TD BANK US HOLDING COMPANY

2019-07-10

Carson, CA

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

2019-07-10

Bronx, NY

Fraud or scam

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

Complaint: I purchased 2 money orders in XX/XX/XXXX. one of the amount {$450.00} and the other of {$1600.00} from XXXX cashier and placed them in a mail box. Both money orders was stolen and altered. I did everything in my end to receive my money back. I made a police report and did everything in my end with XXXX cashier to get refunded back. I received my money back for the amount {$450.00} a few weeks ago from XXXX Cashier. On XX/XX/XXXX I received a letter from XXXX that was sent by XXXX XXXX from the XXXX XXXX XXXX XXXX that my claim was denied because they claim there was no proof of alteration. Since that day I have been reaching out to XXXX via email. I sent her an email to please consider reviewing my case again and sent her 11 attachments of my documents just in case there was something that wasn't sent by XXXX. I not yet to receive and response email back by XXXX in regards to this matter. I am going on a 1 year dealing with this situation. I work hard for my money and gave up {$1600.00} quickly to XXXX and to be refunded this money back has been XXXX and has caused myself and family a hardship and an enormous amount of stressed.
Company Response: Closed with explanation

Timely Response

2019-07-10

Foothill Ranch, 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 went to a used car dealership on XX/XX/2019 at XXXX XXXX XXXX in XXXX XXXX to test out a XXXX on their lot. Met the salesman, test drove it and I loved it. After three hours of negotiating a contract I was able to get the deal and price I wanted. I signed numerous papers and was told my car would be ready in two days so they could detail it. Two days later I get a call from the manager telling me the car has numerous leaks and they wont sell it to me now, and that its being put up for auction. I told him my family member is a mechanic and Id like to have him look at it, knowing this already seemed fishy. He told me no and that their reputation stands by it. He said I can look at other cars on the lot and get one of those, I told him no, the Jeep was what I wanted and came for and that they should honor my contract or terminate it. He terminated it. Found out he sold the XXXX to another person. Now, I have all these inquiries on my credit report that I can't get a loan approved for it. Many of these inquiries I didn't authorize.
Company Response: Closed with explanation

Timely Response

2019-07-10

New York, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2019-07-10

Flushing, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-07-09

Southern Pnes, NC

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: Hello, I have a couple of issues with my account that needs immediate attention. The first issue was ignited after speaking with credit counseling services. They told me that I needed to hurry up and make payments before interested attaches to my account. His statement was not accurate and really frustrated me because my promotional expiration date was for 60 months. I dont understand how that could have possibly changed because thats what I signed up for during my initial purchase at XXXX. Not to mention its on my XXXX / XXXX statement ( which I have attached ). My Second issue has to do with how my payments have been applied to my account. If you look at my XXXX / XXXX statement and compare it to my XXXX / XXXX statement under SUMMARY of Promotional and Standard Balances you will see that Credit Plan # XXXX, XXXX, and XXXX are still somewhat close to what the outstanding balances were in XXXX. Which is odd because there is no interest on these items and they should have all been paid off by now. Especially being that I open this account back in XXXX of XXXX. In addition to that, when you look at the promotion expiration dates on the two statements. My XXXX / XXXX statement states that my promotion ends in year XXXX but my XXXX / XXXX statement says my promotion ended XXXX of XXXX ( which is inaccurate ). Unfortunately, I couldnt go back any further to gather more information due to the limitations of XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-07-09

Campton Hills, IL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-07-09

Charles A Hayes, IL

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2019-07-09

Chula Vista, CA

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 non-monetary relief

Timely Response

2019-07-09

TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: This debt collection account was paid off. Account is still currently reporting as a derogatory charge off. The account was paid in full {$390.00} as of XX/XX/2018.
Company Response: Closed with explanation

Timely Response

2019-07-08

Boston, MA

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

2019-07-08

Council, NC

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with non-monetary relief

Timely Response

2019-07-08

Philadelphia, PA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: TD Bank keeps charging me overdraft fees for things that have not been paid out yet ( the charge is still pending ) They also charge me overdraft fees out of order of occurrence. They post transactions out of order, giving me a false sense of account balance. Then they retro date transactions and take their fees and throw my account into overdraft. So any transaction that I make before they take their fees is now in overdraft after they take the fee because it is retroactively dated and pushed every transaction after that back as if it weren't enough money in the account when there was at the time of transaction.
Company Response: Closed with explanation

Timely Response

2019-07-07

Bohemia, NY

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-07-07

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: On XX/XX/XXXX, I called in TDBank for support for disputing a charge. Call attendant said to called again at another time when charge gets posted officially, refusing to help to dispute charge or leave instructions to dispute later, requiring me to call again. On XX/XX/XXXX, called in twice, both call attendants refusing to help. On first called, the call attendant refused to help after 5 questions of authentication and refused to get me help, wasted 20 minutes. On second call after an hour of wait, attendant said the account is locked and refused to help on my charge dispute. There's no consumer protection at TDBank to help dispute erroneous charges. There's a setup to deter and discourage customer complaints. For three calls in total, a strange run-around setup and can't get anything done. Please provide heavy fines for this corrupt institution. Do not use TDBank.
Company Response: Closed with monetary relief

Timely Response

2019-07-06

Boston, MA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I am writing to dispute a report made by TD Auto Finance to the creditors regarding a late payment on my account made on XX/XX/19. This was a result of a technical issue on their website with the setup of autopay which Im still attempting to get resolved with TD Auto Finance customer service. I've encountered what appears to be a technical issue on their website while when applying a payment, the payment is applied to the Principle only and not my monthly payments. This resulted in a late payment being applied to my account for {$5.00} on XX/XX/19 which was reported to all credit agencies essentially lowering my score some XXXX points. From XXXX -> XXXX ( XXXX/XXXX ). I've tried several times to resolve with TD Auto Finance yet they still only apply my payment to the principle and not my monthly payment. I'm then forced to call customer service and then have then manually reverse and reapply to my monthly. At the time of the reported late incident I had both the funds in my account and every intention to pay to avoid incidents such as this. As this was the results of some technical issue with the site, I'd like to submit this complaint. Thank you for reading. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-05

Tucson, AZ

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 monetary relief

Timely Response

2019-07-05

Brooklyn, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Company Response: Closed with explanation

Timely Response

2019-07-05

Barnsboro, NJ

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2019-07-05

Phila, PA

Closing on a mortgage

Mortgage: Reverse mortgage

Company Response: Closed with explanation

Timely Response

2019-07-05

Arden, DE

Closing your account

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

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-07-05

MA

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
Complaint: This is a followup with my complaint about TD Bank. They have admitted to having a system wherein they accept larger pending payments on their overdraft accounts first and thereby make it more likely for many small payments such as coffee payments to slam customers such as 15 small purchases of say XXXX each or XXXX costing a customer about {$500.00} in overdraft by design rather than say {$35.00}. Being dishonest about account balances is another tactic used by TD such as withholding monthly fee charges from account balances and charging these fees at right time so that a customer with overdraft is charged hundreds for many small pending charges. Designed internally to maximize massively costly charges to people and even planned and timed to accomplish. Recently an executive named Ms XXXX XXXX and have not received information about where to send the fraud dispute for unauthorized use of my TD credit card in 2014. No cooperation, transparency, or good faith.
Company Response: Closed with explanation

Timely Response

2019-07-04

CA

Incorrect information on your report

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

Account status incorrect
Complaint: I am having trouble getting proof that I paid off a credit card that went into collections, and it is prohibiting me from getting a home loan, as the letter that I have from the collections agency is apparently not good enough. I paid the account off through the collection agency in XX/XX/2019 ( please see the attached ), and when I went to have my home loan people run my credit through XXXX ( their credit vendor ) and do a Rapid Rescore to have the balance reflect at a Bureau level, and they informed me that the documentation needed to come from TARGET themselves. I called TARGET and they informed me the account was no longer held with them and provided me a number to call to get further information ; the phone number was for the Law Office ( that I had originally spoken to in order to pay it off ). So then I called TD BANK and they informed me that they no longer had the account either.
Company Response: Closed with explanation

Timely Response

2019-07-04

Memphis, TN

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: I am the victim of identity theft and several credit cards were opened using my personal information. I have filed a police report several times as a result of fraudulent accounts being established in my name without my knowledge. One store credit card in particular that was opened with TD Bank/Target was opened up online using my personal information. I have tried several times to resolve this issue with TD Bank/Target, but they have refused to accept my police report and identity theft affidavit. They have not provided any proof that shows that I was the individual that opened this account other than stating that payments were made. The credit card was charged up to {$350.00} at Target. I have provided TD Bank/Target with all my identification, proof of residence, police report as well as an identity theft affidavit used by their fraud department. They have refused to help me resolve this issue despite all of the documentation that I have provided.
Company Response: Closed with explanation

Timely Response

2019-07-04

Phila, PA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with explanation

Timely Response