TD BANK US HOLDING COMPANY

2018-08-22

Norwalk, CT

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-22

Fort Lauderdale, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-08-22

Key Biscayne, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I was charged excessive fees by TD bank for the following dates and amounts : Tuesday, XX/XX/XXXX, in the amount of XXXX dollars, Monday XX/XX/XXXX, in the amount of XXXX dollars, Tuesday, XX/XX/XXXX, in the amount of XXXX dollars and Tuesday, XX/XX/XXXX in the amount of XXXX dollars. This is XXXX dollars in total for over draft fees. I attempted to reach out to a branch employee but When i attempted to go inside he branch, I was advised that they were closed, although there was 20 minutes still left until closing. May you please assist?
Company Response: Closed with monetary relief

Timely Response

2018-08-22

Staten Island, 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

2018-08-22

Lakeside, MT

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2018-08-21

Philadelphia, PA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: I tried several times in XX/XX/XXXX-XX/XX/XXXX to open a checkings account, and to my acknowledge i was unable to open a bank account because they were previous accounts open up in my name, that i was unaware of. My identity was stolen in XX/XX/XXXX, but apparently many things were opened, received, and borrowed under my name. i requested a report from XXXX XXXX, and to my knowledge these accounts does not belong to me. Please help me
Company Response: Closed with explanation

Timely Response

2018-08-21

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2018-08-21

Harvey, LA

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

2018-08-21

Cranford, NJ

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Closed with explanation

Timely Response

2018-08-21

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

2018-08-21

Wake Forest, NC

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

2018-08-21

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2018-08-21

Allerton, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-21

Peabody, MA

Managing an account

Checking or savings account: Savings account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2018-08-21

Maclean, VA

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2018-08-20

Seattle, WA

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Complaint: I opened a XXXX XXXX XXXX in XX/XX/2018. When it came time to make my first payment ( for a bill that was due on or around XX/XX/XXXX ), I first tried to make an online payment on XX/XX/XXXX and inadvertently entered the wrong bank account information online. This should have been an easy error to correct, but XXXX failed to notify me ( either by phone, mail or email ) that the payment did not go through. A couple of weeks later, after noticing that the payment had not been deducted from my bank account, and a couple of days before the XXXX XXXX XXXX bill due date, I attempted to make the payment again on XX/XX/XXXX with the online payment information that has been saved to my account. On XX/XX/XXXX, after noticing that the payment still had not been deducted from my checking account, I called XXXX XXXX XXXX customer service. Although I had signed up for email alerts and first attempted to make a payment several weeks ago in XXXX, that call was the first time I was informed by XXXX that my payments had been rejected, that online payments for the XXXX XXXX XXXX had been suspended, and that my XXXX XXXX XXXX had been canceled. I paid my bill over the phone with the correct bank account information ( which was deducted from my bank account the next day on XX/XX/2018 ). If XXXX had timely informed me when my first online payment was rejected, I could have fixed the bank account information and paid the bill well before the due date. When I complained to XXXX XXXX XXXX customer service about this lack of notice, I was told that XXXX had no obligation to notify me of returned payments or account closures. In fact, I did not receive a written notice from XXXX informing me that the online payments did not get processed until XX/XX/XXXX ( with the letter dated XX/XX/XXXX, the same day I called XXXX XXXX XXXX and made a payment via the phone ). That same day, I also received a letter from XXXX ( dated XX/XX/XXXX - the day before the letter notifying me that my online payments had not been processed ) announcing that they were closing my account because of too many returned payments. I used to be a frequent customer at XXXX but after my terrible experience with XXXX XXXX XXXX, I will avoid shopping at XXXX going forward.
Company Response: Closed with monetary relief

Timely Response

2018-08-20

Oxford, GA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: This problem is with TD Bank. They advertised that I would receive a {$300.00} promotion bonus for doing direct deposits of {$2500.00} in the first 60 days which was done. I opened the bank account on XX/XX/XXXX. The qualifying direct deposits were completed on XX/XX/XXXX. The transaction types were described in their statements as DIRECTDEP. Now TD Bank claims that these do not classify claiming that they were bank transfers. I think TD Bank is not honoring its advertisement promises. Please make sure that TD Bank honors its commitments and that other customers are not ripped off. Thanks XXXX XXXX
Company Response: Closed with monetary relief

Timely Response

2018-08-20

Library, PA

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

2018-08-20

Wallingford, CT

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Closed with monetary relief

Timely Response

2018-08-20

Hamden, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2018-08-20

Chester, VA

Incorrect information on your report

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

Account status incorrect
Complaint: I applied for XXXX credit card online and was approved and given an account number however I received a letter in the mail stating they need more verification for the account that was approved I provided that verification fax my credit report shows it was checked by XXXX it shows I have an open account by XXXX and after providing the verification requested they close the account which affects my credit report as well so my credit report was affected three times through a credit card application and XXXX refuses to do any repair basically they told me they made the mess and I have to clean it up.
Company Response: Closed with explanation

Timely Response

2018-08-19

Providence, RI

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

2018-08-19

NY

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX, my wife and I applied for a mortgage with XXXX XXXX XXXX. Our credit was and is excellent. We had and have sufficient income. We had and still have substantial liquid assets. All documents required were delivered to the XXXX branch. What ever was requested was delivered within two days time. At the end of XX/XX/XXXX, we received an email from TD Bank stating if they don't receive an insurance certificate form our condo association they will deny our mortgage. They already had the certificate. I called the regional manager who said he would look into the matter. He called back saying the certificate they have is on my insurance. I became very irate, explaining I never applied for insurance, and won't until we have a closing date. I believe the regional manager and the mortgage processor entered false, misleading and derogatory information in my file. I also believe they were reluctant to approve the mortgage because of my age. I was XXXX at the time. There was no other reason for their actions. My complaint is that I want a copy of whatever information is in my file.
Company Response: Closed with explanation

Timely Response

2018-08-19

Island Trees, NY

Trouble during payment process

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

Company Response: Closed with non-monetary relief

Timely Response

2018-08-18

Port Chester, 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