TD BANK US HOLDING COMPANY

2016-11-26

Brooklyn, NY

Advertising and marketing

Credit card:

Complaint: I opened a Nordstrom card on XX/XX/XXXX16 because the customer service agent at the store said, repeatedly, that I would receive a {$20.00} statement credit as well as a {$20.00} certificate to be used for a later purchase. My husband heard her say this multiple times as well. I did not receive the statement credit, so I contacted their online customer service and was told " sorry, the agent who told you that was incorrect. '' I said that was not acceptable and that I had been given fraudulent information to open the account ( which I would not have opened if not for the supposed promotion of {$40.00} credit in total ) and the response was to give me the credit, but take away the certificate, so in essence still the same {$20.00} value - half of what I was told multiple times I would receive when opening the account. The sales rep who encouraged me to open the account was very persistent and was clearly getting some kind of bonus for signing me up as she announced it very loudly to her colleagues and also placed a phone call to let someone else know she was signing up a new customer. It is obvious that she is receiving a financial incentive for signing people up, and in my case used false information in order to get me to open up an account.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-25

CT

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Complaint: TD Bank 's XXXX loan department is employing unethical and possibly illegal " bait and switch '' sales tactics. The CFPB is hereby requested to investigate this bank 's operating techniques. Background : I applied for a home equity loan with the merchant o n XX/XX/2016 and after their check of my credit score and income received confirmation of the rate and amount promised by the TD sales rep initially. The TD loan processor then informed me on approx XX/XX/2016 that the bank was significantly increasing their offer interest rate and decreasing the loan amount based on, they claim, an appraisal. Their appraisal value is dramatically lower than one I had done just a few years ago and during the depths of the great recession, which does n't make any sense as property values around here have only increased since then. I have had other appraisals done over the years from previous refinances that reinforce my understanding of the property value. XXXX down with the TD loan processor reveals their appraisal uses some kind of hokey internet-based estimate and the TD underwriting department has refused to go by the traditional, more accurate, industry respected comparable sales appraisal. TD has obviously implemented a scheme to defraud consumers by using a low-ball fake property valuation methodology.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-23

Ridley Park, PA

Deposits and withdrawals

Bank account or service: Cashing a check without an account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-23

Brooklyn, NY

Settlement process and costs

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-23

Key Biscayne, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Hello, Please accept this as a formal complaint against TD Bank , NA. Reason being, I have made several deposits leaving my account in a positive status. I even check my bank account before I use my debit card. As of today, I have been charged XXXX in overdraft charges in XXXX and an additional XXXX in overdraft charges in XXXX. I believe that this is a bank error based on the following : 1 ) my check deposits are now taking 2 business days to clear when they use to take 1 business day. Also, I have not received any notification regarding changes to their clearing house. 2 ) the first {$100.00} available per deposit is NOT being honored by the bank. I would like the XXXX refunded to my business account XXXX as soon as possible.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-23

Jacksonville, FL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-22

Torrington, CT

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-22

Leawood, KS

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-22

East Windsor, NJ

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I locked my refinance rate with TD Bank. Rates increased quite suddenly post election. My mortgage is now saying I will to have to pay different " points '' since post appraisal the LTV is 61.3 %. They are saying the points are different for LTV greater than 60 % vs. LTV less than 60 %. Is there 60 % cutoff really? I have never heard of it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-22

Chester, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a new Checking account at TDBank online. Checking XXXX XXXX On Thu XX/XX/2016 I deposited {$5000.00} from a personal check, at the XXXX NY branch. I asked when it will be available, the teller who said to be a supervisor said. {$100.00} now the remaining on Friday. I told this is a new account and I am funding it with it and need to make payment, to which he replied not to worry, I can make payments right away on Saturday. Till now the money was not credited. My XXXX account was debited right away. TDBank refuse to make good as per their policy of new accounts. I asked to have the money returned right away in Cash or bank check or credit it to the account. I met with refusal. TDBank is fraudently holding my money, the same way a thief is punished from stealing, the same should be when a business still and this case their XXXX. XXXX, a XXXX of online banking refuses to escalate the call, I asked for their counsel so may bring action in small claims court or an address and refuses to provide. I also wanted to open a joint account and was unable to do so online, now they want me to come to a branch with my spouse. Like we work for them, nowhere was indicated in their website of such, just the opposite, it can be done-
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-11-22

N San Juan, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I accidently sent XXXX to a closed account at TD Bank. I immediately tried to reverse and was told by TD Bank my account I sent from would be credited by TD. This happened XXXX XXXX, 2016 and I am still awaiting a positive response from TD. I have provided the tracking number to them from my " send '' account with no reolution bt TD. I am at a loss
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-21

Mount Chase, ME

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-21

Wallington, NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX XXXX i was informed that my account wasfrozen because of fraud that was caused against my account. There was over {$7000.00} around this amount of unauthorized charges. I have called the companies where these charges have been made and reported this to them and they have done investigations of this and issued refunds to my account still i do n't understand why TD BANK REFUSES TO GIVE ME MY MONEY! I have called them i went in the branch and no-one wants to help me i am in need right now and i do n't know what to do the only response i got was you will get something through mail yet no-one has contacted me until now. I have well over this amount of money i have over XXXX as well i have money coming in from my student loans and money from family now i have no access to my funds and td bank refuses to give me back the money i need to pay for school and such and now i fear that i will never be able to pay for my school tuition and my other private necessities such as transportation I really need help so td bank realizes that XXXX is willing to speak to them and tell them this was all unauthorized and they are issuing me a refund for the money that was stolen by XXXX being over XXXX from them so please i need help so TD BANK Sees this message and returns my money! I am a college student and i need money for daily needs like rent, transportation cellphone bill! I do n't have any access to any type of money since i kept all my money in this account. Please someone help me out and give me honest truthful advice i am very confused and at loss in my current situation. Until this day i still have no answer or money back today is XXXX/XXXX/2016
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-21

MA

Delinquent account

Credit card:

Complaint: ( This is what I sent to Target on XX/XX/2016 ) To Whom It May Concern : I am writing to correct a negative " Charge Off '' account listed on my recent credit report. My wife and I have worked very hard to keep our excellent credit history and just discovered a delinquency in a Target RedCard account. The timing could not be worse as we are trying for a home mortgage and this small account has devastated our normal 800+ credit score and will ultimately cost us many thousands in increased credit costs. It is our only negative account. I just spoke with XXXX at your customer service center and, in good faith, paid off the account in full even though it was already charged off 11 days prior. XXXX and I discovered that an incorrect address was inputted by the Target employee where we applied for the store card and all account mailings were returned to Target as undeliverable. The target employee never asked me if the address was correct and never took my email address when I applied for the card. My correct cell phone was on the account but was never called. I never received a single correspondence or phone call regarding this store card. I demand that this charge off/paid in full account be deleted from my credit report. I accept full responsibility for not contacting Target as to why we were n't receiving an account statement but Target never even bothered to call my cell phone to say there was a problem with the account. I am also contacting the credit bureaus to try and remedy this. Please note my Massachusetts driver 's license and the incorrect mailing address that was used to process my XXXX application. Thank you. ( The amount we placed on the card was around {$170.00}. I worked with the Massachusetts AG office for weeks but Target refused to removed the charge off from my credit report. Would you please help me restore my otherwise perfect credit history? )
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-21

Leh, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-21

Key Biscayne, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: TD bank debited all my sales amount, close to {$400000.00} and I called merchant services and costumer service as well but they are just giving me run around without any explanation. Its been over a week now and I have not received any return calls from them as of today. Please help
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-19

Hinkley, CA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-19

South Florida, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: TD Bank manipulated my account in order to force fees. They placed holds on checks and promised to refund fees related to those holds. They returned payments that should have been good, costing me money with my creditor and showing late payments on my credit report. Additionally, after they learned I intended to get a lawyer, they did n't remove the fees they promised to remove, they did n't properly initiate chargebacks, and they left my account at a negative balance. The following charges should not be on my account : XXXX/XXXX/2016 FEE OVERDRAFT {$170.00} XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX {$99.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. TD Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 FEE OVERDRAFT {$35.00} XXXX/XXXX/2016 DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} ( unauthorized ) I have screenshot text messages where they agreed to remove all fees and this never happened. Once I had to bring a lawyer into it, they did n't initiate the chargebacks after someone got a hold of my card number. They 're being vengeful instead of professional.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-11-18

Jamaica, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-18

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-17

Bonaventure, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-17

Council, NC

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-17

Nyc, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-17

Falmouth Foreside, ME

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Called loan proscesser on Monday it took XXXX 9 days to get back to me she said we had a hurricane in here. She charge my credit card XXXX for appraisal with out my permission when I contacted her she said read your packet and when I read it it said it will come out of my closing cost. I was surpose to close in 45 days did n't happen I called XXXX and she was was rude she said maybe I should with draw my application now I got shown involve which is her manager and talk to him on a Thursday said he was going to rush my loan thru it 's been 7 days and my extensions ran out and no word from shown to find out when or if we are closing I talked to several different managers at TD bank and they keep telling me they will reach out to shon we are at 55 days and I am under contract so I do n't know what to do please help me I can explain more when you reach out to me. The realtor has reach out to processor 15 emails with no response. Please call as I can really tell you how unfair I have been treated We have been in our local branch several times. Missing work and dealing with this issue for 55 days. XXXX. And TD bank does n't care. We have never been thru something like this.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-17

Droop, WV

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Disputed: No Timely Response