TD BANK US HOLDING COMPANY

2019-06-06

Belleville, MI

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-06-06

So Effingham, NH

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: The problem is with XXXX XXXX XXXX credit card issued by TD Bank. 1. I never received a first bill, and had difficulty getting to the website. TD has numerous web addresses that come up compounding the problem. I had to call customer service to find out what was going on, to be told that my first payment was late. That was sorted out quickly when it was realized the bill had never been issued, or was sent to an old address. 2. I began my payments on schedule from there, which was supposed to be the XXXX of each month, but turned out to be the XXXX. Several months were paid without incident. Then I was a day late in XXXX. No notices were ever received, either by post or email. 3. On XX/XX/2019, I went online to pay as usual, having been ill for a few days, and the payment box clearly says " minimum due {$75.00} late charge. '' Assuming it was referring to the current payment, which was two days late, I paid the minimum requested. 4. 0n XX/XX/XXXX, when I went to pay, the minimum due had changed from its normal {$48.00} to {$86.00}. I assumed another late fee was being assessed on the due date, which some companies do and then reverse, so I paid the normal {$48.00}. Again, there was no communication whatsoever in any form as to the amount being incorrect. 5. When I went into my XXXX payment, the minimum due went up to {$120.00}. At this point it was clearly in error from my perspective. I paid the {$48.00}, and made a note to call in. Meantime I received the first and only notice in the mail that {$120.00} was past due. 6. Upon calling, it became clear that the TD representative was not about to concede the slightest flaw with the website, in spite of it taking ten minutes, following his instructions, to even find where my payment history was, since most of his instructions failed, or he could not describe the poorly designed page so that a person could navigate. It also became clear that there was no acceptance of responsibility for the website stating a minimum payment due that was actually incorrect, and not providing a correct accounting. It also became clear that TD expects the customer to check their statements first to see if the payment page IS INCORRECT. 7. By this point I had been told that I had only paid the one day late fee of {$75.00} on a minimum due of {$48.00}, a penalty of 162 %!! I was then hopping mad about the scam this guy was protecting, and the shouting match ended. 8. The scam has these components : the apparent late fee for a single day is beyond any reason, where most companies have a grace period anyway. But worse than the outrageous price gouge is the manner of concealing what one ACTUALLY OWES ON THE PAYMENT PAGE. Then with each subsequent NORMAL payment, ONE INCURS FURTHER LATE CHARGES. I can only wonder that the failure to ever send out a first bill is another part of the setup. THE XXXX 'S INITIAL STATEMENT HAD NO CONTACT INFO FOR TD! 9. A class action lawsuit has already been filed on XX/XX/XXXX in one US court for TD Bank 's multiple overdraft fees. This is part of the same corrupt banking practice. 10. I expect full fee reversals from TD and a return to normal billing. I will take legal action otherwise.
Company Response: Closed with monetary relief

Timely Response

2019-06-05

Somersworth, NH

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-06-05

Chelmsford, MA

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-06-05

Salton City, CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem while selling or giving up the vehicle
Company Response: Closed with non-monetary relief

Timely Response

2019-06-05

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-06-05

Bronx, NY

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I received biweekly ( payday ) excessive insufficient fund fees on bills paid by phone to several merchants for the past three years each time I received my payroll check that was linked to my T.D. bank checking account. I opened and closed accounts because it seem that I was being nickeled and dime as if someone was stealing from my account and accumulating a penny fortune as in penny stocks. I can not prove this fact but the time line for clearance thru merchants I paid concurred the corruption time line, for example ; certified mail, priority mail, pay by phone mostly and providing basic identifying information by phone that I provided to pay or purchase a product was misused perhaps.
Company Response: Closed with explanation

Timely Response

2019-06-05

VA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: TD Bank charged me 3 {$35.00} fees for {$0.00} authorizations, which should not have created a charge. They have done this before and I am tired of it. If the authorization is for XXXX, it should not generate a fee. This is not right. They continue to do this month after month. I want this stopped.
Company Response: Closed with monetary relief

Timely Response

2019-06-05

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: Td on line banking is NOT complying with real time banking They're continuely showing my credits/debits later then the dates they actually happen. I have screen shots that do NOT match account information. I have atm receipts that do not match same time/ day as screen shot of on line banking. I have XXXX XXXX statements that show the tolls were pd days before they show up ( I am enrolled in instant payment ) I have receipts from gas stations that show up on line days later ( they're not letting you go on the turnpike if you haven't pd lol ). I have monies sent out through the bank, with XXXX, on the XXXX shows up on line the XXXX ( instant electronic transfer. Received ) My wife gets pd every 2 weeks ( XXXX & XXXX ) from XXXX XXXX. Direct deposit XXXX makes sure that the check is in the bank on the XXXX. We have received an overdraft fee because something was purchased at XXXX XXXX on the XXXX. ( Fee was listed as debit card authorization. Not the 1st time ) when I questioned it I was told that it didn't post untill XXXX ( according to XXXX direct deposit the check is available at XXXX XXXX ) They hold sales ( vendor pd, taken from account ) and dump everything at once. This usually happens on weekends and holidays While the account in formation is accurate the on line banking isn't causing me a large amount in overdraft fees ( and I am not alone ) I have tried to resolve this with the bank many times and am stonewalled or put on hold. I have tried other govt and outside agencies and everyone seems to be afraid of a bank. Hopefully you can help. I'm not alone in this and it involves millions of shuffled dollars I believe that it is not legal for banking on line platform to not accurately show all banking immediately. It's called real time banking I'm sure it will be explained as a temporary problem ( I have a mass email from c.e.o. saying sorry temporary glitch in on line 6 months ago lol ) This shouldn't be allowed to go on but it's a bank so it will
Company Response: Closed with monetary relief

Timely Response

2019-06-04

Washington, DC

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2019-06-04

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with non-monetary relief

Timely Response

2019-06-04

New Bern, NC

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2019-06-04

Simsbury, CT

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-04

Phila, PA

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-06-04

Clermont, FL

Closing an account

Checking or savings account: Other banking product or service

Company closed your account
Complaint: I had opened a security deposit box in XXXX, with TD bank, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Ph No XXXX. I primarily used this security box to store inherited jewelry, gold coins etc. On XXXX XX/XX/XXXX afternoon, I went to this branch to close the security box as I was able to secure the security box in XXXX XXXX on XXXX XXXX closer to my residence. I brought in both keys to the security box. The bank official informed me that the security box has been already closed off and there was nothing in that security box. This was a shock to me as I had both the keys with me and both keys are still in my possession. I never went to bank to close the security deposit box. I left for XXXX as per my plans. I communicated with the manager XXXX XXXX via emails and demanded what had happened? I am enclosing the copies of email communication with this complaint. I found out that : 1. Somebody tried to get in to the security box on XX/XX/XXXX. The information on the entry card was scratched off. 2. The security deposit box was empty, the inner box wasn't there. 3. I was informed that with the consent of the bank manager, this security box was closed. which is the most absurd and bizarre. No one can close my security box without my permission. 4. I found out that the person who closed off the security box was no more working there and they can't find him I tried my level best to get some answers from the bank official. My attorney wrote the bank official letters to get resolution. I couldn't get any help, so I filed criminal report against the bank with police. I am attaching all the documents in this complaint. If you need any other information, I would be happy to provide.
Company Response: Closed with explanation

Timely Response

2019-06-03

Bellmawr, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-06-03

MA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I had a checking account with TD Bank and a card that was used without my permission by unauthorized use. I reported this to TD Bank and told them that I wanted to close my account as well as taken care of the unauthorized use of my bank card that was attached to the checking account. I recently found out years later that TD Bank did not take care of the unauthorized use of my credit card and they ( TD Bank ) threatened to have me reported to the credit reporting agencies if I didn't pay them ( TD Bank ) not only money for the unauthorized use of my card or stealing done against me but they wanted me to pay hundreds in back interest at 18 %. I recently contacted TD Bank when I found out that XXXX XXXX reported me to XXXX XXXX. I would like to note that TD Bank is a very dishonest bank with their overdraft service. What they do is give customers false balances or balances that do not include anything pending or their ( TD Banks ) other fees. As a result TD Bank makes an effort to make customers go into massive overdraft fees. This is not just done with this misleading information and bad faith practices regarding balances and giving deceitful information. The additional practice done by TD Bank is as follows. TD Bank will allows charge the small transaction as an example below. If someone bought 10 small transactions such as coffees, gas and small purchases totaling say XXXX if there is a XXXX large pending transaction and a {$150.00} balance in the account the bank will not let the small transactions go through and bounce the {$150.00} transaction but rather the bank will make an effort to put the {$150.00} transaction through this in balance and then the ten transactions for {$30.00} will make for a {$330.00} fee for overdraft. TD Bank has the process mastered which starts with giving false balance information to customers via both call in and ATM balances. I want to be removed from XXXX XXXX and TD Bank to fix my negative account balance right away as my card was fraudulently used without my permission and TD Bank said that they would fix the problem years ago.
Company Response: Closed with explanation

Timely Response

2019-06-03

Odenton, MD

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2019-06-03

Adams, MA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with non-monetary relief

Timely Response

2019-06-03

NJ

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: Td bank claims I own them money for a checking account that was opened under my name I never have lived in XXXX XXXX XXXX XXXX XXXX nj XXXX I live in XXXX XXXX XXXX XXXX New Jersey XXXX td bank dont have my drivers license or information that was used they must get rid of this account as it is in collections and affecting my ability to open up a bank account
Company Response: Closed with explanation

Timely Response

2019-06-03

Poughkeepsie, NY

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/2019 my husband XXXX XXXX went to TD bank to pay a negative balance on our account. XXXX XXXX asked one of the tellers if he can use my debit card to put money on his account to pay off his negative balance. I was outside in the front of the bank on the phone. I happen to walk in and the teller said his name isnt XXXX XXXX. I told her Im XXXX XXXX and she asked for id which we gave her. She looked at the ID And looked at the debit card and looked at me and asked us what is it that we wanted to do. XXXX XXXX explained to her again. That he wanted to use my card to pay the negative balance on his account. Durning the entire conversation she wouldnt look at my husband who was speaking to her. She was just giving me eye contact. She said she process the payment and it was decline. She was extremely rude still no eye contact with XXXX. She came back with no receipt of proof that is was decline. she was talking to my husband without eye contact again. I didnt believe she even really swiped the card. After she said it was decline my husband asked her to put in a lower amount to see if it would go through.She automatically said no she cant do that and pushed our IDs and debit cards back to us. After my husband went to their atm right outside the door. XXXX put my debit card in to see if he can withdraw money. XXXX XXXX was able to withdraw the money from my debit card that she said declined, and was able to deposit the money into the TD bank account. I feel she was discriminating against us because we are XXXX customers. She was rude the entire time, And we check my bank statement to see if she attempted to take out the amount that was asked, to see if it declined. No transactions were shown other then the one my husband took out himself. So it kind of looks like she lied about even trying to take the money out. Im disappointed in being treated in such a manner with my husband. I will like to go further with actions being taken against the bank teller. We dont know the bank teller name but we do know how she looks like. I wonder how many others she discriminated against the same way as ours.
Company Response: Closed with explanation

Timely Response

2019-06-03

MA

Incorrect information on your report

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

Account information incorrect
Complaint: XX/XX/2019 : I was informed by my credit monitoring company that TD Bank had filed negative reports with all three credit reporting bureaus : XXXX, XXXX and XXXX. In its reports TD claimed a 30-day delinquent amount of {$220.00}. Upon further investigation it became evident that TD had also filed a {$25.00} delinquent report earlier with same three credit reporting bureaus. The reports filed by TD Bank with said credit reporting bureaus include information that, to the best of my knowledge, is inaccurate, and/or misleading. As such these reports have unfairly decreased my credit score and have made me suffer significant financial harm, as the result. I subsequently asked TD Bank to either provide valid justification for its claims, or otherwise correct the negative reports it provided to the three credit bureaus. TD Bank has not yet provided any supporting evidence to justify its claims and has not yet corrected the incorrect and misleading information it has reported to the three credit bureaus. Background : XX/XX/2019 : Nearly 13 days BEFORE my regular credit card payment due date of XXXX I called TD Bank to pay off the {$220.00} balance on my account. I specifically called TD Bank BEFORE the due date, in order to prevent the bank from adding its unreasonably high interest to the small amount of {$220.00} remaining balance on my credit card. This {$220.00} would have been the LAST of over {$10000.00} payments I had made on this card to TD Bank. During said XX/XX/2019 phone call, a TD Bank representative by the name XXXX, took down my checking bank account information toward full payment of the {$220.00}. XX/XX/2019 : Subsequent to learning - through my credit report monitoring company - about the negative credit reports filed by TD Bank, I called the bank directly to inquire about these reports. My call was forwarded to XXXX ( ID # XXXX ) who acknowledged that I made a payment on XX/XX/2019 for {$220.00}. However, she said there was a reversal, in that the bank was unable to locate the account, according to my notes of the phone conversation. I was asked to repeat my checking account number. After doing so, it appeared that the representative had missed typing one of the 3 repeating digits on my checking account and had instead put only 2 repeating digits. I told the representative that this must have been an error by the representative who took down my checking account number on XX/XX/2019. I was told that this matter will be addressed to a supervisor in collection and/or customer service by the name XXXX ( ID # XXXX ) who will pull the recording of the phone call I made on XX/XX/2019 to determine if the error was made by the bank or if I had provided the bank an inaccurate checking account number. I told the representative that I had no reason to provide a wrong checking account number when the main purpose of my XX/XX/2019 call to TD Bank was to pay off the small remaining balance on the credit card and hence prevent TD Bank from adding its high interest to the unpaid amount. I also inquired why the bank did not contact me directly to let me know that the payment did not go through, and instead made a false and misleading report to the credit card companies, knowing full well that I had made an honest attempt to pay the full balance on the account about two weeks before the due date. XX/XX/2019 : Long AFTER the bank had already filed its inaccurate and misleading reports with the three credit reporting companies, I received a letter in the mail from TD Bank dated XX/XX/2019, which informed me about the late payment. XX/XX/2019 : I called TD Bank and spoke with XXXX ( ID # XXXX ). I disputed the {$3.00} interest that TD added to my account due to its error in processing my XX/XX/2019 payment, and asked her to process a payment for the {$220.00} - in full payment of the account- using the same checking account and routing number I used on XX/XX/2019. My bank confirmed that this payment was cleared on or around XX/XX/2019. XX/XX/2019 : TD Bank left a voice mail on my phone. The message as transcribed by my phone service provider showed : This is from TD Card Services. We are calling you back per your request and we had listen to the call of the payment that was reversed and the agent repeated back the exact information you provided. So unfortunately we're not able to update your credit reporting since no bank errors were found but if you have any other questions give us a call at XXXX. Have a great day. '' XX/XX/2019 : I called TD Bank and requested a copy of the recording of my XX/XX/2019 phone call to TD Bank, because I dont believe that I provided the wrong bank account information to the bank. The bank representative mentioned that she submitted the request and I should hear back from the bank within 24 hours. She also confirmed that the {$3.00} interest on my account was waived, and the balance on my account with TD was {$0.00}. As of today, TD Bank has failed to correct the error that led to its unfair and unjustified reporting of balance due on my account, when I had already made an honest attempt to pay off the balance on my credit card to avoid the high interests TD Bank assesses on its credit card loans. TD Bank has also failed to provide any evidence supporting its claim that I had provided wrong checking account information to the bank. As of today, my credit report still shows a {$220.00} unpaid balance on this TD Credit card, even though the bank has confirmed that there is no ( {$0.00} ) balance due. In my credit report there is also another {$25.00} fee to this credit card which I have no idea why and when this was filed. I have disputed these unjustified reports with all three credit reporting bureaus. However, as of today, the problem has not yet been resolved.
Company Response: Closed with explanation

Timely Response

2019-06-02

Montgomery, MA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-06-01

NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/19 TD Bank in XXXX XXXX NY took money from my social security ( SSI ) XXXX XXXX XXXX They took money to pay for overdraft fees I needed that s SSI check to pay rent for my son and I We now don't have enough money for rent I asked TD Bank to let me pay off the overdrafts in payments They said no Are they allowed to take a goverment issued check? Thank You
Company Response: Closed with monetary relief

Timely Response

2019-06-01

Braddock Hills, PA

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 explanation

Timely Response