TD BANK US HOLDING COMPANY

2017-03-18

Poughkeepsie, NY

Closing/Cancelling account

Credit card:

Complaint: I was suffering a XXXX hardship since XX/XX/2016, but was able to somewhat maintain my bills. I began to fall behind when my condition got worst around XX/XX/XXXX. At that time I started to fall behind on my Target MasterCard credit card payments. Around XX/XX/XXXX I called target to ask for assistance regarding my bill and be placed on a hardship payment plan. During that time I was very XXXX. When I did get better I called to resume the payment plan. I was placed in one and began payments. Around the end of XX/XX/XXXX I was informed my card was closed which came as a shock to me because I was never informed of this decision. Since then I have n't been able to get a straight answer to why. I was told it 's because I was 60 days late. I went over the terms and conditions of this card and no where did it say my card would be closed after 60 days. I 've asked numerous times to be sent the letter they said I was sent informing me of the card closing and the terms and conditions I was told numerous times it was coming- today I received a package of prior statements in the mail, no terms and conditions and no letter. I 'm extremely XXXX. I also keep being reported to the credit agencies even though I 'm on a hardship program. Finally, I spoke with an account manager yesterday I was told I was actually 90 days late and that 's why my card was closed, this is the first time I 'm hearing this everyone has said I was 60 days late and my credit report says the card was closed for being 60 days late. I feel like I 'm fighting a big corporation and dealing with rude account specialist who are refusing to help me. I 'm still XXXX and the XXXX of this is weighing heavy on me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Edgemoor, DE

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Boynton Beach, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

San Antonio, TX

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-17

Norfolk, VA

Advertising and marketing

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-17

Missouri City, TX

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-16

Boynton Beach, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-15

Sandy Hook, CT

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Oxford, GA

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
Complaint: I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. Thanking you in advance.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Milford, NH

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-15

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Three Bridges, NJ

Problems caused by my funds being low

Bank account or service: Other bank product/service

Complaint: Within the past few months TD Bank implemented a new way of applying transactions to personal accounts. If there is a pending charge ( s ) on the current day that would overdraw your account, and funds are transferred on the current day from another TD Bank linked account you are still accessed a {$35.00} overdraft fee per transaction. There is an option to take automatically have money from a savings account transferred to cover, but you are still accessed a $ XXXX fee. These fees are robbery and need to be addressed. XXXX oversight in record keeping can cost {$100.00} - $ 300 month just to catch back up. People in lower income brackets can not afford this it is not fair.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

San Antonio, TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Manhattan, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

New Bedford, MA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Chicago Heights, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Camden, NJ

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-14

Corbins Corner, CT

Payoff process

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-03-14

Gamaliel, KY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I do not have a credit card with Target. This is fraud and was not opened or used by me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

Oradell, NJ

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

AL

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

Clermont, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XX/XX/2016 TD Bank opened XXXX accounts under my name. I did not open these accounts. TD Bank does not seem to have a system in place to prevent this kind of fraud and to make matters worse, I found TD Bank Fraud Department to be uninterested in this situation. I have made numerous calls to TD Bank with no success in resolving this matter. I have also sent via Fed a Letter to TD Banks CEO, XXXX XXXX is to express my frustration for the lack of action, seemingly lack of interest and low level of cooperation from TD Bank to assist me as a victim of Identity Fraud. XXXX XXXX did not respond to my letter. XXXX : On Saturday, XXXX, I was checking my bank accounts that I had with XXXX and found that I had multiple withdrawals from XX/XX/XXXX through XX/XX/XXXX. Most of the withdrawals were transfers to a TD Bank Account and I do not have a TD Bank Account. I immediately called XXXX and reported the fraud on my accounts and filed a police report and placed an alert with the credit bureaus. XXXX immediately handled the fraud activity on my XXXX accounts, swiftly and professionally. On the same day ( XX/XX/XXXX ) I called TD Bank 's Fraud Department and reported the fraud. I was told to call back on Monday ( XX/XX/XXXX ) and speak to the XXXX XXXX XXXX. I did as instructed and spoke to XXXX XXXX XXXX XXXX ) ... XXXX XXXX took XXXX information and then informed me XXXX accounts were opened on line under my name and both accounts had balances that were sent from my XXXX Account to the fraudulent TD Bank account. XXXX XXXX said she would call me back with more information. When I did not hear back, I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX and left messages ( still no return call ). I then called and spoke to another Fraud Department Representative, XXXX XXXX ( XXXX ) who indicated he would look in to the issue but again no call back. I have since called several times to XXXX and spoke to different representatives and again no calls back. During this timeline I have received checks, debit cards and statements for these fraudulent accounts ( the checks and debit cards were destroyed ). I am still getting statements from TD Bank and as I stated above, my calls to TD Bank have been ignored. This has been a traumatic situation for me personally and I am very concerned that there are still XXXX accounts at TD Bank in my name that I did not open ( as I stated earlier I am still getting statements )
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-13

W Chester, PA

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response