TD BANK US HOLDING COMPANY

2019-06-15

Chalfont, PA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-06-14

Fort Lawton, WA

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

2019-06-14

Greer, SC

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-06-14

Phila, PA

Closing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-06-14

Pryse, KY

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: My wife and I wanted a treadmill. We contacted XXXX and discussed ordering a treadmill with them. Next thing I knew I had a credit card account with them. I did not order a treadmill or attempt to get financing for one. I can see from reviews of XXXX XXXX online that I am not the first to have this happen. I have never received any merchandise from this company. I have not signed or agreed to anything from this company. I do not owe this company any money. They have since sold the account to a debt collector and now I am getting harassing phone calls and certified mail. Now they say I owe them {$760.00} and I have zero products or services from them. I am worried they will now try and sue me for something I didn't authorize or receive. Please help.
Company Response: Closed with monetary relief

Timely Response

2019-06-13

Harriman, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-06-13

Christiana, DE

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-06-13

Cary, NC

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Company Response: Closed with explanation

Timely Response

2019-06-13

Cutler Bay, FL

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-06-13

NY

Managing an account

Checking or savings account: Savings account

Problem making or receiving payments
Complaint: In regards to prior filed complaint XXXX, TD Bank of XXXX NY once again failed to keep their word to a costumer after failing to do their job initially. The original amount of {$5400.00} that was promised to be returned after they failed to ID an unknown costumer, was NOT fully reimbursed as they stated it would be. The amount that was refunded was {$5100.00} which is {$250.00} PLUS INTEREST short of the initial amount. This problem has occurred nearly 10 months ago and they have still not managed to clear this matter up.
Company Response: Closed with explanation

Timely Response

2019-06-13

Washington, DC

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: On XX/XX/2019, we applied for a mortgage with TD Bank , N.A . with XXXX XXXX. The Loan estimator provided had a mortgage amount of {$660000.00} and a Rate Lock Agreement which stipulated a floating rate even though we asked to lock the rate. On XX/XX/2019, another Loan Estimator was sent with the correct Rate Lock Agreement set at 3.625 %. On XX/XX/2019, at XXXX XXXX, XXXX called me to ask for an additional downpayment of {$39000.00} in order to get our loan approved. This brought the loan to value to down to 75.3 % from 80.0 % in the original application. XXXX failed to tell us that TD Bank was offering a mortgage interest rate of 3.50 % to clients with 25 % downpayment. The lower rate option should have been made available when TD Bank decided to change the terms of the agreement. The request for the additional amount to bring our downpayment to 24.7 % appears to have been done purposely in order to avoid giving us their best rate for equally qualified customers. On XX/XX/2019, TD Bank asked us to sign and return at the branch the original Loan Estimator with the original loan amount and the variable rate selected on the rate lock agreement. Prior to closing, I sent XXXX and his manager, XXXX XXXX, an email on XX/XX/2019, advising them that we should have been offered the lower 3.50 % rate on our mortgage when the terms of our loan amount were changed by TD Bank. Mr. XXXX insists there is nothing he can do since the rate lock agreement is signed. The Rate Lock Agreement, TD Bank 's website, and the CFPB all agree that the interest rate in the rate lock agreement can change when the terms of the loan change. In this case, the terms changed at TD Bank 's request. On XX/XX/2019, Mr. XXXX offered a refund of {$770.00} which is far less than the {$20000.00} the lower rate would save us over the term of the loan. After numerous emails and unreturned voicemails, they could not explain how TD Bank could justify giving different rates to clients with the same credit rating and the same loan to value ratio.
Company Response: Closed with explanation

Timely Response

2019-06-13

Long Island City, NY

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: Recently I have been a victim of an online banking fraud where the perpetrator was able to use a phone call to verify a transfer from my account. That person was able to obtain {$1100.00} from my TD bank checking account using a transferring platform called XXXX on XX/XX/2019. I had absolutely no knowledge of this transaction nor have I ever received a call or message to confirm or allow the transaction to go through. I was even at a TD bank when the transaction occurred and the bank specialist saw the transaction occur and was pending. Even after I said it wasnt me and specifically told the representative to not allow the transaction to go through he told me in order to deal with this fraud situation you will have to allow the transaction to post. Being that he was a professional with experience I listened to him and allowed him to take the actions he believed were necessary. That day we put in a claim and called the fraud department to let them know about the situation and he confirmed with me that I should not worry that I will get my money back. As a person with good faith and trust in our financial institution I followed orders and waited as I was told to. About a week later I found out they denied my claim saying it was familiar fraud. I live in XXXX XXXX and the confirmation phone call they said occurred was in XXXX XXXX and my money was transferred to someone in Arizona which are two states I have absolutely no relations with. I have no family, friends, peers that are from these areas which proves how I am a victim. I never confirmed a transaction like that and I never allowed a secondary person to have authority on my account. I am the only authorized person that is able to handle everything with that account which is why it is extremely strange that they allowed a transaction to occur through an unknown phone confirmation. After being denied I put in a 2nd claim and then got denied again and then put in a 3rd claim and received the same results. Finally I submitted a 4th claim with a police report that explicitly states I have been a victim of identity theft but the bank still denies to reimburse me. Now 6 weeks have passed ( XX/XX/2019 ) and I am still not reimbursed and have been told they can not help me with this situation any longer. TD bank said I have to go through legal action and small claims court in order to try to recuperate my losses. As a consumer in a financial institution I am appalled by the handling of this situation. I have been banking with them for 4 years and never once filed a complaint or a claim for fraud. This is my first time and it is obvious this a fraud situation but they are unwilling to help me or reimburse me. The bank has me running around for paper work and police reports in order to receive a reimbursement and even after I have obtained and gave them all the document proof they are still giving me a hard time and making me as a consumer to deal with this loss. Being that I have rights as a consumer and there are laws regarding these situation such as the Electronic Funds Transfer Act, I am upset that I have no protection from these terrible fraud situations. I am really hoping with this written complaint I will get the justice I deserve and based on the results will be able to once again trust the financial institutions. I can provide any documents necessary or answer any concerns or questions that you may need me to provide in order to resolve this situation.
Company Response: Closed with monetary relief

Timely Response

2019-06-12

Nyc, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-06-12

Union City, 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 explanation

Timely Response

2019-06-12

Wimauma, FL

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-06-12

Paterson, NJ

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

2019-06-12

Cheverly, MD

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I am tired of the bank taking money from me in fees intentionally. I let them do it once before but this has gone way too far. I am being charged for items that don't even post to the account. Not to mention I put the cash in the account before I spend it to ensure that it is there. I have a witness this time that saw me put the money in the account and I took a screenshot of the funds before I made the purchase. This needs to be addressed as it takes advantage of consumers like myself. I don't work to pay fees to the bank. I am sad that I have even added them as my direct deposit for work just because of this. Charging for items not even posted to the account when I can't ' even dispute a transaction that has not yet been posted is a setup. I use the app to manage the account and now the bank is telling me that it is not an accurate source. I agree to have owed 2 fees and some money but not {$600.00}, that is just crazy. They took over {$100.00} in fees the week prior. I will fax over the items I have and a statement may also be attained from my witness if needed. Lastly, items that are not in a preauthorization status are able to be withdrawn and has me in trouble now with XXXX. The bank also allows them to hit the account without permission. The bank picks and chooses when and what it wants to pay and that is not right. However, my concern is the fees that were allowed to be taken from me when I am trying to build a good banking relationship in good faith.
Company Response: Closed with explanation

Timely Response

2019-06-12

MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/XXXX I deposited a Social Security check in the amount of {$2900.00}. This is a government check and according to Reg CC Funds availability, ALL of these funds should be made available same day. On XX/XX/XXXX, I notice that TD Bank is holding {$2700.00} making only {$200.00} available. I called and their answer was because I made the deposit in person and not electronically, they could hold all but the {$200.00}. That's not what the Reg states.
Company Response: Closed with explanation

Timely Response

2019-06-12

Gloucester City, NJ

Fees or interest

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

Problem with fees
Complaint: On XX/XX/19, I called TD customer service to first check on status of never received replacement card requested via mail months ago and also requested annual fee reversal due to non receipt of new card. The initial rep had given me incorrect info and what I feel was a lie when saying she did not have access to My acct. she also told me I could go to any td bank branch which could offer instant replacement which was not correct after speaking to supervisor. Supervisor lead me to Believe that she would advocate for fee reversal to earlier unpleasant experience with earlier rep
Company Response: Closed with monetary relief

Timely Response

2019-06-12

FL

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: THE FOLLOWING ISSUES ADDRESSES OF THE REPORTING THE MAXIMUM DELINQUENCY DAYS AND IS A DIFFERENT ISSUE AS THIS IS NOT A DUPLICATE COMPLAINT. TWO ISSUES LISTED BELOW FIRST ISSUE XXXX XXXX, has ignored my requests to correct and investigate, as in reporting to my credit file where the Maximum Delinquency of 30 days in XX/XX/2016 for creditor TD Bank USA/Target Credit # XXXX. SUPPORTING ATTACHED DOCUMENTS Item 1 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status OK. Item 2 ) TD Bank USA/Target Credit # XXXX Maximum Delinquency of 30 days in XX/XX/2016. Account status. Item 3 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status. C/O Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. WHEREAS, Items 1, 2 and 3 are in violation of the Federal Bankruptcy Code as the Account status for XX/XX/2016 can not be reported. Account status for XX/XX/2016 can not be reported as Delinquency of 30 days. Account status for XX/XX/2016 can not be reported as C/O as the account was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016. The aforesaid periods were in Bankruptcy Protection where XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. POST Dismissal of XX/XX/2016, TD Bank USA/Target Credit # XXXX under the Federal Bankruptcy Code as the account was in the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by TD Bank USA/Target Credit # XXXX. SECOND ISSUE XXXX XXXX, has ignored my requests to correct and investigate, as in reporting to my credit file where the Maximum Delinquency of 60 days in XX/XX/2016 for creditor TD Bank USA/Target Credit # XXXX. SUPPORTING ATTACHED DOCUMENTS Item 1 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status OK. Item 2 ) TD Bank USA/Target Credit # XXXX Maximum Delinquency of 30 days in XX/XX/2016. Account status. Item 3 ) TD Bank USA/Target Credit # XXXX Maximum Delinquency of 60 days in XX/XX/2016. Account status. Item 4 ) TD Bank USA/Target Credit # XXXX reported on XX/XX/2016 Account status. C/O Under Federal Bankruptcy Code requires all creditors to freeze as in hold, all actions until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. WHEREAS, Items 1, 2 and 3 are in violation of the Federal Bankruptcy Code as the Account status for XX/XX/2016 can not be reported. Account status for XX/XX/2016 can not be reported as Delinquency of 30 days. Account status for XX/XX/2016 can not be reported as Delinquency of 60 days. Account status for XX/XX/2016 can not be reported as C/O as the account was in Bankruptcy Protection and can not be charged off until the Federal Bankruptcy Court adjudicates the Bankruptcy Chapter XXXX. Which was done on XX/XX/2016. The aforesaid periods were in Bankruptcy Protection where XXXX XXXX XXXX filed Bankruptcy Chapter XXXX on XX/XX/2016 and the Bankruptcy Chapter XXXX was Dismissed on XX/XX/2016. POST Dismissal of XX/XX/2016, TD Bank USA/Target Credit # XXXX under the Federal Bankruptcy Code as the account was in the same active status before the filing on XX/XX/2016 where the debtor can resume paying on the account. This was denied by TD Bank USA/Target Credit # XXXX.
Company Response: Closed with explanation

Timely Response

2019-06-11

Coral Springs, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-06-11

Hialeah, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-11

Randolph, MN

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

2019-06-11

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with non-monetary relief

Timely Response

2019-06-11

Royal Palm Beach, FL

Other transaction problem

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

Company Response: Closed with explanation

Timely Response