TD BANK US HOLDING COMPANY

2018-10-17

Vero Beach, 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

2018-10-17

Aberdeen, MD

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-17

Bellaire, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: been battling XXXX and id theft for more than 7 YEARS NOW I DONT KNOW WHAT TO TO ANY HELP WOULD BE GREATLY APPRECIATED FILED FTC, POLICE REPORT TO XXXX AND XXXX COUNTY
Company Response: Closed with explanation

Timely Response

2018-10-17

Las Vegas, NV

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with monetary relief

Timely Response

2018-10-17

Phila, PA

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

2018-10-16

Las Vegas, NV

Incorrect information on your report

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

Information belongs to someone else
Complaint: inaccurate information showing up ftc violation and fcra
Company Response: Closed with explanation

Timely Response

2018-10-16

East Windsor, NJ

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: I have been receiving spam mail from TD Bank. I did not sign up to receive this spam mail. Just today, I received another spam mail. I have attached the front and back of the spam mail I received.
Company Response: Closed with explanation

Timely Response

2018-10-16

Mount Dora, FL

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-10-16

Royal Palm Beach, FL

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

2018-10-16

Gloucester City, NJ

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Complaint: Month after month I loose connection between XXXX and my Checking account. Past 3 months I have to call in 3-4 times make complaints about it not working and a week later its suddenly working. Its horrible to not be able to use the function. I have made several calls during XX/XX/XXXX when it was not working then it was working. It failed in XX/XX/XXXX I called then TD fixed it after several calls. In XX/XX/XXXX it failed I called several times then TD fixed it. And here we are in XX/XX/2018 several calls and its still not working, ,.. This is ashamed the tech support department runs me around like crazy talking to people who have no idea. No personal attention or real technical knowledge is ever involved..
Company Response: Closed with explanation

Timely Response

2018-10-16

Knickerbocker, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-10-16

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 monetary relief

Timely Response

2018-10-15

Opening an account

Checking or savings account: Savings account

Confusing or missing disclosures
Company Response: Closed with explanation

Timely Response

2018-10-15

Lenola, NJ

Problem with a purchase shown on your statement

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

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

Timely Response

2018-10-15

Brooklyn, NY

Incorrect information on your report

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

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

Timely Response

2018-10-15

MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: TD Bank did not send funds from my escrow account to pay for my homeowners annual premium before the due date. Consequently, my homeowners insurance company cancelled my policy for " non-payment of premium '' on XX/XX/18. I received the cancellation notice on XX/XX/18 - after the insurance company & bank had closed. I was a nervous wreck all weekend worrying about not having insurance. My premium was due on XX/XX/18. TD Bank didn't mail the premium until XX/XX/18. Insurance Company didn't received payment until XX/XX/18. I have been re-instated after many stressful phone calls. This should never have happened. My insurance company sent out the original premium invoice in XXXX. I called TD bank on XX/XX/18. XXXX assured me that payment was pending, but it was too early to send it..
Company Response: Closed with explanation

Timely Response

2018-10-15

MA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: This began about 5 years ago. We applied for and received a loan modification, because of financial hardship. It was about a 6 month process because of lack of communication on the part of TDBank. That following XXXX, TDBank tripled our mortgage payment without informing us in order to pay taxes TDBank had not paid. My husband and I had no idea until TDBank sent a payment back in XXXX of that same year. Since then, we have tried multiple times to get a loan modification again. We get so far with an agent, and the company switches us to another agent without our knowledge to begin the entire process again. TDBank has frequently lost our paperwork. We wait 20 minutes to speak with someone, then get the runaround without resolution. At one point, we were turned down, because they entered incorrect paystub information stating we made less money per week than we actually did. We eventually hired a lawyer who also struggled with TDBanks lack of transparency and customer service. We currently are working with a HUD advisor from XXXX XXXX XXXX ( XXXX XXXX ) who advised us to communicate with you. If necessary, I can go back through everything and try to find all of the emails and documents. There is a lot. We have a mortgage and a soft second mortgage through TD Bank.
Company Response: Closed with explanation

Timely Response

2018-10-14

Arden, DE

Problem when making payments

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

Problem during payment process
Company Response: Closed with monetary relief

Timely Response

2018-10-13

Toms River, NJ

Incorrect information on your report

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

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

Timely Response

2018-10-13

Omaha, NE

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2018-10-13

Quartzsite, AZ

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: XXXX by way of TD Bank is acting unacceptably and unfairly against me. I've been a Credit card company since XX/XX/2016, and I have never had any issues. I live with XXXX XXXX and had a prior incident that left me with XXXX XXXX, so I have to write my pin number on my card. I lost my card and or never got the card, can not remember due to my XXXX XXXX and someone stole it and began using it. I filed a claim with XXXX, they sent me another card with the same pin to the same address, and that particular card I know factually that I did not get. At this point, XXXX is charging me over XXXX in credit charges with NO proof it was me who made the purchases. This is not only upsetting but spiking and triggering to my anxiety. This is now causing me my health. I also got a letter in regards to the 1st of the 2 claims and I was told that the card was activated at some number with an Arizona area code. I have a XXXX XXXX, Ca area code phone number. I do not have a phone number that is from Arizona. So they denied and closed my claim prematurely because it was activated on a number? That number could belong to anyone, even a family member of mine. At the end of the day If the card was activated justly, but I forgot, that happens- but it was lost and or stolen and someone used it without MY permission. I feel targeted and I am now a victim a third time because this company decided to give my claim one look over and rush to resolve with their best interest at heart. This is unethical and also, discrimination in regards to blaming me for the lost and stolen usage because of the PIN on my card. I know lawfully you can not discriminate against a consumer/customer because of that need- many elderly people have to do the same. The agents on the phone are rude and do not try and help- they leave me on hold for 20 mins at a time. It is truly unacceptable. There were charges in XXXX in another state- in XXXX XXXX XXXX . I, unfortunately, have never been to XXXX XXXX XXXX. So this is really upsetting that XXXX is getting away with treating customers this way. Discriminating against me and my mental state and my XXXX XXXX issues. This is really upsetting. I am being denied without thorough evaluation! I filed two claims, they combined the two into one and denied them both at the same time, which is unacceptable. Especially in a financial institution. It is illegal to discriminate based on race, mental health, economic standing or anything else. PERIOD! Also, the bank is supposed to be working for and with me, not against me. This is what's happening here. 1. Being lazy and not researching in great detail. XXXX is making a bias and unethical decision based on miscommunication. They are using my lack of XXXX on whether or not I activated the card on whether or not I used it. The card was lost and or stolen and used without my permission!
Company Response: Closed with monetary relief

Timely Response

2018-10-12

Greenville, SC

Applying for a mortgage or refinancing an existing mortgage

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

Company Response: Closed with explanation

Timely Response

2018-10-12

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-10-12

Bee Spring, KY

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

2018-10-12

Bronx, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: On XX/XX/2018, one mobile deposit of {$1000.00} ( via personal check ) was made whereby posting on XX/XX/18. The second mobile deposit of {$1000.00} ( via personal check ) was made on XX/XX/2018whereby posting on XX/XX/18. According to my daily limit for mobile deposits, I can submit {$1000.00}. Thus, the reason why I deposited 2 separate checks into my TD checking account. When I reviewed my checking account on XX/XX/2018, I discovered TD BANK placed a hold on both checks. At approximately XXXX XXXX, I called TD 's Customer Service through the mobile app while logged into my account on my cell phone. Thus, making an inquiry about the holds. In the conversation, I asked why were the holds placed on both checks. I also explained that my daily limit for deposit was {$1000.00} via mobile deposit and was not able to make it to the local branch to deposit those checks in person. As well, I told her the checks are my personal checks from other accounts thus being deposited in order to make a payment for my HOME LINE CREDIT which is due on XX/XX/2018. Finally, I asked her how can this be resolved so that my funds can be used to make the payment with TD. She reviewed my account and explained that she can not remove the holds. However, I could go to my local branch and have the Branch manager remove the holds. I thanked her and ended the call. OnXX/XX/XXXX I visited the branch at XXXX XXXX XXXX XXXX NY XXXX. I spoke to a customer service representative and explained the entire situation again. In turn, she conferred with the Branch manager Hal. He explained that he would contact TD Bank 's regional office and have the holds removed by tomorrow. He understood that I needed to make the payment for my HOME CREDIT LINE which was due on XX/XX/XXXX. In the exchange, I wanted him to verify how would I know if the holds were removed. He stated that all I had to do was check my balance using the mobile app. I agreed and left. XX/XX/XXXX, XXXX attempted to call me at XXXX XXXX and left a message on my voice mail to call him back. I returned the call at XXXX XXXX and was on hold for 25 minutes. Finally, I hung up and called back at XXXX XXXX and XXXX XXXX. I finally was able to reach XXXX directly at XXXX XXXX. In the conversation, XXXX explained that he could not remove the holds on the checks. As stated by XXXX, he claimed that XXXX didn't verify the funds from the first deposit to cover the check. Due to that, TD put a hold on both checks. Therefore, he could not remove the holds in place. I reminded him that my payment was due today. And, I asked him who could we contact on the next available business day ( XX/XX/XXXX ). I wanted it noted that my payment would be late due to TD 's fault. The idea that my money was tied up, would result in my credit card payment being late. Not because of me being irresponsible but because TD Bank was unlawfully withholding my funds. As well, I wanted to have any late fees and additional interest credited to me. XXXX reassured me that I must return to the bank on Tuesday, XX/XX/XXXX to handle the situation. We ended the call. With the distress of the situation, I reviewed another checking account I have with XXXX. I rushed out of work and made it to the local XXXX branch before closing. I was able to delay payments made for my property taxes and water bill. With these funds, I withdrew the cash amount of {$1700.00}. Then, I ran to the local TD branch and made the cash payment at the teller in time before closing. To state : TD Bank has unlawfully withheld my money. I have provided documents to dispute this. They had no reason to due so. This would have caused unnecessary fees and interest. As well, it would have damaged my credit thus resulting in an increase for the rate at which I currently am paying on the line of credit. I want TD to provide a full detailed explanation as to why the funds were withheld. Both XXXX ( first check deposited ) and XXXX ( second check deposited ) cleared the the funds the same day it was presented. Please assist me with this investigation at your earliest convenience.
Company Response: Closed with explanation

Timely Response