TD BANK US HOLDING COMPANY

2017-01-09

Philadelphia, PA

Deposits and withdrawals

Bank account or service: Savings account

Complaint: I went into TD Bank on XX/XX/2017 to make a deposit. I handed the teller my check with XXXX endorsements from myself and my husband, the check is my income tax from last year taxes. The teller told me the funds would be available on XXXX, they was not. I was told by several supervisors that the funds would be available on XXXX. I was told after coming to the bank that the fraud department is looking into the situation. I have deposited several items that have my husband and my name on it as well as others. Why do I have to be treated like a criminal?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-09

Colts Neck, NJ

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-08

Wonder Lake, IL

Credit line increase/decrease

Credit card:

Complaint: My complaint is against Target Redcard credit card. I recently received a letter from them that they have lowered my credit limit because I was not paying it off fast enough and have balances on other cards, even though I make my payments on time every month. For months, they kept upping my credit limit, which I never asked for and as a result of this, there were hard inquiries on my credit rating from them which hurt my credit scores and now they want to lower my limit after they are part of the reason my credit scores have gone down? I find this unfair. I never asked for them to keep upping my limit and was not aware that their inquiries were hurting my credit. I plan to pay off this credit card and never use it again. I feel that they contributed to my credit score being lowered by these inquiries. There are also many other complaints about this card online and believe they should be looked into for this.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-07

NJ

Billing disputes

Credit card:

Complaint: nordstom with them 20 years starting in XX/XX/2014 a bunch of stonewallers put notes not to refund my interest. you know POWER politicians this is just to show how many power people are ouf there. i asked for interest back now i was told no. i then closed my card and asked for the refund they say now they will not refund the interest but closed the account. this is what the enxt president has to take on. GREED like this. i know i will get a script answer its valid. oh yes its valid but my business for 20 years is valid. too. Banks will write off fees when you dont pay at all but bad banks will not help good customers. no answer will address this but publish nordstrom bank is greedy powerful politicians and i am done. also i will NOT be paying the unrefunded interest if i have to i will fight ya at the credit bureaus. keep your scripted answers to yourself I am done. its a greedy day in america they are willing to lose me over XXXX dollars of itnerest XXXX XXXX refunds me every month GOOD RIDDENS
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-06

Katonah, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-06

East Long Beach, CA

Disclosure verification of debt

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

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

Disputed: No Timely Response

2017-01-06

Columbia, SC

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: My wife and I opened a fixed rate Home Equity Loan about 5 years ago. When we opened the account, the two most important terms were clearly confirmed for us, which were ( 1 ) there would be no pre-payment penalty, and ( 2 ) all overpayment provisions would go towards the principal. We have made several overpayments on this loan since it was opened in varying amounts. In XXXX 2016, we made large overpayments. We then received a letter saying, " We want to make sure your money is going where you want it ... '' Later saying, " Right now we are applying your extra dollars to the next scheduled payment. According to our records, you have made loan payments in excess of the required payment amount. Each time you include additional funds in your loan payment, it is our policy to apply the over the payment amount due to the next scheduled payment. This often results in the status of your loan to be considered 'paid ahead '. Please know that we have reversed the payment dated XXXX/XXXX/16 in the amount of {$1000.00} and reapplied it to principal, making the next due XXXX/XXXX/16. If this is not what you intended, please contact us '' I called them and told them the following : First of all, we ALWAYS intended for the additional funds to be applied to the principal and this was clear when we opened the loan. Second, why are we getting a letter telling us what your policy is and then you are changing the policy without any request from us? I made this call three times over about a 2 month period. In each of the calls, I spent approximately a half hour on hold and the customer service person could not answer my questions. Each time, I requested that they figure it out and have someone call me back to explain. They have never called me back. I have reviewed some of my recent statements and they make absolutely no sense in how they have applied payments to interest and principal.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Bronx, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Allentown, PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Im so tired of How the bank rearranges my debits and constantly charges over draft fees I spend most of my money back to the bank in hundreds Im on a fixed income and I know if I use my card and money not there I get a {$35.00} fee..However I also go to atm pull mini statements and call almost daily to keep track of my acct ONLY to notice that they rearrange items and Hit me with {$70.00} fees at a shot several times I cant afford this and after yrs of watching this happen I came here to find help. Example My automatic ins pmt came out, it left me minus over {$200.00} they pd it and charged the fee {$35.00} Ok ( it wasnt suppose to be on auto pmt ) so got it Now that was pd on XX/XX/XXXX it was on my auto call when checked acct ..My Deposit came in of {$310.00} and {$22.00} so it covered that pmt and fee but left me still overdrawn over {$200.00} and both were done around same time due to early deposits for holiday Yet although dep was in I was charged {$70.00} My XXXX deposit of {$430.00} came in and Now they changed the dates of actions ( to XX/XX/XXXX ) and I had {$160.00} to the good then bank charged me again {$70.00} and left me minus $ XXXX..This has been happening like forever I need help ... ... also I have been minus at times but went right away to put the money in on the same day but still charged {$35.00} fee It use to be if a dep was made prior to XXXX that same evening, no fees were charged Well not anymore I went to bank to question it.. Thanks XXXX XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-05

Hempstead, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: Personal checks. Money Order vs. Certified Check. Which one has more protection? Certified Check? WRONG!!! I purchased a certified check in the amount of {$2400.00} which cost {$8.00}. We purchase certified checks as a way of the insuring the transference of funds between XXXX entities. I made the grave mistake of trusting the USPS to deliver the check without certifying it first. I simply addressed an envelope, inserted the check, and mailed it. I assumed the check would reach its intended destination within XXXX3 business days. Needless to say the check was lost in the mail. I called TD Bank to stop payment on the check. I even had the lawyer the check was intended for on the phone when I called the bank supervisor. I was shocked to find out that they do not stop payment on certified checks until 90 days after the initial check certification. The lawyer I owed us now in the process of suing me on behalf of the doctors I initially owed and I do n't know what to do. I do n't understand how certifying the check ( for {$8.00} ) really protected me. A money order would 've been able to be stopped however money orders can not exceed {$1000.00}. I would 've had to buy XXXX money orders at {$3.00} each ( $ XXXX $ XXXX $ XXXX {$2400.00} ). I was under the assumption that a bank check had more protection than a money order or personal check. Well, I was mistaken because anything other than a certified check can be stopped immediately without a XXXX waiting period. I am now trying to do everything in my power to get my money back but TD Bank will not budge. At first, the branch manager said he would stop payment. He emailed me a Declaration of Loss form which I signed, notarized, and returned. After he submitted it to his supervisors, he called and said that bank policy states that I must wait 90 days to declare the check lost. Even after I declare the check lost, I still have to wait until the bank completes an investigation before they release my my back to me. The irony is that the bank has the money in their possession as I am telling them that the certified check was lost. They would rather play a wait and see game than reverse the check. I do n't get it at all. They tell me that this is the policy at every bank, but I do n't think that is true. Is it?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-05

NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have a small business account with TD Bank. I was charged an overdraft fee of {$70.00} on XXXX/XXXX/2017 for checks posted on XXXX/XXXX/2017. I had enough funds in the account to cover the checks that were posted on XXXX/XXXX/2017, but was charged XXXX overdraft fees. I called the XXXX banking department this evening to get the fees refunded to my account but was told it can not be done without an explanation.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Manhattan, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-04

Bethlehem, PA

Credit decision / Underwriting

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-04

Sandy Hook, CT

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

FL

Customer service / Customer relations

Credit card:

Complaint: On XX/XX/2016 I used my TD Credit Card rewards to book a flight to XXXX on XXXX. Attached is my booking confirmation. I printed out my boarding pass the day before and when I arrived at the airport, I was told that there was a problem. My ticket had been revoked. How could this have happened? You can imagine a XXXX woman, by herself, being told that she ca n't fly to see her XXXX for XX/XX/XXXX. I was in a panic ... they had to get me a wheelchair, as my XXXX was just racing. Luckily, they got me on the flight, but I had to use another credit card to pay for the trip. How could I receive a confirmation and a boarding pass, only to arrive at the airport and be informed that my ticket was no good.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Baxter Estates, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-04

Jamaica, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Falls Church, VA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-03

Sherman Oaks, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

P J S, NY

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-03

Allenwood, NJ

Credit card protection / Debt protection

Credit card:

Complaint: My bank, TD Bank, recently just closed my credit card down. They had finally provided chipped cards but I saw on their form I had to use the last XXXX digits of my Social Security number as part of my ID. I said I did not want to do that because of the exposure to hacking it would enable and right then, they closed my existing non-chipped card and the chipped one which I had never agreed to signing up for. My credit report must look awful. I am confused and I am also profoundly deaf and banks are not easy for me because they wo n't do anything on line so I have to drive there every time there is the slightest issue. Well this is a big issue and I am learning from other people that most of the banks are doing the same thing - demanding people use XXXX digits of their Social Security card which is then put on their huge on-line systems. This makes no sense given the hacking situation where even federal employees data has been hacked en masse. Are banks allowed to do this and ask for those XXXX digits as part of an ID system? I do understand they need the entire Social Security number for various reasons but think that should be segregated from every day transactions. Are we as citizens being forced to put ourselves in unnecessary risky situations and if so, why? Interestingly I do n't have to provide that data for a debit card so I do n't understand why they are putting FDIC backed accounts at risk and why they are allowed to do it. Any help you can give me will be appreciated.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Wallington, NJ

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I keep contacting the CFPB regarding unlawful fees that TD Bank keeps taking out of my account. Not only did TD bank not refund all the unlawful fees that they took from my account they keep taking. I was told by the banker who opened my account at the time that I would pay no fees if I keep a minimum balance of XXXX $ in my checking account and make a monthly payment to a saving account of XXXX $ that I will no pay any fees on. I was misinformed by the Bank they where taking XXXX $ from my personal account and XXXX $ per month from my savings account. After filling a complaint with the CFPB in the past some of the unlawful fees where refunded to me. However XXXX stated that it was worng. They are now doing the same thing again charging me with a XXXX $ maintance fee that they said it was a mistake and they will fix it. I keep saying it but my voice is not heard TD bank discriminates on the basis of religion and national origin they want me to close my account because I have a heavy XXXX accent so they cause a lot of problems with my account. They also discriminate when it comes to credit they decline credit for me when other lender would approve. I hope that the CFPB will investigate this bank for its unfair practices.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-02

Bristol, CA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-02

Santa Ana, CA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-02

FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I discovered that I was a victim of identity theft when TD Bank sent me a congratulations letter for opening an account with them. I do not bank with TD Bank nor have I ever banked with them in any manner. I promptly notified TD Bank of the theft and completed a series of letters through the Federal Trade Commission ID theft reporting system. TD bank acknowledged this theft over the phone with me and said they were working immediately to stop/close and reconcile the matter. Now, about 1 month later, I am STILL getting bank statements from TD Bank indicating " my account '' is still open and in existence. I need this matter reconciled completely and all matters closed/cancelled with TD Bank please. I did not apply for any account and/or services with TD Bank and this is 100 % Identity Theft/Fraud.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response