX/19 I made a value reload to my XXXX XXXX electronic card for {$25.00} at XXXX {$25.00} was still pending and had not reflected in my available balance. On XX/XX/19 at XXXX I was overdrawn by $ XXXX. I had not authorized anything outside of XXXX to debit my account. The bank stole {$170.00} in overdraft fees claiming I made transfers prior to the funds being available. I made over 8 calls to the bank requesting they investigate my concerns as the receipt shows the money was made available. Screenshots show I had XXXX available after the {$300.00} transfers were completed. I asked the bank if there is ever a time where a transaction can be pending and simultaneously available/posted to someones account. They told me no. On XXXX I went from $ XXXX overdrawn to $ XXXX which included another {$35.00} fees totaling XXXX in fees. That same day my father and I put XXXX into our now joint savings account. The available funds were {$130.00}. This morning I discovered {$100.00} had mysteriously been debited from the savings account without anything listed on the transaction history to identify or indicate where the funds had debited too. In addition to that, there was a mysterious debit of {$5700.00} that left the account with {$230.00}. Please keep in mind on XX/XX/19 we had XXXX in our accounts. With the deposit of XXXX that would have brought our accounts to {$6000.00}. Even if there was a mysterious debit of {$5700.00} our account balance would have been {$330.00}. The ongoing inaccurate postings, stolen/lost money has not been resolved and TD Bank refuses to address these concerns. I have sent two emails, made over 8 calls, and sent a letter to the operations of deposits address outlined in the agreements, posted on twitter, alerted the FBI, and filed a complaint with my local PD. There were several authorizations from XXXX and XXXX and possibly one other vendor that I think were '' dummy transactions '' because they were authorizations of {$0.00} instead of the amount authorized for actual purchases. I made online purchases for my job and canceled the ones I no longer needed. I assumed the authorizations were just there for adjustment purposes. However, members of the bank 's fraud dept. should know how to identify unauthorized and/or dummy transactions and have the tools to be able to see it and stop it ( force stop ) when it's lingering for long periods of times. I could not address those concerns and or get to the bottom of everything because the Banks representatives who handled my concerns insisted TD Bank was not at fault for any errors I brought to their attention and refused to hear anything relating to the inaccuracies. Because the agents refused to actually review my account in its entirety {$7600.00} was stolen. I understand the CFPB does not investigate everything but as a victim of the XXXX breach and being very diligent with my information I am hoping you too will assess actions. I have notified the FBI, I have filed a report with my local police department. I plan to file small claims. I notified FTC, I am in the process of putting a freeze on my account. I just need you to fight on behalf of all consumers. This is unacceptable. It has been recommended that I notify the OCC, and AGO Consumer Protection division which I also plan to do today. Something is wrong with TD Banks system and they need to identify the errors and stop blaming customers for their lack of attention to the problem at hand. Thank you for your time!
Company Response: Closed with monetary relief

Timely Response

2019-09-06

Brooklyn, NY

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: TD Bank has sent me a flyer directly to my name via US Mail with a proposal to open checking and savings account. I have opened Savings account, met all requirements to get a promo bonus and TD Bank didn't credit my bonus on time as per terms of a promotion.
Company Response: Closed with monetary relief

Timely Response

2019-09-06

Rockwell, NC

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: TD Bank wants me to drive while XXXX to another state in the middle of a hurricane to sign a signature card because they failed to get one from me after having me open up an account over the phone. The money originated from an account with a signature card on file. This puts not only my health at risk but my XXXX heath at risk. Last night we had tornado 's came through and TD Bank will not release funds for me or my family to get groceries.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-06

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2019-09-06

Westminster, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Company Response: Closed with monetary relief

Timely Response

2019-09-06

West Branch, NY

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-09-05

Port Charlotte, FL

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
Complaint: this credit card has been billing me and has never itemized the charges as I have been requesting for 2 years multiple times. When I call them they leave me on " hold '' and never return. They are hurting my credit score and now threatening to send the bill to a collection agency.
Company Response: Closed with explanation

Timely Response

2019-09-05

Boston, MA

Problem with cash advance

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2019-09-05

Chicago, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I just turned XXXX yrs old something bad has happened, I never knew my social security number until I started college 2 weeks ago. I found out on my credit score report its over 7 things. that does not belong to me I never asked for any cards as a child and I never authorized anyone to use my name or social security number. I called all of these companies. and they say the birthday don't match.? so why are they keeping it on my credit score thing/ report. I just turned XXXX some of these companies say it been open for years? how because they don't give children accounts. can I get help please and take these things off my credit score/ credit report. thanks this is my last option for help. I should not have to deal with this kind off issue. school is very hard already please help.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-05

College, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with non-monetary relief

Timely Response

2019-09-05

Magnolia, TX

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: OnXX/XX/2017myinformationwaspersonalinformationwascompromisedduetotheXXXXBreachonXX/XX/2017.Sincethenmanyinquirieshasbeenplacedonmycreditreportthatdonotbelongtome.IntheattachmentIvesentyouarealltheinquiriesthatareonmycreditreport.Ihavecircledtheinquiriesthatdonotbelongtome.IvetriedreachingouttotothesecompaniesbutIhavegottennoresponseregardingthismatter.Pleaseremovetheseitemfrommyreport.
Company Response: Closed with explanation

Timely Response

2019-09-04

Columbus, OH

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2019-09-04

Bronx, NY

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: On XX/XX/2019, a XXXX transfer request was sent to an inactive account at TD Bank in the amount of {$1000.00}. The account with TD Bacnk has been inactive since XX/XX/2019 but yet the bank accepted the funds. This account was closed out and restricted in XX/XX/2019 due to fraudulent activity. On the same day, I contacted TD Bank and they informed me that since the account was restricted, it can only accept funds but not transfer it out. I don't understand how can a Financial Institution allow for such transfer of monies to occur on a closed/restricted account. I am requesting reimbursement of the monies mentioned above. Should you need additional information please feel free to contact me at XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-04

Bel Alton, MD

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-04

Eustis, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-09-04

South Florida, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I currently have a TD Bank checking account. on Date XX/XX/2019 I withdrew from my account {$46.00}. After losing my debit card at the nightclub and got my pin stolen they took 2 withdraws of {$200.00} and {$44.00}. I called that night and reported the fraud which my card was canceled. I received a new debit card after a week but my funds were never given back. I disputed these 2 transactions 2 times already with the same response. I have no other choice but to file a complaint.
Company Response: Closed with explanation

Timely Response