TD BANK US HOLDING COMPANY

2018-12-11

Jupiter, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-12-11

Flushing, NY

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-12-11

Washington, DC

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
Complaint: XXXX : TD Auto Fina XXXX I did not authorize this.
Company Response: Closed with explanation

Timely Response

2018-12-11

N Valley Stream, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-12-11

Stamford, CT

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2018-12-11

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-12-11

Great Neck, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: My checking account was accessed fraudulently and thousands of dollars of unauthorized withdrawals were taken from my account not once but twice. TD Bank was informed of the first episode of theft and allowed it to happen again, six days later. How does TD Bank allow unauthorized withdrawals from an ATM of over {$2000.00} per day when the limit of an ATM withdrawal is set at {$500.00}. TD Bank was neglectful in not locking the account once they were alerted to the initial fraud activity on the account. I suspect an inside job as TD bank seems to have no systems in place to protect the consumer from fraud. I have been a TD Bank customer for over 10 years with TD Bank, live at the same address but yet TD Bank systems allowed someone to request a debit card to be sent to a different address and withdraw monies from my account. I received no alert as to the request of an ATM card, nor any inquiry as to whether I had changed my address. Also, to allow fraud to occur twice after being informed their whole Fraud department is a sham.
Company Response: Closed with explanation

Timely Response

2018-12-11

N Haven, CT

Fraud or scam

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

Complaint: I was scammed by a person who said they would move into the apartment. They sent in a fraudulent check of XXXX and asked to be sent XXXX which was excess of the security deposit as a moving fee. I got a money order from TD bank ( XXXX ) And deposited to said persons account at XXXX XXXX on Friday XX/XX/XXXX. The original check has now bounced ( placing my TD bank account in negative ) and I am trying to get the sent money back and the criminal persecuted. The bank account the lost funds ( {$1600.00} ) were placed into was : XXXX XXXX Routing : XXXX Account Number : XXXX Swift code : XXXX I have all the receipts to support this. The money deposit transaction number into the scammers account was : # XXXX XXXX at XXXXXXXX XX/XX/10 at XXXX XXXX branch # XXXX XXXX XXXX XXXX , CT My bank ( TD ) has refused to cancel the money order and XXXX XXXX have not been helpful as well I have opened a case with the XXXX XXXX Police ( case number XXXX XXXX )
Company Response: Closed with explanation

Timely Response

2018-12-11

So Effingham, NH

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: On XX/XX/18, someone was able to hack into my computer through remote access, getting through our firewall and passwords and install ransom ware on the network. We now know they were on my computer prior to this date. On a Tuesday XX/XX/18 I noticed and reported a fraudulent check for XXXX was sent via Bill-pay out of my account to a person ( XXXX ) in XXXX, FL. The check was endorsed and deposited on Friday XX/XX/18 into an account at XXXX XXXX in Florida. I never used the Bill-pay service or set it up, but the on-line criminal was able to set all of this up. On the same day XX/XX/18, a second fraudulent check for XXXX was issued by TD Bank to the same individual who received it and endorsed it on XX/XX/18. This 2nd check was overdrawn on the account by {$10000.00}, since the 1st check cashed on the XXXX, yet TD still sent out this second check. It was presented at XXXX XXXX and was not cashed as the account was locked on XX/XX/18 after the fraud activity was reported. The fact that this check was written and sent when there was insufficient funds in the account is one of many issues that does not make any sense. I learned that this on-line thief set up a new profile within the bank as me. Then they linked a couple of my accounts to this new profile. Absolutely no security was in place that could allow this to happen. I never received any notifications that I was changing user name or passwords. No notifications of setting up Bill-pay service or a new Payee. Never received notifications for anything. The issue was reported to the local police, Detective XXXX of XXXX Police. When this was discovered and reported, bank personnel explained the process of reporting the fraud and it can take 10 days to get you money returned. On XX/XX/18 I was told that this will take up to 90 days and that I would hopefully get back any money still left in the account in Florida. I was told to sit and be patient. Today I received a call and learned that I was only going to get back XXXX of the XXXX stolen. This is totally unacceptable to me. This is a real lot of money that I borrowed from TD and still paying interest on today. TD Bank was negligent in protecting my money. A cyber intruder was allowed to setup a new profile, link my bank accounts on the phone or online? From experience, I would be required to go to a branch, provide my license, just to start the conversations. Changing Profile and password is a big deal anywhere in today 's world. After five weeks, I am given nothing that would indicate that they TD followed proper security procedures and protocol. TD Fraud was notified on XX/XX/18 and did not contact XXXX XXXX for weeks. I do not know the exact date but it took way too long when pursuing issues where time is of the essence. A more reasonable reaction may have recovered all of the money.
Company Response: Closed with explanation

Timely Response

2018-12-11

East Amwell, NJ

Managing an account

Checking or savings account: Savings account

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

Timely Response

2018-12-10

Vernon, VT

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-12-10

Bronx, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-12-10

Garden Grove, 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

2018-12-10

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: After multiple disputes, TD Bank has continued to report invalidated account information to the three credit bureaus without proper validation per the FDCPA and the FCRA. There has been no proof of a signed contract with my signature on it or any documents stating that I agreed to pay TD Bank.
Company Response: Closed with explanation

Timely Response

2018-12-10

Ardmore, MD

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-12-10

Newark, NJ

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-12-09

Somers Point, NJ

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: I have a Bank account with TD Bank and have been loyal to them for many yrs. Back in XX/XX/2018 I had opened a joint account for my wife and was offered a promotion cash card from TD where it would give XXXX cash back whether it be towards statements or rewards along with an XXXX XXXX XXXX. Promotion only applies if card is used at 500 or more within a 90 day window given the promo period. I had asked the rep during our sitdown if this would apply towards balance transfers as I had transferred a balance of 5000 over and she explained it would. After waiting a few months, I had called into TD customer service and explained i have not received my rewards and the rep on the phone explained there was a wait after the 90 days to receive the XXXX XXXX in the mail. I don't recall the specific detail as far as the time frame on the delivery but the there was a window period referenced during conversation. A few more months go by and still have not recevied any reward as promised and asked one of the tellers in the XXXX branch during a visit and explained it would have to be redeemed online. Being upset already, I went online to tdcardservices and did not see anywhere that I could redeem my reward and called in XX/XX/2018 and spoke to the card rewards dept. I explained the situation to the rep on the phone and she had apologized for the inconvience and explained she would speak to a manager in reference to the rewards promo. After a few moments, the same rep explained that the balance transfer does not apply towards the promotion and I would have to speak to the branch manager to help me in this situation. Being very upset at this point that the representative on the phone was unable to help me and giving me the run around and not offered the promotion as promised, I am very upset at this point and filed a complaint and to the point where I may close my account with TD bank account. I do not want to see someone lose a job over a situation like this but if you are providing false information intentionally and not being upfront honest simply for a commission spiff, then that is a company I would not like to do business with.
Company Response: Closed with monetary relief

Timely Response

2018-12-09

Bohemia, 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 XXXX XXXX I opened a VISA credit card with TD Bank as part of a promotion. The promotion involved receiving {$25.00} dollars in credit after making a purchase. After using the card to purchase approximately {$300.00} in the first month, I received a billing statement that did not include a {$25.00} credit. I called TD Bank customer service on or about XX/XX/2018 and they directed us to visit the local branch for assistance in receiving the credit. The banker at the branch tried to correct any errors and assured us the credit would be coming in the next statement. The XXXX statement came and no credit was issued. I called customer service again on or about XX/XX/XXXX, and they told me that they would issue a credit in 5 business days. I checked my account on XX/XX/XXXX and the credit was still not issued. I called customer service on XX/XX/XXXX and they have still not been able to resolve the problem.
Company Response: Closed with monetary relief

Timely Response

2018-12-09

Norwalk, 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
Complaint: I had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX/XXXX XX/XX/2017
Company Response: Closed with non-monetary relief

Timely Response

2018-12-08

Hack, 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

2018-12-07

Ardsley, PA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2018-12-07

Brooklyn, NY

Fraud or scam

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

Complaint: XX/XX/XXXX - {$350.00} deposit sent via XXXX ( TD Bank to XXXX XXXX to XXXX ) to XXXX XXXX in exchange for XXXX puppy to be sent from Texas to New York. XX/XX/XXXX - {$500.00} balance sent via XXXX ( TD Bank to XXXX XXXX to XXXX ) to XXXX XXXX XX/XX/XXXX - Received email from XXXX asking to send {$1000.00} cash in order to send the puppy in the correct size crate because the breeder 's was too large. This would be a return rental feeI that would be returned upon the receipt of the puppy and the return of the crate. I did not feel comfortable as not only was this not in my contract, but a legitimate breeder should know what size crate they need and on top of that the email was completely grammatically incorrect and used the same verbiage as the breeder. Suspecting a scam, I advised the breeder to take care of it as it is his business and this was not in my contract. He said he did not have the money which was another red flag, as an adult and a business owner you should have {$1000.00} cash or furthermore, why does it need to specifically be in cash? I immediately asked for my money back. The breeder pleaded with me not to cancel and I started getting calls from XXXX who were clearly no such company as they barely spoke english and had no business etiquette. They did not even understand when I asked to speak to a manager. I even called the XXXX XXXX XXXX XXXX International Airport asking if there really was a dog sitting in a crate and there was not. I found the real XXXX in XXXX and forwarded them the email asking if it had any affiliation which it did not and they agreed it sounded like a pet scam. After much back and forth, XXXX was shut down and I knew I had been scammed. XX/XX/XXXX I went to TD Bank asking to fill out a fraud complaint. They denied me and said there was nothing they could do. I knew that did not make sense as if the money had just disappeared or if it was a credit card they would have to do something. XX/XX/XXXX Reported an Internet Crime Complaint & also reported it to the XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Filled out a police report with above information XX/XX/XXXX I went to a different TD Bank branch and they were very upset that the other branch did absolutely nothing to assist me. They helped me properly fill out a claim and advised it could take months and to check in after XXXX if I didn't hear from them first with further questioning. The report did not let you include much info, so they advised that when I received a call I could add information such as the police report that is vital to this whole claim. XX/XX/XXXX I called TD to check on my claim and add all the important information such as the police report, Internet Crime Complaint, and XXXX XXXX XXXX XXXX XXXX XXXX complaint. They said the case was already denied and closed on the XXXX. They claim a letter was sent but I have received XXXX communication from them. They advised I was misinformed in the branch that this could take months and I would be contacted, they said they've never heard of that and all cases are resolved within 7-10 business days.
Company Response: Closed with explanation

Timely Response

2018-12-07

Cordova, TN

Incorrect information on your report

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

Information belongs to someone else
Complaint: All inquires are from XX/XX/2018 and are fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-12-07

San Bruno, 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

2018-12-07

Waco, TX

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: I was contacted by a representative representing Nordstrom Card Services back in XX/XX/2018. After advising her of my hardship, she recommended that I enroll in their re-aging program which allowed me to pay 3 monthly payments and then once competed successfully the account would be re-aged and brought back to good standing. I completed the program in XX/XX/XXXX. The account has yet to be re-aged and is still reporting negatively to the credit bureaus. Ive reached out at least 4 times to have this resolved. Spoke to someone twice who stated they would send the account back to a supervisor to have it re-aged. They advised it would take two weeks. Its been 30+ days and it is still in the same status. Ive attempted to call back again ; however, I am only allowed to leave a voicemail for a company called XXXX XXXX. Both representatives initially advised me to enroll in the program again as if I had never enrolled previously.
Company Response: Closed with non-monetary relief

Timely Response