TD BANK US HOLDING COMPANY

2019-07-16

Encino, 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

2019-07-16

Oceanside, NY

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-07-15

Tampa, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-15

Delray Beach, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-07-15

South Florida, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: THIS ACCOUNT WAS OPENED FRAUDULENT.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-15

Philadelphia, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: For Years, Ive had an escrow account with T D Bank to pay my real estate taxes and homeowners insurance in XX/XX/XXXX. I was notified in XX/XX/XXXX by T D Bank that I had no Insurance ( not true ) and they will provide their insurance at an additional {$2000.00}. I called my broker and he said my policy was going to lapse if it was not paid ion 7 days. It turns out, T D bank never released the funds. I thought I had it straightened out so I paid my broker with a credit card and he will reimburse me when the payment in full comes form T D Bank. It never came and then I received a notice of cancellation for non payment. T D bank appoligized and turns out they only made a partial payment that was due at the moment. I got another notice of cancelation and I paid the balance in full. Along the way of trying to resolve this I signed a form for T D Bank to stop taking money from my checking account to the escrow account andI will pay my insurance next year on may own and to refund me the difference that they never paid this year. They continue to keep my money and they are still deducting money from my checking account for my next years insurance premium. Once again, XX/XX/XXXX, ( see letter from XXXX XXXX ) I tried to get this straightened out and Im told, I will receive a full refund of non paid premiums and any deduction for payment for XX/XX/XXXX within 3 business days. No Refund and another deduction in my account for XX/XX/XXXX towards the XX/XX/XXXX Policy They are stealing my money, lying about refunding it to me. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-14

Keyport, WA

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: This issue concerns a Target REDcard credit card that gets fairly infrequent use. After paying off the account balance in XXXX, as I do each month when the card is used, an additional transaction posted, payment for which was evidently due in early XXXX. No statement was ever delivered to that effect. No late notice was delivered. No phone or postal mail correspondence followed up on this balance. On XX/XX/XXXX, Target reported a past due balance of around {$110.00} ( {$70.00} of which is late fees ) to the credit bureaus. When I immediately paid the balance and inquired as to why they had sent no email statement and had not followed up with an email reminder, postal mail statement, or phone call prior to reporting to a credit bureau, the customer service agent said ( 1 ) that they are not required to deliver statements and ( 2 ) that they are required to report past due accounts to credit bureaus and can not then undo the report. Neither of these is true. When I reminded them of their obligations under the Regulation Z dispute process, they declined to take action and instead suggested I call ( the law requires written notice of the dispute, which I have provided ). I acknowledge the underlying {$40.00} transaction as legitimate. However, with more than 10 years of on time payment history, the only reason this was not paid is because no statement was ever delivered. Their total failure to follow up is debt parking, and while that practice may not be illegal, the customer service response that lies about the law is completely outrageous. They are required under 12 CFR 1026 to deliver statements, and no creditor is required to report late payments ( or prohibited from correcting errors ). The idea that an 11-year account holder should take a hit on a credit report that will last for years because of a {$40.00} purchase that was never properly billed, and for which absolutely no effort was made to collect prior to reporting as delinquent, is a black mark on Target for allowing their card servicer to behave in such a customer-hostile manner.
Company Response: Closed with explanation

Timely Response

2019-07-14

NJ

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: TD Bank Card Services. On XX/XX/2019, Credit Card was reported to Bank as Lost/Stolen. Upon further review charges from XXXX on XX/XX/2019 for {$170.00} and XXXX for {$150.00} were charged to my account. TD Card Services was alerted that these charges were not made by me and my card was reported lost/stolen. TD Card Services refuses to credit these unauthorized charges and will not provide any documentation of what the charges were for.
Company Response: Closed with monetary relief

Timely Response

2019-07-13

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

2019-07-13

PA

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Complaint: TD bank credit Cash card credit limit was decreased on me unexpectedly. I have been having so many issues with TD Bank 's credit cards. I have been a loyal customer since TD Bank was XXXX XXXX. I have always paid my card on time also and have had decent credit. On XX/XX/XXXX TD Bank sent a letter to me stating that they are decreasing my credit limit by thousands of dollars. To make it worse, they Closed it the same day as the they sent the letter, not giving me any time to respond to it without them already lowering my limit! I didn't receive the letter until XX/XX/XXXX! This is not the first time TD decreased or messed with my credit limits. They cancelled a card a few months ago and I had to make a complaint with you guys. Then they admitted their fault and fixed it. Again, they are trying to hurt me. Instead of canceling the card this time, they think they can get away with lowering my limit unexpectedly, without notice or opportunity to respond. This is completely not fair and again I am requesting you investigate TD Bank Credit Card services. I want my credit limit back and not only back but increased since I have asked for increased limited before and or line of credit and was denied. Again I have NEVER been late with payments.. They make money off interest from me.. Makes no sense and is not fair and fraudulent in my mind as to what they do. I hope you can help me. Thank you for your time again.
Company Response: Closed with explanation

Timely Response

2019-07-13

Clermont, 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
Complaint: Hard Incuries were reportedto my credit report without my authorization or knowledge. The customer service would not help take care of the negative inquiries reporting on my credit report.
Company Response: Closed with explanation

Timely Response

2019-07-13

Blairstown, IA

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I had a minimum payment of {$27.00} due on XX/XX/2019. I paid {$27.00} via my online account, deducting from my checking account on XX/XX/2019. This {$27.00} payment cleared my bank on XX/XX/2019. I verified with my bank that the funds had been paid out. I logged into my credit account online to check my available credit on XX/XX/2019. The payment was still pending due to it being the weekend and not a weekly business day. I called card services and spoke with a representative who explained this to me and advised me that the payment would reflect on that following Monday, XX/XX/2019. Once this happened, my available credit limit would update. I logged into my credit account online again on Wednesday, XX/XX/2019 and the {$27.00} e-payment does reflect as being paid on XX/XX/2019. However, my available credit limit had not changed. I contacted card services again on XX/XX/2019 and spoke first with a representative and then a supervisor. Both of these individuals told me that the {$27.00} payment had been received but had not yet been posted. The explanation provided to me was that, because several months prior a payment was returned, and therefore this current payment would not be posted to my account until I gave them permission to contact my bank directly. ( The returned payment was resolved within days of the first returned payment. I also paid the fee due to that occurrence. ) I refused to do so because I felt they had no right to contact my bank to discuss my personal bank account. The supervisor I spoke with stated that unless I allowed them to do so, the payment would not be posted to my account. She stated that the payment may eventually post, at least 14 days from that date, XX/XX/2019. I reviewed the credit card agreement online which states : " You agree to pay us in United States dollars. If you pay by check, your check must be drawn on a depository institution located in the United States. If you do not pay the New Balance in full, you agree to pay by your Payment Due Date at least the Minimum Payment Due. You may, at any time, pay the total amount owing on your Account. Payments are posted to your Account in a timely manner as required by law. However, we may delay restoring your available Credit Limit in the amount of the payment to make sure we receive the funds. '' I contacted my bank again to inquire about the credit card company 's demands to have access to discussing my bank account. The bank representative stated that this rarely occurs, only on a 3-way phone call, and that she personally had never heard of it happening for a {$27.00} payment. My concern is not only with the questionable delay in posting my payment, which both my bank and the credit card company acknowledge to have been cleared, but also with the fact that the agreement does not put a specific number of days regarding " ... delay restoring your available credit limit ... '' Seemingly, they could delay this restoration for as long as they want. That is extremely worrisome to me. I have continued in refusing the credit card company to contact my bank ; to threaten me by stating they will not post the payment unless I give them this permission is absurd. I don't know what else to do with this problem. It has become a much larger issue than just the {$27.00} at this point.
Company Response: Closed with explanation

Timely Response

2019-07-12

Bolingbrook, IL

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-07-12

MA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: XX/XX/2019 - While placing an order for a birthday gift for my son on XXXX, I discovered someone had accessed my XXXX XXXX card and used almost all of my Membership Reward points. I called XXXX, they reversed the transactions which were used to purchase XXXX gift cards. XXXX closed the compromised card and issued a new one. This is not the first time an XXXX was compromised. I logged into my TDBank account online and checked the balance. No issues. XX/XX/2019 XXXX is the payroll service used by XXXX XXXX XXXX XXXX. It withdraws payroll via debit from the company TDBank account. This occurred in the normal course of business. XX/XX/2019 I received an email from XXXX that a client paid a bill. I logged into my TDBank online. To my surprise, the account had been drained to just {$230.00}. Over {$27000.00} was missing. I assumed this was a simple mistake. Examining the check register online, I saw two massive withdrawals. I called the XXXX XXXX branch, and then immediately left the office for the branch. There, I met with XXXX XXXX, the Assistant Manager of the branch for a very long time. I arrived at the bank at approximately XXXX XXXX. At the bank, Ms. XXXX had me log into the account using an XXXX owned by the bank. We discovered that someone had created a false item labeled Payroll in the ACH transfer component of online banking. Details for each individual listed a bank account number linked to an entity with a Delaware address called XXXX. Ms. XXXX called her ACH Department and while on the phone with them, told me that it takes 2 days for a transfer, and we should be able to recover the money. The first transfer was for over {$12000.00} as I recall and made onXX/XX/19 with a transaction date of XX/XX/19, and the second was for over {$14000.00} and made on XX/XX/19 with an ACH fee date of XX/XX/19. In both cases, less than TWO BUSINESS DAYS had transpired. From past experience, and published information from TDBank, an ACH Transfer takes TWO BUSINESS DAYS, so we were in the open window to recall the funds. I asked Ms. XXXX how the money transferred without the required security questions being asked. Neither she nor the person from ACH were able to answer that question, but it was admitted to me that NO SECURITY QUESTIONS WERE ASKED. The transfers were allowed because the IP address used matched that used for prior transfers. Working with Ms. XXXX, she completed the requisite forms to recall the ACH transfers. Meanwhile, I called XXXX with my cellphone. I spoke to someone at XXXX, identified the accounts receiving the money, had a hold placed on the accounts. Upon completion of the ACH recall forms ( INCLUDED HEREIN ), Ms. XXXX faxed these to XXXX. It is important to note that XXXX uses Visa cash cards as its deposit vehicles. When calling them, if you hit 0 with the automated attendant, youre given three choices : Option 1 If youre law enforcement calling about a subpoena. ; Option 2 If youre a bank calling to question a transfer to a XXXX cash card ; Option 3 If youre a bank calling to question an ACH transfer In addition, the only mailing address listed for XXXX is one for the delivery of summonses and subpoenas. I departed the bank and went to the XXXX XXXX Police Department and met with Detective XXXX XXXX and filed a complaint. It is case # XXXX. XX/XX/2019Running anti-virus and malware scans of all computers and systems, nothing was found. I then ran my Chrome history. OnXX/XX/19, not only had someone used up my XXXX XXXX XXXX points, but an attempt was made to obtain new XXXX XXXX XXXX. The intruders were unable to do so. ( I spoke to XXXX on XX/XX/19 again regarding this. They were unable to obtain new cards because they were unable to answer the security questions. NOTE : SECURITY QUESTIONS ARE NOT KEPT ANYWHERE BUT IN MY HEAD. THIS PROVIDES FURTHER PROOF THAT TDBANK TRANSFERRED FUNDS WITHOUT SECURITY QUESTIONS BEING ASKED. ) In addition, I found evidence that on XX/XX/2019, someone ran a program in our computers designed to find my IP address. If you research the subject, anyone can copy an IP address. Log into a wireless router that they own like a XXXX or XXXX, enter a copied IP address, save it, and that remote computer shows up as the same computer from which the data was stolen. I returned to TDBank XXXX XXXX and brought all of this information to Ms. XXXX. While there, Officer XXXX showed up, and we had a frank discussion with Ms. XXXX. Detective XXXX doesnt understand how TDBank allowed the money to go through without the asking of security questions. Ms. XXXX affirmed she didnt know how either. ( NOTE I HAVE SPOKEN SEVERAL TIMES WITH MR. XXXX INDLUDING ON XX/XX/2019. HE HAS STILL NOT HEARD BACK FROM THE SECURITY OFFICER DESPITE MULTIPLE ATTEMPTS TO REACH THIS PERSON. ) XX/XX/2019 XXXX XXXX from the TDBank XXXX XXXX branch called me. I had to go to the bank and sign two new ACH forms, one for the full amount of each transfer. Ms. XXXX told me that Ms. XXXX of the bank told her this had to be done. XX/XX/2019, XXXX XXXX. Voicemail left by XXXX XXXX, Vice President of TDBank, former manager of the XXXX XXXX branch. Ms. XXXX stated that she knows me, is involved, and will do whatever is needed to make this right and that I will be made whole. Multiple calls to Ms. XXXX and Ms. XXXX ensue XX/XX/2019Spoke with XXXX XXXX. He agrees with my position in all of this. TDBank fraud department is not getting back to him. XX/XX/2019 I called the fraud department of TDBank. They told me that it is my responsibility to call my payroll company and have them get my money back. We were unable to get the money back and your payroll company is now responsible. I told the person on the line that that is utter nonsense. I explained AGAIN that these were false payrolls. My true payroll company debits the account once per week. I was essentially blown off and the fraud department at TDBank was utterly clueless that someone had illegally accessed my account and created a false payroll using TDBanks software. I went to the XXXX XXXX branch and met with the manager, XXXX. I reviewed all of this. Complained. Handed her a second demand letter. ( Enclosed. ) XXXX faxed the letter to Ms. XXXX. XX/XX/2019 Emails to XXXX XXXX regarding info provided me. XX/XX/2019- Around XXXX XXXX, Ms. XXXX called me. She said the bank rejected my claim. The reasoning is that it is my responsibility to maintain protection ( which I do ) per the business banking agreement. I explained to Ms. XXXX that I have evidence that the security question is asked and that supports the fact that TDBank did not ask any security questions. She asked me to send this information to her, which I did via email. She is attempting to get the bank to change its mind about declining my claim. - Problem with TDBank position. There is no definition of adequate security I inherited the affected bank account as it came with my purchase of the business The late XXXX XXXX or former employee XXXX XXXX would have signed any banking agreements. All I ever signed was a signature card for the bank. The new TDBank account issued me has a banking agreement. NOTE : MY BROWSING HISTORY DOESNT INDICATE THAT THERE WAS ANY LOG-IN FROM MY COMPUTER ( S ) ON XX/XX/XXXX, THE DAYS WHEN THE ACH TRANSERS WERE MADE. XX/XX/2019 Email to XXXX XXXX, XX/XX/XXXXXXXX. He called me back to discuss my email. He opined that the fact that there was no evidence of malware or virus detected that someone could have entered my office and run the programs. I expressed doubt but told him that XX/XX/XXXX has keys to all offices. XX/XX/2019 Email to XXXX after having discussed his theory with my wife. My server is located apart from the office in a separate room and an unknown quantity of people have access. Also, you can get into my office by sliding a credit card down the door jam. XX/XX/2019 At the advice of friend, used XXXX to post my TD Bank dilemma. They reached out to me almost immediately. XX/XX/2019 Received texts from XXXX XXXX denying my claims again. Also, told that their legal department was now handling it due to their commitment made via XXXX. Received a letter from the bank dated XX/XX/2019 denying my ACH reversals with no reason given. Received a TDBank statement charging for the ACH transfers and showing that they occurred within 24 hours At XXXX XXXX, I returned a call to Officer XXXX XXXX of the XXXX XXXX Police Detective Bureau. He indicated he spoke with an XXXX XXXX at TDBank. XXXX is the head of security at TD. According to Officer XXXX, he read her my statement and his investigative materials, specifically that TD Bank failed to follow its own security protocols in letting this money through. He will make a copy of his report available. XX/XX/2019 Officer XXXX gave me a progress report. First, the payroll created in my TD Bank account consisted of seven people, all of whom were true persons but whose identities had in fact been reported as stolen. Second, all of the XXXX cards that received funds from my account were being used in the XXXX, Colorado area at XXXX and XX/XX/XXXXXXXX ATMs and XXXX XXXX grocers. Officer XXXX had obtained via search warrant the video tapes but these were encrypted. By XX/XX/XXXX, he expects to have unencrypted videos. However, they were able to obtain a photo of the male from the videos. He is working with law enforcement in Colorado. He also stated there are similarities with other cases and made mention of an elderly community in Florida that this individual seems to have attacked. Officer XXXX has proof that the accounts were accessed illegally.
Company Response: Closed with explanation

Timely Response

2019-07-12

Garden City P, NY

Opening an account

Checking or savings account: Savings account

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

Timely Response

2019-07-12

San Gabriel, CA

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: I do not recognize any of the companies the inquired my credit.
Company Response: Closed with explanation

Timely Response

2019-07-11

Key Biscayne, FL

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I've tried to open a checking account at a local XXXX but the associate mentioned he was not able due to a popup error about a block requested by TD Bank. I don't remember having any issued with TD Bank while having this account in 2016.
Company Response: Closed with explanation

Timely Response

2019-07-11

Arsenal, PA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: XXXX. On XX/XX/2019, I applied for and was subsequently approved for XXXX Premier Checking account ending in XXXX in response to a mail promotional offer of {$300.00} ( there was link on the letter as well as instructions how to get the bonus. Here is the link https : //www.td.com/us/en/personal-banking/checking-accounts/ ). The terms and conditions state that Earn {$300.00} when you receive direct deposits of {$2500.00} or more within 90 days of opening your account. 2. By the end of XXXX, I met all requirements of the Offer ( I had direct deposits of more than {$4000.00} coming into my checking account ). 3. By XX/XX/2019 when it has been more than 90 days since opening the account, the bonus did not post. I contacted customer service for assistance and was advised by the a male specialist that an internal message had been forward to the marketing team to investigate my case. After verifying my successful direct deposit, the male specialist asked me to call again in the next few days to follow up. 4. On XX/XX/2019, no bonus posted, no reply yet. I contacted the customer service again and spoke to a female specialist, she first verified my eligibility to get the bonus, and suggested me to wait for some additional time. After hearing that I called the other day on XX/XX/XXXX, she looked up my account and found a response from the marketing team. The marketing team says that I used a wrong link to apply and therefore I am not eligible to receive the bonus. Unhappy with the reply, I asked to be transfer to a supervisor, the supervisor didn't do much investigations and just made up some policy saying I am not eligible. ( These policies were targeted at my special case, not mentioned in the terms and conditions ).
Company Response: Closed with explanation

Timely Response

2019-07-11

Savannah, GA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: During XX/XX/XXXX joint checking accounts held by my ( late ) Father and me were compromised by a home healthcare worker. She fraudulently gained access to the accounts and obtained a debit card while my Father was dependent and suffering from XXXX. XXXX debit card transactions were executed in 20 months valued at {$57.00}, XXXX. No receipts have ever been produced for this activity. In addition, the homecare worker forged my Fathers name to at least 48 checks identified as forged by a nationally recognized handwriting expert. An account valued at {$270000.00} was overdrawn in 15 months due to debit card conversion and forged checks. Statement delivery to the account owners during this period was prevented by mail interception and password changes to online access. Further, the conservator refused to turn over the bank statements preventing discovery. Fraudulent activity was discovered after statements were subpoenaed in XX/XX/XXXX. Bank was notified in XX/XX/XXXXand has thus far refused to acknowledge any role in enabling the forgery and fraudulent debit card activity. TD Bank is responsible for granting access to the account to a person with a history of writing bad checks off TD Bank without proper legal documentation. They failed to identify obvious check forgery and failed to notify the account holder when the velocity and amount of transactions exploded. The fraudulent activity was reported soon after it was discovered yet TD Bank has refused to acknowledge their responsibility sighting OCC rules regarding reporting forgery and debit card fraud. Contemporaneous reporting was impossible because of the suppression of the statements by the guilty. Further, the primary account holder was elderly, lived in a dependent state and suffered from XXXX making it impossible to review and report the activity.
Company Response: Closed with explanation

Timely Response

2019-07-11

Marina Del Rey, 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

2019-07-11

Clayton, MO

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: Hello I requested a 2 month extension 12 months ago ( XXXX ) and was told I can request again this year. I told after XXXX XXXX XXXX payment posted I could request 2 month extension. On the call I told representative that I need it for repayment of state taxes. I was told the manager will only approved 1 month. I was told that taxes doesnt qualify, but was what I advised them same issue last year when requested 2 month extension XXXX. I asked for supervisor XXXX told me there policy never changed its one for natural disasters to get the extension. The supervisor said she was the manager when I asked for a manager. Also stated also was no manager on the floor, but she was the manager. I asked her to review last year call and she refused said can not speak for the other representative but she is supervisor and manager. she told me taxes doesnt qualify because we all pay taxes. I feel was treated unfairly and believe that are offering or giving extensions bae on their own personal decisions. I did get 1 month extension only. I was piput back on phone with XXXX the original rep what told me u can only pay with debit card, when last year I paid online with check. I believe they are participating unfair workflow. I understand extensions are a courtesy but they need to be consistent on their policies. I would like my account to be reviewed from last year extension and this year. Also should be reviewed.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-11

Providence, RI

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: While on vacation in XXXX during XX/XX/XXXX a vendor that my wife and I bought a 80 purchase from. While there the vendor still had a hand held device that was used to read card only no screens or info showed.The vendor when we left tried to access a transaction through my card 3 times. XXXX that Td bank stopped. XXXX that td bank put through and the next day XXXX that td bank stopped. On the XXXX when I got to the resort and checked my account cause family that was with us got hit for fraud for XXXX and there bank stopped it I called my bank in USA and had my branch stop my cards.myself and branCh managers filed 3 complaints for obvious fraud and all were denied. There was obvious fraud 3 times 2 in which TD bank stopped. Bank managers were even dumbfounded.
Company Response: Closed with monetary relief

Timely Response

2019-07-11

Brooklyn, NY

Fees or interest

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

Unexpected increase in interest rate
Complaint: Bank : TD Credit card : TD CASH, VISA My interest Rate is at 25.24 % and I've been paying my bill on time for the past 6 months. I called in and was unable to get it lowered. Judging by my credit cart payments my creditworthiness should not fit into that third bracket of 25.24 % When I called customer support at XXXX XXXX XXXX XXXX. I was told that rate is based off of my creditworthiness, but my creditworthiness is good based off of my payments. They never told me what the Prime Rates for the card is so I was left with little help.
Company Response: Closed with explanation

Timely Response

2019-07-11

Benton, ME

Closing on a mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2019-07-11

Far Rockaway, NY

Lost or stolen money order

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

Complaint: My XXXX XXXX money order was stolen, fraudulently altered and forged by a TD Bank customer, who then deposited the money order into its TD Bank account through TD 's ATM machine. TD Bank, as the XXXX XXXX XXXX XXXX, was not authorized to clear this stolen money, and is legally liable to reimburse me for my loss, {$180.00}. TD Bank sent a letter to XXXX XXXX denying my request for reimbursement on XX/XX/XXXX despite its own letter stating : " If an item contains both an unauthorized signature of the account holder or purchaser and an alteration it is deemed to be a forgery and the drawee/payor bank is liable ''. TD Bank is the BOFD/drawee/payor bank! In follow up, I received a letter from TD Bank dated XX/XX/XXXX asking me to re-submit to TD Bank my claim in the format it needed ( altered payee only ) even though the money order had been both altered and forged, and assured it will refund my money. Throughout numerous conversations with TD Bank 's XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) I was assured TD Bank will reimburse me once it received the new submittal from XXXX XXXX, but repeatedly lied and claimed they never received the form from XXXX XXXX. XXXX XXXX, through my CFPB complaint, responded it had in fact furnished TD Bank TWICE with the newly submitted claim form ( for altered payee ) back in XX/XX/XXXX, to which TD Bank repeatedly lied and claimed it never received. I intend to sue TD bank in Small Claims Court for my loss, and am at a loss to understand their scheme to cause intentional harm and defraud me out of my right to reimbursement.
Company Response: Closed with non-monetary relief

Timely Response