TD BANK US HOLDING COMPANY

2019-03-22

Dix Hills, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-03-21

Middle Island, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-03-21

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-03-21

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

Was not notified of investigation status or results
Complaint: I closed cancelled a XXXX XXXX insurance policy for my XXXX phone in XX/XX/XXXX. I was continously billed for the service after the policy had been closed. This non-payment lapse of greater than 90 days was reported to the credit bureaus and my FICO score plummeted. I paid {$95.00} in XX/XX/XXXX to close the account. This included late fees and monthly policy premiums. I would like repayment of the {$95.00} and the credit bureaus notified to the error.
Company Response: Closed with explanation

Timely Response

2019-03-21

East Windsor, NJ

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Complaint: On XX/XX/XXXX, I had filed a complaint ( # XXXX ) with CFPB about spam mail I was repeatedly receiving from TD Bank. TD Bank responded by proving a link ( XXXX ) for permanently opting out of all spam mail. At that time, I did use that link to permanently opt out of such mail. Today ( XX/XX/XXXX ), after almost 5 months, I have once again received another spam mail from TD Bank ( I have attached the front and back of the mail I received ). So, since I had already opted out in XX/XX/XXXX, why am I still receiving spam mail from TD Bank?
Company Response: Closed with explanation

Timely Response

2019-03-21

Crotonville, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-03-21

Gardnerville, NV

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with monetary relief

Timely Response

2019-03-21

Edison, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-03-21

Boca Raton, FL

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-03-20

Delray Beach, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-03-20

Mabank, TX

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Complaint: I was a victim of identity theft and I had someone open up a fraudulent credit card in my name and it cause my credit score to drop down to XXXX from XXXX and I contacted TD bank about this and they told me to take it up with XXXX and I explain to TD bank that I was a victim of identify theft and they wont assist me much further and decrease my credit limit to XXXX from XXXX Ive been making my payments on time with TD bank and never been late and I dont deserve to be punish for theft mistakes I currently have a open dispute with XXXX because someone open up a XXXX credit card in my name and they are taking too long with the dispute
Company Response: Closed with explanation

Timely Response

2019-03-20

FL

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: On XX/XX/XXXX, I received a promotional email from TD Bank offering a Savings account with 2.5 % interest rate guaranteed for 12 months if I open it online and deposit {$20000.00} or more before XX/XX/XXXX. On XX/XX/XXXX, I received a letter from TD bank confirming 2.5 % rate. On XX/XX/XXXX, I received an email from TD bank confirming the rate of 2.5 %. I opened an account online and deposited more then {$20000.00} in XX/XX/XXXX. One of the other conditions was to link a checking account to my account which I did and to make at least 3 transactions per month which I did by transferring money from my checking account to my savings account. To my surprise, TD Bank only paid me 1.49 % for the month of XX/XX/XXXX and 1.49 % for the month of XX/XX/XXXX. I called TD Bank on XX/XX/XXXX at XXXX XXXX and spoke to XXXX. She looked into the account and informed me that I met all requirements and she was going to request to change the rate to 2.5 % and it will take 3 to 5 days. I requested that I am paid interest retroactively since I met all the requirements and she told me that she will put in a request. Today, XX/XX/XXXX, I checked my account through my app and it still shows 1.49 % interest rate. TD Bank did not credit me back for the interest owed. I put in a call to TD Bank on XX/XX/XXXX at XXXX XXXX and spoke to another representative and she informed me that I won't be getting interest paid retroactively. This is bait and switch and I am appalled by this actions from TD bank. I demand that they pay me interest as advertised from day 1.
Company Response: Closed with monetary relief

Timely Response

2019-03-19

Manhattan, NY

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2019-03-19

Bayville, NJ

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-03-19

Barry University, FL

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

2019-03-19

NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/2019 I was at XXXX XXXX in Florida. I used an ATM to withdraw {$100.00}. Then my account was hit multiple times for {$800.00} overdrafting my account. We were not notified by Td bank. Upon our arrival back home to Ny on XX/XX/2019 I checked my account to find that transactuon posted on that same day. I notified the bank to make a complaint. I was told it was impossible for me to make those withdrawals due to the speed of the transaction. I was told provisional credit would be available. That did not happen and again I was not notified by TD bank.I went to our bank to complain 3 times.Again they said it was impossible to make such transactions. Upon calling XX/XX/2019 found out the claim was denied.I Filed again and promised provisional credit would be available on XX/XX/2019. Upon calling again on XX/XX/2019 I was told the claim was denied on XX/XX/2019. Still not notified by TD Bank. Since then with overdraft fees the bank has taken my child support check which is my only source of income which brought to call CFPB XX/XX/2019 to file my complaint. Thankyou for any and all assistance to resolve this matter.
Company Response: Closed with monetary relief

Timely Response

2019-03-19

Jupiter, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: Hello, I contacted TD in regards to a visit to the bank on XXXX. I came. I was taken for {$500.00} from fraud, you can review your cameras and seeing this transaction. I even asked if TD would look at the cameras for a picture and license tag number of the criminals, they stole every penny I had. As a result, I had scheduled for a payment to be debited from my account a few weeks ago and as a result of the theft, when the date came and the creditor debited the account, the account was charged a NSF, because all the money had been stolen. I explained what transpired to TD but no one would assist me. I understand the bank is not responsible for my money being stolen but the fee was charged as a result of the theft and when this transpired, I was so distraught that I didnt think to contact the company to stop the predated payment. I copied and pasted this email that was sent to the XXXX XXXX XXXX by mom to support what I am telling TD. I can provide a copy for the bank to support this transpired to me. I do have the conversation with XXXX which he agreed this was a scam a the money was stolen. Dear XXXX, I am 71 years of age and this man came to our home unexpectedly, along with two other men, he identified them as his family members and said that he, his brother and father were paving driveways for a good deal as they are trying to obtain more business. They told me they were licensed and insured and said his name was XXXX. I asked him several times for an estimate as he had free estimates on the truck. I also informed him that the XXXX cars in the driveway, the battery had to be charged so I could not move the cars. So, just leave the estimate. I told him, I did not have a lot to spend because he kept insisting about doing it then. I told him I loss my husband and son to XXXX and they are the ones who normally handles these things. He then says he loss XXXX or XXXX family members to XXXX. I told him I was sorry for his loss and again I said, just leave me an estimate and I will call you if interested. Well, he starts spraying something and reiterating he will pave for a cheap price. I said how much is this costing me? He finished spraying some substance and tells me he is not finish and he will come back it has to dry and he will pave tomorrow and if I pay him {$700.00} now, he would do the paving and provide an extra sealer on it. I told him, he did not do the job, nor did I ask him to spray whatever that was. He begged and told me he believes in XXXX, he has XXXX kids and if I could give him cash now instead of a check he would be giving me a better deal. He said he normally charges {$1200.00} while playing on the calculator, saying how good of a deal Im getting and reiterateing that I needed to pay him now cash and cash will lock in a good deal. I told him, thats too much and I do not have that kind of money, Im on a fixed income and I told him, I did not feel comfortable doing that and he pleaded and said he had children to feed, XXXX. He kept saying, XXXX XXXX fearing. He promised he would be back the next day in the morning and do a superb job. I have not seen him or the XXXX other guys anymore, this was on XXXX. My daughter went to the bank to cash the check as I am XXXX and can XXXX XXXX. She informed them that the bank was closed. They insisted and asked that she use the ATM. She is on a fixed income and gave them the {$500.00} out of her account at the bank. That was everything she has as she is on a fixed income as well. After that, they did not show up, my daughter said the bank TD Bank the address is XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, they had cameras and she knows that the vehicle and tag is on camera as they parked in front of the bank as she went in to try cash the check ( bank was closed ). I did not understand why he or the other XXXX did not want to cash the check and he and the other XXXX pleaded again and made up excuses, which now I know they are scammers and stole from me a senior citizen and my daughter. I asked for a receipt, which he gave me this wrinkled small piece of paper in which I questioned and he claim he would bring back a valid receipt the following day.
Company Response: Closed with monetary relief

Timely Response

2019-03-19

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-03-19

Las Vegas, NV

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with non-monetary relief

Timely Response

2019-03-19

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-03-19

Windermere, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with non-monetary relief

Timely Response

2019-03-18

Kissimmee, FL

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

2019-03-18

Philadelphia, PA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2019-03-18

Philadelphia, PA

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: Im filing this complain to resolve TD Bank ( TD ) Fraud accusation. I deposited a check for {$5400.00} using TDs ATM on XXXX2019. The ATM read the {$5400.00} check as {$54.00} and I tried unsuccessfully to correct the mistake at the ATM. On XX/XX/XXXX when the error was not corrected I called TD customer service around XXXX XXXX ET and spoke with a supervisor who informed me that this error could take 10 businesses days to be corrected because s an investigation needs to be opened. I reluctantly agreed to open the investigation. TD customer service told me that I was at fault for writing XXXX XXXX instead of XXXX XXXX XXXX XXXX TD Customer service also blamed me for not fixing the error while at the ATM. I then called TD Customer service a second time after realizing that only {$54.00} was deducted from my XXXX XXXX account. I asked TD Customer service to stop ( cancel ) the dispute because I was going to re-issue the check. I spoke with a representative and asked that he cleared the dispute cancelation with his supervisor. Customer service confirmed that dispute was cancelled and his supervisor said it was ok. On XX/XX/XXXX, a {$5300.00} adjustment was credited to my TD Bank Saving account creating a balance of $ XXXX. I then transferred the {$5400.00} from my Saving to Checking. On XX/XX/XXXX, TD Bank locked my accounts alleging Fraud. I am requesting that a TD Manager listen to the calls I had with TD customer service the morning of XXXX19 at approximately XXXX ET and XXXX ET. If after listening to both calls you conclude that Fraud was committed Ill be glad to close all my TD accounts. Outside of TD I have the following banking relationships : ( 1 ) XXXX XXXX opened 15yrs ago daily average balance more than $ 45k ( 2 ) XXXX XXXX XXXX opened 36 yrs daily average balance more than $ 5K ( 3 ) XXXX XXXX opened 6 months ago daily average balance more than $ 30K In addition to the above cash balances I have self-manage stock portfolio with XXXX opened 25 yrs balance $ XXXX, XXXX opened 12 yrs ago $ XXXX and XXXX opened 20 yrs ago balance $ XXXX total net worth is well north of {$1.00} million and Im debt free except for a couple rental mortgages. Funning story, TD has been chasing after me for over a year to open an account. The TD account has an incentive of {$500.00} and the following criteria $ XXXX for saving within 20 days and $ XXXX for the checking with direct deposit. I am happy to bring my entire bank and investment statements into the TD branch at XXXX XXXX XXXX, but I am not going stand by and have TD criminalized my transactions based on information received from TD customer service on XX/XX/XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-03-18

Newark, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response