TD BANK US HOLDING COMPANY

2016-09-10

Lower Makefield, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-09

Phila, PA

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-09

Alexandria, VA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Boston, MA

Making/receiving payments, sending money

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-09

Billerica, MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX I made a " CASH '' deposit of {$500.00} to my TD Bank account. An hour later I made a transfer of the same amount {$500.00} from my account to another TD Bank account. TD Bank is telling me that even thought the deposit was made before the transfer and it was CASH, the deposit was not available until the next day which made my account OVERDRAWN and they charged me a maintenance fee. It sounds like a robbery to me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-09

Worcester, MA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-09

Orion Twp, MI

Incorrect information on credit report

Credit reporting:

Account status
Complaint: The auto loan with TD Auto Finance has been fully satisfied but reported negatively. It is inaccurate based on a settlement agreement stemming from a lawsuit I filed against TD Auto Finance. I am requesting that the item be removed promptly or reported to the credit agencies in accordance with the settlement agreement. I recently received the original copy of my retail installment contract indicating a paid in full status. I recently pulled all three credit reports showing the {$9400.00} as written off. I am requesting this matter be thoroughly investigated and fix or delete the disputed item as soon as possible. I have made contact with TD Auto Finance 's credit dispute department and have not received a response or an indication on my credit report that the incorrect information is being disputed. I also have not received any update on the actions being taken by the credit bureaus regarding their investigation. I am currently in the process of trading in my car and am unable to purchase a new one with a reasonable interest rate because of the derogatory mark on my credit report. My credit score dropped XXXX points overnight when TD Auto Finance reported the account status negatively.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-09

NJ

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: TD bank gave us a mortgage commitment in writing days before closing. When the day of closing arrived we were told, no it is not a firm commitment UNLESS you take out a line of credit for XXXX with them, open a checking account with them and close certain credit cards. All of this on the day of closing. We did not have a lawyer with us at closing, just realtor. They held the mortgage hostage basically on the day of closing until we agreed to these terms. We should have walked away but we did not. Our furniture was on struck, utilities were called, our former home was sold.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

Oceanville, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-09-08

Phoenix, AZ

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-08

N Hollywood, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-08

Kiryas Joel, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Ridley Park, PA

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-07

Oxford, GA

Customer service / Customer relations

Credit card:

Complaint: I GOT MY ALLY CASH BACK XXXX CREDIT CARD ON XXXX XXXX. I HAD GIVEN MY CREDIT CARD ACCOUNT TO XXXX FOR MONTHLY PAYMENT. XXXX WAS TRYING TO TAKE MONEY ON XXXX XXXX, BUT THIS BANK REFUSE THEM. AL THOUGH I ACTIVATE THIS CREDIT CARD IN XXXX.BUT THIS BANK HOLD MY CREDIT CARD ACCOUNT WITH OUT INFORMING ME. I DO NOT THEIR CUSTOMER SERVICE. THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. ALTHOUGH, I MADE PAYMENT ON THEIR WEB SITE ON XXXX FOR FIRST STATEMENT FROM MY CHECKING ACCOUNT. THEY CAN NOT CONFIRM MY PAYMENT. THIS BANK DID NOT TOOK OUT MONEY FROM MY CHECKING ACCOUNT AS OF XXXX. GENERALLY, CREDIT CARD BANK TOOK TWO TO THREE DAYS TO WITH DRAW FROM OTHER CHECKING ACCOUNT. BUT THIS BANK TOOK MORE THAN A WEAK. THIS CREDIT CARD WAS ISSUED BY TD BANK, NEW JERSEY. I DO NOT APPRECIATE THEIR CUSTOMER SERVICE AT ALL.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-07

TX

Other

Credit card:

Complaint: I paid a TD Bank ( Target Credit Card ) judgement in 2014. They evidently filed a XXXX for a portion of the balance. I did not receive the XXXX and as far as I can tell they never even made an effort to sent it to me. The did send it to the IRS. I just received a letter from the IRS with my income adjusted for the additional amount and it made me owe {$560.00} more in taxes. I feel that I should have received the XXXX so I could include it on my tax return. This came out of nowhere and I was not even sure it belonged to me as I had no knowledge of an account with TD Bank until several phone calls and transfers later and I finally spoke to someone that said it was a Target card and then I knew what it was about.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-07

Bancroft Hall, MD

Billing disputes

Credit card:

Complaint: I was overcharged an insurance premium ACH on my Nordstrom XXXX Card. I 've had my card for 12 years and never disputed a transaction before now. Customer service told me to download and print ( print! ) their dispute form, fill it out by hand and fax it ( FAX???? ) to them. They will review it within 30 days. I 'm disputing over {$2000.00} and this is how responsive they are.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Indianapolis, IN

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-07

Sandy Hook, CT

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-09-06

Newnan, GA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-09-06

Manhattan, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Bayview Garde, IL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: TD Bank has been locking me out of my savings and checking accounts if I do n't complete a transaction at least every 6 months. They claim the are protecting me by assigning the account an " inactive '' status. THEN, in order to get it activated, I have to call their XXXX number and fight with them to prove my identity. NO personal data, PIN, or ATM card number is sufficient ( SSN, DOB, account number, nor are ATM transactions, past checks, or other evidence acceptable ). ONLY an electronic debit of some sort is acceptable to prove my identity, OR a trip to a bank branch and a wait for a bank officer. Since I can not log in, I can not obtain that information, which, by definition has to be more than 6 months old Even though I get printed statements, they 're often buried in boxes, and finding the particular type of information -- if it even exists -- is darn near impossible. Their phone staff is adamant, however, including their Supervisors. Going to a branch is sometimes impossible if I am traveling in a city where they have no branch services. I have quite a few accounts with TD Bank, and in some, a fair amount of funds on reserve. Are they allowed to deny me all access to my funds because I have not used an account for 6 months plus 1 day? That seems illegal. Other banks that I do business with use a 1-year inactivity threshold, AND they are more reasonable and realistic and professional when dealing with them. I am an older person, and using my accounts less and less, so I think TD Bank is preying on older Americans for whom in-person banking can be a tremendous challenge.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-06

Clermont, FL

Billing statement

Credit card:

Complaint: I wanted to report a SYSTEMIC DECEITFUL PRACTICE OF TD CREDIT CARD SERVICES. While a majority of the credit card companies out there, send you alerts before the payment is due, TD CARD SERVICES DOES NOT SEND ALERTS BEFORE PAYMENTS ARE DUE BY EMAIL ( THEY DO N'T ALLOW EMAIL ALERTS, FIRST PROBLEM, THEY DO IT ON PURPOSE TO MAKE PEOPLE LATE ON THEIR PAYMENTS ) ; BUT EVEN WHEN YOU GO ON THEIR WEBSITE TO SET ALERTS ( WHICH IT SELF IS A COMPLICATED PROCESS, WITH ALL SORTS OF MATHEMATICAL OPERATIONS, AT LEAST TO THE LAY PERSON ), THEY GO BACK IN THERE, AND DELETE ALL THE ALERTS YOU SET UP. SO IN EFFECT, TD CREDIT CARDS DELETES ALL THE ALERTS YOU SET UP ON YOUR TD ACCOUNT ( ON THEIR WEBSITE ), INCLUDING PAYMENT DUE DATE ALERTS, TO DELIBERATELY MAKE PEOPLE LATE ON THEIR PAYMENTS. I RECEIVE ALERTS FROM EVERY OTHER CREDIT CARD COMPANY A FEW DAYS BEFORE MY PAYMENT IS DUE, EXCEPT FROM TD CARDS ; THEY PURPOSELY REFUSE TO SEND OUT ALERTS, THEY SAY THEY ALLOW YOU TO SET IT UP ; BUT WHEN YOU SET IT UP, WITHOUT YOUR PERMISSION, THEY GO INTO YOUR ACCOUNT AND DELETE THOSE ALERTS, BECAUSE THAT 'S WHAT HAPPENED TO ME ( I REMEMBER SETTING IT UP, THEN HAVING IT DISAPPEAR, I 'M ASSUMING, THEY 'VE DONE IT ON PURPOSE, BECAUSE IT SEEMS CONSISTENT WITH THEIR OVERALL BUSINESS PRACTICE, BUT NEEDS TO BE INVESTIGATED FROM YOUR PART TO MAKE SURE, IT 'S NOT AN ISOLATED INCIDENT ). I HAVE LOST HUNDREDS OF DOLLARS, BECAUSE I GET NO CORRESPONDENCE FROM TD BANK AS TO WHEN MY PAYMENTS ARE DUE! I AM NOT SURE HOW THIS CORRUPT COMPANY IS ALLOWED TO OPERATE IN AMERICA, BUT THEY NEED TO BE HELD RESPONSIBLE FOR THEIR WRONGS!
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-09-06

Eskridge, KS

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: For all practical purposes, tdautofinance makes it impossible to make payments directly to principal ( extra payments for that purpose ). On my first attempt, i mailed the payment with the notation on the check AND a detailed instruction on my desire to apply it to the principal. this never happpened. after several calls ( LONG call waits -- more than an hour before i got through ) they said 'no one reads notes with the payments -- just call us next time ). eventually this did get applied to principal ( with MUCH work ). I recently attempted to make another extra principal payment. I called them ahead of time to tell them I was going to do it and submitted in online while on the phone. They said they would take care of it, but for good measure, i used their website to message them about the phone call i just made, restating my desires to make a PRINCIPAL payment ). A week later, it 's evident that this money was not applied to principal, but to more than a year of payments. this is messed up. I believe this is a deliberate effort on the part of this company.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-09-06

Coral Springs, FL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: TD BANK COMPLAINT XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX My father in law is doing a refinance with TD BANK. He was dealing with a XXXX XXXX, and his Loan Officer Assistant XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX, FL XXXX. UNETHICALLY and in violation of RESPA Documents were sent to my father in law, by email from a XXXX XXXX, a XXXX and other items which are filled out incorrectly. My father in law paid for an appraisal already which is wrong because he never signed documents in reference to this refinance. The XXXX shows the loan as a primary residence which is wrong because it 's an investment property, and its showing my father in law, cash to close of {$2800.00}. The loan amount is wrong and is deceiving to show a LOWER loan amount of {$180000.00} even. Page XXXX of the XXXX, the DECLARATIONS section XXXX is filled out incorrectly. The loan amount is wrong and shows a much lower amount which is deceiving. Documents were sent by email BY XXXX XXXX and loan officer assistant to XXXX XXXX. The email enclosed by PDF documents to sign, which included a XXXX. This is wrong and is out of compliance per RESPA. My father in law paid for an appraisal before ever E-SIGNING or receiving document 's for the refinance. I have attempted to call XXXX and speak with a manager but no one is calling me or my father in law back. XXXX XXXX has not been able to be reached by phone. I have spoken with a XXXX XXXX who has been rude with me as well, and has prevented me from speaking with a manager also. It seems to me everyone within this location is protecting each other and no one wants to take responsibility for this UNETHICAL behavior.
Company Response: Closed with monetary relief

Disputed: No Timely Response