TD BANK US HOLDING COMPANY

2019-01-28

West Brandywine, PA

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 non-monetary relief

Timely Response

2019-01-28

Boston, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-01-28

VA

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
Complaint: On XX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX treadmill from XXXX XXXX. The charges included delivery and assembly. I financed the transaction with TD Bank, XXXX XXXX XXXX. The assemblers destroyed the treadmill. It is non-working with broken pieces and loose pieces, which I found in various areas of the room after the assemblers left. I reported the issue to XXXX XXXX returns department. They said they would have it picked up but I have heard nothing since. When I call back to check the status of pick up, they can't give me an ETA and tell me to keep waiting. The average hold time to reach the merchant is 2 hours, so it is very difficult to call everyday. I have however spoken to them 4 times in XXXX. In the meantime, I received a statement from TD Bank, XXXX XXXX XXXX with a payment due. I tried to make a dispute for these charges since the merchandise is broken, damaged and non-working. The phone number to make a dispute refers me to a website. The website does not have an option to dispute. I called customer service for this credit account, who advised me that I must make payments. The merchandise is damaged. The merchant will not pick it up. The merchant will not communicate on a pick up date and TD Bank/ XXXX XXXX XXXX says I must make payments on this non-working, damaged item.
Company Response: Closed with monetary relief

Timely Response

2019-01-27

Conyers, GA

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
Company Response: Closed with explanation

Timely Response

2019-01-27

Brooklyn, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am writing to file a complaint against XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX , XXXX ( XXXX ) My wife and I have a 15 year mortgage with TD Bank since XX/XX/XXXX. For less complex mortgage payments and lower costs, we chose to purchase our property insurance independently without the use of an escrow account. Beginning in the fall of XX/XX/XXXX after the annual XX/XX/XXXX renewal of our insurance policy, there has been a growing pattern of harassment by TD Bank to not accept or lose the submissions of the proof of our insurance while threatening to force place escrow-based insurance on our property. Every fall, we and our insurance agency, XXXX XXXX XXXX XXXX, must submit the insurance policy multiple times while TD Bank continues to mail first and second warnings of no insurance coverage and threats to force place insurance. This fall, the harassment was so blatant that I could only suspect that there were other motivations at work. I initially thought nothing of it when the banks administrative address for the mortgage moved from XXXX, Maine to XXXX, Ohio. When my insurance agency demanded to have confirmation of reception from TD Bank on XX/XX/XXXX, the emailed confirmation came from a XXXX email address. When, on XX/XX/XXXX, I received an escrow analysis dated XX/XX/XXXX, a full six business days after proof of reception of our insurance, I began investigating what could be causing this. This is when I now discovered a troubling relationship and is the basis of this complaint. XXXX XXXX , XXXX . has outsourced their mortgage administration to a company called XXXX XXXX XXXX XXXX , XXXX The outsourcing of this administration is not problematic. That this third party not only performs mortgage administration but also serves as an insurance company for escrow-based insurance is extremely problematic. This also appears to explain the growing pattern of harassment by TD Bank / XXXX to continually lose submitted proof of insurance by independently insured mortgagees. The recent move of the administrative address from XXXX, ME to XXXX, OH, the same city as XXXX indicates that XXXX now has full rein of the process with no supervision. If I were elderly or timid, the path of least resistance would be to submit to escrow-based insurance at more than three times the price. It appears that only after I began filing complaints with regulatory bodies and contacting my lawyer that the force placed insurance was vacated the following day. I strongly feel that consumers are being hurt and taken advantage of by this egregious conflict of interest. In the fall of XX/XX/XXXX, I fully expect this harassment to recommence. This practice is becoming tiresome and is transparently corrupt. This conflict of interest needs to be investigated and stopped and those clients who have been coerced into more expensive escrow-based insurance placed by XXXX need to be compensated. It was only through the confirmation email coming from a XXXX domain email address that I was able to discover the presence of this third party company that TD Banks clients are unaware of and the motivations for this behavior. During a phone call with my lawyer to XXXX XXXX XXXX XXXX , XXXX personnel, they only admitted to not be TD Bank personnel under duress and sounded quite uneasy with the admission. When further questioned about the insurance aspect of their company, they became even more uneasy and obviously wished to conclude the phone call quickly. I include copies of information of my situation. I ask that you please investigate this relationship and put a stop to this practice. Thank you for your help. Former Administrative Address : XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX, ME XXXX Current Administrative Address : TD Bank Its Successor and/or Assigns As Their Interests May Appear XXXX XXXX XXXX XXXX, OH XXXX Address of XXXX : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2019-01-26

Bigmount, PA

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

2019-01-25

Ft Lauderdale, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with non-monetary relief

Timely Response

2019-01-25

Phila, PA

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 explanation

Timely Response

2019-01-25

Kawaihae, HI

Fees or interest

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

Problem with fees
Complaint: I have an account with TD Bank, they lower the credit ampount because of your non and slow monitoring of falsified information on crdit report. due non compliance of the law by creditor 's report say {$1500.00} was spent but amount onreport is lees and doesnt reflect this. In additon to this they have charged me and not in compliance to law and are attempting to loan shark, if this continues I will be force to close all accounts because their dishonesty.
Company Response: Closed with explanation

Timely Response

2019-01-25

Jersey City, NJ

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I placed a dispute for a charge I did not authorize at all for {$130.00} which caused my account to go into the negative. The bank had the audacity to not even contact me to say it was denied which is crazy. I was given the run around by a representative and a manager. I had it up to here with TD Bank.
Company Response: Closed with explanation

Timely Response

2019-01-25

Boston, MA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-01-25

Juniper Hills, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This company has been reporting unverified and inaccurate information about me to the credit bureaus. I have formally requested a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay them the alleged amount and they have failed to provide such verification ( As per FTC opinion letter from Attorney XXXX XXXX XXXX, they have been made aware that a printout of a bill or itemized document does not constitute verification ). In addition, I have formally disputed this derogatory account with this company and they have failed to place the required " notice of dispute '' disclosure within the required 30-day period and did not furnish the credit bureaus with the required disclosure, within the period required by law. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period and I am now considering small claims action against them for their violations as well as for defamation and negligent enablement of identity fraud.
Company Response: Closed with explanation

Timely Response

2019-01-25

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-01-25

Newark, NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: There was fraudulent activity on my account on XX/XX/XXXX. Unauthorized checks came through my account that I didn't write nor did I authorize anyone to write. ( Hence since Ive had the account Ive never written a check or ordered checks ) After 30 business days I have not gotten any correspondence or information on the status of the investigation. I was told initially I would be contacted in 10 business days. To date I've called, went to the branch on several occasions and to no avail no one seemed to have an answer on the progress of the investigation. I called today XX/XX/XXXX and spoke with a TD representative, she gave me the name and the phone number to the agent that was handling my case ( XXXX XXXX ), however the number happened to be disconnected. I am aware that after 10 business days if there is no resolution on the investigation than a provisional credit will be issued. I spoke to a TD rep on XX/XX/XXXX and was told that was not the case. At this point I am very frustrated ; this has been a financial hardship and a great inconvenience. I need my money to be returned and my account to be cleared.
Company Response: Closed with monetary relief

Timely Response

2019-01-25

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/XXXX i used XXXX to purchase a item from a women name XXXX XXXX i sent two transactions one trans for {$100.00} and one for {$100.00} The item that was sent to me was not the item i was suppose to receive the seller stopped contacting me I reached out to XXXX for a refund via email first and they told me my case was being reviewed after a week i called them and they would not honor because i didnt have a account with them i was just sent a invoice from them and told me i should dispute with my bank i was provided a provisional credit which was removed on XX/XX/19 when in fact i didnt not receive the correct item i didnt benefit from this sale i lost out on {$200.00} dollars and i need my money back
Company Response: Closed with explanation

Timely Response

2019-01-24

White Plains, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-01-24

Billerica, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/2019 I walked into TD bank in XXXX XXXX to withdraw my money that was deposited and cleared long ago. XXXX the Manager refused to give me my money because she said it was to big of an amount. She the. Said she could give me a couple of hundred dollars however I needed much more to pay my rent. She told me because she could not verify me even though I had my liscense that she wouldnt give me my own money.
Company Response: Closed with explanation

Timely Response

2019-01-24

N Tarrytown, NY

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2019-01-24

FL

Getting a credit card

Credit card or prepaid card: Store credit card

Application denied
Complaint: I have spoken to several members of management regarding my Nordstrom Visa application. Because of my fraud Alert they requested of me twice my DL, SS Card, And Utility Bill with my name and address on it. I get one member of Credit willing to help me get approved and I believe that I am being definitely being treated unfairly. My credit score and documents match up why do they keep declining me.
Company Response: Closed with explanation

Timely Response

2019-01-24

Alden Manor, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-01-24

Rehoboth Bch, DE

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/XXXX, I submitted a request to have a stop ALL placed on a payment from XXXX XXXX XXXX in the amount of {$150.00}. This payment was presented to my account on XX/XX/XXXX and was not credited back to the account until almost the end of the day on XX/XX/XXXX. Because of this unexpected delay, I incurred an overdraft fee due to a previous bill I had set up being sent through on XX/XX/XXXX. The overdraft was submitted to my account on XX/XX/XXXX. I submitted a request through the online messaging system to request to have the overdraft refunded due to the delay in TD bank returning this payment to me that was from the original stop all. The first person who responded was completely incompetent and took more than the 24hour notice I was told it would take to respond. They did not even acknowledge the right stop payment and referred to a payment from XXXX in the amount of {$300.00} from XX/XX/XXXX. Not even the right year. They said no stop payment was placed and immediately denied the refund for the overdraft. I immediately responded back correcting them of this and requesting to have this fee overturned. Again, I was told that this was not TD banks fault despite the delay. I then responded again and next representative tells me that the matter had been resolved over the phone. This is completely untrue. I spoke with a TD bank Representative by phone for a totally separate matter. Yes it was related to XXXX XXXX but it did not involve this overdraft fee. I responded back once again and was told that my account was not eligible for an overdraft fee refund. This is despite this being TD 's fault for significantly delaying when this payment would be credited back to me. Furthermore, I do not understand why if I am putting in a stop payment for something, why I am punished when that initial debit comes from the account. This makes no sense to me. I wish to be refunded the {$35.00} for this matter.
Company Response: Closed with monetary relief

Timely Response

2019-01-24

Succasunna, NJ

Incorrect information on your report

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

Company Response: Closed with explanation

Timely Response

2019-01-23

E Stroudsburg, PA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-01-23

Lake City, WA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-01-23

Colts Neck, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response