TD BANK US HOLDING COMPANY

2017-06-26

MA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: XX/XX/XXXX There is a long history of problems with TD Bank and it 's branch managers here on XXXX XXXX. XX/XX/XXXX do nothing to redress complaints and our experience with the executive branch is that they ignore written complaints, despite any evidence that they have done wrong. We 've had trouble with previous " Retail Managers '' ( TD considers their banks to be just stores, like XXXX. But our experience is that XXXX is more responsive to consumers and attempts to rectify problems, not inflame them. Unlike TD Bank. ) Most recently, XXXX XXXX, Retail Manager of TD Bank on XXXX XXXX, denied culpability for wrongful and excessive overdraft fees, stemming from events on or about XX/XX/XXXX, which of course then created a cascade of shortfalls which accrued to the wrongful benefit of TD in permitting them to collect more fees than they were entitled to. Despite conflicting information from the branch employees, and the back office " in New Jersey '' about why the fees were charged, then changed, apparently both in violation of bank practices and policies, TD also does not provide transparency about account charges regarding overdraft fees and there was no way anyone checking the online banking version of our account could see the same information that the TD back office and branch employees saw, thereby deliberately preventing account holders from seeing the service charges and activity that TD saw. <P/>Further, TD violated their agreement with account holders to provide fee free checking by imposing a {$2.00} paper statement fee, which XXXX denied was a service account fee in violation of the contract with account holders, but which is exactly that under the cheap masquerade of a different fee label.
Company Response: Closed with explanation

Timely Response

2017-06-26

Key Biscayne, FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Original complain still not resolved, have left messages for XXXX XXXX at TD BANK tel XXXX and he DOES NOT return my calls :. Complaint number : XXXX, Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX, Product : Checking or savings account Issue : Managing an account As explained on my original complain 15 days ago, I have not been able to access my account, it has been locked and was told I have to be at the bank to get it unlocked, I went to the TD Branch located at XXXX XXXX XXXX XXXX, I identified myself and explain the problem, the lady told me she needed to call their office, we were put on hold for more than 1/2 hour, I told her she already had my information to unlock the account and that I could not wait any longer since I had my ride waiting outside ( I am a XXXX person with no transportation ). She told me I had to be present for her to proceed. I filed the complain with your agency CFPB on the XXXX of XXXX, and last Friday I got a voicemail from the above gentleman, not to tell me the account was unlocked but that he needed me to return his call. I have been trying to reach this person and left him several voicemails and he has not returned my calls. Bottom line, the problem still persist and I have not been able to access the account on line, not by phone and can not even get my bank statements. I AM A XXXX PERSON AND I FEEL I AM BEEN DISCRIMINATED AGAINST BY THE INTERNAL POLICIES OF THIS BANK UNDER THE XXXX XXXX XXXX XXXX SINCE I CAN NOT GO TO THE BRANCH BY MYSELF TO RESOLVE THIS PROBLEM AND I HAVE NO METHOD OF TRANSPORTATION I received an email that your agency was informed that the problem had been solved, which is a lie. This morning I call your toll free number and was told that according to the record, the complain was closed and there was nothing else that CFPB could do, so I contacted my Senator to address the lack of enforcement action by CFPB Once again I need CFPB to continue tol address this existing issue with the bank.
Company Response: Closed with explanation

Timely Response

2017-06-26

Greenfield, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-06-25

San Gabriel, CA

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: Note : This is the third complaint I have submitted for the same issue. I believe that I have been very clear as to the nature of my request and they still refuse to honor it according to California law ( CPC 530.8 ) even though they have given me multiple verbal assurances that they would and I have been diligent about complying with their instructions. In the event they still refuse to comply with this request, I will continue to file these complaints until they do, or I decide that legal action is the only remedy. They need to take this matter seriously. <P/>A Target store card account was fraudulently opened in my name by person ( s ) unknown on XX/XX/XXXX. This person subsequently purchased over {$6000.00} worth of merchandise using this fraudulently obtained line of credit. <P/>The identity thief was careful to cover their tracks and I did not discover that this had occurred until sometime in XX/XX/XXXX. At this time I contacted Target Card Services ( TCS ) and made a request for identity theft information that I am entitled to under California law ( CPC 530.8 ). <P/>The first response I got from a TCS representative was that they " did not have to comply with California law because they are based in Minnesota ''. Through persistence, I eventually persuaded them that they do indeed have to comply with California law because they do business in California. <P/>They then told me to submit a notarized written request for this information ( at my own expense ), which they received on XX/XX/XXXX at XXXX. <P/>The California statute says that they have 10 days after the receipt of this request to comply with the information request, which they in practice completely ignored. <P/>The main document I am interested in is the actual personal information that the identity thief used to fraudulently open the account. This would allow me to know exactly which of my personal data were compromised as well as helping law enforcement to help identify a suspect. <P/>The first attempt to comply with this request resulted in them sending me the personal and confidential information of an entirely unrelated person in XXXX who just happened to open an account on the same day as the identity thief. I was frankly shocked at this reckless disclosure of some innocent third party 's confidential information, but I am not surprised given my experience with this organization. <P/>I informed them of their inappropriate data breach and they responded by making another attempt to comply. They sent me a copy of MY OWN personal information and NOT the application data provided by the data thief as I had requested. On a subsequent phone call they stated that they consider this to be acceptable ( I disagree ) and would not comply further with my information request. <P/>This is what prompted my third complaint to CFPB.
Company Response: Closed with explanation

Timely Response

2017-06-24

Knightsville, SC

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

2017-06-23

Lake Balboa, CA

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Closed with non-monetary relief

Timely Response

2017-06-23

Brookside, NJ

Fees or interest

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

Charged too much interest
Company Response: Closed with explanation

Timely Response

2017-06-23

Ridley Park, PA

Was approved for a loan, but didn't receive the money

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

Complaint: My bank TD is n't reporting my updated bank balance.
Company Response: Closed with explanation

Timely Response

2017-06-23

Fort Pierce, FL

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

2017-06-23

Cohasset, MA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-06-22

South Florida, FL

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Complaint: I put in a report to the bank that my wallet was lost and that the funds from my bank account was taken put in a report and i was told it would take up to 10 days for them to do their investigation before they could give me a credit on my account. Not taken to account that i have bills that need to be paid. I was told by a bank person that they never refund any money to anyone that this happens to the banks name is TD bank and that i can just kiss my money good by I AM REPORTING THIS BANK BECAUSE WHEN I OPEN THIS ACCOUNT I WAS TOLD I WAS PROTECTED AGAINST FRAUD 100 PERCENT this is not the case XXXX WAS TAKEN FROM MY ACCOUNT. I do not know what to do at this point. I need your help on helping me get my money back the account number is XXXX XXXX XXXX XXXX XXXX XXXX Again I spoke to the bank and i have gotten no where. I do not think is fairfor the bank to tell me that I THERE NOTHING CAN DO ABOUT THIS AND THAT my hard earned money is gone. Please help me in this matter ... ... ....
Company Response: Closed with monetary relief

Timely Response

2017-06-22

Phila, PA

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Company Response: Closed with explanation

Timely Response

2017-06-22

Jersey City, NJ

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX TD BANK XXXX TARGETCREDIT XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ... To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.
Company Response: Closed with explanation

Timely Response

2017-06-22

San Francisco, CA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with non-monetary relief

Timely Response

2017-06-22

Decatur, GA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Company Response: Closed with explanation

Timely Response

2017-06-21

Key Biscayne, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: My bank balance on the XXXX app is n't always fresh or up to date. My bank has n't been sending over my info.
Company Response: Closed with explanation

Timely Response

2017-06-21

Rochdale, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I got paid this passed Friday XX/XX/17 and I 've been trying to use my app XXXX to cash out from my next check but they 're stating that my bank info is n't being sent to them. Im aware that my account is current but for some reason they ca n't access it.
Company Response: Closed with explanation

Timely Response

2017-06-21

Spg Valley Lk, CA

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

2017-06-21

Briar Park, NY

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

2017-06-21

Chicago, 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: I was the victim of identity theft in XXXX 2017. I have called Target, XXXX XXXX, XXXX and XXXX XXXX to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. <P/>Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?
Company Response: Closed with non-monetary relief

Timely Response

2017-06-21

Brooklyn, NY

Other transaction problem

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

Complaint: On XXXX XXXX, 2017 I initiated an international wire transfer in amount of exactly XXXX USD from my banking institution, " TD Bank '', to a recipient institution, called " XXXX XXXX XXXX XXXX '', located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, whose SWIFT # XXXX, beneficiary account # XXXX. Transfer took place from my TD Simple Savings account. I found out that my wire transfer has not been received by the recipient institution, however, my banking institution does not refund me money. TD Bank started the investigation, but there is still no result after more than one month. I want TD Bank to refund me my {$5000.00} and any fees associated with a transfer because the recipient did not received these funds. It should not take that long for TD Bank to confirm that my funds were never received, thus such funds should already been credited back to my account. I am asking your governmental agency to compel TD Bank refund me {$5000.00} PLUS bank FEES associated with this wire transfer, since the service was not provided. Otherwise, I will definitely sue TD Bank for {$5000.00}, plus fees and expenses associated with the litigation and I will never again have any business with this bank. I thank you very much for your assistance.
Company Response: Closed with explanation

Timely Response

2017-06-20

Manassas, VA

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Company Response: Closed with explanation

Timely Response

2017-06-20

NJ

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I use a company called XXXX XXXX that lets me borrow against my own pay from work. My bank isnt properly communicating with the company.
Company Response: Closed with explanation

Timely Response

2017-06-20

Spfld, MA

Money was not available when promised

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

Company Response: Closed with explanation

Timely Response

2017-06-20

Florence, SC

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Closed with explanation

Timely Response