TD BANK US HOLDING COMPANY

2019-07-27

Chicago, IL

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 non-monetary relief

Timely Response

2019-07-27

Houghs Neck, MA

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-07-26

Colonial Park, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2019-07-26

Wesley Chapel, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Just this month ( XX/XX/XXXX ), a " late payment '' hit my credit report while I am in the middle of purchasing a house. I logged into the TD Auto Finance website ( which I never do b/c the payments are made in person at TD Bank counter ) and there was nothing obviously that would show anything was 30+ days late. What I did see was what the balance due for " XX/XX/XXXX '' which is what they are stating is the missed/late payment. I called TD, spoke with a representative yesterday ( XX/XX/XXXX ). They stated that there was a payment missed in XX/XX/XXXX. It clearly was an accident because every payment before and after that has been on time and always more than the minimum. I was never notified about a missing payment. TD stated that do not call for missed payments but only send notices in the mail. I have never received one. They also said they sent me monthly statements, which I also have never received and they are looking into that. The on-line message center also has no notification in there under my account. When they told me it was late, I immediately paid the outstanding balance, which was less than a monthly payment due to all the over payments. Not only did they not make a fair attempt to contact me, they reported {$88.00} as " 30 days late '' with the credit bureaus but posted it on my credit 9 months later as if i was recently late. Had they either called me and/or even added it my credit when it was truly late, I would have paid it immediately. Now my current home loan I'm working on is at risk. They told me there was no phone or e-mail to contact anyone, I would only be able to mail my complaint to the Credit Dispute Department. My home is supposed to close in less than 3 weeks and this is now an issue.
Company Response: Closed with explanation

Timely Response

2019-07-26

Colts Neck, NJ

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
Complaint: Regarding two charges from XX/XX/2019 in the amount of {$1500.00} and {$250.00} The charges were made on XX/XX/2019 and disputed on XX/XX/2019. After not hearing back from TD Bank a request for fallow up was made on XX/XX/XXXX by XXXX, XXXX XXXX XXXX XXXX in the XXXX NJ office The response from TD on XX/XX/XXXX was that. TD claims that they requested more information from me. ( Note that is the ONLY communication that I did not receive from TD throughout this entire ordeal ). The more information was then provided to XXXX, XXXX XXXX XXXX XXXX at the XXXX NJ branch on XX/XX/2019. XXXX, XXXX then faxed that information to the proper department in TD Bank but did not save the fax receipt hence TD is denying the claim because the branch did not save the fax receipt.
Company Response: Closed with explanation

Timely Response

2019-07-26

PA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: This creditor just posted multiple false dates and late payments to the credit bureaus. They are showing my last payment as XX/XX/XXXX and I have bank statements showing no such payment was ever made. They also reported three years of late payments at once this year when nothing has changed on the account since at least XXXX.
Company Response: Closed with explanation

Timely Response

2019-07-26

Philadelphia, PA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Ive been trying to get this deleted from my report I never had the card it was stolen from me I disputed couple times and no resolution have been made
Company Response: Closed with explanation

Timely Response

2019-07-26

PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: TD Bank is not complying with the regulation that requires mortgage services to publish, in a clear and distinct way, how and where to submit a Request for Information & Notice of Error. The regulation 12 CFR 1024.36 ( b ) states : ( b ) Contact information for borrowers to request information. A servicer may, by written notice provided to a borrower, establish an address that a borrower must use to request information in accordance with the procedures in this section. The notice shall include a statement that the borrower must use the established address to request information. If a servicer designates a specific address for receiving information requests, a servicer shall designate the same address for receiving notices of error pursuant to 1024.35 ( c ). A servicer shall provide a written notice to a borrower before any change in the address used for receiving an information request. A servicer that designates an address for receipt of information requests must post the designated address on any Web site maintained by the servicer if the Web site lists any contact address for the servicer. I have combed TD Bank 's website and can not locate a specific address to send this type of correspondence. When I called TD Bank to ask about the address, I could not manage to get connected even to a person who could speak to me with any knowledge about mortgage servicing at all, let alone tell me accurately where to send a Request for Information. I was given the fax number for the escrow department the first time I called, and the second time was given an incorrect address. I called a 3rd time and the person who answered decided to give me the general correspondence address. I was eventually able to confirm this address on the back page of a mortgage statement, but that alone does not comply with the regulation about. There is literally no place on the website that offers an address apart from direct banking locations, and although I have clients who have mortgage serviced by TD Bank, there is no indication on their website that TD Bank does anything beyond the application for and origination of mortgage loans. I find this astounding.
Company Response: Closed with explanation

Timely Response

2019-07-26

Carol City, 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 explanation

Timely Response

2019-07-26

Great Neck, 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 monetary relief

Timely Response

2019-07-26

Phoenix, AZ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-07-25

Manteca, CA

Incorrect information on your report

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

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

Timely Response

2019-07-25

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Complaint: Initial contact in XXXX, i was contacted about this unknown debt. I said i need documentation and everything in email. The man got upset and started yelling that they will proceed with further actions if i dont pay now. XXXX, They assigned different associate to my account. She continue to call leave disturbing vmail XXXX XXXX. She says she has my information and will contact where i work to levy my paycheck. Again i asked for documentation about this account and they continue to ignore my request. My only form of contact is email i said since they dont have phone manners. They attempt to levy my account every year. I do not have money and they dont seem to have my correct information to serve me. Because that account was not my doing. This account was from identity theft and now i am haunted by this horrible law firm.
Company Response: Closed with explanation

Timely Response

2019-07-25

Queens, NY

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-07-25

El Portal, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-07-25

Davie, FL

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-07-25

Oxford, GA

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: My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Company Response: Closed with explanation

Timely Response

2019-07-25

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-07-25

Cortlandt Manor, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-07-25

Washington Green, CT

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-07-25

Aspen Hill, MD

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-25

Vistas Del Mar, PR

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-07-24

Ft Lauderdale, FL

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: I purchased the 2015 XXXX from XXXX XXXX in XXXX XXXX. I had a trade in a 2013 XXXX XXXX. Balance XXXX. The 2015 XXXX was listed for XXXX. I had. XXXX credit score and did a trade in they made my interest rate 11 % plus I am paying for gap insurance and their loan is charging me a daily rate on the loan that I was not told about. I am paying XXXX at the end for a XXXX car plus I had a trade in. How can this be. I have been paying since last XX/XX/XXXX {$420.00} a month the balance showed XXXX in the beginning and right now it showing XXXX??? How can that be if I have been paying for over a year XXXX my balance should be way less owed. This is USUARY and a disgrace I did not sign for this type of loan. I had TD bank with my charger at 5 % interest now I have this car with a. Daily rate and 11 % interest. I want this redone correctly. I am not being used like this please help me get to the bottom of this dealership scam and finance company. I should owe less on my car and I want it fixed. The dealership is using tactic making you wait for hours signing he document then the bank write you and say something different. I want a regular 62 month loan no daily rate XXXX. I want all my payments credited towards my balance.
Company Response: Closed with explanation

Timely Response

2019-07-24

Baltimore, MD

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2019-07-24

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 non-monetary relief

Timely Response