TD BANK US HOLDING COMPANY

2019-07-03

Naples, FL

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

2019-07-03

East Windsor, NJ

Incorrect information on your report

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

Information belongs to someone else
Complaint: Target XXXX XXXX added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Target XXXX XXXX reported the following delinquencies to all 3 credit reporting agencies : 30 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also reported 60 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX along with a 90 day delinquency XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my XXXX XXXX and myself conferenced called Target XXXX XXXX. My wife requested Target to revoke my signing authority and I requested them to correct my credit reports. Target said the credit history on my credit file would remain the same. I them asked them to provide me with a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked Target to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am self employed and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing disputes with XXXX, XXXX and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB.
Company Response: Closed with non-monetary relief

Timely Response

2019-07-03

Brookside, NJ

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2019-07-03

Ridley Park, PA

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-07-03

NV

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: On XX/XX/XXXX we purchased furniture from XXXX XXXX in XXXX, Nv on a credit card interest free contract with TD Bank Retail Card Services. When i received the bill I noticed charges were more than the sale price. XXXX refused to do anything about it. So, rather than fight with them I took the balance due, divided by the months that I had to pay off before interest would be accrued less one month to insure it would be paid off by due date. That came to {$75.00} a month as of statement balance on XXXX of {$1500.00}. Due date to pay off before interest accrued is XX/XX/XXXX. I set up auto payments with my bank to pay on second wednesday of every month to insure that payment would be received before the XXXX due date on statement. I received a letter from TD retail card services informing me that I owed XXXX more on my next payment plus {$83.00} minimum payment. I called them and they said because my payment was XXXX short of the {$83.00} required each month they charged me XXXX fee. The rep did say that it wasn't a late fee because they did receive my payment on time. The fee was because my payment was short by {$8.00}. They charged me this fee for two months. The rep was very rude and would not reverse the charges and she then said that they required XXXX a month. By requiring this amount of payment they are actually shortening my contract by three months!! Statement balance without fees as of This is fraud at its best. Instead of my contract having a due date of XX/XX/XXXX they are collecting to pay off contract by XX/XX/XXXX. This is a breach of contract!!! How can they be allowed to do such illegal practices? Because you are a government entitiy, I hope you will look into this matter. This is illegally changing a contract to their likings and advantage. This is criminal.
Company Response: Closed with monetary relief

Timely Response

2019-07-03

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

2019-07-03

S Plainfield, NJ

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

2019-07-03

Hasbrouck Heights, NJ

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-07-02

Plainsboro, NJ

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2019-07-02

Jamaica, NY

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-07-02

Austin, TX

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

2019-07-02

Bloomingdale, NJ

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2019-07-02

NY

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: On XX/XX/2017 I used my credit card for a friend that lives out of the country to pay a some type of fees on his timeshare account with XXXX XXXX XXXX XXXX XXXX XXXX ; Because his credit/debit card was declined due to his banking security issues and he was not able to use his own credit/debit card at that time, so I used my card for the transaction. That was the ( ONLY TRANSACTION ) I allowed to be made on my credit card and never signed any contract with XXXX XXXX XXXX XXXX. ; After a couple of months I was traveling in XXXX and tried to use my card for a small purchase and the transaction was denied, I figured that the transaction was declined because I was out of the country at that time. Once I arrived back to the United States I contacted my bank and logged in to my online account only to find out that there were several large amount charges from XXXX XXXX XXXX / XXXX on my credit cards, so I contacted my credit card companies and let them know that the transactions were not authorized by me, so they place a claim for the transactions. Everything seems to be fixed for a while but after a couple of months the charges were reversed back to my account and the bank issued me a letter stating that XXXX XXXX XXXX XXXX. XXXX. ; provided them with my authorization for the transactions when I did not. XXXX XXXX XXXX XXXX. XXXX. negligently and knowingly charged my cards without my authorization for their member/stockholder account because their member/stockholder credit/debit card would not go through for the transactions, so they charged my cards over and over. Without my authorization XXXX XXXX XXXX XXXX. XXXX. saved my card information on their system without notifying either myself or their member/stockholder. After and while looking up the company online I found similar situations, they are money hungry and their agents try and do anything to get money in no matter what even it it is to break law in every aspect. Now, I owe my credit card companies {XXXX} not counting interests and my credit card companies only tells me to go to the police and nothing is resolved. Now the only choice I have is to file a law suit in Federal Court to recover the moneys they charged me because I can never pay this amount. This also have impacted dramatically my credit scores making it impossible for me to get a loan due to extremely high interest charges. Even more, myself and my partner have almost all of our accounts jointly and his credit has also been affected dramatically.
Company Response: Closed with explanation

Timely Response

2019-07-02

Philadelphia, PA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I reported a scam on my bank account on XX/XX/19 ( TD Bank ), and was told the money would be refunded in 3-5 days. The total was {$3000.00}. I called back after 5 days and the next person I talked to said I dont know what that person was talking about, your fraud claim was rejected I filed an appeal, and kept calling and calling- I even went into my local bank at XXXX and XXXX XXXX in XXXX , and called several times. No one got back to me. I gave up, became depressed- but figured I would reach out here to see if anyone could help
Company Response: Closed with explanation

Timely Response

2019-07-01

Green Acres, FL

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with non-monetary relief

Timely Response

2019-07-01

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-07-01

Birmingham, AL

Charged fees or interest you didn't expect

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

Company Response: Closed with non-monetary relief

Timely Response

2019-07-01

Manhattan, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-07-01

Covington, KY

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

2019-07-01

Dunnellon, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-07-01

Corona, NY

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with explanation

Timely Response

2019-07-01

Alma, GA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with non-monetary relief

Timely Response

2019-07-01

Echelon, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-06-30

Staten Island, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-29

Los Angeles, CA

Getting a credit card

Credit card or prepaid card: Store credit card

Delay in processing application
Company Response: Closed with explanation

Timely Response