TD Bank, National Association Corporate

Complaint ID: 6916108

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

Sub-Product: Credit reporting

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Company: TD BANK US HOLDING COMPANY

Complaint: In accordance with the fair credit reporting act convergent account from TD Bank account number XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I would like the late payment reported to the credit buraus to be changed to paid as agreed on time.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6915462

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

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Subissue: Account information incorrect

Company: TD BANK US HOLDING COMPANY

Complaint: Allegedly on XX/XX/2017 this account was opened according to XXXX. But their is no paper trail at all on my credit report form XXXX everything is blank. On XX/XX/2017 XXXX & XXXX states this account was opened. XXXX has it marked as a charge off and XXXX marks it as paid off. Due to the inconsistencies between the 3 bureaus and incorrect information I'm sincerely asking you guys to please remove this derogatory account off of my credit report. I'm a military veteran that is trying to do major things for me and my family like get a bigger vehicle and purchase a home but this is one of the things that has me pigeonhold. As per the Fair Credit Reporting Act which touches on the the right to address incorrect information on your credit report, please remove this account I ask humbly. Thank you for your time.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6913755

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Deposits and withdrawals

Company: TD BANK US HOLDING COMPANY

Complaint: On XX/XX/XXXX I tried to make a cash deposit in the TDBank ATM at XXXX XXXX XXXX XXXX XXXX. The ATM took my cash, exactly {$500.00} and then malfunctioned and flashed a message indicating that I should take my cash. But there was no cash to take. I noticed that some bills were visible inside the slot but I could not get a grip on them. After some effort I did manage to extract {$40.00}. The ATM then messaged me to see someone inside the bank, and a few seconds later it said OUT OF ORDER '. I went into the bank and sat with someone who filed a complaint but told me she could not operate the ATM directly. Four days later I received a letter from TDBank denying my claim. But I noticed they had investigated the wrong ATM ( XXXX, XXXX ). I went back to the bank again on XX/XX/XXXX and was told the system was down. I left my information with a bank officer who assured me he would take care of my issue when the system was back up. I returned to the bank again on XX/XX/XXXX and was told my claim w as not filed as I'd been promised. A manager I sat down with filed a claim with the correct information ( I assume ). Today, XX/XX/2023, I returned to the bank for the fourth time. I sat down with the person who filed my original claim ( with the erroneous information ). She seemed very confused and unable to provide any useful information. After 30 minutes, I left the bank. They still have my {$460.00}

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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