TD BANK US HOLDING COMPANY

2017-10-18

Queens, NY

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: On XX/XX/XXXX, the due date as it appeared on my statement, I paid in full the balance on my XXXX XXXX XXXX. Today my new statement was posted and I saw a payment due of $ XXXX. I called XXXX to inquire about this amount and was told it was a late fee. When I asked how there could be a late fee when I paid the previous bill by the due date they said it had to be paid before XXXX XXXX. This is outrageous, there is no mention of any such deadline on the statement, it simply says the payment due date is XX/XX/XXXX. Now that I think about this I suspect this happened at least once before, but I havent had a chance yet to look at my previous statements. When I asked how could I possibly know of any such XXXX XXXX deadline I was told I should have called before making the payment! I am not kidding. There is no way I am paying this fee, if I have to I will go to court over this I honestly can not believe it.
Company Response: Closed with monetary relief

Timely Response

2017-10-17

NJ

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Overcharged for something you did purchase with the card
Complaint: XX/XX/XXXX - order placed on www.target.com for {$550.00} worth of XXXX XXXX XXXX. Total paid was {$520.00} with red-card discount. XX/XX/XXXX - Contacted CS chat as cards never arrived. Was assured they shipped even though the label from XXXX XXXX denied it at the time. XX/XX/XXXX - Contacted their CS chat again, due to non delivery. Was told I needed to call. XX/XX/XXXX - Called XXXX CS - spent one hour on the phone straightening out the mess. Was told I waited long enough, consider the old order cancelled. Was recharged {$610.00} for the cards with expedited shipping. Received an immediate {$90.00} refund for the shipping. Was told to expect the {$520.00} refund within 7-10 business days. XX/XX/XXXX - reached out to CS chat again, as there has been no refund. Was told to call again. Sent a XXXX message as I could not call. XXXX response states they never cancelled, it was shipped and delivered, and pretty much OUR fault that they lied and did n't credit us immediately, and WE need to file a report. So I did. Here. This is most unacceptable. I would appreciate help in receiving a refund, as I have now paid {$1000.00} for {$550.00} in gift cards. I have also filed a report with the BBB.
Company Response: Closed with monetary relief

Timely Response

2017-10-17

NJ

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I am a freshman at XXXX College. I opened a student checking account with TD Bank because before I moved in, I spoke with a branch manager in the XXXX branch who told me his wife worked at the college and there was a TD ATM on campus. Not true. That means I pay {$3.00} every time I withdraw money. I try and get money when I buy items at the bookstore etc to avoid that fee but in my last statement, I noticed I got charged {$3.00} for a " Bal Inq Fee. '' I feel that this fee was not explained nor is it fair. I think they are taking advantage of me as a student and I want my money back for the fee ( and the {$1.00} paper statement fee too ), since I did not get told about that fee either. I am considering closing this account altogether since I feel that they misrepresented the ATM location too. I thought that banks were supposed to treat students fairly but that is not how it appears.
Company Response: Closed with monetary relief

Timely Response

2017-10-17

Newark, NJ

Closing an account

Checking or savings account: Other banking product or service

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-10-17

Allenwood, NJ

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: opened a dispute for items i never received, called td bank on the phone in XX/XX/XXXX wanted to dispute XXXX they told me i could n't dispute half of the amount had to do the whole amount which was XXXX, but i said i received some items and only wanted the XXXX cause i was promised to have parts by then. they put my dispute in for the entire amount. call them back and said that i talked to person sending items that they where coming. asked td Representative if something changes can i reopen dispute and he said yes. so in XX/XX/XXXX i called back to reopen 1st dispute and once again i said only wanted to dispute the XXXX and they wrote it up for XXXX after i told them it was supposed to be XXXX, they refunded me the money on XX/XX/XXXX. thought they settle it with company i bought from. 7 months go by and i get a letter stating they are reversing the charges back letter was dated XX/XX/XXXX, i did n't receive the letter till XX/XX/XXXX, and they are taking the money out on the XX/XX/XXXX which i did n't authorize. i went to td bank in XXXX and talk to a representative and tried to tell her that i need to reopen the dispute for the right amount that I 've been telling td was for XXXX and the response from td bank cause my debit card was a XXXX logo on it that there are denying cause i opened 2 claims. i gave the all the documents proving i never received the items with all the emails from vendor stating i asked for a refund and nothing came from going to vendor avoiding response from him. vendor scam or fraud cause still have n't received items so i feel i should have to pay for something i did n't get. now my bank account is in the negative and i 'm incurring charges.
Company Response: Closed with explanation

Timely Response

2017-10-17

Gardena, CA

Threatened to contact someone or share information improperly

Debt collection: I do not know

Contacted you after you asked them to stop
Company Response: Closed with non-monetary relief

Timely Response

2017-10-17

Bronx, NY

Incorrect information on your report

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

Account information incorrect
Complaint: This is in regards to TD Auto Finance reporting on my credit files. TD is reporting inaccuracies on my files. This account is closed and have been closed for over 2 years, yet TD is reporting this account as open. Also this is a charge off and in the payment status TD is reporting it as Charge off/Collection. According to the Fair Credit Reporting Act this is only supposed to be reported as a charge off and not as a charge off/collection. Another issue is that the amount that is being reported is incorrect. This account is closed and TD recently increase the amount of the charge off which is not accurate and TD can not increase this according to State and Federal Law. Also I want TD comments on this account to be removed from my files. According to the Fair Credit Reporting Act I can have any comments on the accounts on my file remove. Therefore I want all TD comments in the Remark Section to be removed Immediately. To this date I still have not received my personal properties from TD Auto, and also TD has sent me a letter stating that they were going to reduce the amount by {$400.00} after I filed a complaint through Better Business Bureau. So how is it that TD make this promise and never fulfil their promise. This is another act of deceptive practice by TD Auto. I have to pay over {$1000.00} to replace my belongs that TD Auto, and whoever acted on behalf of TD fail to give me back. Now I contact XXXX so that they can investigate this account, and they are telling me they cant investigate it. Now according to the fair credit reporting Act Credit bureaus are supposed to investigate any information a consumer challenge on their credit files. Now I want TD to fix their errors on my credit Files, and XXXX to fully investigate not partially, but in whole.
Company Response: Closed with monetary relief

Timely Response

2017-10-17

Bedford, TX

Incorrect information on your report

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

Account status incorrect
Complaint: on XXXX2017 XXXX erroneously reported to XXXX that they had closed my XXXX XXXX account ( ending in XXXX ) and opened a new account XXXX XXXX ( ending in XXXX ). This was not supposed to be reported like this and this adversely affected my credit score. I have communicated this to XXXX via 1 ) email 2 ) US mail 3 ) certified mail 4 ) phone and 5 ) fax I have credit alerts showing this reporting. I have sent this documentation to XXXX also through the above-listed methods. XXXX refuses to correct this error. I have also filed a dispute with XXXX. XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-10-17

Kansas City, MO

Getting a loan or lease

Vehicle loan or lease: Loan

High-pressure sales tactics
Company Response: Closed with explanation

Timely Response

2017-10-17

Manhattan, NY

Opening an account

Checking or savings account: Checking account

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

Timely Response

2017-10-17

CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: getting multiple calls a day from XXXX. Claims to be Target credit card debt collection, but asks for my bank account number. They are relentless in calling and online it seems that tons of people are being called as well. I am worried someone naive may give them their information.
Company Response: Closed with explanation

Timely Response

2017-10-16

La Jolla, CA

Incorrect information on your report

Credit card or prepaid card: Store credit card

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-10-16

Melbourne, FL

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2017-10-16

Staten Island, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with monetary relief

Timely Response

2017-10-16

Holden, WV

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2017-10-14

CA

Incorrect information on your report

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

Account status incorrect
Complaint: I HAVE NEVER HAD LATE PAYMENTS ON THIS ACCOUNT ( NORDSTROM ), I HAVE ATTACHED THE LETTER PROVIDED BY NORDSTROM TO PROVE THAT THIS ACCOUNT HAS BEEN APPROVED TO BE POSITIVE IMPACT ON MY CREDIT REPORTS NOT NEGATIVE, THEY HAVE GIVEN PERMISSION TO HAVE THIS NEGATIVE REMOVED FROM MY CREDIT REPORTS. PLEASE HELP ME TO HAVE ALL THE BUREAUS REMOVE THIS NEGATIVE MARK. THANK YOU
Company Response: Closed with explanation

Timely Response

2017-10-14

Houston, TX

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I sent 3 certified letters and the company has violated and failed too : 1. Required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which the company signed for my letter 3 times. I have retained a copy of the signatures and date of receipt, as well as a time-stamped copy of my credit reports, showing that company have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section. 2. Failed to provide copy of the original contact bearing my signature. This company has violated and is in non-compliance, per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). This company violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, and the company must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807- 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Company Response: Closed with explanation

Timely Response

2017-10-14

Lewisville, TX

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I logged into my online account today to make a payment, today is Saturday, XXXX/XXXX/XXXX, I noticed that my balance on my 0 % interest was higher than my spreadsheet shows it should be. I found that the bank has charged a late fee on Friday XXXX/XXXX/XXXX for a payment that was due on Saturday XXXX/XXXX/XXXX. When I called them, after waiting an extremely long time on hold, the lady told me that this is because they do not process payments on weekends, so the late fees get charged on the last business day. This is a very old trick that I thought had been made illegal for them to do several years ago. She said that it SHOULD be removed on Monday, however, I do not trust leaving it up to them to do this. So, now I need to remember to log in on Monday to check this and to keep an eye on them each month. None of my other creditors have to charge a late fee before the due date and then remove it if you pay before the due date ... This should be illegal to do - if you do not process payments on weekends, then do not make the due date on a weekend. See, it is an easy fix.
Company Response: Closed with explanation

Timely Response

2017-10-13

MO

Written notification about debt

Debt collection: Auto debt

Didn't receive notice of right to dispute
Complaint: Received a letter in the mail from XXXX, XXXX XXXX XXXX offering a 65 % {$7400.00} settlement for a XXXX XXXX XXXXrom XXXX. On XXXX/XXXX/XXXX, I and my XXXX XXXX called and spoke with XXXX XXXX of XXXX and offered a settlement amount of {$2200.00} and she stated she would have to contact TD auto finance to get approval for that offer. My XXXX XXXX and I attempted to call TD auto finance directly to negotiate settlement with them ; spoke with XXXX XXXX and she stated that she could not negotiate settlements because the debt was under contract with XXXX and no one could speak with us concerning the account. By XXXX there was no follow up called to myself or my financial XXXX. XXXX was called on XXXX by my XXXX XXXX to follow up on the initial request and there has been no response from TD Auto Finance. My XXXX XXXX then proceeded to request for a XXXX cancellation of debt and she spoke with a supervisor, XXXX XXXX, and XXXX stated that she would let TD Auto Finance know of the request for the XXXX C and also try to follow up with a response for the initial settlement offer. XXXX was informed that I could pay the settlement offer of {$2200.00} immediately but has not received permission from TD Auto Finance to accept the payment. I called today on XXXX to follow up and stilXXXX XXXX has not heard back from TD Auto Finance. XXXX XXXXlso could not submit proof or documentation that a Right to Cure letter was sent to me, I did not know that I was able to negotiate any settlement before the XXXX was XXXX. I or my XXXX XXXX have contacted the collection agency XXXX on 3 different occasions to settle the debt but have been unsuccessful due to no response from TD Auto Finance.
Company Response: Closed with monetary relief

Timely Response

2017-10-13

Pikeville, NC

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: On XXXX 2017 i received in mail at my mothers address banking check information of account through TD bank i did not open an account onlune wuth TD Bank received checks also linked to this account, i called them immediately out of concern and was advised the account would be closed if i did not open the account, i was transferred tp a fraud department whom advised me this would be taken care of no monies were put in the account but i advised them the person still have my social security number and name to use my information to open online i was advised they would send me something in writing i have not heard anything other than continue to receive statements about this account i am getting very frustrated because of this matter.
Company Response: Closed with explanation

Timely Response

2017-10-12

Arvada, CO

Incorrect information on your report

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

Account status incorrect
Complaint: I was on a payment plan with Target. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.
Company Response: Closed with explanation

Timely Response

2017-10-12

IL

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: Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.
Company Response: Closed with explanation

Timely Response

2017-10-12

Bohemia, NY

Identity theft protection or other monitoring services

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

Didn't receive services that were advertised
Complaint: TD Bank blocks external sources from accessing account which is inconvenient - I am trying to use " XXXX '' application.
Company Response: Closed with explanation

Timely Response

2017-10-12

Hi Nella, NJ

Managing an account

Checking or savings account: Savings account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2017-10-12

August F. Haw, CA

Fees or interest

Credit card or prepaid card: Store credit card

Charged too much interest
Company Response: Closed with explanation

Timely Response