TD BANK US HOLDING COMPANY

2019-04-30

Hack, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-30

Kennett Sq, PA

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2019-04-30

Phila, PA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-04-30

Fort Stockton, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with non-monetary relief

Timely Response

2019-04-30

Bremen, GA

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
Complaint: I have had an untroubled account with XXXX XXXX XXXX, acct id XXXX, for many, many years. Last year I lost my card, reported it, and they sent a replacement card with a new number. After having not used my card for a long time, months, I tried to make a small online purchase and it was declined. When I called to find out about the problem, I was told XXXX made an automatic purchase to my account for {$40.00}, and I was never notified. The payment due was late at that time with an additional {$27.00} late fee attached. I asked on the phone why was I not notified by mail or email. They had no answer. I filed a dispute. They required me to wait for their postal mail document. On XX/XX/XXXX, I received their mail-out and the due date was XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX stating that they tried to reach me by phone on XX/XX/XXXX, and since I did not answer the disputed amount {$39.00} will remain on my account. I did mail a completed and accurate dispute form as they required on XX/XX/XXXX. Apparently, it was too late for their unreasonable expectations. I did not authorize this purchase for virus protection for an old computer I rarely use. How is it possible that XXXX can put something on my card unbeknownst to me and I can't make one charge on my own card? I also had trouble getting onto their website to access my account. I CAN'T ACCESS IT BUT APPARENTLY ANYONE ELSE CAN. Also important to note is that I did not receive any postal mail or email about this illegit purchase UNTIL I told them about that over the phone. Suddenly I can receive all kinds of mail and email from them. My email has been the same for years. My phone number and mailing address has been the same since XXXX. On XX/XX/XXXX I called XXXX again and told them to close this account immediately. I assume they did. XXXX sent me an email on XX/XX/XXXX telling me my payment is due XX/XX/XXXX. They have sent me no acknowledgement that they received my dispute. How can it be that someone, anyone can access my account and I can't? How can the CFPB allow credit card establishments to behave so unreasonably.
Company Response: Closed with explanation

Timely Response

2019-04-30

Oxford, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: This account was disputed with the company the company deleted the account in which I have the deletion that was sent to me on XX/XX/19 the report number is XXXX
Company Response: Closed with explanation

Timely Response

2019-04-30

Omaha, NE

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: In XX/XX/2018 TD Bank issued a fraudulent credit card in my name, to an unknown third party in association with XXXX XXXX, account number XXXX XXXX XXXX XXXX. The unknown person then used that card to purchase three cell phones for {$2500.00}. TD bank closed the account and removed the charges. When I filed their requested affidavit, I requested : " In accordance with the Fair Credit Reporting Act, please supply me with all the information that the fraudulent person used to apply for this credit account in my name and any other business records relating to transactions and accounts that resulted from the theft of my identity so that I take whatever additional steps are necessary to prevent additional fraudulent activity in my name. The following sources and quoted material makes clear my right to this information. https : //www.consumerfinance.gov/learnmore/ Summary of your rights when you believe you are the victim of identity theft links to https : XXXX XXXX. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It may also specify an address for you to send your request. Under certain circumstances a business can refuse to provide you with these documents. See www.consumerfinance.gov/learnmore. " TD Bank does not comply with their promised 1-day inquiry and 30-day fraud response times and should be held to account for that false advertising. TD Bank failed to use due diligence in the issuance of a credit card to an unknown third person, and is thus complicit in the theft of my identity. With the failure of TD Bank to respond to my inquiries, one is left to wonder if they are hiding activities such as XXXX XXXX was a few years ago. This is just a short summary. Full details are in the attached documents, which includes a 6-page cover letter with proper formatting.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-29

Brooklyn, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-04-29

San Diego, CA

Trouble using your card

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

Can't use card to make purchases
Company Response: Closed with non-monetary relief

Timely Response

2019-04-29

Hunter, UT

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-04-29

Delray Beach, FL

Fees or interest

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

Unexpected increase in interest rate
Company Response: Closed with explanation

Timely Response

2019-04-29

Jupiter, FL

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2019-04-29

Nappanee, IN

Improper use of your report

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

Reporting company used your report improperly
Complaint: My identity was compromised while I was oversees XXXX in the U.S. Military between XX/XX/XXXX - XX/XX/XXXX. During this time several unauthorized inquiries were made on my account. I have included the dates & names of creditors below. I have never authorized any of these creditors to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. XXXX XXXX XXXX 1. XX/XX/XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 5. XX/XX/XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-04-29

Glendale, CO

Problem when making payments

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

Complaint: I was informed that i had not made my XXXX Payment. I have made the payment, the Money has been taken out of my account and i have email confirmation stating i had made the payment. I Know my balance was then XXXX. I call in today and they tell me my loan is XXXX After i give them the information saying that i paid they hang up the phone or transfer me to the main menu. I Only owe XXXX. And i have proof that TD Bank has taken my money but they keep saying they do not have the {$200.00} Payment made on the XXXX of XXXX.
Company Response: Closed with explanation

Timely Response

2019-04-28

Manhattan, NY

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2019-04-27

Chula Vista, CA

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
Complaint: On XX/XX/2018, I purchased a dress online from XXXX for {$120.00} The merchant was discriminating against me in returning the item, theyve wanted to offer me a discount instead of me returning the dress, theyre trying to borrow time, I replied to the merchant that the dress doesnt fit me because it has built in bra these is not noted on the website during purchase. I returned the dress as the address provided by the merchant. XXXX failed to protect my rights as a credit card holder under the applicable law. Please see copy of postal receipt included with this letter.
Company Response: Closed with monetary relief

Timely Response

2019-04-27

Discovery Bay, CA

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: XXXX XXXX XXXX reported a late payment on my credit, this is unacceptable. I didnt even receive any bill nor they didnt even try to call me regarding this matter.
Company Response: Closed with explanation

Timely Response

2019-04-26

Black Horse, PA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-04-26

Tucson, AZ

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Complaint: On XX/XX/XXXX I sent USPS certified mail to TD Auto Financial, XXXX, XXXX and XXXX containing a letter of dispute, a copy of my XXXX and XX/XX/XXXX XXXX XXXX statements and a copy of my XX/XX/XXXX XXXX XXXX XXXX telephone bill. Only XXXX responded to my letter of dispute.suppling further evidence of error by TD Auto Financial. XXXX, XXXX and TD Auto Financial never responded to the dispute sent them. On XX/XX/XXXX I called TD Auto financial authorizing and/or scheduling a {$350.00} payment to be taken on XX/XX/XXXX with my debit card. ( See XXXX XXXX XXXX phone bill ) TD Auto Financial and/or the subcontractor they use to process phone payments with debit cards claimed that they tried to process the payment but could not because of NSF in the account. I provided copies of my XX/XX/XXXX bank statement showing that I had over {$5000.00} in my account on XX/XX/XXXX and No NSF 's in the history of my bank account. Subsequently, claimed I was 30 days late due to their failure to process my payment properly. I tried to set up automatic payments with TD Auto Financial only to recieve 4 late charges because they did not process the payments properly. Whereby, I set up automatic payments through XXXX XXXX and not had a single problem with late payments. I ask for an investigation into TD Auto Financial practices of failing to process payments timely resulting in late charges to customers unjustly. I believe that TD Auto Financial is purposely and intentionally fail to process customers payments properly and/or timely, so to generate extra revenue for their company, by charging customers the extra late fees unethically. Thus, I request an investigation into this matter. I have a copy of my telephone bill as proof that I called on XX/XX/XXXX to schedule payment.. I have my XX/XX/XXXX Bank Statement showing that I had over {$5000.00} in the account at the time they claim NSF in the account. I sent a dispute request and copies of my evidence certified mail to TD Auto Financial and the national Credit Reporting agencies which were signed for by the foregoing companies on XXXX, XXXX XXXX. The companies did not respond to the dispute letter and evidence sent to them. Lastly, they continue to report that I was over thirty days late on a payment, in which the evidence shows they failed to process the scheduled payment timely, If you investigate my account with TD Auto Financial it will be easy to see the discrepencies in billing..
Company Response: Closed with explanation

Timely Response

2019-04-26

CT

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: Last month my heart sank when I looked at my credit report and found out that my score had plummeted from between 825 to 840 to just above 600. After some investigating, I found out that TD Bank had reported me delinquent on something. I say " something '' because to date neither myself or TD Bank can tell me why this report was made, how to correct it or what department to contact. One agent even told me TD Bank owes me money!. I have spent hours on the phone trying to contact credit reporting agencies and TD Bank but the pain persists. Strangely enough, the negative mark went from a loss (? ) to being late and my credit went up but again but only to XXXX as there is still a negative mark where again, NO ONE CAN TELL ME WHAT ACCOUNT, WHY, WHEN or HOW TO CORRECT IT. I have written every one I can think of and can not get this corrected. I looked online and saw at least hundreds of others experiencing the same circular XXXX involving TD Bank even see a report of them settling a class action suit in 2016 involving ruining innocent consumers credit and am wondering how they can be allowed to reap so much ruin on consumers with impunity? Any help will be greatly appreciated!
Company Response: Closed with non-monetary relief

Timely Response

2019-04-26

East Windsor, NJ

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: XX/XX/2019 TD bank called my estranged sister in XXXX Fl. I live in NJ that person disclosed all information, amt that I owe and. date that I stopped making pymnts. My privacy has been violated. Im completely humiliated and ashamed I have several medical conditions and this just caused stress that is adding my condition
Company Response: Closed with explanation

Timely Response

2019-04-26

Lafayette Hl, PA

Other features, terms, or problems

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

Privacy issues
Complaint: I continue to receive mail, addressed to the former resident of my house, from TD Bank ( credit card services ) even though I have been living here for over 5 years. Their customer service claims they are unable to fix the issue. I do not know if it is just junk mail or legitimate communications they are trying to reach their customer. They directed me to their marketing opt-out hotline, but I refuse to give them my social security number just so they can fix their own customer database.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-26

Point Arena Air Force Statio, CA

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Confusing or misleading advertising about the credit card
Complaint: I was feeling rushed checking out a Target, and the nice teenager checking me out asked if I had a Target card and briefly explained that I could save whatever percent if I signed up for one ; I was buying something expensive, so I tentatively said yes and started signing up. I should have known to stop the process when the employee told me that this would be a huge relief to her, as there was a huge amount of pressure being put on them to push the cards from management. The predatory marketing issue here is that this absolutely seems like you're signing up for a loyalty/savings store card ( as is common at store check-outs ) when it is in fact a credit card. Target employees had either poorly trained on explaining how the card works or instructed to be intentionally misleading. I finally stopped when the prompt screens began asking income information and for my social security number, but then my checkout person repeatedly assured me that this would not affect my credit and I would not receive a bill if I just didn't activate the card -- so I went ahead, just trying to get out of line and get a discount, thinking I had paid with my normal credit card I'd swiped. I genuinely believe that she just didn't understand how it worked, and we were both in a hurry ; credit cards are serious legal agreements with financial consequences that can follow people and their families forever -- they should not be sold at check-out like pack of gum. A separate counter, at least, where there's someone trained to explain the contract you're entering into would make more sense. Anyway, I read the receipt when I got home and called and successfully cancelled the card within 20 minutes of signing up, but I still got a card in the mail, and I am still getting statements, and have been told by Target card representatives that there is " no way '' for them to delete my information from their databases. I have also been alerted by the credit unions that my credit score has gone down as a result of this incident.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-26

Maplecrest, NJ

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: Had issue working with XXXX after making a payment for XXXX and XXXX. Was instructed that payment wasn't posted for XXXX but for XXXX after making payment for XXXX in end of XXXX. Company failed to help or take that into consideration and have charged account to be late. Company still reported past due even though a payment was made for XXXX, XXXX, and XXXX, and XXXX. No letter was sent to me to share this information as well.
Company Response: Closed with explanation

Timely Response

2019-04-26

Wallington, NJ

Fees or interest

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

Problem with fees
Complaint: TD permitted use of the card over the allowed credit limit and then charged me a fee and interest!
Company Response: Closed with explanation

Timely Response