TD BANK US HOLDING COMPANY

2019-09-04

Calabasas, CA

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 non-monetary relief

Timely Response

2019-09-04

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-04

Del Valle, TX

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-09-04

FL

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: XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX of XXXX- XX/XX/XXXX The inquires were not authorized and I dont recognize them
Company Response: Closed with explanation

Timely Response

2019-09-03

New Orleans, LA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Company Response: Closed with explanation

Timely Response

2019-09-03

Hammond, IN

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2019-09-03

Billerica, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: TD Bank froze my checking while I'm out of the country. I tried to use XXXX and ACH transfer to move my salary over to a checking account at another bank. So there was nothing out of the ordinary prior to freezing my funds. Customer service informed me that that I can only resolve this at a branch. First bank I really don't trust with my money.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-03

Wrightsville Beach, NC

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was result of identity theft
Complaint: XX/XX/2018, Delivery Via CFPB, Board of Directors, TD Bank XXXX, XXXX XXXX XXXX XXXX, Maine XXXX - Dear Members of the Board, Please accept this as a Formal Notice of the following allegations and facts as they are known to me. The Sarbanes-Oxley Act ( SOX ) was designed to restore investor confidence in capital markets and help eliminate financial statement fraud in publicly traded companies, while at the same time significantly increasing the penalties for corporate accounting fraud. I have developed material fact, giving rise whereas it is alleged, TD Bank is currently benefiting from false liens followed by the entry of false and fictitious data into a state-maintained a database to falsely account for money. - TD Bank / Duty to Investigate - Several factors go into a Board of Director 's decision as to whether a fraud investigation should be performed. One of the most deciding factors is where applicable federal law would require an inquiry into the fraud or disclosure of known fraud to a government agency. Should TD Bank find the law imposes such a duty of the Board, its Directors, and Officers, and the company fails to comply, severe penalties can result. Several laws impose disclosure requirements on businesses, including 1 ) Monitoring and public reporting statutes, 2 ) The Sarbanes-Oakley Act, 3 ) False statement statutes, 4 ) Civil law duties to a company and its shareholders, 5 ) Accountants and internal auditors duties to investigate, 6 ) External auditors duty to investigate - The Securities and Exchange Commission - The SEC takes the position that senior management and corporate counsel who fail to investigate alleged misconduct and fail to establish appropriate procedures for limiting the prohibited conduct may be held liable for violation the Foreign Corrupt Practices Act ( FCPA ). Similarly, directors and others specified in reporting statute are responsible for ensuring the accordance of required corporate public filings, such as prospectuses, proxy statements, and annual reports. The SEC has held directors liable for reporting violations may exist not only when responsible individuals actually know of misconduct, but also where they know of facts that indicate possible wrongdoing. The SEC has stated that it will not tolerate benign indifference to employee misconduct. Thus an internal investigation into XXXX XXXX XXXX as Trustee and or Custodian, counterparties of TD Bank seems appropriate and necessary under the well-documented circumstances to ensure that public statements and reports are accurate and or amended and, where required, to establish adequate procedures to prevent and limit the illegal conduct. The failure to investigate can lead a company to include inaccurate or misleading facts in public filings, for which the company and its directors and other senior management may be held liable even absent fraudulent intent or actual knowledge of the falsehoods. That having been stated, please consider yourself, as a member of the TD Bank, Board of Directors, hereby Noticed of Document Custody Errors due to the failure of TD Bank, its trustee ( s ), predecessor in interest, successor in interest, parents, affiliates, subsidiarys, agents, employees, officers, directors, shareholders, and attorneys relating to the ongoing loss and harm, from certain obligations, debts, known to TD Bank, due to the failure to transfer accurately, under 12 CFR 1024.35. This failure has resulted in the assignment of False Liens and Clouded Title against 33 unknowing property owners resulting in Unmarketable Title to approximately {>= $1,000,000} of adjoining real property on XXXX XXXX. TD Bank, as Servicer has the duty with respect to document custody to monitor and oversee lien assignments, including the recording of assignments, which include document exceptions. TD Bank failed to oversee the assignment of False Liens against multiple properties located within the XXXX XXXX subdivision further described and recorded in Map Book 9, Page 27 of the XXXX XXXX County Register of Deeds. One such property is my home, XXXX XXXX XXXX, XXXX XXXX, NORTH CAROLINA XXXX. My property was wrongfully encumbered due to, XXXX XXXX XXXX, Trustee allegedly conspiring with one or more third parties by Double-Pledging multiple unrelated contracts against my home and my neighbor 's homes. The underlying deed was returned to XXXX XXXX XXXX, and marked Paid in Full and Satisfied, recorded in Book 2439, Page 0236 at XXXX XXXX County Register of Deeds. This deed was further encumbered by and through the attachment of Seven un-constitutional hidden C-PACE liens. Upon information and belief, material issues exist with respect to the underlying contract, as most significant the custodian lacks possession. TD Bank having again been made formally aware of these continuing and ongoing errors under 12 CFR 1024.35. It is the understanding of the undersigned, XXXX XXXX XXXX trustee is responsible for enforcing the representation and warranties that the seller/depositor gave. As such, XXXX XXXX XXXX manufactured a " SELLER '' affidavit titled Lost Note Affidavit wherein Mr. XXXX XXXX for Parcel Identifier No. XXXX, yet, Mr. XXXX XXXX lacked a valid interest in this deed, therefor Mr. XXXX XXXX could only sell what he had, which was nothing. XXXX XXXX XXXX remains in physical possession of this unencumbered deed recorded upon Book 5061, Page 653 upon the XXXX XXXX County Register of Deeds. Neither XXXX XXXX XXXX or XXXX XXXX XXXX have provided any representations or warranties to TD Bank or any other party with respect to these deeds. These deeds have not been sold by the fee simple owner nor has any interest been, granted to a trustee, or a third party for hypothecation or rehypothecate purposes. Here it appears TD Bank by and through other parties participated in a scheme of double pledging assets they did not own, and now are unable to deliver the treasury, causing a daisy chain of cumulative repo-fails. As has been explained to me, a repo fail occurs when one party steals an asset it does not own, therefor the thief is unable to return the treasury to the owner. To remove any ambiguity, at no time did XXXX XXXX XXXX, apply for, borrow or become obligated for loans in the sum ( s ) of {$560000.00} and {>= $1,000,000} respectfully for the benefit of TD Bank or a third party. XXXX XXXX XXXX / XXXX XXXX XXXX reserve all rights in common law, statutory law, both Federal and State and in equity resulting from ongoing ensuing losses by the failure of TD Bank and its Trustee, XXXX XXXX XXXX to properly oversee monitor and investigate these facts as they relate to the Foreclosure Action under a DOT from XXXX XXXX XXXX, including but not limited to any claims arising under the Fair Credit Reporting Act, the Fair Debt Collections Practices Act, the Truth In Lending Act, and the Real Estate Settlement Procedures Act. Please take further notice, a self-described high bidder wrongfully took and carried away the personal property of the undersigned and his XXXX year old son without the consent of the Note Holder, ( The Lender or anyone who takes this Note by transfer and who is entitled to receive payments under this Note is called the Note Holder. ) This as the note is not lost, it was correctly returned to the undersigned borrower marked paid in full and satisfied. Whereas, good and credible evidence exists in support of the above, respectful demand is hereby made upon, the Board of Directors of TD Bank, given the large sums involved, to facilitate an emergency board meeting allowing Board of Directors to mitigate ongoing losses believed to cloud property titles, pledged with certain government entities, deeming each deed un-marketable and collectively having a value believed to exceed an {>= $1,000,000}, therefore notice is hereby provided to the Board of Directors to reserve accordingly. In the interim, a request made upon TD Bank to prioritize the physical return of the personal property to XXXX XXXX XXXX that was wrongfully taken and carried away without the consent of XXXX XXXX XXXX. I would invite the Board of TD Bank to contemplate the outcome of destroying the property rights and records of homeowners who never defaulted on the mortgage and are now forced to litigate boundary disputes and property rights with adjoining neighbors, along XXXX XXXX. Regards, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, NC XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-31

Sandy Hook, CT

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Complaint: I found the same debiting of my TD Bank. Checking account. They paid on an item XXXX XXXX XXXX for {$1.00}. There are a lot more. The bank said they could not do anything. 16 + I haven't finished going through the statements I have.
Company Response: Closed with explanation

Timely Response

2019-08-31

Brooklyn, NY

Money was not available when promised

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

Complaint: I have been a customer of TD bank for over 5 years.On XX/XX/19, I went into TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for an international wire transfer from my TD bank account to my XXXX XXXX account in XXXX.I went into TD bank with a bank statement from XXXX XXXX that contained all the information required to facilitate the transfer.The amount to be transferred was $ XXXX.US dollars and I was advised that it would equate to XXXX British pounds and that it should be in my XXXX XXXX account by XX/XX/19.I travelled to XXXX on XX/XX/19 because I needed the money to buy a property in XXXX. I went into XXXX XXXX in XXXX, XXXX on XX/XX/19 but the transfer had not arrived but was advised by my bank in XXXX to wait for a few more days. I checked again on XX/XX/19 and the money had not arrived. On XX/XX/19, I rang Td bank from XXXX to notify them about what had happened and was advised to call back on XX/XX/19, which I did.I was then informed that an investigation would need to be conducted.I returned to New york on XX/XX/19 and deposited a pay cheque into my account on XX/XX/19, I discovered that a payment for {$28000.00} dollars had been credited to my account without prior notification from anyone. On XX/XX/19, I went into TD bank in XXXX XXXX.and requested to speak to a supervisor.I was seen by a lady called XXXX and explained to her what had happened.She advised me that the money paid into my account was a refund but that she needed to look into the matter.I informed that the refund is about {$1900.00} dollars short of the original amount and that I was not prepared to suffer a loss of almost {$1900.00} due to a failed international wire transfer because I had provided all the information that was required for the transfer.On XX/XX/19 a few hours after seeing XXXX she rang me to inform me that she believed that some type of error had occurred but she still needed to investigate the matter. On XX/XX/19 XXXX rang me to inform me that the lady who did the wire transfer had just returned from vacation and the reason why the transaction failed was because of an invalid account format.I advised XXXX that my XXXX XXXX account is still live and valid.I am appealing to CFPB because without your intervention I dont believe TD bank are willing to resolve this issue.I have already lost money by travelling to XXXX and failing to achieve my aim.I was not able to proof to the seller I wanted to buy the property from that I had sufficient funds available to purchase the property.
Company Response: Closed with explanation

Timely Response

2019-08-30

Bedford, 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: There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-30

Bergenfield, NJ

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-08-30

Lompoc, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-08-30

GA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: For over 15 years, I have been a TD Bank customer, the past 9 years I have been living and working in XXXX, GA. Prior to that I had a visited branches in NJ, NY and ME. For the past 5 years, I have only used TD Bank online and have not been into a TD Branch as there wasnt a branch even remotely close to my Georgia address. In XX/XX/XXXX, I moved abroad ( XXXX, XXXX ) with my Company, and received a new mobile number and am now at my new address. I am experiencing the following issues : - The online system does not recognize the computer Im logging in from, and requires a text with a code be sent to my disconnected cell phone number in order to authenticate the login credentials ( user ID and Password ) that Ive been using continuously these past years. As Im unable to validate my credentials using my old cell number, TD Bank will not allow me to log into my account. - When I call the Customer Service Center I am asked to provide my Branch Password, it has been explained to me that this is the password I use at the branch I go to, I explain that I havent been to a branch in years and am told that the only way I can unlock my account, change my phone numbers, update my address or really accomplish anything is by going to a branch. I have escalated this up to a supervisor multiple times and am told different things each time, but it always ends with I have to go to a branch. Since XX/XX/XXXX, TD Bank has locked me out of my accounts, with no way to regain access other than to visit a branch on the XXXX XXXX of the United States. I dont plan to travel back to the United States until the Summer of XXXX, even then I will only be on the XXXX XXXX without access to a branch. Please provide instruction/direction on how to regain access to my accounts.
Company Response: Closed with explanation

Timely Response

2019-08-30

Fresno, 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

Their investigation did not fix an error on your report
Complaint: I made my Car payment for XXXX and XX/XX/2018 at the same time and TD AUTO FINANCE did not apply my payment for XXXX and placed a late payment on my credit report.
Company Response: Closed with explanation

Timely Response

2019-08-30

Key Biscayne, FL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened my TD { in } convenience account under these " Terms '' online on XX/XX/2019 from the OFFICIAL TD BANK website for a {$150.00} promo they had going on at that time : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. '' Wait time was " no later than 95 days '' as per the terms. A month and a half after 95 days i sent them an email stating " Hello, I opened my account back when the {$150.00} promo was going on, it feels like its been over 125 days already. Any updates? Thanks. '' To make a long story short, this was their reply " Good afternoon, XXXX. Thank you for contacting us today about a recent promotion. We apologize for any confusion, XXXX. We had 2 types of promotions running when you opened your account. One was a mailed offer and one was available in Ads on sites that were not www.tdbank.com. Our promotions department reviewed how your account was opened and we show that you used a promotional link from one of our mailed promotions instead of an Ad link from another website. As we did not send a promotional mailer to your address in your name, you were not eligible to use the promotional link provided on our mailers to apply for the {$150.00} bonus. '' Mind you, I found this promo ONLINE, I didn't even know they had a mailer for that.
Company Response: Closed with explanation

Timely Response

2019-08-30

MA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: This is an additional complaint in connection to a previous complaint # XXXX about TD Bank. Since the previous complaint, more issues have arisen with lack of communication and professional responsibility. In XXXX of 2019, we faxed the required forms and supporting documents to TDBank for probably the third or fourth time. Then they sent us a letter once again saying we were missing a form for XXXX XXXX. Thus, we completed and faxed that form with another set of copies of the supporting documents. XX/XX/2019 we received a letter from XXXX XXXX ext. XXXX of TDBank 's Loss Mitigation Dept. stating that they had everything and would be reviewing our loan modification. Then, THREE TIMES after, we received letters from TDBank stating that they still needed our tax forms and my husband 's P and L from his business that we had already given to them. We kept resending them to no avail. By the third letter, which included a letter from their lawyers, XXXX XXXX, on XX/XX/XXXX, I decided to call their paralegal XXXX XXXX to find out what was going on. She clarified that TDBank needed XXXX to complete their P and L form, because they couldn't understand his. If this had been clearly communicated before, we wouldn't have had to send the same things out multiple times. ( If you refer to our past complaint, this is an example of a constant issue. ) XXXX got everything over to XXXX through an email, and she clarified that she received it and would let us know if anything else was necessary. We have waited since XXXX to hear the outcome. In the process, on XX/XX/XXXX, we received a packet stating how much we were in arrears and that we would be perfect candidates to apply for a loan modification within 60 days!! Which made absolutely no sense, whereas we were currently waiting to hear about the results of our application already. XXXX XXXX, our HUD Advisor at XXXX XXXX XXXX attempted to call TDBank at the beginning of XXXX to get some clarification, but was not able to get through to anyone. ( This is another example of the issues that have constantly been occurring. ) I finally called on XX/XX/2019 since we hadn't heard anything. I spoke with XXXX XXXX XXXX # XXXX. She stated that we were denied, because XXXX XXXX felt the payments would be too high. She couldn't explain why we didn't receive notification, or why we got the packet on XX/XX/XXXX. I explained to her that if this had been solved 5 years ago, and if TDBank would accept payments from us this entire time, it would not be this extreme and the amount would not be so high. On paper, it looks like we haven't tried to pay anything and are at least {$90000.00} in arrears. TDBank refuses to take any payments unless it is the entire amount, and they have set us up to fail over the past 5 to 6 years. We just want to pay our mortgage, and eventually own our home.
Company Response: Closed with explanation

Timely Response

2019-08-30

Bedford, 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: There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Company Response: Closed with explanation

Timely Response

2019-08-29

MA

Other features, terms, or problems

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

Problem with customer service
Complaint: TD Bank representatives and supervisors refused to tell my how would my payment to a credit card account be allocated ( purchases, balance transfers, etc ). They say that the allocation can only be disclosed top me AFTER I make the payment. They even refuse to tell me what will be the allocation of the payment part that exceeds the required minimum payment. I called TD Bank at : XXXX. The representative I spoke to identified herself as XXXX, her supervisors were XXXX and XXXX. The address given is : TD Bank Marketing Department XXXX. XXXX XXXX XXXX, Maine XXXX
Company Response: Closed with explanation

Timely Response

2019-08-29

Nyc, NY

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Complaint: I was sent a letter stating my account had been closed due to return checks. I was told when I called your customer service department in mid-XX/XX/XXXX that my account was under a security alert as someone had compromised my account and they had placed a security hold on my account. Once I found this information out I stopped the checks as I thought my account had been compromised. I later get a letter stating my account was closed due to the checks being stopped yet I never got a letter, call or email as to why my account had a security hold and the explanation of such. I took action as anyone who thinks there account has been compromised. I always have made my payments on time. Even now I have made each payment requested. I want my account re-opened as I was never informed or given an explanation as to why my account had a security hold and what a security hold was. I simply took it as someone had compromised my account and acted accordingly. Please review this letter and statement so as to re-open my account.
Company Response: Closed with explanation

Timely Response

2019-08-29

Nyc, NY

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Complaint: On XX/XX/2019, I opened up a checking account with TD Bank. If I met certain requirements, I would receive a {$300.00} bonus. This was an offer where you needed to open the account online. When I tried, I couldnt so I called. The representative on the phone implied that I may have had an account with TD in the past ( which I didn't ), and transferred me to someone else who confirmed that Ive never had an account with TD. He then transferred me back to the department that could open the account, but also gave me the option of going in a branch and opening the account. I asked would I still be eligible for the bonus and he said yes. So I went into a branch and opened the account. I confirmed with the banker that I would be eligible for the bonus even though I was opening the account in the branch. To my understanding, the bonus was to be deposited into the account no later than 95 days after the account being opened. When I hadnt received the bonus, I called customer service and a lady said that she would email another department and to call back in a few days. She also suggested going into the branch. So I went into the branch and the banker said a manager would give me a call. I never received a call. I called customer service 1 or 2 more times and the customer service never received an email back from the lady that sent it. The last time, a representative said that the requirements were that it would be deposited to my account within 120 days of opening the account. I didn't believe it was 120 days, but I said I would wait to see what happens. Today is the 121st day and I haven't received the bonus so Im filing this complaint because I don't think I will get anywhere trying to speak with TD again.
Company Response: Closed with monetary relief

Timely Response

2019-08-29

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-08-29

Indianapolis, IN

Incorrect information on your report

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

Account information incorrect
Complaint: I had interest charged to my account after I paid the full amount due, after which a {$1.00} interest charge was added to my account, unbeknownst to me. As such, when the next billing cycle came around that {$1.00} was still due, thus taking it over the 30 day mark and the Target Card Corp. reported that to all three credit bureaus. They reported it initially as {$100.00} past due, then it changed to {$1.00} past due. I filed a dispute with XXXX and the result was Target Card updated the late amount to {$28.00}. If they MUST report it, the correct amount should be reflected which is the {$1.00} interest charge. I think it should be against reporting policy to report any amount under {$100.00}, this {$1.00} reporting has dropped my credit score down several points ( 20 ), this is unacceptable. I have since paid the account in full, and closed my Target Card, and will never shop at this store again because of this! This is not okay and should be removed from my credit file, if not removed updated to reflect accurately information. Mind you the credit limit on this card was a nominal {$300.00}
Company Response: Closed with explanation

Timely Response

2019-08-29

Northbush, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I made a merchant dispute with TD Bank in XX/XX/XXXX and received provisional credit. On XX/XX/19 part of the provisional credit was removed 56 business days after the dispute was opened. The portion of the dispute that was taken back by the bank caused my account to go negative, the bank then charges me an overdraft fee of XXXX dollars although the XXXX dollar fee was not associated to when i received the provisional credit. The bank told me that they could charge me the XXXX fee although the account going negative was a direct cause of them removing the provisional credit, my account had a positive balance before hand. I find this type of business to be unethical and fraudulent. This is an excessive fee!
Company Response: Closed with monetary relief

Timely Response

2019-08-28

Phila, PA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response