TD BANK US HOLDING COMPANY

2017-05-24

Lemoore, CA

Problem when making payments

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

Problem during payment process
Company Response: Closed with explanation

Timely Response

2017-05-24

Brooklyn, NY

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 explanation

Timely Response

2017-05-23

Bessemer City, NC

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation

Timely Response

2017-05-23

Atl, GA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2017-05-23

FL

Incorrect information on your report

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

Account information incorrect
Complaint: TD BANK USA/TARGET CREDIT sh ow me being late on payment s 180+ day s from XXXX XXXX through XXXX XXXX - That account was closed and paid in full in early XXXX
Company Response: Closed with non-monetary relief

Timely Response

2017-05-23

Capitol Heights, MD

Closing an account

Checking or savings account: Checking account

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

Timely Response

2017-05-22

Gorham, ME

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-22

Greensboro, NC

Closing your account

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

Company closed your account
Company Response: Closed with explanation

Timely Response

2017-05-22

Nyc, NY

Getting a credit card

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

Problem getting a working replacement card
Company Response: Closed with explanation

Timely Response

2017-05-22

Gloucester City, NJ

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with monetary relief

Timely Response

2017-05-21

Yeagertown, PA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-05-21

Buck, PA

Incorrect information on your report

Checking or savings account: Personal line of credit

Account status incorrect
Company Response: Closed with explanation

Timely Response

2017-05-20

Norfolk, VA

Getting a credit card

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

Application denied
Complaint: I applied to TD Bank N/A o n or about XXXX XXXX XXXX for th eir XXXX XXXX XXXX XXXX XXXX since I have an XXXX XXXX accounts. Attempted to contact them several times between XXXX XXXX and XXXX XXXX XXXX . I was able to get an recording that my application was denied. A few times I tried to reach an representative I was disconnected. I still as of toda y, XXXX XXXX XXXX h ave not received an official letter stating I was declined and as to why I was denied. This is a major violation of banking rules and regulations. I have an right as an consumer to know why I was denied. As an result of this I will be filing an BBB and Attorney General complaints as well! I have an right to legally know and receive an letter! My address is still the same as listed on the application and listed in this complaint!
Company Response: Closed with explanation

Timely Response

2017-05-20

Englishtown, NJ

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2017-05-19

College, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2017-05-19

Florence, NJ

Fraud or scam

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

Company Response: Closed with explanation

Timely Response

2017-05-19

Phila, PA

Closing an account

Checking or savings account: Checking account

Can't close your account
Company Response: Closed with explanation

Timely Response

2017-05-18

Kissimmee, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2017-05-18

Chicago, IL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Closed with monetary relief

Timely Response

2017-05-18

Fort Pierce, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Closed with explanation

Timely Response

2017-05-18

Medina, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I started an account wit h TD Bank to help rebuild my reputation with banks. Unfortunately I never received my statements. According to TD bank my account was closed due to no activity and charges were placed on the account by the bank in the form of fees. According to a letter supplied by XXXX XXXX XXXX Direct Line XXXX . When I asked for Verification of Debt, which I have complete right to unde r US Code 15 USC ( Fair Debt Collections Pra ctices Act ) I was told " XXXX . '' the gentlemen completely refused to of fer Verification of Debt. I had no idea that this matter was outstanding, and that is demonstrated because I attempted to start a third account, it was frozen because I owed, XXXX on XXXX account and another account was XXXX dollars and that was forgiven. I only contacted this bank because I was going through my XXXX account and my XXXX to clean up any issues. I believe that the XXXX report may even state that this was paid, I will have to find that document and followup either way.
Company Response: Closed with explanation

Timely Response

2017-05-18

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 have a XXXX XXXX XXXX retail card issued by TD Bank. I was talked into taking advantage of the 6months no in terest a sofa i was interested. Purchased sofa XXXX / XXXX / XXXX . Continued to make monthly payments until paying off balance on the website XXXX / XXXX / XXXX . Seeing the website showed a zero balance, I assumed this balance was paid in full. I continued to receive emails of statements however i did n't think i had any reason to concern myself with the raymour account any longer. XXXX XXXX , i received an out of the ordinary letter in the mail telling me my account was past due and there was a {$260.00} balance that has been gaining interest and late fees since XXXX / XXXX / XXXX . I immediately called the TD Retail division that handles these types of accounts and asked for an explanation as to what had happened. After some investigation i was told my last XXXX bill was officially due on XXXX / XXXX / XXXX - I had paid the entire balance XXXX / XXXX / XXXX and there was changed aprox {$150.00} in accrued interest unbeknownst to me. The {$150.00} was n't charged to my account until the XXXX billing cycle. Having not being aware of this TD Bank XXXX car d was no longer on my radar of monthly bills. The CS representative also explained to me the y TD is not oblig ated call customers with outstanding balances. I however found this outrageously deceptive and asked to speak to her supervisor because now i was n't so worried about the outstanding balance, I have cultivated excellent credit rating and now feared any marks against my credit. Having to wait 3 days for supervisor to call, i was in a meeting when he called and had to call back. I called back rou ghly 30minutes later and asked to speak w/ him as i was returning his call back. The representative wouldnt put him on the call and she was playing the part of a proxy to mediate this outcome. She told me they would take off 3 of the late charges however it the marks against my credit will stay. I had no choice but to pay the remainder of the bill, and hopefully through you and dealing w/ the credit score comp anies, transunion and equafax hopefully i can straighten this out. My credit went from XXXX to below XXXX . In my opinion this is very deceptive business operations. XXXX XXXX emails me almost weekly snapshots of my balance, and or any new charges to my account. Why wouldnt a credit card company that would see an account is in past due, not call the customer and follow up? Why would they be shady by telling me they are not obligated to practice such business? XXXX / XXXX / XXXX promotion ended - i paid in 6days apparently late and now my credit is in shambles. This doesnt seem ethical. Please help me.
Company Response: Closed with explanation

Timely Response

2017-05-17

Boston, MA

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I ha ve a Target store c ard that I charge to infrequently and earlier this year had a balance that I thought I paid off. However, because they charged me a ( very high {$38.00} ) lat e fee, I still owed them a small amount of money ( which was really a leftover piece of a late fee of a few dollars ) that I was not aware of. They then charged me a late fee on top of that and another one on top of that and so on so basically what they are doing is continuing to charge me late fees for not paying late fees that I do n't agree with. I called them on Monday, XX/XX/XXXX t o discuss because I could n't figure out what was going on ( they have/had my name spelled completely incorrectly so not sure I was getting every bill and on the bills I had I could n't figure out what I had charged that caused me to owe them anything and I had n't been to the store in some time ). When they explained that they were basically charging me late fee upon late fee upon late fee with no underlying overdue balance, I told them I thought that was not reasonable and asked them to waive some of the charges. They refused to waive any of the charges so I told them to cancel my card. They said they could not cancel charges, which is n't true. They cancelled my card/account but told me they would continue to charge me late fees upon late fees if I did not pay the balance by the due date, which is XX/XX/XXXX . I asked to speak to a supervisor and they said there was no supervisor available. They told me a supervisor would call me within 24-48 hours. I still have not heard from a supervisor and would like to clear this up but I do n't think I should have to pay all of the balance. I 've never dealt with a company that behaved like this. They 've lost my business. I
Company Response: Closed with explanation

Timely Response

2017-05-17

Bellevue, TX

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: I go t a Target card wh en I went XXXX Friday shoppin g 2016. The gu y at the store must have taken the address off of my license and did n't ask me if it was correct. It was very busy that evening. I noticed I had not received a bill so I called them to take care of it. They sent my card to my soon to b e ex husbands address, which is my old address. He did n't tell me and Target did n't either. I did not have any messages on my phone. When I called to resolve the issue with Target they would not help me they just blamed me for giving the wrong address when I was never asked. I paid the bill that was originally owed based on my receipt. I sent them a letter stating the problem and they keep sending me bills regardless of me telling them I will report them for not even doing a thing to help me. I have NEVER had any complaints about 1 company like this in the past. I just want the Target card cleared and close d. I do n't know that I will shop there again based on this experience. I will tell others of this experience. I think it 's bad customer service because as soon as I realized it I tracked the bill down and payed it.
Company Response: Closed with explanation

Timely Response

2017-05-17

Fort Pierce, FL

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response