TD BANK US HOLDING COMPANY

2019-08-16

Lady Lake, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-08-16

MA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: Between XX/XX/XXXX to XX/XX/XXXX TdBank North, in violation of my request to have Td cash advance taken off the account and alerts being put on, have ignored these requests resulting in excessive overdraft fees to the tune of a total of at leats 5 fees. The issue is not overspending, the issue is the manner in which they process deposits and debits. For instance on XX/XX/XXXX a deposit was made for {$1000.00} resulting in a positive balance but Td Bank north posted a fee after the fact because according to them the transaction occurred before the deposit. Records however, show otherwise. This bank is making hand over fist by setting up their customers for failure by imposing Td Cash Advance which results in a consumer being able to make purchases even if the money is not available to cover it. On or about XX/XX/XXXX i spoke with a representative about this product and instructed them to take it off. I also spoke with another representative shortly thereafter to discuss low balance alerts and instructed them to put it on which never happened. More recently i received notifications that the system was down and i could not log in because they were making software updates. While it is possible that the representative never properly handled the call back in XXXX it is also possible that the alerts were taken off with this software update. After realizing more recently that fees had again incurred due to transactions being paid, i contacted Td Bank to discuss a refund as i was not authorizing the use of this cash advance feature, explained my prior conversations with Td Bank but they were both unwilling to admit fault and are also unwilling to put back the 5 overdraft fees totalling {$170.00}. This is an excessive and unwarranted amount given the circumstances. On XX/XX/XXXX at around XXXX after speaking with a call center representative i asked for a supervisor who was shockingly rude : I made an attempt to reason with XXXX Call center supervisor in New Jersey and she was not only not helpful but made me feel like they were doing me a favor by allowing me to bank with them. When i asked XXXX for her employee id she would not give it to me so i asked for her name and she stated stated that her name is XXXX as in " the brady bunch '' which i interpreted as a racist remark -- it doesn't take much to read between the lines -- how many hispanics are on the brady bunch a 70s show -- this is not only offensive but completely irrelevant. Please contact this institution and obligate them to refund these fees. I greatly appreciate your assistance in this regard.
Company Response: Closed with explanation

Timely Response

2019-08-16

MN

Other features, terms, or problems

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

Problem with customer service
Complaint: Unable to login to my account. Seems like it is permanently locked out and does not recognize my device ( computer ). Worked fine yesterday. Will not recognize username and password. Wasted day with them with passcodes and emails I can not access when on their web page form. Just locks out the account for access. Calls get nowhere since you can not get IT to intervene and send a one time password to log in with and then change after logging in. Had same password and user name since taking out the card with XXXX XXXX. This TD bank card is no longer connected to my XXXX XXXX account either. XXXX says have to log in with TD Bank now. How??? Does not work. Phone gives no passcode, email will not go back to form to insert passcode. I want to get on this site to pay my bill and cancel it after I take my rewards cash back out.
Company Response: Closed with explanation

Timely Response

2019-08-16

Manhattan, NY

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-08-15

Rochester, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-08-15

Baldwin, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-08-15

Daytona Beach, FL

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

2019-08-15

Battle Ground, WA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-08-15

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-08-15

Mccullers, NC

Closing an account

Checking or savings account: Savings account

Can't close your account
Company Response: Closed with monetary relief

Timely Response

2019-08-15

Santa Monica, CA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-08-14

Danbury, CT

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2019-08-14

Bristol, CT

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2019-08-14

Bladensburg, IA

Fees or interest

Credit card or prepaid card: Store credit card

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2019-08-14

Bay Terrace, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-14

Echelon, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-08-14

Somers Point, NJ

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Banking errors
Company Response: Closed with explanation

Timely Response

2019-08-14

Incorrect information on your report

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

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

Timely Response

2019-08-14

Wonder Lake, IL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I entered into a payment agreement for a mobile phone with TD Retail Card Services. Because TD Retail Card Services doesn't accept direct electronic payment from my bank, XXXX XXXX instead mails check payments via USPS in the amount of {$32.00} from my checking account to TD Retail Card Services as part of a scheduled payment. This monthly service was performed on the date of XX/XX/XXXX. This payment was due on XX/XX/XXXX. I was not made aware until several billing cycles after that period that the XX/XX/XXXX payment was claimed to have arrived late. Normally this late payment communication from TD would have occurred via USPS mail. I received no such mailed notice - the reason will be made clear below. When I finally became aware, I was already accruing fees resulting from the claimed late payment. In the subsequent months I made numerous phone calls to resolve this issue that were unhelpfully dismissed by TD representatives. It wasn't until XX/XX/XXXX that I was finally made aware by a TD support representative that TD had no longer been sending me communications via USPS mail - thus I did not have a chance to get a claimed late notice. According to the representative a prior mailed item had been returned to them as it had been delivered to an incorrect address. As a result, and without alerting me, they decided to no longer send communications via USPS mail. This representative also made me aware of a billing dispute form which I faxed to TD the very next day, XX/XX/XXXX. Attached to the fax was a copy of my XXXX XXXX account statement for the period in question with a line item circled to indicate the payment as having been deducted as scheduled and on time : XX/XX/XXXX. I also confirmed my mailing address with that representative, so I am now receiving monthly notices of claimed fees owed, at this point in the amount of {$180.00}. According to their dispute policies, TD Retail Card Services states that they would mail their decision regarding the billing dispute within 15 days. They claim under the Fair Credit Billing Act that my dispute submission would need to take place within 60 days after the incident. Which as described above was not possible due to TD no longer mailing me late payment notices - or mailed notices of any sort. As I had not received any mailed notice regarding the billing dispute I followed up via phone on XX/XX/XXXX. Over 3 months had elapsed after faxing in the dispute form. The representative told me at that time that they had received the form and I should wait about another week for that USPS mailed response. As of today 's date, XX/XX/XXXX, I have still not received a response. I made another call around XXXX to once again inquire about the dispute form resolution. I was told this time that the representative could not find record of receipt of the faxed dispute form. I have attached a fax receipt confirmation to prove that my fax was sent and received. The representative was unable ( and not allowed ) to connect me directly to the dispute department. At this point I'm convinced continued attempts to communicate through standard methods will be equally fruitless. In the meantime they not only continue to mail me owed fee notices, but they also make claims of late and/or unpaid payments to the credit bureau unfairly damaging my credit. As a result, my credit score has dropped significantly from its prior level.
Company Response: Closed with monetary relief

Timely Response

2019-08-14

PA

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I mailed a payment to TD Retail Card Services ( Raymour & Flanigan ) on XX/XX/19 from my bank 's bill payer, this payment did not arrive to TD Retail Card Services until XX/XX/19, this payment was for XXXX. I mailed another payment to this company on XX/XX/19, it arrived on XX/XX/19, this was my XXXX payment. They called me to tell me my XXXX payment was not made and when I showed them that it had been, they stated they applied both payments to XXXX. I told them that this was incorrect and it needs to be applied to XXXX and then XXXX. I spoke with three different people who all stated this wasn't allowed and they refused to make the correction. The last person I spoke to, XXXX, ID XXXX, Customer Service Supervisor - XXXX, SC, told me that they would not reapply my payments and they are doing " nothing wrong ''. This is unacceptable that a credit card company won't apply the payments the way the Consumer stipulates, so they can ruin credit with an " over 30 day late '' notice on their credit report. A bank loan would not be allowed to do this, these payments have to be applied the way a Consumer stipulates. I need help getting my payments properly applied to my account.
Company Response: Closed with monetary relief

Timely Response

2019-08-14

Brooklyn, NY

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 non-monetary relief

Timely Response

2019-08-13

NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I would like to file a complaint against TD Bank NA, regarding their mortgage practices in state of New York. They donot apply the additional principal payment properly and are charging interest on previous balance, rather than reduced Principal amount. I contacted them several times and even went to their branch to talk to loan officer, they refer me to call customer service. I ask them to send me documents to show how do they apply additional principal payment. They send the print out of my account, which doesn't explain how interest is calculated when additional principal payment is made.
Company Response: Closed with explanation

Timely Response

2019-08-13

Ft Lauderdale, FL

Fraud or scam

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

Complaint: Case XXXX I was scammed by a credit repair company between XX/XX/XXXX and XX/XX/XXXX, and I filed a claim with my financial institution -TD Bank -- in XX/XX/XXXX. I wanted to ensure that justice was served cause I was undergoing an urgent crisis when I BORROWED MONEY to have this company clean my credit. So I filed a claim and submitted everything ( almost 30 pages worth of material ) to the bank with all proof including corresponding emails, electronic receipts, everything. I was completely unaware that they would issue a provisional credit. But I was confident that there would be no errors since it was crystal clear what had occurred. Not only did I receive a mail letter stating that they received nothing from me after I wasted my time at a local branch to fax all these pages.But I submitted these documents for a second time only for TD Bank to mail me another letter on XX/XX/XXXX stating that " Based on our investigation, we have determined that an error did not occur. The reason for this decision was based upon the following : You must resolve this matter directly with the merchant. ( If your account was previously credited, it will be reversed on XX/XX/XXXX ( including any fees and/or interest that were also credited ) ''
Company Response: Closed with explanation

Timely Response

2019-08-13

Mount Vernon, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-13

Three Bridges, NJ

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response