TD BANK US HOLDING COMPANY

2017-03-31

Tulsa, OK

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Greenmount, MD

Billing disputes

Credit card:

Complaint: I had a credit line with XXXX XXXX that unfortunately slipped into collections in XXXX . In late XXXX , I was contacted by their collection agent, XXXX XXXX , about this debt. I agreed to settle my outstanding balance, and that payment was finalized in late XXXX . Now, XXXX XXXX refuses to update my account as paid on my credit report. They are still reporting to the credit bureaus that I owe them {$1800.00}, when in fact, I have settled this balance in full. I have even disputed this account with the credit bureaus, but XXXX XXXX continues to tell the credit bureaus that I still owe them {$1800.00}.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-30

Dallas, NC

Customer service/Customer relations

Other financial service: Check cashing

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-30

Belle Harbor, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-03-29

Boothwyn, PA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Andover, MN

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Garrett Park, MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: XX/XX/2017 I went to TD Bank located on XXXX, XXXX, MD XXXX with my wife to make a withdraw. I was told to wait at the teller counter while she asks the branch manager for an approval. The manager, then, walked to his assistant manager 's, XXXX, desk for guidance. After a few minutes, XXXX asked me to follow him to his desk. First, he asked my why I transfer money back and forth between my saving and checking accounts. I explained the reasons behind those transactions and XXXX was satisfied with it then he moved on to another topic. Three of my accounts was " Red Flag '' [ charged off ] so he can not give me my money yet until I pay off the outstanding balance. He claimed that I must have 10 or more letters from TD Bank for each account telling me that it was overdrawn. I told him that I did not check my mail every day and did n't get any calls from TD regarding the negative balance. He said it was hard to believe by saying he 's not buying it. He picked up his phone and called the charged off department and asked them if he could freeze my accounts which have more than enough money to cover the negative balance. I did not know what the charged off department said but I 'm assuming that he can not put a freeze on every account. He went on and asked if he could put a hold on the funds in the amount that I owed and make the rest available to me to use. He made an assumption that I already knew that my three accounts are overdrawn and I still opened an account online which should be closed by now. He also said, " Honestly, you 're not supposed to be banking with TD Bank ''. I asked him if the bank could wait until next week to collect the funds to cover the outstanding balance because I got ta pay the rent instead of trying to close these accounts. I also said it is not worth losing a customer. As many people know if you 're in the business for awhile. If you let one customer walk away with negative feelings toward the business. That customer is likely to talk to another person and then another and another. That was why I said that to him. This is what he replied, in my face and in front of my wife which was on the phone and another person on the phone heard it crystal clear, " at the same time it 's not worth having a customer that has charged off account with the bank ''. He kept bringing up his assumption that I knew and aware of my balance that 's why I opted to open a new account online. Which I told him that I do not check my mail every day and did not get any calls or emails from TD Bank. I also told him to check that a few weeks ago once I found out about one negative balance on the account, I transferred around $ XXXX-XXXX to cover the balance. That would show that I 'm doing business with TD Bank in good faith and not trying to rob or take any advantages from this relationship. XXXX, then, allowed me to get my $ XXXX in cash and will freeze some of my funds until next week when I come in with the additional funds. After consulting with some of the government agencies, I decided to write this complaint/review to get TD Bank attention in order to work together to solve this. And please, read some customers ' review about this location. I love TD Bank and your other locations but this branch manager and assistant manager are driving us nuts with their manors and unprofessional behavior. Please hear us out!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-29

Albuquerque, NM

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Allenwood, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: From XX/XX/2017-XX/XX/2017, TD bank was receiving charges from XXXX of {$32.00}. The charges were attempted and denied a total 4 times by the company. each attempt was charged a {$35.00} overdraft fee. At time of writing, there are others pending as well. This was billing error that has since been resolved. TD Bank has full discretion when accepting or denying payments. I do not believe TD adhered to the high ethical standards that it sets for itself.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-28

Billerica, MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XX/XX/2017 I presented XXXX items totalling XXXX USD to the TD Bank, N.A ( the " Bank '' ) branch located at XXXX, XXXX, MA XXXX. The amount credited for the deposit was XXXX USD, XXXX USD less than the amount of the items deposited. On XX/XX/2017, after the deposit posted to my account, I noticed the discrepancy and notified the Bank of the error. During this call, the representative was able to confirm the missing amount based on the check images collected by the Bank at the time of deposit. The representative informed me that they would escalate to an appropriate organization within the Bank and that the error would be corrected within 2-3 business days. On XX/XX/2017, I noticed that the error remained unresolved. I contacted the Bank again regarding the error and was told that the error would be corrected within one week of the original notice ( by XX/XX/2017 ). On XX/XX/2017, the error continued to remain unresolved and I contacted TD Bank , N.A . again regarding the error. The representative, XXXX, noted that there was no record of any request made during the previous calls. The representative contacted their supervisor, XXXX, to escalate a request within the Bank and have it expedited such that it would be resolved within 2 business days. On XX/XX/2017, I am filing this complaint with the CFPB. It has been over a month since the issue was first raised with TD Bank , N.A . and, after multiple good faith attempts to resolve the issue, the TD Bank , N.A . continues to fail at delivering on its promises to correct the issue.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-27

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: XXXX is harassing me by phone and by mail with a debt that is not mine.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-27

Rochdale, NY

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: A terrible decision caused my account to be gone forever from TDbank.A fraudster got my debit card information.There were unauthorized deposits and fake checks deposited into my account.The bank fraud department took too long in investigating.I did pay off what was owed but the bank showed hatred against me.I think they stopped the investigation.They may be also slandering me .I did not know what to do.I have been told that I am to get refunds from what was stolen even if it was done in an irresponsible way.The bank has to realize that I am no criminal.They also need to know that in this digitalized time banking information can be gotten by anyone.I want to know why they feel they do not have to follow the law and why they think I should pay for what happened.They also need to be questioned as to why they allow these fraudsters to keep stealing money from people 's accounts.The bank also insisted on saying that they do not care what happened and that I should have known better.I also want them to know how this made me feel.I had been with them since even before they became TD.Back then they were more responsible.They did work with customers on these problems.They advised on how to be careful with these problems.They are possibly trying to say that I conspired with this person who seriously damaged my account in order to steal from them.I am no criminal.I do not need theirs or anyone elses money to resort to doing such a fraudulent thing.They really do need to be called out on how they pretend to investigate bank fraud but really do not.It is due to this stress that I was not able to pay what was owed until my tax refund came through.I also want them to know that I am not the only one that this has happened to.It will continue as long as they allow the fraudster who they are aware of continues to do this as long as they are not caught.I have to say that they may be working with this fraudster.I had not received any help with payments from TDbank until a few days before they made some charge off and then claimed they gave me a credit.They allowed me to open a new account but then they closed it.They will tell me the results of what happened.I have the right to know that.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-27

Holiday, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-26

Bluffton, SC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-26

Azalea Park, FL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Sacramento, CA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-24

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Blackwood, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-24

Long Island City, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: The TD Bank in XXXX, NY ( well TD in general ) has no idea what they are doing! I 've had a few accounts with them and at one point they were closed due to being negative, overdraft etc. I have since taken care of each of them and somehow now they have NO RECORD of it. Not only that but with my last account they was some fraud activity and I was never notified of the issue but the account was placed on HOLD. When I noticed the account was on HOLD I then called and spoke to an agent who transferred me to the fraud department. I was then advised the best for me to do was to take care of the negative balance which was {$50.00} and then closed the account and reopen a new one.I was not advised of any time frame, in fact, I was advised to go into a branch once I received the refunds I was waiting for since they would cover the negative balance.Since this all happened around the holidays I did place everything on HOLD till after the holidays. Since then I have been in this branch several times and not ONE person has been able to assistant me with this issue. One they are claiming not see any notes from the first agent stating what my " due balance '' is ( which I ca n't seem to understand because the first rep I spoke to was able to locate the notes. And I would think everyone has access to the same notes and files ) This back and forth with them has been ongoing for months and no one has helped not even a small bit. They have actually kept $ XXXX and something dollars from me ( which I should say STOLE ) with no valid explanation1 I have tried to contact their corporate office via email and via XXXX and no one has replied. I think this is ridiculous that they are getting away with the things they are doing. It 's not fair that I am paying for their XXXX. And now because of their XXXX, this is showing up on XXXX report and preventing me from opening any future account. I would greatly appreciate it if someone got back to me with some of solution for this problem. Thank you, XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-24

Piedmont, AL

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: My dad who has used my social security number to apply for credit without my consent. He has also done this to my sister in the past. would like to get the inquiries off of my account.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Firestone Park, CA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-23

N Haven, CT

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I depostited {$250.00} to a passbook savings account with TD Savings bank on XX/XX/2010 in the name of XXXX w/ XXXX and XXXX XXXX the day XXXX was born. I went to the bank last year to withdraw it. They said they did n't have it and they stated that they sent it to the State of Connecticut. I called the State of CT and the STATE said they do n't have it and asked the bank to supply the " line item info '' if it was in fact sent to them. I have been to the bank 2 times since. The bank manager takes copies of the passbook and states they will get back to me but they never do. It has been a year. Can you please help. I want my grandsons {$250.00} with interest
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Stkn, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-23

Bay Shore, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-23

Davie, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response