TD BANK US HOLDING COMPANY

2017-01-23

Chicago, IL

Credit determination

Credit card:

Complaint: On or about the XXXX of XXXX XXXX I made an application for a Nordstrom credit card online. Before submitting the application I called the company because I could not get the application to go through because it required an expiration date for my State ID. I do n't have an expiration date on my ID because in the State of Illinois when you are over XXXX years of age your ID no longer has an expiration date. After explaining this to a woman at Nordstrom credit. She advised me to submit the form and it went through. A few days later I got a letter from Nordstrom dated XXXX XXXX, XXXX stating that my application was turned down because of an account that I had with Nordstrom 's that was charged off. Since I had no recollection of such an account I called Nordstrom and was advised that according to their records I had an account that was charged off in XXXX. I then called the company that had purchased the charged off account and I was told that I had discharged a Nordstrom account in a bankruptcy that I filed in XXXX. I have been working to build my credit for the past 2 years and look at my credit reports at least once a week. None of the credit reporting agencies are showing the XXXX bankruptcy nor do they show any Nordstrom account that is past due or delinquent. The bankruptcy was discharged in XXXX. Since that time I have been working to repair my credit. After speaking with the company that bought the debt I tried a total of five times to call Nordstrom credit and could not get through. When I left my number for them to call me I received no return calls. I feel that I am owed an explanation as to how they came to the decision to deny me credit. This is the first time I have heard of a company that uses a 14 year old bankruptcy as a reason to deny credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

MS

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I run a business that functions mostly on credit card transactional deposits. I opened XXXX accounts with TD bank for daily use of this cash. I continually get overdraft fees ( thousands of dollars ) as the card allows you to overdraft. They did not initially tell me about this feature. When I found out, I complained to management multiple times that I do n't want these fees and to turn off this feature as I have employees using the cards and they do n't always know the account balance. They refused to turn off this feature. I literally am getting hundreds of dollars a day in fees. I feel they are taking advantage of low income citizens. I do n't make a lot of money but I work hard for what I do make. I would like the accounts closed and the fees refunded.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-21

Fort Worth, TX

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-21

Brooklyn, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: TD Bank authorized XXXX payments of {$1400.00}, to a school debt collector. This was done after I called and explained to the bank I do not want it authorized, do not release any funds to them. However the bank let this school debt collector take the funds from my account/debit card twice. Meanwhile that I closed both the account and card days prior, because I was advised to, by a td bank representative. The account that I reported was tampered with serval times before. Also it was explained to me, the compromised account was in no check status and taken care of. Now the bank is saying, that I authorized the payments. I reached out to the debt collector and they explained to me, the bank released the payment. TD Bank had the collector, Account Control Technology, send me a letter, stating I must sign to prove I authorized the payments, when I did not. I did n't sign anything. I brought this form to a TD bank, to attach to these payment disputes I filed. This is the proof that I never authorized any payment to be made. Td Bank suggested that I close the card and account because it was compromised. Now I 'm over drawn. They have me over drawn & now the took money from my other checking account and sent it to the one being disputed. This account that they told me was secure and setup for direct deposit, they took that money and applied it to the negative. Then told me it 's nothing they can do, because the account ca n't go into no check status, that it is in fact not closed now. I 've been dealing with this issue since XXXX XXXX. My dispute is not resolved for these wrongful charges.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Santa Monica, CA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Auburn, AL

Customer service / Customer relations

Credit card:

Complaint: I have had a credit card with Target since XXXX I have been late XXXX time since XXXX which was XXXX XXXX. I called on XXXX to say I would be late and that I would make my payment on XXXX because my credit is very valuable to me. I called to make my payment on XXXX ( The payment was due XXXX ) and to ask that the late fee be removed as a courtesy since I 've had an account since XXXX and had never been late. I found out that yes, they would remove the late fee but I have been over my credit limit by over {$1000.00} since XXXX XXXX and they have been reporting that to the credit bureau. I asked how I could I be over my limit and still be able to use the card? I was informed that the company allows good customers to go over the limit!! I told them I had NEVER heard of such a practice and I am furious that I was allowed to go over and was being reported. I was under the impression that I received a credit line increase in order for me to use my card. Had I known that I was over my limit and being reported I would not have gone over my limit. Again, I 've been a member in excellent standing since XXXX and did not think anything like this was possible.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Cranford, 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

2017-01-20

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am a XXXX who was looking for a job on my university 's job net and I came across a job that seemed legit. Therefore I applied for the job by sending my resume to the email on the page and I heard back from him two days later. He had my information from my resume and mailed me a check and told me to deposit it into my checking account and to let him know when the funds cleared. As a college student seeking a job to support myself, I went ahead and did so. However, something told me to go into TD location and speak with someone to see why the fund was taking so long to clear. They told me the check was fraudulent. That is when I reached out to the person and they began ignoring my calls. TD bank made {$100.00} available and I withdrew that. I was a new customer as of XX/XX/2017 so I was unaware that TD bank even did that. Due to this bounced check that this person sent to me I now owe TD Bank {$150.00} for an overdraft. However, when I opened this account I told the lady that worked with me that I wanted to be protected from overdrafts and she obviously was not listening and did otherwise. I filed a police report and spoke with district attorney and they both told me there is no reason why TD bank can not waive these fee 's and found it more inconsiderate that I am a student who is not working and can not afford to pay this fee. I went into a TD location on XX/XX/2017 and the teller told me I am still responsible so I went in again on XX/XX/2017 and the manager told me the same thing.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-19

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I am writing to you in regards to lost TD gifts cards and my inability to get proper customer service from the XXXX bank branch and from TD bank telephone customer service. On XXXX XXXX, XXXX, I bought {$2000.00} worth of gift cards from TD bank located in XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. Unfortunately, I lost XXXX cards ( XXXX for {$100.00} and XXXX for {$50.00} ). I immediately called TD customer service to report the lost cards. They said that they would put a " freeze on them ''. After a great deal of time and effort and many phone calls, I was told that I could go to any branch and get replacement cards or a return of my money ( {$150.00} ). When I went back to TD, the manager and another office worker said that they do n't return cards/money. In fact, they had no idea of the procedure when someone loses a gift card. They proceeded to call various numbers for information. They were put on hold for long periods of time. They asked me to come back. I returned hours later and they still did not know how/when I would be refunded. Eventually they said I would be mailed XXXX new cards. I went home and called customer service again, and they confirmed that I would receive the cards in 2 weeks. I have been calling TD customer service since XXXX and each time I call, I get a different answer as to how I will get my money back. It seems no one understands the policy involving lost TD gift cards. Yesterday ( XXXX/XXXX/XXXX ), I received a call from the manager of the XXXX bank and he asked me if I had " registered the giftcards ''? I had no idea what he was talking about. He said that, " If you had registered the giftcards, then we " could '' have given you your money back. '' However, it is not our policy to give the money back unless they are registered. I purchase these cards every holiday season for gifts. In fact, I buy {$2000.00} worth of cards each year. NEVER has anyone ever suggested that I register these cards in case of lost. I am so frustrated and disappointed in the lack of professionalism and knowledge that the manager and staff display at TD. I have invested a lot of time and effort in trying to rectify this problem, and the " run around '' treatment I have endured over the past 3 weeks is disgraceful. And to make matters worse, I have now been told that I will not be refunded for the cards.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-19

Bronx, NY

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I had a insurance check that I deposited in my TD Bank checking account and once it cleared I transferred the money to my TD Bank savings account. I was making purchases to replace items stolen from my home. As I was making the purchases I would transfer the money from my savings to my checking account. I made several transfers because I did n't want to keep the money in my checking account. Today I was checking my online statement and notice nine Excess Tax Fee 's @ {$9.00} a piece applied to my savings account. When I contacted TD Bank I was advised by the customer service rep. that the Excess Tax Fee was a Federal regulation and it 's nothing he can do. I explained to the gentleman that I had no knowledge of the fee and he reiterate what he just explain to me. What is so troubling about the whole thing is that when I reached the maximum number of transactions before the Excess Tax Fee was charged to my account, the online system never gave me a warning that I have exceeded the six transactions and a fee will be applied. Consumers should be notified that regulation is in place. I have never heard of this until today.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-18

Jamaica, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-18

Miami, FL

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-18

Far Rockaway, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-18

Gloucester City, NJ

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-18

Rockledge, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Nyc, NY

Making/receiving payments, sending money

Bank account or service: (CD) Certificate of deposit

Complaint: I did a check deposit on XX/XX/XXXX in my checking account, I waited 24 hours meanwhile the check was pending for verification. On XX/XX/XXXX the bank gave back the check because had not funds. Also I reported this case to the police because it was a scam related with a supposed training for a new job. The money was sended to do two payments related with the new job duties.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Rochdale, NY

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: in XX/XX/XXXX i reached out to td bank, because they were offering a 3 perecent interest on a seven year arm. The mortgage approval was a horror, they needed me to pay a fine from a previous owner with XXXX. I paid {$1500.00}, and then later found out it was not my responsibility. The mortgage was processed in south carolina, and at every turn i had to explain that the workup was not adding correctly. eventually i got the mortgage done. Then to my amazement, they tell me i can not manage my mortgage online the way most mortgages are managed. The only way to make principle only payments is to walk into a branch office. Each time i have to fill out a withdrawal slip and sign it? well on XX/XX/XXXX- i pulled XXXX from my checking to make a principle only payment. to my disbelief, they posted the XXXX as a suspense entry-it shows up in the history, and does not reduce my mortgage balance. I mean i have called and emailed them, they just do not respond. they made a mistake anerror, and six business days later they have not fixed their error. i have never wanted to pay a mortgage off so badly. Imagine if i did n't check my account regularly, they are technically stealing my money.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-18

Carson, CA

Delinquent account

Credit card:

Complaint: Target continues to report outdated information to the credit bureaus. In XXXX my delinquent account was closed and enrolled in a repayment plan, later the creditor charged off the account in XXXX due to filing bankruptcy XXXX. The records of when the account began delinquency are outdated and have been archived so the creditor continues to verify the beginning of delinquency as the charge off date
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

CT

Deposits and withdrawals

Bank account or service: Savings account

Complaint: on XX/XX/1997 I closed a Savings Certificate Passbook with an XXXX and had the bank issue me an " official bank check '' for the amount of {$1700.00} payable to me. I took the closed passbook and the bank check and placed it in a safe deposit box for a rainy day. I came across this check recently and I called the bank, explained the situation and was told by a manager that XXXX was bought out by TD Bank but they should honor the check being the check is an official bank check. He advised me to open a savings account and deposit the check, which I did. Four days later I was told by someone at the bank that the check has expired ( there is no date listed on this check ) and they will not honor the check. The manager told me the money was transferred over to the State of Connecticut Unclaimed Property. I 've checked with State of Connecticut Unclaimed Property Division and they have no record receiving these funds from neither XXXX or TD bank.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-17

Del Valle Finance, CA

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-17

Colts Neck, NJ

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-17

Unity Plaza, CT

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-17

Bueche, LA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: This payment is set up to auto pay by my credit union electronically, ( from day one ). I had to move the payment date back 2x because Yard Card receives the payment but does not post on time. This month, my credit union paid them XXXX on XX/XX/2017 with guaranteed electronic delivery of XX/XX/2017. As of today Yard Card claims they have not received and has levied a late fee. It seems no matter how early I pay it still gets held until a fee is charged. When I googled them I see that this is a common practice with them.
Company Response: Closed with explanation

Disputed: Yes Timely Response