TD BANK US HOLDING COMPANY

2019-08-01

Bothell, WA

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2019-08-01

Los Angeles, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-01

San Diego, 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

2019-07-31

San Jacinto, CA

Incorrect information on your report

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

Account information incorrect
Complaint: TD Auto Finance is currently data furnishing illegal, erroneous and outdated information to all major credit bureaus. I have sent three written demands ; Validation Demand, Estoppel Letter and Intent to Sue in hopes of obtaining a complete account history and ultimately correcting their records in order to correct the bureaus reportings. I have only received one letter in nearly 120 days of my attempts and the letter simply states they would like to speak to me. I have a legal right to complete my written request and keep all communication in writing. This company has violated the Fair Credit Reporting Act in multiple ways. I am in desperate need of having this account data corrected.
Company Response: Closed with explanation

Timely Response

2019-07-31

MD

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: In XXXX of 2019, I received a computerized voice mail to contact TD Auto Finance asap. I made the call since I had a prior automobile loan for which I co-signed for my son. Both my son and I thought the loan had been paid in full, as TD Auto Finance stopped taking their automatic deductions from my son 's bank account. When I called TD 's customer service department, I learned that they had not withdrawn the final payment, as it was a few pennies more than the payments they had been withdrawing. Apparently they do not auto debit the final payment as a result, but had failed to notify us with their 30 days ' prior notice letter. I received a notice from another creditor alerting me of a change on my credit score. When I looked at the alert, I discovered that TD Auto Finance had marked my and my son with 30, 60, 90 and 120 days late payments. Once TD recognized their internal error, they agreed to notify the credit bureau of the mistake. I waited 30 days but saw no change on my credit report. I contacted XXXX XXXX to dispute the late payments. I have since been advised by XXXX XXXX, that TD Auto Finance did not agree with my dispute.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-31

Chester, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-07-31

Lowell, MA

Money was not available when promised

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

Company Response: Closed with explanation

Timely Response

2019-07-30

Coral Springs, FL

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 explanation

Timely Response

2019-07-30

Rehoboth Bch, DE

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I had an automatic debit come into my account that overdrafted it. I immediately transferred money from my savings account to my checking account to cover the amount. I was charged with a {$35.00} overdraft fee to my checking account and {$9.00} fee to my savings account. I asked the money grubbing, profit swilling XXXX at TD Bank to refund the charges and was told no. TD Bank made XXXX billion dollars in profit for the XXXX quarter of XXXX. In its announcement, it also cites benefits from the XXXX tax bill signed by XXXX. I got an extra {$20.00} a month from the tax bill. And this year, I had to pay more in federal income tax. But XXXX forbid TD Bank XXXX XXXX XXXX XXXX, who makes {$15.00} XXXX a year, gives back my {$44.00}.
Company Response: Closed with monetary relief

Timely Response

2019-07-30

Westfield, NJ

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2019-07-30

Nyc, NY

Identity theft protection or other monitoring services

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

Didn't receive services that were advertised
Complaint: XXXX To whom may concern, My name is XXXX XXXX # XXXX is being violated in zip codes XXXX and XXXX I am currently working this this business and a older woman send me mail to settle disputes with my debt, these people are mail tampering. Mail tampering is A XXXX fine! they been doing it for over a Year. They opened my mail so that when I work with the business I receive a hard time. these people come with all kinds XXXX ( excuse my curse I am tired of it ) They are retaliating against me and my religion. they are violating the constitution, the Civil rights act of 1964 and the first amendment. I do believe in XXXX " Amen-dment '' and I am trusting the process but now I am done with these people. I am XXXX XXXX XXXX overcoming a struggle and upcoming. I am being more aware of what people are doing and trying to have control over my life. these people are trying to stop me from having a good life. I am targeted in my community. the hate is real discrimination is ongoing. My bank account has a history of fraud. I am not perfect but I realized what these people were doing and there trying to make me pay for false debt by giving me fraud checks and not putting my correct address and ID theft. I gave them 2 ids to ID me and they refuse to help me. Every time I walk in they are violating the Civil Rights Laws of 1964. This city is doing bad and this is no disrespect to TD bank itself, its just the ones in XXXX. It is a struggle city and I am battling these people the RIGHT WAY while these people promote fraud! XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-30

Astoria, NY

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-07-30

Coral Springs, 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
Company Response: Closed with non-monetary relief

Timely Response

2019-07-30

Paterson, NJ

Managing an account

Checking or savings account: Savings account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-07-29

Duncan, SC

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
Company Response: Closed with explanation

Timely Response

2019-07-29

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-29

Flushing, NY

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Company Response: Closed with explanation

Timely Response

2019-07-29

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-07-29

MT

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: I have never been over 30 days late on my car loan with TD AUTOFINANCE. TD AUTOFINANCE STARTED CALLING MY JOB ON A DAILY BASIS DURING XX/XX/2019. I told them to stop calling me at work but they continued and eventually stopped calling me at work and know the call me on my cell by making their phone number pretending it's a phone call from someone in my area code. Days of the calls are the following ; XX/XX/2019 3 times XX/XX/2019 4 times XX/XX/2019 3 times XX/XX/2019 5 times XX/XX/2019 1 time ETC .... ETC .... I MAILED TD AUTOFINANCE A LETTER TO CEASE AND DESIST IN XX/XX/2019 & TOLD A REPRESENTATIVE ON THE PHONE THE FIRST TIME I SAW THE MASKED NUMBER THINKING IT WAS A CALL FROM A FAMILY MEMBER OR FRIEND. TD AUTOFINANCE HAS NOT GRANTED MY REQUEST.
Company Response: Closed with explanation

Timely Response

2019-07-29

Mark Center, OH

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2019-07-29

Clarkesville, GA

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Complaint: I have a credit score of more than XXXX. I have an auto loan with an perfect payment history. My credit report does not reflect any negative balances, any late payments or anything negative. I am a also XXXX woman with a thick accent. I stopped by a Target located in XXXX Ga, on Saturday XX/XX/2019. I was looking at a promotion that expired that day where I was to get a discount coupon valued at XXXX if I signed up for the Target credit card. The associate convinced me to apply, as he said it was a pretty simple and instant process. Since I wanted to expand my credit portfolio and had a pretty good credit score, and the promotion was very attractive, I took the bait. To my surprise, I got a receipt saying Id get a letter in 7 days. After I did some search online on many credit forums, I discovered that people had actually called in after receiving such notice and they would find out they were approved. Many consumers reported they were approved even with credit scores in the lower 600s. I called the XXXX, and was transferred to accounts payable. The first person immediately told me I was declined because I had " no credit history '' Which is false. Then she told me it was because I didn't have credit cards and they decided my score credit wasn't good enough to issue me with a Target credit card. That the bank, TD Bank USA, didn't deem me a good " fit ''. Since I know I have a good credit history and score on file and actually hold an auto loan with a very well known bank, I knew there was something more to this information. I requested to speak to a manager and I asked her first for her information to document it and have it ready when I filed a complaint with the corresponding government agency, and my attorney. The reason I want to escalate this is because I feel that there was some discrimination regarding the approval process as they have information on my demographic by looking at the places I've lived at. I also know there was a switch and bait during the whole process. The employee who took my info at the register gets his commission. Target hits their numbers without issuing the XXXX promotional coupon and I get a bad hit on my credit score without obtaining any benefit, no discount coupon and no credit card either. So the " manager '' identifies herself as XXXX, literally mocks my government agency comment by saying " what government agency lol what are you talking about '' And by finally saying in an extremely hostile, terse and disdainful tone " you better learn how to speak to me or you wont get any information from me '' So I hung up without any information besides what was originally given by the first accounts payable associate.
Company Response: Closed with explanation

Timely Response

2019-07-29

Gloucester City, NJ

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

2019-07-29

Brandywine, MD

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-07-28

Baychester, 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 explanation

Timely Response

2019-07-28

Queens, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/XXXX I went to cash a check from my bank, the tailor said that my account is closed, as it was the evening time an official said come on other day in day time to look in to your account in depth, I am an employed person so I arranged to leave from my job one day and went again on XX/XX/19. The officer showed me the last check drawn from my bank account, which was not mine it was a third party check not having either my name or signature even the routing number was different only the account number was mine. I asked him how did you cash this check when nothing is matching with my account information. Then he said no worries just file a claim and you will get your money back in 90 days, so I filed a claim. After 90 days when I went to ask the same officer he said to open a new account so they could put my money in it, so he opened up my new account. After 10 days I got a denial letter from the bank which stated that they can not reimburse my money.
Company Response: Closed with explanation

Timely Response