TD BANK US HOLDING COMPANY

2017-06-01

Boston, MA

Opening an account

Checking or savings account: Savings account

Didn't receive terms that were advertised
Complaint: I have opened a Select Saving acco unt number ending XXXX , routing XXXX , with TD Bank using their online promotion on XXXX -17. I op ened XXXX checking account and saving account together and in their web site promotion was promised to pay {$300.00} for checking and {$100.00} for saving account if I fulfill terms in 90 days. I got {$300.00} for checking, while TD bank not posted {$100.00} rewards for saving account. I have kept {$20000.00} in saving account after I opened the account and as per the terms advertised I should get {$100.00} opening bonus. I followed up with the customer service on email multiple time and they confirmed me that I am eligible and will get in 95 days as per the attached email. I followed up now after 95 days over, got to know from their customer service that there was no such promotion. Wh ile XX/XX/XXXX email attached, they promised, I will get the amount, but now they are saying I will not get.
Company Response: Closed with explanation

Timely Response

2017-06-01

Chicago, IL

Closing your account

Credit card or prepaid card: Store credit card

Company closed your account
Complaint: This account was closed and I have been reaching out for the last year to come to a resolution regarding this account and its a ffect on my credit score. Nordstrom has continued to tell me that my paying a {$750.00} closed account was not good enough to have it removed from my Credit Bureaus. I have sent letters, Faxes as well as a few complaints through CFPB. I am fed up and ready to take Legal action to settle this account and get it removed. this is my final attempt to reach out myself to come to some kind of agreement.
Company Response: Closed with monetary relief

Timely Response

2017-06-01

So Effingham, NH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2017-05-31

Brooklyn, NY

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Confusing or misleading advertising about the credit card
Complaint: I obtained the credit card XXXX through a furniture store and when signing up I was informed that I would be getting no interest charges for the first year, after which interest would start being charged on a monthly basis for the amount that remained. When I received the bill for the XXXX month, in XXXX 2017 , the bill stated that I owed close to {$500.00} in deferred interest charges. I was never informed that I would be held responsible for any interest for the period of time that I had t he one year promotion. After speaking to a representative of XXXX regarding the interest charges I was informed I would be held responsible. I paid off the remaining balance of {$840.00} in full and asked that my account with XXXX be closed. It is now XXXX and I have received a bill of {$330.00}, {$11.00} of which is an additional interest charge. I am now being charged interest on top of interest. After calling XXXX once more, I asked why I am being charged interest on full amount of the initial purchase price as opposed to what the new balance was after 2017 . I was only informed that it is their policy and written on the bill. I am unwilling to pay the {$330.00} I am currently being charged due to having been misled and not fully informed about the charges.
Company Response: Closed with explanation

Timely Response

2017-05-31

Cucamonga, CA

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

2017-05-30

Ridley Park, PA

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

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

Their investigation did not fix an error on your report
Complaint: TD Bank has reported a late payment made on a credit card which is incorrect I requested to close the account and I was advised the account would be close immediately. This was false and I was still being billed for an active account I called multiple times to close the account in which TD bank has issued credits for late payment charges due to their error. Once he account was finally closed they reported me for making late payments on an account that was n't closed due to their service issues. TD bank has acknowledged this information as incorrect and has filed a dispute to fix the error but due to multiple managers involved the dispute was submitted with incorrect information and the dispute was denied. I have been dealing with resolving this issue for over a year and my credit has been impacted negatively because of it.
Company Response: Closed with non-monetary relief

Timely Response

2017-05-30

Money was not available when promised

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

Company Response: Closed with explanation

Timely Response

2017-05-30

Friendship, ME

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: Closed with explanation

Timely Response

2017-05-30

Atl, GA

Incorrect information on your report

Credit card or prepaid card: Store credit card

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2017-05-30

Brooklyn, NY

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-05-28

Knoxville, TN

Other transaction problem

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

Complaint: X/X/17 U.S. CITIZEN LIVING IN THE U.S. - I PHONED IN A CROSS COUNTRY WIRE TRANSFER OF XXXX XXXX FROM MY TD AMERICA BANK ACCOUNT TO MY TD XXXX BANK ACCOUNT. THE AGENT DID NOT ASK MY XXXX ACCOUNT NUMBER, ONLY ASKED ME TO CONFIRM THE LAST 4 DIGITS. X/X/17 THE MONEY LEFT MY TD AMERICA ACCOUNT. X/XX/17 MONEY STILL HAD NOT ARRIVED. I CALLED CROSS COUNTRY WIRE AND WAS TOLD A TRACER WAS PLACED ON THE MONEY AND I WOULD RECEIVE A CALL FROM INVESTIGATOR IN 3-5 DAYS. GAVE ME A PHONE NUMBER TO CALL FOR " INVESTIGATION ''. X/XX/17 RECEIVED WRITTEN CONFIRMATION OF THE WIRE AND SAW THAT A NUMBER IN THE RECEIVING ACCOUNT HAD BEEN TRANSPOSED FROM 6 TO 8. X/XX/17 CALLED THE " INVESTIGATION '' PHONE NUMBER - IT WAS FOR THE LOAN DEPARTMENT. CALLED CROSS COUNTRY WIRE TRANSFER AND WAS TOLD IT WAS A XXXX TRACER NUMBER. CALLED MY XXXX BRANCH WHO SAID THEY WOULD LOOK INTO IT. X/XX/17 MY XXXX BRANCH CALLED BACK NEXT MORNING - SAID MONEY HIT THE NONEXISTANT XXXX ACCOUNT AND WAS BOUNCED BACK TO AMERICA. CALLED AMERICAN SIDE AGAIN AND WAS TOLD TO CALL BACK LATER FOR SUPERVISOR " XXXX XXXX ''. CALLED BACK LATER - WAS TOLD HE WAS IN A MEETING. X/XX/17 - HAVE NEVER RECEIVED A CALL FROM TD AMERICA BANK. HAVE NOT RECEIVED THE MONEY INTO EITHER XXXX OR U.S. ACCOUNT. THIS WIRE TRANSFER REMAINED SOLELY WITHIN THE TD BANK FINANCIAL GROUP. THEY HAVE OUR FULL ACCOUNT INFORMATION ON BOTH SIDES OF THE BORDER.
Company Response: Closed with monetary relief

Timely Response

2017-05-27

Chester, VA

Closing your account

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

Company closed your account
Complaint: I set-up an online payment on XXXX / XXXX / XXXX using checking Routing : XXXX Checking Acct # : XXXX in the amount of {$170.00} to post on XXXX / XXXX / XXXX . This was a new checking account number as previous payments for the past XXXX years were withdrawn from Router : XXXX Checking Acct # : XXXX . I decided on XXXX / XXXX / XXXX to cancel that payment to pay more instead. Therefore, I cancelled a payment for {$170.00} and paid {$3200.00} using the same Checking Acct # ending in XXXX . In addition to this payment, I had set-up additional payments previously for {$150.00} on XXXX to withdraw on XXXX , and another {$150.00} on XXXX to be withdrawn on XXXX using the same Checking Account # ending in XXXX . Therefore, there were a total of {$3500.00} in payments that were scheduled to be withdrawn that I authorized. The payment for {$3200.00}, and another payment of {$170.00} were returned due to invalid account. In addition, I received an email notification from Target that the XXXX payments of {$150.00} each were cancelled. <P/> I contacted Target on XXXX and advised the Representative of my error in setting up the new checking account information and that I had set-up a {$500.00} payment with the correct checking account ending in XXXX XXXX although only {$280.00} was due by XXXX ) and once I confirm that the payment is withdrawn from my new checking account, I would make another {$1500.00} payment. The Representative advised that it was fine and he credited the {$27.00} fee, per my request. <P/> I confirmed that the {$500.00} was withdrawn from my checking account and proceeded to make an online payment for {$1500.00} as promised. When I attempted to make the payment online on XXXX , I received a notification that the payment method was blocked. I called Target during the morning of XXXX in which I informed the Representative of what occurred previously and requested that the block be removed. The Representative removed the block while I was on the phone and I made the additional {$1500.00} payment. <P/> That afternoon on XXXX , I received XXXX letters in the mail both were dated XXXX from Target. XXXX indicated that I needed to contact them because a recent online payment could not be processed. The XXXX letter advised that due to multiple returned payments, my target account was closed. I notified Target again on XXXX and informed the representative of what occurred. I even advised him that during both times I previously called, no one informed me that my card was closed and that Target continued to accept my payments. The {$500.00} payment was made by the due date. He advised that my account was permanently closed and could not be reinstated. I asked to speak with a Supervisor, who informed me that because the account was closed due to multiple returned payments and it was not Target 's mistake, they could not reinstate my card. I advised her that I never had any history of returned payments until recently. I 've had this account for approximately XXXX years ( my very XXXX credit card ), and that no one informed me about my account being closed when I previously called, nor does it indicate that online nor the automated system. Rather, I received a letter in the mail ( after paying {$2000.00} ). I asked to speak with someone higher and she advised there was no one else. I pleaded with her to please reconsider as I have never had any issues with my card in the past XXXX years and the initial error was on my card. However, Target failed to inform me accurately and timely when I contacted their office. In, I noticed today that Target removed my paperless option online, without informing, which I added it back after I paid today. The Representative advised that the call will be reviewed, but there was nothing else that she could do at this time. I asked to speak with the Disputes Department and she advised that the Disputes Representative informed her that they would not reinstate the card because it was not an error on Target. I informed the Supervisor that if she could not assist me in reinstating my card, then I would be filing a CFPB Complaint. <P/> Thank you, XXXX XXXX
Company Response: Closed with explanation

Timely Response

2017-05-27

Main Office, VA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: In XXXX XXXX , a {$200.00} charge was made on my account, however, a return of {$110.00} on the same day ( XXXX XXXX XXXX ). No statement or account information was sent to us for the remaining balance of {$93.00}. The first time we were informed of the account having a past due amount was with a collection notice we received in the mail on or around XXXX XXXX XXXX . At that time, I logged on, not knowing that there were any charges on this account an d paid the {$93.00}. We also sent in an email to Target that we had not been receiving any statements, and that we would like them to reverse th e three excessive lat e fees that totaled {$100.00}, on the account. They reversed the interest charges but sent another collection notice via US m ail on XXXX XXXX XXXX , wh ich we only received on XXXX XXXX XXXX . I spent ov er 2 hours on the phone with different departments to close this account and asked to speak to someone about resolving the {$100.00} in charges on the account. They told me that unless I paid the amount of {$48.00}, they would continue to fine me for not paying their fines and interest on the fines. I believe that {$100.00} on a {$93.00} balance is excessive whe n Target made no attempt to contact us to let us know about this balance. They have our phone numbers and could have easily had this resolved in 30 days ( as we have a history of paying our account in full ). Despite all of my attempts, I am being forced to continue to incur late fees and their interest indefinitely for non-payment of late fees, which I think is just unconscionable. They do their own collections, so while I would like to resolve this matter, they are not interested in settling it and I do n't want to continue to p ay fees when my account has been paid in full.
Company Response: Closed with explanation

Timely Response

2017-05-26

San Diego, CA

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: I had not used my target card in over 2 months because my balance was {$0.00}. Checking my credit card statement in early XXXX it showed t hat I had reported owing money to Target, and it had caused a large hit to my credit score when I was trying to buy a house. I tried contacting Targets credit card support but they told me there was nothing I could do. I immediately paid them the {$15.00} that it showed I owed them. There was never any statement sent to my address, or my previous address and I had not received any emails either. I was told on the phone that even though I paid the balance on the card, they would not remove the credit card hit because " I was sent a statement so I knew I owed money ''. Very rudely the representative ended t he conversation. I tried calling back many times and explaining I was never told I owe any money, all ending with the same result. Eventually I ended up just calling to cancel the card because I was getting such rude and un-helpful service. I have filed disputes with all XXXX major credit agencies to get this removed, explaining to each of them that Target is being completely uncooperative.
Company Response: Closed with explanation

Timely Response

2017-05-26

Tunnel Hill, IL

Fees or interest

Credit card or prepaid card: Store credit card

Charged too much interest
Complaint: I lost my job at XXXX XXXX XXXX in XXXX because I could not meet all of the excessive sales quotas they had placed on me. It took me several months to find a new job, so I did not have any income at all for over a month until I found my current position which is only part-time and will not allow me to work a second job. I am twice widowed and do not have any other income so of course fell behind on my payments due to this. I have been trying to catch up my rent and car payments first and was then going to make payments on credit cards by end of XXXX , but my Nordstrom credit card has piled on XXXX in late fees and XXXX in interest, the card only had a XXXX credit limit and only at XXXX in XXXX XXXX but is now at XXXX !!! These fees are excessive and nothing but pure greed ( which they will answer to XXXX for in his time for trying to take advantage of a widow ) and unfair!! If they want a payment and for me to eventually pay off the actual balance owed on the card of XXXX , they will need to remove all late fees and interest, send me a corrected bill and give me until the end of XXXX to make a payment. My bills are currently XXXX a month more than my monthly income. I also want all contact from them in writing by mail only!
Company Response: Closed with explanation

Timely Response

2017-05-25

Hillsdale, NJ

Managing an account

Checking or savings account: Savings account

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2017-05-25

Augusta, GA

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

Credit card or prepaid card: Store credit card

Problem with personal statement of dispute
Company Response: Closed with explanation

Timely Response

2017-05-25

Bay Shore, NY

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2017-05-25

Discovery Bay, CA

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 explanation

Timely Response

2017-05-25

Brooklyn, NY

Opening an account

Checking or savings account: Other banking product or service

Confusing or missing disclosures
Company Response: Closed with explanation

Timely Response

2017-05-25

New Britain, CT

Struggling to pay mortgage

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

Company Response: Closed with explanation

Timely Response

2017-05-25

Paterson, NJ

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-05-24

Colts Neck, NJ

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016 , X/2016 , 60 days X/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree. Also, you are reporting this account twice on XXXX which the second account needs to be removed.
Company Response: Closed with explanation

Timely Response

2017-05-24

Colts Neck, 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
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e X/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Timely Response

2017-05-24

Lafayette Hl, PA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: Monday, XXXX XXXX , XXXX XXXX XXXX 13 mi nute call Called customer service to report unknown pending charges on my account. Three {$44.00} charges ( totaling {$130.00} ) fr om XXXX Six {$0.00} charges from XXXX Explained that I would be leaving the country on XXXX XXXX , XXXX . Representative canceled my then current debit card and informed me that I would need to pick up a new debit card from a TD branch. Representative said that the claim was filed with a request to expedite and that I should expect to see a refund to my account in 7 10 business days. Tuesday, XXXX XXXX , XXXX Branch visit Went to TD bank in XXXX , PA to obtain a new debit card. Explained to representative that my card had been compromised. Was set up with a new card, told again that my previous card was deactivated and there was a claim filed. Friday, XXXX XXXX , XXXX XXXX XXXX 3 minute call Found a charge on my account that was previously missed, called customer service to add it to the list of charges. The pending charge for {$0.00} was from XXXX XXXX XXXX . Was told by the representative that it would be added to the list under XXXX . Wednesday, XXXX XXXX , XXXX XXXX XXXX 21 minute call Called customer service to check the status of my claim. Was told there was no claim on file and that I could file a new claim, which would take an additional 10 days, and be transferred to a supervisor to speak with about expediting. Thursday, XXXX XXXX , XXXX XXXX XXXX 19 minute call Called customer service to speak to a supervisor. Was told that the claim was not filed on XXXX XXXX and that the claim would be filed today. When I asked about expediting and was told, I can send it, but you wont get it. Expediting is for those who are experiencing fraud and are in dire need and How would you feel if you were in dire need and we pushed your case aside to help someone elses first? Again, I was told that this process would take an additional 10 days. She apologized for not being able to do anything else. Thursday, XXXX XXXX , XXXX XXXX XXXX 48 minute call Called customer service, asked to speak to a supervisor. After being told multiple times what the policy is, I was finally transferred to a supervisor. This supervisor also informed me of the policy. I explained that I had already attempted to file a claim, and on three different occasions, I was not told there was a claim filing issue. After being told multiple times that there was nothing more that could be done, the supervisor reached out to XXXX XXXX , TD branch manager, to help resolve my problem. Was told that my account would be credited no later than Tuesday, XXXX XXXX Monday, XXXX XXXX , XXXX 3 minute call Called XXXX at XXXX XXXX to inquire about a status report on the claim, was told I would be called back after XXXX spoke with the claims department Called again at XXXX XXXX , XXXX Informed me that he would call the claims department and call me back before the end of the day to let me know the status of my claim. Tuesday, XXXX XXXX , XXXX 1 minute call Called XXXX branch at XXXX XXXX and was told that XXXX was not in. Spoke to XXXX , assistant manager, who informed me that XXXX did not reach out to the claims department until earlier this morning. XXXX said that he would try to be in touch with XXXX and would call me back today regarding my expedition request and credit to my account. Called XXXX branch at XXXX XXXX to speak with XXXX . He informed me that he was in touch with XXXX , and that XXXX said there was nothing that he could do and that he never said my account would get credited.
Company Response: Closed with monetary relief

Timely Response