TD BANK US HOLDING COMPANY

2017-10-28

Washington, DC

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Title loan

Complaint: Hello, I have been requesting TD Autofinance to send a copy of my vehicle title to the XXXX XXXX so that I can register my car in XXXX XXXX and they have failed to do so. I have followed the instructions provided by the XXXX, including trying to send the request form by fax and by mail ( multiple times ). I have also spoken with representatives over the past several months to resolve this and TD Autofinance has still not sent the copy of the title to XXXX. I really need to register my car in XXXX and need to have this paperwork done. This has been on-going for several months.
Company Response: Closed with explanation

Timely Response

2017-10-28

Patterson, MD

Incorrect information on your report

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

Information is incorrect
Complaint: XXXX has reported me late and i have not received a bill on the cycle reporting
Company Response: Closed with explanation

Timely Response

2017-10-27

El Portal, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-10-27

Macungie, PA

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Closed with monetary relief

Timely Response

2017-10-27

Queens, NY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: From when I opened my first checking and savings account with TD Bank, I was wary of charges and fees I wanted to avoid. I was told the account I opened was best for my needs as a college student and consumer. I was not explained about exactly what the overdraft policy and fees would be like but that I could transfer funds between my checking and savings. At one point, I was overdrawn often with {$35.00} fees several times per month. When I called customer service, I was told that I had a setting to accept overdrawn transactions which was why there were so many individual fees. Ultimately, I visited a store branch manager in XXXX XXXX, XXXX and spoke to the agent who opened my account at my local XXXX XXXX XXXX XXXX XXXX branch in XXXX 2017. They claimed they were unable to waive any fees. XXXX XXXX XXXX, the more responsive branch manager there said she would look into it and the agent would have her review it. I was told they were something additional she could do after so many fees on the account, especially since I was ready to close the account at that point. I also indicated and signed a document to make sure that overdrawn transactions would be declined to prevent the fees from being added on. Any transaction that would cause me to overdraw is no longer automatically authorized. This change never happened officially which seems why I received so many more fees, putting me deeper in a hole and loss of personal income to so many fees. The branch manager XXXX XXXX and I never spoke after and I lost her contact information directly. I tried calling customer service and that led nowhere.
Company Response: Closed with monetary relief

Timely Response

2017-10-27

Carver, MA

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 am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following unauthorized and unaware XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD AUTO FINANCE
Company Response: Closed with explanation

Timely Response

2017-10-27

Lb, CA

Struggling to pay your loan

Vehicle loan or lease: Loan

Denied request to lower payments
Complaint: My husband XXXX XXXX XXXX, XXXX, is XXXX XXXX XXXX with a history of multiple XXXX XXXX and XXXX with impaired thinking due to XXXX. He is not able to manage his finances and is solely dependent on XXXX social security per month. He rode on a bicycle on XXXX XXXX, XXXX and acquired a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA. The dealers falsified his income ( typed in ) with no verification of proof. They put his income as XXXX per month and that he has a job with XXXX XXXX ... ... None of this is true. They even completed his application on his behalf ( he is unable to write complete sentences and this can be verified by his personal physician ) to get his business. They then had him sign the contract. I tried to return the car XXXX days later and they would not accept it and the XXXX told him " GO GET A JOB ''. This is pure elder abuse. He is now XXXX months back on the payment and is unable to pay. The financial company ( TD Auto Finance, XXXX. XXXX XXXX, XXXX, XXXX XXXX ) told him that they would auction the car and he is responsible for the remainder of the cost of the car. He is now XXXX months back on his payment and is unable to pay. Please help us in rectifying this issue. This is pure elder abuse. Thank you. Account # : XXXX. .
Company Response: Closed with explanation

Timely Response

2017-10-26

AZ

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I am disputing the validity of the following charges listed below. Here are the facts regarded the late payment charges. 1 Purchased items totaling {$56.00} in XX/XX/XXXX. 2. I paid the balance due in full on Sunday XX/XX/XXXX at a Target store. The payment was due on Saturday XX/XX/XXXX. I thought that since the payment was due on a weekend, the payment due date is extended to the following Monday. I do not believe there should not have been a late charge. 3. On XX/XX/XXXX, I was charged a late fee of {$25.00} and interested of {$1.00}. 4. I contacted the call center and requested the late fee to be removed. I was connected to a call center was located out of the country and I had a difficult time communicating with representative. I was transferred a few times and then disconnected. After a few calls, I became frustrated and I stopped calling 4. On XX/XX/XXXX, I was charged a minimum fee of {$1.00}, no late fee and no interest. 5. During this period, I again make several phone calls to the call center in the XXXX. They would not remove the late fee. Again, I had a very difficult time with the call center personal. I would be transferred several times or placed on hold and forgotten. 6. On XX/XX/XXXX, I was charged another late fee of {$27.00} and a minimum charge of {$1.00}, no late fee and no interest. A total of {$55.00} balance due. This is the first of many violations of the credit card disclosure Act of XXXX, passed by the Federal Reserve Board of the United States. 7. The act prevents multiple penalty fees based on a single late payment. 8. In this case, there was only one transaction and that transaction was assessed a late fee in XX/XX/XXXX. The credit card issuer continued to assess late fees based on the same XXXX transaction. 9. On XX/XX/XXXX, I was charged another late fee of {$38.00} and interest charge of {$1.00}. A total of {$94.00} balance due. This is another violation of the credit card disclosure Act of XXXX, passed by the Federal Reserve Board of the United States. 10. The act prohibits the issuer from charging fees more than {$25.00}. The act also prohibits the credit card issuer from charging a penalty fees that exceed the dollar amount associated with the violation. 10. In this case, the total amount of the transaction was {$55.00}, so the penalties can not exceed this amount and the late fee penalty should not have exceeded the {$25.00} limit. 11. On XX/XX/XXXX, I was charged another late fee of {$38.00} and interest charge of {$1.00}. A total of {$130.00} is the balance due. 12. I have been informed by the call center that the late penalty fees will continue to be charged each month if the balance is not paid. 13. I was also informed that I would be sent to collections if the balance is not paid. 14. I asked if this was Targets policy and I was informed that they do not have to follow Targets policies because they are a separate company and are only contracted with XXXX XXXX. They are XXXX XXXX XXXX and not affiliated with Target. 15. On XX/XX/XXXX, I was charged another late fee of {$.00} and interest charge of {$0.00}. A total of {$130.00} is the balance due. 16. On XX/XX/XXXX, I was charged another late fee of {$27.00} and interest charge of {$2.00}. A total of {$160.00} is the balance due. 17. On XX/XX/XXXX, I was charged another late fee of {$38.00} and interest charge of {$3.00}. A total of {$200.00} is the balance due. 18. On XX/XX/XXXX, I was charged another late fee of {$38.00} and interest charge of {$4.00}. A total of {$240.00} is the balance due. I am requesting the initial late fee and related interest be removed. Upon reviewing my notes, it appears the payment was made timely. The payment was due Saturday XX/XX/XXXX. The representative at the counter was closing her register for the night. I said the payment is due today but since it is a Saturday does it matter if I make the payment the next day. Usually, payment due on a weekend are moved to the following Monday. Believing this was the case, the representative said it would not matter so I made the payment the following day on XXXX XXXX, XXXX. I had no idea that making a payment 1 day after the due date would result in over {$240.00} of charges. I also made many attempts to resolve this issue with the call centers located out of the country but they were difficult and would not discuss this issue. I understand why the call centers handled my issue in this manner. They keep transferring your call until you are disconnected or hang up. Surprisingly, there are no records of my calls. Additionally, this transaction has affected my FICA score. It has been around XXXX for many years and because of XXXX XXXX XXXX, my score has dropped to XXXX last time I checked. I also request that all penalties be removed and my FICA score be adjusted accordingly. Thank You
Company Response: Closed with explanation

Timely Response

2017-10-26

Spfld, MA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2017-10-26

ME

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have a loan with TD Bank in the state of Maine. My loan term was getting ready to expire and my statements reflected that I still owed another {$7300.00} +/- after the term was ended. I have been trying to get answers for the last two years as to what I need to do to fix this issue. I have even sent in financial paperwork for loan extension with other questions and was only told that the loan could not be modified and at the end of the term it would go to collections. I was trying to be proactive, to see what I could do to work this out with the bank, but would wait on hold to even reach someone for over 30-45 minutes and they would tell me I needed to speak with someone else. This would again place me hold for a long time with the same results. Just recently I sent an email to their online general box and have had no return response and it has been a few days. So still no answers and the term is now ending XXXX XXXX, 2017
Company Response: Closed with explanation

Timely Response

2017-10-26

Rehoboth Bch, DE

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I was charged {$100.00} in overdraft fees even though I put money into the account. I asked for {$35.00} to be refunded and that was refused.
Company Response: Closed with monetary relief

Timely Response

2017-10-26

Bronx, 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

2017-10-25

Thompsons Station, TN

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Complaint: TD BANK USA/TARGET CREDI XXXX XXXX XXXX XXXX, MN XXXX Target is reporting that I was late in XXXX. I have contacted them and they are not willing to help. I was not late. First, I tried to login to my account online and for some reason they locked me out. I tried calling and they refused to help me login. I went to the local Target and tried to make the payment, they told they could n't find the account. They were very busy that day so they asked me to leave the check with my account number and they would call the credit number and fix it. Apparently the payment was not applied. I tried calling them and stopping by and NO ONE wants to help me!
Company Response: Closed with explanation

Timely Response

2017-10-25

Alexandria, VA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: I spoke with my bank about excessive fees being charged to my account when I do not keep a minimum balance for my account. I have autopay set up for a host of bills ( student loan, cable, electricity, insurance, etc. ). I do n't necessarily keep up with the timing of the bills, which is mainly the reason people have autopays set up. An autopay withdrawal for a student loan combined with my university fellowship being paid several weeks late made my balance fall to {$2300.00} when it should be {$2500.00}. The following day my fellowship was paid. They told me that they educated me about the minimum balance that I needed to keep at an earlier date. On that occasion, my credit card company debited this checking account twice for two statements, making my balance fall low the first time. Again, that first time was out of my control. I explained all of this to TD, and they refused to waive the fees completely. I am not ascribing blame to TD, but being a little bit flexible with when people are debited and credited should be standard when assessing fees. Having a balance {$150.00} under the minimum balance for less than 24 hours is not good practice.
Company Response: Closed with monetary relief

Timely Response

2017-10-25

MS

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: I received a call from TD Auto Finance at my place of employment ( the number referenced ) and asked the operator to note that I am unable to receive personal calls at work. The operator said she would note my account that the number was not to be used for collection purposes. Yesterday, I received another call at my place of employment. I was away from my desk but saw the number on the caller ID. I sent a complaint through their communications system on the TD Auto Finance website with the following response : " Thank you for reaching out to TD Auto Finance to share your payment intentions. To have your payment intentions noted on your account, please call us at XXXX Monday through Friday XXXX XXXX to XXXX XXXX Eastern Time, Saturday XXXX XXXX to XXXX XXXX. Eastern Time, and Sunday XXXX XXXX. to XXXX XXXX. Eastern Time. If you have any other questions or need further help, please let us know. We value you as a Customer and are here to serve you. Thank you for choosing TD Auto Finance. Sincerely, XXXX XXXX Problem Resolution Specialist TD Auto Finance. '' Less than 24 hours later I received ANOTHER call at my place of employment.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-25

Charlottesville, VA

Other features, terms, or problems

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

Privacy issues
Company Response: Closed with non-monetary relief

Timely Response

2017-10-25

Flushing, NY

Getting a credit card

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

Application denied
Company Response: Closed with explanation

Timely Response

2017-10-25

Deerfield Beach, FL

Applying for a mortgage or refinancing an existing mortgage

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

Company Response: Closed with explanation

Timely Response

2017-10-25

Houston, TX

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Closed with non-monetary relief

Timely Response

2017-10-25

Spg Valley Lk, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX 's client XXXX XXXX is an identity theft victim. His information was used to establish a fraud account with Target credit service/TD Bank without his consent on or around the date of XXXX/XXXX/2016. He notified TD bank of this and was provided a fraud affidavit to complete and return ; which he did. As of this date however Target has not replied as to the outcome of the investigation results as is their obligation under the FCRA and has committed an offense.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-25

Toms River, NJ

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

2017-10-25

Opening an account

Checking or savings account: Checking account

Unable to open an account
Company Response: Closed with explanation

Timely Response

2017-10-25

Norwalk, CA

Incorrect information on your report

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

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-10-25

New Britain, CT

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Complaint: 15 Years Ago I had opend a Checking Acct with now which is ( XXXX XXXX ). In XXXX I had unexpectedly gotten a call from my landlord saying I had wrote him a bad check I do n't write bad checks if I do n't have it I will tell you I do n't have it and my credit score is over XXXX, after I had sent other checks out as well. Was n't sure if it was me reading my statements wrong or not so I went I got a print out directly from the Bank. The Print out had show 'd both ( Positive+Negative ) to my acct?? I had also deposited enough to cover all checks atleast per there statement that I was reading and thought. I kept getting overdraft letters in the mail and went to an Attorney, I was told to get out of that bank and since their was no ( Bank error notification ) on their print out then I was n't legally responsible for any fee 's. I switch 'd Banks and stop 'd all activitys with TD Bank. I had then went to XXXX Managers gave them their debit card back and had also made 2 phone calls from them and demanded all {$250.00} fee 's be waive 'd so I can close the acct officially. I was laugh 'd @ and told no. I told them I was taking Legal Action and also notifying cfpb. They did n't care and then said my avg daily balance was {$1.00}??? and when talking to them they tried to ( Trick ) me into admitting I was purposely writing bad checks and when it did n't work they then wanted to get their Fraud division involved to clear me and see if there was a possible theft going on.I said no and took action. I 'm reporting this for others to be aware of and to get this acct officially closed and fee 's waived which never should have been givin to begin with.
Company Response: Closed with monetary relief

Timely Response

2017-10-24

Ft Lauderdale, FL

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Closed with monetary relief

Timely Response