TD BANK US HOLDING COMPANY

2019-01-16

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2019-01-16

NJ

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Seized or attempted to seize your property
Complaint: A credit card recovery firm obtained a Levy at the county level in NJ, and seized all of my savings in a joint savings account for an old credit card debt that my wife had before I met her WITHOUT ever notifying either of us, The money was simply withdrawn from my joint savings account without ANY prior knowledge, no opportunity to dispute the charges or negotiate payment terms whatsoever. I was never notified of a hearing or a judgement. This while my wife and I were actively paying down her debts and already improved her credit enough for her to finance a new car. The county gave this creditor preferential treatment and simply allowed them to take all of our savings. Be aware, your money is safer in your sock drawer than in any FDIC insured savings account.
Company Response: Closed with monetary relief

Timely Response

2019-01-16

Coral Springs, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2019-01-16

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2019-01-16

Gr, MI

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

2019-01-16

Flushing, NY

Incorrect information on your report

Checking or savings account: Checking account

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-01-16

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with non-monetary relief

Timely Response

2019-01-15

Port Richey, FL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2019-01-15

Allenwood, NJ

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/2018, I was on vacation in XXXX XXXX XXXX XXXX, XXXX XXXX charged my debit/ credit card {$540.00}, I did not authorize the charge.The casino was supposed to give me the money in cash that they charged my card, but they did not. They didn't give me a dime. They also lied about how much they charged. I gave permission for them to charge {$500.00} in exchange for the money in cash, but they didn't give it to me. It wasn't till I checked my bank account on the mobile app that I saw they charged even more. I contacted my bank ( TD Bank ) immediately, minutes after the casino charged my card. I told the bank not to allow the transaction go through. They told me it was instant so I would need to file a dispute. I filed that on XX/XX/XXXX or XX/XX/XXXX. They then sent me paperwork to file a report with in depth details. I submitted that on XX/XX/XXXX. I assumed everything was taken care of because I hadn't heard back. However on XX/XX/2018, someone form the disputes department called me to tell me they needed even more proof, this time from the casino saying they did not give me my money. I have contacted the resort/ casino several times, but they have been no help and have stated they are not associated with the casino. However the name of the resort is on the receipt I was given, and they gave me vouchers to check out the casino when I checked into the resort. Since this incident happened I have read numerous reviews on the internet about the casino charging other peoples credit cards and not giving them the money. I have even spoken to a few of these other victims. The " casino '' is a complete scam. TD Bank said they need proof from the casino directly that they never gave me my money, but knowing that would be them admitting fraud they will not give me anything. As my bank I expect TD to protect me and my money. They have had me jumping through hoops for absolutely nothing and enabling this scam to continue.
Company Response: Closed with monetary relief

Timely Response

2019-01-15

Lexington, SC

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with monetary relief

Timely Response

2019-01-15

Amity Harbor, NY

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2019-01-14

West Newfield, ME

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-01-14

Chestnut, NJ

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

2019-01-14

Brandon, FL

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Closed with explanation

Timely Response

2019-01-14

Jupiter, FL

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: I want to have prove I open those bank account I wrote XXXX and call the bank no one seen to help me, please help me, I have seem bank information on my XXXX report that I have no knowledge of it.
Company Response: Closed with explanation

Timely Response

2019-01-14

South Gate, CA

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

2019-01-13

Morristown, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXX/XX/XXXX CFPB Closed Accounts Dispute RE : TD Bank checking account : XXXX To Whom It May Concern : On Tuesday XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX I was on the phone with TD Bank Customer Service Department at ( XXXX ) XXXX. During my conversation with the Customer Service Representative ( CSR ), I was never told that my account was in danger of being closed. She told me the opposite, and we even spoke about future plans for the account. I even was asked to enroll in TD Banks account voice recognition program, and I did this with the CSR. My account had gone negative in XX/XX/XXXX. While on the phone with the CSR, I transferred {$250.00}. form my minor daughters ( XXXX XXXX ) linked TD Bank account ( XXXX ) into my TD Bank account ( XXXX ). The CSR waived {$100.00}. in fees, thus, bringing the account to a positive balance of {$9.00}. I again was, NEVER informing my account was going to be closed, and the CSR, told me that the account was fine, and that the issues were resolved ( listen to your tapes ). Much to my surprise, TD Bank closed my account the next day, XXXX XXXX XXXX, for being a delinquent account. I have been told a lot of different stories from various TD Banks CSR, but they all had the same response that there was nothing they could do, and the account will remain closed. Basically, what TD Bank did ( as I have been told ) is that the CSR had no authority to restore the account, even though she told me the account was fine and would NOT be closed. Since the account was coded for collection when the computer run / updates were done at night on XX/XX/XXXX, the account was closed, even though I paid it in full at XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX balance - {$340.00} TD bank credit from CSR ( XX/XX/XXXX ) {$100.00} Transfer from XXXX into XXXX {$250.00} Actual balance ( XX/XX/XXXX) + {$9.00} ( Therefore account should NEVER have been closed ) My complaint is that TD Bank illegally / should not have closed my account since it was paid to a positive balance on XX/XX/XXXX, prior to the cancelation date of XX/XX/XXXX. It also took several months and phone calls for TD Bank to finally return the {$9.00} credit that was in my account. Unless I contacted TD Bank, they were going to keep the {$9.00}. It was finally returned in XX/XX/XXXX, after I sent a complaint to TD Bank. The other part of my complaint is that TD Bank, knowingly processed checks and payment, to only then rescinded them and charge me additional overdraft fees. Abuse of fees. Please review and contact me with any questions. Sincerely, XXXX XXXX ( XXXX ) XXXX CC : New Jersey Department of Banking
Company Response: Closed with explanation

Timely Response

2019-01-13

Las Vegas, NV

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2019-01-13

Nyc, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: The TD Bank, NA in less than 48 hrs.debited my checking account that I have with them 3 times for the amount of {$35.00}, brought a total of {$100.00} as of overdraft fee even I do have a saving account ( with enough balance ) linked to that one. This is not the first time I have to write to you regarding the same matter, but in the past as well, and I do not know why the TD Bank does the same practice regularly no matter how people like me have to make ends meet the budget. This is my first step trying to solve this reality and I hope to be the last resort and not have to go further.
Company Response: Closed with monetary relief

Timely Response

2019-01-13

Broad Channel, NY

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: XXXX states that they do not have an account for me, when they do, I am attaching reporting from XXXX XXXX, from XXXX. XXXX sent me a letter asking for copies of my social security card and driver 's license. XXXX had a major security breach recently, so I am not comfortable sending them copies of my identification, when they already have all my info as demonstrated by them reporting monthly on me. TD Bank claims they are not the ones reporting and it is not their account, however, the negative report is under XXXX XXXX and the address is the same address as TD retail card services. I have attached their XXXX page as proof.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-12

Maxwell Afb, AL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I noticed my credit report is showing a account from XXXX that does not belong to me I never did business with XXXX never opened no account with them or anything. My identity was stolen and access to all of my information was compromised as well as a individual changing my security questions to gain access to my information. We found out that someone was stealing mail out of my mailing address mailbox. The address has mail coming from XXXX address to me but I never opened an account with XXXX so I never opened any of that mail.
Company Response: Closed with explanation

Timely Response

2019-01-11

East Orange, NJ

Unauthorized transactions or other transaction problem

Money transfer, virtual currency, or money service: Mobile or digital wallet

Company Response: Closed with explanation

Timely Response

2019-01-11

Chantilly, VA

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2019-01-11

Plymouth, CT

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-01-11

Arizona City, AZ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response