TD BANK US HOLDING COMPANY

2019-02-28

Leh, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-28

Lake City, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-02-28

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with non-monetary relief

Timely Response

2019-02-28

PA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Complaint: TD Bank will not refund fees that are related to checking account pulls from XXXX that were unauthorized. I called into TD Bank to let them know that these transactions are not my doing, yet they are willing to let my account be overdrawn - {$310.00} because of these fees. I have incurred overdraft fees due to unauthorized XXXX transactions on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, yet TD Bank did not stop XXXX at any time from withdrawing my account.
Company Response: Closed with explanation

Timely Response

2019-02-27

Bronx, NY

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 have disputed these accounts through US mail, E-mails- Credit Agencies and etc. I have reached out dozens of time sand still get the same response. These are not m, y accounts. I did not open or apply for any of these accounts. The address that opened these accounts is a different apartment number. This was fraud and I have had everything from cell phones to credit cards opened without my knowledge I have sent copies of my identity theft report and my complaint and still nothing. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is an FCRA violation also open to damages collected from you by me. I expect to receive the proof requested above, within 10 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. If you have true and accurate proof of this alleged debt, you may send it to me by mail in the form of complete and accurate billing, and payment and account history as allowed to be under federal law.
Company Response: Closed with explanation

Timely Response

2019-02-27

West Harrison, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-02-27

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-02-27

Wills Point, 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
Company Response: Closed with non-monetary relief

Timely Response

2019-02-27

Conyers, GA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-02-27

Minneapolis, MN

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
Company Response: Closed with explanation

Timely Response

2019-02-27

Gloucester City, NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: There were unauthorized transactions worth of XXXX grand and I was only notified once by the bank and their fraud department upon calling and speaking with the fraud department at TD Bank they said my card and account would be completely closed until the dispute was finalized. My dispute was denied because I was informed it was pin based meaning the suspect used my pin and account info along with personal information to do money orders. As soon as I found out I put a fraud alert on my accounts and attempted to reach out to the local police as well as making a complaint with the FTC. Now the bank is saying my account will go to collections and I have to pay them back XXXX grand.
Company Response: Closed with explanation

Timely Response

2019-02-26

Alden Manor, NY

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-02-26

Itasca, IL

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Complaint: I called in late XX/XX/XXXX to ask the representative if there was a hardship program where I could defer some payments or lower my monthly payments. I was told no by a young lady. A few weeks later, XX/XX/XXXX, I missed my monthly payment for {$350.00} due to financial hardship and inability to pay. A few days later, a young man from the company called and told me that there is a program for financial hardship and the lowest payment is {$150.00} per month. At the time, I did not think I could commit to pay that amount so I declined to set up a payment plan. He said I could call back if I changed my mind. I did call back a few days later and spoke to a young woman and who helped me set up a payment plan for {$150.00} per month to begin with an initial payment on XX/XX/2019. I received email confirmation of this payment plan with the terms and payment dates beginning XX/XX/XXXX. Every day since then, Ive received 3-5 calls per day from the representatives in debt collection telling me that I owe {$150.00} per month beginning XX/XX/XXXX. Im unable to do that and it is not what I agreed to. The representative I spoke to on XX/XX/XXXX, a young man, told me that my payment plan would be cancelled if I did not pay by XX/XX/XXXX. I refused to pay because that was not what I agreed to and he refused to let me send him the email confirmation to show him proof that I did schedule it for first payment on XX/XX/XXXX. That was yesterday. They have already called me 5 times, 3 of those being today between the hours of XXXXam- XXXXam. This to me is harassment! They are also calling from a blocked number. I am annoyed and fed up with their unfair practices and it does not seem right that they set up terms of payment plan that they now deny! Please help.
Company Response: Closed with non-monetary relief

Timely Response

2019-02-26

Accord, MA

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2019-02-26

Fort Worth, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: In XX/XX/XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a XXXX XXXX XXXX. I was having g credit issues that resulted in a bankruptcy filing in XX/XX/XXXX so I asked my sister to add me to her XXXX XXXX Credit Card ( XXXX Card ) as an authorized user. She called and did so. I used the card until XX/XX/XXXX at which time I returned the card to her with no balance. She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit. I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
Company Response: Closed with explanation

Timely Response

2019-02-25

Arverne, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-02-25

Stevenson, MD

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: My wife and I had a 63 month installment loan with TD Bank for the purchase of a new XXXX XXXX XXXX. This loan was set up for auto payment from my wife 's checking account. Because of a timing/Bank error, payment XXXX, then XXXX were not taken by auto pay. Neither one of these non-payments generated any correspondence from TD Bank, giving us the impression all was good. During the same period, approx. early XX/XX/XXXX, TD Bank did send correspondence letting us know that the last payment would not be taken by auto pay due to their system and that we would need to make other arrangement, Check or over the phone payment, to make the final installment. On or about XX/XX/XXXX, I reached out to TD Bank to make the final payment, at which time I was verbally informed of the two prior payments not being made. While on the phone and checking my wife 's records, we became aware of the two missed payments, acknowledged that fact, and made a payment to settle the loan in full. A week later, TD Bank sent two letters that arrived on the same day, one being the lien release, the other being a statement saying that they could report our delinquency to the reporting agencies, which they did. I have reached out to TD Bank multiple times since this incident and have been informed that because an auto pay was declined by my wife 's bank, their system is not " set up '' to generate a non-payment letter because of " insufficient funds '' reason. My argument to TD Bank is that, there is blame to go around, ours because we did not recognize the payments not being made, but also theirs for 1 ) not informing us when the XXXX payment was late, then the XXXX payment was late, 2 ) taking into account that it was my outreach to them that made us aware of this issue, and that it was handled immediately, 3 ) recognizing that their " system setup '' helped create this issue by not informing us. There is fault by us and TD Bank, TD Bank has reported a 60 and 90 day late payment against mine and my wife 's credit report, their customer service has acknowledge fault but has said " legal '' has no wiggle room and must report everyone equally regardless if they are part of the blame.
Company Response: Closed with explanation

Timely Response

2019-02-25

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-02-25

Augusta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-02-25

Hollywood, FL

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2019-02-25

Phila, PA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-02-24

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Auto loan from td bank was closed since 2012! It is 7 years old
Company Response: Closed with non-monetary relief

Timely Response

2019-02-23

Key Biscayne, FL

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: I revelry opened an account with TD bank and once opened was told to fund the account. I did so and now TD bank is telling me that I will not have access to the funds until I can come to a branch. This is holding my funds hostage and causing a major problem with regards to accessing my money. I requested they override and put the money bank into my account and they have denied access to my funds.
Company Response: Closed with explanation

Timely Response

2019-02-23

Gloucester City, NJ

Incorrect information on your report

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

Information is incorrect
Complaint: When I went to open a checkings account I was denied at TD Bank. I then discovered about an account where at the time the account was reported open I was a minor and I should not be responsible for the balance. These such items have been included with my report due to overdrafts. Thank you
Company Response: Closed with non-monetary relief

Timely Response

2019-02-22

TX

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I did not receive a statement in XX/XX/XXXX or XX/XX/XXXX. I was reported delinquent to the credit rating agencies, but never received a notice that an amount was due. Once informed that an amount ( {$630.00} ) was due, it was paid in full.
Company Response: Closed with explanation

Timely Response