TD BANK US HOLDING COMPANY

2016-12-01

Colts Neck, NJ

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Harrisville, NH

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-01

Norcross, GA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Three Bridges, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On Saturday, XX/XX/2016, I deposited a cashier 's check issued by XXXX XXXX, in the amount of XXXX XXXX in my TD Bank branch in XXXX XXXX, NJ. Days later, XX/XX/2016, TD Bank sent me a FOREIGN COLLECTION ADVISE stating, among other things, that " your account will be credited the then current exchange rate less our fee of {$17.00} and any fees assessed by the Foreign Bank. '' The XXXX XXXX was finally credited on XX/XX/XXXX at an exchange rate of XXXX, for a total of {$39000.00}. This was even confirmed in writing in a CREDIT ADVICE dated XX/XX/2016. Clearly, the rate of exchange applied by TD Bank was lower than what the XXXX-Dollar rate has been for the entire month of XXXX, ranging from a low of XXXX on XX/XX/2016, to XXXX on XX/XX/2016. On XX/XX/XXXX, the rate of exchange XXXX-Dollar was XXXX, as reported by financial websites. As I see it, TD Bank willfully miscalculated its conversion in order to benefit from it. To hear its XXXX Branch Manager, XXXX XXXX, argue the case that TD buys " in bulk '' holds no water. It 's pure nonsense and TD must own up to this attempt at defrauding me. At the XXXX XXXX-Dollar rate of exchange in effect on XX/XX/2016, the amount of XXXX XXXX should have been converted @ XXXX XXXX less {$17.00} TD fee and {$84.00} Foreign bank fee, as stated in the Credit Advice. After deducting those XXXX fees, {$17.00} and {$84.00}, the amount to my TD checking account should have been {$41000.00}, NOT the {$39000.00} credited. TD Bank under credited my account by {$1600.00} I would appreciated your assistance in having the unpaid balance of {$1600.00} remitted to me. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXXXXXX TD Acct. # XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Key Biscayne, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: When one has an account with XXXX, you can add a debit card, or checking account. If for any reason one account does not get paid, XXXX will continue to attempt a charge. This is fine. However when it hit my bank account with TD, TD hit me with overdraft charges claiming that it was XXXX 's fault. I complained to TD bank who did not help and whose comment to me was that they had refunded banking charges to me in the summer. This is another situation over which I do n't have control, but my bank account gets slammed. All the banks charge exorbitant overdraft fees.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-01

Mill Valley, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Attempted to close an account with TD Bank that I 'd opened several years ago. Was told over the phone in approximately XXXX that I 'd either have to go the branch I opened the account in ( not feasible due to distance, I 'd since moved 3k miles away ), or that I should zero out the account and they would put a note in the account to close it once it was zeroed. A few weeks later, I transferred the money out, zeroing my balance. I received a paper letter from them in late XXXX, but assuming it was the notifier of account closure, I did n't open it until yesterday ( XX/XX/XXXX ). They did not close the account, they left the account open, then assessed low balance fees and returned ACH fees against the account, and then charged it off after being less than two months in arrears. They made no attempt to contact me beyond the paper letter dated XX/XX/XXXX ( I believe ) before doing so.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-30

E Massapequa, NY

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-11-30

Phila, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-30

Lake Balboa, CA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-30

Brooklyn, NY

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

Soquel, CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened arrest/jail if do not pay
Complaint: XXXX has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the nordstrom card that had unauthorized charges and nordstrom has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-30

FL

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: TD Bank XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX XXXX XXXX This account was paid in full in the amount of {$2600.00} following my phone conversation with Latresea on XXXX XXXX, 2016 approximately XXXX XXXX. The funds were released on XXXX XXXX, 2016, 13 days before due date. I have done my due diligence and will forward this information to Consumer Financial Public Bureau and the XXXX. Please adjust your records and close this account.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-30

Three Bridges, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

Manor, DE

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-29

Lynnwood, WA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-29

Town Center, NJ

Transaction issue

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-29

Carmel, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XX/XX/XXXX I made a purchase from an online business called XXXX & since I 'm a XXXX ( I work for XXXX ) I utilized a website called " XXXX XXXX ) to initiate a discretionary allotment to have {$43.00} deducted from my paycheck every pay period ( every XXXX weeks ) sent to the financial institution XXXX designated which is XXXX XXXX. however I then learned that the RTN I used to establish my allotment is actually for TD Bank NA. On XX/XX/XXXX, I input the correct data ( again using XXXX XXXX ) and took action to redirect the allotment of {$43.00} per pay period to XXXX XXXX. At th time I THOUGHT I had terminated the erroneous allotment to TD Bank. Unfortunately today I learned that the alllotement never stopped and that since XX/XX/XXXX, {$43.00} has been deducted from my pay & sent to TD BANK ... for no reason whatsoever. After, confirming that the correct payment & allotment I input when I changed the deduction to send XXXX their payment was, in fact, input correctly ( this was confirmed by virtue of the fact that I have a remaining balance of {$190.00} on my purchase, I then undertook the task of contacting TD Bank to determine why they were holding onto monies sent via an allotment every into an account that I have absolutely no connection to. I tried to speak with them, providing more than enugh identifying information for myself as well as the RTN, Account number, typw of account and EVEN EACH AND EVERY DATE PERTINIENT TO THE TRASNACTION/ISSUE : 1 ) The date the initial payment was sent ; 2 ) Each and every date a payment was made ; 3 ) ANY date wherein an action of any kind took place ( I was able to do this because XXXX XXXX keeps detailed records pertaining to any inputs and/or transaction that take place associated with my account. Despite all this they refused to provide me with any inforation pertaining to the ownership of the account - something that is absloutely necessary for me to know in order to be able to contact the entity holding those monies & have them remitted.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-29

TX

Unsolicited issuance of credit card

Credit card:

Complaint: I went into a jewelry store to look at some XXXX watches between XXXX-XXXXm on XX/XX/2015. A salesman talked me into seeing how expensive of a XXXX I could finance. It was a Sunday and I thought " why not? ". The guy sat me down, and asked me for some credit information. Told me I could afford {$2400.00} of watch to finance. I did not purchase anything at the store and walked out. Shortly after, I received a credit card in the mail - I thought it was a fake promotional card. It was a card from this jewelry store, account opened XX/XX/2015, the same month and the first and only time I entered that store. The salesperson did not have my permission to open a credit card account, and I never knowingly gave my consent for him to do this. I was asked for my financial information under the notion that it would be used to determine my credit worthiness - opening an account under my name was NEVER mentioned. As soon as I received the credit card, I called the creditor to cancel the account. I have attached a screenshot from my credit report - the trended data shows that I never used this card. I never had use for it because I was never interested in applying for a card.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-28

Flushing, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-28

Jacksonville, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-28

Great Neck, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: Periodically TD bank does not email me nor do they send me a paper statement when my credit card account is due. It happens every three to four months. I call immediately and pay over the phone. I requested both forms of notification from them so this does not happen. I also have my checking account with this bank for many years. They tell me that they will waive the late fee and adjust my account well this month it did not happen so again I have to call them and complain. They give me idiotic excuses. I am tired of this and I seem to think it 's a scam to produce more revenue. If they are doing this to other people that can add to XXXX of dollars. I have other credit cards and I am at 100 % of paying my debt on time. Please .... I am so tired of this and I do n't want to switch banks because they are convenient and I have been with them for years. I am a XXXX year old women who works hard for her money and I will be XXXX if I let them get away with this over and over again. absolutely no problems with any of my other creditors and it 's a card with only {$1000.00} on it. I also have direct deposit with this bank. Thank You, XXXX XXXX XXXX Home XXXX Work
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-28

Hillsdale, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On Monday XX/XX/2016 after accompanying my husband to the Doctor in XXXX New Jersey ; I asked him to stop at the TD bank near our home in XXXX New Jersey so that I could make a deposit into my checking account. However, shortly after we left XXXX office located at XXXX, XXXX New Jersey, and made a left we saw a TD bank which is located at XXXX, XXXX New Jersey and we said why wait to go to the bank in XXXX by our house when a branch is conveniently situated en route. We arrived at the bank just around closing XXXX pm so I told my husband that I would deposit the funds via the ATM. The ATM is located in the front of bank where there is no parking, so my husband waited in the back parking lot with our pet dog XXXX while I went to deposit the funds. I deposited {$840.00} ( XXXX {$100.00} dollar bills and XXXX {$20.00} dollar bills ) I had planned on depositing {$850.00} but I changed my mind and instead deposited {$840.00} cash. I inserted my ATM card, entered my pin # selected deposit cash, waited for the cash deposit window to be lit with that green light. I then deposited the funds. It briefly returned the cash with a message stating that it was unable to read some of the bills. I re-entered the bills and it said it was processing my funds, then it ask if I wanted a receipt. I clicked yes and it printed out the receipt showing {$20.00} deposited. I waited by the machine for about XXXX minutes to see if my cash would be returned, but instead the welcome screen came on. I went around back and frantically told my husband what had occurred and he said he had just noticed the drive thru was still opened so lets go and inform them. We told them what had happened but in my upset state I said I had deposited {$850.00} instead of {$840.00}. In any case the teller at the drive thru ( and I did not get his name ) made a copy of the {$20.00} receipt and said someone would call me at XXXX am the following morning. The next day, around XXXX pm a woman called me from XXXX identifying herself as XXXX from the XXXX branch asking me to recount my experience from the prior evening. XXXX then informed me that a claim called a Reg form would need to be filed. I informed her that I was actually at the TD bank ( located at XXXX. XXXX NJ ) waiting to speak with a bank professional since no one had called me as promised from the XXXX branch where the incident had occurred. XXXX apologized for not getting to me sooner, then informed me that there was no need for me to return to the XXXX branch to file the claim, instead I should do so at the XXXX branch. I then met with a branch employee name XXXX, to whom I again recounted my experience. XXXX basically inferred that she did not believe me, she said if I had deposited a check she could understand but cash she found to be incredible. I informed her that a few months ago, at her branch location I in fact deposited a small check at the ATM ( I dont recall the exact amount ) but it was XXXX plus dollars and the ATM printed a receipt instead showing a deposit of {$5000.00}, I called the bank and informed them of the {$5000.00} error and that incident was cleared up in about 3 days. XXXX filed the Reg form and I am still waiting for a response. I am filing this dispute with CFPB because I know that TD bank employees do not believe that the ATM ate my cash. I am not asking for any provisional funds I just want my hard earned money that I deposited on XX/XX/2016 via ATM.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-27

Salton City, CA

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: On XX/XX/2016 TD Auto Finance pulled a hard inquiry on my XXXX Consumer Credit File. I did not authorize them to pull a credit report from XXXX. I was also reassured by XXXX this would not be the case.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-27

FL

APR or interest rate

Credit card:

Complaint: I haver requested on numerous occasions an interest reduction from Nordstrom Card which I believe is owned by TD Bank. Each time I have requested I am given another excuse as to why I can not be done as previously requested. I was told that " systems were down '' call us back in 30 days and we will lower it, make on time payments for 6 month and it will automatically be reduced. In my most recent discussion with a senior supervisor from Customer Service I was once again denied. I requested a full transcript from the conversation and was promised I would receive but again I was lied to. The ridiculous interest rate 0f nearly 29 % has prevented me from ever paying off this debt, even worse has caused me to fall behind in other areas. Nordstrom Card is avoiding this issue as they know that they are wrong. Please help me recover the extraordinary fees I have been charged. This bank is ripping many off in the same way I am sure.
Company Response: Closed with explanation

Disputed: Yes Timely Response