TD BANK US HOLDING COMPANY

2016-09-15

Fort Pierce, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: As per the included statements I emptied and closed my account ( # XXXX ) with TD Bank on the XXXX of XXXX 2016 in response to their inability to provide competent service. At that time I demanded that the account be closed immediately and was assured by the branch manager on site and the attending teller that this was the case. Post closing of the account I am being advised by TD Bank that there are charges against this account pertaining to the US-XXXX exchange differential. This check was deposited on XXXX XXXX 2016 in the amount of XXXX. This deposit was made, as I have always understood to be done, with and exchange rate differentials being applied at the time of deposit otherwise the transient exchange rate would not be applicable do to the variance over the deposit process interval. I believe this to be a clear demonstration of the gross incompetence of the this branch and possibly TD Bank in general. I spoke at length with the TD Bank Overdraft Collections Department ( XXXX ) who advised me that the problem originates with the TD Bank branch I dealt with and that resolution attempts must be directed to this branch. I withdrew all funds and closed my TD Bank account because of the incompetency of the people in that branch and the failure of their administration to recognize the problem. As such I see no reason to believe the people at this branch are any more competent now than they were XXXX/2016 when I closed the account and contacting them would be futile. For what it is worth the exchange rate on the day of deposit was approximately XXXX US/XXXX. . This is not accurately represented by the {$2400.00} depicted in the statement again providing an indication of the incompetency of this institution. It is and always has been my understanding that when an account is closed it is no longer subject to any further transactions. I seek your assistance in this matter and will refrain from any contact with TD BANK until I hear from you. Thank You, XXXX XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-14

Cheverly, MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: This complaint goes in hand with Complaint # XXXX filed XXXX XXXX. Yesterday I made a deposit in order to ensure no overdrafts occured on my account. Last night when they posted, they posted the DEBITS first ( reason to assess an OD Fee ) and posted the credit last. I truly am convinced they are in the business of fee collections from their customers.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-14

Danbury, CT

Sale of account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-14

Washington, DC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XX/XX/XXXX, I put a stop-payment order on a check I wrote. The fee I paid for this service was {$30.00}. Then on XX/XX/XXXX, the check was deposited by the recipient of the check, and my bank paid it from funds in my account. There are XXXX problems with this. First, I paid to cancel the check and the bank did not honor that order. ( I was later told the stop-payment order expired after a year, but I was never informed of this. If I knew, I could have renewed the order. ) Second, the bank accepted a stale check 17 months after it was written.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-14

Beechview, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-13

Wdbg, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-13

Downingtown, PA

APR or interest rate

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-13

Citrus Heights, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-13

District Heights, MD

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-13

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Gloucester City, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had TD Bank checking account for long time and this account is charge off on j XXXX XXXX when I call and find out why is charge off. I find out TD bank line of credit was doing ach on XXXX which I did not tell to do ACH. line of credit was saying if I have any time retan the payment we cancel the ACH which is my payment was XXXX on XXXX XXXX after that stop doing ach on my account and a auto ACH start aging from my account on XXXX which bank do n't have any paper work. I do n't use this account from last year so I do n't check. without my knowledge how do I know bank doing ACH. now is charge off account and I do n't mind to pay the original amount but I can not pay any fee bank charge after wrong ach done. please call me for more detail. now recovery department was saying branch manage can refund all fee. when I call the branch manage she was saying she can not do it because of charged off account. I just want to get refund the all fee from bank charged to this account after XXXX XXXX and I will pay my balance to bank not any fee.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-13

NH

Excessive fees

Other financial service: Check cashing

Complaint: Received a check from a customer of mine. Their check was from TDBank for {$86.00}. So I went to TDBank to cash it, thinking that is where it was drawn ... TDBank was going to charge me a {$7.00} fee to simply cash the check! When I gasped, they told me this is an industry-standard fee! Not at my bank! For people unfortunate enough to not have a bank account, this is highway robbery!! There should be somewhere people do not have to pay a " poor tax '' just to get access to their own money! I personally bank with XXXX, the oldest credit union in the US and they have NO FEES -- other than overdraft fees, but theirs are among the lowest in the industry and they offer an even lower fee option when you link your savings to your checking. They offer all kinds of online banking, a smartphone app for mobile banking, great customer service, local and national discounts on insurance, travel, and other perks, convenient locations to me and travel support, so I know where to bank less expensively when traveling outside the US. So far I love everything about XXXX and would never bank with a such a short-sighted, fee-first company as TDBank!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

San Diego, CA

Delinquent account

Credit card:

Complaint: I I paid my credit card in full I desputedit done of the dates on my report in return they melodiously attacked my credit report updating it to a ton of days late I have not owed XXXX penny since 2013 abs the account was closed. They opened it and launched a attack on me! Melisously destroying be trade line for negative impact the scout was paid in full I owed not XXXX penny in 2013 when I paid it they said they delete it would would be in my good credit lhistory as paid as agreed
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-13

Seneca, SC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Hello, I opened a checking account online with TD Bank ( This is the first and the only account with this bank ), the next day XXXX/XXXX/2016 I stopped by the branch in my town and made a check deposit for {$5000.00} to the account. Today is XXXX/XXXX/2016 and I still do n't see the money in my account even though it is showing that the money already been released from the other bank. what I see is only a {$100.00} available, when I logged in to my account on Sunday the XXXX/XXXX/2016 I saw they put ( Pending - {$9700.00} ) on the account, and when I called their customer service, the lady told me that they put a DOUBLE HOLDING on the amount of the check, and claimed it was a mistake, and took her around 20 minutes to fix that mistake. when I called their customer service on XXXX/XXXX/2016 they told me that they can hold the money up to 12 day, then I called again and spoke with a supervisor and she told me they can hold it up to 8 days. My concern is about all that process they doing with holding the money that long, is it legal? * The check amount is {$5000.00}. * The post a double holding on it. *It passed 3 days since the deposit date, and the supervisor told me that I need to wait 5 more days. *everyone in their office telling different info ( some saying they can hold it up to 12 days, other say up to 8 days ). If you can advice me what to in this case to protect my money, I will be thankful. Best Regards
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-13

Colts Neck, NJ

Billing disputes

Credit card:

Complaint: I had a {$5000.00} credit limit with TD Bank for over 10 years. I was late on paying my account and they lowered my credit limit to {$500.00}. That lowered my credit score and now looks bad. I was n't even 30 days late.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-13

Shirleysburg, PA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: In XXXX XXXX i make deposit in my acount TD Bank transaction {$100.00}, {$100.00}, {$110.00}, {$60.00} total $ XXXX, 2016 time XXXX balance was {$360.00} TD Bank overcharge XXXX XXXX XXXX XXXX 2016 and XXXX XXXX 2016 no explanation.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-13

SC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have been banking with TD Bank for approximately two years. I knew from the beginning that they were nothing but a bunch of crooks. They expect their customers to keep a specific balance in their checking account. I talked with the manager at the TD bank in XXXX about the {$15.00} service charge based on the balance. He agreed that it was not appropriate and refunded my money. It is my money and not this bunch of crooks. They took {$15.00} out about two months ago and I complained. They refunded the money. Now they have done it again and overdrew my account. CROOKS. I will change banks just as soon as my SS check is deposited. I hate the legal crooks that banks are. They provide no services.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-13

NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Got a loan at XXXX. Signed up for intellipayment to take payments out every 2 weeks. The loan was with TD bank. XXXX sends them payment every 2 weeks with automatic deduction. Since the day we got the jeep every 2 weeks payments were taken. XXXX sent XXXX payment later than TD banks payment date. XXXX only sends payments on Fridays and this was not the correct day. TD bank should be aware of this since the are signed up to participate in the program. TD bank has called, and sent letters and are harassing me every day about late payment threatening to ruin my credit. We signed up for auto deductions so we do not have to deal with this. I can prove every payment has been taken from our bank account and TD bank refuses to acknowledge this. I am tired of calling dealer, TD bank and XXXX and they all blame each other. At this point if TD does not fix this error, I am going to get a new loan, and not use them or XXXX again. We have had another vehicle on the same program for over 3 years before trading in without any problems and also a truck with no issues. TD bank refuses to fix this error and I need help. They are trying to get another payment which we do not owe and say every payment is late when it is not. I have the payment schedule from XXXX and also can show every 2 weeks payments were taken out. I will never use TD bank again and at this point if they ruin my credit- I will be suing them. I XXXX XXXX took out the loan for my granddaughter XXXX XXXX and the payments come out of her bank account. She is on the XXXX account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-12

Murray, UT

Communication tactics

Debt collection: Auto

Frequent or repeated calls
Complaint: TDAutoFinance and another company that they employ call me 3 times a day to collect an overdue payment. I have already told one of their representatives that I would be able to make a payment for 15ish days, yet they continue to call me 3 times daily. I consider this to be a very XXXX tactic and I am considering permanently blocking all their numbers ...
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-12

Loehmanns Plaza, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-09-12

PA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I have an ATM card issued by TDBank. My ATM card IS NOT a debit card ( does not have a XXXX logo ). I noticed that my ATM card stopped working on XXXX/XXXX/16. I went into my local branch and spoke with XXXX XXXX XXXX [ XXXX ] and she told me that the TDBank network that processes ATM cards ( not debit cards ) was out of service. She could not give me an ETA on when the network would be back up. Today ( XXXX/XXXX/16 ) I tried to use the ATM card but it still is n't working. I would like to know when the network will be back up or if TDBank is not longer supporting ATM cards.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-12

Boston, MA

Customer service / Customer relations

Credit card:

Complaint: I submitted an application for a credit card with Ally Bank Credit Card Services. I provided documentation related to bank statements and other identifying documents. In this files, my legal name was listed and the department decided to use a misspelling of my name after several calls requesting the information to be corrected. I have reached to a XXXX, a supervisor at the department that remain unable to be respectful about my issues with having my name miswritten on banking documentation. I had to fax legal documents stating my name and the issue has not yet been resolve and they refused to issue a new credit card after a supervisor promised that a replacement card would be issued. I believe this all furthers their racism and discrimination to people from diverse families and that it violates my rights as an applicant and a client.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-12

NJ

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: TD Bank has a TD GO Card. They started charging inactivity fees. They reversed the fees initially and said they would be charged within 12 months. XXXX the supervisor refused to fix the fee.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-11

MI

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Correspondence with Diamonds International ( DI ) began XXXX XXXX, 2016, it is now XXXX XXXX, 2016, with still NO resolution. It has been a runaround of emails with DI, having me jump through their hoops to basically 'stall ' me or 'wear me out ' I believe. I purchased an item in good faith and was 'taken ' for {$6200.00}! TD is the issuing bank for my Diamonds International credit card. On XXXX XXXX, 2016, I purchased, in good faith, a single Crown of Light diamond, XXXX ctw, which was originally part of a set of earrings ( Referral XXXX, XXXX XXXX, sold by # XXXX ). Your store in XXXX ( # XXXX ) put this into my wedding ring. I have your appraisal and paperwork listing the USD value of this XXXX earring 'stud ' alone, at {$9200.00}. I opened a DI credit account and have been paying on it since. My local jeweler is a certified in diamond grading, XXXX and a member of the XXXX XXXX XXXX. She was shocked at the price I paid for the Crown of Light diamond I now have in my wedding band. Her original appraisal of my ring ( complete set ) was {$5200.00}. ( My original setting is valued at {$2500.00}. ) The DI Crown of Light diamond I purchased ( originally part of an earring set ) alone was 'valued ' at {$9200.00} according to the DI " appraisal '' I received when I purchased it. ( The reason I had it appraised when I did was because my home insurance carrier required an appraisal which included ring and new stone. Initially I 'trusted ' the DI store, XXXX XXXX and " XXXX XXXX '' XXXX shopping consultant who 'approved ' this purchase as being legitimate. ) DI response : " Our Terms and Conditions ( located on the back of your purchase receipt ) state that the diamond would need to be appraised by an independent gemologist or appraiser, whose sole business is appraisals only and does not buy or sell jewelry, and a copy of the appraisal must be submitted for review within 30-60 days after the date of the purchase. Since your purchase was made on XXXX XXXX 2016, you are unfortunately out of the warranty time for 3-4 months. However, I would like to know if you completed a formal written appraisal with your jeweler. " XXXX XXXX, DI Customer Service Representative. To say I was shocked and angered is a complete understatement. I was emailed an 'approved ' list of DI 'appraisers ' which INCLUDED JEWELERS! This makes absolute no sense to me! I contacted a jeweler from the DI website who was near ( yet XXXX hours ' drive away ), who appraised the DI Crown of Light diamond alone at {$3000.00}. This appraisal was rejected by DI ( because it does not mention the XXXX of XXXX cut XXXX even though the jeweler is listed on their website as a contact. I was told to obtain yet ANOTHER appraisal by someone they recommended ( a jeweler! ). I contacted one of the once again 'approved ' DI appraisers/jewelers who indicated that the XXXX XXXX cut is very similar, and was sent copies of similar diamonds with prices for comparison sake. The Crown of Light diamond I purchased in XXXX was coming in about {$3000.00}. The 'appraisal ' I received when I purchased the diamond is, therefore, {$6200.00} INFLATED! Of course, this all takes time since the customer representative must 'check ' with her manager first. I recently learned that my claim was actually closed on XXXX/XXXX/2016 and we were still corresponding!! I have so far contacted DI, XXXX XXXX XXXX, the DI credit card and its issuer ( TD Bank ). No one has been able ( or willing ) to resolve this issue. XXXX insists they can not do anything as the purchase was not made on their ship, yet their 'shopping consultant ' " XXXX XXXX '' held a formal presentation with fellow cruisers on board in a lounge at an appointed/scheduled time, of what shops to do business with, AND was present during this purchase ( and approved it ).
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-11

Columbia, SC

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: On XXXX XXXX, 2016 I made a online purchase at XXXX for a HP Envy XXXX All-In-One Printer. On XXXX XXXX, XXXX XXXX received an electronic transfer from my bank in the amount of {$57.00}. On XXXX XXXX, 2016 I received in the mail the wrong printer. I received a HP Envy 4516. The start up disc that accompanied the Envy 4516 was for a Envy 4510 which according to the download error messages was only compatible with Windows 8. I ordered the the 4520 because the product description on XXXX stated that it was compatible with Windows 10 of which I run on my computers. The packing slip that accompanied the wrong computer identified XXXX as the company placing the order and shipping the item. On XXXX XXXX, 2016 I spoke with XXXX customer service representatives from XXXX. They each said that XXXX was not responsible for the item and I needed to send the item to XXXX who is listed on the XXXX website as the sold by company. On XXXX XXXX, 2016 I spoke with XXXX Manager, XXXX of the Corporate Escalation Division who stated that XXXX was not responsible for the product. According to the XXXX Return Policy : Items purchased at XXXX XXXX be returned to the store or by mail, unless stated otherwise in the list of exceptions below ( there was no list of exceptions stated in this return policy ). Items must be returned in the original manufactured package. Items purchased from a marketplace retailer ( I did not purchase the item from a marketplace retailer ) can not be return to a XXXX store or XXXX ; item must be return back to the marketplace retailer. I had no purchase interaction with XXXX, do n't know if it exists. XXXX took full responsibility as the company processing the order and shipping the order via email contact to me. According to XXXX Terms of Use # XXXX : By purchasing a product by any of our marketplace seller you acknowledge that all orders will be fulfilled by the marketplace retailer and not XXXX. Well my item was not fulfilled by XXXX nor any other marketplace retailer because XXXX did not engage in any purchase transaction transfer with me. XXXX did. Just like XXXX, XXXX and XXXX, are third party sellers in the XXXX stores I have purchased their items in the store and returned to the XXXX store when there was an issue with the item. As a XXXX customer I deserved to be given the same precedent that is used to satisfy their other customers as well. I wish to take the printer back to the nearest XXXX store and receive my refund the same as XXXX was received transfer funds prior to me receiving the printer.
Company Response: Closed with monetary relief

Disputed: No Timely Response