TD BANK US HOLDING COMPANY

2018-08-30

Boston, MA

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 monetary relief

Timely Response

2018-08-29

Shulerville, SC

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

2018-08-29

Jacksonville, FL

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: On XX/XX/2018, I disputed an account with TD Bank NA that is on all of my credit reports. Thirty-three ( 33 ) days later, TD Bank authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. TD Bank dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. TD Bank also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. I am also including a copy of my credit reports showing that the account is still listed as my account. On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. I am providing evidence to corroborate my statement that TD Bank NA has violated the FCRA and FCRB and did not provide me within the thirty- ( 30 ) day time frame as required.
Company Response: Closed with explanation

Timely Response

2018-08-29

NH

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: TD Bank which claims themselves as Americas most convenient bank is in fact a XXXX company. The company falsely represents itself and has caused me and my company severe damage which can not be repaired. Their use of overdraft charges and lying has caused me great harm. The Company even went as far as defaming me to a police officer making false accusations. I tried as hard as i could to get my overdraft monies back, but they wont pay, and i ended up taking them to court this morning.
Company Response: Closed with explanation

Timely Response

2018-08-29

Atlanta, GA

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

Credit card or prepaid card: Store credit card

Their investigation did not fix an error on your report
Complaint: I reached out to the CEO of Nordstrom in reference to late payments on my credit report. Upon receipt of my email, Mr XXXX forwarded my email and documentation to XXXX XXXX for review. I explained my issue to Ms XXXX in writing on XX/XX/XXXX and XX/XX/XXXX and provided documentation. In XX/XX/XXXX, I lost both of my parents and my sister to XXXX, I was diagnosed with XXXX due to these losses, I was a victim of identity theft and I was on the verge of being evicted from my apartment. I was able to pull myself back up as I wanted the best for my 3 children and with the help of my remaining family and get my life back on track. I obtained a new position in XX/XX/XXXX with XXXX XXXX. With this new position, I was able to re-align my goals and finances. I knew that by the end of XX/XX/XXXX I wanted to become a homeowner and revive my credit history. With the identity theft issue, I had to get new bank accounts and cards. With the new position, I was afforded a new bank account with my new employer. It was an exceptionally busy time and my life as I was regaining MY LIFE and balancing a new career and being a single parent of XXXX children, I had not realized that I had missed my credit card payments as the bank account being used was the one I had closed due to identity theft. I was only notified of this issue by the bank and not by Nordstroms as I made purchases during this time.. This is in NO way how I wanted to regain my financial independence and credit worthiness. Once this was noticed, I immediately made a single monthly payment of {$600.00} to pay bring my account current and keep it current. I pay off my balance every month now. A brief look at my account will reveal I have successfully made on time and in full payments since my unfortunate oversight in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX.Recently, I have embarked on one of my major life goals, that is to purchase a HOME for myself and my children. However, this incident has come back to haunt me as these late payments are hindering my chances with a mortgage. I have worked extremely hard to get back on my feet, become financially stable and regain my credit worthiness. I am literally crying as I write this as I have come so far and I do not want my past indiscretions to hinder what I am working so hard on. Both responses from Ms . XXXX stated that the information was reporting correctly and that they are obligated to report account behavior accurately. I was requesting a goodwill late removal and I do not believe they fully investigated my hardship and saw that I have shown goodwill measure over the last 6 months, by paying my entire bill as well as paying my account in full each statement period.Attached you will find the identity theft police report, payment history to show I brought account current immediately, statement showing I carry no balances and last letter from Ms . XXXX.
Company Response: Closed with explanation

Timely Response

2018-08-29

So Effingham, NH

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-08-29

Key Biscayne, FL

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: I received a promotional rate of 0 % interest for 12 months. However they are stating that it was only for 8 months. Which according to them should have been from from XX/XX/XXXX until XX/XX/XXXX. I have copies of statements showing interested charged in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX I received partial credit for previous month. So this adds up to a total 4.5 months of promotional rate. All of this is documented in copies of their statements.
Company Response: Closed with explanation

Timely Response

2018-08-29

North Hollywood, CA

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
Complaint: A few months ago I noticed a charge on my XXXX card that was not authorized by me and it was done on my XXXX card from my cellular phone towards XXXX, a travel booking website. I have been having fraudulent issues which XXXX is aware of because I had to close all of my authozied user cards recently and reverse foreign transactions. When I noticed this travel booking I diputed it with XXXX but was not successful and was told I had to call my credit card company. Someone has hacked my emails, credit cards and telephone and was making nonchalent purchses to see if the card was working and open and then they would go ring it up at various webistes and stores. I am not sure what the fraud is or was but a lot of my crads have been compromised and all of my emails had to have new passwords set up. Our building has had endless mail theft and brake ins and my XXXX XXXX XXXX bills were also stolen, leading me to believe my cellphone was compromised and apps used on other devices tgatbused my login for XXXX. Who ever this is they have damaged my life for the past 8 months and XXXX is WELL aware of this and yet they have denied my refund! I am truly appaled at their horrible lack of sensitivity to my stress and ashamed that between the thousands I spend and pay back montgly they are refusing to believe me when I say my XXXX, mail and emails have been hacked as have my authorized user cards and apparently mine as well. We have police reports which I am happy to send but must obtain from our Homeowners associateion which can take weeks to mail out. Im just shocked at how awful XXXX and XXXX are treating me! If my {$370.00} is not refunded I am prepared with all documents and prooof to sue XXXX and XXXX immeidtaley. Shame on them for all the stress they are putting me through I deserve far more! I am a loyal and great cutsomer and have fallen into the hands of thieves and they could care less. Also, the documents and evidence they have mailed me from XXXX are terrible and not legible at all! I have attached everything to this complaint. Please reprimand XXXX and XXXX and investigate their unfair and scandlous actions against me. I cant imagine thinking I have to pay this!
Company Response: Closed with explanation

Timely Response

2018-08-29

Jersey City, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I'm literally up in knees exhausted with TD Bank. I had an overdraft and I quickly put the money in there so I won't get charged a fee. Two days later I get charged an overdraft fee. Apparently, there is no grace period which wasn't what I was told when I opened an account. Actually this never happened before as well so this is the first time I have been charged still even after the fact that I put funds to bring it to a positive balance. Also the fact I got charged XXXX it made my account negative which will result in another XXXX charge. I'm seriously consider closing my account and taking my services somewhere else. This is unfair.
Company Response: Closed with monetary relief

Timely Response

2018-08-29

Boston, MA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: TD Bank associates have been provided with several claims and supporting information pertaining the unauthorized use of my account information, unauthorized charges, and unauthorized electronic transfers and the issuance of a debit card to an unauthorized party. Administrative personnel from TD bank branches XXXX XXXX XXXX, Assistant Vice President, NMLS ID # XXXX and XXXX XXXX, Assistant Vice President, NMLS ID # XXXX have attempted to address my concerns after representatives requested for escalation. To this date, I am being prevented from accessing my bank account and information related to the claim presented for unauthorized transactions has not been provided. Personnel has said that the department that should respond to this issues has remain irresponsive and refused to provide a resolution. I have been awaiting for a proper resolution and the mitigation of my losses for a period of a month and 2 weeks.
Company Response: Closed with monetary relief

Timely Response

2018-08-29

Alta, CA

Getting a credit card

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

Application denied
Complaint: TD Bank , N.A . denied a credit transaction for XXXX upgrade program. It stated reasons which are inaccurate. I have well established credit over 30 years, no recent delinquencies, debt to income ratio is standard for credit card evaluations. The XXXX XXXX XXXX XXXX score provided by TD Bank is XXXX. I believe TD Bank , N.A . 's action in connection with this arbitrary and discriminatory. The offer of credit is also misleading. XXXX site offer as reflected by this link : XXXX XXXX XXXX offers zero interests for 24 months and upgrade option after 12 months with a purchase of a new phone. It also offers to wave remaining balance after 12 months with a new phone purchase. It does not say it would provide a credit card. However, after submission of the credit application, it discloses that that it is a credit card application.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-29

Kendall, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-08-28

New Rochelle, NY

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-08-28

New Rochelle, NY

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-08-28

Jupiter, FL

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: XX/XX/XXXX i was notified of a credit issue / found that a New bankruptcy was put on my credit report from XXXX / TD auto finance. they both had reported me late and wage earner plan chapter XXXX. / chapter XXXX was filed in XXXX they was only notified XXXX closed my account in XXXX and reported me late and discharged through bankruptcy. i reported them as inaccurate. I had a XXXX balance at the time that i filed in XXXX owed no money. i was never late on any payments now. 2 years later they put me down for a new bankruptcy and added 2 more years XXXX to get it off. They were not a part of my repayment plan. My chapter XXXX case closed in XX/XX/XXXX. paid in full / Paid TD loan off was never late and was not part of the chapter XXXX i paid on time outside of my plan. This has been misreported from the beginning and i cant seem to fix the errors on my own.I need some help. Recap i never owed XXXX any money never late and never was discharged under chapter XXXX TD paid in full on time never put in chapter XXXX bankruptcy. Both reported me to the three main credit company On XX/XX/XXXX as delinquent account
Company Response: Closed with non-monetary relief

Timely Response

2018-08-28

IL

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I want to bring your awareness to an issue I encountered on the morning of Saturday XX/XX/XXXX. I have a new Nordstrom credit card account, the first bill for which was due on or before XX/XX/XXXX. I logged into my account to pay my bill in full and the amount due was more than expected. However, there were no fees or interest charges noted ( nor applicable as it was first month 's bill and not late ). After speaking with customer service rep, she told me that my payment due ***was*** actually less than noted. After some prodding she told me that Nordstrom adds a {$25.00} late fee to all online accounts when the payment is due on a weekend, in anticipation of the bill not being paid on time. Yet there was not a single notation of a late charge, fees, interest, etc. on my online account - it just shows payment due, with the secret late fee incorporated into the amount due, and the due date. I would never have known this if I had not called customer service. I assure you, she did not waive a late fee. Yet, had I paid online, I would have had no choice to pay a late fee that wasn't even disclosed. I have to assume Nordstrom is making bank off customers just assuming that they are paying their amount due on time when actually they are paying their amount due + an undisclosed and irrelevant late fee of {$25.00}. I believe this is fraud.
Company Response: Closed with explanation

Timely Response

2018-08-28

New Rochelle, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-27

Boston, MA

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: I have a ( hard inquiry ) on my XXXX report from TD Bank reported on XX/XX/XXXX. I called XXXX, they said, I needed to call TD Bank so the can re-report the mistake or else it is going to remain on my report for 2 years. I called TD Bank, then TD Bank says, they have no record and no information and I should call back XXXX to dispute and delete it. They both blame each other and telling me the other party should and is able to initiate the deletion. I do NOT have a TD Bank Credit Card account, never applied for any kind of Credit, never applied for any sort of loan or any third party that is affiliated with TD Bank. My final hope is to contact you ( CFPB ) to see if you can investigate and somehow ask XXXX to remove this hard inquiry from my report because it is affecting my score for another year or so. Thank you! Copy of XXXX report : TD BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2018-08-27

Co Spgs, CO

Closing on a mortgage

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

Company Response: Closed with explanation

Timely Response

2018-08-27

La Vernia, TX

Closing your account

Credit card or prepaid card: Store credit card

Can't close your account
Complaint: Good morning, I have attempted to close all my TD credit cards ( XXXX, and XXXX ) but the agents have been unable to assist. I initially had requested deferment as my children were needing my assistance financially. That was not the case, I am requesting " all '' my credit cards to be closed effective immediately. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/2010. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-27

Fort Worth, TX

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: Purchased new vehicle and requested to have credit life and disability added to the loan however, dealership said this is not an option since i am in the military. Was told that the SSRA ( Soldiers and Sailors Relief Act ) prevents them from offering this product to me. Advised dealership that this only applies to active duty military, which I am not. I am a XXXX in the XXXX XXXX XXXX XXXX. Dealership also kept my warranty cancellation refunds and charged additional monies to the loan. Although I have a credit FICO score of around 780, i was still charged a 5 % interest fee on the loan
Company Response: Closed with explanation

Timely Response

2018-08-27

Ft Belvoir, VA

Struggling to pay your loan

Vehicle loan or lease: Lease

Lender trying to repossess or disable the vehicle
Complaint: Well last XX/XX/XXXX my XXXX XXXX was being repossess it was around XX/XX/2017 this account should be close already I did not make payment because my wife diagnose XXXX and XXXX XX/XX/2017 is been very hard for me to deal with my finncial stuation
Company Response: Closed with explanation

Timely Response

2018-08-27

Boca Raton, FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-08-26

FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/XXXX and XX/XX/XXXX of this year, TD Bank imposed overdraft fees and processed transactions in such a way as to cause excessive and unnecessary overdraft fees against my checking account. This is currently occurring again, and my account now sits at - {$15.00} as I have been assessed {$140.00} in fees over the last month, while my wife recovers from a XXXX XXXX XXXX an we have XXXX small children to feed. When I contacted them via secure message, I was first told that they could not help because months ago, they reversed a fee that was caused exclusively by an automatic transfer from my TD checking account to my TD savings account. I immediately reversed that transfer, before the fee was even imposed, and the money never left their bank. After that I received generic responses and finally, no response. On XX/XX/XXXX, an online utility payment came through as TWO charges ( without warning ), splitting the actual payment from the fee. Of course they run the payment first and then the small service fee, triggering 2 overdraft fees in the amount of {$70.00}. That same day, there are a number of XXXX and XXXX transfers finally released - but not before they process a phone payment. They save that fee for the next day, though, so I'm not expecting it and they can lump it in with another one. So then AGAIN, a transfer requested on the XXXX wasn't acknowledged until the next day, after a gas run that it would have covered. Another {$70.00} in fees, for that and the previous day 's phone bill. If not for the {$70.00} in initial fees, we wouldn't have accumulated the second {$70.00}. TD Bank claims that they process payments and whatnot in the order they're received, but they don't. They hold things in pending status, they lump together overdraft fees to suit themselves, and they refuse to work with us. They exchanged one unfair practice for another, getting rich off the poor. Now, most recently, they are forcing ANOTHER egregious fee on a {$2.00} XXXX XXXX trial - when the rest of the order already posted. That right there is an easy {$35.00} fee for them, plus the {$35.00} fee to pay our internet bill that had been cut off, overdrafting the account {$15.00} when we've been swamped with fees and no one there cares.
Company Response: Closed with monetary relief

Timely Response

2018-08-26

Wallington, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Late or other fees
Complaint: TD Bank without my knowledge or permission withdrew money from my checking account to pay the fee for my safety deposit box! As a result one or more of my checks drawn on my checking account bounced and TD Bank then charged me bounced check fees! I have always in my own hsvevmailed in a check to TD Bank to pay the safety deposit box fee!
Company Response: Closed with monetary relief

Timely Response