TD BANK US HOLDING COMPANY

2019-04-05

Clinton, MD

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

2019-04-05

Philadelphia, PA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I deposited {$570.00} in an ATM inside a branch of TD Bank. The machine gave an error and returned the card. The money is not available on my account and has not been returned to me either. I am being told it might take a long time to resolve the situation ( if resolved at all ), which places a huge burden on me as I have liabilities that I need to pay off now. It took place in XXXX XXXX XXXX, XXXX XXXX.
Company Response: Closed with monetary relief

Timely Response

2019-04-05

Shulerville, SC

Other features, terms, or problems

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

Privacy issues
Complaint: My brother XXXX called in to XXXX to discuss my account, he spoke with a XXXX whom did not properly authorize the account, provided my brother with my account balance, next payment due date and the apr of my credit card account.
Company Response: Closed with non-monetary relief

Timely Response

2019-04-05

Sun City, AZ

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: They refuse to credit my account for a fraudulent transaction. They can not send me information on what the purchase was for. RE : XXXX # XXXX & XXXX Dear XXXX, Why did your short my auto-payment by {$110.00} ( the amount of my dispute ). That caused me to incur a finance charge. The {$110.00} charge is fraud from a scam artist company ( see below ). Please credit my account the finance charge and the {$110.00} charged due to fraud. Thank you, XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX is a fake online store! XXXX : {$110.00} Dispute Apparently, they came up with some phony mail receipts. Please resend them to me as I am going to report them for mail fraud. Their emails bounce. Thank you, XXXX This is an automatically generated Delivery Status Notification. Delivery to the following recipients was aborted after XXXX hour ( s ) : XXXX XXXX XXXX : There was an error while attempting to deliver your message with [ Subject : " Hi, You charged by XXXX credit card {$110.00} on XXXX. What was it for? I have no record of receiving anything. Please advise XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : GB - XXXX XXXX XXXX Account Number : XXXX Currency : US XXXX ( USD ) Merchant : XXXX XXXXS Merchant Information : XXXX XXXX XXXX XXXX Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX Transaction Type : Purchase Reference Number : XXXX
Company Response: Closed with explanation

Timely Response

2019-04-05

Ft Lauderdale, FL

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: I applied for a TD Bank credit card a while back but I never got anything in the mail so I figured that I got denied. But today I signed up for this website called XXXX XXXX and it says that I owe over {$8000.00} on a credit card that they never sent me. How can I owe them for a card I never even received? I called them and reported the issue today at XXXX XXXX but they said I have to come into a branch or they wont do anything to help me even though I told them whats going on. I work two jobs and I dont have time to come into a branch. This is discrimination against people who dont have the ability to take off from work, they are refusing to help me because I dont have free time to stop by a branch.
Company Response: Closed with explanation

Timely Response

2019-04-04

Spencer, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: To whom it may concern : The reason for my complaint against TD Bank is because I feel like I have been treated unfairly and have been giving the run around for months with no result in the end. I started to get the onset of sickness in the summer of XXXX and due to this had fallen behind on my mortgage payment. In XX/XX/XXXX I went out on short term XXXX until XX/XX/XXXX. Because I had fallen behind on my payments TD Bank sent me paperwork in XX/XX/XXXX to apply for a modification when I assumed the illness was getting better. I sent in the completed form to them and received a response in XX/XX/XXXX that the modification was accepted and the new payment. I called immediately to inform of my unforeseen and unavoidable circumstances and to see if they could assist me. The girl in customer service said to sign the papers and don't worry about it. So I did if not they would foreclose on my home. I also put this in writing. I made several calls after this fact to TD Bank to try and work with the bank to resolve the delinquency on my part but the persons name on the letters I received do not pick up phone and speak with consumers. So I had to speak with customer service who would communicate with the loss mitigation/escrow department then relay the information to me. I was also transferred numerous times, disconnected, transferred to a tile company in Maine on more than 1 occasion. When I did get a rep on the phone the answer was always let me transfer you to that department, I don't know, I can't tell you, I don't have access to that screen and I'll have a rep call you back which has not happened to date. I also received several letters that had different amounts for my mortgage and when I called to inquire which amount was correct I was given a completely new figure. I do not know what to do and I do not want to lose my home, can someone please help me communicate more effectively with this bank? Also please do not let them accelerate the foreclosure process due to this complaint!
Company Response: Closed with explanation

Timely Response

2019-04-04

Sebring, FL

Incorrect information on your report

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

Account information incorrect
Complaint: I opened a TD Bank Credit Card account in2018 to build my credit, and attempted to pay balances off as they accrued. I made a payment of {$130.00} on XX/XX/2018, using my TD Bank account. The payment was posted. Just ten days later, I paid the new balance of {$230.00} in full, and the payment was posted. Twelve days later I made another payment of {$100.00}, which again was accepted. Unknown to me the first two payments were reversed at some point in time after they had been accepted! First, I have no idea why they were reversed because there were adequate funds in the account to cover the payments, and second, I can not understand why I was never notified that they had been reversed. Third, I do not understand what being reversed even means - I have never heard of it. The payments were made on the bank that issued the card, and they were accepted, meaning the money was there. Then they were reversed? Why? Why was I not notified? Had I known the payments had been reversed, I would have corrected whatever the reason was immediately and made the payments on time. I didn't realize the payments had not been made until my account was overdue, and TD took action against me. They lowered my limit, and reported that I had two overdue payments due to insufficient funds! THAT IS NOT TRUE! There were funds in the account, and I was never charged an NSF fee. I have repeatedly asked TD for an explanation, but after two letters and an E-Mail contact, I have not received one! They seem to be ignoring me. My position is that TD Bank made a mistake, and that I did made the payments in a timely manner, now the bank is punishing me for their mistake! As I said at the beginning of this letter, I opened the account to build my credit, and made every effort to keep my payments current, so this really hurts me. Their refusal to provide any explanation or to make it right is unacceptable!
Company Response: Closed with non-monetary relief

Timely Response

2019-04-04

Canton, MI

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-04-03

Santa Ysabel, CA

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: Friday, XX/XX/XXXX Attention XXXX XXXX XXXX, It is unfortunate XXXX continues to send me statements for an account I never applied for or purchased items with. The short is on XX/XX/XXXX a XXXX employee informed me that XXXX XXXX XXXX could be used as a rewards card for savings, not a credit account. When she clarified it to be a credit account, I told her to cancel it. She agreed to do so. I paid for items at XXXX that day in the approximate amount of {$150.00} with my XXXX XXXX XXXX card. For reasons unknown the XXXX cashier also charged the purchase to the XXXX XXXX. Thus, I was charged twice for the purchase. Upon a call I placed, XXXX recognized the mistakes and I conferenced in XXXX XXXX XXXX to both verbally verify the purchase was paid with my XXXX card, and to fax XXXX proof of the XXXX payment. After several calls between XXXX and myself, XXXX agreed they billed me in error and informed me they had cancelled the account. Several months afterwards XXXX took this to a collections process. My credit score went from approximately XXXX to XXXX as a result. I have since had several calls with XXXX and they continue telling me they made an error and will resolve it in addition to fixing my credit score. As you can see in the included letter from XXXX on XX/XX/XXXX, the matter is not resolved. XXXX continues to bill me and damage my credit score. I have included information from XXXX XXXX XXXX to again show the purchase was paid on my XXXX account, not via a XXXX credit card. I need XXXX to immediately resolve this matter and correct my credit score with each affected agency. If XXXX can not or will not resolve this matter immediately, I will contact both a family business attorney and the Consumer Financial Protection Bureau. XXXX, XXXX XXXX XXXX XXXX / XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2019-04-03

Baton Rouge, LA

Improper use of your report

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

Reporting company used your report improperly
Complaint: In XX/XX/2018, TD Auto Finance ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Company Response: Closed with explanation

Timely Response

2019-04-03

NY

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: 1 ) I called XXXX and told customer service to help me purchase 3 XXXX XXXX tickets. Instead, the agent misunderstood and sent me to a link and directed me to purchase 3 XXXX XXXX California tickets. Upon arriving at the gate of XXXX XXXX, the ticketing staff noticed the mistake and told me to call XXXX to correct the error. XXXX refused to take responsibility by saying they cant verify their agent made the mistake, a complete lie that they know they will be able to get away with because they can technically just WITHHOLD any recordings. I was forced to buy 3 tickets at the door from XXXX XXXX on my other non TD credit card, which I can prove if necessary. 2 ) I called TD Credit card disputes to report the issue, and they somehow decided the case against me, failing to protect me from unauthorized transaction. I give XXXX authorization to charge me for what I requested, not for what I never requested. Therefore, the charge should be void. Instead, TD refuses to even let me appeal. I canceled my credit card because its clear they dont want to protect their customer, me in this case, so there is no point in continuing to use the card. 3 ) TD bank didnt even bother to ask me for additional information to help with the case. XXXX sent them a bunch of screenshots that show me purchasing the tickets online, but that was at the direction of their sales agent. They said these were the right tickets!!!! I took their word and got screwed. Criminal on part of XXXX to deny their mistake.
Company Response: Closed with explanation

Timely Response

2019-04-02

Barona Rancheria, CA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-04-02

Gordon Heights, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-04-02

Castle Point, NJ

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2019-04-02

Fred, VA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-04-02

Beverly Beach, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2019-04-02

Philadelphia, PA

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2019-04-02

Brooklyn, NY

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
Company Response: Closed with explanation

Timely Response

2019-04-02

GA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I got a call out of the blue saying that we were late on a payment. Called my wife and found out we were. So we paid two payments that month. Then a couple months late the same thing happened but we hadnt missed any payments. But in trying to keep late payments off my credit we paid two payments that month. Now this is the 3rd time this has happened and shows we are two payments behind still. Thank you XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-04-02

Fort Worth, TX

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: I have reported the unauthorized charges made to my credit card account to TD BANK USA and they have not worked with me to resolve this report of fraud on my account. They refuse to reverse the charges. I immediately called to report the unauthorized use of the card and twice submitted their Fraud Questionnaire as required. They are giving me the 'run around '. All of the charges totaling {$750.00} listed below were NOT AUTHORIZED BY ME. Some person, unknown to me, used a credit card that was apparently diverted by mail to make a series of fraudulent charges to my XXXX XXXX account in the transactions listed below. I am disputing all of the listed charges. Also, I have never processed a CASH ADVANCE transaction for {$400.00} at any time on this account. Let me know if you have any questions. Posting Date Description and Amount Category Comments XX/XX/2019 XXXX XXXX XXXX XXXX TX - {$320.00} Auto Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX MON XXXX XXXX CA - {$11.00} Travel XX/XX/2019 XXXX XXXX XXXX XXXX TX {$400.00} Cash Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX TX - {$11.00} Auto Related Date of transaction XX/XX/2019 XX/XX/2019 XXXX XXXX XXXX XXXX XXXX TX - {$1.00} Auto Related Date of transaction XX/XX/2019 XX/XX/2019 CASH ADVANCE FEE {$12.00} Miscellaneous Transaction XX/XX/2019 XX/XX/2019 CASH ADVANCE FEE {$12.00} Zip : XXXX Merchant : Miscellaneous Transaction Date : XX/XX/2019 XX/XX/2019 Original Amount : {$12.00} INTEREST CHARGE- CASH {$7.00} I would like to have these charges removed from my account.
Company Response: Closed with monetary relief

Timely Response

2019-04-01

Monmouth Jct, NJ

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-04-01

Chester, NY

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-04-01

Wallington, NJ

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I opened a credit card with TD Bank when I purchased furniture in XX/XX/2018 with the store and paid off the balance. Because the store charged separately for each delivery, a late payment occurred in XX/XX/2018. I called the TD Bank and asked for pay off and waive charged fees. TD Bank 's representative through phone instructed me paying off ( I was given the number I need to pay off ) and confirmed that all fees are waived and the balance is XXXX. Because I believe my balance is XXXX I did not go back to check my account for 6 months. Recently, I received voice mail from TD bank asking me to call the bank service. I checked my balance and realized TD bank do not waive certain fee called-charges which caused accumulated interest for 6 months- {$250.00} till today. All the online account setting is by default, I were not offered the opportunity to understand waiving of all fees do not cover certain charges ( hiding charges ). As a customer, I am confused and feel unfairly treated by the way TD bank manage and charge credit card account.
Company Response: Closed with monetary relief

Timely Response

2019-04-01

Columbia, MO

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

2019-03-31

Daytona Beach, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response