TD BANK US HOLDING COMPANY

2018-09-03

Brentwood, NC

Credit monitoring or identity theft protection services

Credit card or prepaid card: Store credit card

Billing dispute for services
Company Response: Closed with explanation

Timely Response

2018-09-03

Saint Paul, MN

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: XXXX XXXX via TD Bank does not allow payments other than the minimum amount through their automated payment system. This forces anyone who only pays through this system to pay interest at the end of a promotional 0 % interest rate since charges for device protection are added to the account balance each month. I spoke with a representative who informed me that " the system is set up to only allow the minimum due to be paid automatically. '' I believe this practice is unfair, at best, since many do not have access to free bill pay and predatory at worst - the minimum amount is the amount that would pay off the balance in time when other charges aren't added.
Company Response: Closed with explanation

Timely Response

2018-09-03

Staten Island, NY

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Complaint: i opened account in TD Bank online, because they offer {$300.00} for this. after i meet all criteria they did not post money on it. i contacted them and bank assured me, that money will be posted within 60-90 days. after 90 days of using my money ( it was serious amount! ) bank did not give me my {$300.00}. i contacted them and they told me, that i am not eligible for it, because i already had an account with them/. on my request to prove it, they promised to send me a letter. letter never received, because account never been opened. i want you investigate business of this bank, return me my money and stop theyr business in XXXX, as fraudulent.
Company Response: Closed with explanation

Timely Response

2018-09-03

Bronx, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Complaint: On XX/XX/XXXX, at XXXX XXXX ; I went to the XXXX Post Office ( XXXX XXXX XXXX XXXX in the XXXX to buy two different money orders for a total of {$1500.00} : {$800.00} and {$700.00}. I gave {$800.00} cash to the clerk and told him to charge {$700.00} and the money orders fees on my debit card. When I was putting my pin number I saw a total of {$1500.00} in the machine. The clerk put the receipt and the money orders in an envelope. On the receipt it is showing {$1500.00}. On the same day in evening, I checked my bank account when I realized that the clerk overcharged my card. All {$1500.00} instead of {$700.00} which represents {$700.00} money order and {$3.00} fees. The next day, early in the morning, I went to the Office to talk to the Supervisor. I didn't see him but I saw the clerk who recognized that I gave him the {$800.00} cash and he did everything right in the system but said he didn't know what went wrong. He made a copy of the receipt and took my phone number to call me back. He never ever called back. I called XXXX XXXX XXXX and I have a CA number : XXXX and a ticket number : XXXX. I went to the bank to change the card and claim my money. The bank misunderstood and gave me {$1500.00} credit. I called and the bank took the money ( {$1500.00} ) back. I made another claim and the bank gave {$800.00} credit, took it back, I made another claim again and and the bank gave {$800.00} credit, and took it back again. The bank said that after their investigation, there was no error occurred that day. I request the documents on which their decision based. They failed to provide those documents until now. The Post Office sent me a proof that they issued a refund of {$700.00}. I called them to rectify the amount. It has to be {$800.00}. They said it was corrected that I should be receiving my money 3-5 business day BUT NOTHING. The Post Office said to go to the bank and file a Regulation E Dispute to get my money back. Previously, I told the bank that the debit card I used to make the transaction is closed, if it will cause problem about the refund and they said no, and added that the money will go thru the account and the routing number to not worry. When I when to the bank with the proof that the Post Office issued a refund which I am not seeing, and I want to file the Regulation E Dispute, the bank refuse to do that twice in their office even online once. My fight is to get my money back. I dont know why the bank is refusing to do so. And the bank said it might be because the card was closed. I said to them : you told me that there is no problem about it. The bank should file the regulation E dispute to give me my money. I need your help to have my money back. If the bank keep refusing and the Post Office refused to use my account and routing number, who is losing? I need your help please. Thanks Attch ; -statement to the post office -receipt of the transaction - bank statement -copies of all exchanged e mails
Company Response: Closed with explanation

Timely Response

2018-09-02

Southern Pnes, NC

Getting a line of credit

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

Complaint: Opted out of all marketing three or four months ago. Current XXXX XXXX employee that must shred anything with my address for security reasons. Company XXXX XXXX XXXX sent me marketing with pre-approved offer anyway. Tried calling, line always busy or closed. Not interested in their trash.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-01

Gloucester City, NJ

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I have a TD bank account which was improperly handled and was changed without my permission from a student checking to a convenience checking account which by there own guidelines I am still eligible for ( the student checking ). Because of this I am being hit with approximately XXXX $ every time my account drops before XXXX . This is causing significant financial difficulty because Im on short term XXXX right now and have high medical bills from XXXX I had. I just thought the government should be aware of whats going on with TD and there shady business model with being coninously hit with overdraft fees while being less than a dollar short and multiple fees that are the result of not having enough money
Company Response: Closed with explanation

Timely Response

2018-09-01

East Rockaway, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: My name is XXXX XXXX. I reside in XXXX XXXX XXXX NY. I have been banking with TD bank for several years. On XX/XX/18 I lost my wallet containing my New York State Identification, Td bank debit card, Social Security card, and other pertinent information. Someone found my wallet and made several unauthorized transaction using my debit card. The fraudulent charges are as follows : {$2700.00}, {$150.00}, {$100.00}, and {$54.00}. all were made on XX/XX/18. I used my debit that morning to get a cup of coffee, and ran a few errands locally and was home by XXXX XXXX. When I started to get ready for my Friday evening events, I realized I lost my wallet. I immediately Notified TD customer service, They alerted me of all the unauthorized transactions, and although I notified them within 3-4 hours of the fraud, I was told the transactions were still pending and I would not be able to file a claim until the transactions posted to the account. The banking specialist said to call back in 4 days to make a claim. I did, I made a claim on XX/XX/18. When I called back a few days to find out the status of my claim, I was told my claim was denied because I made a claim the year before. I have made many phone calls, and written several letters pleading my case quoting their 0 % Liability Agreement, all have been unsuccessful. Because of my failure to resolve this problem with the bank I have been forced to file a civil suit in the XXXX county Small claims court. We have a court appearance scheduled for XX/XX/18 at XXXX XXXX. Index # XXXX. Im hoping you are able to help me resolve this issue amicably with the bank before my scheduled court date. My contact # is XXXX XXXX XXXX. Thank You.
Company Response: Closed with explanation

Timely Response

2018-08-31

Lynnewood Gardens, PA

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2018-08-31

Sandy Hook, MO

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2018-08-31

Palos Park, IL

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: An ex girlfriend of mine ran my credit in order to damage my credit. She was shopping for a car and decided to give my information to a few car dealers ... They then forwarded it to car finance companies ... ALL in ALL, 10 different companies pulled my credit on XX/XX/2018. I did not provide authorization. She did this without my consent. I wrote a letter to each company however they yet to remove it from my account.
Company Response: Closed with explanation

Timely Response

2018-08-31

Bayonet Point, 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

2018-08-31

Warrenton, VA

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2018-08-31

Patterson, MD

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: NOTICE TO CEASE AND DESIST Immediate Attention Required Pre-suit Letter Demand FINAL NOTICE XX/XX/XXXX TD BANK USA/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account ID # XXXX XXXX XXXX XXXX Account # XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account ID # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit File # XXXX XXXX XXXX Fax : ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. Washington, XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Office of the Commissioner of Financial Regulation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Account ID # XXXX XXXX XXXX XXXX Account # XXXX XXXX Credit File # XXXX XXXX XXXX XXXX : Defamation of Character For Libel and/or Slander ; Violation of FCRA ; Negligent and/or willful violations of the FCRA after notice of a dispute from the consumer reporting agency Dear XXXX XXXX XXXX and XXXX ; Under the laws in the State of XXXX, it is unlawful to make deliberate statements that intend to harm a persons reputation, defamation per quod and defamation per se, without factual evidence or based on hearsay. This letter hereby alleges violations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et eq., the XXXX Consumer Protection Act ( MCPA ), Md. Code. Ann., Com. Law 13-101 et seq., and the XXXX Consumer Debt Collection Act ( MCDCA ), XXXX. Code Ann., Com. Law 14-201 et seq., with respect to its investigation and reporting of accounts, by providing and reporting false information relating to my aforementioned account and defaming me through the reporting of this erroneous information The defamatory statements include, but are not limited to, the following : ( SEE ATTACHED ) On numerous occasions, erroneous information has been supplied to the Credit reporting agency, XXXX, and reported as such, to include not limited to the status of the account, terms, re-aging historical information, inconsistent reporting, balance, and validation and verification of such asserted balance, failing to reasonably investigate, knowingly and intentionally committing an act in conscious disregard for the rights of others, published material while entertaining serious doubts as to the truth of the publication or with a high degree of awareness of probable falsity or actual knowledge of falsity. False Claim & Falsified Account Details 1. Per the attached credit file the first delinquency occurred XX/XX/XXXX, per the attached statements, which fail to span the entire account term, a delinquency was charged on the XX/XX/XXXX closing statement date for XX/XX/XXXX time frame. *** Re-aging**** 2. Per the attached Credit Card Statements another delinquency occurred XX/XX/XXXX, which fails to match the attached Experian Credit File # XXXX XXXX XXXX dated XX/XX/XXXX. *** Re-Aging*** 3. Per Reconciliation Attached see attachment # 3, ALL PAYMENTS AND PURCHASES HAVE BEEN PAID IN FULL. 4. THE BALANCE CLAIMED IS THAT IN WHICH VERIFICATION AND OD VALIDATION HAS FAILED TO BE RECEIVED ( XX/XX/XXXX PREVIOUS BALANCE ), XXXX FEES AND INTEREST DISPUTED PER AFOREMENTIONED WITHIN THIS STATEMENT, AS WELL AS XXXX FEES AND INTEREST ( MOST OF WHICH WAS CHARGED POST CARD HOLDER CLOSING ACCOUNT ), XX/XX/XXXX. 5. PLEASE BE ADVISED. Per XXXX COMMERCIAL LAW 12-506 - Maximum finance charge -- Open end account ( interest and fees can not be calculated based upon this charge ) 6. For the aforementioned, reasons the trade line is being falsely reported and verified as accurate. Attachment # 1 .XX/XX/XXXX XXXX XXXX XXXX XXXX Credit File ( Closed account ) Attachment # 2 Numerous Credit Card Statements dating back from closing date of XX/XX/XXXX to XX/XX/XXXX Attachment # 3Account Reconciliation Credit Card Statements closing date of XX/XX/XXXX to XX/XX/XXXX If you do not cease all related statements a defamation of character lawsuit will be commenced against you. In addition, this shall serve as a pre-suit letter demanding that you provide written assurance within five ( 5 ) days from that date of this letter, XX/XX/XXXX, that you will cease and desist from making further factually untrue statements and delete all reported information duplicating misinformation forever. If you do not comply with this cease and desist letter within the aforementioned time-period then a lawsuit may be filed in the proper jurisdiction seeking monetary damages as well as pursuing all available legal remedies for your defamation. Under section 1681s-2 ( b ), it has been concluded that if the consumer can prove the credit information furnisher violated the FCRA negligently or willfully, the consumer may bring an action under state common law for defamation, slander or invasion of privacy. XXXX XXXX XXXX is hereby demanded upon to remove all credit reporting, collection and claim with any and all companies, credit reporting agencies and/or any other entities concerning the aforementioned trade line effective immediately for the said reasons.
Company Response: Closed with explanation

Timely Response

2018-08-31

Centerview, NC

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

2018-08-31

Delray Beach, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2018-08-31

Staten Island, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-08-31

Allendale, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2018-08-31

Washington, DC

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I checked my account on the morning of XX/XX/XXXX, I noticed I had been charged {$420.00} in overdraft fees. I was concerned as to why this happened so I looked through my account. A {$500.00} student loan payment I originally intended to be made on XX/XX/XXXX was mistakenly scheduled for XX/XX/XXXX instead. I was not scheduled to be paid until XX/XX/XXXX so the money deducted for the {$500.00} payment caused my account to go into the red. When I signed up for my account with TD Bank in XXXX I opted in for an alert when my checking account balance was low ( {$100.00} ). For some reason I never received that alert, thus I did not know that I was running a low balance and kept making purchases. On XX/XX/XXXX I went to a local branch where the Manager said she was doing me a favor by reimbursing {$100.00} of the {$420.00} to my account. I think this is extremely unprofessional to tell a client that you are doing them a 'favor '. I then called customer service and they only reimbursed me {$35.00}. In light of recent overdraft related class action lawsuits against TD Bank one would think they would do the right thing here and help their customer out. I have a clean record with the bank. There has been no other instance of an overdraft happening on my end. I want the remainder of my money back. It is disgusting that such a large institution knowingly takes advantage of its so called customers. Also, as a side note, when I spoke to customer service the first person I spoke with told me he already briefed his supervisor on my situation and that she was not going to reimburse me any more for the fees and then proceeded to ask if I still wished to speak with her. It seemed as if he was trying to convince me nothing more could be done and to silence me.
Company Response: Closed with monetary relief

Timely Response

2018-08-30

Brooklyn, NY

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2018-08-30

Staten Island, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-30

Wonder Lake, IL

Incorrect information on your report

Credit card or prepaid card: Store credit card

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

Timely Response

2018-08-30

Encino, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-08-30

Nyc, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: On XX/XX/XXXX I closed an account with TD Bank because it was drained of funds after my debit card was stolen. When I went to my local precinct to report it, I was asked for a copy of my statement from the account. I had to return to the bank a request a copy of last statement since it was removed from my online access. Once I was able to review the statement transactions for myself, I noticed a maintenance fee of {$15.00} on XX/XX/XXXX. I have requested reversal of such fees in the past since I am normally above the minimum balance. Now TD Bank says it can not reverse the fee since the account is closed. That should not stop TD bank from reimbursing me the maintenance fee. I have 3 accounts with TD Bank. All of my income goes through one of these accounts. In return, I get little or no interest. Banks used to allow automatic transfers between savings and checking accounts when the checking account became overdrawn. Now banks find more and more ways to fine its customers to receive income without any services in return. I want my {$15.00} back despite my account being closed. I closed the account because I used the debit card for this account for my daily purchases. Unfortunately, banks are not upfront about security with debit cards. I have found out the hard way that banks are resistant to correcting accounts that are hit by Debit Card fraud. Normally, if I catch a maintenance fee I request a reimbursement since I normally keep it funded by my primary checking account. I am a consumer who is tired of being nickeled and dimed by banks that pay hardly any interest if any through fees so as not to provide any value for their fee income. Im tired as a XXXX American reading how major banking institutions, including TD Bank, charge higher interest for XXXX, even if they have good credit, compared to their XXXX counterparts. I can have nearly {$40000.00} deposited with TD Bank which it uses to make money, but TD Bank still needs to charge me {$15.00} when it is holding thousands of my dollars while paying hardly any interest if any.
Company Response: Closed with monetary relief

Timely Response

2018-08-30

Wallingford, CT

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-08-30

Bellview, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response