TD BANK US HOLDING COMPANY

2017-06-20

Sanford, FL

Other transaction problem

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

Company Response: Closed with explanation

Timely Response

2017-06-20

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I used TD bank to provide a mortgage ( 75 % ) on a coop in the upper east side of XXXX . At the end of XXXX , TD provided a rate lock-in at 4.125 % for 60 days. The process of getting a commitment letter from TD ( so that it could go to the board ) took forever, Each request for info was provided within 24 hrs, yet each time it went back to the underwriter, and another set of documents was requested. Even the appraisal process was drawn out. The appraisal was done on XX/XX/XXXX , yet the appraisal was not approved by TD for another 11 days. There is a term for this -- Moral hazard. The bank gains advantage in rate lock in fees if it delays the processing. It took TD almost 6 weeks from the initial rate lock in at the end of XXXX to the time they issued the approval letter that I needed for the coop. By the middle of XXXX , it was clear that signing would not occur by the end of the lock in period, so I emailed my mortgage broker at TD a request to extend the rate lock-in period at no cost, because of the extenuating circumstances. He replied that he would look into the matter, and sure enough a few days later the documents from TD showed an extension of one month ( end of XXXX ). <P/> At closing, I was surprised to see a rate lock in charge of over {$2000.00}. This corresponded to 6 periods of 5 days, each at {$340.00}. The signing took place on XX/XX/XXXX , and TD did return half the amount. My position is that it was the result of slow processing by the bank that caused the need for a rate lock -in extension in the first place, and that if I ask for a no cost extension, and it is granted without specifying that indeed it would cost me, then this is not correct. Not saying " No, this will cost you '' and then providing the service is equivalent to consenting to my request. <P/> An example of moral hazard in this context is available at ( XXXX XXXX ) : XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-06-20

Plymouth, FL

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: Td bank needs to send info faster. I have been waiting for them to report my recent transactions to XXXX XXXX ( mobile app, payday advances ) so I can cash out since XX/XX/XXXX. I am not able to cash out without the bank properly reporting my recent transactions in a timely matter.
Company Response: Closed with explanation

Timely Response

2017-06-20

Downingtown, PA

Trouble during payment process

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

Company Response: Closed with explanation

Timely Response

2017-06-20

Nyc, NY

Money was not available when promised

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

Complaint: TD Bank XXXX XXXX XXXX deducted USDXXXX from my savings account for an international wire to my overseas account, but it never arrived. On XXXX XXXX, I went to TD Bank in XXXX XXXX do a wire transfer for USXXXX to my account in XXXX XXXX XXXX The money was deducted from my savings account. They said it will be there in 3-5 days. But it never arrived and I called TD Bank several times as they performed an investigation. Without giving any explanation on what happened, they said they wired the money XXXX XXXX or two weeks later, and that it would appear in my account XXXX XXXX. On XXXX XXXX, the money is still not there and I called them again. They said XXXX XXXX has confirmed that they 've received it and I just need to wait for the latter to show the money in my account. I called XXXX XXXX and they asked for a reference number to identify if money has indeed been sent by TD Bank in XXXX. I called TD Bank in XXXX for the nth time, and they said the money was never deducted from my account - I promptly reminded them that the deduction appears in my account. So now, while on the call, the customer service representative is finding out what 's happening. She 's 5th one I 've spoken to, and each time the story changes. This last one did n't even know the very first thing about the complaint - the money was deducted, but was n't received. It 's been almost a month and my XXXX XXXX dollars is still missing. UPDATE : Customer Service just came back to say XXXX XXXX returned the money due to an erroneous account number, but after conversion rates, only USDXXXX was returned to my TD bank account. I basically paid USDXXXX for a service they did n't perform.
Company Response: Closed with monetary relief

Timely Response

2017-06-20

Arlington, VA

Other transaction problem

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: XX/XX/XXXX DEBIT XXXX XXXX EXT TRNSFR {$2500.00} - {$2500.00} XX/XX/XXXX DEBIT XXXX XXXX AUTH DEBIT {$.00} {$.00}XX/XX/XXXX DIRECTDEP XXXX XXXX AUTH CRDT {$.00} {$.00} I added my TD checking account to my XXXX XXXX account. It was verified. Then I transferred {$2500.00} to my recently opened never before used TD checking account. I was actually excited because XXXX XXXX changed their wire transfer interface, and the mechanism for the transfer consistent with some of the guidance I had provided XXXX XXXX. I 've previously made commentary that potentially has had an immediate correlation with > $ XXXX in value creation to XXXX XXXX including stepping in with a long call back when everybody was shorting them with the XXXX XXXX insider threat scandal. Recently I applied to TD for a line of credit because somebody had recommended it to further improve my credit score. I met all of the qualifications. I had significant abnormal behavior from TD during that process which I submitted to CFPB. I 've received credible information that there could also be problems with TD XXXX/brokerage services from an insider threat concern related to this and have previously had interactions with people claiming significant access to XXXX XXXX internal security. I received a response that made material egregious misstatements of facts from TD in response to my CFPB complaint. I had repeatedly submitted information which they had apparently failed to correctly update in their systems multiple times despite guidance otherwise. Its likely a drastically positive expected value for them to provide access to credit. It is terrifying that they apparently failed such basic tasks and I have direct reason to believe this is connected to my XXXX ex girlfriend. Her father is former assistant vice undersecretary of defense XXXX XXXX. He is directly connected to material destruction, falsification, tampering of protected records including police and records in more than quadruplicate. These XXXX arent worth causing these types of problems as they rarely if ever contribute anything positive, especially that wasnt basically stolen from somebody else. He and her daughter have a thoroughly independently documentable track record of being directly at the center or responsible for abuse of law enforcement resources as well as other things, material misstatements of facts as well as causing international rights violations. Most of the time this is for inept attempts at profit or basically her trying to prove that she is powerful. XXXX XXXX XXXX has repeatedly bragged about interfering with my banking, potentially to the detriment of some of the banks in several ways. Regarding the wire transfer, obviously it was a brand new account. I was transferring money to the new account and even confirmed this. A little while later I received a statement from TD claiming that I owed them {$2500.00}. They claimed this repeatedly after speaking to multiple points of contact on the phone. When I spoke to certain people, in branch as well as to XXXX XXXX I explicitly confirmed that the original deposit that was received was {$2500.00} from XXXX XXXX deposited to TD. I have records of this. After a considerable amount of time and obviously a lot of stress I was able to get this resolved with people at TD. This type of situation shouldnt happen period, is beyond suspicious and makes no sense. They were trying to get me to pay fees and give them {$2500.00} of additional money just to bring the account to {$0.00} after I had already sent {$2500.00} which XXXX XXXX had confirmed was sent to TD. After I had called and confirmed, for some reason the XXXX XXXX records of these transactions then suddenly reflected something completely different. This needs to be investigated thoroughly and prevented from occurring. This is terrifying and basically undermines the basic premise of the banking system. There have been consistent abnormalities with several types of transactions that appear to demonstrate a pattern of systematic egregious criminal fraud/theft as well as other crimes. This matter was resolved at considerable cost to me personally.
Company Response: Closed with explanation

Timely Response

2017-06-19

MS

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: Vehicle purchased in XXXX 2027. : Was taken to the shop twice.. found to have rust on part and needed replacement. XXXX found rust.. extended warranty refused to pay. Could not afford to keep paying for towing and repairs and pay car payment ..made no sense to have vehicle for three months and have this much trouble.. asked the company to pick it up. Dealership said they had nothing to do with it.. finance company said I would be volunteering abandoning. Unfortunately that 's how it will have to be I am not paying for that lemon. If the transmission has rust there is no telling what else is wrong. I will just take a change on my credit for the next seven years. I could understand if it had been at least a year or even six months. But I just got it in XXXX. So I 'll suffer they just need to get their vehicle. I am NOT PAYING.
Company Response: Closed with explanation

Timely Response

2017-06-19

CA

Incorrect information on your report

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

Account status incorrect
Complaint: I had submitted a dispute with Nordstrom on XXXX / XXXX / XXXX . XXXX # XXXX with attachment. I received a reply from Nordstrom on XXXX / XXXX / XXXX which did NOT address any of the facts and evidence I have to support my original claim. Additionally, Nordstrom closed my dispute without properly addressing the facts of my claim. In response to Nordstrom 's XXXX / XXXX / XXXX reply to my original claim : Re-stating the facts, my account was first reported as delinquent in XXXX XXXX . Nordstrom claims that " Payments were then made bringing the account current, however, due to a lack of payment the account charged off in XXXX XXXX ''. What they fail to understand is that the XXXX XXXX date is the date in which my account was Paid in full, NOT the date in which my account was first reported as " charged off '' which is what Nordstrom is reporting. ( Please see screenshot from my credit report ) When I began my payment arrangements, I authorized Nordstrom to deduct my account the same amount until the account was paid in full. 6 months later, I received a call for a missed payment! What the customer service representative failed to mention when initially setting me up on auto payment is that I would have to initiate another authorization of deduction after 6 months of payments. I reinstated the automatic deduction and to explain to the customer service representative that no one informed me of this policy. I was misled by the representative who initially set me up on my first attempt for payment arrangement. Not only is Nordstrom reporting inaccurate information to the credit bureaus regarding the date of first delinquency, they have misled me and did not inform me of crucial information regarding my account. Again, the customer service representative who set me up on my initial automatic payment arrangement did NOT notify me of a 6 month maximum policy. Here is my original complaint from XXXX / XXXX / XXXX Nordstrom reported my account as a " charge off '' to the credit bureaus on XXXX XXXX . I made a payment arrangement with Nordstroms internal collections department to automatically deduct payments from my bank account for payment on XXXX XXXX . My final payment ( paying the balance in full ) occurred on XXXX XXXX . ( I have attached a photo showing the dates of the original reported " charge off '' AND the last activity date ( when my last payment was updated with Nordstrom, XXXX XXXX ). Nordstrom reset my initial delinquent date to the credit bureaus showing a paid charge-off date of XXXX XXXX . This account was reset per Nordstrom to show that it will not fall off my credit report until the year XXXX . This does not comply with the Fair Credit Reporting ACT ( see below ) * Per th e Federal Credit Reporting Act Calif State Rule Section 1785.13. of the Calif. Civil Code - Collection accounts and charge offs remain for 7 years from first serious delinquency or charge off date. ( NOT the last date of activity. ) - Paying an old debt does NOT reset the clock on reporting for another 7 years. I have spoken with 2 representatives at Nordstrom to explain this to them. They did not seem to understand this law and told me that the reporting has to remain. I am requesting that Nordstrom remove this account reporting to the credit bureaus per this law
Company Response: Closed with explanation

Timely Response

2017-06-19

Ocean City, MD

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2017-06-19

Ny City, NY

Getting a credit card

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

Sent card you never applied for
Complaint: I received a " XXXX Credit Card '' issued by TD Bank. I never applied for this card!
Company Response: Closed with non-monetary relief

Timely Response

2017-06-19

Northfield, VT

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

Transaction was not authorized
Company Response: Closed with monetary relief

Timely Response

2017-06-19

University Park, IL

Other features, terms, or problems

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

Other problem
Company Response: Closed with non-monetary relief

Timely Response

2017-06-17

Bronx, NY

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2017-06-17

Alafaya, FL

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Company Response: Closed with explanation

Timely Response

2017-06-16

Salem, MA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-06-16

Carver, MA

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Complaint: Complaint is about Targe t Card Services. I moved in 2015 at which point I updated my address. On several occasions since I have been unable to use my card, each time calling in and told the wrong address was on file and a new card was sent. Each time I updated my address with reps. Each time they asked that I repeat the address several times. Today I called because once again I never received my new card. The wrong address was still on file and my account was closed due to inactivity. I was told by the manager that I could not be helped because target confirmed that my address was accurate. This make s zero sense because my address was NOT accurate. Target sent my personal information and credit card at le ast three tim es to wrong addresses. This is not okay and is a huge violation of consumer privacy and protection. I was told there was no one else at target to speak to and he only way to voice my concerns was to write and mail a letter.
Company Response: Closed with non-monetary relief

Timely Response

2017-06-16

Berkeley, NJ

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-06-16

Colts Neck, NJ

Managing an account

Checking or savings account: Checking account

Problem accessing account
Company Response: Closed with explanation

Timely Response

2017-06-15

Parsippany, NJ

Fees or interest

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

Problem with fees
Company Response: Closed with monetary relief

Timely Response

2017-06-15

Brisas De Canovanas, PR

Received a loan you didn't apply for

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

Complaint: I received more than XXXX payday loans that I never applied for throug h TD Ba nk, in addition, I was charged overdraft fees because these payday loans companies at the same time that they were getting into my account they were non-stopping withdrawing money from my TD Ban k account a nd TD B ank were charging me overdraft fees. All the cost me more than {$5000.00} XXXX XXXX . THIS IS NOT A DUPLICATE COMPLAINT SIN CE TD BANK NEVER solved this matter. Re: XXXX and XXXX for the already submitted bank summaries from my account w ith TD Bank . My former address was : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , NJ XXXX
Company Response: Closed with explanation

Timely Response

2017-06-14

Bel Alton, MD

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I had paid off my Nordstrom account in 2014 at the XXXX XXXX located at XXXX , Virginia. After several months had past Nordstrom closed my account for none payment. I continue to call their Credit Department to resolve this matter. I had went back to Nordstrom at the XXXX XXXX in XXXX , Virginia and had several conversation with the Customer Servi ce Manager regarding my previous payment. I give them my Nordstrom credit card and my receipt of payment. At that time the manager stated did I give the Cashier my credit card when I made my payment and I stated yes. They continue to call the credit department and compare my receipt with my Nordstrom credit card. After a timely investigation they discovered my payment was applied to someone 's account. The credit department apologized over and over again and stated that they will be transferring the money back to my account and any fee 's or delinquencies will be adjusted. At this present time I have never seen any transfer 's back to my account,
Company Response: Closed with explanation

Timely Response

2017-06-14

Leh, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-06-14

VT

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: TD BANK USA/TARGETCREDIT Address : XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Account Number : XXXX .... I was currently flagged on my credit score/report for having a late payment from Target. I have reached out to the company to please contact the credit agencies since I never received any statements via email and/or mailing of a remaining balance on my CC ( which was only {$77.00} ). I have over 22 accounts in perfect standing, on time payments which far exceed the amount due to target. I immediately paid the balance due to target once I was alerted from a service I belong to on XXXX . I feel as though Target should take the responsibility for not sending me the consumer any late payment warnings, no notifications and literally no monthly statements via email/mailing. I am signed up for both services and they have ALL of my contact information. I feel as though it was intentional to generate for late fee cost at their benefit. I 'm looking to having this negative taken off my credit report for in good faith I paid the balance immediately and for the companies lack of communication to me as the consumer. I should n't be penalized for 7 years on my credit report/score for their lack of notification and bills being sent to a consumer. Thank you in advance XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-06-14

Portland, OR

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

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

Timely Response

2017-06-14

King Of Prussia, PA

Opening an account

Checking or savings account: Checking account

Confusing or missing disclosures
Company Response: Closed with explanation

Timely Response