TD BANK US HOLDING COMPANY

2018-08-26

Northdale, FL

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-08-25

San Jacinto, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: My vehicle sustained minor cosmetic damage and the insurance released a check to myself and TD Auto Finance as the payee. I forwarded the check for endorsement to TD Auto but they refuse to send the check back saying the repairs must be completed. The purpose of the check is to pay for the repairs which makes this request ridiculous. I have forwarded a written request to them and since I have made every payment on time I want either the check released right away or a payoff statement so that I can end doing business with them forever. Holding the check is harmful to consumers and most likely used by them to float their account.
Company Response: Closed with explanation

Timely Response

2018-08-24

Dover, DE

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 explanation

Timely Response

2018-08-24

Miami, 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
Company Response: Closed with explanation

Timely Response

2018-08-24

Arvada, CO

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: We have contacted TD Auto as our XXXX XXXX XXXX was deemed totaled by XXXX XXXX XXXX. XXXX XXXX was unable to get ahold of anyone at TD Auto and my wife and I took it upon ourselves to contact TD to help resolve the issue. We were able to make contact and provided the info to XXXX XXXX whom faxed over the letter of guarantee that needed to be filled out by TD Auto. Now its been over 8 days ( XX/XX/XXXX letter was faxed ) and they said it was sitting on someone's desk and he would try to rush it through. He did provide us with a number to call for any questions or to check in on where they were in the process.. well that number we call has kept us on hold for well over 10 hours still with no contact. We call customer service and they tell us 7 to 10 business days from the day we have reached out for example today they said another 7 to 10 business days. But yet they are now demanding payment on a loan that has been deemed a total loss and should have been paid in full by XXXX XXXX by now if it wasn't for TD auto dragging their feet trying to earn more interest money ... Fair practices act much???
Company Response: Closed with explanation

Timely Response

2018-08-24

Haverhill, FL

Money was not available when promised

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

Company Response: Closed with explanation

Timely Response

2018-08-24

Harrisville, NH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: For 4 years, paid my mortgage though automatic transfer from my TD BANK checking account to my mortgage that is also with TD BANK. My payment is deducted on the XXXX of every month. The account had suffcient funds available. On XX/XX/2018 the automatic transfer was attempted, and was rejected from TD BANK to TD BANK. They simply left the account unpaid, with no attempt at notification. No phone call, no letter, then they went back to deducting payments on XX/XX/2018. The payment shows up in my transfer history. They reported me as having a late payment to the credit bureau by over 45 days, They admit that their system rejected the payment, that the error was on their end, and they refunded the late fee. However they refuse to correct the credit mark. I have made payments in excess of my required payments, more than enough to cover the payment that they claim was missed due to their error - however they refuse to correct the credit mark.
Company Response: Closed with monetary relief

Timely Response

2018-08-24

Sacramento, CA

Closing your account

Credit card or prepaid card: Store credit card

Can't close your account
Complaint: This complaint is regarding my intent to discontinue my XXXX credit card ( XXXX card ). I've been out of the country for a month, which subsequently caused a missed XXXX XXXX card payment. In attempting to use the website, which is very and problematic and difficult. I ultimately had to call the XXXX XXXX-number and make my payments through that number. During the the conversation over the telephone with the credit card employee ( TD Corporation bank credit card ) I attempted to fix my access to my account electronically, with the credit card employee on the phone. None of their fixes would reopen my electronic account. I find the electronic account for XXXX XXXX card very difficult to use, so told the credit card employee I wanted to pay my account in full, which I did and close the account. I then explained her I wanted to close my account, so she transferred me to another bank credit card employee. This female bank employee on the phone wanted to know why wanted to close my account. When I explained it to her, and I must add I was civil and professional, she discontinued the call for no apparent reason. When I tried to call back the same numbers I had just used to contact the credit card company with it appeared my account had been electronically flagged and I was unable to get through to the credit XXXX card company of TD bank ( recorded voice told me to call back later and discontinued the call ). I feel this business practice is a way to frustrate customers and ultimately thwart the customers ability close their accounts. I have concerns hat this might be a deceiving way to take advantage of customers who aren't persistent.
Company Response: Closed with explanation

Timely Response

2018-08-24

San Diego, CA

Problem when making payments

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

Problem during payment process
Complaint: Starting XX/XX/2018 I made online payments through XXXXXXXX XXXX to my TD Bank Credit Card. I used the same payee as I have been using for the past 2 years without incident, no changes from my side. I made 3 transfers, {$2000.00} on XX/XX/XXXX, another {$750.00} on XX/XX/XXXX, and {$100.00} on XX/XX/XXXX. As of XX/XX/XXXX I started receiving calls from vendors I had made TD bank credit card payments to saying my CC was rejected. I went onto my TD bank online account and found the money was never posted. Beginning XX/XX/XXXX, 3 days, ago I started making strong and even frantic calls to both XXXX and TD Bank. TD Bank customer service rep I first spoke with told me that " I've been getting calls like this from XXXX customers all day ''. Later I spoke with a supervisor who told me that it was a known issue but that I had to call XXXX. XXXX employees contacted their 'back office support team ' and were told on two different occasions that my money was not only sent on the XXXX but SHOWN AS RECEIVED BY TD BANK. Yesterday XX/XX/XXXX they told me that they could not give me my money back ( as TD supervisor had told me earlier that day - go to XXXX and get your money back and then send it again to us! ). XXXX told me that they did not HAVE the money. They then gave me the tracing numbers on the 3 transfers which as you see below I gave them to level 2 support but have heard nothing back. For two further days I have spoken with XXXX and TD. Though XXXX has been pro-active, following through and phoning me back, to this moment TD has not contacted me once, instead I have to waste close to 30 minutes each call just getting through to the right team and getting a supervisor online. None of which have a clue and just say things like " this is being looked into '' and " this is being worked on. Starting 2 days ago I asked level 2 support credit card support supervisor at TD Bank ( I have names and ID number of at least her - she's very nice and caring but completely ineffectual ). for the following : a. WHO STOLE MY MONEY, I need to know where it is and stop getting the run around. Her answer is only " we are working on that but we were told to tell you to contact XXXX. b. I need a letter from TD bank absolving ME of this to send to my vendors/creditors since I am looking bad though I have done my duty to send {$2800.00} which has either been stolen, diverted or lost in the eithers! They said they would request this from Corporate and 2 days later I have not received anything. c. An explanation of what has occurred, no matter when I am given the money back ( which I of course will happen any day now ). Just now after another 2 hours bouncing between departments, I was able to find the phone number of the Corporate Complaint Center, I called and there is a machine I left a message.
Company Response: Closed with explanation

Timely Response

2018-08-24

Arco, CA

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

2018-08-24

Sandwich, MA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Closed with explanation

Timely Response

2018-08-24

Chesapeake, VA

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account information incorrect
Company Response: Closed with explanation

Timely Response

2018-08-24

Fort Mill, SC

Charged fees or interest you didn't expect

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

Company Response: Closed with explanation

Timely Response

2018-08-23

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

2018-08-23

Brooklyn, NY

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: I have A TD Bank on my credit report which is reporting wrongly. I have reached out to all three bureaus and TD Bank to make the necessary changes which they have not done. The bureaus are not consistent with which months they are reporting late. If they did a proper investigation they would all match up to be the same months. Which leads me to be concerned that it may all be inaccurate. .
Company Response: Closed with explanation

Timely Response

2018-08-23

Spring Hill, FL

Fees or interest

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

Charged too much interest
Complaint: I have asked XXXX XXXX XXXX card to work with me to lower my interest rates several times thru the ten yrs I have had this card. And they refuse to do so. I am never late with my payments and would like to be able to pay more on my monthly payments but can not afford too for their monthly payments are to high and I live on Social Security only. Thanks for taking my concerns.
Company Response: Closed with explanation

Timely Response

2018-08-23

Rockwell, NC

Incorrect information on your report

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

Information belongs to someone else
Complaint: To whom it may concern : I've recently checked my credit report and noticed XXXX has been reporting TD BANK XXXX on my credit file, This file is not my account and i am asking this account to be deleted today. XXXX continues to mix my name and credit profile with someone with the same name or similar spelling.No matter how many times i try to resolve this issue months later XXXX still finds a away to re add someones address, phone number and name to my credit profile. I have contacted XXXX many times about this issue and wait time to talk to a live person is usually an hour to a few hours to try to resolve this issue.
Company Response: Closed with explanation

Timely Response

2018-08-23

NJ

Problem when making payments

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

Problem during payment process
Complaint: On XX/XX/2018, I made an online payment from my XXXX account to my TD VISA ( a transaction that I've made monthly for over a year ) for the amount of {$3600.00}. After several days of not posting on my TD VISA account, I contacted XXXX and TD to determine what was happening. XXXX informed me that they have proof of payment, the funds were electronically withdrawn from my account, transferred electronically to TD VISA and were withdrawn by TD VISA. I also went online and saw the proof of payment document confirming what XXXX reported. However, TD VISA states that they have no evidence of the electronic payment and that they do not accept electronic payments, XXXX is supposed to send TD VISA a paper check for the amount. This was news to XXXX when I informed them of this ( TD VISA has never informed them of this and if it was the case, TD VISA should have rejected the payment ), and they noted that all of my payment electronic transaction from XXXX to TD VISA in the past were made via electronic transfer. XXXX is in the process of mailing the proof of payment document to TD VISA to show that TD VISA in fact did accept and withdraw the funds. I am very concerned that this is going to become an issue with neither institution accepting responsibility. Also, I made a second payment to completely pay off my card for {$17.00} and it is having the same issues. XXXX is also in the process of mailing this as well.
Company Response: Closed with explanation

Timely Response

2018-08-23

East Rockaway, NY

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Trouble using the card to spend money in a store or online
Company Response: Closed with explanation

Timely Response

2018-08-22

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-08-22

Cocoa, FL

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-22

Fort Mill, SC

Closing on a mortgage

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

Company Response: Closed with non-monetary relief

Timely Response

2018-08-22

Brooklyn, NY

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2018-08-22

Brooklyn, NY

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-08-22

Miami, FL

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