TD BANK US HOLDING COMPANY

2017-03-06

San Luis, AZ

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Billerica, MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: " Open a TD Premier checking account and receive direct deposits totaling {$2500.00} or more and earn {$300.00} promotion '' XX/XX/XXXX : Opened a TD Premier checking account and funded it. XX/XX/XXXX : Direct deposit totaling {$2500.00} requirement was met. XX/XX/XXXX : No bonus has been credited to the account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-06

Lewisville, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: TD Bank was the lender for an auto loan that I paid off a few years ago. I have had an extremely difficult time getting them to respond to my letters. TD Bank is reporting to the credit bureaus that my loan was 30 days late on XX/XX/2014 This is NOT accurate information. All of my payments were on time as I had the loan set up through my bank to automatically send payments via electronic transfer each month. I was a very good customer to TD Bank and do not understand why they would not want to correct their mistake. My payment was never 30 days past due. I have filed a complaint with both the XXXX & XXXX Attorney General offices as well.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Yeagertown, PA

Transaction issue

Credit card:

Complaint: I used my TD Bank credit card to purchase XXXX baseball jerseys. After receiving the first one, I realize that the website was a scam and they were not authentic as the website indicated. Additionally, the website would n't give me an address to return the item. I spent several hours arguing the issue with TD Bank and requested a refund through the dispute office. They claimed that I did not submit enough information even though I feel like I did. Also, TD Bank is now saying that they ca n't refund me because it has been too long since the purchase even though I notified them of the issue the day that I received the jerseys. The website that I made the purchase from has since been identified as one selling counterfeit items : XXXX I believe that TD Bank did a very poor job in representing me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-06

Brooklyn, NY

Billing disputes

Credit card:

Complaint: I want to file a complaint against TD Card Services ( TD Bank credit card company ) because TD Bank arbitrarily and capriciously sided with the merchant, XXXX during a credit card dispute. TD Card Services was given all evidence to prove that ( 1 ) I was supposed to receive a promotion in amount of {$150.00} and that services were n't provided, so I tried to refund the gratuities in amount of {$240.00}. TD Card Services assigned case # XXXX. After clear and convincing documentary evidence, I would expect that the TD Card Services would issue me credit in amount of {$380.00}. If this does n't get resolved, I will definitely proceed with a complaint in XXXX Civil Court.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-06

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My husband and I are XXXX and we recently had an issue with our mortgage payment. While we had been overpaying our mortgage for the last 2 years, a change in the monthly escrow payment in XX/XX/XXXX resulted in an underpayment situation. While we were paying our mortgage payment each month, we were slightly off ( XXXX-XXXX USD ), and as a result our credit report now reflects two 30 day late payments. To be clear, we sent our mortgage payment each month, but because it was not the right amount TD Bank marked us as late until they received the next month 's payment to apply the additional {$20.00} needed. TD Bank sent notifications of the change in escrow, not to the right address. From talking to two separate TD Bank reps I understand in our account notes it shows a long history of returned mail since XX/XX/2016. Despite this mail being returned TD Bank did not call our telephone numbers on file or email us. Since initiating the dispute I looked at my account online and found I HAD updated our address online, but TD Bank required I send this request in formal writing. I did not see that request in my online account message board. In the attached paperwork you will see we requested TD Bank remove the two 30 day late records- based on the mail issue, the fact we were sending in payments on time, just the wrong amount, and our history of timely payments that were in fact over-payments, vice under. We also attached XXXX ( like XXXX ) explaining we are XXXX, which helps to explain why we were n't getting the mail. This is an important issue to us, as our credit scores had been XXXX, and now they have dropped significantly. Depite all this paper work TD Bank refused to remove the two 30 day late notices. I believe they should remove these notices as : we had updated our address online, but their system did not reflect same ; we had a positive overpayment history with this mortgage ; and TD Bank made NO EFFORT to contact us via the valid telephone numbers and email addresses online, dispite getting all correspondence returned to them. We appreciate your attention in this matter. Please advise if you need any other information from me. Regards, XXXX XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-06

Great Neck, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Td bank accepted an fraudulent check against my account for XXXX three weeks ago. I contacted them immediately and went down to bank to fill out all paperwork and police report ( XXXX XXXX ) the check against my account was so fake even the branch said it was crazy, and it didnt event have a full endorsement. After repeated calls to bank, Im getting nowhere. They say its under investigation from other bank, and no one can tell me when im getting my money back, they make it almost feel like its my fault leaving my money in their bank. It was a mobile deposit against theyre bank, and no one can tell me where the check was even cashed. I called fraud line 10 minutes after it appeared on my online banking account, now I had to get a new bank account, im late on bills, and my wife had to take a half day off of work to file claim
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-03

Fort Lee, NJ

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-03-03

Raymond, NH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

Credit line increase/decrease

Credit card:

Complaint: HAD THE TARGET RED CARD FOR A WHILE NEVER GOT A CREDIT INCREASE AND TARGET SAYS I CANT REQUEST AN INCREASE THEY HAVE TO OFFER IT TO ME
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

Phila, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-03

Allenwood, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: This is a formal complaint that you are reporting inaccurate information on my credit report that is damaging my score. I paid this account thinking it would help my credit and be corrected but it did the opposite. Here are the inaccuracies or the inconsistencies between all there reports : Account Status : XXXX - Derogatory XXXX - Paid XXXX - Derogatory Terms : XXXX - 72 months XXXX - 72 months XXXX - 0 months Last Reported : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Comments : XXXX - Payment after charge off/collection. Paid profit and loss XXXX - Unpaid balance reported as a loss by credit grantor. XXXX - Paid charge off Auto Date of Last Activity : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX Date of Last Payment : XXXX blank XXXX - XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-02

Arverne, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-02

Stratford, CT

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-02

Gloucester City, NJ

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: On XX/XX/2017 I noticed a delinquent notice on my credit report from TD Bank, statng I was 120 days late on a credit card. I called TD bank and their fraud dept on XX/XX/2017 and again XX/XX/2017. I was told by TD bank agent on XX/XX/2017 that the account was not mine and I was not response for it. I was also told by the TD agent that they would contact all three credit agencies and correct the same and also send me out a letter as to not being responsible for this account as well. As a result of this mistake from TD bank, my FICO score went from a XXXX to a XXXX. Its been over a month and I did receive a letter from TD bank as to this account not being mine nor am I responsible for it but TD bank still has not corrected my credit report of this erroneous delinquent account by removing it, Now, other creditors of mine such as XXXX, XXXX etc. have cut my available credit with them in half as a direct result of this negative reporting by TD bank. This TD accont is a credit card ending in XXXX or XXXX both come up in the credit report and both are the same account. I have tried several times again and again to contact TD banks fraud dept but only each time to be placed on hold for 1 hour and 14 minutes or longer with no one ever picking up the phone. I have also informed experian of the above on XX/XX/2017.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-02

Lewiston, NY

Incorrect information on credit report

Credit reporting:

Account status
Complaint: The lender reported my account as 30, 60, and 90 days late. I was not able to access my account due to my account registration information being lost in the mail and simultaneously did not receive the bill ( letters being sent to an incorrect address ). After I was contacted via phone by a collector, I promptly paid the debt and the account has been in repayment since. This account should not be marked as late, I had no knowledge of how to pay or that I was even late.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-02

NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am writing to complain about excessive overdraft fees on my TD BANK checking account. NOTE : I am intentionally enrolled in the TD Bank Debit Card Advance program which allows me to overdraw my account for a {$35.00} overdraft fee. Although I think this is excessive, I accept this in exchange for the ability to overdraw my account occasionally. What I DO NOT accept is incurring multiple fees due to the methods banks use to process and post my transactions. For example, on Friday XX/XX/2017 I intentionally withdrew {$100.00} cash from an ATM expecting a {$35.00} fee. That was the last time I used my debit card. When I checked my balance today, it showed an additional {$140.00} fee due to transactions the bank says occurred on Monday XX/XX/<YYYY> They explained this is due to processing delays. They credited my account for {$35.00} as a courtesy and said they could provide no more credits due to an annual limit on fee credits. I firmly believe banks are taking advantage of delays in processing as a way to charge excessive fees. From my POV, I watched my balance and made charges which were approved by the bank because the funds were available. The bank immediately lowered my Available Balance after I made these charges. This works correctly. I then needed some extra cash so I decided to overdraw my account by withdrawing {$100.00} from an ATM knowing I would receive a {$35.00} fee. This part does not work correctly. The bank says ( XXXX ) transactions which I physically made before I ioverdrew my account on Friday XX/XX/2017 actually cleared my account on Monday XX/XX/2017 and therefore are subject to {$35.00} fee each. XXXX of these transactions were less than {$35.00}! The customer service rep said I can turn this service off implying I am in control and it 's my fault for using the service. This is not the issue. I like the flexibility this service provides. My complaint regards the way banks abuse this feature to charge excessive fees and turn XXXX overdraft fee into XXXX claiming they can not control the way they process charges. I believe they can if they were required to. If banks are able to adjust my Available Balance immediately, they can also use this data to determine overdraft fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-02

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XXXX XXXX, my debit card and pin was compromised and I had {$300.00} withdrawn from my account without my knowledge and I was also charged {$170.00} in overdraft fees ( {$35.00} x 5 over the course of 24 hours ). I have reason to believe that it was compromised at a TD Bank ATM. On XXXX XXXX, money was taken out from a TD Bank location in XXXX less than an hour after I made a withdraw in XXXX. TD had flagged the account for fraud activity but never contacted me in any way. The card used also did not have a security chip while the XXXX issues to me did. After a 2 week investigation, TD Bank refunded the {$300.00} that was withdrawn and {$70.00} in overdraft fees. But because they had posted the overdraft fees before the fraud transactions, they are giving me a hard time returning the other {$100.00} that they charged me for this fraud transaction. They have promised me to return the money the following day twice but I have yet to receive any kind of credit for it. They are holding my money hostage, but still charging me monthly fees all because of their practice of placing some transactions before others rather than in the order in which they occurred in order to charge overdraft fees and collect money. This has been a nightmare and I am forced to be on hold for XXXX60 min anytime I call customer service. I even went to the branch manager and he brushed me off and told me I would have it tomorrow but nothing ever came. TD Bank should be barred from pursuing this practice against consumers! Transactions should be placed in the correct order that they were made, not how TD feels whats best for them. As of now, I was charged {$100.00} in overdraft fees on an account that had over {$100.00}.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-02

Miami, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-02

Bohemia, NY

Using a debit or ATM card

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-01

Boynton Beach, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-01

Columbia, SC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-03-01

Hempstead, NY

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-01

VT

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: We have had business and personal accounts with a particular bank for decades ( combined ), with the local branch having played an important role to helping our business get started. My husband and I are sole owners, which is evidenced on all the signature cards. We live in a rural area and there is no mail delivery on our road, so have a XXXX XXXX When the bank mailed several of our business credit cards to the street address vs. the mailing address ( again ), they of course never arrived. With 3 days to spare before the cards expired, we made arrangements for replacement cards to be sent to the local branch for physical pickup so we could activate and get into employee hands before the old cards expired. The only employee left who would have known our history was out for the afternoon, so the inexperienced bank employee would NOT release them to us, would only release to the employee who were nowhere around due to the nature of our business. No matter what we did to explain that we own the business credit card account, not the employee, and that the employee ca n't activate the card without our personal info, nor would they agree to call their internal card services dept to verify we asked the cards to be overnighted to the branch and why, they simply refused to give us the cards we requested. I then asked them to mail the cards to our business mailing address ( XXXX ), they did, but instead of going to the XXXX to mail, they put them in their internal courier system and I did n't receive for 15 days, well beyond when several cards had expired for my employees. In my utter frustration since this was n't the only business account that we 'd had major service issues with, we began to move accounts to another bank, including the direct deposit accounts for Health Savings Accounts for XXXX of our employees. We completed the information to do a bank to bank transfer of the HSA funds to ensure the proper coding, submitted the forms to the bank on XX/XX/2017, and re-submitted 2 other times since, in spite of fax transmission records to prove otherwise, they claimed they never got them. The XXXX HSA accounts were never closed until XX/XX/2017, while the bank continued to asses {$4.00} per month service charges to each account. Then, the checks got lost in the mail again ( hmmm ) and were n't received by the new bank until XX/XX/2017 for credit to the new accounts. The obvious other piece is that my employees had no access to those funds to pay their medical bills for all of that time, and XXXX of them received late charges from medical bill collectors for non-payment, all due to this bank taking this extraordinarily long time, from XX/XX/2017 till XX/XX/2017 to get funds transferred. This is very, very, very poor service, very poor practice to assess fees and refuse to reverse them by taking any responsibility for their own internal practices.
Company Response: Closed with explanation

Disputed: No Timely Response