TD BANK US HOLDING COMPANY

2016-11-09

Boulevard, NY

Managing the line of credit

Consumer Loan: Personal line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-09

Pittsfield, MA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-09

Wallington, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I feel like I was discriminated by TD bank in XXXX XXXX NJ on XXXX. First of all I was told that I will pay no servicing fee for holding my account at TD bank as long as I hold a minimum of {$100.00} balance. I contacted TD bank and told them that it 's not fair that I have been paying approximately {$15.00} per month when in fact I had the minimum balance required. They told me they could only refund one month of servicing fees and that it is my problem, and they do n't have to pay me back. They also told me that I will not have to pay any servicing fees for my saving account which I have been paying about {$4.00} per month for a couple of years. I applied for a personal loan at TD bank a couple of weeks ago and I feel I was discriminated by the bank due to my national origin which is XXXX and due to my XXXX faith. I have a heavy XXXX accent, and I felt like I was mistreated. I was declined for a unsecured personal loan for the amount of {$10000.00}. However I contacted XXXX personal loan a couple of weeks later and I was approved for a {$10000.00} unsecured personal loan. I know that the bank has taken advantage of my situation by not crediting any of the fees and declining a loan that I should have been approved for because other lender would probably approve the loan.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-11-08

Atlantic City, NJ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Fort Washington, MD

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

Mamaroneck, NY

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-08

MA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: The elderly borrowers entered into a mortgage modification agreement this year under which the bank agreed to forbear over {$3000.00} in fees and charges until the maturity date in XXXX. The bank, however, is sending monthly or periodic statements that list the charges and fees as " Overdue '' and includes the charges and fees as part of the " Total Amount Due. '' The statements are misleading and are causing the borrowers to fear that a default will be declared, late fees will be assessed, and foreclosure may take place if they do not pay the " total amount due '' which they can not afford. The statements violate the text and spirit of XXXX CFR XXXX. The total amount due refers to the amount that must be paid by the next installment due date ( not at the end of the loan term ) and the late fee will be imposed if the stated amount due is not paid by the due date. On its face, the statement indicates that a late fee will be charged if the total amount due is not paid by the next due date. In addition, the fees and charges have been capitalized as part of the modification agreement, and the statement does not explain that this amount is not due. The borrowers sent a Notice of Error that failed to change the bank 's practice. The borrowers ' counsel sent a QWR that also failed to change the bank 's practice. The bank justifies its current periodic statements as being required by the " Dodd-Frank Regulation ''. The borrowers believe the bank is wrong and wants to have the bank change its practices both as to them and other borrowers.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-07

Port Chester, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-07

Succasunna, NJ

Managing the loan or lease

Consumer Loan: Vehicle lease

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-07

Morningside, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-07

San Antonio, TX

Other

Credit card:

Complaint: In XX/XX/2015, I was the victim of Identity Theft. Target was the 2nd company to contact me about an account being opened in my name. They told me at the time that they would remove the hard inquiry off of my credit report, but as of today it is still on there. I have filed a police report & followed all protocol to get the hard inquiries off of my credit, but Target & XXXX are still on my XXXX Report under Hard Inquiries. I have exhausted all of my resources to get these last two inquiries off of my XXXX report. I hope you can help get these resolved.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-07

Wilmington, DE

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I wrote a check for {$140.00} to pay my XXXX XXXX acct. XXXX never receive the payment and later found out that the check ended up at XXXX Bank and had been cashed. I reported this to my bank TD Bank located on XXXX XXXX in XXXX, DE they give me the run around for months. I did all they requested of me. Lastly I filled out a document and was told an investigator would call me. He never called. I reopened the case again and give them the reference number given to me the first time I made the complaint. I was told they could n't find any record. I filled out the same document and was told again an investigator would call in about a week. No one called and two months had passed. I called them and was told by XXXX that there was nothing they could do.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-06

Atlanta, GA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Toronto Dominion Bank ( TDB ) had an impeccable loan client in my parents and, after their passing, their Trust. The loan, a 10 year consumer loan with my parent 's house as collateral, originated on XXXX XXXX, XXXX. After my parent 's passing, the Trust ( I am the Trustee ) not only maintained the bank 's collateral property but also invested more than {$150000.00} into improvements. There was a history of continually higher rental leases and continual improvements to the property. On XXXX XXXX, XXXX, with a 6 year perfect payment history, TDB arbitrarily nearly tripled the monthly payments. They rose from about $ XXXX to $ XXXX, a figure that was unsustainable for the Trust. There was no attempt to discuss the modification of terms with the estate, just a notification by mail. Requests for a local TDB representative with which to discuss the change in terms were ignored. A TDB contact was provided by mail in a letter dated XXXX XXXX, XXXX, six months after the tripled payment notice. Please note that nothing in the original loan documents allows TDB to change the loan terms due to the passing of the loan holders. Nonetheless, the Trust paid the tripled payments for 5 months, through XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. The Trust notified TDB in writing several times, in letters that were acknowledged, that it was listing the property for sale so the loan could be paid off and would continue the original loan payments ( of $ XXXX. ) in the meantime. TDB continued to accept these original, interest only payments for six months, though the Trust began to receive legal notices, stating that the account was in default and in danger of foreclosure along with increasingly higher fees and interest being accessed to the account. To be clear, the default was a default on the tripled payments. The Trust was committed to continuing the original monthly payments until sale of the house and pay off the loan. On XXXX XXXX, XXXX, much to the surprise of the Trust, and against their own self interest, TDB changed all the locks on the house at a time when the house was being shown to prospective purchasers. It posted a notice on the front door to inform buyers and agents that the house was no longer for sale or rent. The Trust was also prevented from making monthly payments on the loan at this time. The account had been transferred to the default/loss mitigation department and payments were not accepted. TDB 's action kept the house sealed up and inaccessible for one week until the Trust could get a key to get back into the house. The house had been " Winterized '', including turning off the electricity, all the high end hardware on the exterior doors was destroyed and replaced with cheap and mismatched knobs. The sign on the front door that said " This house is neither for sale nor rent. '' remained for a week, looking to potential buyers like the house had been put into foreclosure. I put the house back on the market and listed it for sale " as is ''. It was only through the Herculean efforts of the Trust and the real estate agent that the house went under contract and closed on XXXX XXXX, XXXX. The purchase price, after TDB 's unwarranted seizure of the house, was {$15000.00} than a previous sales contract that had fallen through due to the buyer 's financing problems. The loan to TDB was paid in full at closing, including the questionable bank fees and interest charges. I have retained a local attorney since XXXX XXXX. He has a written agreement from TDB, dated XXXX XXXX, XXXX, for {$3700.00} in " hard cost '' ( destroyed hardware, etc. ) plus his attorney fees of {$3500.00}. This has not been paid by TDB as we are also asking for {$60000.00} in intangible damages for the forced sale of the house and the lower purchase price. After 18 months and no resolution from TDB, I am now requesting your assistance. I have complete back up documentation of the above.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-05

CA

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
Complaint: I was sent a letter on XX/XX/XXXX ; from XXXX XXXX., A professional XXXX XXXX, XXXX, CA XXXX ; stating I owe : {$6000.00} from TD Bank USA, N.A. ; account # : XXXX XXXX. I will first state ; the last payment made on this account was XX/XX/XXXX, the account was Charged Off on XX/XX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XX/XX/XXXX, Experian removed it : XX/XX/XXXX. XX/XX/XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XX/XX/XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX. I would like to know, how can Target get a judgement on me in XX/XX/XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XX/XX/XXXX and in XX/XX/XXXX. I responded to their first letter on : XX/XX/XXXX ; stating the 7-year diary has came and gone in XX/XX/XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files. This is when they followed up with their letter on : XX/XX/XXXX ; showing a default judgement for XX/XX/XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date. What I do know is, Target charged off this account. XXXX removed this account in XX/XX/XXXX. XXXX and XXXX removed it in XX/XX/XXXX XXXX Credit report dated on : XX/XX/XXXX is stating and showing ; Target " Charged Off '' and " Closed '' this account on : XX/XX/XXXX. Getting a Judgement on me in XX/XX/XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal. Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-11-04

Briarwood, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-04

Staten Island, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Manhattan, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-04

PA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Today I went into a branch and spoke with XXXX XXXX [ XXXXXXXXXXXX ]. I wanted to close my TD Simple Savings Account ( Acct. No. ending in XXXX ). XXXX XXXX advised that she closed the account but I am not confident that the account was closed and that I will no longer be charged any further fees.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Belmar, NJ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

OR

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: The account was included in my chapter XXXX bankruptcy filed XXXX/XXXX/16 and discharged XXXX/XXXX/16. The creditor was included in the bankruptcy and the debt has since been discharged. I have disputed this account multiple times online to each credit reporting agency, and the company came back stating the account was reporting correctly, then corrected the account - deleting it from my report, to then re add it as an open trade line on my credit, not included in my bankruptcy, or a zero balance.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-04

New Britain, CT

Using a debit or ATM card

Bank account or service: Checking account

Complaint: For the second time TD bank has closed my debit card stating i needed to activate the new chip card they sent me and for the second time i have not received a chip card. I have now been declined making a purchase twice because they close my current card assuming i received a new XXXX in the mail. It is inconvienent and embarassing.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-04

Flushing, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-03

San Diego, CA

Billing disputes

Credit card:

Complaint: I purchased a costume from target.com. it did not fit my niece, therefore I walked in the return to a target store here in XXXX, the XXXX store. The attendant told me it would automatically be returned to my red card, ( target card ). Upon further review due to late fees on my account because it was the only item I had charged, i discovered it was not credited to my account. It in fact apparently was placed onto a gift card which I never received. I have now been assessed two late fees on my account. Target refuses to credit my amt due XXXX and in fact now charged me XXXX dlls with the XXXX and late fees. please assist. this is not the first time target abuses their authority,
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-11-03

York, ME

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-03

Oxford, GA

Advertising and marketing

Credit card:

Complaint: I APPLIED FOR ALLY CASH BACK VISA CREDIT CARD ON XX/XX/2016.THIS CARD ISSUED BY TD BANK NJ. THERE WAS PROMOTION FOR THIS CARD - {$100.00} BONUS AFTER {$500.00} PURCHASE IN FIRST 90 DAYS.I MADE PURCHASE MORE THAN {$500.00} IN FIRST 90 DAYS.BUT I DO NOT SEE THAT {$100.00} BONUS ON MY STATEMENT ISSUED BY THIS BANK ON XX/XX/2016.I DO NOT TRUST THIS BANK. I FULFILL ALL THE REQUIREMENT WITHIN TIME LIMIT. BUT THIS BANK DOES NOT WANT TO PAY ME BONUS. THE CUSTOMER SERVICE F BANK IN VERY POOR.THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER.
Company Response: Closed with monetary relief

Disputed: No Timely Response