TD BANK US HOLDING COMPANY

2019-02-11

Bradfords Cross Roads, NC

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2019-02-10

FL

Getting a credit card

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

Delay in processing application
Complaint: I have contacted Nordstrom multiple times pertaining to this issue. I was advised that I was approved for the Nordstrom Visa but since I had to implement a Fraud Alert due to the most recent XXXX breach. I had the great opportunity of speaking with someone in upper management in the corporate office and when speaking with a customer service representative and a manager I was advised that all Nordstrom card service needs to do is verify my identity. In doing so I sent front and back copy of a current Florida state drivers license current front and back copy of my Social Security card and a current utility bill showing my name on the bill as living at my current address and I have done this more than three times and in spite of doing so and complying with what they requested taking time out of my busy schedule. I sent them the documents requested well on XX/XX/2019 I have enclosed a letter that is basically the notice that Nordstrom card services to receive my complaint with the consumer financial protection bureau. When a consumer gives information such as their employer and in my case I am a XXXX I believe I have been discriminated against against the fair credit lending act there should be absolutely no discrimination based upon spiritual or religious affiliation or organization. That being on my application and through conversation I am being discriminated against by Nordstrom card service to receive the visa card that I shouldve received because Nordstrom card services received the documents clear as day in fact I believe in color that they requested. Since Nordstrom has merged with TD Bank they had been the worst and out of compliance of the fair lending act.
Company Response: Closed with explanation

Timely Response

2019-02-10

TX

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I paid {$1000.00} towards my auto loan on XX/XX/XXXX. I then contacted TD Auto Finance on XX/XX/XXXX to make certain this would not affect my next scheduled Auto draft payment on XX/XX/XXXX. I was told by the representative that because I had overpaid, the next payment would not draft as scheduled. I then requested that the extra amount I had paid on XX/XX/XXXX be applied to principal so that the payment of {$400.00} due on XX/XX/XXXX would draft as scheduled, and the representative said he would take care of that. My payment never drafted, and upon calling the automated system it also appears that my extra payment was never applied to the principal. This is also in addition to all of my contact information being entered incorrectly when I opened the account. I had called in XX/XX/XXXX because I had not received a statement since XX/XX/XXXX, and found out all of my contact information was incorrect, and that I had been in arrears with no knowledge.
Company Response: Closed with explanation

Timely Response

2019-02-10

E Fairfield, VT

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-02-09

WA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: A payment was missed to TD BANK in XX/XX/XXXX. This was realized upon receiving my XX/XX/XXXX monthly statement on XX/XX/XXXX. Phone calls with no messages left started on XX/XX/XXXX, prior to receiving my monthly statement. On XX/XX/XXXX a message was left. I called back on XX/XX/XXXX, and advised that XX/XX/XXXX and XX/XX/XXXX payments plus XX/XX/XXXX late fee would be paid electronically paid on XX/XX/XXXX. This was 8 days prior to the due date. I received a phone call 30 minutes later. This person acknowledged that they could see they had just called. Since that conversation I have received no less than 2 phone calls per day from this company. They do not leave a message. On XX/XX/XXXX I spoke with an employee and they advised that as long as the bill is behind the automated system dials. Once they talk to the individual they can then see that arrangements have been made. This is a list of calls and times : to # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. To # ending XXXX : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX & XXXX, XX/XX/XXXX XXXX XXXX. Seventeen phone calls with only 2 messages left over the course of 12 days. Twelve of these phone calls coming after an agreement was made. THIS IS HARASSMENT.
Company Response: Closed with monetary relief

Timely Response

2019-02-09

Odell, OR

Getting a credit card

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

Application denied
Complaint: On XX/XX/2018 I applied for an Ally Bank credit card. On XX/XX/2018 XXXX XXXX accessed my XXXX credit bureau report. Subsequently XXXX XXXX sent me a letter purporting to be an Adverse Action / ECOA Notice. This notice, required by law, must describe the real and actually reasons why my application was denied. Instead, Ally Bank subtitled untruthful, fraudulent reasons. XXXX XXXX simply regurgitated word for word the four factors that FICO Score uses when describing why one 's credit score is not higher than it actually is. For example, FICO stated my credit score was only XXXX because : Lack of recent installment loan information XXXX XXXX stated my application was denied because : Lack of recent installment loan information XXXX XXXX 's actions do not comply with the law.
Company Response: Closed with explanation

Timely Response

2019-02-09

Flushing, NY

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2019-02-09

Atascadero, CA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Problem with customer service
Company Response: Closed with non-monetary relief

Timely Response

2019-02-09

Harsens Is, MI

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 an account reporting on my credit that I did not apply for. I do not recognize nor do I know how this was originally initiated. The account status is currently showing derogatory in the remarks. The info pertaining to this account does not match any past/ current addresses I've lived, which led me to believe someone obtained my personal information to proceed.
Company Response: Closed with explanation

Timely Response

2019-02-09

Weston, CT

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Hi, I hope all is well. On XX/XX/XXXX, while I was still away on business, and eventually en route back late evening from Florida, there were multiple fraudulent transactions which had taken place in the vicinity of XXXX XXXX. Upon review of my account on Monday, XX/XX/XXXX, I discovered these transactions, which were still pending at that, and called into to my bank, TD Bank, to ask about further color on these transactions. While speaking to TD, they disclosed to me that the credit card transactions had taken place on a number linked to my account, which should have been shut down in XXXX. In TD Bank 's words, the account was " closed improperly ''. These transactions on that particular card number should never have taken place. These transactions totaled {$120.00}. In addition, there were multiple ATM withdrawals which totaled {$630.00} on that day. In addition, there were 6 inquiries on these atms on my account, with additional charges totaling {$18.00}. I was also told that " Leadership '' would be calling me within 24-48 hours, as they were going to review the process around closing down that particular credit card number linked to my bank account from mid XXXX. I still have not heard back from " Leadership '', some 5 days later. The charges ultimately did not post to my account until XX/XX/XXXX. I was told I have to wait until these charges posted to file a dispute. Also, I had called to get the location of the XXXX XXXX transaction, hopeful that I could have it looked into by XXXX XXXX Police. TD Bank had informed me that they were unable to find that information, knowing only that it took place in XXXX XXXX. I have also filed a police report, and have shared the police case number with the bank.
Company Response: Closed with monetary relief

Timely Response

2019-02-09

Ny City, NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XX/XX/2019 someone tried to buy a car at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. My information was used to try finance a car purchase. This is now on my credit report and I want it corrected and the inquiry removed an updated at all three credit reporting agencies.
Company Response: Closed with explanation

Timely Response

2019-02-08

Brooklyn, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with monetary relief

Timely Response

2019-02-08

New Rochelle, NY

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-02-08

Maynard, MA

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2019-02-07

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with monetary relief

Timely Response

2019-02-07

Aberdeen, NJ

Money was not available when promised

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

Company Response: Closed with explanation

Timely Response

2019-02-07

Soquel, CA

Incorrect information on your report

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

Account information incorrect
Complaint: I have a store credit card with XXXX/XXXX XXXX XXXX. I have always made my payments on time. I have noticed while looking over my credit report that there was a 30-day late payment on my credit report on all 3 bureaus. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX and XXXX/XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX are all reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Closed with explanation

Timely Response

2019-02-07

Chesterbrook, PA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Banking errors
Company Response: Closed with explanation

Timely Response

2019-02-07

East Norwalk, CT

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Closed with explanation

Timely Response

2019-02-07

Brooklyn, NY

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-02-06

Seymour, CT

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 non-monetary relief

Timely Response

2019-02-06

Bethpage, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2019-02-06

Maynard, MA

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: In XX/XX/2018, the final payment on my auto loan with TD Auto Finance was to be paid. Throughout this loan, it was set up on auto pay. TD Auto Finance turned off auto pay, and I did not receive information of this until 90 days due, which I then made the last payment. I have contacted TD Auto Finance, noting this and they responded " After reviewing your dispute and the facts your provided, we concluded that we are correctly reporting your account history and other relevant information to the credit bureaus ''. Completely crazy that the failure for them to take payment is a reportable reason.
Company Response: Closed with explanation

Timely Response

2019-02-06

El Paso, TX

Money was not available when promised

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

Complaint: My wire transfer is held due to a US OFAC Investigation Request XXXX, details XXXX I would expect a delay related to this, but I would also expect due diligence and expedite responses from banks about this issue. The Sender XXXX XXXX has replied back to messages and request for information though ON-LINE security messages, but the receptor TD Bank miscommunication and delayed response is adding unnecessary delay on this investigation. I request XXXX XXXX to notify the recipient of this wire transfer delay, but they replied is under the TD bank compliance option to notify their customers. I contacted TD Bank customer service and ask them to notify the recipient beneficiary of the delay of this wire transfer. Even I did not request any information or details, they refuse to notify its customer about this transfer delay. TD Bank stated is following Privacy and security measures, but I did not request any information, just ask to notify its customer about this transfer delay Please note I have replied back to TD Bank with details requested by TD Bank, and they reply back three or four days after, and asking for more information. I believe they should request all required information at once, and not taking two or three days for each response. I also believe should have the courtesy to notify the wire transfer recipient about such delays, and expedite responses and request for updates from the sender bank. The original wire transfer was initiated on XX/XX/2019, and today XX/XX/2019 I am still in the " limbo '' about the status of this wire transfer. Sender : XXXX XXXX Acc # XXXX From XXXX XXXX Amount : {$1000.00} Date : XX/XX/2019 Recipient : XXXX XXXX XXXX XXXX ACC # XXXX Bank Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Company Response: Closed with explanation

Timely Response

2019-02-06

Sebring, FL

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I received a loan through TD Bank for my business. The loan is backed by XXXX. When we did our business plan we asked for {$50000.00}. They only allowed us {$25000.00}. when we finally received the loan, which took forever, renovated the building and then applied for XXXX two common license us. From XXXX, when we got the loan until XXXX XXXX did not come out. XXXX took 5 months to give us our license. it only takes 45 days to become licensed. XXXX fired the lady who did this to us but, we are still in a bad situation. We ask the bank to increase our loan and work out a repayment with us. But they refuse to connect with us. speaking to other lenders, they said that this Bank did I said end justice anyway. Now we are requesting for more funds and to work out a different payment arrangement. We have now become behind on our rent by {$3300.00}. TD Bank should be made responsible for answering consumers questions and making sure that they are knowledgeable of what they're doing. The reason it took so long for us to get our loan is because they kept telling us we were approved and then telling us that they need additional paperwork. My loan officer kept saying she didn't know what she was doing. I feel like they shouldn't have new people in that position if they don't know how to do the job
Company Response: Closed with explanation

Timely Response