TD BANK US HOLDING COMPANY

2017-03-22

Garrett Park, MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: TD Bank provided me XXXX different visa debit cards for the same business account. In trying to obtain help on which to use, TD Bank had me on hold for over 15 minutes, playing advertising continuously the entire time, which means that it was not even possible to turn down the volume and wait for a voice. Also, no call back option. They have proven themselves the opposite of their slogan " America 's Most Convenient Bank '' and have egregiously wasted my time.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-22

NY

Closing/Cancelling account

Credit card:

Complaint: In XX/XX/XXXX, I opened a new credit card account with TD. The physical card for that account expired in XX/XX/XXXX. When I did not receive a replacement card by XXXX, I called TD to request a replacement card and was told that my card would not be reissued because the account had been inactive for 18 months at the time of card expiration. My account has remained open ( and reported as open to the credit bureaus ), and I have continued to be charged interest and to make payments. I requested a replacement card several times between XXXX and XXXX and was told nothing could be done. In XX/XX/XXXX, I again requested a replacement card for this account and TD continued to state that my card was denied re-issuance in XX/XX/XXXX because it had not been used for the previous 18 months, and stated they could not issue me a new card at that point ( XX/XX/XXXX ) because the account had now been inactive for over 60 months. When I pointed out that I 'd used my card at least as late as XXXX XXXX, TD then agreed that I had actually used my card as late as XXXX XXXX, only 6 months before XXXX XXXX. Then TD stated ( for the first time ever, despite my numerous written and oral communications with various TD Bank employees re : this issue between XXXX ), claimed that re-issuance was declined due to late payments. TD further stated that, " Regardless of the reason your credit card was not reissued in XX/XX/XXXX, we are not able to reinstate your account now. The law requires we assess your ability to repay before any credit card is issued. If you wish to have an active TD Bank credit card you would need to close this account ( you are require to continue making payments as indicated on your statement until the account is paid in full ) and reapply for a new credit card ( this will involve obtaining an updated credit report and determining if you currently meet our credit criteria ). '' However, my credit card agreement provides that TD may re-assess or review my credit history at any time, and I also informed TD that they could check my credit and I would give them any additional information needed to do so. Further, TD increased the credit limit on this account from {$5000.00} to {$5500.00} sometime between XXXX. This indicates that TD has the ability to review my credit without the need for me to apply for a whole new and separate credit card account. In addition to repeatedly providing me incorrect information re : transactions on my account, reason for declining to re-issue my card, and seemingly on the law related this this issue, during my interactions with TD in XXXX, I was referred to an individual named XXXX. During my conversation with XXXX after being asked specifically if I would like TD to close this account, I requested that the account not be closed. I also made this request to TD via writing. When I saw that my account was suddenly being reported as " account closed at consumer 's request '' in XXXX, I contacted TD to inquire and was told that my account was closed on XX/XX/XXXX based on a letter sent by XXXX XXXX XXXX on XX/XX/XXXX ( the same date I spoke with XXXX XXXX XXXX XXXX. I was also told that TD records show that the account was closed based on my request. After numerous requests via email and phone, my account was reopened within a few weeks, however, I was informed by TD that they would still never re-issue the card on my open, active and current account. Based on the foregoing, as well as other details not discussed above, I believe TD 's actions in refusing to re-issue my card ( initially and after subsequent requests ), and in reporting my account as closed in XXXX, were not based on legitimate reasons, and were instead due to either negligent mistakes and/or personal animus due to unpleasant interactions with me re : previous issues I had with the account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-22

CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was contacted in XXXX by Target Store 's credit card division to inform me that a TD Bank/Target Store credit card application had been submitted at XXXX of its stores in North Carolina, and Target suspected it was fraudulent. I confirmed that the application was in fact fraudulent and Target informed me that the application and account would be terminated. Target followed up with a paper mail affidavit for me to complete, which I completed and mailed back to officially close the fraudulent account. Additionally, I contacted the XXXX bureaus to place an active fraud alert on my credit file. This week when checking my credit, I learned that the TD Bank-Target Credit Card Account was officially opened despite the extensive prior communication on the issue.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-22

Franklin Sq, NY

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-21

Murray Hill, NJ

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-21

Arlington, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-21

Erial, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Huntingdon, PA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Rockledge, FL

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-21

PA

Credit monitoring or identity protection

Credit reporting:

Problem cancelling or closing account
Complaint: I applied for a redcard credit card and I received a letter statement was not approved. I have excellent credit
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Boynton Beach, FL

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Tunnel Hill, IL

Customer service / Customer relations

Credit card:

Complaint: This is not additional information on complaint XXXX. I sent the email below to XXXX on XX/XX/2017 telling him to put a note on my account and tell his employees to not contact me by phone again, only by mail, because they are harassing me!! Since I sent the email they called me again on XX/XX/2017 at XXXX an XX/XX/2017 at XXXX, so I am now sending it to your office to deliver to him too! His employees have been rude and unhelpful every time I contact them and he makes excuses for them, once I do pay this account off will be closing the account because of the horrible customer service, is no wonder there are so may complaints online for the same!! Sat XX/XX/XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX, I am having a problem with my account. I lost my job unexpectedly some time back and so my payment is now past due for XX/XX/2017. I contacted your account department to let them know what was going on and that I could not make a payment until the unemployment check was in my account, which will not be until mid next week. They then called my cell phone this morning at XXXX and woke me up ( from XXXX ), after I had just fallen asleep finally just a few hours before due to my concerns over the job loss, no promise of a new job yet even after sending out hundreds of resumes and interviewing with several employers, still waiting to find out if I am hired or not, having no financial help because I am only XXXX years old and already widowed twice and now both of my parents and their spouses are in theirs XXXX 's and have had XXXX, XXXX and XXXX so leaning on me at times. I want my account noted that I do not want to be contacted by phone or email, only by mail going forward. I am aware of the balance on my account, have never been late on a payment with you before, but can not pay my payment until I have money to pay it with. I live about two hours from the nearest XXXX 's location in XXXX, XXXX., but if you have a position open that will pay me enough to live in that area again in one of your stores I would be happy to take it and pay off my balance sooner. I am trying to get back over that way anyway, because there are more jobs closer to the city. I have also held high end retail jobs in the past with XXXX, XXXX, XXXX. Thank you, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-21

Bohemia, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-21

Atl, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-20

Rochester, OH

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Simi Valley, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Fort Pierce, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-20

Tunnel Hill, IL

Billing disputes

Credit card:

Complaint: I lost my job a few months ago, have not found another yet despite sending out several hundred resumes. I am also twice widowed so have no financial help. This has caused me to miss a payment on my Nordstrom card as I have XXXX mo in bills and no income. I contacted them and they have reversed one late fee, but TD bank who finances their card now jacked my interest rate to 30 percent and my minimum payment went from XXXX month to XXXX!!!! I can not pay that, my balance is on XXXX ... not XXXX!!! I have no other choice than to file bankruptcy if they are going to inflate my payments and interest this way!! I have never even been late on a payment before and have no control over if or when a company gives me a job and feel as if they are threatening me with remarks on my statement and not going to tolerate that!!
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-20

Nyc, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had XXXX accounts at TD Bank ( checking and savings ). I started working for " XXXX '' XXXX. To get paid I had to set up direct deposit so I gave them my information, card and account number. I started working XX/XX/2016 and by late XX/XX/XXXX I went to make a purchase and was informed that my account had no funds available. When I went to the bank to find out what was going on they showed checks that were deposited into my account that I did not recognize. They informed me that another checking account was opened via phone, I did not authorize this account to be opened nor any of those checks to be deposited. After this I went to the precinct to do a fraud report which I did. After that a detective went to the bank with me to proceed with the investigation. They asked me if i had any idea who would do this and I said that the only thing I can think of is that they may have taken my account information when I set up my direct deposit. They informed me that I 'd receive a letter in 10 days, which I did not. After two months of not hearing from anyone I went back to the bank and they informed me that the account had be closed and that I had to pay the money on the account because I gave my account information to someone. But I explained to them that that was given to the company to set up my direct deposit, not to open any additional accounts without my consent or to conduct fraudulent activities.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-20

Magnolia, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I purchased a XX/XX/XXXX XXXX on XX/XX/XXXX. The vehicle was financed with XXXX. It was a three year 0 % interest loan. I paid the loan off in XX/XX/XXXX or XX/XX/XXXX. I went to trade-in the vehicle three weeks ago and discovered that I could not locate the title. I then completed an application for title to the Texas Department of Transportation with a {$2.00} fee and received back the attached letter stating XXXX had never released the lien. I spent over an hour and a half today on the phone with XXXX and got transferred ( no exaggeration ) EIGHT times. I ended up back to the same number I was given originally ( XXXX ; the title support company whom is a third party contractor used by TD Financial ) and conferenced them with TD Financial whom had taken over the loan accounts for XXXX. TD Financial had informed me that I need to speak with mytitlesupport.com and I demanded that TD Financial stay on the line and conferenced in XXXX so I would n't be transferred again. The bottom line is that XXXX ( now TD Financial ) never sent me my lien and apparently are going to " look through their archives '' to see if they can find the lien release. If not, they will send me a " no interest '' letter stating that the " no interest '' letter will work the same a lien release letter. And to top it off, the third party contractor will only research the lien for a {$30.00} fee ( {$23.00} on line fee ) when in fact TD Financial is the company that has the actual records but they will not send me the lien release directly because the third party contractor must be paid and TD Financial will not waive or reimburse me the fee.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-03-20

FL

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: *** All information detailed herein is supported by attached email documentation*** After receiving a prequalification letter in the mail from TD Bank on XX/XX/XXXX I completed an application for a Home Equity Line of Credit to replace the existing one I have for the same amount. On XX/XX/XXXX I received notification from TDBank indicating my credit score to be XXXX. On XX/XX/XXXX I received another letter stating that my Home Equity Account application had been conditionally approved based on information provided. - On XX/XX/XXXX I submitted requested documentation to TDBank and notified assigned loan officer XXXX XXXX by email. - On XX/XX/XXXX additional documents were requested by XXXX XXXX which I submitted on XX/XX/XXXX. - On XX/XX/XXXX XXXX XXXX stated via email that the only other document needed now was an escrow analysis of the subject property. - On XX/XX/XXXX requested information sent to XXXX XXXX. - On XX/XX/XXXX underwriter sent file back to XXXX XXXX for more information. - On XX/XX/XXXX i submitted requested information. - On XX/XX/XXXX underwriter requested additional information. - On XX/XX/XXXX I submitted requested information to XXXX XXXX. - On XX/XX/XXXX underwriter requested additional information. - On XX/XX/XXXX I submitted information requested to XXXX XXXX. - On XX/XX/XXXX underwriter requested additional information. - On XXXX/XXXX/XXXX I submitted additional information requested by underwriter. - On XX/XX/XXXX XXXX XXXX contacted me by telephone and stated that the underwriter could not understand the income shown on the paystubs as they related to my employment with the XXXX. I indicated to XXXX XXXX that the paystubs if multiplied accordingly, would provide the annual income I had reported. I additionally stated that the underwriter did not wish to verify my income with my employer. - On XX/XX/XXXX XXXX XXXX contacted me by telephone and stated that the underwriter was going to deny my Home Equity loan because she could not understand the math in the paystubs and could not include my income from the school board in the overall calculations. I expressed shock and informed XXXX XXXX why the underwriter had refused to contact my employer. I also stated that XXXX XXXX from XXXX had no problems verifying same income from my employer in XX/XX/XXXX. I also conveyed to her that the underwriter continued to ask for additional documentation, after she, XXXX XXXX, had stated that the file was complete? - On XX/XX/XXXX i received a letter from TDBank denying my Home Equity loan application. - On or about XX/XX/XXXX I informed XXXX XXXX that I considered this action discrimination due to my age ( XXXX years old ), as proven by the number of times the underwriter continued to ask for addiitional documentation as to discourage me from continuing and the fact that she refused to contact my employer. XXXX XXXX stated that her supervisor would contact me. - On or about XX/XX/XXXX XXXX XXXX 's supervisor contacted me. I told him that the underwriter had made a decision without verifying my income with my employer and also trying to discourage me from continuing the loan. The supervisor agreed that the underwriter had to contact my employer, but that she was simply very incompetent. I submitted to XXXX XXXX information to contact my school board employer again. - On XX/XX/XXXX XXXX XXXX asked for personal documentation to contact the XXXX which I readily provided on XX/XX/XXXX. I consider myself a victim of age discrimination. TDBank did everything possible to discourage me from continuing my application. The process, which was initiated on XX/XX/XXXX was still trying to be resolved on XX/XX/XXXX,115 days.There has not been any more communication from TD Bank , the last being from XXXX XXXX via email dated XX/XX/XXXX at XXXX. -
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-20

Queens, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I opened a home equity line of credit ( can be used similar to a credit card, against the value of my home ) with TD Bank a few months ago. My limit was XXXX. The only transaction I did was for the amount of XXXX, to pay off my remaining mortgage and home down payment. When my first statement arrived in my home, the balance stated over XXXX. More than XXXX was spent by someone else, using my card that TD Bank said they had mailed to my home, but I never received the card. Somehow, these people activated my card and used it on a spending spree all over the city -- at many ATMs to withdraw cash, XXXX, and many luxury goods stores along XXXX XXXX in XXXX. Since then, as they asked, I filed a police report ( that I will attach ), and it 's been over 6 weeks. TD Bank will not return the funds to my account. They are in a never-ending state of " We are still investigating '', but meanwhile I can not use that balance in my account for business matters. It is causing me great XXXX to have this hanging over my head.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-19

Newark, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-19

Key Biscayne, FL

Incorrect information on credit report

Credit reporting:

Account status
Complaint: My issue is an account furnished by Target this account was paid in full as a charge off and should not be currently reporting as late. I have address this issue numerous times thru letters sent and no correction has been made nor have I received a letter saying its been verified or updated.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-18

Huntsville, AL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response