TD BANK US HOLDING COMPANY

2017-07-24

Lake City, FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2017-07-23

Wichita, KS

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Installment loan

Complaint: I purchased a phone from XXXX. Since getting the phone, I got my first bill where I was being charged twice for the same phone. I tried contacting both XXXX directly and the credit service they are doing their 2 year financing through, TD Retail Card Services. After almost an entire month they finally took the second charge off. Now they have charged me 2 months in a row a {$27.00} late fee, when I am paying the amount that it says is due {$37.00} on the due date online. It says the amount is processed on that day, and yet they charge me the late fee. They took the first one off but I have n't heard back on the second yet. I think after doing the math, they put the wrong payment due and it should actually be XXXX per month for a 24 month finance plan. But them messing up should not result in me getting charge late fees. I should not have to make up for their mistakes, which is obvious on their end from the amount of trouble I am having. And when I try calling I get put on hold and get the run around as nobody seems able to just give me what I feel should be easy answers. All of these issues should be very straight forward.
Company Response: Closed with monetary relief

Timely Response

2017-07-23

Portland, OR

Incorrect information on your report

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

Account status incorrect
Complaint: XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit reports.
Company Response: Closed with explanation

Timely Response

2017-07-23

CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I got a 6 years loan to finance my car. In order to payoff my loan sooner I made one small payment towards the principal and one large of XXXX dollars. My loan company applied those funds towards the principal, but they refuse to inform me, if I keep paying the normal amount on the due date, how many payments do I have left. I sent 4 messages already, all of them with generic answers giving me my old amount of payments, I called and the agent told me there is no way to know how many payments I would have left. Every single message I send is answered saying I paid 9 installments and I still have the 63 remaining ones to make it despite the fact that I lowered more than 60 % of my balance.
Company Response: Closed with explanation

Timely Response

2017-07-22

Memphis, TN

Trouble using your card

Credit card or prepaid card: Store credit card

Can't use card to make purchases
Complaint: XX/XX/XXXX I WENT TO TARGET TO MAKE A PURCHASE WITH MY XXXX CARD AND IT WAS DENIED. ADVISED TO CALL THE ACCOUNT MANAGEMENT NUMBER WHICH XXXX, SPOKE WITH A MANAGER NAME XXXX IN XXXX AZ ID NUMBER XXXX, HE INFORMED ME TO CALL MY BANK SO THEY COULD HEAR MY ACCT INFO ADVS IM NOT BECAUSE A PYMT WAS MADE ON XX/XX/XXXX, AND FUNDS CLEARED MY ACCT ON XX/XX/XXXX, HE ALSO ADVISED THAT IT SHOWS MY CLEAR MY ACCOUNT PYMT WAS CLEARED. HE ADVS ONCE I CALL MY BANK AND HE HEARS MY BANKING INFORMATION THAT MY CARD WOULD BE ACTIVATE AGAIN. I REFUSED THEN ASKED FOR HIS SUPERVISIOR HE REFUSED TO TRANSFER ME TO HIS SUPERVISIOR OR GIVE ME THE COPR OFFICE NUMBER. I ADVISED HIM ITS AGAINST THE LAW AND HE STILL REFUSED ALL INFORMATION. HE ALSO REFUSED TO GIVE HIS LAST NAME AS WELL.
Company Response: Closed with explanation

Timely Response

2017-07-22

Charlotte, NC

Incorrect information on your report

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

Account information incorrect
Complaint: I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.
Company Response: Closed with explanation

Timely Response

2017-07-21

NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Regulation E Electronic Funds Transfer Violation. Did not opt in and financial institution is still debiting my account and charging fees. Financial institution has no record of opt in. In XXXX of XXXX, I had spoken to my bank, TD Bank in regards to Overdraft fees that had occurred on my account. At that time, in speaking with the representative on the phone that I opened a 2nd checking account to help in preventing this from happening. It was explained to me that the 2nd account would prevent transactions from processing through the account that would place my account into the negative or if there were insufficient funds available, that said attempts at a Point of Sales System where the card would be swiped are declined. I wanted both accounts to be setup in the same fashion both only the 2nd and new account was. I had not fallen into negative on my bank account in said form to my recollection for some time until 2 days ago. On Tuesday XX/XX/XXXX... my account fell into the negative due to an electronic charge for the amount of {$190.00}. When I saw this, I immediately transferred funds to my account to cover the cost of that electronic charge but 2 charges on that same day of the transfer had been processed when they should not have been as I had originally thought my account would decline those charges as I had explained in XXXX of XXXX. Those charges were for {$4.00} and the other for {$1.00} resulting in {$35.00} overdraft protection fees each. But having thought the issue was resolved and my account was back into the positive, the next day I had run 2 transactions, one for {$4.00} and another for {$1.00} along with an overdraft fee of {$70.00} throwing my account in the negative once again. There following day ( today XX/XX/XXXX ) an automatic recurring charge of {$4.00} was posted to my account resulting in another overdraft along with another {$70.00} overdraft fee. Altogether, it would appear my account was charged for {$170.00} in overdraft fees where only 2 of them I completely understand that were posted through. The first for the {$190.00}, and the last for the {$4.00} as those were electronic charges already in motion to be charged. What I dispute are the other 4 instances that resulted in {$140.00} ( or 4 charges of {$35.00} in overdraft protection fees ) that never should have been approved in the first place. The bank issued me a courtesy refund on 2 of the charges bring it down to only {$70.00} in overdraft fees, but again this should not have occurred in the first place.
Company Response: Closed with monetary relief

Timely Response

2017-07-21

Wallington, NJ

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New Jersey ( XXXX ) XXXX XXXX XX/XX/XXXX Target Card Services XXXX XXXX XXXX XXXX, MN XXXX Re : Account No. XXXX XXXX XXXX XXXX Dear Sir/Madam : I am writing to you in regard to the above-referenced account with Target Card Services.. This letter shall serve to put you on notice that I am disputing this debt and, further, that I am requesting that this debt be verified in accordance with the Fair Debt Collection Practices Act. I am disputing this debt because ( 1 ) I was charged a late fee on XX/XX/XXXX after paying on time ( proof from the Target website and my bank account attached ) ; ( 2 ) When I tried to pay the actual, minimum amount due on XX/XX/XXXX ( {$30.00} ), they would not accept my payment. They called it a partial payment because I was unwilling to pay the late fee acquired the month before after paying on time. They offered to waive the fee off of the balance of the card instead of eliminating it from the minimum amount due. I still paid the {$30.00} due, and acquired yet another late fee. ( 3 ) I closed the account in XX/XX/XXXX, and although I have continued to make payments without making any purchases, the account balance has continued to increase and I have received a late fee each month after paying early ( proof from my bank account attached, as well as my Target account summary ). In fact, I have not made a purchase on this card since XX/XX/XXXX ; ( 4 ) Furthermore, the payments that I am making are being applied to neither the balance nor the payment amount due. I have made numerous efforts to speak with a customer service representative but have not had any success in resolving the issues. I was told by several customer services representatives that regardless of when I paid, the late fee is determined by when they process the payment on their end. In addition, on XX/XX/XXXX, I requested via a recorded line ( Target reference # XXXX, XXXX ) my itemized statements, as my balance has now increased {$1100.00}, starting at {$980.00} in XX/XX/XXXX, again without any purchases being made in between, and in fact payments being made totaling {$90.00}. Their response was that the company had no way to track individual purchases or produce itemized statements for Target Card holders. They offered to send the statements that are already available to me via their website, which only show the balance and the payment amount due. They are now also asking for a minimum payment of {$200.00}. Therefore, I am disputing this debt. In addition to calling their customer service representatives, I attempted to send a copy of this letter to Target Card Services alone on XX/XX/XXXX ( certified mail receipt attached ). I received a letter back signed only with someones first name - XXXX - stating without proof, that they were denying my request, because after reviewing the debt, she decided it was valid. She also closed the dispute without my consent. None of the actual issues were addressed, and she claimed that it was all started with a late payment in XX/XX/XXXX. Again, proof from my bank account as well as the Target website are attached, proving that I paid on time. A copy of this letter from XXXX is also attached. Finally, despite my payments, they have submitted several lates to my credit report regarding this issue. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your anticipated cooperation will be appreciated. Respectfully submitted, XXXX XXXX XXXX CC : Federal Trade Commission Consumer Response Center State of New Jersey Department of Consumer Affairs
Company Response: Closed with explanation

Timely Response

2017-07-21

FL

Improper use of your report

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

Reporting company used your report improperly
Complaint: they are saying I applied twice for a credit card and I did n't. then they refused to give me the card even tho I have good credit.
Company Response: Closed with explanation

Timely Response

2017-07-21

Bloomfield, CT

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2017-07-20

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

2017-07-20

Oldsmar, FL

Opening an account

Checking or savings account: Checking account

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

Timely Response

2017-07-20

Newark, NJ

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

2017-07-20

White Plains, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2017-07-20

Casa Blanca, CA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2017-07-20

Cooper City, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with explanation

Timely Response

2017-07-20

Fort Lesley J Mcnair, DC

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-07-19

Byron Hills, IL

Problem when making payments

Credit card or prepaid card: Store credit card

Problem during payment process
Company Response: Closed with explanation

Timely Response

2017-07-19

Newark, DE

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 non-monetary relief

Timely Response

2017-07-19

Burleigh, NJ

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-07-19

Fayetteville, AR

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 applied for car loan online and 10 companies did hard inquiry without my permission
Company Response: Closed with explanation

Timely Response

2017-07-18

And, SC

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Closed with explanation

Timely Response

2017-07-18

Nyc, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I am the power of attorney for my mother, who has XXXX XXXX . I opened a bank account with TD Bank which contains only her social security benefits and pension benefits, which are exempt from collection under state and federal law. My mother and I have the same last name, but different first names. I opened the account as the power of attorney, but the bank incorrectly placed my name on the account as a joint account holder. A debt collection law firm served the bank with a restraining notice based on a judgment someone obtained against me in small claims court. I returned the exemption forms to TD Bank and to the law firm. I returned them within approximately two weeks of receiving them. The letter accompanying the exemption forms was dated XX/XX/XXXX , but I did not receive it until XXXX . There was no post mark on the envelope. I consulted with a lawyer and returned the exemption forms within a few weeks of receiving them, indicating that the only money in the account was my mother 's money, so the account should not have been restrained, since she was not the judgment debtor. The Bank never responded. When my lawyer and I called the bank to follow up, they said they would not release the account because the exemption form was sent back more than 20 days after they mailed it. They admitted that they do not have any records relating to the mailing date and asked me the date of the postmark. I explained there was no postmark, just a preprinted mark stating that TD Bank paid the postage. They refused to release the account, even though they had notice that the judgment applies to me, not my mother, and the only money in the account belongs to my mother. They also refuse to correct their error in putting my name on the account as a joint account holder rather than as the power of attorney until the restraint is lifted.
Company Response: Closed with explanation

Timely Response

2017-07-18

So Effingham, NH

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Closed with explanation

Timely Response

2017-07-17

Itasca, 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

Problem with personal statement of dispute
Complaint: I had a Target store card. The balance was {$6.00} which I paid in full and closed the account. The next thing I know is that Target charged me a late fee of {$11.00} on a XXXX balance and it now shows on my credit report as bad debt. I 've tried to resolve it with them through a dispute but they answered with an " update '' and nothing has changed! I have always had excellent credit and this {$11.00} charge is now affecting me on my upcoming purchases. Please look int this for me as they should be removing it from my report. Thank you!
Company Response: Closed with monetary relief

Timely Response