TD BANK US HOLDING COMPANY

2016-11-02

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-11-02

FL

Other

Credit card:

Complaint: XXXX XXXX 2016 : Yard card 's phone system was down in XXXX. On XXXX XXXX, 2016 I called to make my payment, as I always do and have for the last two years. I was unable to make XXXX 's payment on time. I called three separate times once at XXXX, another at XXXX and finally at XXXX, as Yard Card makes you pay by XXXX or you are late. I was unable to complete any payment that day. As I kept getting the same automated message that " my request could not be completed at this time. '' I called several times on XXXX XXXX starting at XXXX, and XXXX and finally was able to get through at XXXX to make the payment, I made the payment and was given the confirmation code XXXX. I knew they were going to charge me the {$39.00} fee initially but figured since the problem was theirs that it would not be an issue getting the fee reversed. I called and spoke with a woman who admitted that she knew the system was down and I was told a fee reversal " request '' would be issued and if accepted it would reflect on my next bill but I would still have to pay it before it could be reversed. STRANGE. I usually make my payments with the automated phone system but because of the issue with the XXXX payment I decided to speak with a representative for XXXX. XXXX XXXX, 2016 : I called to speak with a representative to inquire about the removal of the XXXX late fee and to go ahead and make XXXX 's payment. I got XXXX. I made the payment by giving the representative my routing number and my account number. The representative repeated it and said the payment was submitted and gave me a confirmation number of XXXX Several days passed and I realized that the monies were not being debited from my account in a timely manner. I then on XXXX/XXXX/16 received a letter that said that the payment that I gave had been rejected. I called to ask why, they said that I provided them an account number that was invalid. I asked what account number that would be and the person stated that the account ended in XXXX. I did have an account that ended in those four digits, however at the time I had n't had that account in over a year. If asked there would be no possible way I would be able to rattle off that account number by memory. I told the person on the phone that the representative must have decided to just use an account that was stored in the system, not my current one. ( I have attached proof of how long I have had this current account and that I have always maintained enough money to cover yard card at any given point. ) The representative stated that is most likely what occurred and assured me that it would be taken care of and that any fees associated with this or last months issue would be taken care of. I then authorized that representative to go ahead and make the payment again. I gave my account number and my routing number verbally, she repeated it to me and I confirmed it. She said she submitted the payment and I was given XXXX as my confirmation number. She said that I would be received a call about the issues and to give it at least 24-48 hours to hear from Yard Card/TD Bank. This payment was also rejected. No one has a reason as to why or how and could only tell me that they would have to " go pull the phone call '' to determine what happened, I told them I would wait. Moments later they came back and said that they would resubmit and take care of the issues which included another NSF/Invalid account charge. ( I had to shorten my complaint to fit your system ) The same thing happened in XXXX. Once all the fees were removed I was satisfied until I saw that they reported my account 60-89 days late on my credit report. I was shocked. I need it removed. It made my score go down XXXX points and it not accurate. I am asking resolution before I take further action.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-11-02

NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: In XX/XX/XXXX, I went to TD branch bank located in XXXX, New Jersey to apply for direct payment for both my mortgage and home equity loan. The summer before in XXXX and XX/XX/XXXX we were late on our home equity payments. I went on vacation and I thought I had paid both loans ( mortgage & home equity ) together as I have always done in the past but the difference was that I paid for two months. I have XXXX other accounts with TD bank all on direct payments. XXXX of them are for the same amount as the home equity payment of {$85.00}. What happen was that I double paid on XXXX account thinking it was my home equity loan. Clearly that was our error. In XXXX XXXX, the branch manager ( XXXX XXXX XXXX XXXX assisted me in placing our application in the bank computer system. XXXX XXXX told me it would normally take XXXX payment cycle to go through. I would have to pay my XX/XX/XXXX Mortgage and Home Equity payments. As it turns out in XXXX, when I went to pay my loans the teller informed me that the loans have already been paid. 'When I left for vacation in XXXX, I had no reason to think that anything was wrong. I was not informed in anyway by the branch or by any TD BANK department of this matter. The branch manager ( XXXX XXXX XXXX ) admitted in XXXX that she caused the error in the set up of my application for direct payment for my Home Equity loan. The department rejected the application twice and twice she resubmitted the form. I did not know any of this until she told me in XXXX. XXXX XXXX explained the situation many times to the loan department. TD Bank always sends us promotional emails. Never once did they email us that the bank did not receive payment for our loan. Were ever informed us that our application did not go though because bank error. The loan department keeps saying that the fault for the late payments is totally our responsibility. They will not accept any responsibility for this entire matter. If at anytime ( the bank, who rejected the application or XXXX XXXX XXXX the branch manager who filled out the form incorrectly and received the rejection form ) would have contacted us, by email or phone, we could have easily resolved the situation. I applied for direct payment to avoid a repeat of what happen XXXX. All my other direct payments inform me that my payments are due and they confirmed my payments via email. If you look at all of our records except for last XXXX, we were always prompt with our payments. We have been a customer of TD bank since you took over for XXXX Bank and I was also a customer of XXXX Bank since they took over XXXX XXXX Bank since XXXX. The way TD Bank policy is enforced, by the time I would have received the notice by mail indicating that I was late on my payment it would have been over thirty days whereas my credit would have still been compromised. The bank has created a no win situation and they refuse to take any responsibility for creating this situation. On XX/XX/XXXX, I went to the XXXX branch of TD bank, to find out why I received a late payment letter. The head teller XXXX XXXX XXXX XXXX XXXX made it clear it was the bank 's error with the installing of the auto payment set-up. XXXX XXXX spoke to someone on the phone from the loan department at its headquarters in XXXX, New Jersey. The person told her " the bank will correct the error and correct my line credit by removing the mark. '' The only issue was that it would take two months before it would be removed. At least five representatives at my branch ( listed below ) aided me to resolve the problem with the loan department. We lost count how many times each of the representatives told the loan department personnel that the error was the branch 's mistake. I went to the bank at least three times a week from XXXX
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-11-01

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-01

Bridgewater, NJ

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-01

Camden, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-11-01

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: TD Bank reported me to XXXX on a " erroneous checking account that I have no knowledge of opening ''. I did have XXXX checking account not XXXX with them. The one they are reporting abused is causing issues with me trying to open a checking account at another bank. I tried in good will to get resolved and they refused.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-31

Hudson, NC

Communication tactics

Debt collection: Auto

Called outside of 8am-9pm
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-31

Barnegat, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-31

Occoquan, VA

Delinquent account

Credit card:

Complaint: I had a Target Red Card credit card for over three years with an unblemished payment history. My statements were sent by e-mail and I would then pay online, always in full. Last XXXX, I did not receive a statement from Target. I do not remember the exact dates for all of my financial obligations and rely on statements from my creditors. Two months later, I received an e-mail from Target informing me they were turning me over to a collection agency. I called them and told them I wanted to pay the debt in full but also wanted to cancel the card because their statement system did not seem adequate ( i.e. no statements sent ) and I could n't take any chances with ruining my credit. They informed me that it was my responsibility to know when the bills were due and if I cancelled my care, I would never be able to get another one again. I told them that was fine, this was n't working for me, and I had other credit cards. I paid the card in full and owed nothing to Target. In XXXX of 2016, I applied for new car insurance because it was much cheaper. I was told that I would have to pay {$150.00} more for insurance because I had an entry on my credit card. I got a copy of my credit report, and for the first time in my adult life ( I 'm XXXX ), I had a bad credit report from Target. I am now also applying for XXXX jobs and have found out this can also affect my ability to get a job. Target does not have any customer service contacts for this issue as I do not have a Target Red Card anymore and you need a card number to log in into the customer service portal. There is no other mechanism for contacting them about this issue. My question is, if I paid them in full two months after the debt was due, why have they ruined my credit rating? This card has cost me far more than I ever saved by using it and now it is going to potentially impair my ability to get a job. I feel as if I 've committed a felony and I would like Target to resolve this ; I do n't owe them anything and they did n't have to pay anything to collect the debt. It just seems like sheer vindictiveness, which I think stems from my not wanting to use their card anymore. I hope you can help me or direct me to help at Target.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-31

Newnan, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have completed and returned a Fraud Affidavit that TD Bank/Target sent to me 2 months ago. To date, this account is still showing on my credit file. I have sent the Fraud Affidavit to XXXX and XXXX. Please help me to get this matter resolved. This account was a lost/stolen account that I reported to TD Bank.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-31

Logtown, LA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-31

Sandy Hook, CT

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: After receiving an advertisement in the mail for a 'TD XXXX XXXX ', I submitted an online application for an express loan through TD Bank in the amount of {$3000.00}. Their marketing scheme for this loan is 'access your funds in up to 48 hours '. I submitted the application on XXXX XXXX, and it is now XXXX XXXX, and I still do n't even have an update on where my loan application stands. I have called TD Bank 's customer care/financial advisors - numerous times. So far, I have heard the following excuses from their representatives regarding why they do n't yet even have an update : - " It can take 5 to 7 business days. '' ( This was on my first phone call & I reiterated that the advertisement stated 48 hours ) - " It should n't be taking this long, I will email my supervisor to get back to you. '' ( This was on my following call, and I never heard back from a supervisor ) - " You have an advisor, but he 's unavailable and the website just has n't been updated yet. '' ( This was on the next phone call & I still have n't been able to reach the contact they gave me. And to this day, the last time the website was updated was on the day I submitted the application. ) Finally, I called and stated that the only reason I applied for the loan with TD Bank was because they sent me the advertisement. It 's now been long past 48 hours, and I still do n't have an update. I informed the representative that I was actually relying on the funds and that I needed an update soon. If not, I was going to look elsewhere. She stated to me that they 've already pulled my credit, and that the loan would be approved or denied by the end of the business day yesterday. She also advised that if I did n't see an update, that I should just go ahead and cancel my application with them and go to another bank. At this point - I 'm not even going to call anymore. I am writing this complaint to inform the CFPB of TD Bank 's false advertisement, and marketing scheme.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-31

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-30

East Rockaway, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Hello, I am not sure who to get in contact with. My name is XXXX XXXX and I am XXXX in XXXX for the semester. During my 5 day vacation, I came to XXXX for a stay. I was robbed at knife point on XX/XX/2016 at around XXXX to go to an ATM to withdraw money after I went to a bar the same day of my arrival. They would not let me leave until after I had paid the absurd bill of XXXX XXXX for XXXX beers ( there was footage at the bar ). They forced me to cross the street to go withdraw money from my bank account. They withdrew as much as they could after they forcibly got my pin number from me. They withdraw the equivalent of {$740.00} from my account. They still wanted more and wanted me to go back in the bar with them. When I refused they got really aggressive so I started screaming for help. They ran away and I was able to get in a Cab to go back to my hotel. When I got to my hotel, I asked the attendant to call the police so that I could report the crime and to get a police report. He told me that they would n't be able to do anything for me because it was n't in the old city. After pleading with them for more than half an hour, the attendant finally agreed to go to the police station with me. When we got there, the police officer said that he could n't do anything for me and that I should go to the police station in the neighborhood where I was robbed. We took a cab to the city of XXXX where I was robbed. When we got to the other police station, they took my passport and had me stand outside for over 15 minutes. At that point, they had me sit down and a police officer dressed in a suit came and spoke to me and gave me XXXX options : - either he gives me {$330.00} back and I get no police report to report the crime - or I would have to come back to XXXX next week for a court hearing in order to receive the police report ( I am leaving XXXX on XX/XX/XXXX ) - I speak nor understand XXXX He then rushed me and said that I had XXXX minutes to make a decision. As I was calling my bank to have them be a witness to what they police officers were saying, an officer grabbed my phone and hung up. He then convinced me to take the money instead of getting a police report. The police officer dressed in the suit then had me write a " contract '' which states that he gave me {$200.00} USD + XXXX XXXX. He would not give me any police report or receipt. I managed to get a picture of the contract that they had me write and the currency on the table. The police officer then said to me that " its for proof when I go to the club owner that we reimbursed you some of the money so that we can get our money back '' ; which makes it seem as if they were in collusion/corruption with the bar and that it is something that is done often. They did n't offer to go to the bar and make an arrest or a police report, but that they would rather deal with it right there. The effort was not made to even leave the police station. I also managed to get a picture from standing outside the police station with a picture of the officers and the man in the suit. He then told me that I could n't go to any other XXXX Police XXXX to report the crime. The police station is XXXX XXXX XXXX XXXX located in XXXX and it was at XXXX ( local time ) on XX/XX/2016. I have the location of where I was forcibly taken to the ATM and I have the location and pictures from the Police Station. The Hotel that I am staying at will not even write a statement that I came to them after I was robbed, even though one of there attendants accompanied me to the XXXX police stations. The attendant himself said that " XXXX. '' I contacted my bank but the response they gave me was inconclusive. They would n't give me police report but I have pictures with location stamps. I am not sure who else I should send this email to. Thank you.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-29

Wallington, NJ

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Complaint: I did not authorize or request credit from this lender.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

New Britain, CT

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-28

Titusville, FL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-28

Boston, MA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I opened a bank account with TD XXXX ; about 1 month down the line I lostmy wallet and did n't realize my TD bank card was in there since I was still using my XXXX Account. I received my report from XXXX and it states that I Owe Td bank XXXX. I have never overdrawn any money out of that account. I want to file this complaint so we can get to the bottom of what happen to my TD bank account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-28

So Effingham, NH

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Haymarket, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-27

Oxford, GA

Billing disputes

Credit card:

Complaint: My problem is that Target was supposed to issue a refund to my card or a gift card for a claim that I submitted for defective sheets. I provided all of my documentation. 5 months later and I still do not have it. A lot of people around me have received their refunds, but I have n't received mine. I have sent a certified letter to Target letting them know of an impending small claims suit for the maximum amount that the law allows.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Spring Hill, FL

Other

Credit card:

Complaint: I wrote a letter to Target asking the company to provide me proof of my written signature. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-27

Miami, FL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-27

Staten Island, NY

Billing disputes

Credit card:

Complaint: On XX/XX/XXXX, I received five email notifications confirming multiple profile changes from an Administrator regarding my TD account. Each occurrence transpired within 2-3 minutes per transaction, totally XXXX. For clarification purposes, I immediately contacted customer service to advise them of these unauthorized account changes. To my dismay, the service rep was " unable '' to explain and/or determine the cause. However, in order to remedy the situation an immediate " close '' on the account was recommended and processed. Since then, I received XXXX new cards separately during a 2 week interval. It is my belief and opinion that this account was internally tampered with. Recently, I experienced significant inconveniences as it relates to an " alleged '' missed payment for XX/XX/XXXX. Incidentally, I have maintained this account ( along with several ) with efficiency and integrity since XX/XX/XXXX. Barring two instances ( including this one ) where they claimed a " 30-day '' payment delinquency on XX/XX/XXXX, XX/XX/XXXX, including the recent XX/XX/XXXX was NOT in default on my part yet processed as such. Additionally, no courtesy call was made to advise me of such. Instead, I received two letters ( dated XX/XX/XXXX ) from the Senior Vice President ( in an attempt to collect a debt? ) stating that my account was past due. Apparently, this unwelcomed communication served as another exhaustive and financial mitigation with TD Bank - as I had previously submitted this payment every XXXX of the month, due by XX/XX/XXXX. Upon bank verification status, which was not posted but clearly the gap in the check # s ( sent on XX/XX/XXXX for {$85.00}, check # XXXX ) is indicative as in the past was actually issued on my part. Despite attempts to assure TD that this unfortunate delinquency was not my fault, immediate payment plus {$35.00} late fee AND a decrease in my credit limit from {$4700.00} to {$3300.00} became instantaneous. With due reservations, I issued another check ( on XX/XX/XXXX ) for {$100.00}, then a replacement check to the {$100.00} for {$140.00} ( on XX/XX/XXXX ) since they " claimed '' to not have received any payment as of XX/XX/XXXX. Surprisingly on XX/XX/XXXX I was conducting an online bank transaction and noticed a pending post of {$240.00}. Upon verification with my bank, I requested a stop payment for the {$100.00} as I realized TD received and held the missing check to include with the {$140.00} payment. My bank was unable to interrupt the payment, but advised I request a refund from TD. The following morning ( XX/XX/XXXX ) I contacted TD Bank to express grave dissatisfaction in reference to the recent events and requested an immediate reversal - {$100.00} refund, credit limit upgrade, collection debt status removed from credit bureau. Due to the level of request, I was transferred to a manager who only offered to send a business check in 7-14 days. It is truly unfortunate to have experienced this level of impropriety, especially as a loyal customer during the past ten years. On another note, I felt this account should 've been paid off but was unable to obtain my payment history from TD as they claimed no information beyond three years is saved.
Company Response: Closed with monetary relief

Disputed: No Timely Response