TD BANK US HOLDING COMPANY

2018-11-06

West Harrison, NY

Closing an account

Checking or savings account: Checking account

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

Timely Response

2018-11-05

Chicago, IL

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

2018-11-05

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-11-05

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

2018-11-05

Charlotte, NC

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Trouble using the card to pay a bill
Company Response: Closed with explanation

Timely Response

2018-11-05

Eddyville, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-11-04

Euclid, OH

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I have had my XXXX XXXX enrolled in autopay for over six months. I logged in to download my statements and my autopay information was erased. I was never notified of this. In addition, XXXX will not let me enter my checking account information ( the same account! ) to set up a new payment source. A website error continues to state that the routing number could not be verified. Again- same account that XXXX has been successfully using for autopay for over six months.
Company Response: Closed with explanation

Timely Response

2018-11-04

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
Company Response: Closed with non-monetary relief

Timely Response

2018-11-04

Laurel, NY

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2018-11-02

Little Rock, AR

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am a victim of Identity theft and If included a copy of the Identity Theft Affidavit Report that was sent to my Sheriff Department for further investigation. I have a few unknown derogatory accounts caused by identity theft reported by your company on my credit report that I didn't open or obtained any good or services from. I've listed the unknown accounts here alone with their account numbers. XXXX XXXX XXXX XXXX chargeoff This chargeoff was caused by Identity theft. TD BANK USA/XXXX XXXX chargeoff This chargeoff was caused by Identity theft. XXXX XXXX XXXX XXXX chargeoff This Charge off was caused by Identity Theft. As you know, 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I have enclosed a copy of my IDENTITY THEFT REPORT and Report Number, that has been filed with the Federal Trade Commission. The Final Rule contemplates automated reports generated by the FTCs complaint system as being within the scope of the definition of an Identity Theft Report. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this purported item from my credit reports ( XXXX, XXXX, and the XXXX ).
Company Response: Closed with explanation

Timely Response

2018-11-02

Deer Park, NY

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2018-11-02

Oceanside, CA

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2018-11-02

Merrick, NY

Opening an account

Checking or savings account: Checking account

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

Timely Response

2018-11-02

Brooklyn, NY

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Complaint: TD bank closed my account mentioning that my signatures don't match. Initially, they were going to open a new account after filing a police report. This happened on XX/XX/18. I was a victim of check fraud.
Company Response: Closed with explanation

Timely Response

2018-11-02

Carmel, 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
Complaint: On XX/XX/2018 my payment of {$25.00} to XXXX XXXX XXXX was posted and bounced back on XX/XX/2018. This was because my wallet was stolen, and my bank account number had to be changed. XXXX locked my account, and I was unable to pay online or in store with my card. I did not want to post a payment through the phone as my credit card was just stolen and I was concerned about identity theft. I spoke with numerous customer reps at XXXX who assured me my online account would be fixed. My account was not reactivated until I was forced to pay the account via phone. Finally, on XX/XX/XXXX I agreed to pay the balance over phone as no other options existed. Since that date, XXXX has reported my payment as late, and all of my attempts to rectify the situation via customer service has ended in either being hung up on or told theres absolutely nothing they can do. At this time, XXXX has 1 ) reported my payment to be 60 days late despite my best efforts to pay them, 2 ) charged me a late fee, 3 ), 4 ) been unwilling to accept any fault in this matter, and 5 ) unwilling to update my credit report despite their fault in this matter.
Company Response: Closed with explanation

Timely Response

2018-11-02

Lk Buena Vis, FL

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

2018-11-02

Philadelphia, PA

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
Complaint: To Whom It May Concern, I, XXXX XXXX, bought a couch set from Raymour and Flanigan XX/XX/2018. The couch price was {$5300.00}. The first delivery that was scheduled was on XX/XX/2018. When the delivery came the couch was the wrong color and the delivery was again rescheduled for XX/XX/2018. After the couch was delivered on XX/XX/2018 my wife and I noticed there was an issue with the workmanship and the quality of XXXXne of the couch pieces the nonreclining seat. I immediately called the store and notified them by email : I just got it today ... The cushion padding is not fully filled. The leather looks stretched and wrinkled. The chair size in more narrow than the rest of the set. The armless chair does not seem to go with the setit looks different from other pieces. Allso I provide pictures of bad piece ... On XX/XX/2018 I noticed that the couch backing began to rip and that the couch legs would wobble even if the legs were on the carpet. On XX/XX/2018 I personally went to the store 's XXXX, XXXX XXXX, and told him I want to return the couch set because of poor quality and workmanship. I was told by XXXX that Raymour and Flanigan does not except returns or exchanges. I was never informed, when I bought the couch, that Raymour and Flanigan does not except returns. I was sold a Platinum Warranty coverage I was told that everything was covered, except for food and animal urine/feces. I feel I was taken advantage of because XXXX is my second language and no one explained the Refund policy to my wife or me. I tried to explain to him that the reason I want to return the couch was due to poor quality and I paid over {$5300.00} and expected a well crafted piece of furniture, he however, said he needed to contact corporate to see what could be done. He gave me an option of returning the couch with a 20 % restocking fee, however, why should I pay a restocking fee for a poorly made piece of furniture? I want to return the couch not because I changed my mind, but because of the quality of the piece that was sold to me. XXXX went on to say he will schedule a repair technician to come and assess the couch, on XX/XX/XXXX, however, I am worried that Raymour and Flanigan just prolonging time and after the inspection I will be told I can not return the couch. I want to return the couch and I think Raymour and Flanigan should relook at their return policy and do exceptions if the pieces they sell are poor quality. I want return this furniture and full refund, I do not want a couch that is of such poor quality standard. I feel, Raymour and Flanigan took advantage of me. I was never explained the return policy, I was never told the terms and conditions. I believe it was the responsibility of the sales associate to explain and inform me. However, I am not returning the couch due to me changing my mind, I am returning it because of the poor quality. As I understand I should be covered under the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTRCPL ) .I think during my purchase salesman and representatives of Raymour and Flanigan mades : violations of the Unfair Trade Practices and Consumer Protection Law and 2 ) Negligent Misrepresentation. UTPCPL Violations Pennsylvanias Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), 73 P.S. 201-1, et seq. protects consumers from abusive business practices, such as Raymour and Flanigan. Specifically, the UTPCPL prohibits [ u ] nfair methods of competition and unfair or deceptive acts or practices in the conduct of any trade or commerce. 73 P.S. 201-3. Unfair or deceptive acts or practices are defined by the UTPCPL to include [ e ] ngaging in anyfraudulent or deceptive conduct which creates a likelihood of confusion or of misunderstanding. 73 P.S. 201-2 ( 4 ) ( xxi ). Here, Raymour and Flanigan engaged in deceptive conduct by using knowingly inaccurate information to sell furniture to unsuspecting consumers. I spent over XXXX XXXX for poor quality product. This is a classic case of false advertising ; a bait and switch. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2018-11-02

IL

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
Complaint: In XXXX of 2018 ( I'm not sure of the exact date ) I ordered a eliptical machine from XXXX. Which was financed through TD Bank which is the credit card company. A few weeks after I recieved the merchandise I realized that it was literally bad on my knees, so I called and returned the elptical and ordered a treadmill. Mind you it literally took them almost to pick up the eliptical and then longer to deliver the treadmill. Once they finally picked up the treadmill. I realized that it would be very difficult to move the treadmill around to another room. Despite the commercial saying that it was concviennt and could be stored in any room. So again I called and had them return the treadmill. Which again took almost 2 months for them to pick it up. Now I look at my statements and my credit report. Which says that I maxed out ( well almost maxed out my credit limit of XXXX with TD bank. And then I get statements saying that my balance is XXXX because I never returned the treadmill and then they have the nerve to charge me a restocking fee in the access of XXXX and something dollars when It took them months at a time to pick up the return!!! I filed a dispute and still no resolution!!!! Fair warning do not do buisness with XXXX XXXX!! or TD bank for that matter
Company Response: Closed with monetary relief

Timely Response

2018-11-02

FL

Identity theft protection or other monitoring services

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

Problem with product or service terms changing
Complaint: LOAN ACCT UNSECURED LINE OF CREDIT TD BANK ACCT XXXX LINE OF CREDIT FOR {$10000.00} TD VISA ACCT NUMBER XXXX CREDIT LINE {$15000.00} OPENED XXXX AND CLOSED XXXX. LESS THAN TWO WEEKS. THE FIRST YEAR WAS 0 INTEREST ON BALANCE TRANSFERS AND PURCHASES. I HAVE BEEN RECEIVING LATE FEES, INTEREST CHARGES. I TRIED FOR ALMOST A YEAR TO RESOLVE THIS THROUGH MANY DIFFERENT PEOPLE. XXXX XXXX WHO IS AT CONSUMER AFFAIRS XXXX HAS BEEN HELPING ME FROM DAY ONE. HE EVEN ON TWO DIFFERENT OCCASSIONS SPOKE TO TD BANK EMPLOYEES AT THE BRANCH. I HAVE BEEN BLACKLISTED BY EMAIL AS I TRIED TO RECEIVED HELP AT XXXX AND XXXX. PLEASE SEE PROOF OF THE EMAIL THAT I AM BLACK LISTED. I AM HUNG UP ON ABUSED TRANSFERRED, PUT ON HOLD. REFER TO OUR COUNSEL WITH NO NAME OR CONTACT FOR COUNSEL, HORRIFFIC WHAT I HAVE BEEN THROUGH. WHEN I OPENED THE LINE OF CREDIT I HAD AUTOMATIC DEBIT FROM MY TD CHECKING ACCOUNT TO DRAFT THE {$220.00} AND HAD OVER {$12000.00} IN MY TD CHECKING ACCOUNT. THEY NEVER TOOK THE FUNDS OUT OF MY ACCOUNT AND REPORTED ME TO ALL THREE CREDIT BUREAU 'S 60 TO 90 DAYS LATE AND WHEN THE PAYMENT WAS DUE I CALLED TD BRANCH ON XXXX XXXX XXXX AND LET XXXX XXXX WHO NO LONGER IS EMPLOYED THERE. I HAD TO GO TO THE BRANCH AND PHYYSCIALLY PAY IN CASH {$220.00} EVERY SINGLE MONTH. PLEASE SEE LETTER FROM THE INCOMPTENCE THAT TD ADMITTED AND CONTINUING TO MAKE THE SAME MISTAKES ON SPITE AND PERSONAL ATTACK AGAINST ME. XXXX XXXX IN CONSUMER AFFAIRS CAN ATTEST TO MY NEVER ENDING BATTLE WHICH HAS TAKEN A TOLL ON ME WITH TD BANK. I HAVE BEEN ON THE PHONE FOR THREE HOURS TODAY WITH THE LOAN DEPARTMENT. XXXX XXXX, HUNDG UP ON ME AFTER BEING ON THE PHONE FOR 30 MINUTES PULL THE CALL, INCOMPETENCE. THAN I SPOKE TO XXXX XXXX IN MAINE AND ASKED FOR A SUPERVISOR AND HIS NAME WAS XXXX XXXX, HE WOULD NOT SPEAK TO ME AND STATED A CALL BACK OF 48 HOURS WHILE AVAILABLE TO SPEAK WITH ME BE AS PER XXXX XXXX, XXXX XXXX HUNG UP ON ME AFTER 30 MINUTES OF PUTTING ME ON HOLD. XXXX XXXX WHO I SPOKE TO LAST WEEK HUNG UP ON ME ANS SAID SHE WOULD HAVE COUNSEL CALL ME. NO ONE CALLED ME. WHAT COUNSEL??? SO THAN I WAS GIVEN XXXX XXXX IN WASHINGTON DC WHO IS THE VP OF COUNSEL OF TD BANK XXXX AND HE WAS BAFFLED AS TO WHY I AM CALLING HIM. TD IS CHARGING ME {$10.00} EVERY MONTH FOR LATE FEES DUE TO NOT DEBITING MY ACCOUNT INITIALLY AND WILL NOT CREDIT. XXXX XXXX WHO I WENT INTO THE BRANCH TO TRY AND RECEIVE ASSISTANCE WITH MY ON GOING ISSUES AND SPENT TWO HOURS WITH HER AND PROVIDED ALL THE DOCUMENTATION AND PROOF AND SHE DID NOTHING AND NEVER RETURNED A CALL BACK TO ME. I CALLED THE BRANCH STATING I WAS XXXX XXXX AND THAN SHE TOOK THE CALL AND WAS UPSET THAT NOW SHE IS BEING ADDRESSED AND WHY SIT WITH ME AND COPY DOCUMENTS AND SHOW YOU PROOF. SHE IS THW ASSISTANT MANAGER OF THE BANK AND THE MANAGER OF THE BANK IS XXXX XXXX WHO IS AWARE OF THE SITUATION SINCE THE BEGINNING AND DID NOTHING TO RESOLVE MATTERS. XXXX XXXX WAS A WITNESS WHO IS A TD BANK TELLER WHO WAS AT THE DRIVE THROUGH ON XXXX AS XXXX XXXX WOULD NOT TAKE MY LOAN PAYMENT ON MY VISA PAYMENT AT XXXX XXXX BRANCH AND I WAS THERE FROM XXXX XXXX TO XXXX XXXX TO TRY AND GET ASSISTANCE WITH THESE ON GOING ISSUES. THE BRANCH ON XXXX XXXX XXXX THROUGH WAS OPEN AND THE TELLER HEARD WHAT XXXX AT TD VISA WAS ACTING ABUSIVE. THE TELLER TOLD ME TO COME BACK TOMORROW AND THE ASSISTANCT MANAGER CAN HELP ME AND THAT IS XXXX XXXX WHO COPIED MY DOCUMENTS AND DID NOTHING TO RESOLVE MY LOAN AND VISA ISSUES, VISA ISSUES, LATE FEES, INTEREST CHARGES, THE ACCOUNT WAS OPEN FOR TWO WEEKS AND CLOSED WITHOUT MY KNOWLEDGE. MY CHECKJING ACCOUNT WAS CLOSED AFTER 10 YEARS. MY LINE OF CREDIT REMAINS OPEN. I HAVE TRIED FOR MANY MONTHS TO GET ASSISTANCE. THES E ARE BASIC ADMINISTRATIVE ISSUES. I HAVE TRIED TO SPEAK TO LOSS MITIGATION DEPARTMENT AND HUNG UP ON, NO RETURN CALLS. I HAVE NEVER HAD ONE NEGITIVE REPRTING FROM ANY CREDITIORS ACCEPT TD BANK. MY FICO SCORE NOW IS XXXX DUE TO A {$29.00}. I WILL BE IN MORE DETAIL ON ALL SOCIAL MDEDIA SITES WITH TD EMPLYOYEE NAMES, PHONE NUMBERS, EMAILS, ADDRESS, LOCATIONS OF CALL CENTERS SO ANY OTHER PERSON WILL NEVER HAVE TO GO THROUGH WHAT I HAVE ENDURED AMONG THE THOUSANDS OF COMPLAINTS SIMILAR ON SOCIAL MEDIA. 1. I WANT A SETTLEMENT AT THIS POINT WITH BOTH ACCOUNTS. I WANT NO FURTHER DEALING WITH THIS ABUSIVE BANK. I TRIED TO GET AN EXTENSION ON MY LOAN. LATE FEES {$90.00} MONTHLY INTEREST ON MY VISA PLUS {$35.00} LATE FEES WHEN I PAY ON TIME IN CASH AT THE BRANCH AND XXXX XXXX CONFIRMED THIS SHOULD NOT BE HAPPENING AND TD VISA STATES SAID IT TAKES TWO DAYS TO PROCESS WHICH I LET XXXX KNOW THIS. THIS IS SUCH NON SENSE, THE LEFT DOES NOT KNOW THE RIGHT. I CALLED ANOTHER BRANCH MANAGER XXXX XXXX IN XXXX XXXX XXXX TO LET HIM KNOW WHAT IS GOING ON. HE TOOK MY INFORMATION ANS SAID HE WOULD GET BACK TO ME. I CALLED THE CHAIRMANS OFFICE AND LEFT MESSAGES AT XXXX AND LEFT MANY MESSAGES WITH NOT ONE CALL BACK, WHILE MY TD VISA WAS ACTIVE AND OPEN AND DID BALANCE TRANFERS TO PAY STORE CREDIT CARDS TD VISA STOPPED PAYMENT ON XXXX AND XXXX AND NEVER PAID THEM AND CHARGED LATE FEE WITH BOTH CREDIITORS AND STOP PAYMENT FEE WHICH TD SENT OUT THE CHECK AND STOP PAYMENT FOR BOTH CREDITORS AND NEVER REISSUED A CHECK. THAN XXXX THEY CLOSED MY VISA ACCOUNT. I SPOKE TO XXXX XXXX AND ASKED FOR THIS CALL TO BE PULLED FROM XXXX XXXX WHO NEVER CALLED ME BACK AND WAS COMPLETELY IGNORED. THIS NONSENSE NEEDS TO STOP AND THIS NEEDS TO BE RESOLVED.
Company Response: Closed with explanation

Timely Response

2018-11-01

Bardonia, NY

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

2018-11-01

So Effingham, NH

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-11-01

Lenzburg, IL

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: I sent a letter certified mail dated XX/XX/XXXX to XXXX XXXX XXXXCredit disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. The letter was received onXX/XX/XXXX. I pulled my credit report from XXXX datedXX/XX/XXXX. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I pulled my XXXX report again on XX/XX/XXXXand my account was not marked in dispute by XXXX XXXX XXXX. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account onXX/XX/XXXX and all three credit bureaus reported the late payments were valid, and my account was not marked in dispute. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX that had a statement fromXX/XX/XXXX. I never requested the statement only validation of the late payments. XXXX XXXX XXXX has violated section 623 ( a ) ( 3 ) of the FCRA by failing to provide validation and marking the account in dispute within 30 days and I am requesting all late payments be removed. Please see attachments for all correspondence.
Company Response: Closed with explanation

Timely Response

2018-11-01

Florence Villa, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-11-01

Manhattan, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-11-01

Buena Ventura Lakes, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response