TD BANK US HOLDING COMPANY

2018-10-24

Mill Valley, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I received a letter from XXXX XXXX XXXX XXXX ( collection agency ) on XX/XX/XXXX stating that I owed XXXX XXXX, XXXX {$300.00} for an account ending in XXXX. I have never worked with TD Bank, nor have I ever opened an account with them. The info that I was able to get from XXXX XXXX XXXX is that the account ends in XXXX, and it was opened on XX/XX/XXXX and closed on XX/XX/XXXX. TD Bank is not FDIC insured. I have requested a dispute through XXXX XXXX. I have run a credit report and TD Bank shows up as under " soft inquiries '' on XX/XX/XXXX. I called TD Bank on XX/XX/XXXX they would only help me if I gave them my SSN. I was not willing to do that since I have never done business with them. I wasn't sure about their credentials. TD Bank : XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-10-24

Hollywood, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-23

Edinburg, TX

Incorrect information on your report

Vehicle loan or lease: Loan

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-10-23

NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: My debit card was used without my authorization while I was in XXXX undergoing a XXXX XXXX and XXXX XXXX ( 2 XXXX in 10 days ). Most of the charges occurred on XX/XX/18. I realized my card was missing on XX/XX/XXXX and immediately contacted the bank. I also reported the fraudulent charges. On XX/XX/2018 I received a letter stating my claim was denied. I immediately requested documentation used to deny the claim, as per Reg E, and the bank has failed to provide this information. I have called and walked into the branch many times and spoken to several supervisors. I also refiled the claim. On XX/XX/2018 I sent a certified/return mail letter requesting the documentation used - 6th time making the request - and explaining why I thought each one of the reasons given to denied my claim were not satisfactory. The reasons are that I notified I'd be in XXXX during the dates the charges happened, account wasn't drained, charges reflect normal spending habit ( I had my account for 2 months how can they say the had a pattern of my spending habits? ), and that there were no more attempts to used the card after XX/XX/18. I sent TD bank letters from my XXXX and XXXX XXXX confirming my health state during that time. In addition, as per Reg E, the fraud was reported within reasonable time of learning of the card missing or fraud - I reported the fraud within 24 hours of learning the card was missing ( and within 60 days of it happening ). I have spent an obnoxious amount of time disputing the transactions/claim denial and TD Bank is not protecting me against fraudulent charges as they stated when I opened my account. In fact, they are adding to my loss by implying I am lying and or trying to commit fraud against them and the time I've wasted filing the claim and disputing their decision.
Company Response: Closed with explanation

Timely Response

2018-10-22

Murray, UT

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: Hello. Several years ago I was called about a XXXX XXXX card that was opened in Colorado sever years after I stopped living there. The person that opened it up had my social security number, the old address, and some other identifying information on me. I'm not sure who it is, but I told XXXX that the card was fraudulent and they didn't seem to want to do anything about it. I called them back a few times though and got someone who said that they would send me an affidavit I could sign to get rid of the card. I never received it so I called back again and again. I never did recieve it and I'm suspecting that they were sending the thing to the old address they had on file. We tried this about 4 times and then my father ended up having several massive strokes. I didn't have time to deal with the company if they couldn't even get mail sent to my address correctly, so I put things on hold while I took care of him and then forgot about this entirely. I recently went to apply for a house and they said that this account was hurting my credit score by 120 points. I did not get the loan because of it and the house sold. I am currently working with them again but this is ridiculous. This time they sent me a questionnaire to fill out via email and say they are processing things, but I have no way of contacting them or talking to them about the issue. I just get a random call center person who looks at the status on the screen. It's been processing for several weeks now and I haven't gotten any word back from them. They probably sent more documents to the Colorado address for all I know. What's crazy is that it is XXXX dollars. I have perfect payment history for everything else I've ever had. I spend almost 700 $ a month at XXXX on Coffee and Lunch but I am done. They won't get another dollar of mine at this point. Here is the information on the card. I only have the account number.. They wouldn't give me the card number because I didn't open it. lol Account Number : XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-10-22

San Jacinto, CA

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: I didnt use Charges after XX/XX/2018 they are fraudulents, I didnt eat sushi nor ate food after XXXX.
Company Response: Closed with monetary relief

Timely Response

2018-10-22

Odell, OR

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: Called into cfpb, this is not a duplicate, the other complaint was deleted, please proceed with this complaint. I placed an order for a new phone directly from XXXX on XX/XX/XXXX for the XXXX XXXX. On their website, it showed a trade in credit for {$200.00} for my XXXX XXXX. I went ahead and placed my order and did financing through XXXX, which goes through TD Bank. The total cost of the XXXX minus trade in credit should have been {$520.00} ( {$720.00} MSRP ). Upon getting my email confirmation for the order, the trade-in credit only showed {$50.00}. At this point I called XXXX XX/XX/XXXX and talked with XXXX, he said that it was no issue, he would start an incident and that it should get fixed. XXXX told me to call back once I got the phone. On XX/XX/XXXX, I called XXXX and talked to XXXX who assured me that fix would get approved in the next 3-5 days from a supervisor. Called back on XX/XX/XXXX to ensure that this got approved before sending in my trade-in device and not being able to return the phone. They assured me that it would get approved and instructed me to send in the device. After watching my statements, no adjustments had been made. I called back on XX/XX/XXXX and they instructed me that they approved my claim on XX/XX/XXXX but it might take a month or two to show up. After checking my statement month after month, still no credit. Called on XX/XX/XXXX, they decided to deny my claim on XX/XX/XXXX, the representative told me to send in evidence again and it should get overturned. I complied and sent in again. At this point, I still have no received my credit and I tried to work through TD Bank to get this resolved. They have done no investigation beyond confirming the order and that the claim was denied. How can companies tell you that you will get a {$200.00} trade-in credit and confirm that it will get approved and then not do what you say you are going to do? I am now out my XXXX and a credit that was not as advertised.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-22

Austin, TX

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

2018-10-22

Bluffton, SC

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with non-monetary relief

Timely Response

2018-10-22

VA

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: TD bank denied that some charges on my son 's credit/debit card were fraudulent.I tried to resolve it with them and show that my son was at school or asleep when the charges occurred. The total amount is $ XXXX.They said they would send documentation but they did not.
Company Response: Closed with monetary relief

Timely Response

2018-10-21

Flushing, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-10-21

Dunnellon, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/18 XXXX withdrew {$18.00} from my account which I did not authorize. What I did authorize was a single report for {$1.00}. I contacted my bank and on XX/XX/18 they removed {$17.00} until their investigation was complete. Now on XX/XX/18 they reversed the credit and charged me {$17.00} which I did not authorize.
Company Response: Closed with explanation

Timely Response

2018-10-20

NJ

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Complaint: I have accounts with TD Bank. My account online access was locked at the end of XXXX due to some suspicious activity -- I attempted to transfer money to my self at some IP address in Massachusetts. My complaint is why this issue can not be resolved even near the end of XXXX. The online access was locked by Fraud Department. I have contacted the department and TD customer services many times. Here is a list of details that I can remember : * TD customer service provided me the phone number of the fraud department. I contacted the department well over a dozen times. I could never reach any person there. I always left a message to get call back. Initially I did get call back. But recently, I don't even get call back. Sometimes the answering machine was full I could not even leave a message. * I got callbacks from Fraud Dept several times. Here is the list of instructions and results : 1 ) First she ( the person in Fraud Dept ) asked me to go to local branch and from the local branch to contact her ( not sure why it must be this complicated ). So I went to local branch ( in XXXX ). But the local branch could not reach the person. I came back and left message to Fraud Dept, who called me back saying she was in office at that time. She suggested the local branch may not use the right method to find her. As a customer, I have no idea how TD Bank contact each other. Why is it my responsibility to connect your guys internally? 2 ) Later, I got her call back again ( after I left many messages ). I was told I could go to local branch and start a new TD account and transfer all existing accounts over. So I did that. However, the local branch said the lock was placed on my name and SSN. Unless I change my name, I could not open a new account. So that trip resulted no solutions. 3 ) Since then, I attempted to contact Fraud Dept but never got any call-backs. I have spent many hours with Fraud Dept ( each branch visit required me to take work hours off since Fraud Dept only works from 9-4? weekdays ). * My contacts with customer support : I have called many times ( 20? ) The good news is that I could always speak to someone. The bad news is that they can not do anything about it. They said Fraud Dept is above them. * My contacts with local branches : As mentioned above, they could not do anything either. In summary, the Fraud Dept at TD Bank is a self kingdom nobody can touch. And they simply don't respond to customers. What options do I have? After nearly five months, my account online access is still locked. I have no choices but to go outside TD Bank to seek a solution.
Company Response: Closed with explanation

Timely Response

2018-10-20

FL

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: TD Bank apparently opened accounts using my name and address without my authorization. I have never had a bank account with TD Bank and do not want one. Now, they are billing me for service fees on accounts I didn't open. This smells of the XXXX XXXX fraud. The accounts are TD Simple Checking # XXXX and TD Growth Money Market # XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-10-20

Key Biscayne, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: Received phone calls last week on persons trying to open accounts under my name with XXXXt and XXXX.realized only today an account was opened with XXXX XXXX XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-10-20

Ft Myers, FL

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

2018-10-19

Warren, RI

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: TD Bank continues to have an advertised promotion as available here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to TD Bank about 95 days ago and enquired the promotion at that time which, at least at that time was available to new CHECKING account customers. I told the bank that I knew and freely admitted that I did have an account a few years ago, but that I was unsure if the account was savings or checking and asked if the previous account would disqualify me from the promotion. The bank representatives researched the issue and said that there was no record of the previous account and therefore I was eligible. I was surprised, but based upon their instruction, I enrolled in the program and as I went along I continued to ask and mention the previous account ... right up to and including two days before the bonus was to be paid and I always received verification that I was eligible even in light of me admitting that I had a previous account because they had no record of the previous account. Then on the day the bonus was to be paid, I was sent a note saying I am ineligible because I had A previous account. To me it is false advertisement. They are luring me into the signing up, saying I am eligible even when I disclose all relevant information, and in so doing based upon their role as employees and authorized representatives of the bank are presenting me with an offer that I am eligible for, and then after fact going back on their claims. Note that along the way, they issue you a credit card without you ever asking for it and in so doing disqualify you further from their ongoing credit card bonus offers.
Company Response: Closed with explanation

Timely Response

2018-10-19

Phoenix, AZ

Getting a loan or lease

Vehicle loan or lease: Loan

Credit denial
Complaint: I applied for an auto loan, Td Auto Fina -- Inquiry from XX/XX/XXXX and the dealership shopped it to various lenders. I was told it would be only two different ones. I would like the rest of these removed XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX I Inquiry from XX/XX/XXXX Informative Inquiry from XX/XX/XXXX I applied for the The XXXX card I never heard from them in any way, shape, or form. It appeared on my credit report. XXXX Inquiry from XX/XX/XXXX 2017
Company Response: Closed with explanation

Timely Response

2018-10-19

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: I'm a victim of identity theft I've sent the identity theft report and the police report to XXXX and to the rest of the credit bureaus. All the creditors have removed the fraudulent accounts but XXXX. I'am extremely upset and disported on how equifax disputes the fraudulent account. I don't understand how a fraudulent accounts are still reaming under my name is beyond my understanding Its been a while that I've been disputing these accounts and I'm extremely distressed I've contacted the creditors and I haven't gotten anywhere My identity was jeopardized. I lost my purse at an event and after that I've realized accounts were oping under my name. These are Not my accounts thyrese are froud. Please i need help remove these fraudulent accounts.
Company Response: Closed with explanation

Timely Response

2018-10-19

Thousand Oaks, 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
Company Response: Closed with explanation

Timely Response

2018-10-18

Clifton, 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 monetary relief

Timely Response

2018-10-18

Sanford, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-10-18

Los Angeles, CA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-10-17

Money was not available when promised

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

Company Response: Closed with explanation

Timely Response

2018-10-17

Balmville, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response