TD BANK US HOLDING COMPANY

2018-09-27

Upland, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-09-27

Cutler Bay, FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with monetary relief

Timely Response

2018-09-27

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I applied for credit with XXXX to purchase a XXXX XXXX cellphone I was given {$3.00} in credit to purchase the phone from TD bank. When the phone was sent to me through XXXXXXXX I told the XXXX worker to please return to sender I did not want the phone with in the same day of the delivery Td bank put that I owe {$710.00} for the phone I made numerous calls to XXXX to pay Td bank for the return cellphone XXXX has not responded to this date XXXX financing account number is - XXXX XXXX is trying to scam me to pay for a phone that was return I enclose receipts of return.
Company Response: Closed with monetary relief

Timely Response

2018-09-27

Albuquerque, NM

Credit monitoring or identity theft protection services

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

Didn't receive services that were advertised
Company Response: Closed with explanation

Timely Response

2018-09-26

Houston, TX

Fees or interest

Credit card or prepaid card: Store credit card

Charged too much interest
Complaint: I purchased an engagement and wedding rings from XXXX XXXX and financed through XXXX XXXXXXXX XXXX. It was not made clear how much the interest would be charged if not paid within the promotional time frame. I had not been receiving paper statements nor could I access the XXXX XXXX online account for months. I would always make the payments every month but then was alarmed that my balance went from slightly over {$3000.00} to almost 8,000. The original amount financed on this card was {$8000.00} and I had paid it down to {$3000.00}, but was recently charged over {$3600.00} in interest. I called as soon as I could and spoke to a manager, XXXX who mentioned that if I could pay off the {$3800.00} principal balance that they could possibly look at waiving the interest charged with a dispute letter. I paid the principal only to find out today that I will still have to pay the full amount of interests of {$3500.00} and will accrue interest every month upon interest charged despite me paying the principal balance. It took everything I had to pay the principal amount and after so much loss from Hurricane Harvey it's been tough to get on our feet again. The Over {$3000.00} in interest charges on an account that only had {$3000.00} remaining balance is exesive and a scam. Not to mention that I never received any communication or statements regarding where I stood with the account. I ask that XXXX XXXX XXXX refund at least the majority of the interest charges and also state they have no right to continue charging interest charged when the principal balance has already been paid off. The most recent manager I spoke to did not want to assist in any way and said there was nothing that could be done.
Company Response: Closed with monetary relief

Timely Response

2018-09-26

Hamilton Grange, 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

2018-09-26

Wallington, NJ

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: On XX/XX/XXXX and XX/XX/2017 from TD Bank N.A. repoted 2 inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report
Company Response: Closed with explanation

Timely Response

2018-09-26

Andover, MA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-09-25

East Rockaway, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: I had a commercial / business account with TD bank at XXXX XXXX XXXX, XXXX, NY XXXX for almost 10 years. I had a break in at my office in XX/XX/2018 and had to change the account details to avoid fraud. I was not made aware at the time, but this change meant my account was subject to new regulations Today, XX/XX/XXXX, I discovered my account was closed and close to {$12000.00} was " missing ''. I thought it was fraud and went to a local branch. Instead, I was told that I had not filled out a form that was required and so TD bank closed the account. They seemed unsure where my money was! The more I dug into this, the more I determined that TD Bank had not acted responsibly and it was their fault. The new form that I was required to fill out existed when I opened this account. The new form began XX/XX/2018 and I opened the account XX/XX/2018. They could have asked me to fill out the form the same day, but failed to do so This is per a supervisor named XXXX. XXXX also said the person who opened the account for me left a week after they opened my account and the local branch had a lot of problems because they had not done their job. To which I pointed out that a TD employee failing to do their job had nothing to do with me and I should not be penalized They had FIVE MONTHS to ask me to fill out this form. They could not explain why five months went by without asking me fill out the form but suddenly my account was closed due to it not being filled out? They stated that XXXX XXXX had contacted me regarding this form. I let them know the following First, XXXX XXXX had called me on a Tuesday. She did NOT state the nature of the matter, just left a message. I called back, she was " on the other line '' and I asked the person who answered to have her call me back The call was not returned the same day. It was returned on a Friday. XXXX XXXX did not indicate it was an urgent manner. She in fact stated she could mail me the form, but I said she could send it by email. She sent it on a Friday afternoon. Having left the office due to a family emergency, I did not receive the email until Monday morning. It was followed by a call from XXXX XXXX. I told her ( 1 ) that I had received it, ( 2 ) that I was dealing with a family situation and was about to get it done and ( 3 ) that as soon as possible I would fill it out By my guesstimation, they closed the account within an hour of that conversation Bank managers at XXXX XXXX have thus far not returned my calls. XXXX tried to walk back what he had told me ; 1. That their employee failed to have me fill out the form when the account was opened 2. That they had not in a timely manner reached out to me to get the form signed and 3. That despite the supposed urgent nature of this form, why XXXX XXXX waited FOUR DAYS to return my call. I can not pay my rent, I can not pay my employee, I have no idea where my money is and finally they have the nerve to charge me an overdraft fee when a regularly scheduled item came in
Company Response: Closed with monetary relief

Timely Response

2018-09-25

Evesboro, NJ

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-09-25

Key Biscayne, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I would like trough this mean that XXXX sent i debt to collction i sent all paper work i file a police report all other banks agree that in fact my identity was stolen they send my debt to collection for no reason at all
Company Response: Closed with non-monetary relief

Timely Response

2018-09-25

Key Biscayne, FL

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: Hello, I bank with TD Bank. I made a mobile deposit on the amount of, {$1100.00}, the check deposited It was from XXXX XXXX, back in XXXX last year, The check cleared on my account but after six months td bank took the funds out of my account and told me that the reason why is because the check was deposit twice, When in reality I only deposit one time through the app. I try to fix this issue with TD bank, But unfortunately it was unsuccessful so without no options I decided to do a police report which I have attach here, td Bank did absolutely nothing to resolve the issue, they closed my account and report me for the Credit bureau. It is affecting me tremendously, Im trying to follow up with a detective but shes also not communicating with me, Im really frustrated, and I need help as soon as possible. Thank you!!!
Company Response: Closed with explanation

Timely Response

2018-09-25

Faucett, MO

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-09-25

Saint George, VT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-09-24

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

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

Company Response: Closed with explanation

Timely Response

2018-09-24

Ft Belvoir, VA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I noticed there was a TD bank new checking account promotion online which is {$300.00} bonus for opening a premier checking account and complete the requirements at XX/XX/XXXX. But when I wanted to open premier checking account online, I met some issues with identity verification several times, could not open premier checking account online successfully. So I went to the nearest TD bank store at XX/XX/XXXX, and met the assistant store manager XXXX. I told her the verification problem when I wanted to open checking account online and get the promotion bonus, then I asked her if I could get this promotion bonus by opening premier checking account in store. She said Yes, you can! She told me the account must receive direct deposits totaling {$2500.00} or more within 90 days of account opening. If I have completed all of the above requirements within the specified timeframe, my account should receive a credit for {$300.00} no later than 125 days from the account opening date. Then I opened premier checking account at the branch with her help, she printed the promotion details and gave it to me as a confirmation. Right now I have already completed all the requirements this promotion requires. When I completed all the requirements, I called them at XX/XX/XXXX asking when, they did not say my account would not qualify, they told me once I complete the requirements I should wait. After several days, I sent secure messages via online bank to ask when I will get the bonus at XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX and XXXX who are TD Bank On-Line E-mail Specialist also did not say my account would not qualify and just told me once I complete the requirements I should wait. The time when I opened this premier checking account was XX/XX/XXXX, and XX/XX/XXXX was the 125 days from opening date, I still did not receive my bonus, so I called TD bank yesterday telling them why I still did not get bonus, they said they would contact promotions department to find out why the account has not received a promotional bonus of {$300.00}. Then I sent a secure message using online bank asking why I still did not get bonus, XXXX, the TD Bank On-Line E-mail Specialist replied they are reaching out to their promotions department to find out why, and I receive their reply this afternoon. They said Upon review, this account was opened in the Store. The only promotions for accounts opened in the store at the time this account was opened was our XXXX XXXX offer. In order to qualify for the XXXX XXXX campaign, the Customer must have received a mailer and the name and address on the mailer must match the name and address on the account. The offer was not transferrable. Upon review, I do not see the customer received a mailer. Unfortunately, the account would not qualify. This is totally ridiculous, the assistant store manager XXXX told me I could get this promotion by opening account in the store, she printed the promotion detail, gave it to me as a confirmation, and then I completed all the requirements. But right now TD bank thinks my account does not qualify, and they have not answered my question vie online secure message for more than 3 days which they said they will reply with in 24 hours. What Im thinking right now is that TD bank just does not want give me the promotion bonus as the terms advertise and say. Americans most convenient bank? I truly start to doubt.
Company Response: Closed with monetary relief

Timely Response

2018-09-24

Rockaway, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-09-24

Ridley Park, PA

Charged fees or interest you didn't expect

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

Complaint: XX/XX/2018 : After applying for a {$45000.00} Line of Credit through TD bank online, I was assigned a Loan Processor who I exchanged many emails with prior to committing to the LOC. In these emails, I was given the terms of the loan, as well as the repay back periods, and my monthly payment if I used the entire LOC. They were explained as follows : " Good Afternoon, the line of credit has a 20 year term. During the 1st 10 years you are paying back interest only, then during the next 10 years you pay principle and interest. If you use the entire line, your monthly payment for the first ten years would be {$410.00} '' After numerous other email exchanges, based on the terms stated above, I proceeded with the LOC ; in order to be approved for closing, I had to put in writing via email, which I did, " We agree to the terms of this loan ''. The terms provided above. We closed on our loan at our local bank branch, and verified the terms via email. We signed and closed. I received my first statement in the mail, and with my surprise after only using XXXX of the line, my minimum monthly payment states {$590.00} ( principal and interest ) After numerous phone calls to representatives, I was handed off several times, I was informed the terms I was given, and consented to, in the email were incorrect, and that she made a 'typo '. And that I am actually responsible for paying 2 % of the line balance every month, and even though it is a 20 year term, that it would never actually get to 20 years or even 10 for that matter. I went from being told " we may have to honor those terms '' to being told that this was a typo, and there's nothing we can do since the paperwork is signed and complete. l was extremely misled, the 'correct ' terms were NEVER disclosed to me via email or at settlement ; I signed under false pretenses based on what I believed to be accurate information from bank representatives. I can provide all email exchanges.
Company Response: Closed with explanation

Timely Response

2018-09-24

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
Complaint: I had a TD Business Visa card. I canceled it on Monday XX/XX/XXXX. Prior to this I received a letter in XXXX stating that they have been trying to call me to no avail. ( I have received 3 more letters like this ) I was on vacation and there was no message on my telephone upon return. I look on line to see my balance and wonder what they're calling about because I really don't use the card and was planning to cancel it. To my amazement there are charges of almost $ 50K on the card including on XX/XX/XXXX payment reversal of {$27000.00}, on XXXX {$30000.00} payment reversal XXXX payment received, XXXX payment received XXXX XXXX {$3200.00} and another charge for {$950.00}. and list goes on. I called the fraud department immediately and no one seemed to be too concerned. They said someone would get back to me in 24-48 hours. I called after 24 hours and they said 24-48 hours didn't mean days it meant business working hours 3-6 days. Then they asked me if I wanted a new card. I said no I needed to get this resolved. They said they couldn't do anything because they couldn't verify who I was and that I needed to go into a branch. They then said that they just issued 7 new cards ( This was a business account ). I went crazy and ran down to the branch. The customer service rep at the bank could not believe they sent me there and I had her call the fraud line and she couldn't believe what they were telling us. I asked that they cancel all cards and put a freeze on the account ( which they had told me they had done when I called twice before ) as long a I would get something in writing. Today I receive two letters one dated XX/XX/XXXX that said account closed and cut up card but I am still responsible for account balance and future charges. The other letter I received today ( XX/XX/XXXX ) says that I agreed to use the TD Credit card in compliance with ... Unfortunately they're revoking my charging privileges effective immediately for failure to comply.Signed by a senior vice president and then it says this is an attempt to collect a debt. Please help me. My husband and I are upstanding members of the community with a FICO of over 800. The last thing I remeber doing is requesting a credit which I received and when I wanted to cancel they mentioned that I had points and I should use them before I cancel the card. Another strange thing happened. I received a call from XXXX asking if I had requested a credit card be delivered to a XXXX XXXX in XXXX XXXX Florida. I said why would I do that? The person said that was why she was calling. Shocked I didn't ask for name incident number. I asked what credit card it was and she said she could not tell me and she would notify the issuer. I do not know if this was ever done, which card was it also part of the scam?
Company Response: Closed with monetary relief

Timely Response

2018-09-24

Written notification about debt

Debt collection: Other debt

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

Timely Response

2018-09-22

Ernul, NC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/XXXX I deposited a check for XXXX from a retirement fund. I had to cash out of my retirement fund early due to financial hardships. I called TD Bank on XX/XX/XXXX to find out when my money would be available and she told me it would be available the morning of XX/XX/XXXX. This morning when I checked my bank account it said there was a hold placed on the deposit. I called ( XX/XX/XXXX when they told me it would be ready ) and I was told there is a 6 day hold on my deposit because they needed to verify the funds. Why did one person say the XXXX and one person say I still have to wait 6 business days which is ALOT more than 6 days. They are now telling me that my money will not be available until XX/XX/XXXX!! I had to get that money because I desperately need it and now they are keeping it from me. I had to evacuate from my house in North Carolina due to the hurricane and now I dont even have money to get back there or buy a dehumidifier for my house that flooded. It's my money and their explanation was not enough. I want to access it now. I need my money now. They just want a hold on my account because I was overdrawn and they want to collect all their overdraft fees so I can be more in debt before I get my money.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-22

Randolph, MN

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: XXXX XXXX XXXX, This is my written notice, pertaining to a Finance Contract Violation of Refund/Credit for the Cancellation of Service Contract, Breach of Express warranty-State Law : Implied Warranty ( bought Service contract within the 90 days ) had repairs done at dealership, misrepresentation -mishandlings. First time purchasing a car through a dealership along with financing vehicle, and, purchased a Service Contract {$2400.00} included in Total Financing of vehicle. The Cancellation of Service contract was done on ( same day as repairs/problem with vehicle ) because of /results of : dealership misrepresentations of Service Contract ( prior to doing Any work on vehicle ) - from my understanding a service contract and bringing in to the dealership ( who sold vehicle ), the recently purchased- vehicle that, this type of work was done, Or/ Should of been done and inspected as general certification of a used vehicle, the -misrepresentations of coverage/use of service contract/processes to follow for service/repair - I then took my financed vehicle to another credit union, I recently came across the paper work for my vehicle ( for which I still have- to possibly- sell privately ) and realized that I was never credited to my Principle the {$2400.00} Service contract to my Principle Balance and, All during that time paying Interest on-and also ( Still was Never- done During the Time I refinanced/went through another credit union ). ( Curious as to what Smart Cash is? And to Whom an error of crediting to a wrong account? How that happens/allowed to happen when paper /trail verifies the fact accuracy ) A letter from dealership general manager response states a cancel check to Finance organization was sent to them from dealership and states the payment was to apply to lower the principle on loan ( for service contract cancellation ) and the " Cancellation Form says '' Selling Dealer is responsible for All Refunds '' CONTRADICTIONS Mishandling 's, Misrepresentations, Fraud.. The reasons as stated are for what is rightfully mine. I am seeking Reimbursements- the : Service Contract amount {$2400.00} plus Interest, and repair costs {$210.00}. Enclosed /Copies :
Company Response: Closed with explanation

Timely Response

2018-09-22

TX

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: XXXX MasterCard allowed some unauthorized charges on the account and after repeated attempts to resolve them, in the meantime they started charging my bank account WITHOUT my authorization. Out of frustration I paid off the account despite having unauthorized charges. To add insult to injury, XXXX then decided to charge me a return charge fee plus interest for the UNAUTHORIZED charge to my bank account. AND now they are charges late fees for unauthorized charges and unauthorized fees to my bank account FRAUD ON TOP OF FRAUD!!!
Company Response: Closed with explanation

Timely Response

2018-09-21

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-09-21

Manchester, NH

Managing an account

Checking or savings account: Checking account

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

Timely Response