TD BANK US HOLDING COMPANY

2017-04-19

Franklin Lks, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XXXX XXXX TD Bank charged me XXXX bounced check charges for transactions that were made fraudently to my checking totaling {$170.00}. TD was aware of the situation that my account was compromised and shut down my debit card.Yet they are charging me {$170.00} bounced check fees for charges that TD knows are fraud.Made a phone call to their customer service and told me they werent reversing bounce charges that i should be lucky that fraud charges got reimbursed.Very nasty and unpleasant conversation.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-19

Flushing, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-18

Gates, OR

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: We had a loan with TD Auto Finance on our XXXX XXXX XXXX XXXX . On XXXX XXXX XXXX we purchased a new home. Part of that purchase required us to pay off our car loan with TD Auto Finance. A cashiers check in the amount of {>= $1,000,000} was sent on XXXX and the vehicle was paid in full. At the same time we were negotiating a settlement with XXXX XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX . We had a claim in progress at the time of paying the car off. The appointment to present the car was on XXXX XXXX XXXX . We took the car and title to the appointment. XXXX paid us a total of {$28000.00}. {$14000.00} was paid to us and {$13000.00} was paid to TD Auto Finance. TD Auto Finance received that payment on XXXX XXXX XXXX . First we were told that the funds had to be held 21 days and they would then be mailed to us. We called in 21 days and the story changed to 31 days, then to 45 days. To make a long story short their story changed every time we called them. These funds are court settlement funds and should have been forwarded to us, instead TD Auto Finance cashed our check and they have held the funds every since. Today is XXXX XXXX XXXX . TD Auto Finance states that on XXXX XXXX XXXX they returned the funds to XXXX XXXX XXXX XXXX by regular mail. We have been in weekly contact with XXXX XXXX XXXX XXXX and to date the check has not been received. We calle d TD Auto Finance XXXX XXXX XXXX and the check has not been cashed. We are getting no response from either TD Auto Finance nor XXXX XXXX XXXX XXXX and our court settlement payment of {$13000.00} has not been received. TD Auto Finance has held our funds hostage since XXXX XXXX XXXX .
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

San Francisco, CA

Other fee

Credit card:

Complaint: I had a credit card -TD Aeroplan Signature Card , but I closed it in XXXX XXXX and never used this card since then. I wrote to the credit card company in XXXX XXXX requesting closure of my account and called them also. I have not received any communication from the credit card, until today- XXXX XXXX , XXXX today i received a statement with an annual fee of XXXX . XXXX charged to me. I have called customer service of my credit card today, but they have refused to credit the annual fee back, despite the fact that I have never received information that an annual fee will be charged to me. i insisted that they close my account ( although i have closed it in XXXX XXXX but they kept it open ) i think that the credit card is engaged in a scam to illegally keep the account open and collect annual fee.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-18

Lowell, AR

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-18

Jersey City, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have a mortgage w ith TD Bank. TD Bank did not process the flood insurance from my condo in time, and then put a Bank Placed Insurance ( BPI ) to cover flood and increased my monthly payments from XXXX to XXXX to adjust for the BPI in the escrow account. TD has since received and processed t he Insurance Declaration p age for the flood insurance, and they claim they have refunded the BPI to the escrow account, but after multiple attempts and request by Supervisors, their Escrow Department refuses to perform a new escrow analysis and adjust the monthly payments. They claim they do n't want to under-collect, but fail to realize their mistake with he BPI and now are in fact over-collecting. They refuse to correct this mistake and are continuously avoiding my request to perform a new escrow analysis. They continue to collect more than {$150.00} a month in excess.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Kawaihae, HI

Billing disputes

Credit card:

Complaint: I closed my Target bill and paid the balance on XX/XX/17 for sum of {$320.00}. I asked that all documents be mailed to my mailing address on file. Now they are reporting that I still owing money to the credit reporting agencies and it 's negatively impacting my credit report.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-04-17

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: My flood insurance renewal, as required for my mortgage, was sent to the wrong address. By the time the renewal was required the bank ( TD ) had advised me that they were going to get insurance themselves and charge me. There was a 2 month lapse between my renewal and the time the bank placed the policy. The renewal from my insurance wes {$1100.00} for the year, the bank charge was {$650.00} and only for 2 months. This is extreme and evidence of gouging by my lender.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

West Newfield, ME

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened up a TD Bank account in XX/XX/2017. This bank account had a bank promotion of receiving {$150.00} after making {$500.00} in direct deposits within 90 days. I have met the terms of the bonus. When I messaged TD Bank about the bonus they sent me the following message : " Hello XXXX, Thank you for contacting us in regards to the new account opening promotion. TD Bank is currently offering a new promotion that is available only through the Online Banking, by clicking on the " apply now '' through the Ad on TDbank.com. Once the account has been opened through the landing page, the applicant can choose between one of two options : Open a TD Convenience Checking account plus receive direct deposit ( s ) totaling {$500.00} or more within 60 days of account opening to earn a {$100.00} bonus. Or Open a TD Premier Checking account plus receive direct deposit ( s ) totaling {$2500.00} or more within 60 days of account opening to earn a {$200.00} bonus. The account must be opened for at least 95 calendar days to receive the incentive. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. A review of our records indicates that this account was opened in person at your local TD Bank store location. Where this is an online only promotion the account would not be eligible for the promotion. If it is helpful to note, TD Bank does run promotions periodically for current, or past, Customers. Please feel free to check in with your local TD Bank Store for any promotions that may be available in your area. We apologize for any confusion. If you have any further questions, please contact us via email or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week. Kind regards, XXXX XXXX. TD Bank On-Line E-mail Specialist '' There are two problems with this response. I received an email of the promotion from a TD Bank representative. She informed me that I was eligible for the promotion. The promotion she sent me says nothing about the account having to be opened online. The 2nd issue is that the response says the promotion was for {$100.00} when in fact it was for {$150.00}. I have the email that the representative sent me. This is completely unacceptable to tell me I can open an account and get a promotion and then months later after I have already completed the terms tell me that I can not get the promotion when the representative said I could.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-17

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-16

Lansdowne, VA

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-15

Teaneck, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I tried to log into my online banking account and after I logged in they asked me a security question that I somehow did n't pass. They proceeded to lock my account. I called the number they provided to me, and I spoke with a man named, XXXX ( if thats his real name ) and he asked me for transactions that he could verify and I was giving him transactions from the past week and he said those are n't cleared yet so I ca n't use them. He then proceeds to ask me " what name have I gone by in the past? '' and he lists several names that are not mine and then he says half my name. I know my name has an apostrophe in it and it confuses systems so i chose the only answer with my name in it and IT WAS WRONG. He then patched me through to a supervisor and she only repeated the same thing and then proceeded to say that its out of their hands and that they get the information from XXXX XXXX some credit company. I am a XXXX and the only credit I would have to my name is loans but they 're deferred and I took them out years ago when I was going to XXXX out of state. I then proceeded to question the lady on why this was a thing and she proceeded to repeat herself over and over again. She even cut me off on the phone to repeat herself and after she was unable to answer any of my questions she then said, " Well the only thing I can do for you is tell you to wait till monday. Would you like the hours of the bank? '' I KNOW THE BANK HOURS! I wanted to know why they would lock my account and not have any way to unlock it. I want to know why they are using some random credit company and then burdening XXXX kids who dont have credit. I am genuinely upset and dissatisfied with my conversation with the supervisor and her lack of knowledge, kindness, and ability to answer a question and inform me of all the information I asked. I wanted to check the money in my account and see if I am correctly managing my funds because I have events that I need to budget and allot money for in the coming weeks. I genuinely do n't feel like I will be continuing my business with TD Bank, which is sad because I 've been with them since they were XXXX and I just feel like this is a hassle I dont have time for.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-15

Georgetown, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-15

Warrenton, VA

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have a joint checking account with TD Bank. The other person on the account cashed a check without my authorization. When I called TD Bank I was also told that the other person can take all of the money out and close the joint account without my authorization.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Plaza, CT

Credit reporting company's investigation

Credit reporting:

Problem with statement of dispute
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Shulerville, SC

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Td bank continued to overdraft my account without any notifications and now, I have overdraft fees I ca n't afford. I 've paid them literally THOUSANDS in overages, then as soon as I 'm out on medical leave, I 'm faced with this! Prior to, I purchased a money order from them, and had to wait 90 days with the receipt to get it back!!! RIDICULOUS then after I reached out to clear, they give me only 30 days. Uggghhh
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Blackwood, NJ

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Kawaihae, HI

Payoff process

Credit card:

Complaint: My target credit Redcard was a few days past due so they turned it into their collection agency which is only open during certain hours and days. I live in Hawaii and I called at XXXX on XX/XX/XXXX. after being on hold for a while with Target customer service I finally got through to an agent because using the automated pay system was n't working after I tried three different times. I finally got a hold of a customer service agent and they told me I had to speak to a different department in collections. I was placed on hold and waited for another five minutes with hold music but no one came to the phone. Then I was disconnected. I called back again and waited again another XXXX minutes to speak to a customer service agent and I explained what happened. they said that the collections department had closed at XXXX Central time and they will not be open tomorrow because it 's a holiday - XXXX. I asked for a supevisor thinking that they could access my account but no change in attitude. She ( manager ) said they would be open again on Saturday and that I would have to call back during business hours on Saturday. I told them that I was ready to make the payment and could they please accept my over the phone payment or online payment and they said no because my account information was no accessible. I could not find anywhere in the Target Card Agreement where I was restricted on paying off a late invoice to Target unless through collections. I had been traveling in XXXX and overlooked that months payment so I usually have a good credit history. I felt this was unfair treatment for a consumer to deny receipt of payment! Consumers ought to have the right to pay online or by phone to pay their credit cards, especially if they are behind and do n't want to accrue additional fees or interest. Please address consumers rights on this matter so this does n't happen to others in a similar situation. Thank You
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Cedar Grove, LA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Atl, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-14

Campbell, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-13

Davenport, IA

Late fee

Credit card:

Complaint: I set up my credit card for automatic payment on XX/XX/2017, on this date I also made the monthly payment which posted on XX/XX/2017. On XX/XX/2017 I received a call from Target Redcard stating that I had missed my payment and I needed to pay a {$38.00} late fee. I explained that I 'd set the account up for auto pay and I expected it to be automatically debited from my checking account. The representative acknowledged that autopay was indeed set up on the account, however she did not know why the payment did n't process. I asked that the fee be removed and authorized her to debit the missed payment. I then received another phone call on XX/XX/XXXX stating that the account was not on autopay, and that the late fee would not be removed. I requested a follow up phone call from a supervisor and to have the XX/XX/XXXX call reviewed, the supervisor called back, however she did not review the call and refused to remove the fee instead stating that she 's sorry for the miscommunication, but theres nothing that she will do to correct it. Aside from this alienating customers, it seems very disningenuous for the representative to state that the autopay setup to mysteriously disappreared over the last 7 days. This seems like a scheme to force consumers to pay a fee that is not owed, while damaging individual 's credit.
Company Response: Closed with explanation

Disputed: No Timely Response