TD BANK US HOLDING COMPANY

2018-09-17

Bayside, NY

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Closed with explanation

Timely Response

2018-09-17

MD

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: The date is XX/XX/2018. After cashing my check of {$3000.00} from a teller in a TD Bank in New York ( XXXX XXXX XXXX, XXXX XXXX, NY, XXXX ), which I do not have an account with, I immediately tried to make a cash deposit in the same bank branch 's ATM, using a debit card from my own bank, XXXX XXXX. The cash deposit is {$2900.00}, because a {$7.00} fee was generated when I cashed the check ; the last four digits of the debit card number is XXXX. I put the XXXX debit card into the machine, no warning ; I put in the cash, still nothing ; and before I knew it, the ATM had counted my money and eaten it along with my card. I have made numerous attempts to contact TD Bank, but they refuse to give me any information about or support me with ATM Settlement because I am " not their customer. '' Their only suggestion is that I contact my own bank, XXXX, to file a dispute and get this solved in the back offices. I tried this, but XXXX was also avoiding the responsibility by denying my initial application for investigation, although later they have reopened the case under my request. Till tonight there is no update from either bank. I have the right to know where my money goes and reclaim it. TD Bank has no right to keep the money or refuse cooperation.
Company Response: Closed with monetary relief

Timely Response

2018-09-17

Newport Beach, CA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2018-09-17

Ardmore, MD

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-09-17

Maynard, MA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: XXXX to XXXX Td bank is processing transactions from high to low, rather than the order in which they are received. Transaction ( Re-ordering ) and when Transaction post to account to allow them to spread out the over draft fees. within a 4day period I was charged {$450.00} in over draft fees. Today I had founds available come to find out td posted {$170.00} in fees they say was from Friday, now my account is a negative XXXX and they will must likely change me another fee and a extended fee. I have XXXX kids one has XXXX my wife is not able to work every penny counts we live pay check to pay check, when I am wrong charge me but what td bank is doing Is deceptive and and should be investigated.
Company Response: Closed with monetary relief

Timely Response

2018-09-17

Queens, NY

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-09-17

Franklin, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-09-17

Ballston Center, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-09-15

CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: My husband had recently bought a XXXX XXXX XXXX for me to use XXXX XXXX took him for the loan. We gave a XXXX XXXX XXXX trade in and XXXX $ cash we paid 16 payments not one was late. He recently became a legal resident and we where told by our lawyer to report all the changes to social security, any financial places we owe money to to be transferred to his new social security and irs. So we did we contacting XXXX XXXX they changed all the information. We contacted safe one they werent able to since the XXXX XXXX was bought through them. There is XXXX XXXX I think he bought his truck here also and they couldnt change it eather. On XXXX XXXX XXXX XXXX repossessed the XXXX XXXX while I was at work. We thought someone stole it I called the police they told me no the financing company repossessed it. So we had to wait till Monday come Monday we contacted TD so they could tell us that my husband had gave information that didnt pertain to him. His elegal social security that irs gave us an itin number to use for it. So we where left without a car and he asked what is going to happen with everything we gave in for the car and the car payments they said you loose it. I know so many people this has happened to them and everything has been changed for them because we are trying to fix our wrong but i know that this happens to a lot of people too its not right. We are fixing our lifes and so big corporations can just keep our money??? I dont know what else to say I think this should not be happening to no one there should be some kind of protection for customers who want to buy things like this and then they just get taken for XXXX $ dollars later.
Company Response: Closed with explanation

Timely Response

2018-09-14

Key Biscayne, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On a monthly basis, I make a {$1000.00} mobile deposit from my XXXX Checking Acct. into my TD Checking Acct. XXXX for the sole purpose of making an internal transfer payment to my TD HELOC Acct. XXXX. This transactional activity is the only activity in my TD Checking account. The account is not used for any other purpose. This can be corroborated by reviewing all account statements since opening my TD accounts. Historically, funds have been made available to me " next day '' upon which I make an internal payment to my TD HELOC Acct. On XX/XX/2018, I made a {$1000.00} mobile deposit as described above. The funds have been Debited at XXXX and still being held by TD Bank. After calling TD Bank for clarity, I was told a 6 Day hold was placed on these funds for fraud concerns. At NO POINT has anyone from TD Bank contacted me to raise this concern or inform me of the extended hold. As a result, I now risk a late payment being made to my TD HELOC account, something I have NEVER experienced with any debtor at any point in my financial history. Consequences of a late payment may result in my TD HELOC interest rate being raised. I am concerned that TD Bank is utilizing a 6 Day hold on my mobile deposit in order to prevent me from making an on-time payment and in turn increase my TD HELOC interest rate. I feel taken advantage of and don't appreciate that I need to go to a physical TD Branch in order to resolve this issue. This is unacceptable. Deliberately making it difficult for a customer to make a payment ( as I have done consistently without issue or change in variables ) is in my opinion, manipulative and deceptive.
Company Response: Closed with explanation

Timely Response

2018-09-14

San Antonio, TX

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

2018-09-14

Goshen, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-09-14

Indianapolis, IN

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-09-13

Lake City, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-13

Dover, DE

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-09-13

Danbury, NH

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Company Response: Closed with explanation

Timely Response

2018-09-12

Lynn, MA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Company Response: Closed with explanation

Timely Response

2018-09-12

Sangerville, ME

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-09-12

CT

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: XX/XX/XXXX my account had a person addex to the acocunt as my son. his name is XXXX XXXX. my account was locked out due to chargeres being taken from my account. XXXX XXXX to b exact. i had called td fraud and told them i dont know this person and i dont authorize XXXX XXXX being taken out. i even got voice varified right after due to the fraudulent activities. i woke up on XX/XX/XXXX to two XXXX dollar XXXX transactions removed from my account. paid through XXXX. i had immediately called td and they tried to cancell the transactions but it was too late. i went to my td bank in XXXX ct. the branch manager told me a police report wouldn't change anything and that we just need to file a dispute.. the dispute was denied for geolocation was the same. i was then told by the fraud department a police report will help. so i went and got the report and then went bank to td in XXXX where XXXX the other manager failed to properly resend the dispute ... my 2nd dispute was then denied. when asking why they said the police report was never sent.. i called td in XXXX and XXXX the branch manager who " sent '' it in said it must of gotten lost ... she then blammed other people for her actions of this lost police report. she claimed other ppl handled it when she was the one who handled my second dispute then lost my police report. after callimg td fraud and managers i still got no where. td is telling me its my fault i allowed my sccount to be compromised.. i dont see how they are right when i called on the XXXX about the first XXXX $ being withdrawn.. then another grand was removed ... so XXXX just thrown away and td thinks my police report is a joke and told me to go XXXX myself because its not fraud. this is the most unprofessional bank I've ever dealt with.. from fraud to branch managers td had no idea how to handle this situation and it has left me fighting td for over a month and i still cant afford any of my bills or way of life ....
Company Response: Closed with explanation

Timely Response

2018-09-12

South Florida, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2018-09-12

Eight Mile, AL

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: This company has failed to respond to my numerous request as to the fraudulent account that is reporting to my credit report. I have been contacting the company asking for an investigation as described in the Federal Fair Credit Reporting Act!! I dont want any favors I dont want anyone to go out of their way I want them to do their jobs the ones they voluntarily applied for.
Company Response: Closed with explanation

Timely Response

2018-09-12

Paterson, NJ

Improper use of your report

Vehicle loan or lease: Loan

Credit inquiries on your report that you don't recognize
Company Response: Closed with explanation

Timely Response

2018-09-12

Lakewood, NJ

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-09-12

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 monetary relief

Timely Response

2018-09-12

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response