TD BANK US HOLDING COMPANY

2018-11-16

Orion Twp, MI

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 am the victim of Identity Theft. I notified my local police agency and my Credit Card, Nordstrom Signature VISA of the unauthorized charges. have complied with all of Nordstrom 's request, completed and supplied them with an Affidavit of Fraud. Nordstrom Card Services, without even contacting me has arbitrarily and capriciously not credited my account for unauthorized transactions, has adversely effected my Credit Worthiness as they have reported to the three Credit Reporting Agencies, XXXX, XXXX, and XXXX, I have used my card in an amount over the Credit Limit, where in fact I have not and the balance they are reporting is because of the unauthorized transactions.I have attempted to pay Nordstroms in fact what they are owed as an appropriate minimum payment on what charges were mine, have requested on multiple occasions they provide me with a true and accurate statement. They have not and I have no idea what amount I actually owe for a minimum payment as Nordstrom Card Services has not told me. Further, as part of the Nordstrom Card Services I am entitled to Nordstrom Reward Points, my account reflects that I have reward points but Nordstrom Card Services has refused to allow me to use them. Nordstrom is in violation of State and Federal Consumer Protection Laws and State Law of Defamation.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-16

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: XXXX : XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, USA I have been trying to resolve the balance on my account for several months. I live in XXXX and acquired the account to use when I visit the U.S. The problem originated by received billing ( no online payment option for XXXX ), very close ( or at the due date ). Even if remittance was paid the same day, it did not seem to be applied to the account on time, by the due date. I consulted with my bank ( XXXX XXXX XXXX XXXX ), and was informed the best option to remit payments was to send a money order in U.S. Funds by XXXX, or other same day service. I did so not once, but twice to eliminate the balance owing. This method has not resulted in credits being applied to my account in a timely manner. As an example : I sent a money orderXX/XX/XXXX by priority mail same day service, and it was not applied to my account until XX/XX/XXXX, after the due date for the next statement cycle. The charges on my account are not for purchases but for interest, and arrears. I no longer use the account. On the last payment I noted final payment - account closed, but I am still receiving bills and the charges keep accumulating. It is a vicious circle. I even visited a XXXX in the U.S.last summer to pay the amount in full but was told since there were penalties on the account, I could not pay in the store. I have also called XXXX and explained the situation on numerous occasions but to no avail. I contacted the Government of XXXX Ombudsman and they directed me to your Office.
Company Response: Closed with monetary relief

Timely Response

2018-11-16

NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/XXXX at XXXX XXXX 2 fraudulent charges were made thru my checking account. One was made in XXXX California for about {$15.00} and the other in XXXX XXXX New Jersey at a XXXX for {$80.00}. I was in neither place at that time nor have I ever visited those places in my life. When I saw the charges the next day I immediately called Td customer service line reported the charges and filed a fraud complaint. I went to TD bank in XXXX NJ to get a new card I closed my savings account and withdrew majority of my money from my checking but could not close the account because of the pending claim. 10 days later I got a letter in the mail saying they did not find it to be fraud because the charges were made via pin number and with in my area. those finding are impossible as I could not of been in cali and NJ at the same time on the same day and NO ONE HAD MY CARD OR PIN NUMBER. I opened another claim this time I got police report and brought it to the bank to show it was made and being processed. They have again denied the claim for the same reasons. Unfortunately TD bank had no direct line to the department and no one to speak to. Today I reopened the claim for a 3rd time in hopes they will overturn their ridiculous decisions. I would not go through all this trouble and switch all my banking information and autobill pay that is routed to this bank if fraud did not occur. No one has my pin or card. I have never been to either location and I most certainly would not travel to XXXX XXXX at XXXX XXXX to purchase XXXX bucks worth of product when I could go to a XXXX around my home. I will even go as far as getting surveillance from that XXXX of the night and time in question to prove I was never there making that purchase.
Company Response: Closed with monetary relief

Timely Response

2018-11-15

Red Bank, NJ

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with non-monetary relief

Timely Response

2018-11-15

Maclean, VA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2018-11-15

Brighton, CO

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-11-15

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-11-15

CT

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: XX/XX/XXXX - I walked into the XXXX, Connecticut TD Bank and applied for a home equity loan. I then uploaded requested documents. I was told that it typically takes 30-45 days but no more than 60 days, or XX/XX/XXXX, to receive funds. XX/XX/XXXX - I received communication from XXXX XXXX informing me that I was credit approved. XX/XX/XXXX - There was a minor issue and I needed to resend my paystubs and XXXX. XXXX sent an e-mail on this date saying " I have received the paystubs and XXXX. '' XX/XX/XXXX - I uploaded the escrow analysis for XXXX XXXX XXXX. XX/XX/XXXX - After making several phone calls and sending numerous e-mails that were not acknowledged or responded to, I finally received an e-mail from XXXX saying, " The underwriter has advised that we need the following : last two pay stubs, XXXX and XXXX XXXX ( Please see note on XX/XX/XXXX saying these were already received ), signed XXXX and XXXX Federal tax Returns ( I can understand needing this but wonder why it took so long to ask ), XXXX XXXX-provide current tax bill showing church has ownership in property ( being a non-profit, religious organization the church does not pay taxes ). Within 2 hours I resent the first three items and asked for advice on the XXXX XXXX property. XX/XX/XXXX - Being concerned that I was being asked for information I already uploaded and not hearing back from XXXX, I emailed her manager XXXX XXXX. I communicated my concerns and lack of response, and asked him to advise me regarding the XXXX XXXX property and provide me with a timeline regarding when I could expect an acceptance or denial letter, letter of commitment, and have the funds released. XXXX has yet to respond. XX/XX/XXXX - I talked on the phone with my local TD Bank office. They apologized and informed me they would get me an answer within 24 hours. XX/XX/XXXX - I visited my local TD Bank and talked with the branch manager, XXXX XXXX. She informed me that my case was assigned to a new case officer. Unfortunately, the new case officer was on vacation and would not be returning until the next day. XX/XX/XXXX - As I had not heard anything by XXXX in the afternoon, I visited XXXX XXXX office again. She made several phone calls and assured me I would hear from someone before the end of the day. at XXXX I received an e-mail from XXXX XXXX informing me that my information had still not been sent the underwriter and asking me for the escrow analysis for XXXX XXXX XXXX ( see note on XX/XX/XXXX which when I had already sent that information ), a signed copy of my XXXX and XXXX Federal Tax Return ( see note on XXXX XXXX which is when I sent that information ), and the tax bill or mortgage statement for XXXX XXXX ( The church wholly owns XXXX XXXX so there is no mortgage information. Please also refer to my note of XX/XX/XXXX and XX/XX/XXXX where I ask for advice ). XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were all CC 'd on this and subsequent e-mails. I responded within 30 minutes sending attachments of the documents requested and again asking for advice regarding XXXX XXXX XXXX offering to have the officers of the church sign a document saying they own it and I do not. I also repeated my request for a timeline on when I could expect an Approval or denial letter, letter of commitment, and funds released. XX/XX/XXXX - I visited XXXX XXXX office. While there XXXX called at XXXX. I put her on speaker phone so XXXX could also hear and witness the conversation. XXXX said she had still not been able to look through the file or send it to the underwriter. She further informed us that it could take an additional 30-40 days if everything seemed clear. Later that evening she called to say she did review the file and would send it to the underwriter.
Company Response: Closed with explanation

Timely Response

2018-11-15

Key Biscayne, FL

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: This is my second case ( first case : XXXX ). TD failed providing a resolution to the previous case I opened. They are unable to justify the remaining balance and on top of that they added late fees and additional charges of XXXX cents daily. Not only TD never sent a bill for the remaining balance, they never told me anything about it during my calls with their customer service. My last payment was of {$1900.00} and was the exact amount they told me it was remaining on my car loan after I made previous payments to pay my car quicker. After that {$1900.00} amount was paid they told me they were going to send the car title but never sent it. I have called several times after that but they never mentioned anything about a remaining balance. I even tried to access my online account but I was unable to login, and when I called to see why I was unable to login they told me it was because mu account was closed because my car was already paid off. TD needs to send me my car title as soon as possible. After months of me requesting my car title they send through CFPB a supposed letter they sent me in XX/XX/2018, and one letter on XX/XX/2018, the, letters that have never made it to my house and I only received them because I filed a complaint through CFPB. Because of their irresponsible customer service, account mismanagement and blatant miscommunication I am unable to get my vehicles title for over seven months now and it seems they have sent my account to collections. TD cant explain where the remaining account comes from, and theyre adding fees on top of it adding insult to injury. They attached documents to the previous case that dont show where that remaining balance comes from even after their Customer Service specified my car was already paid off. They also need to listen to the phone calls from customer service when I contacted them all the times I called where they confirmed my car was already paid off. TD needs to fix this problem urgently and eliminate or erase the supposed remaining balance because there is none existing since my car was paid off as confirmed by the several phone calls I made ( requesting the car title ) and their various phone representatives that spoke to me, and the zero balance on my account when the las payment of {$1900.00} was sent.
Company Response: Closed with explanation

Timely Response

2018-11-15

Syracuse, NY

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
Company Response: Closed with explanation

Timely Response

2018-11-15

Warrenton, VA

Fees or interest

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

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-11-14

Barry University, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-11-14

ME

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: TD Bank paid out {$420.00} when there was no money in my account. This cause on overdraft to the account. I finally got a settlement check for {$11000.00} to deposit, so I contact TD to confirm that there would be no issues with me depositing the money. I was told by customer service that as long as the check was brought in and deposited by Monday, XX/XX/XXXX there would be no problems. When I went to the branch on Sunday XX/XX/XXXX to deposit the check I re addressed the concern. I was told not to worry, that the account was good and no further action would be taken on the account now that the deposit check of {$11000.00} was there. I discovered on XX/XX/XXXX that my account was closed and after a full day of trying to figure out what was going on, I was informed that they closed the account, and after they did finally get the deposit cleared they would hold my funds until they di some sort of " investigation '' on the funds, after which they would cut me a check and mail it. I was then called and told that I could come in to get the check if I so chose to. But it would be held as a " cash item '' by the bank until they did this supposed " investigation ''. This money represents everything I had financially. Due to this situation they have created I will loose my home and my car because now I have no money at all to make any payments.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-14

Manhattan, NY

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-11-14

Fort Pierce, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I opened a checking account with TD Bank in XX/XX/2018. I was told for the first 90 days my deposits would likely get a hold placed on them, including my paycheck. I was okay with this and understood. However, it's been well after 90 days and my paycheck gets a hold placed on it continuously. I get paid bi-weekly, generally the same amount, and I'm told by the tellers that the funds should be available the next business day. In my experience with banks, usually the funds are available Saturday if you deposit Friday, however this has not been the case except for one time. Since opening my account, my paycheck has not cleared as expected except for one time. This causes me to have to visit a branch, I've been to multiple locations and spoke to managers at 3 separate branches. I'm told these holds are dynamic, and that they can release my funds manually but can't give me a reason why it's happening. I've been assured it will be handled, but it still has not. I'm afraid to deposit my check into my account because sometimes the hold lasts 3-4 full business days, almost a full week from the deposit date. I have automatic bill payments going through, as most people do these days, and it will cause overdrafts, which I have to spend more time in the branch getting refunded.I keep being told the " back office '' needs to fix the problem, however consumers can't actually speak to anyone there. I went into the branch in XXXX, FL today, and spoke to XXXX ( XX/XX/18 ). He said he saw notes on my account relating to the problem I describe, but couldn't provide any details or updates. I just don't think I can deposit my paycheck again with TD Bank, it's becoming such a burden and inconvenience.
Company Response: Closed with explanation

Timely Response

2018-11-14

Jupiter, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX client, XXXX XXXX is a victim of identity theft. He was notified by XXXX XXXX of a fraudulent application submitted with his information without his consent. An inquiry was generated into his XXXX credit report XX/XX/2018 related to the fraudulent application.a formal dispute of that information was mailed certified with return receipt to XXXX XXXX XX/XX/2018. As of this date XXXX XXXX has failed to reply to the outcome of the investigation, this activity is a violation of the FCRA and my clients federal consumer rights. In addition to the fraudulent XXXX XXXX attempt ; the fraudster was successful in establishing a phone account with XXXX ; that account fell into collections with XXXX XXXX. A formal dispute was provided to them XX/XX/2018 concerning this issue of fraud and as of this date no reply concerning the investigation has been received, this is a violation of FDCPA, FCRA and my clients consumer rights.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-14

Incorrect information on your report

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

Information belongs to someone else
Complaint: I never been wit this company XXXX on XX/XX/XXXX or never heard of this place before .. U got the wrong person please take off my credit .. Ive never had anything to do wit this ... Ur charging me for something i never aplied for or gave u no permission to charge me never heard of this company
Company Response: Closed with explanation

Timely Response

2018-11-14

Alexandria, VA

Attempts to collect debt not owed

Debt collection: Credit card debt

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/2015 Amount : {$740.00}
Company Response: Closed with non-monetary relief

Timely Response

2018-11-14

Danbury, CT

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Inquired about opening a checking account with XXXX XXXX, went in person to the closest branch to me, XXXX, CT branch, officially opened a Simple Account XX/XX/2018, account # XXXX. Communicated with XXXX XXXX, Financial Services Representative, over the phone, re : online transactions, cleared checks info, etc. learning this banks processes. On XX/XX/2018, received a call from someone from TD, did not obtain this persons name, advising me TD has closed my checking account, effective in 30 days. TD would send me closing check. Information regarding this account was provided to me incrementally, their way of blindsiding a new customer, such a typical agenda with all these banks. DECEPTIVE practices, Federal Bureaus terminology. Will follow up to get a confirmation that this, in fact, is TRUE, and not FRAUD, etc. I informed this XXXX that TD would be on a 1-3 month trial with me, having mega issues with banks these days. They want to be assured that their customer will go into debt, taking out loans, collections, messing with senior citizens accounts. Same scenario across the board with all these banks. Frankly would NOT trust or have CONFIDENCE in any of their representatives with any of their advice. Pretty XXXX how these banks function. Add this to my file with CFPB. These banks want to have CONTROL of the customers money and can MESS with their accounts, so apparent with XXXX XXXX, now in a {$140.00} million class action case, particularly preying on SENIOR CITIZENS. Many of these employees, if they are employees, are busy, nosy busy bodies, maybe a snitch for someone or XXXX knows what, not a comfortable relationship when doing banking.
Company Response: Closed with explanation

Timely Response

2018-11-13

Hollywood, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2018-11-13

Whittier, CA

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-11-13

Brooklyn, NY

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2018-11-13

Hollywood, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-11-13

Bertram, IA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: I normally pay and monitor my account online. The last 2 months I have been unable to log on and it has been incredibly difficult to navigate their customer service system to get a live person to help me, when all I'm trying to do is pay my bill and check my balance. Last month they had to force a log in, in order for me to log in and it worked, but I was unable to log in a second time or since then. this month I have tried to reach someone to help me with this issue but keep getting routed to bots that are unhelpful. this issue has created an undue burden against me that has made it harder to make my payment on time, affecting my credit score.
Company Response: Closed with explanation

Timely Response

2018-11-13

Bakersfield, 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 XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXXXXXX 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