TD BANK US HOLDING COMPANY

2019-08-28

College, NY

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Closed with non-monetary relief

Timely Response

2019-08-28

Bay Head, NJ

Managing an account

Checking or savings account: Other banking product or service

Problem using a debit or ATM card
Company Response: Closed with monetary relief

Timely Response

2019-08-28

Queens, NY

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-08-28

MD

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: On Saturday XX/XX/XXXX I received a XXXX XXXX email asking me if a purposely closed my TS Bank Credit Card. I immediately called TD Card Services and I was told that my account was closed because it had not been used. I explained that I purposely kept the card at XXXX balance and as an emergency credit card, once I paid off the previous balance. The account representative asked if I wanted her to re-open the account and I said yes. The representative said the credit card was re-opened and that I need to use it to make sure it is not closed. At an appointment on XX/XX/XXXX, to get my eyebrows done, I went to use the card and was humiliated because the transaction was declined. I immediately called TD Card Services and asked why my transaction was declined and I was told " we stopped use of your card because your mailings show I moved. I explained that all correspondence was supposed to be done through email and nothing is supposed to be mailed! I also stated that I used the mobile app to update my address and I was told " the Card Services did not get that update '' The account representative confirmed and updated my contact information for Card Services and was told I was ok to use my card. In XXXX I called to confirm the card I had was still having problems and showing closed in my credit history. I explained this closure drastically damaged my credit/FICO score and I am still waiting on them to correct the account being closed. This time I was told by the account representative that my card was never activated again in XXXX and the previous representatives were incorrect in the actions provided. I escalated this to a supervisor who then stated that they showed no calls from me asking to keep my card active and asked to re-apply to have my credit card opened again. I asked why do I need to re-apply for a card that you should never have closed. I have an active checking account and line of credit so I am not understanding why TD Bank would purposely close my good standing credit card account! They did not call me or email me knowing that I purposely checked to have nothing physically mailed to me. I have complained to TD Bank about their practices after realizing that they purposely marked my line of credit and my credit card with a late fee in XX/XX/XXXX. When I called to correct no late payments, I was then told that my line of credit showed me late for a payment. In reviewing the line of credit payments, it seems that even though I made multiple payments, using the mobile app, double payments did not count for XX/XX/XXXX and TD Bank would correct the late payment in my credit history. After a few months, I called back and was told that I was given incorrect information and no correction was going to be made, despite no history of previous or late payments afterwards. It is my belief that TD Bank is targeting and purposely destroying my credit history in an attempt to force me to use their credit card for high profit gain on interest and service fees. I have had a XXXX XXXX account ( before it they acquired XXXX XXXX Bank ) since XXXX with no issues. Since losing my XXXX year daughter to XXXX in XXXX, I opened a TD Bank account to alleviate some despair of related memories. To date, my XXXX XXXX XXXX has never faulted nor had XXXX XXXX ever closed my accounts.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-28

Berkeley Heights, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-28

CA

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Complaint: I paid off my auto loan with TD AutoFinance in XX/XX/2019. They did not send the title documents then. I contacted them on XX/XX/2019 to get the title documents. They told me that they would overnight the title documents to me and that I should have them by XX/XX/2019. On XX/XX/2019 I contacted them again to find out where the documents were. They told me that XXXX wouldn't deliver to my address. Note, XXXX regularly delivers packages to my address. They did not contact me and did not deliver my documents. I called again on XX/XX/2019, they still had not mailed or used XXXX to deliver my documents. They did not know how long it would take to send my documents. They told me that they were very busy and my information was " in line ''
Company Response: Closed with non-monetary relief

Timely Response

2019-08-28

Saint Paul, MN

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2019-08-28

Ocklawaha, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: TD Bank 's new attempts to assess {$35.00} overdraft fees based on a lapse in time of funds in an account on the same day versus the old banking practice of being negative overnight is anti - consumer to the extreme and MUST be stopped. Those of us XXXX XXXX know all banks books need to be balanced to -XXXX- at the end of each day. A bank is never truly at a loss even in typical cases of overdrafts lingering on overnight or for days. But, TD trying to say a loss has occurred within minutes or hours is absolutely horrific. Can us consumers be raped and pillaged even more by this egregious banking system? Congress or whomever really needs to nip this TD policy in the bud. It is not acceptable whatsoever.
Company Response: Closed with monetary relief

Timely Response

2019-08-28

Betsytown, NJ

Managing an account

Checking or savings account: Other banking product or service

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-08-28

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with non-monetary relief

Timely Response

2019-08-28

Hazleton, IN

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I have an account with TD bank. On XX/XX/2019 my debit card went missing after I made a purchase at a restaurant. The server left after I made the purchase, and I couldn't find my card. My friend that was with me took me home after the incident. I called TD, and reported my card stolen. They informed me that several withdraws had been made. I did not authorize my card, and I didn't give permission for anyone to use my card. It was later found that morning when TD opened by my friends apartment, and not where the withdraws were made. I believe that my friend was the one who took my card. She was with me when I made a purchase, and I think she saw my code when I didn't know she was looking. The total amount was {$760.00}. I went to the bank as soon as the bank opened in the morning to make a claim, and they said I needed to get a police report. I made a police report, and then they wanted me to get a subpoena. I got the subpoena, and it was faxed in on XX/XX/2019. I have been jumping through hoops, and doing everything I can to get this footage of the person using my debit card at the ATM, and I would like to know who it was.
Company Response: Closed with explanation

Timely Response

2019-08-28

Charlotte, NC

Trouble using your card

Credit card or prepaid card: Store credit card

Can't use card to make purchases
Complaint: have been a Nordstrom customer for more than 10 years and a Nordstrom credit card holder since 2015 this past week they restricted my account and asked me to send a copy of my Drivers License, SS #, Utility Bill which I complied, Today I called Nordstrom Card Services and talked to a really rude lady to tell me whoever reviewed my documents can not verify them this is something I have never heard before at the beginning of this month I applied for the XXXX Card and they asked me to scan my license and verified on the spot how a person can not do the verification with the documents on hand? This has been one of the most frustrating experiences I have ever had with a credit card account and they are really rude and not even attempting to help at all.
Company Response: Closed with non-monetary relief

Timely Response

2019-08-27

Brooklyn, NY

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: OnXX/XX/2019 I approached XXXX XXXX from XXXX to cancel both my parents membership ( membership # XXXX and # XXXX ). I asked for the total due at the moment of cancellation and they said it was {$21.00} per membership. OnXX/XX/2019 I was charged {$45.00} for each membership without my authorization. I talked to a representative of the gym and they said they were charging annual manteinance fees which I wasn't told at the moment I cancelled the memberships. Even the invoices they gave me said the annual fee was {$0.00} and that total due was {$21.00}. They denied to refund me my money, so I disputed the charges with my bank. The first time the bank denied the dispute because they said I had a relation with the gym, which I then disputed again because it wasn't my membership. Today XX/XX/2019 I received a letter from the bank saying they denied again because I have to resolve the issue with the merchant, when I specifically told them the merchant denied to refund me the money. So they are giving me two different answers which I think it is just an excuse to not give me back the money XXXX took from my account without my authorization. Furthermore, if the gym wanted to charge pending fees they should have charged them to both my parents ' credit cards, since they registered themselves to the gym with their own credit cards. Since they were no longer in the country I went myself to cancel their memberships as a favor and paid with my own card while the gym still had their credit cards information.
Company Response: Closed with explanation

Timely Response

2019-08-27

Fair Lawn, NJ

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with explanation

Timely Response

2019-08-27

Ashland, NJ

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-27

New Rochelle, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts.
Company Response: Closed with explanation

Timely Response

2019-08-27

Berkeley, NJ

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Company Response: Closed with explanation

Timely Response

2019-08-27

CT

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: All happened in a 3 day span. My sister was letting me borrow {$5000.00} to get out of credit card debt and we were using XXXX to transfer money from her and her husbands bank account to mine. The first transfer happened on Friday, XX/XX/XXXX for the amount of {$2000.00}. I quickly paid that {$2000.00}. That posted on Monday XX/XX/XXXX. She attempted to send me {$2000.00}, and I saw it go through to my bank, but it bounced back because her bank thought it could be fraudulent. When that payment came in, I payed my card off immediately and this overdrew my account. TD Bank has a XXXX dollar overdraft fee and proceeded to charge me {$140.00} in overdraft fees and 14 maintenance fee for going under 100 $ balance. My account was back in the green Monday when my sister retransferred the {$2000.00}. When I spoke with the bank, they returned 2 overdrafts for {$70.00} on Wednesday, XX/XX/XXXX and said because it wasn't there bank that caused the error they wouldn't return anymore of the funds. They justified four overdraft fees because XXXX pulled 3 transactions from account on Sunday the XX/XX/XXXX for the amounts of {$11.00}, {$9.00} and {$1.00}. Each getting its own overdraft fee. As I am trying to pay off debt, my corporate bank has fined me {$84.00} for a banking error that occurred when my sister attempted to send me money. Simply put my bank stole from me. I hope there is something you can do. I went to my bank and said I understand what happened and am willing to accept a {$35.00} overdraft fee, but they did not care. XX/XX/XXXX is the month I leave TDBANK, a bank that use to be amazing and is now huge and stealing from the people.
Company Response: Closed with monetary relief

Timely Response

2019-08-27

Bellmore, NY

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Company Response: Closed with explanation

Timely Response

2019-08-26

GA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: On XX/XX/2019 when applying for a loan to purchase a car. I authorized XXXX XXXX to run my credit one time to a specific lender. They assured me that It would be only one. I have been getting notices from creditors that I don't recognize stating that XXXX gave them permission to run my credit. That has been reported to my credit reports ( all 3 of them ) over 33 or more times which is causing adverse actions on my Credit reports.
Company Response: Closed with explanation

Timely Response

2019-08-26

Phila, PA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Closed with explanation

Timely Response

2019-08-26

ME

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/19, my electronic payment to XXXX XXXX XXXX came into my bank. Later in the afternoon, I realized that I didn't have enough money in my checking account to cover the charge but I DID have the money in my savings account. I have overdraft protection on my checking so the bank will transfer money from my savings to cover any payment that comes in and will charge me {$10.00} for that service. I decided to transfer the money myself and save the {$10.00} feethis left me with a balance in my checking of {$8.00}. On XX/XX/19 I was charged a {$35.00} overdraft fee. I called TDBank today and spoke with both the branch manager, XXXX in XXXX, Maine and the customer service rep, XXXX in the Call Center. I was told that the charge was due to everything being computerizedwhen the payment came in it was recognized as an overdraft, that night the computer tried to take the money out of my savings account but the money was not there because I had already transferred it, therefore I was charged the fee. I was told that I would NOT have gotten an overdraft fee if I had not transferred the money myself! They could not explain to me how they had the right to charge me since the money was in either my checking or my savings the entire time and I have overdraft protection. I had a long discussion trying to understand how this was legalhow they could charge me a fee when they were in possession of my money the entire time, they could not explain it other than trying to claim that " it wasn't in my account when computer looked for it. '' I asked to see where in writing this is explained or how they are legally able to charge methey referred me to the 55-page Personal Deposit Account Agreement where the actual situation was not addressed. The managers both told me that they were not able to refund the fee because I have been refunded overdraft fees 2x this year ( a complimentary service they do ). I understand that I have received this, I live on XXXX and there are many times that I have to manipulate money to cover bills and it doesnt always work. I don't believe that should matter though, this is not something that I did to cause my account to be overdrawn, the money was in my accounts the entire time and I don't believe that they had any right to charge me for this. I am not asking for a refund for a fee that I causedI am asking for the {$35.00} to be refunded because they had NO right to take it to begin with. Thank you for any help that you can provide.
Company Response: Closed with explanation

Timely Response

2019-08-26

PA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: After changing to a commissioned based job from salary, I fell behind in this payment. The new company was the right choice as now I earn 3 times the income however, it cost me some missed payments. When I began to earn a better living I was able to catch up on missed payments. I called and explained my situation with a customer service representative and I was told they understood and were willing to help me remove my 4 missed payments if I brought the account current. I was not quite ready financially but I thought it was generous terms and worth forgoing other financial responsibilities to get caught up so I paid it up to date. Unfortunately, the reported missed payments were never removed and when I call they claim they never agreed to such terms.
Company Response: Closed with explanation

Timely Response

2019-08-26

Detroit, MI

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Complaint: I contacted Target RedCard services on XX/XX/XXXX due to my account being past due. The agent that I spoke with offered me an arrangement to avoid being 30 days late and also bringing my one payment current. I agreed at the time because I was unsure of my circumstances. I called back on XX/XX/XXXX to cancel the plan and was told that I could not be taken off of this payment plan until I paid the balance off. This was never told to me and had it been I would have never agreed to this plan. I spoke to a supervisor by the name of XXXX, who continued to interrupt me, and finally after being frustrated I just hung up. I also received an email about the terms and conditions and nowhere in it states that I must remain on this payment plan for 12 months and not have use of the card. This is illegal.
Company Response: Closed with explanation

Timely Response

2019-08-25

Milwaukee, WI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Target.com was supposed to issue a refund but did not causing Target Credit Card to incorrectly report me for late payment even though I was led to believe there will not be any charges. This was for order number XXXX. I called Target Credit Card several times and the representatives must first admit that this was a target.com error to remove the late payment report. But Target.com did not get back to me dispute several secure messages sent using the Target platform.
Company Response: Closed with non-monetary relief

Timely Response