TD BANK US HOLDING COMPANY

2017-10-12

Clifton Park, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA mortgage

Company Response: Closed with explanation

Timely Response

2017-10-11

Cheverly, MD

Closing your account

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

Can't close your account
Complaint: Because of astoundingly bad customer service, I four times in writing ( electronic ) instructed " Nordstrom '' VISA ( actually TD Bank ) to close my account and tender the approximately {$500.00} in credit balance. Each time, they demanded that I phone. When I returned from my church retreat, I phoned. I was placed on hold repeatedly, totalling about 25 minutes. Finally the attendant asked me to call again another day ... the person who wished to speak with me was not in, AND they did not know that person 's work schedule. This is so typical of the service I have received recently from them. Time to part company forever.
Company Response: Closed with explanation

Timely Response

2017-10-11

OH

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: In XXXX of XXXX I received a letter on a account that I had with TD Banks on a debt owed. On XXXX XXXX, XXXX I sent a letter to XXXX XXXX from XXXX XXXX XXXX stating that I had a dispute in the amount of money owed with this case and to see if a payment arrangement can be made. I also sent a copy of this letter to the XXXX County Clerks office for XXXX XXXX. On XXXX XXXX, XXXX I had a hearing with XXXX XXXX XXXX clerk. In attendance was a contracted attorney for the law firm, myself and the clerk. At this time I stated on the record that I accepted the debt and wanted to set up payment arrangements. After the hearing, the contracted attorney gave me the phone number to get in contact with someone at the XXXX XXXX office. On Tuesday XXXX XXXX, XXXX I contacted the phone number at XXXX XXXX. My call was routed to XXXX XXXX because she was assigned to my case. I left a message for XXXX to contact me. I waited a week then I called XXXX XXXX again and left her another message for her to give me a call. No call was ever returned. So at this time on XXXX XXXX, XXXX I decided to start voice record myself contacting the XXXX XXXX XXXX and asking for XXXX XXXX and asking her to please return my call so that arraignments can be made regarding my case. I would contact XXXX XXXX leave a message and wait for a week to see if she will return my call and them do the same thing all over again. Since I was n't getting a response from XXXX XXXX I decided to write a letter to her on XXXX XXXX, XXXX letting her know I had been leaving voice mail messages for her to contact me back on if payment arrangements can be set up. At this time I sent the letter certified with signature required and return to sender. XXXX received my certified letter on XXXX XXXX, XXXX and someone from the firm signed that it was received. On XXXX XXXX, XXXX I received a letter from XXXX County Clerks Office that a judgment had been made on XXXX XXXX against me due to not filing a response. This is bold face lie on me but also to the County Clerk who signed off on this. So on XXXX XXXX, XXXX I gave an attorney XXXX XXXX my information to see why did XXXX XXXX has lied and if it was legal. On my behalf XXXX XXXX contacted XXXX XXXX and left her a message that she was calling her regarding my case and how she lied to the court. It took 2 weeks but XXXX XXXX finally contacted XXXX XXXX back. The conversation entailed that yes an agreement can be made. I can either pay 75 % of the bill upfront or make {$50.00} payments monthly. I took the {$50.00} a month payment. XXXX XXXX contacted XXXX XXXX again and once again it took her about 2 week to respond back but told her that I wanted the $ 50 monthly payments, At this XXXX XXXX stated that she would contact me to set up monthly payments. She never called. Finally Attorney XXXX told me to contact her. On XXXX XXXX, XXXX I contacted XXXX XXXX to set up payment arrangements. At this time I recorded and spoke to XXXX XXXX 's and told her what Attorney XXXX said about the payment arrangements that was discussed with XXXX XXXX. XXXX XXXX would not let me set up payment arrangements because I stated I had an attorney. There were n't any notes with my account stating that XXXX XXXX ever spoke to Attorney XXXX in the 2 times they spoke in XXXX. So not only has XXXX XXXX has lied to the court she has now lied on a well respected Attorney meanwhile interest has now started to be added of over {$150.00} due to XXXX XXXX XXXX and XXXX XXXX scamming to get more money. XXXX XXXX told me that in order for XXXX XXXX to speak with me, I need to have Attorney XXXX to contact XXXX XXXX back and say I am allowed to speak to XXXX XXXX on my own. Attorney XXXX has contacted XXXX XXXX numerous times which have been documented and XXXX XXXX has not returned any of them. So since I cant contact XXXX XXXX XXXX on my own and Attorney XXXX cant get in contact with XXXX XXXX interest keeps going up making my bill higher.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-11

Patterson, MD

Other transaction problem

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

Complaint: ALLOW ME TO TRANSFER MONEY THROUGH XXXX
Company Response: Closed with explanation

Timely Response

2017-10-11

Phila, PA

Opening an account

Checking or savings account: Other banking product or service

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

Timely Response

2017-10-11

Chicago, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: This Target Credit Card was charged off at {$580.00}. I have not received any debt validation letters or anything verifying that the account is mine.
Company Response: Closed with explanation

Timely Response

2017-10-10

Dublin, OH

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
Company Response: Closed with explanation

Timely Response

2017-10-10

Marblehead, MA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Company Response: Closed with explanation

Timely Response

2017-10-10

Hamilton, NJ

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 explanation

Timely Response

2017-10-10

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-10-09

Chicago, IL

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 non-monetary relief

Timely Response

2017-10-09

San Diego, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-10-09

PA

Applying for a mortgage

Mortgage: Other type of mortgage

Complaint: We formed XXXX corporations for the purchase of a dental practice and its building. The first corporation is XXXX XXXX XXXX XXXX XXXX and the second corporation is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was to buy the dental practice through a practice loan and a line of credit, while XXXX XXXX XXXX was to buy the real estate/building through a real estate loan. TD Bank requested that XXXX XXXX XXXX XXXX XXXX pay {$4000.00} for a good faith deposit on the practice loan and {$250.00} for the line of credit. TD Bank did NOT request XXXX XXXX XXXX to put a deposit for the real estate/building loan. The purchase of the practice did NOT go through and we ( XXXX XXXX XXXX XXXX XXXX XXXX requested our good faith deposit back. XXXX TXXXX XXXX XXXX XXXX did not incur any fees during the process, but yet TD Bank felt that since XXXX XXXX XXXX ( a whole different corporation that we own ) incur fees from third parties, that they would transfer the money from XXXX XXXX XXXX XXXX XXXX 's deposit to pay the third parties fees without our consent. We talked to TD Bank about this, but the person in charge, XXXX XXXX XXXX TD Bank XXXX XXXX, does not care that he was taking money from XXXX corporation to pay the other. Instead of XXXX XXXX XXXX XXXX XXXX getting the full {$4200.00} deposit back, they will only give us {$760.00} back. We tried to contacting them, but they have been ignoring us. Once again XXXX XXXX XXXX XXXX XXXX DID NOT INCUR ANY FEES DURING THE PROCESS
Company Response: Closed with monetary relief

Timely Response

2017-10-08

NJ

Managing an account

Checking or savings account: Savings account

Fee problem
Complaint: XX/XX/XXXX I deposited to my savings account at TD Bank, a {$100000.00} check from my own US Dollar account at the XXXX XXXX XXXX. I consulted with the manager, XXXX, as to the time it would take for the funds to be available and whether or not there would be fees involved. She assured me that since the check was from a US dollar account even though in a XXXX XXXX, that there would be no fees and it would take 5 business days for the funds to be available. XX/XX/XXXX The funds had not yet appeared in the account so I consulted with the manager who was unable to find out any information as to the delay and suggested I call the foreign check collection division of TD. When I called I spoke first to XXXX employee number XXXX who was unable to help and put me through to XXXX in Foreign Check Collection. She initially said the delay was due to making the foreign exchange and when I informed her there was no exchange to be made since it was coming from a US dollar account, she said the manager who processed the check made a mistake in the way it was presented and therefore it would take 4 to 6 weeks to arrive. After several visits back to the branch manager, XXXX, and several more phone calls the funds were finally deposited in my account on XX/XX/XXXX. However the amount was not the face value of the check but XXXX or {$150.00} less than the full amount. XX/XX/XXXX I called the customer service number and got another run-around about exchange fees and when that did n't satisfy me ( since there was no currency exchange! ), I was told that the XXXX XXXX deducted the fee from the check and that TD did not receive the face value of the check. I questioned how it was possible that a bank would accept anything less than the full value of the check but got no answer. I called XXXX ( both the customer service line and the branch where my account is based ) and confirmed that they paid out the full face value of the check and that no fees were deducted. They also pointed out that had there been fees, they would have been deducted from my account, not the check. ( *XXXX XXXX offer these US dollar accounts so that their customers can use them in the U.S. with no fees, exchange or otherwise ) I then went back to the branch manager, XXXX , who said she would look into the problem. She later informed me that {$17.00} was a fee from TD which would be refunded, ( it was ), but that the other {$130.00} was a fee from the XXXX XXXX. She printed out a letter which was supposedly mailed to me showing these fees ( see attachment ). I remarked that the letter was meaningless since it gave no information as to which back supposedly charged the fee and moreover, there was no signature on the letter! She said that the one I would receive in the mail would be signed and left it at that. XX/XX/XXXX I called the customer service line at TD and asked to speak to a supervisor. XXXX, looked into the matter. He at first said he thought that the transaction had been processed as a bank wire and therefore the fee, but then realized that it was a simple check deposit and would have no fee attached. After putting me on hold he came back and referenced the same letter that XXXX had, insisting that the XXXX XXXX had charged a fee. When I informed him that I had already confirmed with XXXX that there was no such fee ( nor would there be ) he suggested that maybe there was an intermediary bank used ( as in the case of wire transfers ) and that they had charged the fee. I pointed out to him that if a wire fee had been charged that TD should refund it to me since there was no wire transfer! He suggested I go back to the bank manager and again call XXXX. Later that day I did receive the letter from TD but it still had no signature and therefore no one to hold accountable for the incompetence ( or fraud ) in this matter. XX/XX/XXXX I again called XXXX speaking to the assistant manager and confirmed that they had paid the full face value of the check to TD and that there were no fees involved. She said they do use an intermediary bank for wire transfers but, of course, since this was NOT a wire transfer, the money was sent directly to TD. I then called customer service at TD again, this time speaking to supervisor XXXX. After going through, once again, the usual nonsense about exchange fees and the XXXX XXXX fees, I told him that I wanted the {$130.00} repaid to my account immediately. He said he had no authority to do that and would have to request it though channels. I asked why I was not previously informed of these " channels '', got no answer, and said he could do that but I was still going to file an official complaint with the Consumer Financial Protection Bureau. I spent hours on the phone and going to my local bank branch to try to resolve this. Each time I got a different story and therefore have to conclude that either no one at this bank has the slightest idea of what 's going on, or there is deliberate fraud somewhere along the line.
Company Response: Closed with monetary relief

Timely Response

2017-10-08

Manchester, NH

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Other problem
Complaint: In the past few weeks I have made online pick-up orders with the Target store in XXXX NH. When I request a hard copy receipt at pick-up, they say they are unable to do so and I should receive one in my email. On several occasions, when I try to print one from my email, the first page is blank, and the next page does not include prices or dates. When I make an online order, I am unable/not allowed to print a copy of my order. When I complained to the store management, I was told that no one else complains about this and they are unable to give any receipt. I believe this is an attempt by Target to hinder their accountability to their consumers. Do I not have the right to hard copy documentation of transactions? Please advise. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. XXXX, NH
Company Response: Closed with explanation

Timely Response

2017-10-08

Simi Valley, CA

Problem with a credit reporting company's investigation into an existing problem

Credit card or prepaid card: Store credit card

Their investigation did not fix an error on your report
Complaint: Month after month XXXX is wrongfully reporting inaccurate information about my account status to the credit bureau. Since XX/XX/XXXX of 2017 they are reporting inaccurate balances and inaccurate payment status. I have contacted XXXX every month to fix this issue and every month they claim it will be fixed and is not. My balances are always wrong and when I call they say they are adjusted then a week later they are wrong again. My balances fluctuate because they are constantly adding and taking off late fees and I have never been late. The month of XX/XX/XXXX they reported I was late again when I was not and was told by their manager they would fix the error on my credit report. My credit has significantly dropped because of them and I 've lost an incredibly large amount of time every month trying to fix this issue and it 's just not fair.
Company Response: Closed with explanation

Timely Response

2017-10-08

Amherst, NY

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Closed with non-monetary relief

Timely Response

2017-10-08

Gloucester City, NJ

Incorrect information on your report

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

Account information incorrect
Complaint: TARGET/TB BANK REFUSES TO REAGED MY ACCOUNT AFTER ACCEPTING A PROPSAL ON XXXX XXXX, XXXX FROM MY DEBT MANAGEMENT PROGRAM XXXX XXXX XXXX XXXX. THEY CONTINUE TO REPORT LATE PAMENTS 30 DAYS FOR XXXX XXXX AND XXXX XXXX TO ALL THREE CREDIT REPORTING BUEARUS. I HAVE DISPUTED THIS WITH THE CREDIT REPORTING BUREAUS AND TARGET/TD BANK. WITH NO POSITIVE RESULTS. IN ADDITION, TARGET/TD BANK RECEIVED PAYMENTS ON XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XXXX, XXXX AND STILL CONTINUES TO REPORT 30 DAYS LATE PAYMENTS FOR XXXX XXXX AND XXXX XXXX. I HAVE PROVIDED DOCMENTED PROOF OF PAYMENTS MADE FOR THOSE MONTH BY XXXX XXXX XXXX XXXX AND RECENT LETTERS FROM TARGET STATING THAT THE INFORMATION REPORTED TO THE CREDIT REPORTING AGNECIES IS CORRECT. I CAN UNDERSTAND IF NO PAYMENTS WERE MADE, THEN I WOULD ACCEPT BEING REPORTED 30 DAYS LATE FOR THOSE MONTHS REPORTED, BUT PAYMENTS WERE RECEIVED BY TARGET, AND TARGET STILL REPORTED 30 DAYS LATE FOR XXXX XXXX AND XXXX XXXX, THIS IS UNFAIR. I HAVE ALSO ATTACHED A COPY OF THE AGREEMENXXXX XXXX XXXX XXXX XXXX MADE WITH TARGET/TD BANK WHEN THEY ACCEPTED THE PROPSAL ON XXXX XXXX, XXXX THAT STATES AT THE BOTTOM THAT THE ACCOUNT WOULD BE REAGED AFTEER THREE ( 3 ) CONSECUTIVE PAYMENTS. I HAVE ATTACHED 9 PAGES OF DOCUMENTATION TO SUPPORT MY CLAIM.
Company Response: Closed with explanation

Timely Response

2017-10-06

Kendall, 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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2017-10-05

San Francisco, CA

Other features, terms, or problems

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

Other problem
Complaint: In XXXX XXXX I received a general credit card XXXX not store credit card ) from Nordstrom 's I did neither apply for nor want. Upon contacting Nordstrom 's and talking to " XXXX '' on XXXX/XXXX/XXXX, I was told that since I " did not opt out by XXXX XXXX, XXXX '' from getting this card in a letter that they claim was mailed to me, this entitled Nordstrom 's to " upgrade me to a XXXX card ''. Not only was I traveling on business from XXXX through mid XXXX and had no chance to review my mail until some time after my return, I do not recall getting such a letter. Regardless of whether I did or not, a company should not be entitled to issue a credit cards without my knowing or approval. As the result of this object able practice, an inquiry showed up on my credit report on XXXX/XXXX/XXXX from TD Bank USA/ Nordstrom . I have built an excellent credit history/ score ( above 800 before this incident ) over decades and carefully monitor my credit. Having this inquiry on my record lowered my credit score by 19 points, not to mention that, had the credit card been lost or stolen, I would never have know because I did not expect it. I immediately requested this unauthorized credit card to be closed - along with my Nordstrom 's store card which I would have retained otherwise. This may have further reduced my credit score. I strongly object to Nordstrom 's deceptive practice without regard for the consumer 's credit record or risk of identity theft.
Company Response: Closed with explanation

Timely Response

2017-10-05

Brooklyn, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with non-monetary relief

Timely Response

2017-10-05

Charlotte, NC

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Closed with explanation

Timely Response

2017-10-05

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-10-05

Oceanville, NJ

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I made a prior complaint regarding the same issue and they tried to fix it than fixed it partially. I have tried over and over again to have the bank fix my mailing address issue. To date they still have not fixed this issue. I simply asked them to send my mail for all my accounts with Td Bank to my XXXX XXXX XXXX but some accounts they fixed while others they still have not fixed.
Company Response: Closed with non-monetary relief

Timely Response

2017-10-05

Phila, PA

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response