TD BANK US HOLDING COMPANY

2019-01-07

Maricamp, FL

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

2019-01-07

Jacksonville, FL

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2019-01-07

Phila, PA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-01-05

East Rockaway, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I had XXXX dollars taken out of my account over 2 days. I did not complete these transactions. I did not have my card on me. It was either taken or lost. I filed multiple reports with the bank on XX/XX/18, XX/XX/18, and XX/XX/18. These were denied. I filed a police report on XX/XX/18. I was told there was insufficient evidence to prove I did not withdraw the money out myself. I asked them several times to check the ATM cameras to see that it wasnt me completing the transactions. I filed 2 complaints with the XXXX XXXX XXXX and finally got a response from the bank. After tge first complaint I was told by the bank that a male was seen on camera making the transactions. I am not nor have I ever been male. But I was told it was someone familiar to me and that the claim was being denied. They did not show me pictures of the male in question so I have no idea who it could be. I am being told over and over again that I am responsible for transactions I did not approve or complete. I don't know what else to do.
Company Response: Closed with explanation

Timely Response

2019-01-04

Augusta, GA

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 monetary relief

Timely Response

2019-01-04

Madison Park, WA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2019-01-04

South Florida, FL

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2019-01-04

NY

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX and XXXX credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s ) obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX credit bureau : XXXX, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. TD Bank, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.
Company Response: Closed with non-monetary relief

Timely Response

2019-01-04

Camden, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Late or other fees
Complaint: I am required to have {$100.00} in my TD checking account in order to avoid being charged a {$14.00} maintenance fee. On XX/XX/XXXX my account went down to {$38.00} due to a transfer of funds. On XX/XX/XXXX, I transferred {$70.00} to the checking account to put the balance over the {$100.00} threshold. After this transfer, TD Bank charged me a {$14.00} maintenance fee for the previous month which, again, brought my balance below {$100.00}. I subsequently added {$1600.00} the account on XX/XX/XXXX. On XX/XX/XXXX I transferred funds from this checking account to another bank, leaving a balance of {$100.00}. On XX/XX/XXXX I was charged another {$14.00} maintenance fee which brought my account balance to {$86.00}. I spoke with a representative at TD Bank on XX/XX/XXXX and explained that the reason my account dropped below {$100.00} in XXXX is because they took the fee out after I made a deposit and never notified me that they were charging me a fee or when it would be charged. I simply wanted the {$14.00} maintenance fee from XX/XX/XXXX refunded, since the bank is the one that took money out of the account to bring it below the {$100.00} threshold. I was told the maintenance fee can't be refunded and they can only refund over draft fees. In addition, I was told that I would be charged another {$14.00} fee in XX/XX/XXXX because the {$14.00} fee that was taken out on XX/XX/XXXX brought my account balance below the {$100.00} threshold again. I feel this is unfair and deceptive. If TD Bank would have notified me that a few was coming, I would have simply left an additional {$14.00} in the account back in XXXX in order to stay over the {$100.00} threshold. Instead, they chose to keep me in the dark about the fee. This resulted in them causing my account to go below {$100.00} on 3 separate occasions instead of just once. Unfortunately, I will now be held responsible for paying TD Bank {$42.00} worth of fees ( {$14.00} XX/XX/XXXX, {$14.00} XX/XX/XXXX and {$14.00} XX/XX/XXXX ) instead of them just notifying me of a pending {$14.00} fee. I feel these maintenance fees are designed to prey on customers and create a snowball effect bank charges. Why did the original maintenance fee of {$14.00} on XX/XX/XXXX get processed after I made a deposit instead of before I made the deposit? Why would TD Bank wait until the end of the day to process {$14.00} maintenance fee? Additionally, Why didn't anyone notify me that I was being charged a fee or that my account balance was under {$100.00} After 12+ years of doing business with TD Bank , it's a shame to realize that they are still predatory in some areas of their operations.
Company Response: Closed with monetary relief

Timely Response

2019-01-03

Baptist Corner, 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

2019-01-03

Cordova, TN

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: TD Card, XXXX continues to report old information on my credit report. It should have been deleted.
Company Response: Closed with explanation

Timely Response

2019-01-03

Ridgefield Park, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-01-03

San Jose, CA

Other features, terms, or problems

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

Other problem
Complaint: In XX/XX/2018 I closed all of my accounts with XXXX XXXX including my XXXX card with TD Bank. When the XXXX account was closed there was no balance on the account. Since the account is closed, I have no access to the account. TD Bank has not been sending me statements. On XX/XX/XXXX I received a letter from TD Bank indicating my credit card account was past due. I called the number on the letter and asked if the TD Bank account was closed and I was told the status is closed. After about half an hour I was connected to a supervisor. She indicated that a charge was made to the account on XX/XX/2018 in the amount of {$190.00}. A second charge was made to the account on XX/XX/2018 in the amount of {$24.00}. The supervisor said she would waive the late fee and interest but I was still responsible for the charges. She said that TD Bank was required to accept the charges because I had done business with these merchants in the past and they had the account information including the expiration date which I have on my records as XX/XX/2018. Neither of these merchants contacted me about an additional purchase. If they had I would have given them a current account number that is active if they were selling something that I wanted. I never authorized a charge on a closed account. Its my understanding that once an account is closed and has no balance, no additional transactions are permitted on the account. Is TD Bank permitted to accept charges on an account with no balance that I closed after the account expiration date just because someone has the account number and expiration date?
Company Response: Closed with monetary relief

Timely Response

2019-01-02

Belle Harbor, NY

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-01-02

Las Vegas, NV

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

2019-01-02

West Palm Bch, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-01-02

Fort Lauderdale, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-01-01

Parlin, NJ

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: XXXX card customer identification number XXXX statement closing date XX/XX/2018 shows a duplicate purchase charged to my account in error. Have tried to rectify with merchant with no success whatsoever. The purchase date is XX/XX/2018, the amount is {$15.00}, item was only purchased once!
Company Response: Closed with explanation

Timely Response

2018-12-31

Blackbird, DE

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Can't get monthly breakdown of interest vs. principal applied to the loan. Used to get that detail on their online banking site. They then " upgraded '' their online banking and this information is no longer available. Then had to call and request statements. They sent me one statement. Now they refuse to send me statements with this required information.
Company Response: Closed with explanation

Timely Response

2018-12-31

So Effingham, NH

Closing on a mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-12-30

SC

Credit monitoring or identity theft protection services

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

Didn't receive services that were advertised
Complaint: Im an XXXX XXXX owner and did received a fraudulent email which was pretend to be XXXX but what a scam. I did submit all information such as social security number, current address, maiden name date of birth, and full name. Also a credit card information, number and security number, although I did contact my bank and block credit card.
Company Response: Closed with explanation

Timely Response

2018-12-29

Charlotte, NC

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: {$200.00} that I deposited when opening my account was either lost or stolen by XXXX XXXX XXXX, perhaps through money laundering. The supervisor was shockingly unable to even track or see the {$200.00} that was debited. There appears to be rampant fraud or shocking incompetence at TD Bank for they to have lost {$200.00} or cover up the theft of {$200.00}.
Company Response: Closed with explanation

Timely Response

2018-12-29

Three Bridges, NJ

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Account opening promotional bonus not credited within 95 days as stated in the terms.
Company Response: Closed with explanation

Timely Response

2018-12-29

Three Bridges, NJ

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: The promotional opening account bonus has not been credited in a timely fashion.
Company Response: Closed with explanation

Timely Response

2018-12-29

San Gabriel, CA

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Complaint: XXXX/TD Account Type : Credit Card Account Verified : XXXX Hight Balance:XXXX I payment on time, and payfull Balance, Why closing my account! No notification
Company Response: Closed with explanation

Timely Response