TD BANK US HOLDING COMPANY

2018-11-23

Washington, DC

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-11-21

Bargaintown, NJ

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

2018-11-21

Ft Lauderdale, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: They had made Two Frauds Transaction in my Td bank account, when I called Td bank to disputes all the transactions, after 7 days I called them and they said that they have nothing to do with it because those transactions were made properly. ( 1 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl ( 2 ) For {$99.00} on XX/XX/2018 at XXXX XXXX XXXX Fl. Td bank knows exactly what's going on with my account. They give away people info so they could have Fraud going on. I don't know anything about Those Two Transactions. I want them to reimburse all my money back to my account. Thank You
Company Response: Closed with monetary relief

Timely Response

2018-11-21

Ocala, FL

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2018-11-21

San Francisco, CA

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

2018-11-21

Avondale, MD

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-11-20

Boca Raton, FL

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

2018-11-20

Amesbury, MA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2018-11-20

Rockaway Beach, NY

Fraud or scam

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

Complaint: I transfer {$1200.00} from my TD Bank account to another TD Bank account user. And was told my money would be returned to my account by the person I sent the money to due to not being able to receive my item of purchase. I also sent over documents regarding this conversation to support my statement. I was scammed out of {$1200.00} and TD Bank did nothing to help me get it back
Company Response: Closed with explanation

Timely Response

2018-11-20

Cold Spring, MA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: I believe XXXX XXXX XXXX and XXXX XXXX XXXX two fugitives that I reported multiple XXXX are calling TD bank making false claims tha I'm a XXXX XXXX asking TD Bank and other company to place hold on my account which Did not authorize please investigate this matter
Company Response: Closed with explanation

Timely Response

2018-11-20

Lake Ronkonkoma, NY

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-11-20

Cold Spring, MA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: following up this complaint # XXXX I also believe that the lady in the apartment above me might be ordering things and i'm being charged for them my account balance is always low or has the wrong amount in it. My apartment has be broken in multiple times i believe this the reason she always ordering from XXXX all my packages i accept no neighbor ever
Company Response: Closed with explanation

Timely Response

2018-11-20

Brooklyn, NY

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account information incorrect
Complaint: XXXX reported my account late wrongfully on XXXX. They removed it and put it on XXXX then removed it and now they put it on XXXX. Every time they say they will fix the problem they then add it to a different credit bureau.
Company Response: Closed with explanation

Timely Response

2018-11-20

E Setauket, NY

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response

2018-11-20

Howell, NJ

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

2018-11-19

San Anselmo, CA

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with monetary relief

Timely Response

2018-11-19

Brentwood, TN

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I lost the credit card for XXXX. as soon as I noticed that my card was missing I called the creditor : XXXX. I live now in Tennessee for 2 years. my card was used in Tennessee and was used in Florida. I reported this to the creditor and they just told me I was responsible for this. I kept calling them and they did not want to help me. All these charges were fraud. I could not lie or try to hurt my credit this way. I am really upset about this matter. I am a hard worker I don't intend to commit fraud or lie to anyone. Please help me. I can not pay for a debt that is not mine.
Company Response: Closed with explanation

Timely Response

2018-11-19

Audubon, PA

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

2018-11-19

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I am the victim of identity theft. My TD Bank ATM/Debit card was stolen and used for unauthorized transactions on XX/XX/XXXX. I did not authorize any debit or ATM transactions on this date, and I did not authorize anyone else to use my ATM/Debit card in any way. This was a new ATM/Debit card that never arrived to my address. I wrote a letter as a follow up to my initial call to TD Bank Customer Service on XX/XX/XXXX, where I reported the card as stolen and disputed the unauthorized transactions over the phone within 48 hours of those transactions. I also placed follow up calls to TD Bank Customer Service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check on the investigation and inquire about the provisional credit, which pursuant to the Electronic Fund Transfer Act should have been credited to my account within 10 business days of my oral notice on XX/XX/XXXX, and is still yet to be credited. Pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. I requested that they investigate any unauthorized transactions involving this card, including but not limited to the following : XX/XX/XXXX DEBIT CARD XXXX DDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$10.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$640.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX POS DDA PURCHASE XXXX XXXX XXXX STORE XXXX XXXX XXXX XXXX NY - {$500.00} XX/XX/XXXX ATM DDA WITHDRAW XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX {$750.00} TD Bank is in violation of the Electronic Fund Transfer Act which requires the provisional credit post to my account within 10 business days of my dispute. TD Bank requested that I file a police report, I did so on XX/XX/XXXX and also filed an Identity Theft report with the FTC. TD Bank is denying my dispute based on the debit card being activated by someone with the last 4 digits of my social security number. However, I never received the debit card, I never authorized anyone to use the debit card, I never activated the debit card. I followed all of TD Bank 's guidelines and suggestions for reporting the unauthorized use of my account, and also followed all FTC, EFTA, and police guidelines for reporting the fraudulent use of my account and identity theft. Pursuant to the EFTA, I am appealing for TD Bank to restore funds totaling {$2400.00} that have been withdrawn from my account, to notify me in writing of the results of their investigation, and to please send me written confirmation that the funds have been restored.
Company Response: Closed with monetary relief

Timely Response

2018-11-18

Wallington, 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
Complaint: I ordered windows and installation for my house with XXXX company on XX/XX/2018. The window is a special order. ( measured of my windows ). I was told the windows would be delivered on XX/XX/2018. However, I was notified that the windows would be delayed till XX/XX/2018 and installation is no time to be scheduled. I contacted XXXX XXXX on XX/XX/2018 and was advised that I had a choice to pay windows ( material ) at the signing contract, and then pay the installation fee when the windows are being installed. I told XXXX that I was not advised nor offered such option. Since, my windows ' delivery date is not certain and I wanted to have the installation refunded. XXXX XXXX XXXX XXXX executive office told me initially that I could get refunded of installation fee on XX/XX/2018. On XX/XX/2018, she told me that I couldn't get refund. I contacted TD Bank which issued my credit card to dispute {$3000.00} of the supposed installation fee which have never been provided. A representative of TD Bank told me that it would take 90 days to investigate the dispute while I have to pay the money for the service which I did not receive. I am forced to pay TD bank for the charges of service I did not receive. TD Bank is supposed to protect consumers ' rights. It has failed me in that it did not take my dispute seriously nor offer conditional credit for the amount of money I disputed.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-18

Keyport, WA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XX/XX/XXXX I began a small account with XXXX XXXX XXXX for our wedding rings. The account started off with us owing approx 1500.00. It was a 12 month interest free plan with the interest rate after the 12 months showing 28.99 %. Unfortunately we were not able to pay the bill off within the 12 months, but came very close and after our two XX/XX/XXXX payments cleared we only owed XXXX left. XX/XX/XXXX XXXX XXXX XXXX sent a letter that XXXX XXXX XXXX was ending their partnership with TD Retail Card Services and according to their letter " TD Bank will continue to send you monthly statements in accordance with your cardholder agreement. '' Tonight I open my statement from TD and they state that my interest on the remaining XXXX balance is XXXX, so I now owe nearly double at XXXX. I understand there will be interest, but obviously 28.99 % of XXXX is not anywhere close to XXXX. They more than doubled what I owe in interest rates in one month.I can not believe it! I tried several times to get through on their 800 # and nobody answers.They want you to print and mail in a dispute form, but if my interest is doubling what I owe every month there is no way I can wait for a letter to arrive and them to take the time to investigate my dispute.
Company Response: Closed with monetary relief

Timely Response

2018-11-16

AZ

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: I was notified by the police that I am a victim of identity theft, so I requested a credit report. I see several items on my report that do not match my personal information. One of which is a card that was opened in XX/XX/2017, Nordstrom/XXXX XXXX XXXX. The Credit limit is {$300.00}. It has never been paid late or missed payment, but I do not have this card and never have. Address ID # XXXX There is no phone number available, so I am unable to contact Nordstrom.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-16

Other features, terms, or problems

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

Other problem
Company Response: Closed with monetary relief

Timely Response

2018-11-16

NV

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: On XX/XX/2018 my GAP insurance overpaid my loan with TD Auto Finance ( US ). My GAP insurance sent an amount of {$2700.00} to pay off a balance of {$1300.00} leaving an overage of {$1400.00} in which has never been sent to me almost 90 DAYS LATER. My avenues of communication with TD have failed at every turn. I have spoken with representatives numerous times on both the phone and on their secure message center. If you are willing to wait upwards of 2 hours on hold in order to speak with a real human being, you will be told the check will be in the mailbox in 2-3 business days, however, weeks later its still not here. On TD`s message center online, I have been told the issue was sent to their credit resolutions department, but that was months ago. Since then I have only received a copied and pasted message to tell me to call the customer service department. As stated above I am placed on hold for hours to be falsely told the check will be sent.
Company Response: Closed with explanation

Timely Response

2018-11-16

Indian River Shores, FL

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response