TD BANK US HOLDING COMPANY

2015-08-28

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-28

Balance transfer

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-28

Somers Point, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-27

East Rockaway, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-27

Rochdale, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-27

Fontana, CA

Transaction issue

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-27

Jonesboro, TN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Castle Point, NJ

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Bridgeport, CT

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-26

Wallington, NJ

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I have been paying on time for the last XXXX years a HELOC with TD Bank. Back in XXXX 2015, the bank sent me a letter stated that the terms of the loan will change and I will have to pay the loan in XXXX years with a payment XXXX times higher than the original. I 've been trying to refinance, change the loan terms, a modification, all without success. I am already in default for XXXX months and the bank sent me an intention of foreclosure of the property. This is a XXXX home that is rented and I share ownership with my brother ; the main mortgage on the property is paid off. I do n't understand why the bank do not approved a modification and help me with an affordable payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Ridley Park, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Cheshire, CT

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Cheverly, MD

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-26

Warrenton, VA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I purchased a vehicle in XX/XX/XXXX after I left the military, it cost XXXX, I did make some late payments but made those up when paying the regular payments. Total payments have me paying interest as much as the car cost as you will note on the attachments, the car was paid at XXXX and the interest paid is XXXX, that is almost XXXX paid on a XXXX vehicle XXXX was the lien holder and while in dispute with them over additional late fees that I did n't owe they sold their financials to TD auto ; I continued to make payments to them while still attempting to correct the bad accounting from XXXX. I lost my job and my apartment after they wrote off debt of XXXX. That was in XX/XX/XXXX, never getting the bad late payments cleared up with them, my mother made XXXX payments on my behalf while I lived in my car and the balance of which included bad charges from XXXX of XXXX was at XXXX. I started working saved up {$720.00} to just pay it off and be done with it as a settlement. TD Auto not only did n't want a settlement they have now added on late fees on an account they have written off of their books of XXXX more. If they can continue after profit and lossing a debt to add late fees, it will never be able to be paid, it certainly should n't be legal to do so. They could add fees in perpetuity at this rate. It appears to me to be criminal.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-25

Derry, NH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-25

Boca Raton, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-25

South Florida, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have been reported by TD Bank on XXXX XXXX,2015 and the information is inaccurate. I was offer an settlement offer on account ending # XXXX, in the amount of XXXX if paid by XXXX XXXX. I set-up XXXX payments to be withdrawn from an different account of {$37.00} which both payments has been satisfied by such date. I contacted TD Bank and explain to them that I was given an settlement to prevent further collections activity. I have spoken to several representatives regarding this matter and no resolution. I have been contacted by a manager and when I tried calling her back I have n't received a follow up called back from TD Bank. This account has been reported inaccurately. Please make necessary corrections. The account should be consider paid in full for the settlement amount I was offered {$74.00} ( +/- ). Also, I noticed on my report that account ending # XXXX has been reported for the incorrect amount owed at closing. The account was charged off with an outstanding balance owed {$450.00} ( +/- ) of which I have called the collections company to set-up payment arrangements. Please have amount corrected.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-25

FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called XXXX, XXXX. Reporting date was XX/XX/XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or XXXX, XXXX so this debt needs to be verified ASAP. I sent XXXX letters, via certified mail to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. XXXX days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX.Rooms to go acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a 3rd party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with XXXX, XXXX who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now XXXX. I told him that the information being reported was incorrect and that I am currently paying on the account through care XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that XXXX ( " XXXX '' ) is the owner of the subject XXXX/TD Bank NA XXXX XXXX XXXX Big Store credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX, XXXX has received seven ( 7 ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by XXXX. XXXX respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-24

Cartersville, GA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-24

Hammond, IN

Closing/Cancelling account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-24

Wallington, NJ

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-08-24

Hillsdale, NJ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-23

Town Center, NJ

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-22

NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: The colossal stupidity and incompetence at the XXXX XXXX XXXX branch of TD Bank is unparalleled and has reach dizzying heights of monumental XXXX. They once again failed to wire transfer {$4600.00} to the correct party yesterday and on top of that, no one called to let me know even though they have my cellphone number on the account. In other words they let a whole day go today and when I could have fixed it they failed/refused to even let me know about it. This is the third time they have done this in 6 months, amongst other major training problems with their XXXX staff. In the past they have arbitrarily blocked my ATM card from making routine mundane charges for " fraud protection, '' refused to credit me when I purchased electronic goods that did not work and were defective, and opened up a Lawyer Escrow account as a regular checking account. The manager at this branch needs to be re-trained if not fired for incredibly stupidity and XXXX training of her staff, which appears to have a turnover rate of new employees every few weeks. Not only that but they allow accounts to go negative and bounce checks without notifying you so that they can clandestinely collect a fortune in fees. Please urgently assist.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-08-21

Chicopee, MA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response