TD BANK US HOLDING COMPANY

2017-12-08

Green Bay, WI

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Since XXXX XXXX I have been trying and dealing with charges we did not make on our Target Credit Card. Targets self check out system has added multiple purchases to our card-some 3 charges a day and back to back days on products we have never bought and would never buy. I have tried calling a XXXX XXXX, who at first sent me a letter saying the charges were removed and make it seem like they fixed the problem. The person I spoke informed me there was no XXXX XXXX that worked with Target credit card services. Here are the charges we have faxed over 3 times, yet were told were never received : XXXX XXXX {$38.00} XXXX XXXX {$16.00} XXXX XXXX {$23.00} XXXX XXXX {$10.00} XXXX XXXX {$5.00} XXXX XXXX {$29.00} XXXX XXXX {$3.00} XXXX XXXX {$73.00} Also everytime I have called I have explained when I go to sign in, it says session has timed out, please resign in, so I try and resign in, only to get the same message. The last time I explained this, I was rudely told I can not access my account because my account is past due. This letter makes it sound like I should easily be able to access it, yet on the phone Im treated rudely saying my account is frozen because its past due? Also interest and finance charges keep being added to my " open account '' which is illegal to add these charges when there is a dispute on the incorrect charges. These charges added on need to be removed along with all of the interest and finance charges. My credit is perfect and we have never had outstanding credit card balances. My only mistake was being talked into opening this target credit card-which has been a nightmare to do with. I should have read the thousands of other peoples reviews of having this same issue happening to them. My question is why is target allowed to do this to people? How does a consumer get help for this? Sadly after desperately trying to seek help, I have found I am one of thousands and thousands Target does this too, thereally has to be a way for seeking help without having to pay for a lawyer, when we did nothing wrong.
Company Response: Closed with explanation

Timely Response

2017-12-08

NJ

Other service problem

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

Complaint: i tried to set up a XXXX XXXX account for purposes of trading crypto currency and TD Bank blocked me.
Company Response: Closed with explanation

Timely Response

2017-12-08

VA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I have 2 separate debits that were UNDER {$5.00} each that I am now being charged {$35.00} fees for each one. I was under the impression by the bank that debits under {$5.00} would not accrue a {$35.00} fee. This is absolutely outrageous and I was told that I would not be charged a {$35.00} fee for something under {$5.00}. I spoke with a customer service rep and was told not to worry about it, I would not get fees. In fact, I was told that " most banks to not charge fees for debits under {$5.00} ''. Why is this bank allowed to do this when I 've been told otherwise?
Company Response: Closed with monetary relief

Timely Response

2017-12-08

Bronx, NY

Closing your account

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

Company closed your account
Complaint: XXXX XXXX XXXX XXXX and bank are misleading and fraudulent. I was out of work for a total of 3 months in the transition of changing employment. I fell behind on payments and on numerous occasions called to ask for smaller payments or a payment arrangement. I was told " No, unfortunately we do n't offer any such program ''. Once I began working for my new employer, I made several other attempts in which I was again, denied payment arrangements to catch up with my account. The account was opened in XXXX and remained in good standing until this incident in XXXX. Furthermore, I finally spoke with a representative about 3 months later who offered a 12 month program. Very similar to the one I inquired about yet was always turned down. He set me up on monthly payments. However, little did I know that I would need to consistently chase XXXX XXXX XXXX once again, to ACTUALLY deduct these payments. After escalating the matter, A payment arrangement was finally scheduled for 12 months beginning XXXX XXXX XXXX XXXX. I received a notice in XXXX XXXX stating that my account will soon resume back to normal status once the plan completed in XXXX XXXX. Here we are, in XXXX XXXX and I have n't received any other notices from XXXX XXXX XXXX so I decided to call. I 'm also NOT ALLOWED To log into my account or event view any statement information since initially having the issue one year ago. I stated to the representative that I would like to continue making payments however, she notified me that my account has been closed since XXXX XXXX. This is outrageous! No one has mentioned, or disclosed this and I was notified that my account would resume normal status as of XXXX XXXX. They also failed to mail any letter or memo indicating this. The representative then told me that I would continue to not have access to any of my information online. However, they also discontinued sending me statements so I 'm blindy making payments and they refuse to disclose my balance, payments and any other charges they may be adding. Please assist with this type of credit card bullying. They took me for a ride this past year and now they refuse to disclose my information per my consumer rights.
Company Response: Closed with explanation

Timely Response

2017-12-08

Bronx, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I have been charged several over drafts fees with in the last 3 months the total is XXXX of over drafts fees which is outrageous. 4 of them I will be responsible for. td bank are scammers. its like I was forced to sign up for the overdraft protect plan. because live from check to check and I need to pay my rent and feed my child. how will I be able to provided for my child I will just like my money back from td AND IAM GOING TO CLOSE MY ACCOUNT.
Company Response: Closed with monetary relief

Timely Response

2017-12-07

Needham, MA

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Trouble using the card to spend money in a store or online
Company Response: Closed with explanation

Timely Response

2017-12-07

S Seaside Pk, NJ

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2017-12-07

Jupiter, FL

Problem adding money

Money transfer, virtual currency, or money service: Mobile or digital wallet

Complaint: Despite me entering my correct account credentials through XXXX to fund my new account, TD Bank is blocking me from transferring money into XXXX.
Company Response: Closed with explanation

Timely Response

2017-12-07

Hobe Sound, FL

Unexpected or other fees

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Company Response: Closed with monetary relief

Timely Response

2017-12-07

Jamaica, NY

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Company Response: Closed with monetary relief

Timely Response

2017-12-07

Santa Barbara, CA

Incorrect information on your report

Credit card or prepaid card: Store credit card

Personal information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2017-12-07

Ft Lauderdale, FL

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 began disputing the TD Bank, NA account that is reflected on my credit report, in XX/XX/XXXX with XXXX Credit Bureau. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX advising them that this account did not belong to me. As the report ( see attached ) from XXXX themself reflects that this account has me listed as an authorized user. Hence, as an authorized user, I am not legally responsible for this account nor do I have to continue to allow it to report on my credit reports. I have requested numerous times that XXXX delete this entry from my credit report ; however, to no avail. They are blatantly violating my consumer rights. On XX/XX/XXXX, I contacted XXXX by telephone ( XXXX ) to once again attempt to have them remove this account from my credit report. I spoke with Agent XXXX who stated that I must contact TD Bank for them to submit an electronic submission advising them to delete the account. Upon receiving this information, I contacted TD Bank at XXXX ( listed on my credit report ) to discuss this matter them so that they would indeed delete this entry from my XXXX report. To my dismay, I was placed on hold in excess of 3 hours and transferred from one department to the next ; however, no one was able to address my concern nor direct me to the department or contact that would handle this. On today, XX/XX/XXXX, I again contacted TD Bank at the number listed on my credit report only to be on hold again for over an hour and no one to rectify this issue. I AM DEMANDING THAT THIS ACCOUNT BE DELETED FROM MY CREDIT REPORT IMMEDIATELY!
Company Response: Closed with non-monetary relief

Timely Response

2017-12-07

NY

Getting a credit card

Credit card or prepaid card: Store credit card

Delay in processing application
Complaint: I purchased a phone from XXXX through XXXX XXXX XXXX. I read their terms and conditions and then I finished my purchase which led to them automatically applying for a XXXX XXXX XXXX XXXX on my behalf. I was notified that my XXXX XXXX XXXX XXXX was approved with {$3200.00} credit line. I was given an account number and I am registered in their system. I got the confirmation for the purchase and was notified that the order will be delivered within 2 business days after shipping. XXXX never shipped the phone! After waiting a week, I talked to XXXX customer service and they told me there is some unknown issue with the XXXX XXXX XXXX XXXX and I have to talk to them and advised me to cancel and reorder. I eventually canceled the order and tried to reorder in their website but it wasnt working, telling me that I dont have any credit line available in my account. I checked my account and it was showing {$0.00} credit line available and no record of any purchase or transaction on my account. Then I talk to TD Bank and they said the problem is not from their side and my account is under review and they are waiting for XXXX to confirm my order and there is nothing they can do about it. They kept passing me to the other party, XXXX and TD Bank, and none of them was taking any responsibility for the matter. Right now, I have a credit account opened in my name with {$0.00} credit line and a hard inquiry on my credit record as a result. It seems that they prefer to do nothing about it. I didnt get the product I ordered. I didnt get any credit line. Just an account opened in my name with zero use for me. I checked XXXX online forum and there are so many people having the same issue and they all got nowhere and very unhappy about it. It is definitely a known issue for them, XXXX and TD Bank, and it seems they decide to ignore and not recognize it. Here is some other people who experienced the same thing and got no help : https : XXXX https : XXXX https : XXXX https : XXXX
Company Response: Closed with non-monetary relief

Timely Response

2017-12-07

New Sharon, ME

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2017-12-07

Montgomery, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-12-06

MA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I received an online bonus offer to open a new checking account, and that if I made {$2500.00} in direct deposits, and maintained a balance of {$2500.00} for 95 days, I would receive an account opening bonus of {$300.00}. I received a bonus {$150.00}. I was told that the bonus was for a different type of checking account ( even though I followed their link for the {$300.00} bonus ), even though I made the appropriate direct deposits, and maintained an over {$5000.00} balance for over 95 days. I 've made a few calls into customer service ( on hold for over 30-45 minutes each time.
Company Response: Closed with monetary relief

Timely Response

2017-12-06

Houston, TX

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 set up on ACH with TD Auto Finance and had no issues until the last payment. They did not auto draft the last payment and I was not aware of this until I saw the mark on my credit report. I contacted the company and they said it was there policy to do this with every account. I should of been contacted by them by phone, email or even mail. They said they sent a letter stating this to an old address. They should realize that I am an upstanding customer after 60 months of payments with never being late once. They are refusing to take any blame in this and will not submit a reversal of the late mark with credit companies. I was told by the customer service that they would but then received a letter later stating that they would not. I have called back multiple times and spoke with a manager named XXXX XXXX with was extremely rude and not willing to help at all.
Company Response: Closed with non-monetary relief

Timely Response

2017-12-06

E Palo Alto, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2017-12-06

Weston, CT

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: TD Bank has continuously ignored our emails regarding their mortgaqge processing errors resulting in incessant delays which pressure us as the proceeds must be redeposited in a Roth IRA within 60 days to preserve tax benefits. At closing today errors still remained but we were forced to sign as the 60 day window is imminent. In addition we were informed that proceeds would not be paid until Monday XX/XX/XXXX because they specified a Date of Saturday XX/XX/XXXX which is a non business day. Their closing attorney told us we had no recourse on this because " it was a refinance '' We subsequently found this to be incorrect by consulting the CFPB web site.
Company Response: Closed with explanation

Timely Response

2017-12-06

NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: TD Bank has once again took out XXXX dollars out of my account for overdraft while I still had transactions pending. This needs to stop! I need every penny!!!!!
Company Response: Closed with explanation

Timely Response

2017-12-06

NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: TD Bank has a {$3.00} fee for using an ATM that is not owned by TD bank. They also charge a {$3.00} fee for balance inquiries on non-TD ATMs. On XX/XX/XXXX, I used a non-TD ATM, understanding that I would pay a {$3.00} fee. However, TD Bank charged me both a {$3.00} fee for a withdrawal and a {$3.00} fee for a balance inquiry despite the fact that this was a single transaction. I sent a message through their online banking website and received an answer indicating that they had not read my complaint. On XX/XX/XXXX I called the customer service line and gave up after a 20 minute hold time.
Company Response: Closed with explanation

Timely Response

2017-12-06

Jersey City, NJ

Other service problem

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

Complaint: TD Bank is blocking me from enabling external applications on XXXX exchange
Company Response: Closed with explanation

Timely Response

2017-12-06

MA

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 bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TD Auto Finance XX/XX/XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-12-06

Simpsonville, SC

Opening an account

Checking or savings account: Other banking product or service

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

Timely Response

2017-12-06

Bedford Park, IL

Written notification about debt

Debt collection: Credit card debt

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

Timely Response