TD BANK US HOLDING COMPANY

2017-01-29

Hollywood, FL

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-29

San Diego, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX ** which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-28

Kansas City, KS

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I called XXXX & XXXX and was told the account reporting on my credit file does not match my address or my identifying information yet Target/TD is still reporting on my credit file. My address : XXXX XXXX XXXX XXXX KS XXXX. I 've been a victim of identity theft many years ago and I have submitted yet another police report.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-27

Mc Kinney, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-27

Midland, TX

Delinquent account

Credit card:

Complaint: I am trying to pay my Target Credit Card which had gone into collections. I was getting a consolidation loan to begin cleaning up my record. Target Card ( Visa ) will not give me any documentation of what I actually owe. They orally have said that they will accept {$2000.00} to settle the card, but will not give me ANYTHING it writing to show this agreement has been reached. Of course, my fear is that I will pay them and they will continue to say I owe them more and more. If they are willing to put the amount in writing, I will gladly get them paid, but they will not. Please help! The resolution I request is simply to put in writing that if I pay them what we verbally agreed on {$2000.00}, they will accept it as payment and remove it as a lien. Sincerely, XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-27

Huntingtn Bch, CA

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-26

Harrisville, NH

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-26

Fort Lee, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-26

Lexington, KY

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-26

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: TD Bank is where I have my checking account for my small business. The nature of this complaint is that TD Bank has deceptive online accounting processes that purposely inflate your actual " Available Balance '' which allows XXXX to over-write checks or over-make online bill-payments or over-withdraw from ATMs which then encourage you to dip below their monthly minimum balance of {$1500.00} to avoid paying a $ XXXXmonth fee if you EVER ( even for 1 minute ) dip below a balance of {$1500.00}. The gist of the issue is the following : Your main " Available Balance '' is always higher than it actually is if you use their online Bill Pay system which is outsourced to a 3rd party vendor. Why is this? Because when you make an online Bill Pay, they do not immediately debit your account for that amount for 5 days! Yes, 5 days! Why it is not instant is beyond me. Even if the funds are n't debited, your " Available Balance '' should reflect all of your online Bill Payments in real-time or at least within hours. To lag 5 days encourages you to always see that you have more money in your " Available Balance '' than you do. The net effect of this is that I have often dipped below my {$1500.00} minimum balance and been charged a $ XXXXmonth fee for doing so. The fee is charged whenever - even for a minute - your balance dips below {$1500.00}. Well if the online messaging shows " Available Balance '' AND shows that your Bill Pay status is PAID, XXXX would think that your " Available Balance '' amount would be accurate. Yet, each online Bill Payment has a 5 day lag. I have notified TD Bank of this sleazy accounting and they have done nothing. I have uploaded 3 screenshots with a date and time on the first XXXX. 1 ) The first screenshot shows my available balance of {$4500.00}. It also shows no mention or accounting for a {$1000.00} payment to XXXX on XXXX/XXXX/2017. 2 ) The second screenshot shows NO PENDING PAYMENTS of any kind within my Bill Pay section of their system. 3 ) The third screenshot shows that my XXXX {$1000.00} payment ( made on XXXX/XXXX/2017 ) status is PAID, but wo n't be delivered for 5 days! This amount is NOT reflected in my " Available Balance '' for 5 days. This goes for every bill pay I make. So the more online Bill Pays you make, the more often you risk over-withdrawing, over-check-writing, or over-bill-paying and dipping below the monthly minimum balance of {$1500.00} needed to avoid a monthly fee of {$25.00}. So the more you transact, the more chances you have of dipping below {$1500.00}.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-26

Occoquan, VA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: 1. TD Bank offers online account opening option. However does not give any notice that my credit will be checked without my knowledge. 2. The application does not get approved based on their erroneous credit info report they get w/o informing the customer of this process. 3. Once I called the CSR, the manager indicated despite checking my credit ( the bank wants me to go to the branch ) to verify the info! 4. The manager said in the bank they do not check credit. But again no such info is listed on the site.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-25

Jackson, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-25

Garrison, MD

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-25

Jaconita, NM

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-25

Wallington, NJ

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-25

Fairfield, CT

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-25

Berlin, CT

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-25

Queens, NY

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Complaint: To whom may concern, I was charged {$520.00} as penalty to withdraw a CDs. Please allow me to demonstrate the unfairness from TD bank services. XXXX. I tried to stop the transaction before it is completed. I opened a CDs online on TD website, but I realized my investment on TD was poor, and I tried to stop its process before it is completed. So within an hour, I called Customer Services to stop it, they said they can not and I need to go to the branch. I went to the branch ( XXXX ) right away ; the banker XXXX XXXX tried to reverse it for me, but he said the CDs is not on the system yet, so I have to wait 72 hours to come back for any action. I came back to the branch next Monday, Banker XXXX XXXX picked up my case and brought it up to her manager XXXX XXXX. XXXX brought it up to her Region Manager ( I can not get the name ). The top manager insisted I should pay full penalty. 2. I invested the CDs with Step rate of 5 years, and the first year rate was just 0.35 %. Why my penalty is too high? For step rate CDs, I can take out all my monies after a year matured. With the Cds amount of $ XXXX, I will make interest of {$260.00} for the first year. My penalty is {$520.00} which is much higher than the interest I would make. 3. TD bank did not give sufficient and clear information when I opened the account online. TD website did not clearly state the penalty of withdrawing a Cds. It makes it too simple to open a CD account. Please investigate my case, I am complaining because the TD bank 's delayed process, the top manager 's disregard, the unclear high penalty, and insufficient provided related information.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-25

Nyc, NY

Rewards

Credit card:

Complaint: I applied for a TD Bank Credit Card after receiving a promotion through mail from TD Bank that offered {$200.00} cash back on opening a TD bank credit card account and spending {$500.00} in 90 days. I did that and followed up with the TD Bank customer care number few weeks later when the amount was not transferred. They provided me a fax number ( XXXX ) and asked me to send a scanned copy of the promotional offer and assured me that the amount will be transferred in 5-8 business days. I asked for a complaint or reference number so that I can follow up, but I was told that it is not required. I did the needful, but still did not receive any cash back. I called customer care a second time and was advised this time to go to the bank and get my issue resolved. I visited the XXXX, NY branch of TD bank on Wednesday, XXXX/XXXX/2016 and spoke with a representative there. The representative called customer care, faxed the scanned copy of the promotional offer to the same number again and assured me that I will receive my cash back in 5-8 business days. When I still did not receive any cash back I sent an email on XXXX/XXXX/2016 to the same TD Bank Branch representative who I spoke to earlier and requested him to look into the issue. The bank representative did not even care to reply to the XXXX emails I sent him to respond. I have exhausted all avenues of reaching out to the bank and hence filing this complaint with CFPB for resolution to this issue. Thank you for your services.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-24

Ft Trumbull, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Bronx, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-24

Orange, NJ

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-24

Miami, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: TD bank is violating my my consitition rights XXXX withholding me from my direct deposit than denie me the request to speak to a manager when requested ... Td bank is constantly committing waste fraud and abuse to cause me harm reguardjng my direct deposit
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-24

Wallington, NJ

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I has established a direct deposit to my new savings account opened with TD Bank. The amount was received by the bank but they held it in a warehouse and refused to credit the funds to my account despite numerous requests. At first I was told that at TD Bank unlike all other banks direct deposits get credited only at the end of the business day and not first thing in the morning. When I pushed back on the explanation provided, I was told that the funds ( large amount exceeding XXXX ) was being held in their " warehouse '' as the instructions indicate the account type is checking and not saving. After being placed on hold for over 30 minutes was told that the " warehouse '' has been requested to release the payment. It is not guaranteed but the funds " may be '' made available tomorrow. I indicated that it was not acceptable for the bank or the " warehouse '' to simply hold my payment for over 24 hours ( or more as not guaranteed ). I was told I was at the bank 's mercy and they can hold my payment for as long as the " warehouse '' deems necessary and that the bank can only send them a message which they have already done. When asked to speak to a Manager I was placed on additional 15 minutes hold and then old no one is available. When asked on how as a consumer I feel helpless and taken advantage of and need to escalate I was again placed on another long hold and then asked to leave a voicemail to the Manager. Left the voicemail and as expected did not hear back. What protections if any do I have when the Bank or its agent - the " warehouse '' illegally hold my funds with no resolution or guarantee on when I will get the funds? What are the penalties and sanctions that the bank is exposed to for such illegal, unethical and immoral acts? Are consumers in this country just at the mercy of banks like TD bank and banks can hold the hard-earned direct deposits funds whenever and however they like? What are the labor law violations that the bank has committed by avoiding a worker from having timely access to their wages? Most unacceptable daylight robbery by the Bank. Details of the individuals involved : Agent - Her name was probably XXXX - She seemed completely ignorant with no knowledge of banking what so ever. Supervisor - XXXX. Refused to give her full name. Extension - XXXX. Called herself both the supervisor and Manager. Was extremely rude, arrogant, and indicated that the bank could take as long as they want and that as a consumer I had no recourse against the Bank or their " warehouse ''. Manager - The voicemail indicated her name was XXXX. Failed to contact me despite my detailed message and plea regarding the important matter on hand.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Bonaventure, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response