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I used to bank with TD bank and had a charge off amount on a checking acct i used to have. I moved from NJ to CA and had to close my account in 2010. However there is a charge off amount from 2013 oon my account, which does not make sense. What do I need to fill out to dispute this charge and mail it to TD bank?
Ishita, ALiso Viejo
March 15, 2015 10:31:39 PM
In reply to Ishita, ALiso Viejo
Thanks for reaching out to us, Ishita and sorry to hear about any troubles with a previous account. We can certainly point you in the right direction to resolve this.
Since we're uncertain from your message where the information regarding the charged-off account was reported, we'll provide a couple options for you.
If you were attempting to open a new account with another banking institution and this information was reported to them as an unpaid account, you may reach our Recovery Department directly at 800-354-9769, Monday through Friday 8:00 am to 9 pm; and Saturday, 8:00 am to 5:00 pm for assistance.
On the other hand, if you found this information on your credit reports and would like to dispute it, the Federal Trade Commission provides this page: http://1.usa.gov/1f6utCg which lists the steps you'll want to take to dispute this error. First, you'll want to report the incorrect info to the credit reporting company and information on how to do this is given there.
The other step would be to report this error to us, TD Bank, and you may review the info listed here: http://bit.ly/1riK35l, to do so. Please be sure to follow all of the steps listed on this page, and refer to the appropriate information available there depending on the type of account this was.
You may also wish to see: http://bit.ly/1uLQxMu for our Frequently Asked Questions about this process.
For any questions you may have, reach out to us on 888-751-9000, 24/7 and we'll be glad to help.
Thanks again for writing in, Ishita! Best of luck in Aliso Viejo and take care.
Katherine G, Mount Laurel
March 15, 2015 10:34:25 PM
1 person recommended this
In reply to Katherine, Mount Laurel
Will a new customer just opening a checking account enrolling in overdraft protection be denied transactions considering there is no regular deposit history?
July 6, 2017 08:45:18 AM
In reply to Shad, Philadelphia
Thanks for joining us, Shad!
It sounds like you've recently opened an account or are considering opening an account with us. We'd like to welcome you to TD!
Depending on what overdraft protection you've chosen, the limits of what can be used will vary.
If you've enrolled in Savings Overdraft Protection, the overdraft limit is based upon the balance available in your savings account. You should be able to make purchases or pay bills up to what's available in your savings account and those funds will be automatically transferred over to your checking account during overnight processing. For more information about Savings Overdraft Protection, we encourage you to click here: https://go.td.com/1lmjVaq to learn all about the benefits of this feature. As there may be a fee for this service, we recommend you also review our Personal Fee Schedule by clicking here: https://go.td.com/2kFZ5mK.
With any new account we include Standard Overdraft Service. This is a discretionary service that allows for TD Bank to approve checks, ACHs (transactions using your account and routing number), and recurring debit card transactions even when there may not be enough funds to cover the transaction. This does not include one-time debit card purchases. Overdraft fees would apply for any transaction that overdrafts the account, whether the item is paid or returned. You can find information about our overdraft fees by clicking the link for our Fee Schedule above.
We also offer TD Debit Card Advance which enables us to cover your everyday debit card transactions, even when there isn't enough money available in your account. This service works even for one time debit card transactions, including ATM withdrawals. TD Debit Card Advance is also a discretionary service, which means that the decision to pay is made at the time of the purchase and is based on several factors. For more information about TD Debit Card Advance, we recommend that you check out a couple of links with additional info. Click here: https://go.td.com/2exVmIX for details about the program and the fees involved. For additional information and restrictions, please click here: https://go.td.com/2q6qVgo.
With both Standard Overdraft Protection and TD Debit Card Advance, several factors are taken into consideration to determine the amount we'll allow your account to overdraw. This does include your length of time as a customer, as well as your average balance and number of recent overdrafts. The longer you're with TD Bank and fewer overdrafts you have, the more we may approve when you truly need it. We encourage you to compare all of our overdraft options to see what if what you're currently enrolled in may be the best option for you. You can do that by clicking here: https://go.td.com/2pYN3eS.
If you have any questions at all, please don’t hesitate to give us a call 24/7 at 888-751-9000 or stop in to see us at any local TD Bank Store. To find a Store near you, please click here: https://go.td.com/1nq31dc.
We're glad you've chosen TD Bank, Shad! Have a wonderful day!
Customer Service Team, Mount Laurel
July 6, 2017 08:45:46 AM