TD BANK US HOLDING COMPANY

2016-09-26

Bradenton, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-26

NY

Closing/Cancelling account

Credit card:

Complaint: I received a letter dated XXXX/XXXX/2016 stating that my Target red card had been closed due to too many returned payments I immediately called target red card customer service to see what had occurred because I have n't had this issue before they then stated that this had also occurred back in XXXX because my checking account was closed and or frozen I stated that it wasnt and that i hadnt had any similar problems like this with any of my other creditors he then conferenced called my financial institution which they confirmed that my account was n't closed nor frozen but in fact the issue which was causing them to receive that error code thus subsequently returning payments was because my checking account did n't have check writing capabilities which they were initiating payments as a check and could only be used to make payments using the debit option I asked for my account to be reopened but the customer service agent was n't willing to help with that request
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-26

Canaan Lake, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-24

Ocala, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-23

Pinellas Park, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-23

Staten Island, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: Please help me to better understand my dilemma with TDBank. I was having difficulty with my banks services. Apparently TDBank was having difficulties with software during the last holiday period of XXXX XXXX XXXX. I was transferring funds and attempting to make a billpay to XXXX XXXX. Of XXXX dollars. I keyed in my amount and then saw it popped up as the higher amount of XXXX which surprised me as this was an amount I had transferred to cover bills at the time, and I then cancelled. But the system closed on me. I then called and called and called the bank whick was crazy busy. And was yold systems were down to call later. I elained to the TDBank phone rep my dilemma and she helped me go to my bank page to see what was going on. There was a zero pending and a zero amount and zero going out. And we agreed to wait for my XXXX. Payment till the system cleared up. And I did,, then I noticed the amount of XXXX was attempting to debit from my bank account. I called and was given the bill pay dept., they were upset I was trying to cancel. I told them this was not my financial paymentof choice of XXXX and I did not owe this amount and it was then to be am overpayment did not wish to make. They argued and said I was going to pay it and that was that! I had no way out and they did not see a cancellation by me? I told them maybe because the software system was having troubles. They said ths never happened and I was still paying this amount no matter what! This s is a new account so I tried to get it cleared up, but kept running into the same rederick and speech. I told them the bank saw the error at fitst call. And even gave me back the overdraft they had charged me with. I said I am not paying this and XXXX.this amount and XXXX XXXX agreed to this too and was sending back the checkmto them. Would only ask for payment once as I checked this with XXXX. And explained my dilemma to them throughly. I also talked with finesev. The company who TDbank uses and they said they tried twice and never got any refrence of non payment and the money finesev paid out was returned to them also. So I owed nothing to XXXX.And the bill pay company finesev And both sad I was in good standing with them. So again I called TDBank bill, pay. And was spoken to without truly ever understanding or clearifying why my acoount that yet has a negative XXXX on it? I spoke of non disclosure, and the man XXXX spoke but did not clarfy the total amount. I was on the phone for 2 hours or so. And he said my other charges caused my overdrafts as the XXXX was still pending even f I did not want it paid, it was in the system. So the system dictates not the customer n this case! I have been speaking to TDBank since the XXXX of XXXX 2016. And have yet to see how this XXXX '' adds up? Each transaction over draft would equal to XXXX dollars each and how many have they claimed, XXXX did not add them up according to my statement that he went over with me by my request. How can I owe overdrafts and monies in the exact ampunt of the bill pay they are extracting plus the very same overdaft fee of XXXX each? This makes no sense to me? If I had the overdrafs they clamed it would total XXXX XXXX = XXXX and out XXXX this leaves XXXX dollars yet unaccounted for as owed, how! Make it plain to me I asked. Please come to my aid. I have looked up TDBank 's recored and it is not a pretty one on overdrafts. I have hadvthem overturn them tor me before due to finding the overdrafs not only excessive but brutal and not always warrented. This their aruguement with me now, hum they play false I find out and I am penalized? My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, XXXX XXXX XXXX My banking acoount is XXXX I am sending my statement here for you to see. Thank y
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-23

NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: We account was closed randomly without explanation.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-23

Fred, TX

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I financed a mower over 24 mos@XXXX per month. After about 7 months they raised my monthly note to XXXX. I had put it on auto debit at my credit union for the XXXX, so when I received the monthly note from them, I just disregarded it since I knew it was being paid. I started getting late payment notices and fees around this time and called about them. They waived them twice, but never mentioned that I was n't paying the new minimum. I finally called when it was handed to their collection dept. and that was when I found out that my note had been raised. ( This was yesterday ) They said I had been notified and because they had already waived XXXX late fees, they could n't waive any more, so I am on the hook for $ XXXX+ of late fees. My frustration is that they have n't missed a single payment. The only thing they are out is " late '' fees for my not paying the new minimum payment since XX/XX/2016. I contracted for 24 payments of XXXX and I have held up my end of the contract. They are trying to extort hundreds of dollars of late fees for a trumped up increase of {$0.00} per month. I do n't want my credit rating damaged because of this, but it has been already. Unless you can help, I either pay up or face ruined credit for something I ca n't avoid. I do n't want something for nothing ; I just do n't want to get XXXX by a bank because they think they can. Thanks.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-23

San Francisco, CA

Transaction issue

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-22

Phila, PA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

Southington, CT

Shopping for a loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

TN

Late fee

Credit card:

Complaint: I have a Target card, it 's my smallest credit card and I only got it XXXX for the discount they were offering. I have otherwise great credit that HAD 100 % on time payments for 12 years until this little fiasco which has amazingly damaged my credit score. I got this card right before Target lost everyone 's bank info to criminals. They later changed their security to where it will never recognize my computer and requires all kinds of extra verification so that I can not ever seem to get into my own card online so I mail my payments as a check when I have a balance. Apparently it is taking them more than 10 days to " receive '' and " process '' my payments. I am currently owing them about {$75.00} which is entirely fees, after I already paid about that much in fees once already on a balance that was only like {$63.00} to begin with. ( I let my daughter use it for the discount to spend her birthday money and then forgot about it because I had an XXXX family member. ) So after the funeral I sucked it up and paid {$160.00} ( on an original balance of about {$63.00} ) due before the XXXX of XXXX which is the due date. Now I get a statement thinking this thing is paid off and how and somehow I still have late fees, XXXX actually, so now they want a further {$75.00}. This is ridiculous. I called my bank ( who showed the check had cleared on the XXXX ) and they said it had to have been presented on the XXXX or before to have cleared because it takes one business day. I sent it well ahead of time and they clearly had it in hand before the XXXX. What is it to me how long they take to sort and handle their mail? I consider this a failure to process the payments out of compliance with the Fair Credit Billing Act ( FCBA ) but they will not overturn the charges and close my account even though it consists entirely of fees made up for a payment which was already double the amount, a payment that they had to have in hand on the XXXX for it to be through on the XXXX. Can something not be done about this? They can just take whatever amount of time they desire to sort and process and fee as they please?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-22

DE

Rewards

Credit card:

Complaint: TD Bank Credit Card Offer for TD Cash Rewards Visa offered {$200.00} cash back when spending {$1500.00} within 90 days of account opening. Never received the {$200.00}.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-22

San Francisco, CA

Customer service / Customer relations

Credit card:

Complaint: On XX/XX/2016 I called TD Bank and it was told me that my auto-pay has been removed by a manager.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-21

Camden, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-21

Winnsboro, LA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

San Francisco, CA

Privacy

Credit card:

Complaint: On XX/XX/XXXX, a cashier at the Target ( XXXX Branch ) at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX completed at Target Red Credit Card in my name, while I was paying for the items in the checkout line at the register. She framed it as a rewards card ( XXXX offers one ), took information from my license ( which was out of state and in XXXX as I moved into XXXX and was n't even a resident ), and entered it into the system. Months later, I was forwarded mail notifying that I had opened a credit card, charged an amount on that card and Target was attempting to collect a debt. I went back to the store and have seen numerous cashiers at that Target Branch as well as others to to upsell customers on the " rewards card ''. In my attempts to clear this up, I had multiple attempts to contact Target Corporate Services between XX/XX/XXXX-XX/XX/XXXX and also found out from other cashiers that management offers large bonuses to employees who " convince '' credit card accounts. In all cases, they said that it was out of their hands and they passed it off to debt collectors. XX/XX/XXXX, XXXX XXXX executives are being investigated by the Senate for the opening of fraudulent accounts, I truly wish the CFPB, Senate Banking Committee Consumer Financial Protection Bureau and other governmental organizations would investigate the practices of Target and TD Bank US Holding Corporation on the opening of Target RED Card at checkout stands to see if there was a more systematic program in place by executives. Allowing a financial product to be sold at a checkout point where cashiers can demand access to personal information such as a driver 's license, and get access to personal things such as a signature to be used for very powerful things should simply be banned as fraudulent activity such as this happen. Target and TD executives should also have their emails reviewed for any systematic program to provide bonuses on the opening of RED Card accounts. Please see all problems with the RED Card accounts. XXXX As a resolution, Target has a Guest Services desk at the minimum and all financial products should be required to be verified there there with proper paperwork upfront provided on paper instead of through any checkout flow where it is prone to misuse by its cashiers. Anything not opened there and through the cash register should be closed, and all credit claims stopped.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-21

South Florida, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XX/XX/XXXX I made a cash deposit to cover pending charges in my back account. All transactions, including my deposit, posted on the same day. However, TD Bank process transactions in a way that 's designed to collect fees from consumers. Basically they posted my debits before my credit, making me incur XXXX dollars in overdraft fees. This is not the first time this bank does that, and although it might not be illegal, it 's morally wrong. I walked into the bank to have them reverse the fees and they refused. XXXX XXXX, supposedly the supervisor at the branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, told me that if I was not OK with the fee to go find another bank, that he would not refund the fee because it was not a bank error.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-21

Manhattan, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-21

Marion, IL

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-20

Camden, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-20

Morningside, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-20

Maynard, MA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-20

Denver, CO

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-20

South Florida, FL

Using a debit or ATM card

Bank account or service: Checking account

Complaint: THOSE SEVERAL DEBIT ARE NOT MINE, OR I HAVE NOT AUTHORIZATION, OR NEVER USED THIS COMPANY, TO RENT O BUY MOVIE ... .I INFORM TODAY A TDBANK SUPERVISOR, XXXX TO XXXX ( fraude of {$100.00} ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX PURCHASE AUTHORIZATION XXXXXXXXXXXX {$1.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$1.00} XX/XX/2016 XXXX {$3.00} XX/XX/2016 XXXX XXXX {$3.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX. {$20.00} XX/XX/2016 XXXX {$59.00} I NEED THAT CFPB HELP ME TO ( FORCE ) TO TDBANK RETURNED THIS AMOUNT OF $ XXXX.CONSIDERED ( FRAUDE ). TODAY I AM MAKING THE REPORT TO TDBANK ... .REPRESENTANT TOLD ME THAT WAIT UNTIL TOMORROW XX/XX/2016 IF IT OCCUR ... ..I NEED MY MONEY BACK., I APPRECIATED YOU COLLABORATION Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX SIMPLE CHECKING - XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response