TD BANK US HOLDING COMPANY

2018-12-24

New Rochelle, NY

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: On XX/XX/2018, I applied online for a TD Cash Visa credit card through an offer promising a bonus of XXXX points ( worth {$200.00} ) for spending {$500.00} within 90 days. My application was approved and I was issued a TD Cash Visa credit card. I made more than the required {$500.00} in purchases on the card within the first 90 days, and while I did receive a bonus, it was only XXXX points ( worth {$150.00} ) rather than the XXXX points ( worth {$200.00} ) specified in the bonus offer. I mailed TD Bank a letter about this on XX/XX/2018, but received no response.
Company Response: Closed with monetary relief

Timely Response

2018-12-22

Newberry, SC

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

2018-12-21

Elmwood Park, IL

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: When a payment is made to a XXXX Store credit card, it can take up to 15 days for the payment to reflect back as available on the account. Yet, the payment was withdrawn from the payment account immediately. This practice is not on the terms and conditions of the credit card account,.
Company Response: Closed with explanation

Timely Response

2018-12-21

Menifee, CA

Closing your account

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

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-12-21

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-12-21

Hamden, CT

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-12-21

Barry University, FL

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

2018-12-21

Beach Haven West, NJ

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

2018-12-20

Penn Hills, PA

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

2018-12-20

Arden, DE

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2018-12-20

Nyc, NY

Opening an account

Checking or savings account: Checking account

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

Timely Response

2018-12-20

Bristol, CT

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2018-12-19

Barry Square, CT

Other transaction problem

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

Company Response: Closed with explanation

Timely Response

2018-12-19

Altamonte Spg, FL

Opening an account

Checking or savings account: Checking account

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

Timely Response

2018-12-19

Queens, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Truthfully I didn't authorized Account with Nordstrom on XX/XX/2017. I filed report with FTC. However, Nordstrom wrote back that my account doesn't claim of fraud and such transaction was valid. However, I request them vital information like transaction date, location, and item purchase. Nordstrom stated they are unable to provide these information. They only can provide total amount of balance owe. This is an absolutely raised red flag of fraud to me. I believe Nordstrom mishandle protection of consumer rights to ask for details in order for me to file with a report with police station.
Company Response: Closed with non-monetary relief

Timely Response

2018-12-19

Fort Lauderdale, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-12-19

Cocoa, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On Saturday XX/XX/2018 I discovered my TD bank account was overdrawn by XXXX dollars. I discovered it was from an unauthorized TD discretionary overdraft program that I did not enroll in. I had called several months previously due to having overdraft charges and was told I would be unenrolled in program. I assumed any deficit in my account would result in payment being declined. I called my branch office and spoke to XXXX who explained to me that the feature was never turned off. I went into the office to sign form to turn off. I had my daughter make a XXXX transfer of XXXX dollars. I also transferred XXXX from my savings account. I reached out to customer service on XX/XX/XXXX because I was hit with more overdraft fees because they did not credit my XXXX transfer automatically as it has in all previous occasions. Customer service manager refused to credit my account because he did not have access to phone call that was made previously where I was assured feature would be turned off. My account is now {$190.00} still overdrawn. I am a XXXX adult that only receives XXXX and pension payments once a month. That is reason why I prefer to have my purchases declined and not to be provided payment for a cost of {$2.00} and be charged {$35.00}. Each day they charged me {$170.00} in overdrafts. Even when I made transfers to cure my default that was their fault for advising me that this feature was not on. They require you to sign a form to turn the feature off but I never signed anything to turn this feature on. I also was told by their customer service that I would not have this feature on when I called several months ago.
Company Response: Closed with monetary relief

Timely Response

2018-12-19

Eskridge, KS

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Didn't receive advertised or promotional terms
Company Response: Closed with monetary relief

Timely Response

2018-12-19

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

2018-12-18

Cherry Brook, MA

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

2018-12-18

NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Td bank allowed someone to access my account fraudulently via multiple phone calls and allowed them to initiate voice recognition changes. There were multiple transactions made without my knowledge that were clearly fraudulant and very untypical of the banking that had taken place over the last 20 years. Then a large fraudulent purchase was made in another country with these funds. Td bank failed muliple times to alert me of this unusual type of transaction
Company Response: Closed with non-monetary relief

Timely Response

2018-12-18

Manhattan, NY

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-12-17

Bronx, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: i saw a deposit in my mobile account that I didn't make and informed the bank of fraud the bank told me they would fix it and now i'm being charged for the fake check that was deposited, my account number was XXXX my name is XXXX XXXX XXXX address XXXX XXXX XXXX XXXX new york XXXX. the amount i'm being charged is XXXX.
Company Response: Closed with monetary relief

Timely Response

2018-12-17

Alpharetta, GA

Closing your account

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

Company closed your account
Company Response: Closed with non-monetary relief

Timely Response

2018-12-17

New Britain, CT

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response