TD BANK US HOLDING COMPANY

2019-10-04

New York, NY

Unexpected or other fees

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

Company Response: Closed with explanation

Timely Response

2019-10-03

Rahway, NJ

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2019-10-03

Bremen, GA

Incorrect information on your report

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

Account information incorrect
Complaint: Hello, Target Bank is reporting on my credit report incorrectly. I submitted this account to a Debt collection company XXXX XXXX XXXX in XX/XX/2018. I was told that when I start the program, Target would re-age my account. I have been paying the agreed amount every since it was signed off on by Target. They have not done so,
Company Response: Closed with explanation

Timely Response

2019-10-03

Arlington, TX

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-10-03

Edgewood, WA

Problem when making payments

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

Problem during payment process
Company Response: Closed with non-monetary relief

Timely Response

2019-10-03

Wattenburg, CO

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Timely Response

2019-10-03

Saint Paul, MN

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: Multiple times I would keep getting a " technical difficulties '' message and could hardly work around their site. As a result, I was not allowed to make payments ( in addition to my auto-enrolled payments ) for weeks at a time. This impacts me in that I should have had lower principal being impacted by interest. By now it's a couple hundred dollars that I am behind due to their site issues. It is a complete joke to have a website and have it have no capabilities. Additionally, their website is so poorly laid-out and managed that you will have no idea what your payments are and how they are being applied ( principal vs interest ). They have a secure message option on the website, but they are incapable of responding via email through this option - you will only receive auto-replies that include symbols making it appear as if this whole thing is a scam ( still not convinced it isn't at this point ). These auto-replies are only capable of saying TD Auto can not respond via email and you must call them ... which is a waste of time, unless you enjoy sitting on the phone for an hour to remedy absolutely nothing.
Company Response: Closed with explanation

Timely Response

2019-10-03

Cocoa, FL

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: Obtained credit under XXXX FInancing for Unlimited Upgrades for mobile equipment. Ordered equipment through XXXX XXXX ( XXXX ) # XXXX a XXXX XXXX on XXXX XXXX. Was on back order. Shipped XX/XX/18 and arrived XX/XX/18. Purchased device under XXXX UNLIMITED UPGRADE ( UPGRADE EVERY 12 MONTHS NO QUESTIONS ASKED, ACCOUNT IN GOOD STANDING, HANDSET IN GOOD STANDING, ETC ) which REQUIRES one to use their XXXX FINANCING. I considered returning it when it arrived. Requested return shipping label. Decided to keep device, and did not return it. Account is in good standing, meets criteria for upgrading, and even received an upgrade email from XXXX telling me it was eligible for upgrade. I have attempted to upgrade the device from XXXX order under the UNLIMITED FINANCING TERMS AND CONDITIONS but since the returm was initiated and never completed, the order department is incapable of fulfilling the request " due to software issues. '' Specifically, their system ' can not fulfil the request because a return was initiated but you kept phone and even though you fulfilled the terms of the program and received an upgrade letter, we can not upgrade you because the system is not programmed /capable of addressing this. '' This is downright sales and credit fraud. Please address this. I can only use XXXX and have called 4 times and spent over 1.25 hours today on the phone trying to get a resolution, but they are unable to help, and I am stuck with a phone that I expected to be able to upgrade using their financing program. There is an incident # XXXX. Please help.
Company Response: Closed with explanation

Timely Response

2019-10-02

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-10-02

Audubon, PA

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-10-02

East Elmhurst, NY

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-10-02

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

2019-10-02

Five Points, NC

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

2019-10-01

Brooklyn, NY

Opening an account

Checking or savings account: Savings account

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

Timely Response

2019-10-01

Brooklyn, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2019-10-01

Beechhurst, NY

Opening an account

Checking or savings account: Checking account

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

Timely Response

2019-10-01

IA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: I am being sued by td bank ( target ) ... never got papers or anything knowing I could dispute this! Know nothing about this!!!
Company Response: Closed with explanation

Timely Response

2019-10-01

Atlanta, GA

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: I have received multiple phone calls and letters from an attorneys office that reports that they are acting on behalf of TD Auto Finance. The letter from TD Auto Finance/XXXX XXXX XXXX is very threatening and intimidating as they are stating Under Georgia Law I must pay this debt within a certain amount of days and will be responsible for attorney fees and interest if not paid. This has caused a tremendous amount of stress to my ongoing health and have no knowledge of this debt.
Company Response: Closed with non-monetary relief

Timely Response

2019-10-01

Manhattan, NY

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2019-10-01

Loganville, GA

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Timely Response

2019-10-01

Las Vegas, NV

Problem when making payments

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

Problem during payment process
Complaint: RE : Target Corporation " Red Card '' In anticipation of a service/store charge, I have made extra payment of {$3000.00} on XX/XX/2019 on my credit card. XXXX XXXX paid Target and release those funds thru ACH on XX/XX/2019. On XX/XX/2019, I received a notice ( text and email, as my alert is on for these situations on my card ) that I have exceeded my credit limit. I checked my balances both previous statements and current balances to understand what happened. I called Target customer service to check why my {$3000.00} was not being applied when my bank already paid them. They said they are putting a hold on that payment for 14 days to make sure that there's no issue with the payment with my bank. My option to get it released right away is to do a 3-way conference call with XXXX XXXX. This was a shock to me as I have to login to my account on the phone and then have Target listen in all of the verification to get to a XXXX banker. I had to do this twice as I was not comfortable the 1st time as I felt this was highly unusual. Anyway, after my 2nd call with XXXX, with all security verifications and with Target agent on the line, XXXX confirmed the ACH payment. Target then released the hold on the {$3000.00} payment. I do not agree with this practice of Target putting a 14 day hold on a payment that's been received already. It also puts me in bad credit situation because it shows I went over my credit limit as well and continue to be charged interest on the amount already paid. I think this is a very bad practice by Target and exposes me, the customer, to more fraud because of this unusual 3way conference call. I now have to figure out how to pay down this credit card without my funds being put on hold.
Company Response: Closed with explanation

Timely Response

2019-09-30

Bohemia, NY

Opening an account

Checking or savings account: Savings account

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

Timely Response

2019-09-30

Ft Myers, 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 non-monetary relief

Timely Response

2019-09-30

Eureka, CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2019-09-30

Middletown, CT

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with non-monetary relief

Timely Response