TD BANK US HOLDING COMPANY

2018-11-12

Astoria, NY

Money was not available when promised

Money transfer, virtual currency, or money service: International money transfer

Complaint: Re : CFPB % XXXX I did send that information almost 3 weeks ago. I still dont get my money Because of that I have to come back to USA Because of that I lost my business Almost 2000 dollars expenses because of delayed Sent from my XXXX
Company Response: Closed with explanation

Timely Response

2018-11-12

Rochdale, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I made a purchase from Rayomour and Flanigan int he amount of {$10000.00} with {$0.00} interest for 72 month. at the 11 month I started getting interest rate, I called and I was informed that I need to go to the store where I purchased the furniture. I went there and spoke to Manger, which she was very rude and informed me that there is not such a thing of 72 month. Even the advertisement in the tv shows that interest free for 72 month. I called the sales rep that I bought the furniture and she doe not work with the company any longer. ( wonde why ) she even told me that the contract was for 72 month. When I told the manager that, well she does not work here anymore. She did not try to assist in any way, all she said is that I need to paid. I really felt that customer services is very poor, and the people who work there really do not care about the customers.
Company Response: Closed with monetary relief

Timely Response

2018-11-12

Charlottesville, VA

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: Account Identification Number XXXX - XXXX XXXX During some financial trouble, I made arrangements for a payment plan with XXXX. I made all of my payments as agreed. In XX/XX/2018, my automatic payments stopped coming out of my checking account. I called the customer service line to find out why and to make sure the payments were reinstated. I was told they were. The next month, the payments were still not coming out of my account so I called again. When I realized that the automatic payments were not set up again like I was told they were, I began making the payment online via the website. I was notified that the account was reported 90 days past due on my credit report. When I called to find out why the account had been transferred to a collection agency. They told me that I had been taken off the payment plan back in XXXX, but I was NEVER notified. I have made all the payments per our agreement on time. They have been reporting my account late as well as charging late fees to my account every month which have accumulated to over {$230.00}. My balance is {$500.00} - That is 1/2 my balance! I would be happy to pay the card off now, but do not feel that I should have to pay those late fees. I called customer service numerous times. I was told my account was being re-aged and the late fees were being removed, but then when I received nothing in the mail verifying that, I called back today only to find out that this is not happening and they are still reporting my account late.
Company Response: Closed with monetary relief

Timely Response

2018-11-11

Hemet, 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
Company Response: Closed with non-monetary relief

Timely Response

2018-11-11

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: XX/XX/2018 XXXX reported my account as delinquent for a mistake in the system regarding a typo of my bank checking account number. I was not aware of delinquency until it became late. I called XXXX and was guaranteed by representative that the account would be corrected and no negative information would show. I made a large payment of {$250.00} in an agreement to bring account current. I was told that my account was current and in good standings. I have never been late with any of my account and I have paid off three vehicle loans. My credit was perfect until XXXX went against our agreement, to remove all negative reporting, due to a computer error. My credit history shows that I am a worthy responsible customer with an impressive credit history .I have disputed the error with XXXX on two occasions, both times denied correction. I have disputed with XXXX three times, and each time XXXX completes the dispute within a few days. XXXX also does not delete the negative remarks, I find it difficult to believe that my dispute was handled correctly in a fair fashion. I submitted documents, that I believe were not reviewed, it seems like my dispute was handled by an automated system, that just denies the consumer AUTOMATICALLY. I asked for deletion of negative reporting with all three bureaus. I am reaching out for assistance as I believe I was treated unjustly and unfairly and basically lied to. Thank You
Company Response: Closed with explanation

Timely Response

2018-11-10

Chandler, AZ

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 non-monetary relief

Timely Response

2018-11-09

Almonesson, NJ

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

2018-11-09

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2018-11-09

College, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-11-08

Glenarden, MD

Managing an account

Checking or savings account: Savings account

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

Timely Response

2018-11-08

Ft Belvoir, VA

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Complaint: Nordstrom claims on my credit report that I have an amount unpaid on the card, however I paid this amount and have the receipt of me doing so. Their claim on my credit report of this incorrect amount has resulted in a major drop in my credit score.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-08

Bronx, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-11-08

Dayton, MN

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2018-11-07

Matthews, NC

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Closed with explanation

Timely Response

2018-11-07

Key Biscayne, FL

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: During the month of XX/XX/2018 I started seaching for a new house and was referred to TD bank by an employee I know. He specifically referred me to a loan officer. During the Month of XXXX I submitted an offer for the house I chose for $ XXXX which made qualify for a promotional rate of 4.5 % with 1/8 of a point, which I locked. A week and a half after, the appraisal came at $ XXXX. Since the offer was contigent on appraisal, I offered the owner $ XXXX, which he accepted. The loan officer mentioned that he might not be able to keep the same rate and the rate would be higher. However, the following day he stated he got an excetion to keep the original rate in order not to have to re do everything. Following that, I received the lock rate agreement with the same rate 4.5 % with 1/8 of a point for the new amount to be financed ( $ XXXX ) based on the new sale price of $ XXXX. During the month of XXXX, I received a new lock rate agreement for the $ XXXX with a higher rate of 4.875 with 3/8 of a point. I believed that was a mistake since the loan officer had stated he was able to get the original rate, so I did not sign it. Closing had been set for XX/XX/2018. On XX/XX/XXXX I received the Closing Discloure draft and it had the higher rate ( 4.875 with 3/8 of a point ). I inmediately raised the discrepancy to the loan officer and he said that he had not send the initial lock rate and asked me who had And I forwarded the informatikn to him. He then replied that the person was out of office and that he would check the next day. On Friday he said that bank would not change anything as that was the rate ( which was not the one I had signed ). On monday, XX/XX/XXXX I contacted him and his manager to request an escalation of this issue. Closing date came ( XX/XX/XXXX ) and I did not hear any update from any of them, and was left with no option than to sign/ close under duress as I did not want to lose the house and risk any additional financial burden. Two hours after closing, the loan officer called me and asked me if I would consider a rate change to 4.625 %. I replied via email stating that I did not think that was fair as it was a higher rate with 3/8 of a point which I paid at closing. I was told that the team were reviwing the issue. It was not until Monday, XX/XX/XXXX when the loan officer emailed me claiming that since I had agreed verbally ( which is inaccurate ) and viewed the second lock rate ( which I did not approve as it was not what the officer had mentioned ) the bank will not proceed with any changes and would only refund the appraisal cost and underwritter fee. To me that is not a fair outcome and I had no option but to state that if that was the final outcome of the investigation I have no option but to accept it. I also mentioned I did not feel it was fair as I am sure the investigation revealed many gaps in their internal processes which created the confusion and instead resolving them they are taking the easy and unfair resolution which is to penalize the end user
Company Response: Closed with explanation

Timely Response

2018-11-07

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I received a XXXX payment for a item i sold online the person send me the money i received item was shipped XXXX customer received and loved it a month later TD holds the funds as reclamation and its been pending in my account for almost 3 months now
Company Response: Closed with explanation

Timely Response

2018-11-07

Harrisville, NH

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX XXXX XXXX rejected my automatic electronic payment from my TD BANK Checking account. XXXX XXXX XXXX then reported my account as delinquent and as a late payment for the month of XX/XX/2018, and also for the month of XX/XX/2018 to various credit bureaus ( XXXX, XXXX, and XXXX ). I filed a complaint XXXX with the Consumer Financial Protection Bureau on XX/XX/2018. XXXX XXXX XXXX responded to complaint XXXX on XX/XX/2018. In their Response XXXX XXXX XXXX admits fault and states that they have issued corrections to the Credit Reporting Agencies. All 3 credit bureaus received corrected information on XX/XX/2018. I have attached a copy of this letter for your reference. On or about XX/XX/2018 XXXX XXXX XXXX did furnish to XXXX information that was, by their own admission, incorrect. A Dispute was submitted to XXXX that XXXX claims to have verified with XXXX XXXX XXXX that their reporting of a late payment for the month of XX/XX/2018 is Accurate. The very same information that XXXX XXXX XXXX in its response to the CFPB Complaint did state that they would remedy and update as a result of their error is now being reported to XXXX as accurate. XXXX XXXX XXXX has altered its records available to me as a consumer that does not reflect a rejected/error payment, however, reflects no payment at. I believe that this reporting is a willful violation of 15 U.S. Code 1681 ( The Fair Credit Reporting Act ), and it is my hope that the CFPB investigate it as such.
Company Response: Closed with non-monetary relief

Timely Response

2018-11-07

Orange, NJ

Closing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-11-07

Ridley Park, PA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I checked my bank account remotely on XX/XX/2018 and immediately reported 8 fraudulent charges to my account, and closed the card. I have no XXXX account and no relationship to the Fl Tag Go Renew DMV in Florida. One can observe two other non fraudulent charges that bracket these other charges, both occurring in Pennsylvania and being legitimately my purchases. On XX/XX/2018, I went into a TD Bank and filed a dispute, surrendering my debit card. On XX/XX/2018, I received a letter saying they denied my fraud claim dipute. I was under the impression that there are consumer protections, especially given that I reported the fraud almost immediately ( the same day ) and still had possession of my debit card. The bank representatives continue to tell me that because the merchant could verify the XXXX code and zipcode, that they have deemed the charges to have been mine. If the suspect stole this information online, of course they would also have all of this " verifying '' information.
Company Response: Closed with monetary relief

Timely Response

2018-11-07

Toms River, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-11-07

Belvedere, GA

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

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

Timely Response

2018-11-06

South Florida, FL

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: Around XX/XX/XXXX, I opened a TD Convenience checking account Online. I was abroad at the time. TD bank approved the account and mailed a debit card to my home address. After the account was opened, I signed up for online banking and was able to log into my online account for the first week. During the second week, I could no longer log into my account, so I called TD Bank to determine what the issue was. I was told by an agent that TD Bank wanted me to come into the branch to verify my identity. I explained to them, that I was not present in Florida, and would not be back in the States until later. I asked whether it if was possible to visit a TD branch in XXXX to verify myself, and was denied this request. At the time, this option was accessible for me. The agent told me he would place the account in a restricted mode until I returned to Florida. He never offered to close the account, and have me reopen it in person, at a later date. The agent explained to me that while the account was restricted, I would be unable to deposit funds nor withdraw funds. I had no immediate issue with this scenario, because the account had no funds in it at this time ( it had only been opened one week ). This week ( approximately three months later ), my relative in Florida who resides at my address received a TD bank statement informing me that there is now a {$16.00} fee levied against my account. This is a monthly service charge for not having the minimum required amount of funds in the account ( $ XXXXUSD ), and a paper statement fee. I called TD bank immediately ( around XXXX on XX/XX/XXXX ) and spoke to three agents over the course of an hour and five minutes. None of them were able to assist me, and gave me wildly conflicting information and advice. I told them I wanted to have the account formally closed for three reasons : 1. I will not be able to visit a TD branch until next year when I get back to the States. 2. Since XX/XX/XXXX when the account was frozen/restricted I can not make the opening deposit of {$100.00} in order to defray the monthly service charge that will be assessed each month, indefinitely. 3. A supervisor at TD bank told me that this deliquency could show up on my credit report and damage my XXXX credit score. Are these people XXXX? They have prevented me from depositing money in my newly opened account, and told me they will bill be XXXX each month until I fly back to the States, and these delinquencies will be reported to the bureaus?!?!? Amazing how my account is frozen from me making deposits/debits, but they can make two debits per months ( service fee and statement fee ). I am studying in XXXX until XX/XX/XXXX, and can not make a trip to verify myself in a TD branch until that time. Essentially TD bank is billing me monthly, for providing a service I can not use, nor access, nor which I have ever used. Their unethical intention is to bill me almost {$200.00} in fees until I return, and destroy my excellent credit in the process. I am flustered, ashamed, and will not be an agent to this chicanery. The agent I spoke to asked me three questions from my historical public records, and he was able to verify me on the phone. These were questions only I should know. So I fail to understand why, after verifying me, and receiving a clear message today that " I want the account closed, and no delinquencies reported to the credit bureaus '' TD bank did not honor my request, and kept giving me the run-around for more than an hour. What a waste of time. I offered to step into a branch in XXXX from the beginning was denied. Today they verified me over the phone also, but did not accede to my request either. This is madness. If I need to recourse to law, I will be forced to.
Company Response: Closed with monetary relief

Timely Response

2018-11-06

Lenzburg, IL

Closing your account

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

Company closed your account
Complaint: I have had a XXXX XXXX XXXX since XX/XX/XXXX. Recently a collection company called me to collect payment for this card in XX/XX/XXXX for about {$150.00} ( a {$47.00} charge plus late fees is my understanding ). Not knowing if the call was legitimate, I contacted XXXX directly where the automated card system showed a balance of about {$150.00} and asked for a payment, which I made in full over the phone through the automated system. I called the collection company back and informed them I had paid the balance through XXXX. A few weeks later I tried to use my card and the transaction was declined. Upon calling XXXX XXXX XXXX to inquire each Customer Service representative put me on hold and then the line dropped after being on hold for a long time waiting for them, 4 calls total on 2 different days. One rep said my account was closed due to delinquency over a year, one rep said shut down due to past due unpaid balance, two reps said the card balance was {$0.00} and the account was current. Upon explaining to them my card was declined they all put me on hold for a long time, and eventually the call disconnected on its own. Today I contacted card services because upon applying for a Corporate Business Credit Card through XXXX for my business, my application was declined. I assume this means my XXXX XXXX has been reported as Closed to the Credit Companies. Upon contacting XXXX today, and requesting escalation to a supervisor I spoke with an agent named XXXX. XXXX recapped the following : _I charged a purchase to my XXXX XXXX for a total of about {$47.00} on XX/XX/XXXX _The card was unpaid for 3 months and therefore XXXX automatically closed my account and this could not be reversed _I advised XXXX that I had not once during this period received a call from XXXX Company or any emails or mail telling me I was delinquent or past due or that collection proceedings would follow _I advised XXXX I simply forgot I had charged that and to make a payment, and that since I don't see paper statements it slipped my mind _I advised XXXX I have 3 emails from XXXX this year : 1 in XX/XX/XXXX updating privacy policy, 1 in XX/XX/XXXX for my statement for about {$47.00} ( this is where I must have forgotten to make a payment ) and then again one on XX/XX/XXXX telling me a payment was due on XX/XX/XXXX but no balance and nothing saying my account was closed _I asked XXXX to confirm that I had paid my balance in full on XX/XX/XXXX and asked her to confirm I never received any notice that my account was in collections or that it was going to be closed or was closed, she confirmed _Brady stated they aren't required to call me because of the volume of business they do, because of the amount of accounts they manage that they don't have to call anyone _Brady stated they sent me an email monthly with a statement and that is due diligence enough _I advised XXXX I do not have a statement in XX/XX/XXXX or XX/XX/XXXX in my email, she was adamant that they did send me monthly statements _Brady confirmed they had my address, phone number and email address _Brady advised I would need to dispute this with the credit agencies and there's nothing she can do to help me If my account was closed and in collections from XX/XX/XXXX to XX/XX/XXXX, why would I get a statement in XX/XX/XXXX that says I have a payment due on XX/XX/XXXX to XXXX after my account was closed with no indication that that had happened? See attached! I am extremely upset about the overall handling of this situation. While I understand that I failed in remembering to pay off the {$47.00} charge I made in XX/XX/XXXX, and that that is fully my mistake, I feel terrible for forgetting, I don't believe that XXXX did their due diligence in contacting me for repayment and I did not receive any notice of potential collection action, potential account closure, or notice when my account was closed. I find this unacceptable business practice. Please help, I need to be able to carry a business credit account and checking/savings account, and to refinance my home, and I don't feel this was handled appropriately/diligently.
Company Response: Closed with explanation

Timely Response

2018-11-06

New Britain, CT

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

2018-11-06

Gloucester City, NJ

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I opened a business line of credit using my personal information interest only payments monthly. XX/XX/XXXX it was approved for XXXX for working capital XX/XX/XXXX The small business VP ( XXXX XXXX ) that opened the line of credit contacted me and said line coming up for renewal and I needed to handle a few credit concerns. I explained to her those concerns were there when the loan was opened and if they now wanted me to address them could they supply me with more information on who to contact to even see if they are valid. She requested I send what I have to her of which I did. XX/XX/XXXX I get a phone call from TD bank telling me they are terming out my line of credit for delinquent credit, I informed the person I was already dealing with VP of small business and nothing has been delinquent with my 8 year history with TD bank. I receive a phone call back from the VP of small business said the phone call was an error and my information was sent to the underwriters and she would let me know when she heard back how we move forward. XX/XX/XXXX I sent email to VP of small Business asking what the outcome was or what is happening with the underwriters in regards to my line of credit. XX/XX/XXXX I sent email to VP of small Business asking again about out come as no response from previous email XX/XX/XXXX My son contacts me says TD bank came to my home and the man told him to tell me to contact TD cause he is an appraiser. I send VP of small business and email of this situation. I then receive a phone call from an outsourced lender ( XXXX XXXX ) that informed me TD was no longer handling my loan as I refused to come in and term out the loan. I explained this is absolutely not true he said he would discuss account with his boss and TD and contact me back. XX/XX/XXXX I never heard back from him or TD so I sent Another email to VP of small business that I would be contacting CFPB if they would not explain to me what is going on and why no one is willing to meet with me face to face like all my transactions concerning loans or line of credits for the past 8 years. XX/XX/XXXX I receive a letter in the mail saying now that they are doing a term loan for remaining balance of XXXX and they are addressing my email XX/XX/XXXX and Now the letter says the man that called me is assistant VP of the bank. I have never in my 30 year history of dealing with banks and credit unions felt so confused and misguided only to write in and the confusion continues. I am being lied to and I have no idea why this is necessary.
Company Response: Closed with explanation

Timely Response