TD BANK US HOLDING COMPANY

2016-10-10

FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: TD Bank offered me a {$300.00} bonus to open a new personal checking account online. Bonus was contingent on the fact that I NEVER had a checking account at the institution. I called the bank to verify that I would qualify, since my only account at TD was a safe deposit box rental approx. 4 years ago in XXXX, Pennsylvania. I was told that I would indeed qualify for the bonus offer. After several weeks the bank tells me I DO NOT qualify since I had a checking account at the bank that was opened in XXXX 2015. I never ever opened such an account! In fact the bank wanted to charge me {$37.00} for said account and denied me access to my funds deposited in the new checking account until I pad the {$37.00}. After contacting the bank they agreed to remove the {$37.00} fee and CLOSE the account [ I NEVER OPENED ]!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-10

WV

Transaction issue

Credit card:

Complaint: I gave my credit card number to XXXX for installation of internet service. I did not authorize any other charges on this card. I assumed as all communications service companies they would bill me direct after the installation was completed. The service had serious speed issues. Web page were at a constant slow crawl and would often time out before connecting. XXXX failed to correct these problems.. Please bear in mind that I was sold High Speed Internet Service. So after no action the first 30 days I called to cancel the service. I was transferred to XXXX XXXX and he talked me into continuing the service while they work on the issues. Another 30 days past with no action on their part and I called and cancel again. At that time the customer service rep told be they would cancel the service and send me prepaid postage boxes to return their equipment and send me a final bill, and that would be the end of it. Target Bank Redcard has taken it upon themselves to resolve this issue by billing me for a early termination fee that I should not even owe and while at the same time XXXX has also billed me direct. For a service I never received.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-07

Niskayuna, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-07

Payoff process

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-07

Ridley Park, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-07

Yeagertown, PA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I bought a watch battery worth less than {$10.00} and paid it in full via a promotion program by XXXX XXXX. While I did not establish a credit relationship or made any further purchases from the Jewelry store, the company has consistently billed me for Jewel purchases that I do not know anything about. On learning about the bills, I immediately went to the same XXXX to request immediate bill correction and to stop sending bills. My many visits and subsequent reassurances that the matter will be handled, have how lasted for close to 10 months. The company has consistently sent me huge bills the latest being {$5600.00} coupled with threats for collection. This has continued to come despite my objection to the company and multiple requests to be removed from the company 's debtors list. Distress : Just recently, as I attempted to co-sign an auto loan for my son as he joins college, I was dumbfounded to learn that XXXX have damaged my credit rating in a report to the credit bureau. The company has also continued to issue threats to me for collection measures. Because of XXXX XXXX 's fraudulent charges, my historically high credit rating has been damaged to the effect that I am not able to make any progress in my life and that of my family members.I am in urgent need to have the company remove the negative report and to compensate for the distress caused by the 10-month long ordeal.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-07

WY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My exboyfriend and I entered into an auto loan agreement with TD Auto Finance in XXXX. He left the area and took the truck with him. I was made aware he had defaulted on the loan in XXXX of 2016. He would not communicate with me or the banks ; I communicated with TD Auto, explaining I did not have the truck either. The repossessors came to my home and place of business, to verify I did not have the vehicle in late XXXX XXXX. In XXXX I was able to get a loan to purchase the truck myself. I reached out to my estranged friend and to TD Auto, explaining I was now interested in assuming the debt myself and would work with him to recover the vehicle 's location. TD Auto explained they had engaged the services of XXXX XXXX, to attempt to locate the vehicle, and gave me a contact number. I contacted XXXX XXXX. I spoke to XXXX at XXXX, who advised that IF I found the truck before he did, I would be able to buy out the loan and avoid any further collection activity. I reached out to the familly of my former boyfriend, who advised where he had been hiding the vehicle. I spoke to my Lender, first state bank of XXXX XXXX XXXX XXXX. They advised once i saw the truck and could attest to no damage, I could sign the papers. Which I did. My exboyfriend agreed to meet me with the vehicle, and I then drove it back to XXXX, WY. I signed the loan papers at XXXX, the bank contacted TD Auto Finance and they advised them to call XXXX. XXXX at XXXX spoke to XXXX at this number. XXXX advised XXXX to fax a copy of the cashier 's check of {$32000.00} to XXXX. XXXX faxed this check and confirmed receipt on XXXX/XXXX/2016. XXXX instructed XXXX to mail the cashier 's check to TD AutoXXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, ME XXXX. XXXX mailed the check that day. It was confirmed the fax was recieved. After XXXX/XXXX/2016, all communication from TD Bank, XXXX XXXX and XXXX XXXX all stopped. I drove the vehicle like it was paid for - as it was. I was shocked when on Tuesday XXXX XXXX at nearly midnight, I was awoken by the doorbell ringing. I was frightened, as I am a single mother with a small child at home. I contacted the local police. The police arrived and they spoke to XXXX, a recovery agent from XXXX XXXX. I offered to show XXXX the loan papers issued by XXXX XXXX Bank on XXXX XXXX, 2016 - he refused to see them. He stated his job was only to pick up the truck. He asked hat I remove my personal belongings from the vehicle. I handed him the keys, he took photos of the vehicle and he left with my truck. I was humiliated by the event, my daughter was traumatized, and I was left without a vehicle in the winter in Wyoming. At XXXX XXXX on Wednesday the XXXX, I contacted my loan officer, XXXX XXXX at XXXX XXXX Bank. He was astounded. He verified they had correctly followed all steps as indicated by TD. I called TD and gave consent for them to communicate with XXXX on this matter. XXXX has repeatedly attempted to contact all parties involved, and each party insists he call the other. Namely, XXXX XXXX at XXXX - XXXX at XXXX has called him four times with no return call. I personally contacted XXXX - they stated I needed to speak to XXXX XXXX. XXXX XXXX agent XXXX stated that they had repossessed the truck prior to my loan coming through - this is not true. In fact, XXXX stated the truck was repossed on XXXX, and the loan payoff was not received by TD until XXXX - a very difficult feat considering the certified funds were disbursed on XXXX/XXXX/2016. They are now requesting I pay {$960.00} to release the vehicle into my possession. I do n't feel I should have to do this, as I did pay the loan in full and the respossession was not necessary.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-10-07

Tarzana, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: TD bankUSA, N.A. issued a Nordstrom Credit Card under my name without my authorization/application
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-06

Wallingford, CT

Account opening, closing, or management

Bank account or service: Cashing a check without an account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Bowie, MD

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

Reader, AR

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-06

30th Street Train Station, PA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-10-06

Lewisville, TX

Billing disputes

Credit card:

Complaint: I am unable to add information to my original complaint XXXX. Continued to have many issues with TD Bank Credit Card Services. Attached is my final letter I sent my certified mail to the corporate office with my final resolution of my original case.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-10-06

Queens, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a checking and saving account at TD Bank. The banker told me as long as I have {$100.00} balance in my account. It 's free, there will not be any monthly charges. Last week, I received my first paper statement. It shows {$1.00} paper statement fee. This was never mentioned to me before. To find out where exactly they listed this {$1.00} paper statement fee, I logged into my online account at TD Bank web site. You have to go to " Online Statement Setting '', then scroll down all the way to the bottom of this page and click open a PDF file called Personal Fee Schedule for this. I think it 's very unfair and misleading to customers. Probably many of the TD Bank customers like me have been charged {$1.00} for this.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-10-06

RI

Credit card protection / Debt protection

Credit card:

Complaint: XXXX I am getting billed for a credit card I did n't apply for or ever get.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-05

Newnan, GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My car was paid off by insurance over three years ago and the finance company is still showing it was 30 days past due.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Huntington, CT

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-04

Coon Rapids, MN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

Columbia, SC

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-10-03

Manhattan, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

Fremont, CA

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-03

Castle Point, NJ

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-03

TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: TDAF IS REPORTING A NEGATIVE ACCOUNT ON ALL OF MY CREDIT REPORTS THAT IS OVER 10 YEARS OLD. IN THE STATE OF TEXAS THE STATUE OF LIMITATIONS IS 4 YEARS ON COLLECTING OLD DEBT. TDAF NEEDS TO REMOVE NEGATIVE ACCOUNT ENTRY ON ALL XXXX MAJOR CREDIT BUREAUS.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-02

South Florida, FL

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I came to the branch to make a deposit and it took a very long time because there was only XXXX open. It 's the XXXX of the month and the branch is not prepared to handle the customers
Company Response: Closed with explanation

Disputed: No Timely Response

2016-10-01

Newnan, GA

Other

Credit card:

Complaint: I was enrolled in a 12 Month Payment Option ( payment option ) plan ( Exhibit # XXXX ) that required a recurring payment schedule of pre-authorized debits which was automatically setup by Target Card Services in XXXX XXXX. The balance on the account was {$230.00} and the terms for the payment option with Target Card Services included a fixed monthly payment of {$10.00}, due on the XXXX of each month, no use of credit account while on plan and a reduced APR of 0 %. Therefore, under this payment plan, my credit was revoked and any pending payments scheduled through the Manage My REDcard website were cancelled. Per the payment option terms, the start date for the ACH debits began XXXX XXXX, XXXX in which {$10.00} was processed and the second ACH debit for {$10.00} was processed on XXXX XXXX, XXXX. I called Target Card Services on XXXX XXXX, XXXX and cancelled the payment option plan because I had filed Chapter XXXX on XXXX XXXX, XXXX. ( Exhibit # XXXX ) According to the Chapter XXXX plan, all debts must be paid through the Bankruptcy Court. I could not pick and choose which creditor to pay outside the Chapter XXXX plan. Therefore the payment option plan with Target Card Services had to be cancelled. On XXXX XXXX, XXXX, Target National Bank filed a Proof of Claim ( Exhibit # XXXX ) to the US Bankruptcy Court : claim totaled {$220.00} ( {$190.00} [ principal bal ] + {$30.00} [ fees ] ). According to Target 's 12 Month Payment Option plan, if payment option is cancelled, balance will include fees etc. It is evidenced in the Target National Bank Proof of Claim, account summary ( Exhibit # XXXX, XXXX ) that my account initial balance was reduced to {$220.00} after being enrolled in the payment option plan with Target Card Services. The Bankruptcy Notice to Creditors, dated XXXX XXXX, XXXX ( Exhibit # XXXX ) specifically states that creditors may not take certain actions to collect money etc. and the automatic stay immediately went into effect : Target Card Services did not cancel the payment option plan as I had requested on XXXX XXXX, XXXX. This was to STOP ALL ACH debits to my bank account. The third ACH debit for {$10.00} was processed on XXXX XXXX, XXXX and was unauthorized. My XXXX XXXX Bank Statement dated XXXX XXXX - XXXX XXXX, XXXX shows the unauthorized Target NAT'L Bank Bill Pay Transaction dated XXXX/XXXX/XXXX for {$10.00}. ( Exhibit # XXXX ) XXXX XXXX processed a Stop Payment Order against Target National Bank on XXXX XXXX, XXXX ( Exhibit # XXXX ) and XXXX XXXX XXXX XXXX. investigated and confirmed that it was an unauthorized charge. ( Exhibit # XXXX ) Target Card Services violated the bankruptcy automatic stay. XXXX XXXX of Target Card Services had written in a letter dated XXXX XXXX, XXXX that my account was sold to XXXX on XXXX XXXX, XXXX. The US Bankruptcy Court does not show that Target National Bank transferred their claim to XXXX. A " Transfer of Claim '' was filed on XXXX XXXX, XXXX by XXXX ( Ophrys ), XXXX, XXXX. Target National Bank is listed as the Transferor and had 21 days to object to the transfer. Target National Bank did not object and the US Bankruptcy court confirmed the transfer. ( Exhibit # XXXX ) The Dispute : Target Card Services, Target National Bank, TD Bank USA NA are inaccurately reporting in my XXXX XXXX XXXX that my account was 60 days late, they removed the initial reporting that account was included in Chapter XXXX Bankruptcy Wage Earner plan ( Exhibit # XXXX - initial reporting ) and they now report account as a " Charge off '' ( Exhibit # XXXX ) which is a violation of my rights under the Fair Credit Report Act. Target Card Services has indicated on XXXX XXXX, XXXX that account was sold to XXXX on XXXX XXXX, XXXX and that no Proof of Claim was filed in U.S. Bankruptcy Court. Target National Bank filed a Proof of Claim, which included the account summary, on XXXX XXXX, XXXX and their failure to give notice to the U.S. Bankruptcy Court of the sale to XXXX is a federal law violation
Company Response: Closed with explanation

Disputed: Yes Timely Response