TD BANK US HOLDING COMPANY

2016-09-20

Saint Clair, MO

Closing/Cancelling account

Credit card:

Complaint: THIS ACCOUNT WAS NEVER LATE AND SHOWS ON CREDIT REPORTS AS LATE AND CHARGE OFF. I CLOSED ACCOUNT ON MY OWN ACCOUNT. THIS IS EFFECTING ME GREATLY. PLEASE DELETE OR UPDATE
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-20

Ft Belvoir, VA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: We got a call from TD Bank asking us if we have authorized ACH transfer of $ XXXX on our business account. We were informed that the account would be immediately closed and he needed to go to a TD Bank branch to re-open a new account. We visited TD Bank the next day to XXXX the account was still active and the funds had been released by TD Bank. There was no record at the bank of any issues with the account. We filed a police report on Monday, XXXX XXXX, 2016. A new unauthorized attempt was made on XXXX/XXXX/16 for the same amount. No one from TD Bank questioned the new ACH attempt and the only reason it did not go through is because of lack of funding. We did not yet have access to the account at that time so it should have been very easy to catch. This may be a case of insider threat, why could they not stop the transfer? This is extremely frustrating and devastating as a small business.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-19

Tuckasegee, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have set up to an automatic check by phone with my mortgage lender TD bank. I have attempted to have this drafted on XX/XX/XXXX, they have lost the paperwork once, and after submitting again, still have n't corrected it. when i call, they say they it was n't drafted because its not due until XX/XX/XXXX, and I 'm paying early. i then explain I 'm paying early so it wont be late, they keep giving me the run around. I have spent hours on the phone with TD bank and cant anything accomplished, phone calls are never returned. Before I started this process, I found out they had mis-applied a payment, and were showing my account in delinquent status, because they posted one of my payments to principal instead of as a payment. I 'm not sure if my account was fixed correctly, since it happened 6 months ago before I caught it.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-19

Lynn, MA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-18

Plymouth, FL

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I contacted TD Bank XX/XX/XXXX requesting an extension to my maturity XXXX. After having paid perfectly for 10 years, I was informed that they were not renewing land loans and could not extend my maturity date. They suggested I move the loan. I informed them this was not possible as other banks were not financing land loans and the property was worth XXXX % of the loan amount. TD Bank suggested that I file a " Request for Assistance '' ( RFA ) package. I obliged and completed the information. They approved a deed-in-lieu ( DIL ) after 6+ months and I requested that either they forgive the residual balance or we agree to terms for the repayment of the residual balance. They refused and the DIL was cancelled. They had me complete the RFA again for a loan extension/renewal. The loan modification was again denied after another 6 months. XX/XX/XXXX I first contacted the CFBP. I immediately received a response from TD Bank. I explained the situation and was told to complete a RFA again. For the 3rd time I completed the RFA. I then spoke directly to a representative and he again informed me they would not extend the loan as they are not extending land loans. I indicated that I understood and would except a DIL so long as the residual balance was forgiven. The representative asked if I was able to make a principal balance if the DIL was approved and balance forgiven. After consideration, I concluded that I could provide an additional principal payment to the bank of $ XXXX. The bank verbally agreed and committed to this action XX/XX/XXXX/XX/XX/XXXX. It is now XX/XX/XXXX and TD Bank is suggesting that they can not abide by this agreement. I have been contacting them repeatedly without success. They continue to indicate that multiple departments are involved. Please provide any assistance necessary as my note matured XX/XX/XXXX. I stopped making payments based upon the bank 's acceptance of the $ XXXX principal offer.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-18

CA

Late fee

Credit card:

Complaint: I had previously written to the CFPB about Target with case # XXXX. At that time, I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX 2015. would like these reversed immediately, including any interest charged in the months since on these disputed fees. The latest frustration is a further continuance of Target 's inability to work with customers who are making good faith efforts to pay their accounts off. The statements are not written until the XXXX or XXXX of each month. I have paper statements, which means I do n't received them by mail until XXXX. Then, payment is due by the XXXX of each month, giving me only about a week to receive the bill then mail out payment. My XXXX XXXX statement reflects this problem. On XXXX XXXX, there was a payment due. Target received its due payment on XXXX XXXX. Target does not offer a grace period, but assessed a late fee, despite the fact I had made a good faith effort to pay, I had paid the previous month on the XXXX, and the prior month I had paid four times the minimum payment due. I got assessed a late fee on both my XXXX and XXXX statements. I guess my problem with this is that I am being billed {$70.00} in late fees over two months despite the fact a payment was made. That {$70.00} is the same fee as if I did n't send in any payment at all. I have been double-billed late fees. I have been trying to pay down this account ( it is leess than {$100.00} due on the account ) but the problem is that Target 's late fees are so expensive, I have n't been able to simply pay off the principal balance because of these out of proportion late fees that Target simply wo n't budge on. It is why I have left Target as a consumer for good.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-17

Temperanceville, VA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I received a report from my ID protection service that TD Bank ( Formerly XXXX ), on XX/XX/XXXX reported to the credit reporting agencies, reported by XXXX that I had filed for bankruptcy on that date and this was described as " potentially negative information. I had been discharged under Chapter XXXX in XX/XX/XXXX and have recently restored my credit score to XXXX by XXXX credit reporting agency. I wrote to TD Bank 's Chairman 's Office and they have chosen to ignore my request to have this erroneous report removed from my credit profile.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-17

FL

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I came thru drive thru at XXXX to drop off XXXX deposits before the bank closes at XXXX because its Saturday and when the worker came up to me at drive thru she did n't even acknowledge me she just opened the metal drawer and pull it back in and walked away. I do n't care if I came at XXXX technically ya 'll are still opened gor another 5 minutes so if she had a problem doing my deposits I can gladly change banks because I do n't need a worker with a XXXX face on dealing with my money. This location is TD Bank XXXX XXXX XXXX, Fl XXXX. I do n't know her name but she is shortXXXX. Deal with her and how to be customer friendly because her customer service is ugly. Thank you and have a nice day.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-17

CA

Other

Credit card:

Complaint: Target card services has a probate claim against XXXX XXXX XXXX. I have asked numerous times for copies of sales receipts and payments to valadate this claim over a 2 years. These charges were made by a care giver without permission and they were unauthorized. I have had no response after sending a letters which explained the situation in XXXX XXXX. I heard nothing back until XXXX, TARGETS 3rd party for deceased processing was going to request Target withdrawal the claim for lack of any response. I week later, XXXX XXXX, I received a call from a fraud representive named XXXX. I again requested sales receipts, explaining that my mother did not make these charges. She asked me to get a police report, which I did. XXXX agreed the charges seemed to be strutured under the amount for sign sales receipts. Though she did not tell me what the amount was. Then she sent me a letter declining the claim without calling me asking if I had additional information or showing me a signed sales receipt or copy of a payment with XXXX signature. I sent additional evidence by fax on XXXX XXXX, XXXX. XXXX never sent any corespondence saying she received it or reviewed the evidrnce. I called last week to complain and again asked for proof she made each of these purchases or any of purchase from XXXX through XXXX. I just received another letter that says the same thing.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

Phila, PA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-16

Billerica, MA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened a TD Premier checking account on XXXX XXXX, 2016, using a special web page offer for a bonus of {$300.00}. I have complied with all of the terms of the offer : I am a new personal checking customer, and I have had a cumulative direct deposit of {$2500.00} or more within 60 days of the account opening. The bonus should have posted within 95 days of account opening, which is today, XXXX XXXX, 2016. It has not posted.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-16

Murray, UT

Billing statement

Credit card:

Complaint: My Nordstrom card did n't process my payment. I got a payment return notice, the bank said there was not a transaction on the date given to me by Nordstrom.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Kendall, FL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-15

Hartford, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-15

Grants Pass, OR

Credit line increase/decrease

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

NJ

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Fort Lauderdale, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-15

Etiwanda, CA

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: Yes Timely Response

2016-09-15

FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: This has actually happened several times to me at TDBank. The bank lets you make a deposit in cash via the ATM. A lot of the times the ATM at several locations will not take a deposit, or shut down at a certain time of the day, almost strategically in order to obtain an overdraft fee. On Wednesday night after work at XXXX I went to deposit money into my account because I knew a payment would be deducted the next day, low and behold the ATM did not work at XXXX XXXX. I went to an alternate location in the downtown area of my city on XXXX XXXX XXXX and the same thing happened. I went home and looked at my account and went to sleep.It had n't been on overdraft status yet. Upon waking at XXXX I realized I needed to make this deposit so I went to the bank again, and the machine on XXXX XXXX was STILL not letting me make a deposit. I then decided to drive XXXX minutes away to another location on XXXX XXXX XXXX. This time it took my money but only to also reveal that it had indeed placed an overdraft on my account. The system seems as if it is set up to potentially harm consumers and wait for any fees they may collect before they actually let you make a deposit. This has happened in the past and I just thought it might be worth looking into.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-15

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: While I was incarcerated between XXXX my neighbor deceided to steal XXXX from my TD checking account The check dated XXXX/XXXXXX/XX/XXXX was written to XXXX XXXX and signed by ( me ) XXXX XXXX ( and was cashed in her XXXX XXXX account ) But I could not have signed I was in jail and XXXX did not have a power of attorney. I reported this to TD Bank when I was paroled, and in XXXX 2014 I contacted TD to obtain a copy of this check I never gave XXXX permission to do this. TD refuses to prosecute XXXX and return the money, there response was " I had 30 days to make an inquiry or lose it '' TD was shown proof that I could not have known, but I have a letter from Investigator XXXX stating this. So I 'm out of the money
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: TD bank branch representatives incorrectly characterized my IRA accounts as being funded with " rollovers '' instead of " direct rollover/direct transfer ''. In effect a XXXX was sent as a distribution and I suffered adverse tax consequences. In addition, XXXX XXXX (? ) the representative in the XXXX XXXX branch of XXXX, NJ did my paperwork incorrectly. I observed that she wrote my social security number on paperwork and left it in an unlocked desk drawer. XXXX XXXX took XXXX-120 minutes to complete the deposits, which she then called hours later to indicate were incomplete. Her message states that she needed additional signatures from me. I was not given a receipt, and she did not assist in correcting the character of the IRA funding source. My funding checks were left at the branch and I have no receipts or funds deposited although there is a 60 day limit to complete these transactions. When I called the branch this morning in response to her message requesting signatures, I spoke w/ her colleague XXXX who said she would look into the matter and return my call. Over two hours later, XXXX called me back and was verbally aggressive right off the bat demanding I come in to sign forms. She said she could not securely email forms to me, then she got angry when I asked to speak w/ the manager. She lied and said there was no manager on duty. When I asked for his name she told me XXXX XXXX then she was belligerent and asked me, " Yo, what 's your problem? '' I was astonished at this reaction, since I had not raised my voice or spoken tersely with XXXX. I asked her to put a manager on the phone and she hung up on me. XXXX failed to correctly explain the differences in rollover types, I believe she completed my applications incorrectly. In addition, my personal information was unsecure and I believe mishandled as she had various printouts and multiple branch employees assist with retrieving them from the printer. Finally, I was mishandled from a customer service aspect and I do n't want to do business with TD bank in effect. I am extremely concerned about the damages I suffered from my accounts being misapplied and am considering seeking recourse.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-15

Patterson, MD

Other

Credit card:

Complaint: This is about my Target Credit Card. In XXXX of this year, I made a payment on my Target card with my checking account. The payment was returned by bank, It was a mistake by my bank. In XXXX I made my Target payment in the store with cash. A week or so went by and the payment was not posted. I called Target credit and inquired as to why.my payment was not reflected. I was told that since my XXXX payment had been returned, they were holding my XXXX payment for 12-15 days. I asked why as the payment was cash. I never did get an answer. I then made my XXXX payment in the store with my debit card ( also a cash transaction ) and again my payment did not show up. I called and was told that since my XXXX payment had been returned, no matter how I make my payment for the next 6 months, it will be held for 12 to 15 before posting. I asked when was this policy made and why did Target not inform it 's customers of this change. The representative told me we do not have to mail you any thing, now you know and hung up on me
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-15

Seneca, SC

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: The IRS has been direct-debiting from TD Bank, monthly, since XX/XX/XXXX/XX/XX/XXXX. Over the past few months, I have been moving from TD Bank to a local SC bank where I can have a joint account with my brother ; our sister ( who is XXXX ) is moving from XXXX to XXXX. I will be her care giver ; my brother has power of attorney and is in control of her financial support ; we have a joint account to facilitate setting up housekeeping, etc. In XX/XX/XXXX, I notified all of the companies that have a direct debit arrangement with me of the change in banks, effective XX/XX/XXXX. I also called the IRS to cancel the direct debit and to start paying online. Because the arranged payment date was 10-14 days away, the IRS person suggested that I keep the current direct debit arrangement ( at TD Bank ) for the XX/XX/XXXX payment and start paying online in XX/XX/XXXX. I agreed and said I would keep a bit more than enough in the TD Bank account, would watch for the payment to clear, and only then would I close the account. On XXXX XXXX, XXXX, I began watching TD Bank for the IRS payment. Monday, XXXX XXXX, was a bank holiday. On the morning of XXXX XXXX, the TD Bank online system showed the IRS payment was " pending ; '' ... the only payment pending ; my bank balance was {$420.00}. I expected the IRS payment to go from " pending '' to post as " paid. '' On the afternoon of XXXX XXXX, the TD Bank online system showed the IRS payment " pending '' as well as a {$190.00} student loan payment " pending '' and a projected balance of - {$160.00} in the account. The student loan company had failed to make the change in bank information. I called TD Bank and asked to stop/refuse payment on the student loan request. They would not stop or refuse the payment because both the IRS and the student loan payments were " pending '' and " could not be stopped '' : " Both are going to be paid and since you are now overdrawn, there will be an additional {$35.00} charge for the overdraft. '' I made it very clear that the IRS payment was most important ; I was assured by the branch manager via the customer service person that the IRS payment " would be paid. '' XXXX XXXX, another direct debit ( also an error in banking info due to my account being transferred to another agent ) appeared as " pending '' of {$170.00} ; the IRS and student loan payments were no longer in a " pending '' status but were posted as paid. The available balance ( which included 'pending ' debits ) showed as - {$340.00}. I was unable to secure reversals or timely refunds from those companies. On XXXX XXXX, according to the online system, TD Bank had reversed the payment requested by the IRS ( after it had been posted as " paid '' ), had rearranged the timing and order of all three drafts, and had honored the other two payments. ( By the way, although this resulted in a positive balance on the account, TD Bank still charged me an overdraft fee of {$35.00}, which takes me back into the red. ) I am filing a complaint against TD Bank for ( 1 ) denying me the right to stop payment to the student loan company even though that payment was unauthorized, saying " pending payments can not be stopped or reversed ; '' ( 2 ) manipulating the timing and the order of drafts ( after the drafts had been posted as 'paid ' ), reversing the one payment of greatest concern to me ( and I had made sure the bank personnel knew which payment was of greatest concern to me and why ) ; and ( 3 ) charging me with an overdraft fee which I do not owe, especially after they manipulated the timing and order of drafts. I gave the IRS my word ; I acted proactively with all companies concerned, as well as the Federal Government, to ensure they had the correct banking information. I believe I handled these issues in the best possible manner.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-09-15

Sabael, NY

Deposits and withdrawals

Bank account or service: Savings account

Complaint: On XXXX XXXX, 2016 deposited XXXX XXXX into our acct. @ TD Bank in the amt. of US {$5400.00}. On XXXX XXXX, 2016, noticed my acct. at TD Bank was debited in the same amt. To date no response after calling several times from either XXXX ( NY ) Branch Mgr., XXXX , or regional supervisor, XXXX XXXX XXXX What to do?. This is plain and simple : XXXX of my funds with no explanation.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response