TD BANK US HOLDING COMPANY

2016-12-22

Cocoa, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had a checking account with TD Bank and was in a dispute with them over fees charged and told them I was going to open an account at another bank which I have done. In the meantime my insurance company XXXX deposited {$410.00} into the TD account instead of into my new account. The amount deposited was {$410.00} on XX/XX/2016 by ACH transaction ( electronic deposit ). I no longer have an ATM card with TD bank as I no longer use this account. I went to TD Bank to get my {$410.00} out and they said this is a " credit only account '' which means deposits can be made but I cant take anything out. I asked why I can not take the money out since the money is mine and I broke my toe and need to pay the Doctor bills with this money. TD BANK customer service told me to come in and close out the account and they would not be able to give me the money since I owe {$560.00} on my account. I told them I do not owe them anything and they are not correct as I dispute those fees and will continue to dispute them. They are blackmailing me saying the {$410.00} will sit in my account until I come in and close out my account but I told them I am not going to do that unless they remove the excessive fees they charged me which I am in dispute of. TD Bank told me NO. XXXX said they can not take the money out of the TD Bank account even though it was an honest mistake on XXXX part, I would like the {$410.00} balance mailed to my home address. The bank can not hold this money from what my Attorney has said. ( I asked for a free consultation with my Lawyer ). He told me they are illegally holding these funds since nothing showing due on this account and there is a credit of {$410.00}. if TD Bank does not mail me this money asap I am getting an Attorney involved in this!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-22

Chicago, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-22

Rochdale, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Paid outsatnding balance at TD Bank for checking account # XXXX that was closed with an overdraft balance. Requested proof of payment to be emailed but was refused and told I could go to the branch. Went to branch and was given the wrong paperwork. Called back to TD Bank 's collection dept and was told to I should of requested an email when payment was first made ( which I did ) but now it was too late to receive an email confirmation of proof and I should return to bank and request a " settlement in full '' letter. I was also told that if I had any more issues I should have the branch contact the collection dept. I followed the instructions given and when the branch called the collection dept the collection dept told the rep at the branch I have to wait for it to be mailed to me. I am obviously getting the run around and all I want is this resollved. I have lost time from work and ca n't open a bank account until I show proof of payment of the outstanding balance that was owed to TD Bank. I have attached a copy of the amount that was debited from my bank account on XXXX XXXX to TD bank to settle the account
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-22

MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I deposited a check on or around XX/XX/2016, at TD Bank , N.A . An extended hold was placed on the funds. I did not discover why a hold was placed on the funds until speaking with a branch representative on Monday. At that time, I was informed that the fraud department unilaterally decided on Monday to delay funds availability because of the " high incidence of fraud '' during the holiday season. I was not given a disclosure or made aware of this policy prior to depositing this check and I certainly was not given a disclosure 30 days prior to implementing this change as required by Regulation CC. The check was drawn on an account at XXXX. The check is from the XXXX of Massachusetts and it is for fuel assistance. I am a low-income individual, a single parent, and I need that money to be available to me. I have contacted TD numerous times and informed them that I believe this policy violates Regulation CC for several reasons and that failing to disclose this policy is unfair and deceptive.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-22

Jupiter, FL

Billing statement

Credit card:

Complaint: I got a credit card from TD Banknorth in XXXX 2015 with a {$7500.00} credit margin. I gave them my Florida adress as well as my northern adress because I live in Florida only 4 months per year. I used the card without problem until the spring of this year. An amount of {$250.00} was put on my card and the account sent to my Florida adress. The Bank says the the US Postal Service returned all statements sent to my Florida adress even though I had advised the US Postal service to forward my mail at my XXXX adress. I did in fact received at my XXXX adress all the mail sent to my Florida adress excep of course the statements coming from TD Bank. TD Bank had my XXXX adress in their file but they decided to ignore it. They had also phone numbers that they could use to reach me but did n't care to use them. Instead, they notified the credit agencies that I was delinquent, that my credit card was suspended and that they had written off the loan. I learned of all this from another Bank and after having paid off the amount owed to TD Bank I asked them to notify the credit agencies so that my record be clean but to no avail.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-21

Staten Island, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: td bank is reporting my mortgage late 2 times on my XXXX credit reporting agency to wit XXXX XXXX and XXXX I sent in all proper documentation to prove it lates where under 30 days days and 2 months XXXX XXXX 2012 I have sent supreme court documentation signed by a supreme court judge and sealed it states XXXX XXXX is SOLELY responsible to pay it along with letters from my attorney in regards and if not followed we would sanction the court and file a petition I have had numerous accounts with TD never late. how can I be responsiblie if a supreme court judge order it double pay it I sent priority mail which they received XXXX XXXX verified they state they started on it XXXX well its past 30 days and they have not respond ed to me I was told they would last week They also send they would call I have called 2x week just to saty on hold over an hour and no help want file a complaint that there not complying with fair credit act this belongs of my negative file its only one on there thank you for your time and working on this
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

Goldsboro, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

Bay Hills, NY

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-21

Stoneham, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

Tustin, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

Cambridge, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-21

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-21

West Newfield, ME

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

Arlington Heights, IL

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-12-20

Kingstree, SC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Had a deposit come in for {$1800.00}. Bank says my acct was hacked and funds taken out. It was sent to fraud department and as of today 4 and a half months later I still have not been reimbursed.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-20

Bayway, NJ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-20

Nyc, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have been using TD Bank for a few years. I have found that in recent months the quality of service has declined dramatically. 1. I had a debit card purchase and deposit on the same day just a few hours apart and TD processed the DEBIT before the CREDIT of the deposit. This is something new that I have not experienced before. Typically in the past all credits to the account have been processed first and then the debit transactions have been processed. When I inquired about this with the TD call center I was berated by the associate. She stated that I should have known that debits would be taken before credits to the account no matter if they are processed in the same day or not. She then said that she would be putting notation on my account that I was informed of this policy and that I could not use this excuse when calling the customer care line in the future. Of course, no one wants to have a fee assessed to their account but from time to time it just works out that I do have overdrafts on this account and I willingly pay the fees and never dispute them because this is a cost I am willing to pay to have all items clear the account, and I may make deposits on the account once transactions clear. In this case I was shocked to be assessed this fee and simply wanted information. The associate did remove the fee but only after scolding me and stating " You should have known, and now you do ; next time you will need to pay the fee. '' 2. I was recently in a branch XXXX XXXX XXXX XXXX XXXX and the teller was extremely unhelpful. I needed a bank issued check for a large purchase. The teller did not inform me of the cost of the banking item and when I filled out the withdrawal slip to have the check drawn from my account she yelled at me that there was a fee and I needed to add that fee into the withdrawal amount. After redoing the paperwork for the process I asked to speak to a supervisor in order to get more information about my account and the transaction I was processing. I mentioned that I was not happy that I was treated with such disrespect and that fees were not clearly stated by employees. XXXX can not assume that the consumer is aware of this type of fee as its not something that a common consumer needs frequently ( I do all banking online and at ATMs. ) The supervisor stated that is just the way the structure of TD Bank is set up and that the teller was having a bad day and that I could have looked up all this information online. He said, " sorry, but you have to excuse her she 's going through a rough time, here is your check, did you want anything else. '' I was pretty taken aback even in New York XXXX where customer service is typically quite raw, this was just terrible. I went home and researched the banking product fees and was not too happy to find that the TD Bank employees could have suggested several different products costing less and achieving the same result as the Bank Check. Poor customer service, sad that they are not honest about consumer options.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

Herndon, VA

Fraud or scam

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

Gloucester City, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: TD Bank accepted and processed my Additional Principal payment of {$5000.00} immediately on Monday, XXXX XXXX, 2016. The money was withdrawn from my account instantaneously. The payment still had not been recorded as of Monday, XXXX XXXX, 2016, after fourteen ( 14 ) days. When inquiring about the status of the payment at my local bank branch both the Branch Manager and Customer Service representative learned that the exact location of the {$5000.00} is unknown. I have no complaints and in fact compliment both the Manager and Customer Service Rep at my local branch because they did all they could but even after an hour there was no resolution. They promised to pick up the trail today. The loan department indicated that this is an ongoing problem at TD Bank mortgage division for IT reasons and that I should " call them '' in advance of making an extra payment - presumably so they can " look out '' for the transfer of funds so they do n't get " lost ''. This has happened to me before but the last time the money was " found '' after three ( 3 ) days. So I, as a consumer am being forced to give TD Bank an interest-free loan of {$5000.00} while my regular mortgage accrues an additional 14 days of interest. I view this as a tactic to discourage consumers from pre-paying the loan which is allowed under the terms of my mortgage. In addition, I am becoming seriously concerned about the solvency of TD Bank when they are hiding money for two weeks. If I did n't complain would the payment ever be recorded properly???
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-19

SC

Other

Credit card:

Complaint: I had a credit card with TD Bank, and set it up with autopay. I had the autopay removed so I could control my bill paying better. I was informed that the autopay had in fact been removed. In XXXX, I remitted the amount for my monthly statement. The same day TD bank took, the monthly statement amount, plus the amount for all current charges, which totaled XXXX. I contacted them, and they verified that the error was theirs, and that a refund would be issued with 5 to 10 business days. After phone calls on XXXX XXXX, and XXXX XXXX, I got the same response. As of XXXX XXXX, I do not have the XXXX refund, which they said would be another 5 to 10 business days. I want my money ... ... ...
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-19

Charlottesville, VA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: At some time between XXXX/XXXX/16 and XXXX/XXXX/16 my ATM debit card was stolen. On XXXX/XXXX/16 I realized the card was gone when I checked my online banking and saw XXXX pending ATM withdrawals. I immediately notified the bank and had the card canceled. The first XXXX withdrawals were for {$200.00} and the third was for XXXX these withdrawals took place in XXXX, NY and the card was stolen where I live in XXXX, Va.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-19

E Windsor, 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

2016-12-17

Weston, CT

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I have been a victim of XXXX fraudulent charges in a row on my TD bank which happened XXXX XXXX, 2016. I noticed those transaction on XXXX XXXX, on my ATM mini statement and right away reported the matter to my local TD bank branch in XXXX, CT. They have told me they 'll investigate the matter and that they 've promised my funds will be back to my account in about 10 days. This incident has drained my funds and I was slapped with a {$70.00} overdraft fee which I vehemently protested because I 'm not liable for this. I kept calling TD bank hoping to give them pressure to settle this problem, I have so much bills that was hanging in the balance. Greatly this has put me in a bad side thus putting all my bills on hold. Ten days had passed and nothing has happened and all they tell me is false promises. I need my account and my money back. Wish this bank call the attention of it 's customers for such unusual transaction ( happened at an interval of XXXX minutes in one day for XXXX fraudulent transaction ) I just do n't want TD bank give me false promises, it seems to me they 're not doing enough to help their customers.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-17

Queens, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD Bank has charged me XXXX overdraft fees on XXXX/XXXX/16 for {$35.00} each and XXXX internal transfer fees for {$9.00} each, stating my account was overdrawn when XXXX outbound internal account transfers were executed, however on XXXX/XXXX/16, the account was funded with {$100.00} and the credit posted on the same day the account transfers posted, leaving the account with a sufficient balance to cover the overdrafts on the same day the transactions were placed, therefore no overdraft fees should have been charged and can not be justified. This account is not enrolled in overdraft protection, and td bank is not supposed to approve transactions exceeding the account balance. In regards to the transfer fees, TD Bank is charging these fees for regular day to day account activity which is unjust and unfair to the consumer. The XXXX transfers that were performed were XXXX transfers into my checking account and XXXX transfer into my savings account to cover a XXXX dollar negative balance. I should not have been charged transfer fees and overdraft fees totaling XXXX in 1 day for performing transfers to keep my account balances positive in good faith. The overdraft fees are my primary concern because no overdraft ever occured and the account had sufficient funds on XXXX/XXXX/16. When I asked customer service to waive the fees, they denied my request as if I was asking them to waive the fees as a courtesy. I am not requesting a courtesy refund. I am requesting a refund on grounds that my account had sufficient funds on the day the transfers were executed. still, the bank continues to implement ways to profit from the customer for normal day to day account activity.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response