TD BANK US HOLDING COMPANY

2018-12-03

Greer, SC

Struggling to pay your bill

Credit card or prepaid card: Store credit card

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with non-monetary relief

Timely Response

2018-12-03

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

2018-12-03

Edison, NJ

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2018-12-02

San Angelo, TX

Attempts to collect debt not owed

Debt collection: Auto debt

Debt was paid
Complaint: In XXXX I was contacted by XXXX XXXX XXXX, a collection agency representing TD Auto finance, regarding a debt owed. After several conversations with a representative at XXXX I was able to come to resolution that would satisfy the debt in full. On XX/XX/XXXX I paid the agreed upon amount of {$5000.00} and received correspondence from XXXX indicating the debt had been satisfied however TD Auto finance is still actively collecting on this debt. I have attempted to contact TD Auto finance but I am being referred back to XXXX as two entities can not collect on the same debt. XXXX is unable to assist me as they show the debt as paid in full. I am requesting relief/assistance from the CFPB as I no longer owe this debt.
Company Response: Closed with explanation

Timely Response

2018-12-01

San Gabriel, CA

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 has been non-compliant with removing the unverified account TD AUTO FINANCE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that TD AUTO FINANCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-12-01

San Gabriel, CA

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 has been non-compliant with removing the unverified account TD AUTO FINANCE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that TD AUTO FINANCE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-12-01

Havana, FL

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: Roughly XXXX or XXXX years ago, I purchased a furniture set through a company that I financed. During the life of that loan, it was sold to another organization, XXXX XXXX XXXX XXXX. Automatic payments were set up for the loan, with the understanding that the final payment would be in XX/XX/2018. In XX/XX/XXXX, my remaining balance was {$37.00}. The monthly payments up until that point were {$32.00}. It was communicated beforehand that the final payment would be slightly more. However, the company 's payment system, through which my bank account was automatically debited each month did not process the last payment because the scheduled withdrawal amount of {$32.00} was not sufficient to cover the remaining balance of {$37.00} ; or at least that is the understanding I gained from my conversation with the company. At no point in our communications was this functionality limitation of their system communicated to me. In my initial agreement with the organization, and I assume ownership of that agreement was transferred but still binding, I agreed to pay the final amount of {$37.00}. Because I had a remaining balance, I began accruing a {$1.00} finance charge each month. Afterwards, the minimum payment due was set to {$2.00} and the system began debiting my account again. This meant that each month, I would pay the company a {$1.00} fee and only {$1.00} would go to my principal balance, potentially extending the loan an additional XXXX months. Since I run on a budget and {$2.00} is immaterial, I did not notice until XXXX months later. Yes, the total impact is not significant. This cost me {$6.00}, and if it went unnoticed, would have cost me {$37.00}, barring any other fees ( which are probable ) that I am unaware of. However, their customer base for this function of their enterprise is comprised of mostly low income people, i imagine. Those typically have to finance purchases of this nature due to their inability to expend amounts of a few thousand in a single instance. If this practice is done to all customers, the company is reaping a massive profit in what I feel is a very unethical, and predatory manner. These are the items that give me the impression that this practice is intentional and hopefully in violation of some form of regulation or ethical standard : 1. ) The payment schedule was agreed to in the initial contract. The final balance was communicated to me within that schedule. When the automatic payments were agreed to, it was not communicated to me nor was there any indication that the final payment would not also be automatically withdrawn. In fact, though I have not yet located the initial paperwork, I am certain that the language used to describe the service stated that the minimum payment due would be withdrawn, and am willing to research further if this complaint requires additional information. Continuing, if the minimum payment due was {$37.00} on the payment schedule, why was it not also {$37.00} in the system? 2. ) The structure of the payment system indicates that this process is intentional. As discussed, the system refused to process the final payment altogether because it was not sufficient to cover the remaining balance. External to the fact that it was implied the automatic withdrawal would adjust in the final month, the system did not apply the {$32.00} amount to the balance, either. By not applying the {$32.00} and instead refusing to process any contribution to the account in this instance or set of circumstances indicates, to me at least, that this is not a functionality limitation of their software, but rather an intentional design choice. An intentional design choice that increases the life of a loan by potentially a significant amount of time, should it go unnoticed by the consumer. 3. ) In further support of the intentional nature and possible predatory practice of the system, consider the ensuing payments after XX/XX/XXXX - in XX/XX/XXXX, the system was programmed not to pay the {$37.00} remaining balance ( that was scheduled in the agreement ) due to the automatic withdrawal amount being set to only {$32.00}. However, once the balance was unpaid, and finance charges began accruing, the automatic withdrawal amount was adjusted to {$2.00}, without my consultation or authorization. The system then began applying a {$1.00} finance charge each month and only contributing {$1.00} to my balance. At this point, though the automatic payment amount was less than the remaining balance as was the case in XX/XX/XXXX when the system rejected the automatic payment, the automatic payments were able to be processed again.Due to the discrepancy in withdrawal practices, significant reduction in automatic withdrawal amount which would conveniently extend the length of the loan and allow them to accrue additional finance charges, the small amount of the new automatic withdrawal after the " delinquency '' has occurred ( which seems designed to slip through consumers ' notice due to the immateriality of the amount, as happened to me ), I feel this is a predatory practice.
Company Response: Closed with monetary relief

Timely Response

2018-11-30

Canton, MI

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 has been non-compliant with removing the unverified account NORDSTROM/TD BANK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NORDSTROM/TD BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with explanation

Timely Response

2018-11-30

Hillsdale, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Late or other fees
Company Response: Closed with explanation

Timely Response

2018-11-30

Phila, PA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Banking errors
Company Response: Closed with explanation

Timely Response

2018-11-30

Alexandria, VA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-11-30

Foy, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-11-30

District Heights, MD

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2018-11-30

Wallington, NJ

Opening an account

Checking or savings account: Checking account

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

Timely Response

2018-11-30

Canton, MI

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 has been non-compliant with removing the unverified account TD BANK USA/XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that TD BANK USA/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-29

Boynton Beach, FL

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2018-11-29

Lewisville, TX

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: On XX/XX/18 a fraudulent credit card was obtained with TD Bank NA. The card is an individual credit card account with {$5000.00} credit line. The account number is XXXX with a billing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. The account has had charges of more than {$400.00} charged between XX/XX/XXXX to XX/XX/XXXX. I have reported this fraud to the TD Bank requesting they close the account and initiate a fraud investigation and dispute resolution. The investigation is ongoing. Separately on XX/XX/18 a fraudulent credit inquiry was made by XXXX XXXX XXXX and it's unclear what accounts were established based upon this probe. I have left VM contact with XXXX, but have not received return communications from them. This issue is currently unresolved and no investigation or remedy is in the works.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-29

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: 1. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 2. There was inquires from XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 3. There was inquires from XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 4. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 5. There was inquires from XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 6. There was 3 inquires from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 7. There was inquires from XXXX XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 8. There was inquires from TD Auto Finance on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 9. There was inquires from TD bank N.A on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/XXXX and I authorized this myself! Tried reaching out but got no help 10. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 11. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 12. There was inquires from XXXX on XX/XX/XXXX, and XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 13. There was inquires from XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/XXXX and I authorized this myself! Tried reaching out but got no help 14. There was inquires from XXXX XXXX XXXX, XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 15. There was inquires from XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 16. There was inquires from XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 17. There was inquires from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 18. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 19. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 20. There was inquires from XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 21. There was inquires from TD Bank USA/XXXX XXXX on XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help 22. There was inquires from XXXX XXXX XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/XXXX and I authorized this myself! Tried reaching out but got no help Please help me sought these inquiries out I didnt do them!
Company Response: Closed with explanation

Timely Response

2018-11-29

Washington, DC

Improper use of your report

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

Reporting company used your report improperly
Complaint: There was inquires from TD Auto Finance on XX/XX/2017 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Company Response: Closed with explanation

Timely Response

2018-11-29

Washington, DC

Improper use of your report

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

Reporting company used your report improperly
Complaint: There was inquires from TD Bank USA/XXXX XXXX on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Company Response: Closed with explanation

Timely Response

2018-11-29

Briggs, OH

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with non-monetary relief

Timely Response

2018-11-29

Jupiter, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I found an old check for {$10.00}, I deposited the check via mobile device. Apparently I had entered the check for deposit, months earlier.I did go through my account, researched the {$10.00}. I never saw the {$10.00} in any historical statements. TD bank reversed the deposit, they never explained why it was reversed. I assume I possibly had done a mobile deposit for the {$10.00} at a date, not on my statement. TD bank charged me {$35.00} for depositing the check.THIS IS OUTRAGEOUS! I need my {$35.00} back in my account ASAP. Feel free to publish the complaint, without my name.
Company Response: Closed with monetary relief

Timely Response

2018-11-29

Fred, VA

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-11-29

Ft Lauderdale, FL

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Complaint: TD Bank has sent me a debt collection letter notifying me my account is overdrawn. The account is overdrawn due to TD Bank maintenance fees NOT due to my error. The account was drawn down to XXXX in XXXX and now I am being charged for an account that should be closed. I have written to TD in XXXX Maine with NO response to my inquiry. I would like this account closed and the fees waived.
Company Response: Closed with monetary relief

Timely Response

2018-11-29

North Hollywood, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : NORDSTROM/TD BANK Account Number : XXXX Date : XX/XX/2017 Amount : {$1300.00}
Company Response: Closed with non-monetary relief

Timely Response