TD BANK US HOLDING COMPANY

2019-05-10

Bellaire, 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: I checked my report recently and noticed that you did not remove it. Why is that? Td Auto Fina Inquiry from XX/XX/2018 It appears to me that you don't care about my rights and my creditworthiness.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-09

Black Horse, PA

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

2019-05-09

Garrett Park, MD

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Closed with explanation

Timely Response

2019-05-09

Brooklyn, NY

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: On XX/XX/XXXX I went to the Nordstrom Store located XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, to make a purchase. I did not have my credit card, so as usual, I gave the cashier my license and SSN to look up my account in their system to pay for my items. When she got my VISA Nordstrom Credit card number and tried processing the payment, I was told my card was declined. I was in disbelief because I know that I had not used my card since XXXX of XXXX. The cashier got on the phone with a Nordstrom CSR and that is when I was told that my card had 26 fraudulent transactions on my credit card totaling up to about {$9500.00}. Not once did Nordstrom reach out to see if it was actually me, considering that the person went over my credit card limit of {$7300.00}. Had I not gone to the store that day to make a purchase, I would not have known until I received a statement in the mail that these transactions were on my credit card. The CSR rep, while he had me on the phone, reported all of those transactions for me as fraud and then I was informed that an investigator would be contacting me. On XX/XX/XXXX I received the affidavit from Nordstrom, with all of the transactions from XX/XX/XXXX XXXX XXXX, XXXX, filled it out and sent a copy of my drivers license back to Nordstrom . I asked if I need to file a police report and they told me it was not necessary so I did not. On XX/XX/XXXX, dated XX/XX/XXXX received a correspondence from Nordstrom stating that my claim is false and that I would be held liable for those charges, they reapplied all of the conditional credit from XXXX back to the new credit card that was sent to me. I immediately called Nordstrom to speak with the investigator, he was not in, but i asked another rep how was that conclusion made. I was able to get a little bit of information that they used my drivers license picture, from when I was XXXX, I am now XXXX, to match the person on the surveillance camera who they told me was wearing a baseball cap. They also informed me that the transactions were made during the hours of XXXX, and I have full time job that can confirm the days those the transactions were made. If Nordstrom just did a comparison on the surveillance from the date those transactions were made and me actually being in the store on footage on XX/XX/XXXX they would know that it was not me. However, when I actually spoke to the investigator the following day, he was very tight lipped -- did want to disclose anything to me but told me that their panel concluded it was me so therefore I will be liable for those charges. Nordstrom did not even want to hear me out, didnt ask me to send and current picture of myself, didnt ask to see if I can actually verify if I was there ( I am a XXXX employee ), there was one transaction with a XXXX bill that was paid ( I dont have XXXX ). I believe that Nordstrom used the fact that it was a XXXX female on the footage so therefore it was me. Since I now felt like I had to do my own investigation, I filed a police report so that the detectives can investigate because Nordstrom told me they could not send me any of the footage, that it would have to be subpoenaed by the police department. I sent Nordstrom a letter telling them I did not agree with their decision on XX/XX/XXXX and they should re investigate -- they responded XX/XX/XXXX that my claim was false and that I would have to pay for it. I am writing because I feel like I have no other choice but to reach out for some external assistance because I am innocent. I have never put more than 1-2 transactions per year on my Nordstrom Card for the 4 years that I have had it and now I am being held liable for {$9500.00} worth of charges that were made in 4 day by someone who stole my credit card. Nordstrom not ONCE contacted me to see if those transactions were in fact made by me. I have taken pride in maintaining my credit score, since I was XXXX years old and never have I been in a situation like this. I have been physically sick over this because I feel like I was not given a fair investigation.
Company Response: Closed with explanation

Timely Response

2019-05-09

Key Biscayne, 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

Their investigation did not fix an error on your report
Complaint: The company I work for deals with XXXX XXXX and back in XX/XX/2019. As you know, there was a shut down in the government and no one was getting paid. I notified TD Card services ( TD Bank ) of the situation and that I was in the process of buying a home. I also asked them to please work with me so I would not have 30 days late on my credit report. I have been with them for almost 4 years and has never been 30 days late. I explain the situation to them, they still reported to the credit bureau as late. I as them to please can they remove the one and only time I was late they still said no. Since then the account is paid in full and I have asked for it to be removed from all three credit report. They have not complied. please help me, it is hendering me from optaining a mortage.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-08

Anaheim, CA

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2019-05-08

Burbank, 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

2019-05-08

San Jose, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I opened the account on XX/XX/2019 online. I added {$5000.00} via direct deposit to the account which was debited from my account on XX/XX/2019. 3 days later I tried to login into the account and it won't let me in. I called them on XX/XX/XXXX several times and after onerous verifications, they said that my account is restricted and I would have to visit a branch to get it working again. When I called my local branch in XXXX MA, they said that they can't do any sort of identity verification without my physical presence. I am out of state throughout the summer and I can't go to a branch to verify it. I asked both the call center and the local branch representative to close the account and send a check to my address on file. However, they said that they can not proceed without my physical presence in their branch. I understand their need for verification but they should not withhold my cash in case I am unable to go to their branch. I want them to close the account immediately and give me the money that they are holding back with interest.
Company Response: Closed with explanation

Timely Response

2019-05-08

Allenwood, NJ

Incorrect information on your report

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

Information belongs to someone else
Complaint: I received information that fraudulent accounts were opened in my name. I contacted XXXX and XXXX agreed and removed this account. I have four separate bank accounts listed on this report all from TD bank. All TD checking accounts opened XX/XX/XXXX showing {$310.00} charged off, XX/XX/XXXX showing {$420.00} charged off, XX/XX/XXXX showing {$270.00} charged off and XX/XX/XXXX showing {$460.00} charged off. I disputed this with XXXX, sent police report and the copy of FTC complaint but TD refuses to not only remove it but even speak to me about it. When I call I get sent to many different departments all of which transfer me - no one knows who I should speak to. If I go to the branch they say they can not help me and to call. I need these removed, and an explanation as to how four accounts can be opened!!
Company Response: Closed with explanation

Timely Response

2019-05-08

MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I took out a 30-year mortgage with XXXX XXXX in XX/XX/XXXX. I paid all payments in full + {$400.00} toward the principal through XX/XX/XXXX. My mortgage was sold to TD Bank on XX/XX/XXXX, at which point I immediately paid my first payment to TD Bank ( again, full payment + {$400.00} toward principal ). My XXXX loan statement said I did not owe anything for the month of XXXX because the funds I'd been putting in escrow toward taxes would cover XXXX ( I ended up paying my taxes out of pocket, so they were effectively reimbursing me ). Here 's where things have gone awry. Halfway through XXXX, I got a note from TD bank saying i was >15 days overdue on my XXXX payment. Reason being : a previous payment had been reversed. The request to " reverse '' that previous loan payment came from another loan agency that *was not* XXXX XXXX - the organization from whom I originally received the loan. I called TD Bank *immediately* to learn more, and they told me they had to enter a request to their investigations team because they don't know what's going on.To be safe, I immediately made a payment. I also made my XXXX payment on XX/XX/XXXX. I have called TD Bank 3 times, and they have confirmed these payments were received, and I am no longer past due. All the while, I continue to receive weekly letters from TD Bank saying they're threatening to report me to the credit bureau and that this could result in foreclosure. No one at TD Bank will send me a written document to say that I have been incredibly proactive in working to resolve this issue. Additionally, no one from TD Bank has reached out with a status update, though I continue to ask them to do this. I call once per week, and they still have no update ( after 3 weeks! ). I am entering this complaint to document the steps I have taken and the lack of action on TD Bank 's part.
Company Response: Closed with monetary relief

Timely Response

2019-05-07

Clifton Park, NY

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2019-05-07

Bladensburg, MD

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

2019-05-07

Arsenal, 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 non-monetary relief

Timely Response

2019-05-06

Livingston, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-05-06

Halyoke, MA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-05-06

Ancora, NJ

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

2019-05-06

Ranson, WV

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-05-06

Schdy, NY

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2019-05-06

Alexandria, VA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-05-06

PA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Problem with customer service
Complaint: On XX/XX/XXXX I entered into Payment Cure Plan with XXXX XXXX card online. The payments were set for automatic draft for XXXX, XXXX and XX/XX/XXXX. After the 3 payments were made, the account was was to be brought current. After the final payment was made, the account was not brought current. I attempted via online messaging to get the account corrected on XX/XX/XXXX. I was directed to call in. I have called on XX/XX/XXXX, and XXXX. I called again on XX/XX/XXXX. Each time I have been told different reasons my account was not reaged, and that it would be fix within a week. It is still not corrected. My account has now been sent to collections, when it should not even be considered late based on the payment agreement. During my most recent call, I was told that the agreement was made incorrectly and my account was not eligible to be reaged. I made my 3 payments as agreed and not red card is not keeping their end of the agreement and have since sent the account to collections. Even if the account was not eligible to be reaged, I was never informed of this and was going off the accepted agreement I have from them.
Company Response: Closed with monetary relief

Timely Response

2019-05-06

Allenwood, NJ

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: I did not apply for any credit cards with TD Retail Card Service, however there's an inquiry on my XXXX credit report on XX/XX/2019 that I did not authorize. I've tried contacting TD Retail card services and they are refusing to remove the inquiry. I've also contacted XX/XX/XXXX to get help with item and they too have refused to address this issue.
Company Response: Closed with non-monetary relief

Timely Response

2019-05-06

PA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: On XX/XX/XXXX I entered into Payment Cure Plan with XXXX XXXX XXXX online. The payments were set for automatic draft for XXXX, XXXX and XX/XX/XXXX. After the 3 payments were made, the account was to be brought current. After the final payment was made, the account was not brought current. I attempted via online messaging to get the account corrected on XX/XX/XXXX. I was directed to call in. I have called on XX/XX/XXXX, and XXXX. I called again on XX/XX/XXXX. Each time I have been told different reasons my account was not reaged, and that it would be fix within a week. It is still not corrected. My account has now been sent to collections, when it should not even be considered late based on the payment agreement. During my most recent call, I was told that the agreement was made incorrectly and my account was not eligible to be reaged. I made my 3 payments as agreed and not red card is not keeping their end of the agreement and have since sent the account to collections. Even if the account was not eligible to be reaged, I was never informed of this and was going off the accepted agreement I have from them.
Company Response: Closed with monetary relief

Timely Response

2019-05-06

Arlington, VA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: On XX/XX/19, I received a mailing from company advertising {$500.00} new account bonus for meeting certain conditions after opening a new checking and savings account. After having met all the offer terms, new account bonus was not paid despite all terms being met. After inquiry with financial institution, claims were made that a prior account was held and that the {$500.00} promotional offer was only available to new clients. However, the prior account was opened erroneously ( in error ) and TD Bank made it nearly impossible to close that account ( it was only after complaint to XXXX that the account was closed ). Furthermore, I received a direct, targeted mailing ( attached in photos ) constituting my eligibility for this offer. If it was said that I was ineligible, why was this offer sent to me?
Company Response: Closed with explanation

Timely Response

2019-05-04

New York, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-05-04

Kent, WA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response