TD BANK US HOLDING COMPANY

2019-08-24

W Springfield, MA

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2019-08-24

Kings Ferry, NY

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: On multiple occasions, I attempted to render full payment on my TD Bank credit card issued in conjunction with a purchase at XXXX XXXX XXXX. TD Bank rejected payment on the purported basis that my check lacked an account number, which was a patent falsity. I again wrote a check for the full debt amount on or about XX/XX/2019. Before that check was cashed, I received a debt collection call from TD Bank, during which the employee recognized that I had made previous payment attempts. I was told that my paper check had again been rejected due to a purported lack of an account number. I again attempted to make complete payment, this time over the phone. In conjunction with my phone payment, on XX/XX/2019, {$6400.00} was deducted from my checking account, reflecting a payment of my debt in full. Then, the next day, TD Bank attempted with withdraw a SECOND COMPLETE PAYMENT of {$6400.00} from my account, based upon my physical check that TD Banks own employee claimed had been rejected. This causes by checking account to overdraft, resulting in bank fees. In addition, despite my full payment, TD Bank is now demanding that I pay a {$35.00} check return fee, despite my full payment and being told that my check had already been rejected. TD Banks behavior has been opaque and misleading. I feel as if my attempts to pay my debt in full have been arbitrarily rejected to either extend the interest-chargeable life of my debt or to cause me to incur fees.
Company Response: Closed with monetary relief

Timely Response

2019-08-24

Aventura, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2019-08-24

Orlando, FL

Getting a credit card

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

Application denied
Company Response: Closed with non-monetary relief

Timely Response

2019-08-24

Gloucester City, NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: This is about XXXX 's XXXX XXXX ' fraud case. I am not sure if this is the right place to report ... On XX/XX/19, I lost XXXX dollars from my checking account as a person name XXXX transferred the money out from my bank using XXXX 's XXXX XXXX ' feature of online banking. Up until this event, I did not know the existence of the feature and have never used it. We never enrolled for such service and never got verification prior to the transaction. Only my family member which consist of my husband, and my son and daughter know the login ID and password for online banking as they are listed under my account. We reported this to police and they gave us a report but according to the fraud department from TD, because the hacker was using the same IP address they can not refund my money back. I am not satisfied with this answer. My husband, my daughter, my son, I have been a good customer with TD bank for over 10 years and this never happened. We changed our debit card number and account number the very next day after we locked the account. We are reporting that this transaction was not made from us and the fraud department is saying that they can not do anything at this point. I conducted some research and it seems like this XXXX fraud case is getting popular across the country. According to XXXX, approximately 70 percent of fraud victims were able to get the reimbursement within a week, and the other 30 percent had to contact XXXX to report this case and file a claim via the Consumer Financial Bureau to get their money back. XXXX also tells us that " it requires financial institutions to verify that the customer has control of the email address or mobile phone number, most commonly through verification codes. '' We didn't receive any verification code whatsoever and we didn't even enroll to XXXX. I visited TD bank branch on XX/XX/19 to talk with regional/store manager and gave them all the information but they gave me final decision today ( XX/XX/19 ) that they are not going to refund me because the hacker was using the same IP address which does not make any sense to me at all. This is entirely their security issue, not the customer 's responsibility. It is unfair that they are not willing to reimburse what they lost. All I did was having an account with them and trust them with my money. Attached are the articles from XXXX regarding this case, bank statement for the unauthorized transaction and redacted police report.
Company Response: Closed with explanation

Timely Response

2019-08-23

Lakehurst, NJ

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

2019-08-23

Lewisville, TX

Incorrect information on your report

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

Account information incorrect
Complaint: TD Auto Finance reporting missed payment in XXXX and XXXX of this year. The account has been closed for over 4 years. The payment history is in accurate and against the FCRA. I want it removed with the whole account or I will take legal action after this.
Company Response: Closed with explanation

Timely Response

2019-08-23

Other transaction problem

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

Company Response: Closed with explanation

Timely Response

2019-08-23

Plymouth, FL

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: TD bank extended a debt consolidation loan with an interest rate based on an interbank transfer. TD Bank can not or will not process the interbank transfer document causing multiple collection calls. Attempts to rectify have met with no success.
Company Response: Closed with explanation

Timely Response

2019-08-23

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-08-23

NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-08-23

Allendale, MA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-08-23

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with non-monetary relief

Timely Response

2019-08-22

CT

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Complaint: Most importantly, I am not debating or concerned about the denial. I called TD Auto Finance to get some clarification about terms used within their letter. They refused and directed me to a third party who had nothing to do with the letter. The representative then verified with her supervisor that TD Finance would not be able to discuss the letter with me. Contradicting that information is the statement in the letter itself, " If you have any questions regarding this notice you should contact us at the above address TD Auto Finance, XXXX. XXXX XXXX, XXXX XXXX, MI XXXX.
Company Response: Closed with explanation

Timely Response

2019-08-22

TX

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Company Response: Closed with non-monetary relief

Timely Response

2019-08-22

Quartzsite, AZ

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: On XX/XX/2019 I bought a car XXXX XXXX XXXX, in addition I bought a mechanical protection plan valued in {$2900.00} to be applied to this car. Two weeks after XX/XX/XXXX approximately I cancelled that mechanical protection plan, then a week after TD Bank received the credit from the returned of such mechanical protection plan. Unfortunately XXXX Bank did not applied that credit to the principal of my loan, and my loan monthly payment and length remain the same. Please help to fix this issue.
Company Response: Closed with explanation

Timely Response

2019-08-22

Brooklyn, NY

Money was not available when promised

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

Company Response: Closed with explanation

Timely Response

2019-08-22

Jamaica, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-08-21

Woodland Hills, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-08-21

Haverhill, FL

Incorrect information on your report

Checking or savings account: Checking account

Account status incorrect
Company Response: Closed with non-monetary relief

Timely Response

2019-08-21

OH

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Problem with customer service
Complaint: I began receiving items back which I had attempted to return, with a form letter stating it had been determined that the items were unreturnable due to extensive wear/use. I immediately called to contest this, seeing as the returned items had been either subpar quality, or unworn with tags still attached. I reached out to the corporate office and was informed that " several people '' had followed up on the situation and determined a " concerning '' history and that no re-investigation of the non-returnable items would be considered. I was also informed that it had been determined that " our business relationship was to be terminated '', though I was still responsible for the outstanding balance on the account, even though I was no longer able to dispute my returns. The return policy clearly states there is no time limit on returns, there is no explicit mention of returnable item criteria, that the times be unworn, etc. I clearly stated in my letter that the sudden influx of returns was due to several hospitalizations that rendered me unable to try on items and process the returns. It was presented to me that I somehow abused the return policy and was therefor prohibited from further returns as well as unable to contest the appropriateness of past returns, and that no money would be refunded to my account. I was told that I would no longer be able to make purchases from XXXX, despite the fact I had just been sent a platinum credit card with an increased credit limit and a letter thanking me for my loyalty to the brand. I repeatedly asked for proof of the " excessive wear '' and other alleged abuse of the items and was told I did not have access to that information. I have the items in my possession, tags attached, and am unable to wear the items due to sizing. I should not have to pay for items that I am unable to use. My account has been closed yet I was told I was responsible for all outstanding balances, even though I am being denied the opportunity for returns. I feel I should not be held responsible for an outstanding balance without being given the same rights of other cardholders to return items for refund when indicated.
Company Response: Closed with explanation

Timely Response

2019-08-21

Bloomfield, NJ

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
Company Response: Closed with explanation

Timely Response

2019-08-21

E Fairfield, VT

Trouble using your card

Credit card or prepaid card: Store credit card

Can't use card to make purchases
Complaint: My wife and I received a {$5500.00} credit limit on a store card from XXXX XXXX in XXXX XXXX, CT, managed by TD Bank. We made some initial purchases and had over {$2000.00} available credit remaining. We set up autopay immediately and had been making on time payments for months. One month we started a new joint bank account and I neglected to change the autopay information with the XXXX TD Bank card, so the payment was declined. I quickly resolved the issue once I noticed the problem. Literally every other payment thereafter was on time via autopay. However, Our entire remaining available balance was deleted due to the once single circumstantial late payment. I called TD Bank to see if they could help, but they were unwilling to reconsider. This seems to me a very unfair practice. I would understand if there had been multiple late payments, etc, but other than the one late payment due to a change in bank accounts, every other payment was on time and I assumed we were in good standing. I only found out the credit limit had been erased because we are moving and were ready to buy a new bedroom set. Is there anything CFPB can do to help?
Company Response: Closed with explanation

Timely Response

2019-08-21

MN

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: This is new account, purchased a lawn mower and after a month we still had not received anything from the finance company so we called the place we bought the mower from and they connected us with them, at that time the first payment was already late but we paid almost double and the late fee was waived. We still have not received anything from them. There is no way to contact anyone and emails are ignored. I set up my bank account and is was verified, I set up automatic payments and all seemed well, until the next scheduled payment, they didn't take the payment and charged me a late fee. I tried several times to get things verified but there is no way to talk with anyone. I still have no idea if it set up right and may incur another late fee. I don't believe it's my fault, the website is confusing and with no way to talk to anyone or have an email answered it seems like a scam. They do it this way to collect late fees. It's ridiculous. I only want to verify that things are set up right and refund the late fee.
Company Response: Closed with monetary relief

Timely Response

2019-08-21

Medford, NJ

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response