TD BANK US HOLDING COMPANY

2017-02-05

Newark, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-05

New York, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I used td bank credit card, it is connect with my TD bank checking account, I realized that i dont have enough money on my td bank checking account and I put my td bnk checking account XXXX XXXX day before payment due date than they charged to me {$35.00} XXXX late payment fee not done, they charged twice XXXX, i called bank at least 5 times nobody could not help i paid already they charge me same balance two times, than they told me everything fine, everything OK after i got mail from TD BANK, they closed my checking account because i owe them XXXX ... i paid my credit card balance, they charge me twice and close my checking account because i owe them money, they broke my credit history
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-05

Lakeland, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-04

Dickinson, TX

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-04

Del Valle Finance, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-04

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have disputed {$210.00} in overdraft fees to my bank and the response I received did n't address my concerns so I am contacting you. I did a transfer using XXXX XXXX and afterward I checked my account which reflected the deposit. Following this, I sent a payment through the service XXXX. TD Bank later changed the order of my transactions to make it seem like I sent the XXXX payment before the XXXX XXXX deposit posted. This is not what happened and this is not what my account reflected when I checked after I accepted the XXXX XXXX money transfer. I contacted the bank 's customer service line and was told that I would have to go into a branch to get a refund because she was only allowed to give my back {$35.00} over the phone. When I went in to the branch, the representative told me that TD bank has a policy where purchases are posted before credits, no matter if the credit is received first. And then she said she would only be able to refund me {$35.00} of the {$210.00} overdraft fee. I told her that changing the order of transactions is illegal and I know XXXX XXXX, XXXX, and XXXX XXXX XXXX recently had to pay a XXXX dollar settlement for engaging in these practices. She told me that she would email her branch manager to see if they could refund me all of the fees. I never heard back. This was a branch on XXXX and XXXX XXXX. I also called the customer service number again and told them it was an emergency and I needed those funds because I was moving that day. The supervisor I spoke to only refunded me {$70.00}. So, the bank still owes me {$140.00}. I am reaching out to you in hopes that you can help me resolve this issue. I have had trouble getting food because of this bank error and it is not fair!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-03

Hawthorne, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-03

Blythewood, SC

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2017-02-03

Branford, CT

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-03

E Hartford, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-03

Arlington, MD

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-03

Indiahoma, OK

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: We are an oilfield family. The last XXXX3 years have nearly sunk us. I have repeatedly sought assistance from TD Auto Finance to work out some other means to get through this without bankruptcy or reposession. They once gave a deferral, but said we had to pay on time for a year before another deferral could be offered. The website only allows partial or future payments if you are caught up on your payments. It refuses to allow partial payments if you are 30+ days over due. They are causing more late fees by not taking partial pay.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-02

E Meadow, NY

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-02

Rochdale, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: to whom it may concern, i presently have both a checking and a savings account with td bank in XXXX, ny. on XX/XX/2017 to branch on at XXXX, ny XXXX i went to make a deposit which i told that my checking account had a negative balance of {$9.00} which was immediately deducted from the deposit of {$30.00} which left {$20.00} in my checking. before i make a purchase i always check my balance to avoid an overdraft fee. when i checked my the day before at another branch i had exactly {$9.00} in my in account. question? how did my account go from {$9.00} to a negative balance within 24 hrs? this is the 3rd time i have gone into this particular branch only to have to fight to have monies restores to my account most. time the situations have been resolved. this time not and to add insult to injury the young woman who handled my transaction was smug and sarcastic when i told her that things were not right. she needs to be investigated as should that particular branch people are having monies taken from them and its wrong.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-01

New Brit, CT

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-01

Dallas, GA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-01

North Tunbridge, VT

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-31

Midland, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-31

Bergenfield, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-31

Lynn, MA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a TD Premier Checking account XX/XX/XXXX, enticed by the {$300.00} sign-up bonus. I met all the terms, specifically the {$2500.00} in direct deposit within 60 days of opening the account. The fine print indicated that I could expect my bonus 95 days after opening the account. 95 days passed, and the bonus never arrived. I ended up calling four times over the course of a month, and was given inconsistent answers each time. The first representative told me that the 95 days began after I met the terms. I corrected her, and pointed out that it was in fact 95 days after the account was opened. She acknowledged the mistake after reading the fine print, and said she would seek an answer. Weeks went by and I never heard back. I called again, and this representative told me I had n't received the bonus because I was n't considered a new customer, which is who the offer was available to. I had trouble with the website when starting my account, thinking my requests had n't gone through. This resulted in me errantly starting XXXX accounts. I immediately closed XXXX of them, but apparently this led to me not being classified as a new customer. The representative acknowledged that this should not prevent me from receiving the bonus, and that she should be able to explain the issue to a superior. She said she would send a detailed e-mail on my behalf. A couple more weeks went by, and the bonus still did n't appear. I spoke to yet another representative, who apologized for me having to explain the matter to so many people. She said she would attach a note to my account, and seek resolution. Alas, the next day, I was contacted by another representative, who told me that he had been informed by whoever had the authority to make such a decision that I would not receive the bonus at all because apparently I signed up for the account at a time when the offer was n't available. This is utter nonsense. The offer was being advertised all over various personal finance websites XX/XX/XXXX. No specific timetable was provided. The offer was clearly outlined on the TD Bank website. I was careful to read the fine print and understand the details and terms. Also, if the offer was n't available at the time, a customer service representative would almost certainly have informed me of this during my previous calls. This bonus should not be advertised if the terms will not be honored. It is a deceptive way to attract new business. I am angry that I spent any time opening an account with TD Bank, and dedicated effort towards re-establishing my direct deposit destinations, for the ultimate result of a slap in the face.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-31

Quartzsite, AZ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have reported fraudulent activity and a case of stolen identity to these financial institutes.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-31

Nyc, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XX/XX/2016 I had funds in my account Td Bank charged me overdraft fees XXXX times. XXXX $ XXXX {$320.00} my negative balance at the moment is {$280.00} meaning I do have my own money there and I did have money there the same day " it went to negative '' as Td Bank claims. Their customer service is ridiculously rude, they sound like bunch of scam artist at the branch and over the phone. I 'm a new customer with this bank, I just wish I did n't switch over to them from XXXX. When i checked my balance it was showing my remaining balance for example : ( {$100.00} ) so this ( ) means that its negative? Never seen this done at another bank. Usually if an account is negative you will see it in red with a - {$100.00}. I 'm very upset with this situation, I have no idea where to get help with this matter. Went into the branch they did n't help me out, called Td Bank they did n't help me out, asked for a supervisor she did n't help me out. I have no idea what to do, this is not fair.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-30

Brooklyn, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-30

Atlanta, GA

Cash advance

Credit card:

Complaint: I notified the credit card company that my daughter would be abroad in XXXX and would need the card for both purchases and for cash. I was told there was a {$500.00} cash limit per month and what the fees associated with the transactions would be. My daughter withdrew approximately {$200.00} in cash as well as made several purchases. Then, with no notification, the cash withdrawal amount was changed to {$0.00}. I did a complete search of the policies regarding travel abroad and cash limits on the website and read everything there was, and there is no stated policy available on the website. I have spent literally the last 2 hours on the phone with them and have been told 1 ) that " perhaps '' the cash withdrawal amount would go back to {$500.00} the next billing cycle 2 ) that maybe it was because I had a late payment XX/XX/2016 ( then why was the cash amount of {$720.00} still available XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016? ) XXXX ) that maybe it was because the account had been inactive for many months ( but why did n't they inform me of this when I spoke to them at length about the use of the card abroad before my daughter left for her trip? ) 4 ) the card was meant for purchases, not for cash withdrawal ( why did n't they tell me this to begin with? ) I was told the credit department would do periodic evaluations of all accounts and decide on cash limits, but they would not look at my account specifically. Had I known all of this, I would have chosen another card to send with my daughter.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-30

FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I rec 'd an Escrow Analysis Statement from TD Bank in XXXX XXXX which stated : Escrow shortage of {$130.00} and gave me XXXX choices ; # 1 ) pay the shtg. and new monthly pmt. will be {$360.00} ; # 2 ) do n't pay shtg. and new monthly pmt. of {$370.00}. Since I 'm on a restricted budget, I chose to make my XXXX XXXX pmt. of {$360.00} and wrote a note on my check as well as on my pmt. stub that I would pay the escrow shtg. in XXXX along with my XXXX pmt. Evidently, no one pays attention to notes written in red on either checks or pmt. stubs and this theory was confirmed by a TD Bank XXXX XXXX. rep. who later told me that " they do n't look at those types of things! '' So, due to the {$11.00} shtg in my XXXX. pmt., my pmt. was considered delinquent/unpaid! I began receiving Past Due statements and called the XXXX. Dept. I was made aware of the problem and told them I would make a pmt. to correct it. I was told to pay {$11.00} for the shtg. and {$7.00} late fee = {$18.00}. On XXXX I went to TD Bank 's XXXX XXXX/Cust. Serv. Rep. with ( XXXX ) cks., explained the situation and asked him to make sure these cks. were posted properly : # 1 ) ck. # XXXX = {$18.00} " to complete XXXX '' + late fee ( {$11.00} + {$7.00} ) # 2 ) ck. # XXXX = {$370.00} for XXXX pmt. **I have receipts for both of these pmts. I continued receiving Past Due statements and called again on XXXX, this time speaking with XXXX XXXX/Coll. Dept. " Team Leader '' who told me their records show I did not make a pmt. for XXXX but they did show a pmt. on XXXX for # XXXX ( which was my XXXX. pmt. ) but none for {$18.00}. He gave me information needed to fax him copies of my receipts which I did on XXXX/XXXX/XXXX. He was to call me when he rec 'd my fax but I never heard back from him again! I continued getting Past Due notices and called again, this time speaking with XXXX XXXX who also said no record of pmts. made on XXXX. He said he would contact XXXX XXXX and get back with me. Called me back on XXXX/XXXX/XXXX after speaking with XXXX who told him " I never rec 'd a fax and furthermore, I never even spoke to her ''!! They were supposed to contact me again but neither of them did. I told XXXX XXXX that I will not be making any further mortgage pmts. until this matter is resolved. He noted it on my acct. I have made numerous phone calls prior and since then without resolution. On XXXX as a desperate attempt, I went to XXXX Bank to speak with an officer there regarding this situation and to see if I could possibly change my mortgage over to their bank without too much cost. It will be impossible for me to do so but the person there made an attempt to help me by making numerous phone calls to TD Bank Coll. Dept., all on speaker phone. The first person denied any such acct. # and I also did n't exist even using my SS #! We finally reached a person in the XXXX/TD Bank Loan Dept. ( this mtg. was originally a XXXX loan which was bought out by TD Bank ). She told me that my outstanding balance a/o XXXX was {$770.00} ( 2 months ) and gave us another fax #. The following day I went to the TD branch and we attempted to fax the info. without success ... 4 times! I called her # and was told that they did n't know who she was or what her fax # was or what dept. I needed! ( I have the fax confirmations for those attempts ). Two days later, I rec 'd a statement from TD in the amount of {$1600.00}! I have gotten statements similar to this in the past and when I called them to inquire have been told to " just disregard the statement ''! What if I did n't call and just made the pmt.? Where would the $ go? Something is definitely wrong at this bank and I feel that they need to be investigated thoroughly by an outside agency. Hopefully, you 're the one that can help me! I am holding my XXXX, XXXX pmt. until this matter is resolved! Thank you for your help!
Company Response: Closed with monetary relief

Disputed: No Timely Response