TD BANK US HOLDING COMPANY

2016-09-30

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-30

Yukon, OK

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-30

East End, CT

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Coppell, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Fort Lauderdale, FL

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-29

Greenville, SC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-29

NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: XXXX Bank continued to assess overdraft fees based on the improper reordering of debit card transactions from highest to lowest amount and to assess fees even at times when I would, but for the reordering, had sufficient funds in my account to cover all merchant requests for payment. " Illegal and unfair assessment of the account ''
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-09-29

Franklin Sq, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-29

Wallingford, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

South Florida, FL

Using a debit or ATM card

Bank account or service: Checking account

Complaint: TD BANK DAMAGED [ MY ABILITY TO ] USE [ MY ] DEBIT CARD [ ACCOUNT ] BY OBSTRUCTING ACCESS AND TAKING MONEY ( IN ORDER TO INCONVENIENCE, TROUBLE, AND HARASS THE CUSTOMERS PEACE AND TRANQUILITY ). Your submission ( Case number XXXX )
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

Federal Way, WA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: CFPB, C/O TD BANK ATM DEBIT FRAUD CLAIM DEPT. RE : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD CHARGES & XXXX FRAUD CHARGES CLAIM # XXXX XXXX - FRAUD MANAGER CC : XXXX FAX TO : XXXX XXXX XXXX TO DEMAND FULL REFUND OF {$48.00} XXXX XXXX, XXXX Hello XXXX AND XXXX FRAUD INVESTIGATION, I spoke to you today concerning cancelling my ATN Debit Card, re-issuing me a new one expediting the matter to send to my overnight in the mail. I am filing a formal fraud dispute for the BANK CHARGES listed on my account WITH TD BANK ATM XXXX FRAUD CLAIM DEPT. AS OF XXXX XXXX, XXXX. The overdraft fee is {$70.00}, and the other charges total {$510.00} = {$580.00} that I demand be credited back to my checking account effective immediately. I am including evidence for my fraud claim, as there are many other consumer fraud reports concerning XXXX XXXX XXXX that people have had charges put on their bank debit or credit cards, listed within the same 2-4 day window on banking statements. These charges are considered to be Telephone crammer scam frauds, and are also being used in affiliation with outside vendor discount programs networks that offer other companies similar discounts for online purchases with other companies, such as XXXX.com which is a charge that shows up on my bill during the same 3-4 day window of charges that I did not authorize on my debit card. XXXX XXXX Fraud Dept. does not answer their phones, they have a message that plays automatically, but then hangs up and you can not leave a message for them. XXXX/XXXX/XXXX FEE OVERDRAFT PD View Details XXXX Setup balance alerts {$70.00} Pending Transactions : ( {$3.00} ) XXXX/XXXX/XXXX PURCHASE AUTHORIZATION XXXX {$.00} XXXX/XXXX/XXXX PURCHASE AUTHORIZATION XXXX XXXX {$.00} XXXX/XXXX/XXXX XXXX {$48.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$210.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$190.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$51.00} Here are links cross-referencing the fraud that is being committed with XXXX XXXX XXXX and XXXX ; Employee Discount Program discounts provided by outside vendors Welcome to the XXXX College Employee Discount Program! XXXX XXXX XXXX XXXX VIA XXXX FRAUD CHARGES REPORT to XXXX XXXX XXXX, XXXX XXXX, XXXX Just received a XXXX charge from what appears to be your company. XXXX/XXXX/XXXX CHECK CRD PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX? XXXX {$680.00} I am stationed overseas and was unable to check my account until today when I stumbled on it. If this is some sort of scam where your information is being used you 've got things to mend. I 've never been affiliated with XXXX in any way. I 've filed a claim with my bank hopefully it get 's resolved and we can get to the bottom of this issue. THE PHONE ARCHIVE REPORTS OF COMPANIES CROSS-LINKED SERVICES WITH VENDOR DISCOUNT PROGRAM AFFILIATIONS WITH A LISTING OF XXXX ENTRIES WHERE THESE TYPES OF INCIDENTS ARE BEING RECORDED : XXXX Telephone Number Information data on the Internet XXXX XXXX Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Headquarters ) Toll-free : XXXX : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Toll-free : XXXX ( XXXX Phones ) Toll-free : XXXX ( XXXX XXXX ) Toll-free : XXXX ( XXXX XXXX ) XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-29

MA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I continue to receive phone calls on my mobile phone generally at ( XXXX almost daily ) from TD Bank regarding SOMEONE ELSE and their " personal business matter ''. The phone call I am receiving calls from is XXXX Extension XXXX. I have either answered or called back and spoken to representatives a minimum of XXXX times explaining that I am not the person they are looking for. On XXXX/XXXX/16 I spoke to an extremely RUDE operator ( operator # XXXX ) and asked to speak with a supervisor. She told me that she did not think that a supervisor was available. My response was " I 'm sure there is ''. After being on hold for 8 minutes, Operator XXXX came back on the line and told me a supervisor was unable to speak with me but that she located the account that was the root of these calls being made to me and removed the phone number from their list. I explained that this is the XXXX time that I have been told this and was very untrusting and displeased with this " resolution ''. Throughout the entire phone call ( as was with the case with the others ) this operator ( # XXXX ) was beyond rude and very unprofessional. Firstly, I am not the person they are looking for and secondly, no one should be spoken to and or treated this way by a business, especially one as large and well known as TD Bank. I ironically know the person they are trying to reach, have discussed these calls with the person they are trying to reach and told him that I would give TD Bank his information. TD Bank refuses to take said information. I appreciate any help I can receive.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-28

Fairfield, CT

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-28

CT

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: A customer of TD Bank, XXXX XXXX, XXXX, CT, loaned me {$3500.00} in XXXX 2016 for my daughter 's college tuition, She used her debit card to make the payments.to the University my daughter attends. The first payment was {$2500.00} which was made online from her home. The second XXXX, she accompanied my daughter on campus and made the payment.Service fees were also paid by her. Initially, arrangements were made between both of us for full repayment by XXXX XXXX, 2016. No Promissory Note was done as she said it was okay without one. I repaid her {$2000.00} of the {$3500.00}. I was having difficulty with my source of funds, so she told me to repay her in small amounts. She then decided shortly after telling me to pay her back in small amounts that she needed the balance by the end of XXXX 2016. I informed her that it was not possible and I would pay her on XXXX XXXX, 2016. Sometime in XXXX 2016, she contacted her bank and reported the first payment as a fraudulent transaction. The bank ruled in her favour and returned the money to her.I spoke with the bank and was informed that I was not a customer of the Bank and they have to protect the interest of their clients. I attempted to get back my money from this woman, she told me that she is waiting for me to take her to Small Claims Court. She is also denying that she loaned me the {$2500.00}. I physically visited the bank and showed the representative the text messages. She discussed this with her manager who instructed her to inform me that there is nothing they can do as they have to protect their client and I would have to go through the courts. I can not afford a lawyer and being repaid in small amounts will not assist me to pay the University.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Niantic, CT

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-27

Dixmont, ME

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Washington, DC

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-27

Magnolia, TX

Billing disputes

Credit card:

Complaint: XXXX XXXX XXXX TX. XXXX I opened a Target store card in 2015 at the register after first refusing but the cashier pushed and I finally caved and it has been the worst nightmare since. I have several credit accounts, standard accounts and store accounts. I pay on time with payments that cover all or on occasion most of the current balance. I made a one-time purchase at Target using their temporary card for a little over {$100.00} purchase of toys for my grandchildren. I never received the card or the bill and it being XXXX I did n't think about it. I did n't know my account number then or now. A few weeks later, I got a bill with a {$35.00} dollar late charge. I called and explained to a rep and it was removed ; however I did not receive a later bill. I called and asked for the balance stating I was tired of the extra charges and wanted to pay it off. I was given an amount of {$94.00} and I paid it with an online check. Apparently the routing number was n't correct and if so it had to be the clerk on their side because I know my number by heart without reading it off. I was n't notified and thought my next bill was a mistake since I knew I paid it off. I called and was told it was the wrong routing number so I gave it again. I still got bills and called again. This time I was told that I had n't made the full payment of {$100.00} and was billed late charges again on top of the difference. I explained that I asked for the total and paid what I was told. I offered to pay the difference and one late charge which I did, but would n't pay the extra late charges. To date I keep getting bills for late charges and I do n't feel I should. I called them numerous times during all of this and asked to speak to supervisors a few times. I informed them I was a teacher and could n't pick up until XXXX daily. I did n't know the number that would call and it never said Target, but in any case they were before XXXX when I ca n't answer. When I did n't get a call I went to Target to talk to them in person. It was then that I found there is no one physically in any store to handle credit problems. The person I finally talked to called on a Saturday and was not a supervisor as requested and was very rude. He is one I paid the difference to and one late charge. Needless to say this situation is still continuing and although the store admits that they made mistakes they are not willing to drop the late charges or comp. I closed the account I never received a card for and am hoping that it is noticed that I am not behind on any other bill and had excellent credit until this. I do n't think that the consumer should foot the bill for a company that uses these type of tactics. XXXX is a website I wish I had seen earlier showing how many people received the same type of treatment as I did. I am hoping you will attach this as an explanation for this black mark on my credit report. Sincerely XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Vista, CA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

Absecon, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I deposited a {$6500.00} business check from an XXXX Account ( Former XXXX ) for consulting work in person on a Saturday morning at TD Bank XXXX, NJ. Should be available Tuesday 1 bus day after deposit. Well TD Bank tried to hold my check for 10-days! The plan here is to catch me with Overdraft Fees at {$35.00} per check and going foward afterwards. The check was paid by XXXX Bank on Tuesday XXXX as it should have been, but TD Bank said the check was A. Bad check from former XXXX and XXXX XXXX. B. Flagged by the XXXX as " suspicious ''. I called my friend on the XXXX, who said we do n't do that. C. TD Bank would clear the " Bad Check '' but it would take10-days. Why would a Bad Check ever clear? This check was cleared, then held, then cleared all within 2-days. Finally permanent hold. Until I went to XXXX branch with a letter from XXXX dept saying check was paid on Tuesday morning as it normally would be. TD Bank had my money for a week and charged me Overdraft Fees while they held my {$6500.00} in their account! My clients are the XXXX in XXXX, the State of XXXX and XXXX individuals. Never had one check bounce in 34-years, with over 20-years at TD Bank. Interest rates are at historic lows, there is no rate spread to make money, so TD Bank is forcing customers to overdraw checking accounts to collect {$35.00} per check Fees! Fees are where the real money is in Banking today, not interest rate spreads. TD Bank has a systemic Bank wide plan to withhold large small business deposits, knowing owners are counting on the next business day check availability they advertise and writing checks to pay their bills. TD Bank withholds those funds, even though TD Bank was Paid by the other Bank, for a week to 10-days and watches the {$35.00} per check Overdraft Fees pile up! Hey, a New Profit Center. What a scam! Now they have Plan B too! Check your checking account online before bed, no pending checks, positive balance. Wakeup in XXXX check account, pending withdraw I forgot about , drive to XXXX XXXX at XXXX and deposit {$180.00} Cash. Positive balance on receipt. Still get charged {$35.00} Overdraft Fee, which then causes a {$20.00} check, which was covered prior to Overdraft Fee, causes another {$35.00} Overdraft Fee!!! This is the cascading power failure scenario, but for Banking and increased profits! There is literally No Way to Avoid a {$35.00} Overdraft Fee at TD Bank, no matter if you checked your account around the clock. Because the server is down at XXXX XXXX when they process the overnight transactions. So by the time you see it, it 's already too late, do n't add cash to you account, you are already too late! TD Bank added the Guranteed Overdraft Fee Amendment to our Banking fine print in XXXX 2016. I wonder how much Overdraft Fee Income went up since then, a XXXX or XXXX?? My old friendly TD Bank and America 's Most Convenient Bank is far from that now, now that the XXXX took it over from local ownership! This needs an extensive Congressional Investigation of TD Bank, and others. I will be consulting with Counsel about a Class Action lawsuit. Good luck with fixing this one! But that is the CFP Boards job!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-27

E Fairfield, VT

Account terms and changes

Consumer Loan: Personal line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-26

Blountsville, IN

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

Paramus, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

East Barre, VT

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-26

Oxford, GA

Payoff process

Credit card:

Complaint: i have had a Target Red credit card since XX/XX/XXXX. They refused to take my payment on XX/XX/XXXX at XXXX when payment was due by XX/XX/XXXX. I called the moment I remembered and as always intended to pay in full. I always pay any amounts due in full. citing they have made a late payment exception for twice in 12 months, they could not take this payment and remove late fees of {$25.00}, interest and the negative reporting to the credit bureaus. This is stupid. THREE times on XX/XX/XXXX and XX/XX/XXXX I asked for a supervisor and was refused. I was placed on long holds and told a supervisor would call me back within 24-48 hours. You 're telling me that inside of this MASSIVE organization, there is not one supervisor available to talk to me? XXXX I want the late reporting, fees and interest removed. I only have a {$200.00} credit limit with them anyway. It 's not like this is a big limit card. the amount due on XX/XX/XXXX was {$90.00}. XX/XX/XXXX phone calls only infuriated me further. One tried to strong arm me into paying over the phone and not even listen to what i had to say. What sort of shim/sham operation is this anyway?
Company Response: Closed with explanation

Disputed: No Timely Response