TD BANK US HOLDING COMPANY

2016-10-27

Los Indios, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: While reviewing my credit report, I came across a revolving account I did not recognize. The following credit item does not belong to me : XXXX partial account number : XXXX I have never applied to this company for credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Alden Manor, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Manhattan, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

Billerica, MA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-26

East Hanover, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-26

New Orleans, LA

Improper contact or sharing of info

Debt collection: Auto

Contacted me after I asked not to
Complaint: Lately I 've been receiving messages for XXXX XXXX and XXXX from TD Auto Finance. I called back and each time I called the number back the phone ring one time. Eventually I went online and got a contact number and I answered questions and reported that I do not have a account number or have any business with this company, and yet I am receiving messages for XXXX and XXXX XXXX ; I was told that it was a mistaken call and my home number would be removed. Several days later TD Auto Finance called again and asked for XXXX XXXX and I said, " you have the wrong number. '' Then I was asked do I know a XXXX which quickly annoyed me because I do all the financial paperwork for my family and the cars that we have were never financed with TD Auto Finance. Its really a concern to me when I gave this company factual information and had to demand that they do not call my home number again. I do n't know they purposes for calling, I 'm not XXXX. This situation became ugly in no time because when you have the wrong number it 's wrong!!! I also warned this company that if I get another call that I was going to contact the Bureau of Consumer Financial Protection ; and well that did n't help because I still getting calls from a XXXX XXXX XXXX at TD Auto Finance. Please help me in this matter and my patience are now thin and I know that it not good for my health. Any thing you do I would be so graceful. Thank you all for understanding.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-25

Greenbelt, MD

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-25

Frederick, MD

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Kenmore, MA

Credit card protection / Debt protection

Credit card:

Complaint: Fraudulent Transaction Description ( Summary ) - We were involved in a fraudulent transaction ( rented a property for the weekend ; without our authorization the owner canceled the reservation and we never got a refund ; see detailed explanation below ) - We disputed the charges / situation with the owner of the property and the company that provides the renting platform ( XXXX ) - XXXX recommended that we file a complaint with our Credit Card Company / Bank because they do n't get involved in any type of disputes - We filed the dispute with our Credit Card Company / Bank ( TD Bank / TD Card Services ) Complaint about TD Bank ( XXXX Card Services ) ( 1 ) The card issuer, TD Card Services, did n't provisionally credit the disputed charges ( breaking their Zero Liability Policy that is stated in the TD Personal Card Agreement ) ( 2 ) The card issuer, TD Card Services, did n't perform a thorough investigation - Since the day the case was opened and I sent all the required back up information, I pretty much called every week to find out the status of my case - For more than two months, TD Card Services would n't provide an update - Finally, when I called again in the week of XX/XX/XXXX ( they basically realized it had been over two months ) they looked at my case and shortly after reviewing it, told me that it was rejected - I waited for over two months for them to perform an investigation and mysteriously, when they realize my case is past due, they complete / close an investigation in a matter of minutes and do n't provide a refund ( 3 ) The card issuer, TD Card Services, did n't complete its investigation within two complete billing cycles of receiving the dispute - Case Opened : XX/XX/2016 - Case Closed : XX/XX/2016 - Billing Cycle : Closed on the XXXX of every month Fraudulent Transaction Description ( Detailed ) - On XX/XX/2016, rented a property through XXXX for a weekend stay from XX/XX/2016 to XX/XX/2016 - Had some unforeseen events and aware of the 30 day cancellation policy, we inquired about a potential cancellation and kindly offered to discuss the alternatives with the rental owner as stated in the XXXX website - Without consulting us, the rental owner took the executive action of cancelling our reservation and informed us about the partial refund he would provide - After seeing the unauthorized actions taken by the rental owner, we immediately reached out to him and clearly pointed out that we did n't agree on the cancellation / partial refund and kindly offered to discuss other potential solutions - The rental owner was really unresponsive and even though we sent multiple emails kindly requesting to jump on a call to discuss the situation ( asked 3 times ) and offered potential solutions ( we even mentioned that " fewer of us might end up going '' ), the rental owner replied 2 times informing us about the actions he had taken and never accepted our request to discuss the situation over the phone or offered to jump on a call with us - We finally got onto a phone call with the rental owner on XX/XX/2016 ( approximately 5 days after our first email ) and after discussing the situation, the rental owner told us that he would refund us the full amount - Unfortunately, the rental owner later on sent us an email telling us that he had reversed his course and that he would n't refund us because of the policies - In the final email to the rental owner, we clarified that we were not arguing against the policies ( which we were aware of and stated in our first email ), but that we were arguing against the executive action he took to cancel our reservation when we DID NOT instruct him to do so and highlighted that IF WE WANTED TO CANCEL the reservation, we would have done it from our end, following the instructions offered by XXXX - We filed a complaint with XXXX and they recommended that we file a complaint with our Bank
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-25

Burbank, CA

Credit line increase/decrease

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-25

KS

Account opening, closing, or management

Bank account or service: Checking account

Complaint: In early XXXX 2016, I establihed a cross-border account with TD Bank, N.A., XXXX. XXXX XXXX, XXXX, XXXX XXXX. The account showed up on the TD bank website with my XXXX accounts. I was told the account would not be open until 1. Sent back the signature card -- which I did not 2. Put a {$100.00} into the account -- which I did not I did not know how to use the account. I needed to take the time to speak to someone knowledgeable. The computer in error sent a statement for the unopened account I was charged {$1.00} I went in to the system and switched to online billing. The collection department demanding payment of {$36.00} told me the account should have been closed automatically within 30 days ( by the beginning of XXXX ), since I did not do # XXXX and XXXX, above. I received a letter dated XXXX XXXX. The letter demanded payment of {$36.00} for fees and overdraft charges. I paid the demand on XXXX XXXX, 2016, by giving the person in the collection department my XXXX account number to my XXXX XXXX XXXX account. The account is now closed. I have been told on XXXX XXXX, 2016, that TD Bank is going to keep the {$36.00}, which by their own admission should not have been charged for an account that was never opened. They admit the computer automatically sent a statement, even though the account was not open.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Harrisburg, PA

APR or interest rate

Credit card:

Complaint: I contacted Nordstrom credit to ask for an evaluation of my interest rate. The default rate is 31 % and can be implemented any time a customer falls behind. However, I was told that the system would not allow an eval and Nordstrom is unable to do any evals for at least the next few months. I asked if customers lower rate would be retroactive ... I was told they cant even access the tool to determine if a rate adjustment is possible. The agent could not even XXXX me a timeline as to when the system would be working again. Why are customers expected to pay extra for months without any way to re-evaluate? If that is the case, Nordstrom should not be allowed to raise interest rates until the entire system is fixed. I was told TD Bank is running the system -- seems strange they can not get things corrected when they are up and running branches and other services every day. These default rates are robbery -- but to be forced to continue to pay higher rates with no way to reduce or even be considered..is fraud. If you multiply the extra charges over thousands of customers..it could be substantial profit for the company while being a hardship for people struggling to pay their bills on time and catch up late payments.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-25

Nyc, NY

Balance transfer

Credit card:

Complaint: I called TD Bank where I hold several accounts to apply for a line of credit with their Visa card. I specifically told the representative that I wanted to do XXXX balance transfers. He said that " would be no problem '' and " even if the line of credit does n't cover the balance transfer amounts, they would approve it '', " do n't worry about it ''. The call was recorded. They proceeded to approve me for {$5000.00} line of credit which did not cover the balance transfers. Assured me they would approve these transfers, and proceeded to end the call. I called 7 buisness days later to find out, the balance transfers were rejected, but I had an open line of credit for {$5000.00} with a high APR. The balance transfers are 0 % APR. When I brought up the complaint, I spoke to a supervisor, and was told the matter was " being looked into ''. I now have to close an account I will not use and they ran my credit with assurances that I would have my balance transfers accepted. The supervisor ID that was handling the matter was # XXXX on XXXX XXXX and XXXX XXXX # XXXX. The matter is still being looked into as the conversations were recorded. In conclusion, I opened a credit card with false pretenses, which later I had to cancel and does show up on my credit report. As noted above, I was able to obtain employee ID numbers of everyone I spoke to. When I called my third time to close the account and inform them I am filing a formal complaint with CFPB, the employee would not offer me his employee ID number. Only name and extension.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-25

Plattekill, NY

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-25

Gloucester City, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have a pending transaction in my account and transferred funds to cover it the same day, TD bank processed the debit before credit then charged me {$35.00} overdraft fees. On the XXXX i did another deposit/transfer of {$200.00} for some XXXX bills i wanted to pay and they did the same thing, processed the debits before the credits and charged me another {$35.00} hence effectively ensuring transactions are not processed the way they come in. I THOUGHT IF I WANTED TO SPEND {$20.00} ON MY CARD, STOPPED AT A BANK AND DEPOSITED THE {$20.00} I SHOULD N'T BE charged when i used that card??? Not TD Bank
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-25

Brookhaven, PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I received my Direct Deposit on XX/XX/2016 the amount deposited was over XXXX dollars. When I checked my balance TD Bank had over drawn my account XXXX or more. When I called in to speak to the customer service representatives they were helpful and one rep replaced only XXXX dollars. I called back and spoke to a supervisor who only replaced XXXX dollars. for a grand total of XXXX dollars of my monies returned. Not to mention none of the items that they returned was paid.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-24

Peabody, MA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-24

Barry University, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-24

Oxford, GA

Unsolicited issuance of credit card

Credit card:

Complaint: My fiance and I were at Target checking out and the cashier asked us if we would like to apply for the Target REDcard. We both declined, saying we did n't need a credit card. She then went on to tell us that they had rolled out a new program that was just a rewards card. I thought nothing of this since companies do things like this all of the time. It really interested my fiance and I and we decided to sign up. She told me that she would just need our driver 's licenses. I went first, and she clicked through the prompts on the card reader quite quickly, to where I could not read what it said. She then asked me to finish off the prompts once it got to a question about income. This was a red flag, so I asked her if it was a credit card that I was signing up for, just to clarify. She assured me that it was not a credit card, that the income question was just to determine what kind of coupons I would receive. That sounded pretty odd, but I shook it off and continued on. Then, the prompt asked for my social security, to which I was really confused. I once again asked her if it was a credit card and she PROMISED that it was n't. I finished the questions and signed my name. Where I signed my name, it had something about " credit '' and I asked her about it. She told me that it just said that, but it was n't a credit card. I really felt weary but signed anyway, which is something I regret. She also took {$10.00} off of my purchase, saying that I could not tell anyone about it, whatsoever. She did the same exact thing to my fiance, and once we were on our way out of the store, I searched on the internet to see if Target had just a rewards card. Turns out, they do n't. I was really upset and frustrated that this woman wasted ten minutes of my time to make us apply for a credit card when she explicitly told us it was not a credit card. My fiance called the store once we got home and complained about it, to which he was greeted with a rude customer service rep saying that we just " misunderstood what we were signing up for ''. He explained that she told us it was n't a credit card, just a rewards card, and the woman on the phone literally yelled, " It 's not a credit card! It 's a DEBIT card '' to which my fiance told her that we did not give any of our banking information. At this point, we are livid because the customer service woman is n't listening to us and blaming us for " not understanding '' instead of taking our words seriously. We asked to speak to the store manager, and we were told that she was with another person and that she would call back. She does so, and told my fiance that they have spoken to the employee to get a better understanding of the situation and they realize that it was all a big misunderstanding. My fiance asked what was going to be done about this, and the manager did not give us a definite answer. We feel as if no one at the store took us seriously and that the issue was not resolved. We feel humiliated and completely taken advantage of by this cashier who illegally lied to us.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-24

Cordova, TN

Customer service / Customer relations

Credit card:

Complaint: We reported our card lost to Target. It has been several months and we thought by now they would have issued new cards and fixed the issue. But instead they have locked us out of our account, so we can not access it at all!! We can not make payments us we call in. We can not even see what our account number is!! On your statement they give you an account identification number instead. They have treated us like criminals ever since we lost our cards during our move. They told us we had to fax our driver 's license and social security cards to them for proof of who we are. I refuse to send that information to them over a fax. Something similar happened to me before with another card and they just cancelled the old card and issued a new card. Then they put a security measure on my account that I would get a text each time a purchase was made. They were very nice. But that was XXXX XXXX and not just a department store like Target. I am furious they are treating us like criminals!!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-24

ME

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: ATTACHING THE WRITTEN COMPLAINT AS SUBMITTED TO THE STATE OF XXXX DEPT OF PROFESSIONAL AND FINANCIAL REGULATION. WE WERE INFORMED THAT BECAUSE TD BANK IS A FEDERAL BANK, THEY DO NOT HANDLE THIS AND REFERRED US TO YOU. XXXX XXXX MANAGER OF TD BANK, XXXX XXXX ASSURED ME THE LOCK IN RATE WOULD BE REBATED TO US, BUT TO DATE, NO CHECK AND UNABLE TO FIND OUT HOW TO CONTACT XXXX XXXX THE MANAGER OF MORTGAGES IN THE MAIN OFFICE IN XXXX.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-24

Colts Neck, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: TD Bank is refusing to let me continue making payments on my car even though I am ahead of my payments by 4 months. The car was impounded and the police never sent me anything in the mail to come and get it. Then TD Bank picked it up and are not allowing me to take my car back unless I pay for it in full. That is not fair. I have been making payments on time every month.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-23

Nyc, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX, a man walked into a TD Bank branch in XXXX and withdrew {$900.00} from my checking account. He presented ID that somehow duped the teller into giving him my money, even though there were enough inconsistencies to warrant a closer look at the identification provided. Thus far the bank has refused to promptly return my money until they conclude their investigation. Since the transaction was not " electronic '' I informed the bank supervisor that TD Bank had no right to hold my money for the usual ten business days to resolved the matter. In response I was told they had to hold on to my money just in case I was the criminal who stole the {$900.00}.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-22

Murrieta, CA

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-22

Quartzsite, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have an XXXX credit rating and never missed a payment EVER. My TD Bank Credit account had not been used for many months and just around the time I called to close the account, XXXX fraudulent charges were made on the account - a quick XXXX search of the merchant codes show lots of people have had the problem with Magazine Subscriptions. Since I had just closed the account, I never bothered to login or check to the account, assuming it was closed. However, after receiving a COLLECTION Call on the account and interest and late fees on the closed account, I found out about the Fraud. I immediately opened a case - XXXX - however, I found out today XXXX after receiving another COLLECTION call that not only did the interest and fees not stop, they informed the credit bureaus of my situation negatively impacting my credit score. The charges were not made with my permission and I 've never had a credit issue in my life - TD Bank should be fixing the incorrect report to the credit bureaus AND issues the credits to balance out the closed account. Sincerely, XXXX XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response