TD BANK US HOLDING COMPANY

2019-06-19

Spfld, MA

Improper use of your report

Checking or savings account: Other banking product or service

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-06-19

Hinsdale, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XX/XX/2018 Nordstrom/TD Bank Opened account for XXXX for 11mos Ive never used this card nor did I fill out and application to open this account.I have filled out a police report and a FTC.GOV report regarding this matter. I've called XXXX and they stated Nordstrom is comfirming this was my account. This information was reported to a childhood address which I haven't lived in 40yrs. also they are reporting a 1st payment was never received. I have resubmitted everything to XXXX for the fifth time. XXXX XXXX XXXX opened account XX/XX/2018 for the amount of XXXX this was removed then added back. Ive called requesting more information from both XXXX and XXXX
Company Response: Closed with explanation

Timely Response

2019-06-19

Woodland, WA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: I purchased a car in XXXX in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX, and registered the car with the XXXX state. I changed my address with the XXXX DMV multiple times. In XX/XX/XXXX, I paid off the car. I contacted TD Finance to get my title, but they kept telling me that the XXXX DMV is not releasing it due to " unfinished transferring process ''. I contacted XXXX DMV and they stated that my transfer/address changed was done correctly, and there is nothing for me to do, TD Auto finance needs to release the lien so they can send me a new title. I contacted TD Finance again, and they insist that the XXXX DMV needs me to finish the process and won't release my title, and continue to hang up on me every time I try to get them to resolve the issue. It's been close to 8 months since I paid off the car, and I am still unable to get my title.
Company Response: Closed with explanation

Timely Response

2019-06-19

San Antonio, TX

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
Complaint: We attempted to resolve this with the creditor a couple months ago. We did not receive any correspondence in the 30 days of the dispute that shows the creditor has the right to continue to report negatively
Company Response: Closed with explanation

Timely Response

2019-06-18

Baltimore, MD

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2019-06-18

Southern Pnes, NC

Incorrect information on your report

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

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

Timely Response

2019-06-18

Boloxi, MS

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I want to close my checking account with TD Bank. I have tried numerous times to get my money out of the account. The latest instance, I called the bank to reactivate the account. After a lengthy time on the phone, the representative told me they reactivated the account and that I must make a transaction in order to keep it active. Afterwards, when I logged into my account to make a transaction I discovered I was restricted from making any transactions including bill payments and transfers to my other bank accounts. I emailed the bank, asking them to close my account and send me a check for the account balance. They sent me a message directing me to send them a signed and notarized letter. I am not going to do that. I want my money returned to me immediately! This bank 's actions are outrageous. They do not have the right to keep my money.
Company Response: Closed with explanation

Timely Response

2019-06-18

Greenwood, CA

Managing an account

Checking or savings account: Savings account

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

Timely Response

2019-06-18

Lenola, NJ

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Closed with monetary relief

Timely Response

2019-06-18

Allenwood, NJ

Incorrect information on your report

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

Information is incorrect
Complaint: I recently arrived at a settlement with TD Bank regarding reinstatement of my mortgage account. Throughout the duration of the legal proceedings, I was being charged with " late payments '' on my credit report as well as with a foreclosure mark as well. After the settlement, the foreclosure mark was removed but the late payments are still on my account. I was ready to begin paying my mortgage from the beginning of this entire ordeal at the mortgage rate in which we settled on eventually despite the legal proceedings. TD bank was solely responsible for not accepting my payments due to inefficiencies on their part and I do not believe that I deserve to be continuously penalized for something I could not control ( ability to make payments ). I respectfully demand that all late payments be stricken from my credit report immediately in order to prevent further financial hardship on the consumer. Please feel free to contact myself or my attorney if you require any information which you do not already have access to. Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-06-18

Billerica, MA

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
Complaint: 1- I went into my local branch of TD Bank at XXXX XXXX XXXX XXXX XXXX Ma XXXX and asked if there was a loan program that I could borrow {$500.00} to help build my credit. The bank manager, XXXX XXXX, took an application-when I got outside I saw the amount was for $ XXXX-I went back inside and questioned that and was told - '' oh don't worry it was for {$500.00}. ( XX/XX/XXXX ) I do know that the Subscriber Code number of the loan is XXXX and the TNAL CPM number is XXXX ( whatever that means ) 2. I went back the next day and asked for a copy of the loan application from XXXX and was told once the application is sent over the internet she could not get it. 3. I called customer service XXXX XXXX XXXX on XX/XX/XXXX and asked them if that was true and they did not know but told me the minimum for a loan was {$5000.00}! I was very upset because if I had know this ( and the bank Manager should have known never to take an application in the minimum to ask for was {$5000.00} ) I would have never applied! ) Now of course this was denied as I was asking for {$500.00} - plus she requested {$1200.00} -- -which she won't show me! Customer service sent me a form -- Consumer Credit Report Report Form as I wanted to dispute the fact that a hard copy of my credit report should have never been requested as it lowered my credit score by 8 valuable points as the loan should have never been taken as I was given totally incorrect information. 4. I sent the report out to TD Bank XXXX XXXX XXXX XXXX ME XXXX ( I have a copy ) on XX/XX/XXXX. 5. I hadn't heard from them by mid XX/XX/XXXX and for some reason I received a random email from TD Bank asking me how I like TD Bank ... so I explained 1-4 above! 6. Within a few weeks, I received a phone call from a Miss XXXX XXXX, who never gave me her professional title, but told me she was in charge of many banks in my area and would get to the bottom of this. Her phone # XXXX email XXXX and the only address I have is c/o TD Bank c/o XXXX XXXX, XXXX MA XXXX XXXX. On or about XX/XX/XXXX Ms. XXXX called me and stated on of her workers had sent a letter to XXXX - stating that there was a misunderstanding at TD Bank and the loan applications should not have been taken and could they fix my credit report and remove their hard inquiry. 8. On XX/XX/XXXX, I called XXXX XXXX ( XXXX XXXX XXXX XXXX TX XXXX ) and asked if they received the letter from TD Bank or is it at least pending? The rep checked and informed me they have not received any letter in the past 60 days The rep informed me the best way to do anything was for me to ask TD Bank for a copy of that letter and for me to dispute thru XXXX and attach that letter as proof. 9. On XX/XX/XXXX I called Ms. XXXX and told her the above ... she informed me that under Federal Regulations she is not allowed to give me that letter! I do not understand why? Can you please try to help me? This has been going on for 6 months and I really need to get those 8 points back on my credit report. TD bank was wrong in taking that application and I was given incorrect information. Thank you in advance
Company Response: Closed with explanation

Timely Response

2019-06-18

NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/2019 a withdraw of my personal checking account was authorized without my permission. I was hacked and had to change my account number. The total was {$2900.00}. The name appeared was XXXX XXXX and XXXX XXXX on 3 different transactions. I was not the one making these withdraws and would like my money back. Thanks XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2019-06-17

San Francisco, 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

2019-06-17

NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/2019, an unknown individual gain access to me and my sons joint account. This said individual then write a check for {$250.00} in his name and sent check to himself. On XX/XX/XXXX when my son went to use his bank card all his funds were gone. We immediately call TD bank and they help us change accounts and everything. We filled a dispute and had to wait 15 days. On XX/XX/XXXX I realized that they denied the claim, said I needed a police report. So I went to my local police station and filed a police report. Not to much they can do being this individual lived in South Carolina and we live in New Jersey. So I tool that to bank and refilled a police report. 15 days later was denied again. Fraud department later said I needed to try to file a police report in South Carolina, so I did. South Carolina police said this individual was a known criminal and they arrested him. I took TD bank that police report as well. Then fraud department said I needed an affidavit of fraudulent charges on my account that had to be notarized. Did that, now we into XXXX fighting with td about this money. In XX/XX/XXXX I filed my last dispute and was denied by them saying, hey we see that you didn't do this and this person did but there is nothing we can do for you because we don't know how he got into your account.
Company Response: Closed with explanation

Timely Response

2019-06-17

N San Juan, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Complaint: Target out in XXXX XXXX someone charge my car out there charge {$1100.00} in my name Target trying to put the charge on me my information was hacked I am not paying for a XXXX. I'm going to fight this and make the world knows
Company Response: Closed with explanation

Timely Response

2019-06-17

Glens Falls, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-06-17

Coppell, TX

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: TD BANK USA/TARGETCRED is the creditor Ive been having issues with. There is a 30 day late pay that stems back from XX/XX/XXXX that is the cause of my complaint. I have had my account with them on autopay since my account begain in XX/XX/XXXX. Target says there was an issue with my autopay account yet my account has not changed since I first opened the card. I was told my autopay didnt go through yet I received no notification on that and to this day I have been using the same form of payment for auto pay. I have been contacting Target for 3 years no with no response from them.
Company Response: Closed with explanation

Timely Response

2019-06-17

Phila, PA

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with monetary relief

Timely Response

2019-06-17

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On Saturday XX/XX/XXXX I deposited a check for the amount of {$100.00} via mobile deposit using my cell phone. At the time my account balance was {$2.00}. on Sunday XX/XX/2019, I noticed that my account was a negative - {$9.00} I called the TD bank to ask why my funds were not available. I spoke to a representative by the name of XXXX. He asked me how did I deposit the check, I informed him that it was Via My cell phone using the mobile deposit feature. he stated " That's The Problem '' and that if it was processed after XXXX on a saturday that it would take an additional business day. I said : but you guy are open and processing transactions today so why does that not count as a business day if your getting paid to work and accepting transactions. He said : if I would have walked into a bank that I would have had {$100.00} of that available. I asked him about the {$35.00} Overdrawn account fee I would receive because of this transaction when I clearly have money in my TD checking account pending. At this point he began getting frustrated but not trying to show it. he started repeating the same thing over and over before I asked to speak to manager. " There is nothing i can do, you have to wait another business day for the check to clear. '' A female manager came on the phone without even stating her name and just said " Hello '' as if she was on a personal phone call. I asked her is that how you answer the phone as manager?. she said : I was busy but how can I help you?. I said : by the way you answered the phone I really dont believe you have any intention of helping me is there anyone else I can talk to? She said " NO '' im the only one here. I stated I dont believe that and at this point I became frustrated with the lies already. I hung up and called back just cause I knew she was lying. I asked to speak to a manager right away. The lady proceeded to ask for all my information but, I told her that I rather not and would like to just speak to a manager. I know they can see who I am without asking that. ( Again, fifteen years of Customer service in a call center setting ). I then get a Manager by the name of XXXX whom starts to repeat the same thing word for word as the other previous people I just spoke to. No matter what I asked I got that same answer. " there is nothing I can do you have to wait another business day. '' he also stated that I could walk into a branch and speak to someone and they might be able to help me. After almost 1 hour on the phone with TD bank and very frustrated, i decided to send emails and got nowhere. On monday XX/XX/2019 I walked into My local TD Bank on XXXX XXXX in XXXX, NY and waited 30 minutes to be seen. I was seen by XXXX whom also said the same thing everyone over the phone was saying. word for word. " There is nothing I can do and you have to wait until " Tuesday '' to get your money. That would be 3 days I have to wait and my sick mother needs her medicine. He stated that Saturday, Sunday and Monday is 1 business day. He also suggested that I " OVERDRAFT ' my account. At this point I was appalled with all the lies coming from this company and its representatives and was ready to close my account and switch banks. I told XXXX that I would not accept that and would like to close my account and, I would like to speak to a manger. He then stated that he was the Supervisor and that there was no one else available. I asked to speak to his boss. he stated that she was right there and to give him a minute. after 5 minutes of waiting that's when I decided to stand up and wait to speak to her while he took another customer. I stood by the front door of the bank for exactly 30 minutes before receiving a phone call from the Person I was talking to via The XXXX App Direct Mail feature. She started saying the same thing as the others and at this point I am ready to hurt myself because I can't get access to my money and was already told to overdraft my account just to get my money and my mother has been sick and waiting for 2 days now. I began to Scream out of frustration again about how this is not fair and this is my money and I came here to bank for convenience and this is exactly the opposite. It's not fair that I am being penalized with overdrafts fees when I have money In my account pending and on top of that I can't even get the money cause it has not cleared only because I used the mobile app instead of walking into a TD Branch and depositing the check and {$100.00} would have been available. However, she ended up making the funds available for me.She is a life saver and my mother thanks her from the bottom of her heart. I forget the Lady name but i hope she gets mentioned in this article. Customers should not have to go through all of that knowing there is an exception to every rule.
Company Response: Closed with explanation

Timely Response

2019-06-17

Arlington, MD

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2019-06-17

NY

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: This is a new complaint I am still waiting to hear from TD Bank regarding overdraft charges from XX/XX/2019 XX/XX/2019, XX/XX/2019 Overdraft fees XX/XX/2019 FEE OVERDRAFT PD View fee details - {$140.00} - {$210.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$12.00} - {$74.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$5.00} - {$61.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NO XXXX XXXX XXXX XXXX NY - {$20.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$29.00} - {$35.00} XX/XX/2019 FEE OVERDRAFT PD View fee details - {$100.00} - {$6.00} XX/XX/2019 XXXX XXXX WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY - {$40.00} {$98.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$50.00} {$130.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$50.00} {$88.00} XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * NY XXXX {$5.00} {$38.00} XX/XX/2019 CREDIT Online Xfer Transfer from XXXX XXXX {$100.00} {$43.00} XX/XX/2019 XXXX XXXX XXXX ONLINE PMT - {$25.00} - {$56.00} XX/XX/2019 XXXX XXXX XXXX ONLINE PMT - {$25.00} - {$31.00} XX/XX/2019 DEBIT CARD
Company Response: Closed with explanation

Timely Response

2019-06-16

Philadelphia, PA

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Complaint: I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day. Please send a letter stating that these issue has been resolved to : XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-06-16

Brentwood, TN

Excessive fees

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

Complaint: Target account has derogatory missed payments on my credit report that I would like to have removed
Company Response: Closed with explanation

Timely Response

2019-06-15

Wake Forest, NC

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: On XX/XX/2019I paid my XXXX XXXX credit card balance in full. The money cleared my bank account on XX/XX/19- since that time XXXX has reflected that I have a {$0.00} balance on my card but has not restored my available credit to its correct limit. I have sent numerous messages to XXXX XXXX XXXX who have informed me that yes the payment is showing but that they would like to do a conference call with my bank to confirm that It has cleared. This is absurd as I have no intentions of allowing a third party to discuss my banking information with my financial institution. Whereas the payment has cleared my bank, and my credit card balance is 0, they should immediately restore my credit to its capacity limit that was allotted to me upon opening the card.
Company Response: Closed with explanation

Timely Response

2019-06-15

Altamonte Spg, 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