TD BANK US HOLDING COMPANY

2017-06-06

West Covina, CA

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: Upon reviewing my credit report, I noticed an inquiry made on XXXX XXXX , 2016 un der the name of TD Bank USA/Target C. I immediately made contact with XXXX to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct. I made contact with Target and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to XXXX . I mailed the letter to XXXX but they are claiming that inquiries are a factual record of file access and will not remove this inquiry and that I need to contact Target directly and follow their internal fraud procedures which I have already done.
Company Response: Closed with non-monetary relief

Timely Response

2017-06-06

Solon, ME

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2017-06-06

Baltimore, MD

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2017-06-06

Bremen, GA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I made a payment on this account X/XX/17 which was ontime but the TD Auto finance company is reporting it as being made on X/XX/17 making it a late payment.
Company Response: Closed with explanation

Timely Response

2017-06-05

Edison, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-06-05

Downingtown, PA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with monetary relief

Timely Response

2017-06-05

PA

Getting the loan

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

Complaint: XXXX XXXX, 2017- After an extensive amount of research, I went to XXXX XXXX XXXX obtain a debt consolidation loan to payoff credit card debt. I was rejected in the bank and started searching for another bank that offered debt consolidation loans. I applied for loan at TD bank the same day. <P/>XXXX XXXX, 2017- I spoke with XXXX at TD Bank , who said I was approved for the loan and requested additional documentation ( recent credit card billing statements ) to process the request. She explained she would be out and referred me to another contact in her department. I faxed the information to her and the next day. I received a call about going to my local branch located in XXXX, PA and set up an appointment scheduled for Saturday XXXX XXXX. I arrived at the Bank, waited for a very long time. The bank has a container of dog biscuits at the counter but no lollipops at the counter. ( Animals get better treatment than customers or parents with children? ) I was waited on by a XXXX XXXX XXXX. She printed up the closing documents, I signed for them and said that I would have to return on Monday XXXX XXXX, 2017 because she did not know how to cut the checks for the creditors and the remaining check which was disbursed to me. I rearranged my work schedule and returned to the Bank as soon as it opened. XXXX XXXX was there and her response was " Oh, you came back. The manager is not here who know how to print the checks. '' She called a number who provided instructions. Checks were sent to 3 creditors and I received a check. It took over an hour. I asked when my first [ payment was due, she said XX/XX/XXXX. I never received a billing statement and was unable to set up online account because my loan was entered into the system. XXXX XXXX,2017-I went to the XXXX, PA branch to pay my bill and spoke with XXXX since I had not received my billing statement. She stated that my account was not loaded in the system, there was no way I could pay. There was nothing she could do except speak with the Branch Manager XXXX XXXX. I left three telephone numbers : My mobile, my work number and my home number. XXXX said I would receive a call Monday XX/XX/XXXX from XXXX XXXX, the branch manager. I checked my phone throughout the day. XXXX XXXX never called and my loan was not in the system. XXXX XXXX, 2017-XXXX XXXX never called. I called TD Bank while at work. I spent 45 minutes on hold before speaking to someone. Afterwork, I called from home and spent two hours on the phone. Most hold times were about 30 minutes to get from one department to the next one. When I was connected to loans, XXXX assisted me and sent emails to the XXXX, PA Branch. She confirmed that my account was not in the system, it was never loaded and no billing statements were generated. XXXX said I would receive a confirmation call from the Bank once everything was loaded into the system. <P/>XXXX XXXX, 2017- I called Customer Service to follow up on the status of my request. Spoke with a Customer Service Representative who referred me to a Manager. Both were very nice and helpful. The manger explained that the loan would be loaded in the system it would take a few days, possibly longer due to XXXX XXXX weekend. My due date was scheduled for the end toXX/XX/XXXX and I would receive a bill in the mail. I never received a follow up call from anybody. <P/>XXXX XXXX, 2017-Received a call from a collections call from an agent telling me that my XXXX XXXX, 2017 payment was fourteen days late and how would I like to pay. It was XXXX XXXX XXXX XXXX. I became very upset since I did not have a bill or account number. I was furious since I had been patient since XX/XX/XXXX. It was XX/XX/XXXX and I was considered late ( by no fault of my own ). I told him I never received a bill and asked him, profanity included what king of operation they were running? I went online, could not access my account and called the collections area back and told them where to go. I was blown away by their insensitivity and callousness. There was no interest in resolving the situation. Completely lost my patience and became very angry. This has gone over a month. <P/>XXXX XXXX, 2017-In tears at this point, I called the 24/7 number and spent another hour waiting. Explained my situation to the loan department. She could not explain why I did receive a bill or a follow up call from the Bank but I could open a checking account if I wanted to. I was not exactly thrilled by the offer. I declined, since I already have a checking account. XXXX XXXX, 2017-Filed a complaint with the State of Pennsylvania who referred on Monday XX/XX/XXXX me to consumerfinance.gov.
Company Response: Closed with monetary relief

Timely Response

2017-06-04

NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XXXX/XXXX/17 I withdrew from my checking account {$300.00} which left a balance of {$900.00} ... later I went to with withdraw the balance which was one withdrawal of {$800.00} and the machine say that I had already withdrawned my limit I tried again to withdraw {$100.00} the machine says again that I had withdrawn my limit ... I went the next day on XXXX to attempt to withdrawn funds my balance was only {$59.00} ... I filed a complaint with the bank to get my funds the bank informed me that I would have to wait 7 to 10 days while they investigate before they could credit my funds to my account ... I do believe that this is customer abuse from this institution ... I have had no funds for food, gas or to pay electric and/or mortgage ... I 'm appalled that any institution would inconvience any customer in this manner. I desperately need my funds.
Company Response: Closed with monetary relief

Timely Response

2017-06-03

Finksburg, 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
Company Response: Closed with explanation

Timely Response

2017-06-03

Hornell, NY

Problem when making payments

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

Problem during payment process
Complaint: Concern regarding location to send payments for XXXX Cashback XXXX Signature Credit Card. <P/>- X/XX/2017 : XXXX Cashback XXXX Signature credit card statement made available. Indicates my payment ( {$74.00} ) is due on XXXX XXXX 2017. The statement provides two addresses for XXXX : CREDIT CARD SERVICING, XXXX XXXX XXXX, XXXX, GA XXXX and CREDIT CARD SERVICING, XXXX XXXX XXXX, XXXX, ME XXXX. The statement does not indicate to which address the payment should be made. The statement references the GA address a number of times for billing inquiries and concerns. <P/>- X/XX/2017 : Scheduled payment ( paper check mailed ) from my checking account to pay the Ally Cashback XXXX Signature statement ( the total balance, {$74.00} ). My checking account mails the check in advance so that it arrives to the designated office on the scheduled date ( X/XX/17 ). <P/>- X/XX/2017 : {$25.00} late payment fee charged to my XXXX Cashback account. <P/>- X/XX/2017 : {$0.00} interest charge fee and {$1.00} interest charge-purchases charged to my XXXX Cashback account. <P/>- X/XX/2017 : Payment ( {$130.00} ) received by XXXX Cashback and credited to the account. <P/>- X/XX/2017 : Contacted bank with checking account and found out that my payment was being sent to the wrong XXXX Cashback address. I was having payment sent to the GA address, and it should be sent to the ME address ( this was found out over the phone between my bank account representative, me and the XXXX Cashback representative ). I sent a message to XXXX Cashback to explain the error, and that it is unclear on their billing statements which office the payments should be sent to. They marked my message as 'completed ' and added the memo 'We have waived the fee as a one-time courtesy because of your good customer standing. ' - The following account changes were made after X/XX/2017 but dated for their original charge date on my account : -- X/XX/2017 : late payment fee credit of {$25.00} -- X/XX/2017 : purchase interest credit of {$0.00} - X/XX/2017 : messaged XXXX Cashback because still did not receive the {$1.00} credit for the interest charge-purchases. Also mentioned that I would be happy to bring this to the attention of CFPB. Message was marked 'completed ', however no action was taken with my account and no credit was issued. <P/>- X/XX/2017 : sent a follow-up message to XXXX Cashback because never received the {$1.00} credit for the interest charge-purchases. Message was marked 'completed '. <P/>- X/XX/2017 : {$1.00} interest charge-purchases was credited to my XXXX Cashback account. <P/>The " one-time courtesy '' to credit the fees and interest was appreciated, but, as of my X/XX/17 statement, XXXX Cashback has not made any updates to their billing statements as to where the payments should be made. I imagine this ambiguity has negatively affected other XXXX Cashback customers. Also, the follow-up necessary to get all of the refund credits for the original error is unacceptable. <P/>Thank you for your time and attention.
Company Response: Closed with explanation

Timely Response

2017-06-02

FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX XXXX XXXX client XXXX XXXX XXXX is an identity theft victim. Someone used her information to submit applications to several creditors in an attempt to open credit accounts without her consent. Each agency was notified at the time of the submission on the application and advised the application was fraudulent and done without the consent of XXXX XXXX . She was told at that time the applications were being terminated and the inquiry generated was being removed from her credit reports. In two cases formal disputes of the inquiries were sent certified mail with return receipt to the creditors in an effort to have the inquiries removed however those efforts have failed ; all of these actions are a violation of the FCRA.
Company Response: Closed with non-monetary relief

Timely Response

2017-06-02

NY

Problem caused by your funds being low

Checking or savings account: Savings account

Late or other fees
Complaint: TD Bank NA failed to disclose the requirements to avoid a monthly maintenance fee for the Simple-Savings account at time of opening the account in XXXX XXXX 2016. The $ XXXX monthly fee had been waived for the duration of my account during the first 12 months because I made sure to maintain a linked checking account with a savings deposit of {$25.00} per month to the savings account. There was no minimum balance requirement, and at no time did this account exceed {$100.00} during this period and no fees where charged. <P/> After the first 12 months, the bank began charging {$4.00}. The only mention of this change in the opening account agreement was that the avoidance requirements expire after 12 months. This text was printed in small type on page 20 of the 30 page personal account agreement document. The maintenance fee avoidance policy published the bank 's website today specifies a minimum balance of {$300.00}. This introduction of a minimum balance requirement was rolled out silently since I opened the account. Had I been notified in writing beforehand, I would have either deposited more funds to meet the new minimum or closed the account. Had the details of the first 12 month expiration been clearly explained, I would have complied or decided against opening an account under such terms. <P/> I believe the {$8.00} withheld from my account over the last two statement cycles is unfair and constitutes bad faith dealings. The fee schedule was not clear when I opened this account. Opening the account without full and advanced knowledge of the future fee structure following the first 12 month period results in unexpected charges that are an unplanned for burden on the savings account holder. Multiplied by all the account holders in my situation, the bank has effectively increased its revenue and capitalization simply by changing its policies surreptitiously without full consumer consent.
Company Response: Closed with monetary relief

Timely Response

2017-06-02

Las Vegas, NV

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
Complaint: XX/XX/XXXX it w as decreed in a divorce I that ow ed 1/2 of the total amount of {$2500.00} due to Target. Keeping in mind I NEVER signed up for a Target account t o begin with. I was added by my wife at the time without my knowledge. On XX/XX/XXXX I was ordered by a judgement of contempt to pay my 1/2 of the Target Card, after sending payments to my ex-wife 's attorney that never made it to Target. I paid my 1/2 of the {$2500.00} on or around XX/XX/XXXX At whi ch point I should been removed and the remaining balance should been placed solely in the party 's name. I contacted Target several times regarding this account and was told I was removed. I have been dealing with this inaccurate and fraudulent information for over 7 years now and want it removed or at least reported correctly showing my balance of XXXX paid in full. All XXXX Credit reports bureaus say they only report what the original creditor response with and the original creditor " Target '' is reporting this wrong. Update I recently found out that the ex-wife filed bankruptcy i n XX/XX/XXXX fil ed bankruptcy that I was unaware of, but somehow got added by Target. Also On the credit reports it shows the new husband as the joint on this debt not me.
Company Response: Closed with non-monetary relief

Timely Response

2017-06-02

Tarzana, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: They have levied my account multiple times. Collected more than the debt itself. They 're charging interest on interest. They never show me statement nor receipts on the initial account. I never get proper response. I need to SEE receipts and records. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, please provide an itemization showing the dates and amount of each added amount. In addition, if you can explain how are the interest, fees or other fees added. I wanted to learn more about my case and they told me I can work on a payment plan to close debt. But they keep levying my accounts without understanding my situation. Please identify last payment made to this account. Use this method as my only form of contact regarding the debt.
Company Response: Closed with explanation

Timely Response

2017-06-02

Boston, MA

Incorrect information on your report

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

Account status incorrect
Complaint: I use online bill payment with XXXX XXXX XXXX ( XXXX ) to pay my credit card bill to TDBank ( XXXX XXXX XXXX ). I made my XXXX 2017 payment via XXXX 's online bill pay. TDBank cashed the check, but applied the payment to the wrong account. TDBank then began assessing late fees. I called TDBank 's customer service and collections department multiple times in XXXX and XXXX to dispute the late fees. These calls were recorded so I am on record as disputing the fees. Despite my paying the bill on time and disputing the late fees, TDBank falsely reported me as delinquent to the credit bureau. <P/> XXXX sent the cancelled check directly to TDBank to prove the payment was made on-time. TDBank still argued that they did n't receive the check - despite having endorsed and cashed it. On XXXX XXXX , 2017 , myself and my XXXX representative called TDBank 's collection department together. In a one-hour recorded conversation, TDBank finally researched this issue and admitted the funds were received on-time but applied to the wrong account. XXXX at TDBank agreed to correct the error by properly applying my payment to my account, reversing the late fees and correctly reporting to the credit bureau. Both XXXX and TDBank recorded this call. Instead of correcting the error, TDBank again reported the disputed late fees to the credit bureau. I called TDBank again today, XXXX XXXX . In another recorded call, the representative again admitted that it was TDBank 's error. She claimed I was reported to credit bureau because the department responsible for fixing the mistake had n't fixed it yet and that she could n't fix it herself. She would not let me speak with the department responsible for fixing the mistake or provide any time frame for when it would be fixed. I asked for a manager on XXXX XXXX and XXXX XXXX . I was told no managers were available and that I was " in que '' and would receive a call back in 48-72 h ours. I never received a call back. TDBank 's customer service department will not help me because they claim my account is in collections and only the collections department can correct the error. <P/> I can not escalate this issue to TDBank 's Ombudsman because the bank 's dispute resolution process requires a written response from a manager denying my requested relief. The manager manager will not even return my calls, much less respond it writing so I 'm stuck.
Company Response: Closed with monetary relief

Timely Response

2017-06-02

Chicago, IL

Improper use of your report

Credit card or prepaid card: Store credit card

Credit inquiries on your report that you don't recognize
Complaint: Received XXXX inquiries on my credit report from a Target/td bank that I never authorized dates XXXX / XXXX / 2017 and XXXX / XXXX / 2017 I called and made them aware of this but was told to call credit bureaus who of course would n't remove them and told me to call company.
Company Response: Closed with explanation

Timely Response

2017-06-02

Manchester Village, VT

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

2017-06-02

Dania, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-06-02

South Florida, FL

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Complaint: XXXX / XXXX / 2014 TD BAN K OVERDRAFT ACCOUNT ABUSE IS NOT TRUE THIS ACCOUNT WAS PAID THE AMOUNT WE AGREED UPON IN ORDER TO REMOVE THIS ACCOUNT OUT OF COLLECTIONS. SO I DO NOT UNDERSTAND WHY IT IS SHOWING UP AS ACCOUNT ABUSE AND OVERDRAFT.
Company Response: Closed with monetary relief

Timely Response

2017-06-01

Norton, MA

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Closed with explanation

Timely Response

2017-06-01

Fairfield, CT

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

Company Response: Closed with explanation

Timely Response

2017-06-01

Itasca, IL

Trouble using your card

Credit card or prepaid card: Store credit card

Can't use card to make purchases
Complaint: I have notified target over and over again via fax/mail and secure onsite messaging. I was in a re-payment program and after contacting the CEO XXXX XXXX XXXX XXXX office, I was told to fax a letter requesting that the repayment plan be removed as I am now current and have been current and no longer need the repayment plan! I was also asked to request my card be re-opened. I did all of this many weeks ago and I am getting no response from this company! It is either a silence completely or a standard " please call us message '' I DO EVERYTHING IN WRITING JUST FOR THIS VERY REASON!!!! I keep EVERYTHING on hand.
Company Response: Closed with explanation

Timely Response

2017-06-01

No Haven, CT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with monetary relief

Timely Response

2017-06-01

Fort Myers, FL

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

2017-06-01

Sebring, FL

Incorrect information on your report

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

Account status incorrect
Complaint: When I set up this account I was n't aware of my actual due date and was under the impression that I enrolled in paperless billing. Never received email or statement which caused my account to go 30days past due. I contacted Targe t Credit Card/TD bank and sent them a letter in order to resolve this. I even emailed CEO this is unfair on my behalf. I 've paid my account in full and that was the 1st and only late payment with them. My account is current and the late payment need to be updated/ forgiven this was an error on their behalf. They are negligent in this matter.
Company Response: Closed with explanation

Timely Response