TD BANK US HOLDING COMPANY

2018-10-27

Dallas, GA

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

2018-10-27

Canton, MS

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with monetary relief

Timely Response

2018-10-27

Philatelic Center, CA

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: My name is XXXX It was XX/XX/XXXX and I bought a new XXXX XXXX at the XXXX XXXX XXXX XXXX. They told me I was approved for credit and I signed the financing documents. My original Creditor was XXXX/XXXX bank but in XXXX of XXXX it was transferred to XXXX XXXX. My issue is upon checking my credit score I noticed 3 hard inquiries from 3 different creditors on the same date. I was not made aware of this by the XXXX Dealership and only authorized the one credit check which they said was approved. XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX The XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XXXX XXXX, XXXX These inquiries could stay on your report until XX/XX/XXXX but only the first on XX/XX/XXXX was approved. I tried contacting these companies at the phone numbers listed but have found they have no record of me. Since this is an unauthorized hard inquiry and at least 1 hard inquiry being considered as three separate ones.
Company Response: Closed with explanation

Timely Response

2018-10-27

Reading, PA

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX/TD Bank continues to report this account and it should be removed since it was first reported on XX/XX/2011 and should come off in 7 year window. XXXX accepted an amount lower than the amount owed in a collection agreement but still continues to remove this account from my credit report. I have previously disputed as being paid and they refused to remove this and instead listed status as Updated in dispute. When I went through the collection process, I was informed that if I paid off the amount being requested, this would be removed from my credit report once paid and it has not been.
Company Response: Closed with explanation

Timely Response

2018-10-26

Aurora, CO

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
Company Response: Closed with monetary relief

Timely Response

2018-10-26

Naples, FL

Other features, terms, or problems

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

Other problem
Company Response: Closed with explanation

Timely Response

2018-10-26

Silver Spring, MD

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: After paying for nearly three years, I got an email from XXXX that would not tell me my balance and minimum. I assumed that it was fake email but when I called the help line the first excuse was a dispute with my previous address and now the line they are telling that I was going to transfer my address, both which is untrue. All I want is to restore my normal email from XXXX explaining me my balance each month. I hoped to pay them off, they have no attempt to resolve the problem or to recognize the problem lies with them. How can pay off a debt if can not be informed of my balance. When I even asked for my balance I had to beg for the information. I filed a complaint with the XXXX XXXX and refused to response. Like I said every attempt to resolve end up a different story each time. I even pay too much to run a report from my bank XXXX to prove that I pay each month on time the minimum amount each time. They seemed to ignore and discredit my problem. No attempt to resolve this problem. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-10-26

Brooklyn, NY

Incorrect information on your report

Mortgage: FHA mortgage

Complaint: Hello, I am dealing with a serious fraud issue with someone. He took out a mortgage loan, originally {$420000.00} it is now {$470000.00} with myself as co-signer about 10 years ago. He was supposed to take me off this loan after a short while and make payments on the house in XXXX N.Y. XX/XX/XXXX was the very last payment he made on the house according to my credit report. And he has not paid a dime since! my credit has suffered tremendously and I want to be removed off this loan and I have asked him multiple times over the years. I went into TD bank today ( Friday ) in XXXX and spoke to someone who advised me to contact the Credit Bureau and the FTC ( federal trade commision ) and also to seek legal advice. She said I can refinance to be off the loan but to my knowledge I was taken off the house but left solely on the loan ruining my credit. He refinanced XX/XX/XXXX according to XXXX XXXX without my knowledge or consent. I am under the impression that I have to be present to sign documents and I was not. This is fraud!! My credit score went from XXXX to XXXX because of the mess. I just want my life and credit back so I can apply for my own loan for a home with my Fiance '. I have been dealing with this for a few years and gave him countless opportunities to fix it. I have addition information if needed like names, addresses for example. Please reach out at your earliest convenience. Thank you.
Company Response: Closed with explanation

Timely Response

2018-10-26

ME

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I withdrew XXXX dollars from an ATM. I accidentally hit check my account balance prior to withdrawing the money. Only through diligently checking my online account balance did I notice I was charged three ( 3 ) fees for that transaction. {$2.00} ATP fee paid to the ATM company. A {$3.00} fee paid to TD bank for balance inquiry and a {$3.00} fee paid to TD Bank for using a non-TD bank ATM. The balance inquiry fee was given without notice. It's bad enough to have to pay my bank to use another ATM to get my own cash that they're making money off of, but to pay a fee to see my balance without that fee being disclosed is ridiculous. I called TD Bank on XX/XX/2018 to question them about this and initially the TD Bank representative told me that the {$3.00} balance inquiry fee was not from TD bank it was a fee paid to the ATM owner. Only after stating that this was not true and the ATM could not charge me fees without disclosure did the representative acknowledge that the {$3.00} dollar ATM fee and the {$3.00} balance inquiry fee were charged by TD Bank. The representative did check to see if I could be refunded the {$3.00} but the call was disconnected prior to any resolution. I know a class action lawsuit was filed and won against TD Bank for charging superfluous fees. It seems like they're back at it again. I felt it my duty to bring this to light to prevent TD bank from stealing millions of dollars in fees from their customers. I'm sure that this complaint won't bring about any change but hopefully it's a beginning and I'm sure that I'm not the only one who's filed one against TD Bank for this reason.
Company Response: Closed with monetary relief

Timely Response

2018-10-26

Arlington, VA

Other features, terms, or problems

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

Other problem
Complaint: Several times now supposedly TD bank has specifically either not correctly updated my address or has updated my address to the wrong address for no necessary reason despite explicit instructions otherwise.
Company Response: Closed with explanation

Timely Response

2018-10-26

Annapolis, MD

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Can't close your account
Company Response: Closed with explanation

Timely Response

2018-10-25

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-10-25

Phila, PA

Improper use of your report

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

Company Response: Closed with explanation

Timely Response

2018-10-25

NJ

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

Credit card or prepaid card: Store credit card

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I called the Target Card Services department XXXX approximately 30 days ago in regards to getting a credit reporting issue resolved over the phone. I was told that they would work to resolve my issue and contact me by mail. This past week on XX/XX/XXXX at approximately XXXX ET, I called to see what the status of my issue was ; after reviewing my account the customer service agent told me to send a letter to them explaining my request. After explaining to the rep that I had this conversation 30 days prior with an other agent and was told something completely different ; I asked him if he could see the notes on my account with that prior discussion. He told me " that there was no record of that conversation on the account ".
Company Response: Closed with explanation

Timely Response

2018-10-25

Phila, PA

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

2018-10-25

Harsens Is, MI

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: I have a charged off Nordstrom Credit Card from XX/XX/XXXX. Nordstrom sold this debt in XX/XX/XXXXto a collection agency called XXXX XXXX. I called Nordstrom to offer a settlement but they told me I need to work with XXXX XXXX Ok, no problem. However, each month, Nordstrom ( not the collection agency ) is updating my credit report to reflect a balance due on a closed, charged off, sold account that they will not accept payment for. Each month they update " FP '' or " Failed to Pay ''. This is a misrepresentation. I am not currently failing to pay Nordstrom as they do not own the debt any longer and will not accept payment for it. The Nordstrom representative told me that Nordstrom handles the credit reporting while XXXX owns the debt. This is a violation of FCRA and a purposeful way to have a harsher impact on consumer credit scores as this is factored into utilization. The collection agency owns the debt and is therefore the only one with rights to report it. Nordstrom updating this information each month is a way to leverage credit impact over the consumer instead of having the collection agency report it themselves. I want Nordstrom to stop updating this information each month inaccurately as " FP '', update to a XXXX balance, and remove the FPs in each prior month the debt was owned by the collection agency.
Company Response: Closed with explanation

Timely Response

2018-10-25

Arcadia, CA

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Crossings, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-10-24

Long Island, ME

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-10-24

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Miami, FL

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

2018-10-24

Fort Lauderdale, FL

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Hokendauqua, PA

Managing an account

Checking or savings account: Other banking product or service

Banking errors
Company Response: Closed with explanation

Timely Response

2018-10-24

Long Beach, CA

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: I have a hard credit inquiry from TD Auto Finance and I never signed anything giving them permission to run my credit.
Company Response: Closed with explanation

Timely Response

2018-10-24

Orlando, FL

Trouble using the card

Credit card or prepaid card: Government benefit card

Trouble using the card to spend money in a store or online
Company Response: Closed with explanation

Timely Response