TD BANK US HOLDING COMPANY

2018-09-11

Houston, TX

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Company Response: Closed with explanation

Timely Response

2018-09-11

Bronx, NY

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

2018-09-11

Ft Lauderdale, FL

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2018-09-11

Centerton, OH

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Complaint: I contacted XXXX XXXX credit and questioned them about my 0 % introductory APR. I had been being charged interest on my purchases and wondered why. If you go to the website like me, I saw a specific line that said 0 % introductory APR for 12 months. This was the reason I opened the card. I was told over the phone that this only applied to balance transfers. When you look at the website, you see were they write about the balance transfer APR. Directly below the bolded balance transfer info there is another bolded statement that says 0 % introductory APR for the first 12 months. I assumed that to mean that this meant upon account opening on all purchased items. Ive taken a picture of the website so an official could review the writings and misleadings. I feel that the marketing trick here was to bait me into believing it meant on purchases and balance transfers with the use of separate lines in bold on the website. I wish to have what I believed I would receive which is 0 % APR for 12 months on all purchases. Thank you for looking into this scheme.
Company Response: Closed with explanation

Timely Response

2018-09-11

Trouble during payment process

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

Company Response: Closed with monetary relief

Timely Response

2018-09-11

PA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: -XX/XX/XXXX : was supposed to get a refund of over 300.00 from Delta Airlines credited to my account. This has not happened. XXXX XXXX : cash deposits not immediately credited XXXX XXXX to present : rent and car loans repeatedly submitted and rejected, causing multiple insufficient fund fees and late fees XXXX XXXX to present : debits and credits posted in an irregular fashion
Company Response: Closed with monetary relief

Timely Response

2018-09-10

Brooklyn, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2018-09-10

Baltimore, MD

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2018-09-10

Orion Twp, MI

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

2018-09-10

Billerica, MA

Struggling to pay your loan

Vehicle loan or lease: Loan

Problem after you declared or threatened to declare bankruptcy
Complaint: In XX/XX/XXXX, I took out an auto loan through TD Bank for aXX/XX/XXXX XXXX XXXX XXXX. In XX/XX/XXXX, with less than {$2500.00} owed, I had to file Chapter XXXX bankruptcy because TD Bank refused to work out a payment plan on the remaining balance. That Bankruptcy was discharged and in XX/XX/XXXX, I filed for Ch-XXXX Bankruptcy to obtain a payment plan to payoff the TD Autoloan as they refused to restructure or give me any type of affordable payment plan. My Ch-XXXX was completed in XX/XX/XXXX and I was issued a final report showing that TD received the balance in full of their claim. I have been trying for 2 years to have TD Bank release the title to my vehicle to which they have vehemently refused. I have spoken to managers, customer service people, branch staff and at this point am considering legal action.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-10

FL

Incorrect information on your report

Mortgage: Conventional home mortgage

Complaint: I left the country and moved to XXXX in XX/XX/XXXX. I visited the local TD branch and changed my address to my XXXX address to receive my monthly bills. I was unaware that my mortgage was being unpaid as I did not receive any of the mail. I have never been late in paying the mortgage or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. Late reports were listed on the Conventional Real Estate MortgageXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and Home Equity Loan XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-09-09

Matteson, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-09-09

Ridley Park, PA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: T D Bank charge me for overdraft in which I had the account block on my business account if the funds are not in the account the transaction is not suppose to go threw. I see I buy something on my debit card it takes days to go threw. I also notice this time 1 transaction threw my account off and T D Bank charges me {$240.00} dollars for 1 transaction that the money was short on XXXX. I have been in a branch 2 times that there are not suppose to be no transaction be approved if the funds are not there. My next issue is that debit is suppose to be only approved if the funds are in the account. I did not agree to let transaction go threw my business account if the funds are not there. I also been to T D Bank about this and now this time 1 transaction cause me {$240.00} in over draft fees. My account is minus {$190.00} as to date for no reason due to the transaction throwing previous transactions off due to TD Bank not doing as we discuss. This is one of the worst banks I have had to deal with towards business. Month before my account was hack and while I was at the branch it took over 45 minutes to shut the account down. This as I was told was being doing by some company in XXXX as I was sitting at the branch in XXXX PA they was still making transaction it was cleared up 10 days later. My issue I should not owe no {$190.00}
Company Response: Closed with explanation

Timely Response

2018-09-09

La Cienga, NM

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

2018-09-09

Fort Macarthur, 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

2018-09-08

Albany, NY

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Company Response: Closed with explanation

Timely Response

2018-09-07

Rock Hill, SC

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

2018-09-07

PA

Closing an account

Checking or savings account: Other banking product or service

Funds not received from closed account
Complaint: I went into TD bank XXXX on XX/XX/XXXX, to revoke and auto transfer to my sons mothers ' account for my son as voluntary supplemental support payment. I did this transaction with a bank agent personally. During this time the account was started under the XXXX XXXX branding and the system used today is different, as I was told by the agent, therefore the agent had to contact a technical back office to be guided on how to revoke or stop the funds from depositing monthly on the current system. When he finally completed the task, he gave me an authorization and I signed the document. After the agent checked the transaction, he told me it was completed and told me to check back with him in about a month to make sure because sometimes it may lag for the process to complete, ( which I did ). When I checked back as told he asked me for my ID and allegedly accessed the system and told me everything is good. The following month or shortly thereafte, r I went in for good measure and asked the same, and again he allegedly checked and said everything is good. The reason for the stop of funds is because my son was no longer living with his mother because she put him out so he was with me and there was no reason for her to continue receiving the funds. Since I transact daily with card and other known auto debits using ( A i ) and phone assistance for monthly debits, I had no doubt that sitting with an agent through the process would be erred especially after an hour. On XX/XX/XXXX or XX/XX/XXXX, I went into a different branch near my home to bring a disturbing revelation to the customer service agent questioning this monthly transaction that I attributed to maybe a credit card deduction, that I may been unfamiliar with, only to find out that the funds were still being deposited to my sons mothers account despite the revocation a year ago. The rep tells me that the person that did the change didn't complete the process correctly and that it was not the banks fault because he is no longer with TD and I should have been checking my account, I was then went to the branch that the transaction occurred and spoke with a customer service agent, who tried to assist me by escalating the matter. When I returned to the branch on XX/XX/XXXX or XXXX to find out the status, the agent tells me that the banks position is that i should have been checking my account to make sure the withdrawal had stopped. Funny, I don't ever recall the bank or its agents telling me I should check my account to make sure it started, neither did the agent present any documents referencing any errors or time to remedy if noticed any errors. This type of funds transfer is not something you can do without the assistance of an in-person agent to start the process, but what this agent did, was pull out a brochure outlining that any errors should be brought to the banks attention within 60 days and the bank was only willing to refund for the 60 day limit. Ironically the brochure shown to me for the bank not to be responsible for their agents error was published date XX/XX/XXXX, so where was this brochure published in XXXX during the transaction to give rise to notice of the same? They showed me the next years stipulation to escape responsibility. I'm asking that you investigate the above complaint, because the bank suppose to employ persons knowledgeable in handling and managing transactions that can not be ordinarily handled by the customer in cases involving account to account transaction without their intervention and the customer signed authorization. I contend if this transaction was completely ( A i ) at the use of my hand on computer with nothing to sign but electronically and in my full control and I made the mistake by not following though, then it would be my fault with my money wholly because I missed a step or just didn't know what I was doing ... I would say that's on me I made the error, but when the banks agent does it, how is it not their fault with my money. Please intervene to have all the funds withdrawn from my account for that period returned to my account. The total withdrawn erroneously from my account.
Company Response: Closed with monetary relief

Timely Response

2018-09-07

San Fernando, 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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2018-09-06

Ewing, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-09-06

Alpha, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-09-06

CT

Incorrect information on your report

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

Account status incorrect
Complaint: I filed bankruptcy in XX/XX/2018 and TD Bank ( Raymour and Flannigan line ) charged off my account and is showing I still owe a balance on the credit report, but still filed their proof of claim. When disputed with the company I was transferred several times and finally ended up with a gentleman who informed me that I was out of luck to fix it.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-06

Atl, GA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2018-09-06

East Elmhurst, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-09-06

Delray Beach, FL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response