TD BANK US HOLDING COMPANY

2018-08-18

Longwood, FL

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2018-08-18

Warren, RI

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-18

Rosenhayn, NJ

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I have been with TD Bank ( US ) for more than five years and then I received a letter from them on XX/XX/XXXX that they will close all of my accounts including my credit card accounts for no given reason. I did call the number was attached and the phone number was XXXX and I was told that they have the right not to give me any reason. I believe my right was violated and I was discriminated Because I have a XXXX XXXX XXXX name I never had any check bounce or overdraft in the last five years and I always have an extra phone in my accounts. And TD Bank representative told me that banking in in the United States is a privilege not a right which I could I was absolutely shocked by his answer.
Company Response: Closed with explanation

Timely Response

2018-08-18

Jupiter, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I filed a dispute after not receving a trial size of XXXX Capsules with TD Bank and no reply from company. Well, when I looked for the date of charge, I was astounded to see 2 charges. I was supposed to be charged {$4.00} for the sample capsules, I was instead charged {$9.00} on XX/XX/XXXX and I was floored to see a {$79.00} charge on XX/XX/XXXX. I emailed the company informing them I did not receive the trial of XXXX capsules and since I received no response, filed a dispute with my bank. Well the bank TD gave a provisional credit of {$79.00} and then reversed it. I contacted TD prior to receiving an explanation of reversal credit by mail and the bank forwards me a copy saying that the organization provided a confirmation of delivery from USPS which is laughable because someone several days prior brought me a water bill that was placed in their mailbox so to say the mail person is reliable, that is a no no. I indicated I never received anything from the company and do not understand why they are indicating the post office delivered as if they saw them put it in my mailbox. My complex has numerous mailboxes in the same area and I do not know if the mail carrier put in someone elses box, but there was certainly nothing received from this company in my mailbox. So, I contacted XXXX XXXX XXXX and they indicated to me that I disputed with my bank and the bank returned my money, when I was trying to explain they reversed because TD indicated your company submitted a copy of tracking from the post office indicating it was delivered in my mailbox when they mistakes all the time and had to make one in this situation as I never received. The company was extremely rude and nasty and I noticed that there was an English barrior, they seem to barely comprehend. Then I contacted TD again and explained and was told I would have to submit the dispute again, then when I contacted TD again for the status, a customer rep indicates they denied me again because the company is now saying I did not cancel. You can not return something you never received and according to the company and their guidelines, if you have not cancelled by 30 days they charge but they charged me prior to 30 days, they charged me on XX/XX/XXXX, then on XX/XX/XXXX and that is not 30 days. I never ordered this oil that they sent a copy ( picture ) of their product ( ad ) to TD Bank and now they are indicating that I did not cancel is why they are not refunding my money. Then they said if I contacted them first instead of TD informing that I didn't receive that they would have refunded my money and I informed them of the contact. I am sure they can go back and listen to that conversation. I am baffled as to why TD or this organization is not comprehending that I never received anything so their is not anything to cancel. This company has stolen my money, I never received a XXXX trial or anything, Company is showing that the mail company is saying USPS is showing tracking saying they delivered when a delivery confirmation is not a picture showing that anything was actually put in my mail. They can not say the mail carrier definitely placed anything in my box, because it was not and saying the mail carrier delivered/not cancelled is a way to fraudulently keep my money and TD going along with this pathetic excuse is unbelievable to me. If I would have received the items on the copy of the ad that was sent to TD bank, I would have gladly returned, that is not what I ordered so I would not have had a reason to keep it.
Company Response: Closed with monetary relief

Timely Response

2018-08-17

Unable to get your credit report or credit score

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

Other problem getting your report or credit score
Company Response: Closed with explanation

Timely Response

2018-08-17

Palos Park, IL

Closing your account

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

Company closed your account
Complaint: Two problems with TD Bank. 1 ) Prepaid TD Connect card in name of XXXX XXXX was closed by TD Bank, sometime in XXXX I believe. They stated my accunt was used to fund the card, so they closed it. There is over {$3000.00} on the prepaid card and we called 4 times for getting refund check mailed. 2nd call said have to wait 30 days after closing and checking will be mailed around XX/XX/XXXX. Called XX/XX/XXXX and they sent to escalation of what issue is. XX/XX/XXXX spoke to rep and supervisor who saw no status update and exclated again and asked us to call back yet again in a few days. Each time takes 20-30 minutes to talk to the right person and get information. There is no online access to the account and the card is closed, can't be used. There is only TD records of the over {$3000.00} owed and they can't figure out how to issue the refund. The closed account is XXXX XXXX XXXX XXXX. 2 ) 2nd issue is credit card in name of XXXX XXXX. Two payments were made of {$3000.00} each on XXXX and XX/XX/22 and the autopay was XXXX. TD took the autopay of statement balanced of {$6000.00} in addition on XX/XX/XXXX, creating a credit balance owed. TD acknowledged the mistake. I requested the credit balance 3 twices. I went through various security screens and the fraud department said they cleared the account. A refund check of {$1100.00} is owed and one department is not communicating to another. They can't figure out how to issue refund. I spent 59 minutes on the phone on XX/XX/XXXX from hold times to transferred about 5 times. We have cleared their fraud screenings on each phone call with text code to phone too and someone in fraud department said account is cleared. There is some incomptence with TD Bank that gives the appearance of Bank Fraud for illciitily holding funds that have been prepaid.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-17

Missouri City, TX

Incorrect information on your report

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

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

Timely Response

2018-08-17

Blue Bell, PA

Problem when making payments

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

Company Response: Closed with monetary relief

Timely Response

2018-08-17

MA

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
Complaint: I lost my credit card on my way to XXXX. As soon as I got there, I canceled the card and asked for an emergency replacement card under the terms of my XXXX agreement, as follows : The following statement was taken from the XXXX web site : If your card is lost, stolen, damaged or compromised, we will work with your financial institution to approve and expedite the delivery of an emergency card to you. XXXX XXXX XXXX XXXX XXXX XXXX are on stand-by. Call us toll free ( XXXX ) or call one of our global toll-free-numbers. I tried over and over again for 7 days to get a replacement card. XXXX could only tell me that TD Bank had not yet approved it. TD Bank said it was waiting approval. After a week, TD Bank said my request was denied and was unable to provide any reason for the denial, or any person who could explain it. This seems totally wrong for a person who has not had any late payments in over 25 years and has an XXXX credit rating to be treated this way. If they had provided a reason, I could have corrected any misinformation they may have had, and gotten the replacement card. As a result of TD Banks refusal to replace my credit card, I was later erroneously charged {$330.00} from a car rental company who was never willing to provide me with a car. When I returned from XXXX, I contested the charge for the rental car and {$330.00} was taken off my bill on XX/XX/2018, after which I sent TD Bank 3 different sets of information supporting my chargeback claim. On XX/XX/XXXX, the charge was reposted to my account. I was about to file a formal complaint at that time, but on XX/XX/XXXX, I was sent a letter stating that the dispute was resolved in my favor. However, to this day, they have refused to credit back my {$330.00}. It has been 23 days since the dispute was resolved in my favor. I called on XX/XX/XXXX and was told I would have to wait another 3 or 4 days. Today ( XX/XX/18 ), I spend an hour on the phone trying to get an answer. The answer I got was infuriating. I was told We made a mistake and you will get your refund within 14 days. That would be a total of 37 days that they have been holding my money without justification. I also have no reason to believe that they will honor the 14 day commitment. When I asked to speak to a supervisor, I was told that none were available, and one would call me back in 24 to 48 hours. I find this totally unacceptable when a charge appears on my account in less than 5 minutes, but it takes 37 days to return my money that they have because of their mistake. I was forced to pay them this money to avoid finance charges. So, I am asking for the immediate return of my {$330.00}, and that they pay a penalty to you or me for misappropriating my money and violating the terms of my XXXX agreement.
Company Response: Closed with monetary relief

Timely Response

2018-08-17

Philadelphia, PA

Fraud or scam

Money transfer, virtual currency, or money service: Money order

Complaint: On XX/XX/2018 I bought a {$640.00} money order and I filled it out to my landlord he calls me a week later saying he never got his money order for the rent so I called them when you ordered a number on a money order and they told me it was cashed XX/XX/XXXX so I paid {$25.00} to get a photocopy of the money order and the other paperwork tell me where it was cashed and all that so I don't get a police report and I take it to the bank TD Bank at XXXX XXXX XXXX XXXX I go in there and talk to XXXX who - vice president and I tell him what happened and he looked at my photocopy wanting his office prank it up on the screen and he said he knew what was going on the same guy was stealing money orders and checks out of the mailbox and he did it like 20 times he cashed yet he cashed my money order and everybody else is in his own name in his own account at the bank and none of the checks or money orders had his name on it he deposits on there and they gave him the money even though they weren't for him and now TD Bank and then mr. XXXX who XXXX was supposed to give me the number to the detective and told me to get on the caseload the number he gave me was the wrong number there was no detective there and every time I try to call back if you don't answer my phone calls you don't call me back I leave message they don't call me back I don't know what else to do I'm in a loss I got the police report the receipts everything my landlord is threatening to throw us out if you know he don't care what happened I'm scared
Company Response: Closed with explanation

Timely Response

2018-08-17

Lewisville, TX

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Complaint: I lost my card back in XX/XX/XXXX I have been calling XXXX and trying to dispute these fraudulent charges that were made. I called XXXX in XX/XX/XXXX and XX/XX/XXXX to have a card mailed out to me and it never arrived. I have written multiple letters to XXXX in regards of the fraudulent charges and I've even filed 2 fraud claims against these charges and late payments that occurred. they have failed to notify me by mail with the results of my claims. the last claim that was filed was in XX/XX/XXXX. I got off the phone XX/XX/XXXX to find out the results of my claim and they yet again mailed it to an incorrect address. every time I have called XXXX in regards to the lost card they never mailed me a new one I've had the statements mailed to me and they do not go back far enough from when the fraudulent charges were made that I specifically requested for. they recently closed my account due to inactivity since I have not had the card. there was a debt that was owed that I paid because I did not want an outstanding debt in my name, the balance was paid in XX/XX/XXXX .And they still reported me late for the month of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX even though I had paid it. come to find out my payment never went through due to an issue with my bank and automatic withdraw. I have tried everything to get this information corrected because it is an accurate, the charges and late payments that were made from XX/XX/XXXX to XX/XX/XXXX were not do to me. I have disputed it directly with XXXX and directly with the credit reporting agencies. XXXX had removed the account entirely from my report so there must have been something that they found that that supports my claim. This has caused me a lot of stress and heartache and I really just wanted to get it resolved.
Company Response: Closed with explanation

Timely Response

2018-08-16

Chicago, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: A XXXX account in the amount of XXXX and XXXXXXXX XXXX account in the amount of XXXX was open in my name I have been a victim of identity theft I been disputing these account since last year. I sent both companies police reports and a identity theft affidavits.
Company Response: Closed with explanation

Timely Response

2018-08-16

MA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: There have been times in which I had to overdraw my account just to get by for the week. I would note all my transactions ahead of time to make sure they had already been withdraw from my balance prior to overdrafting my account to avoid any unwanted fees. Regardless, I would be surprised by more fees than what I was expecting. I wanted to get to the bottom of this so I started to screenshot my mobile banking app with the menu bar down to show the date and time. It wasn't long before I realized I was being charged inaccurate fees and I could prove it. I went to a TD Bank branch and spoke with a manager and was able to show her the transactions that were already deducted from my balance and a positive balance still remained afterwards. She proceeded to return the unfavorable fees back to me and told me I was possibly charged due to the date and time the vendor closed their batch. Even that seemed like a excuse without much behind it due to the fact that overdraft fees are charged when the bank must cover the cost of a transaction which in this case the bank did not do that no matter when the batch was closed. The manager notified me that I was unable to get any future overdraft fees returned due to the fact that I was only eligible for one per year. That did not help in the long term aspect of the situation as this is continuous issue. I have enclosed screenshots to further show that I was charged 3 overdraft fees that should not be existent on my account. The screenshots from Monday will show all the transactions deducted from my available balance and a remaining balance of $ XXXX and all will show the same date and time. The screenshots from Thursday will show each of those transactions again but that I was now charged overdraft fees on those three transactions. Regardless, those funds were deducted from my account 3 days prior and even left my account with a remaining positive balance. I must state that two of the overdraft fees shown are indeed legitimate. I did overdraw my account Monday at approximately XXXX at an ATM to catch up from the past few weeks.The screen shots were taken moments before I went inside to use the ATM. However there are still a total of three excess overdraft fees that I can't find any possibility to be justifiable. I would like to bring attention to this matter and see if this can be resolved because a visit to the bank branch is no longer an option for me as I am immediately dismissed and they claim they can't help me and the fees are accurate. A call to customer service is also not an option because they are unable to see the proof with the screenshots over the phone and are also unable to see which items have been deducted from my account balance days prior.
Company Response: Closed with monetary relief

Timely Response

2018-08-16

Astoria, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-08-16

Washington, DC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2018-08-15

Ft Lauderdale, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-08-15

NY

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: I went to the this location to close an old checking account and request a new account and I ask to speak with Personal Bank not a Customer Services Representative the Representative XXXX XXXX NMLS # XXXX claim that she close my account and transfer my {$1800.00} to new account of Convivence Check and to leave {$69.00} in the for any pending transaction I explain to the XXXX that I need my debt card and she issue me so she gave me a temporary debt and I explain to this Customer Services Representative that I need my debt card. Because the Customer Services Representative was acting like a Personal Bank she did not process the debt card correct I went to use the debt card to pay for my Transportion back to XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX and it declined my transactions and when called the branch the could not explain why it did not work or why it was decline and I called Customer Number on the back of the card and XXXX the customer services represented informed that they could not see any other card that was issue to me temporary nothings. Is it legal for tellers and Customers Services to handled Personal Banking Matter with customer especial when you have request a personal bank is this legal? All misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulatons
Company Response: Closed with explanation

Timely Response

2018-08-15

College, NY

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Closed with monetary relief

Timely Response

2018-08-15

Avondale Est, GA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-15

Brookline, MA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-08-15

Bedford, TX

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 call the credit bureau about the inaccurate inquiries on my report. Their response was that i had to call the company who did the inquiring. Well i did call them right away and they said they would take care of it. They would not send me anything saying that they knew the inquiries were not mine or invalid. I then called the Bureau back and they said there was nothing they could do. Its been over 2 months still no answer. These are the companies and the dates of inquire. XXXX XXXX - Date - XX/XX/XXXX. XXXX XXXX XXXX - Date - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Company Response: Closed with explanation

Timely Response

2018-08-15

Glenarden, MD

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2018-08-14

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

2018-08-14

San Gabriel, 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

Their investigation did not fix an error on your report
Complaint: I was given a 30 day late mark on my credit report due to Nordstrom Card Services reporting inaccurate information. They did confirm that the error was due to them not having protective measures in place when a consumer sets up auto pay ; the consumer enters their banking account number one time only. There is no measure in place to confirm accuracy like there is on all other payment sites. After 4 years of 100 % on-time payment history, I was asked to re-enter my banking info. Un-beknown to me, I was missing a " XXXX '' ( so they say ). They were not able to withdraw the funds, removed my auto-pay and dinged my credit without notifying me.This resulted in a 70 point drop to my credit score. Had they had a simple verification step in place to protect their consumers this would not have happened. When I asked for confirmation that it was in fact my error, they were not able to provide it. Did I in fact in enter the wrong account number? WHO KNOWS? Could this have been prevented? YES! They refused to do a Goodwill Adjustment. A 70 point drop and it will remain on my credit report for 3 years. The financial ramifications of this due to the impact to my credit score will be huge as my fianc and I are buying a house in XXXX.
Company Response: Closed with explanation

Timely Response

2018-08-14

NY

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