TD BANK US HOLDING COMPANY

2016-12-16

Santa Barbara, CA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Lionshead Lake, 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

2016-12-16

Fresno, CA

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-12-16

Corona, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

So Effingham, NH

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: On XX/XX/2016 at XXXX I was at TD Bank 's ATM located on XXXX in XXXX XXXX NH. At this time I was making a deposit as this machine allows for this type of transaction. While making this deposit, the machine took some of the cash deposit and then apparently jammed. Before jamming the machine took in approximately {$1100.00} dollars of my total deposit. I called XXXX immediately and was advised that the lobby was closing and it would be best to come in the following morning. The machine did not give me my XXXX XXXX back and did not produce a receipt either. The next morning XX/XX/XXXX I went in and deposited the remaining {$360.00} and sat and reviewed the event with XXXX to get the formal complaint in and was assured the process would be handled quickly. After following up with XXXX XXXX I was advised that the process takes XXXX business days and we would hear back after that. If need be there would be a review of the cameras of this ATM to validate my claim. The 10 days elapsed and there was still no resolution and no credit in my account outside of a {$0.00} deposit on my account from the evening of the transaction. After Speaking with XXXX XXXX I was advised that there was in fact an overage of funds in the ATM but due to it not matching my specific recalled amount my claim was going to be denied. On or about XXXX XXXX, 2016 I received formal notice that my claim was in fact denied. I reached out to XXXX XXXX on XX/XX/XXXX and was advised by her that the claim was denied due to a lack of a specific amount in the report. I am unsure of how this happen as when the claim was discussed on XX/XX/XXXX we specifically stated it was {$1100.00} that the machine consumed. At this time I was advised by XXXX that she would resubmit a claim with the specific amount and see what happens. When I asked about the camera 's I was told the last who reviews them is on vacation and we could not view them until she was back in the office. On XX/XX/XXXX I followed up with XXXX XXXX to get a status update and was told they were still " looking into this. '' I have still not received any credit to my account for the consumed dollars by the ATM. On XX/XX/XXXX I followed up in person at the XXXX with no resolution still. Just a reassurance that they are " looking into it still. '' I was under the impression that TD submitted another request based on the specific amount but received an email on XX/XX/XXXX stating they needed the specific amount. Again this was provided at this time. XX/XX/XXXX still no contact from TD proactively. I followed up again and have received no response from TD with any resolution to this claim. The XXXX has been CC 'd on all emails and I have received no feedback from her on this matter. On XX/XX/XXXX during a branch visit we requested info on the claim and were told that we were not through another XXXX day waiting period and the only thing we could do is wait. Still not credit to my account for the funds. At this time we advised they have a likely XXXX violation and the we would be filing a CFPB claim and we were asked what is the CFPB.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-15

Tampa, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I spoke with XXXX XXXX XXXX a couple of months ago regarding fees and unrecognized charges to the account. Was advised to send in my affidavit in which I did and that someone from the fraud department would contact me but no one never did. XXXX XXXX advised me that it may take some time for a representative to contact me which is understandable but I have n't heard from anyone regarding status or anything. I 've faxed several documents requesting an update to the fax numbers in which I was provided but never received a response nor a call back. The collection agency in which target sold the account to are trying to sue me for a balance in which I feel that I 'm not totally responsible for. If someone can give me a call with an update on the account I 'd greatly appreciate it.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-15

Ridley Park, PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD Bank continues with it 's deceptive overdraft fee practices. There 's no reason why an account needs to be delayed with charges from my debit account. When I charge something at a store, the store will decline if there 's not enough money in there. If I do a point of sale purchase, the money should come out immediately. TD bank delays the actual posting so that if a larger charge comes through later, they can charge a {$35.00} per item fee. TD bank has charged me thousands of dollars of OD fees and most are for charges less then {$10.00}. How is it fair that they can charge {$35.00} for any overdraft amount, even less then {$1.00}. I have asked them several times to update my account so that charges go in the order they 're made however TD Bank has stated they thought the larger charges were more important to the customer - that should not be up to the bank. I also noticed that my account started getting charged for business fees and come to find out that my account is a business account. I emailed them stating I never opened a business account that my account was a personal checking account and that they should correct that and reimburse me all the fees charged for the business account, however they did not respond and continue to charge me these fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-14

Phoenix, AZ

Unsolicited issuance of credit card

Credit card:

Complaint: Target opened a red card ( credit card ) in my name without proper authorization. It was a fraudulent activity.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-14

Chicago, IL

Credit determination

Credit card:

Complaint: I had applied for Target credit card. I had a hard credit hit on my credit report, but I received a mail from Target saying that ' they had to stop processing my application because they could n't verify my identity '. This is not acceptable as they could pull my credit report and not able to verify my identity. This happened twice. I had XXXX hard credit inquiries and no positive response.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-14

Hilton Head, SC

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-13

S Plainfield, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-13

Ft Trumbull, CT

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-13

Mandana, NY

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-13

Green Acres, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-13

Berthoud, CO

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: TD Auto Finance - Tried to pay off auto loan online - even though I received confirmation, the payoff would not go through. Then called to payoff by phone, but could not process due to automatic payments.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-12

Newark, DE

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-12

Hatboro, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-12

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My bank account was closed when I went away for 2 months and did n't normally have access to my information. Yes, that was an oversight on my part. The problem was that when I made a XXXX transaction it came out of my bank account instead of my credit card- I have the default as The bank closed my account and sent me a letter for a chargeback. I paid the chargeback on XX/XX/XXXX. And told TD Bank that I need them to inform XXXX that it is paid off so I can open an account. I also started a dispute with XXXX to have them verify with TD Bank that the account is paid off. My thinking was that someone will do their job at some point and it should be cleared out pretty quickly. Right?? WRONG!! XXXX does n't confirm with any particular person that the account is paid off. They just send a general request out to a general dept in collections. Whoever checks that request does n't bother to review any notes or actually check any account. On XX/XX/XXXX TD bank confirmed to XXXX as a response to the inquiry that the balance is still not paid!! This is a full 20 days after the payment was complete!! This is with me including an attachment from TD Bank as a receipt that the account is paid in full that had a confirmation number. I just called TD Bank and spoke to a supervisor in the collections dept. a XXXX. He just gave me the general line it takes 30-45 days to update ... we will expedite .... we are sorry ... all the promises I was made a full 32 days ago when I paid this bill in full. We will see ....
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-10

Santa Monica, CA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-09

Branford, CT

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Lakewood, NJ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-09

Morningside, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Fort Lee, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-09

Katonah, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-09

Limerick, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response