TD BANK US HOLDING COMPANY

2019-03-27

Key Biscayne, FL

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: TD Bank account was opened under my name while I'd been out of country in XX/XX/2016, Please find attached my Identity Theft report with the police report.
Company Response: Closed with explanation

Timely Response

2019-03-27

Charlotte, NC

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with non-monetary relief

Timely Response

2019-03-27

Palm Desert, CA

Credit monitoring or identity theft protection services

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

Received unwanted marketing or advertising
Company Response: Closed with non-monetary relief

Timely Response

2019-03-26

Macon, GA

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2019-03-26

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with non-monetary relief

Timely Response

2019-03-26

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-03-26

Livingston, 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

2019-03-26

Wrentham, MA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Complaint: On XX/XX/19 around XXXX I went to the TD Bank drive-up ATM at XXXX XXXX XXXX XXXX , XXXX and used my XXXX XXXX debit card to make a cash deposit of {$1100.00}. The ATM encountered some type of error and produced a " Forced Deposit Record '' and the funds were not deposited into my account. I entered the TD Bank branch immediately following the transaction and spoke to a female teller who told me that I would have to contact XXXX XXXX about the missing funds. On the same day, I visited the XXXX XXXX branch at XXXX XXXX XXXX XXXX, XXXX and initiated the ATM claim process. I was issued a temporary credit in the amount of {$1100.00} for the claim on XX/XX/19. The temporary credit was reversed by XXXX XXXX on XX/XX/19 when they could not find a record of the XX/XX/19 transaction in their system ( XXXX # XXXX ). I was told to contact TD Bank to complete my claim. On XX/XX/19 I visited the TD Bank branch in XXXX, XXXX and spoke to the branch manager, XXXX XXXX. I told XXXX my situation and I also told him that I had misplaced the receipt from the original transaction. XXXX checked his records from XX/XX/19 and XX/XX/19 and told me that the ledger was balanced and there was no record of any missing money. He told me he was going to contact ATM services with my information and give me an answer by XX/XX/19. On XX/XX/19 I re-visited the TD Bank branch after I had not heard from XXXX. XXXX told me that he had no new information and that there was nothing that he could do for me without a receipt because he had no proof that I made a transaction. I asked XXXX if he would be able to gain access to the security footage to verify that I had visited the branch on XX/XX/19 around XXXX, and he said that would not be possible unless there was an investigation of fraud. XXXX insisted that my issue did not involve him and was not a TD Bank issue. I emailed XXXX after our meeting on XX/XX/19 and asked him to keep me updated, and received no reply. I visited the XXXX Police Department on XX/XX/19 and spoke with Officer XXXX XXXX who helped me record my events in a police report. I emailed XXXX for a second time on XX/XX/19 and once again asked for an update on my situation, and did not receive a reply. I submitted a complaint to the Massachusetts Attorney General 's office on XX/XX/19. I called TD Bank customer service on XX/XX/19 and spoke with an agent named XXXX. XXXX contacted the branch on my behalf and spoke with XXXX XXXX, XXXX once again showed no interest in helping me resolve my situation and XXXX suggested that I take further legal action. I received a reply letter from XXXX XXXX XXXX XXXX dated XX/XX/19 ( Complaint # XXXX ). On XX/XX/19 XXXX suggested I file a complaint with the CFPB.
Company Response: Closed with monetary relief

Timely Response

2019-03-26

Blackbird, DE

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: XX/XX/2018 there were two unauthorized wire transfers from our account. The first one was for XXXX and the second one was for XXXX.going to the same person in Arizona that XXXX have never heard of or done any transactions with previously. I reported TD bank and they said they will investigate and would contact XXXX XXXX XXXX ( thief 's bank ) to investigate. They took a week and then told me that because the transfer came from my computer that there is nothing they can do. I didn't authorize any transfer so even if my computer had malware or whatever they claim I didn't authorize it and want them to proceed with recovering the money. They said there is no recourse for this and that I am out the money with no appeal or recourse. I don't believe that my computer was where the transfer came from and even somehow they hacked my computer and transferred the money I am still stating that this was unauthorized and would expect them to take action. the thief who did this gets away scot-free and does it again because the bank did nothing. They seemed to shift the lilbility to my computer because then they would not be responsible for their allowing this transfer to happen. They never even contacted the thief bank account holder to see if why they had an explanation for them receiving the transfer.
Company Response: Closed with explanation

Timely Response

2019-03-26

Hollywood, FL

Improper use of your report

Vehicle loan or lease: Loan

Report provided to employer without your written authorization
Company Response: Closed with explanation

Timely Response

2019-03-26

Amarillo, TX

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
Complaint: After my vehicle 's total loss on XX/XX/2019, I was shopping around for another vehicle. I visited XXXX XXXX XXXX XXXX on XX/XX/2019 and gave authorization to run my SS # to see if they could beat the APR that my credit union was offering me. They could not, however, and I then pursued financing through my credit union. Nevertheless, I purchased a vehicle from XXXX XXXX on the same day. A couple of weeks later, I received three credit denial letters, all of which were from banks that XXXX XXXX had apparently submitted a credit application to. As a result, I ended up having a total of three credit report inquiries from XXXX XXXX, as one of the denial letters stated that I had no credit file. I did not authorize the dealership to submit my SS # more than once or to more than one bank, and I had no idea that they had done so until I'd received these letters! Upon checking my credit reports afterwards, I discovered that three hard inquiries indeed were made from XXXX XXXX on XX/XX/2019. I am extremely upset about this, to say the least, as my credit score has been severely impacted as a result.
Company Response: Closed with explanation

Timely Response

2019-03-25

New Sharon, ME

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2019-03-25

Plymouth, FL

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 monetary relief

Timely Response

2019-03-25

Charlotte, NC

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response

2019-03-24

OR

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I've repaired credit score to XXXX. Applied for department store card who uses same ( XXXX ), and paid off credit debts, yet U still got my Application Denied!! Filing a Federal Lawsuit against U,, XX/XX/2019. Truly yours, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-03-23

College, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Bounced checks or returned payments
Company Response: Closed with explanation

Timely Response

2019-03-23

Smyrna, DE

Getting a credit card

Credit card or prepaid card: Store credit card

Sent card you never applied for
Company Response: Closed with non-monetary relief

Timely Response

2019-03-22

Town Center, NJ

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-03-22

Portland, OR

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 explanation

Timely Response

2019-03-22

Concord Twp, OH

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2019-03-22

TN

Incorrect information on your report

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

Account information incorrect
Complaint: I opened a card with XXXX in XXXX and paid each month in full for 4 years. In XXXX, I reported to XXXX that my card had been stolen and that fraud had occurred. They asked me to identify charges that were not mine. I did this- they continued to keep all those items on my bill, charge me late fees, and interest, even though all the charges were supposed to be disputed. XXXX sent me a new card and an email acknowledging they were investigating the fraud, but did not stop fees and kept all the disputed charges on my bill. I refused to make payment because the credit card contract shows that if I make a payment on items that are fraudulent, that you accept those items as part of your bill. After 6 months fines and fees and no more response about the investigation, they closed the account, continued to add on more fees, and then, after adding over {$1000.00} beyond my credit limit to the bill in finance charges, submitted the file to credit reporting agencies and a collection agency. I challenged them due to the fact I had fraudulent charges and they had acknowledged them but did not fulfill their end of the contract in how they handled my case. XXXX took a civil suit against me in XXXX, TN, on XX/XX/XXXX. After over a year of court dates, the judge dismissed the case because they did not have the legal right to hold those charges on me, and that should have stopped them from pursuing me and have legally made them remove the negative information from my credit report. Instead, XXXX processed the already charged-off debt, as a new opened account, and charged it off again, resetting the 7 year negative delinquent charged off status of my account with them. Despite having brought a civil case against me, and losing, they acted against court orders, and still refuse to adjust this. I have gotten them removed from two out of three of the major credit bureaus by showing the court signed and stamped judgement dismissal. XXXX however, did not remove it, and XXXX will not remove it. XXXX XXXX aggressive bullying and illegal actions have greatly affected my personal life in time, court expenses, lowered credit score, and overall a frustrating and painful experience from someone who was a faithful customer and on-time-always credit card holder, now still affected, years later, by their irresponsible behavior.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-22

Lewisville, TX

Incorrect information on your report

Credit card or prepaid card: Store credit card

Information belongs to someone else
Complaint: There are two delinquent accounts currently appearing each month on my credit report. They are retail credit cards with XXXX 's and XXXX. Both of these accounts belong to my ex-husband. We were divorced on XX/XX/18. These accounts are in his name. I am not an authorized user on either of these accounts. In addition, my credit report shows my XXXX XXXX XXXX, XXXX, Texas address as a new address. It is not new. I have lived there for 12 years. Also, it shows an address on XXXX as a new address. The XXXX address is my ex-husband 's rental property - not mine.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-22

Succasunna, NJ

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Can't stop withdrawals from your account
Complaint: Every month an ach transfer for {$220.00} is being charged to my checking account by the management company. I want to stop the ach and pay by check. I sent the management company and my bank a letter revoking my authorization for the withdrawal. They both said it had nothing to do with them. Management said they don't request the charge and they no longer accept ach payments. I set up the ach many years ago and feel sure it was with the management company. However, I know that there have been changes. The bank says the payment order is coming over the web, but that is all they know. My only option was to place a stop payment on the charge. My bank handles a stop payment by withdrawing the {$220.00} from my account one day and returning it the next day. The association is treating this as a bounced check and charging me {$25.00} each month even though they receive my check. To date no one will help me find the source of this payment request. So, I am unable to rectify the situation.
Company Response: Closed with non-monetary relief

Timely Response

2019-03-22

Cheverly, MD

Managing an account

Checking or savings account: Checking account

Cashing a check
Complaint: TD Bank is a new bank for me, and they gave me 4 checks that I could use, first I tried XXXX XXXX XXXX and they said the check was no good then I tried XXXX gift store and they said the check was no good, why is TD bank giving out bad checks. This has been most embarrassing.
Company Response: Closed with explanation

Timely Response

2019-03-22

Country Lakes, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response