TD BANK US HOLDING COMPANY

2016-08-30

Flushing, NY

Advertising and marketing

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-30

Okeechobee, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-30

Queens, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Whenever I put my money in my bank, it seems the money gets recorded as next day 's transactions ; It does not matter whether transaction is cash or check or mixed items. I keep getting filed overdrafted because of this. This should not be happening. I also get charged monthly fee every time because of this.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-29

New Bedford, MA

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-29

Wallington, NJ

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-29

Concord, IN

Disclosure verification of debt

Debt collection: I do not know

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

Disputed: No Timely Response

2016-08-28

TX

Transaction issue

Credit card:

Complaint: I got a target credit card approval while checking out of a Target store XX/XX/2015. My first bill was {$110.00} which I used the phone payment plan to pay in full on XXXX XXXX, 2015. I did not hear a thing until the next month when they sent me a bill with an additional fee attached. I called and spoke directly with a person calling herself XXXX who told me that the bank refused the payment due to incorrect account number being submitted by the company. It appeared they left out a single zero. I corrected the checking account number error with XXXX who repeated it back to me correctly. I authorized the payment again over the phone. I checked my back account and sure enough the amount I just authorized to be paid to Target was pending on my account. Figuring a mistake is a mistake I charged another {$100.00} on the target card. This time I paid on-line, and my payment appeared to be accepted. However the next month I was changed a late fee again and again my payment had been decline due to inaccurate bank account submission. I typed the account number in myself and it was correct. I have been charged well over the total amount of my charges for late fees all of which various representatives claimed to have removed. I called and spent a great deal of time of the phone with yet another representative I had and still have names of employees, their ID numbers, dates and even payment confirmation numbers. I walked painfully through my practices which included submitting paper checks after payments by phone, I even have letters from my financial institution verifying each time a payment was declined the amount was in my account however was not released because TARGET submitted the wrong number. Please realize that I have a debit card with target that is directly connected to this same account. I had made payments by paper check that indeed when through, I had corrected my account information with XXXX employees. I walked through the math with the last person I spoke to according to both our math I should have had a credit. While speaking with the last Target employee I asked my credit card account be closed I have submitted the same request in writing. The last employee I was on the phone XX/XX/XXXX my dispute would have to be reviewed by the accounting department. This accounting department was supposed to contact me by phone with in three business days but I work during business hours and requested a message to be left or an e-mail to be sent instead. I was assured I would receive both yet I have received neither. I have yet another bill with another balance made up not of fees and charges for non-payment. I am not about to make another payment to this account that should have been closed months ago as it seems the more I pay the more I owe. This crooked company is effecting my credit score which would be good if not for my dealing with Target Red cards unsavory business practices I can not believe any company in business can be this incompetent. I surmise they purposefully submit incorrect bank account numbers to financial institutions for the purpose of holding credit accounts open and charging various fees and interest. Had they gotten my account number correct I would have paid the entire balance of my first change of {$110.00} immediately in XX/XX/XXXX. My XXXX change of {$100.00} would have been paid in full after two billing cycles therefore minimizing the amount of money they would have made on my account. Incorrect bank account number submission for payment after multiple corrections over the phone, via the internet, use of paper checks and I even have a Target debit card which takes money out of my bank account just fine is a highly unlikely coincidence and a more than likely shady business practice which should be illegal. I should not be charged for their mistakes.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

NJ

Account opening, closing, or management

Bank account or service: Cashing a check without an account

Complaint: My fiance and I go to td bank on XXXX in XXXX NJ every week. It seems like every week we have an issue and it never gets any better. The store management along with the store employees need to have a serious talk about the way they treat us customers. Today we go I there XXXX and we have to wait as usual. The wait is constantly never ending it feels. After waiting for already 20 minutes another couple comes in and waits as well. The guy XXXX comes right over and asked if any one needs a notary. My fiance tells him yes we need an endorsement release. XXXX says " one of the ladies can do that for you. '' And then asked if the other people who JUST walked in would join him at the table. I felt totally neglected once again by td bank.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-27

IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Chrysler Financial placed a repossession on my credit report when in fact it was a dealership error. On XXXX/XXXX/XXXX I leased a XXXX Chrysler 300 ( Acct # XXXX ) from XXXX XXXX dealership in XXXX, XXXX. Upon the lease end date ( XXXX/XXXX/XXXX ) I spoke with the lease end department and was informed that since I made my first and last lease payment when I picked up the vehicle, I could just take it to any dealership at the turn end and owe nothing. On XXXX/XXXX/XXXX I dropped the vehicle off at XXXX ( see attached Chrysler Financial Inspection Report attached ) and returned home. On XXXX/XXXX/XXXX I received a call from a woman name XXXX that was in XXXX. XXXX stated she was from a repo company and was looking for the vehicle. I informed XXXX that I turned the vehicle in back in XX/XX/XXXX. XXXX stated it was not unusual for this to happen and she would call the dealership and give me a call back. XXXX immediately called me back and informed me that she had located the vehicle at XXXX 's and it had been sitting there for 5 months. Since then year after year, dispute after dispute, I have been unsuccessful in getting Chrysler ( Now doing business as TD Auto Finance ) to remove a charge-off/repossession from my credit. I have disputed this with as XXXX credit reporting agencies ( XXXX, XXXX, XXXX ) with included documents of proof, and each company refuses to remove the negative item from my report. I returned the vehicle, a few weeks late, but the it is not my fought that XXXX 's let the vehicle sit on that lot for 5 months and failed to notify Chrysler. Now I have suffered for that mistake and error. On top of that the reporting entries on my credit report are in error, misleading, and in consisted. For these reasons and others, I have ask the reporting agencies to remove the items and they refuse. I am requesting that Chrysler dba T.D. Auto Finance immediately remove any entry they made from my report. Also I request they be held responsible for sending notification of their error to each and every company that I have obtained or attempted to obtain credit from over the last 5 years.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-26

ME

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: XX/XX/2016, my bank started a real time account record. Meaning that purchases and transfers etc would be done in the order they are made. No problem. Overdraft charges were not mentioned in this change. I had accidentally overdrawn a couple times after the new policy and within the hour of the overage happening I covered it and did n't get a fee. Between XX/XX/XXXX and the XX/XX/XXXX my brother was dating an employee of the bank. They broke up and they have a legal issue pending between them. Her friends at the bank make us both feel uncomfortable with dirty looks, but nothing more. I brought in some of the employees belongings to her at my brother 's request, I took them to her work because I do n't know where she lives. Just days after I overdrew by {$1.00} and some change, within 10 minutes I covered it. They charged me the overdraft fee, I paid even though I thought it was unfair. They then charged me a fee for transferring from my savings too many times using the app. Stating that had I physically was in the bank I would n't have gotten the charge. I had bills coming out of the account and had enough to cover them with a few dollars left, but that charge put me over yet again. I paid to cover it and received yet another overdraft fee. I called and they denied any unfair charges where none existed before. I told them the fee is to pay them for covering and compensating what I overdraw and ca n't cover, but that is for a 24hr period or more, not 10 minutes. They claim that all banks do this and I should do my research, I said you are the only one that does n't allow until the end of the day. As for the online transfer they claim it 's state policy to charge the account holder for transferring the account holders money between accounts, I find it fishy. I had no problems until I brought in the persons belongings. It was no time until my account was being attacked when I had never had any issues before.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-26

Indianapolis, IN

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-26

Aspen, CO

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-25

Leh, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Naperville, IL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-24

Wilmington, DE

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-24

Bluffton, SC

Incorrect/missing disclosures or info

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-24

Phila, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-24

Sandy Hook, CT

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: I had XXXX home equity line on property A, for several years, and had a balance of approximately XXXX in XXXX 2014. I purchased another property ( property B ) for which I paid cash and I moved into it. For months I worked with TD bank to close the LOC on property A and take out an LOC on property B to pay off the XXXX XXXX Property B appraised at XXXX and I have a credit score over XXXX. I sold property A and had to find cash to close the line on property A all due to sheer incompetence at the local office ( XXXX XXXX XXXX, XXXX, CT ) working with an agent named XXXX and a Manager named XXXX XXXX. XXXX XXXX no longer works for TD bank. I finally secured the LOC by working with a women in their corporate office in New Jersey named XXXX. I had to close on the LOC at the local branch on XXXX XXXX XXXX, XXXX CT, again with XXXX and XXXX XXXX. At that time XXXX XXXX seemed to take all the credit for obtaining this loan for me, which he did nothing, and while XXXX tried I am not sure he ever knew what he was doing. At that time I expressed my concern about all the lost time on my new LOC, as I was worried about running into prepayment penalties. XXXX XXXX conveyed to me that if should become the case we could work something out. I received nothing in writing. I signed the documents, opened the new line, and now I have closed it 16 months into a 24 month commitment. They charged me the full {$450.00}, I tried to, work, it out with them, but between being on hold for hours, telling my story over and over, the new ( as of 5 months ) branch manager at the local branch told me to go pound sand. I am extremely frustrated at their lack of continuity, respect for customers time, incompetence in creating this situation in the first place, and unwillingness to try to reach any sort of amicable solution. I do not know if I have any legal grounds to stand on but certainly want them as well at the banking commission to know of my displeasure. Thanks
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-24

Bronx, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I had a XXXX money order stolen from the mailbox in 2014. It was deposited in and cashed at TD Bank. I have been trying for almost 2 years to get my money back from the bank. XXXX has sent TD Bank several letters with proof that it was stolen but the bank has been ignoring the letters. I have contacted the bank and they refuse to give me the money back. I am inclosing all of the correspondence between myself, XXXX and the bank.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-24

Paterson, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Under the intentional moves of fictitious overdraft fees without the account showing any negative amount balances and the negative cooperation to resolve all discrepancy issues by the TD Bank at XXXX XXXX XXXX, XXXX, NJ XXXX representatives, assistant manager, also store manager ; home branch for my account, where I was forced to present this complaint seeking for a fair resolution without the need of taking the problem to the higher law enforcement institution. I do understand the bank account terms, regulations and fees that are applied accordingly without the conditions that now are reflected since XXXX " OVERDRAFT Fees '' the ones provoked individually by a bank personal. As seen on the first evidence from the oldest date to the most resent, without any negative balances showing from the beginning date XXXX followed by deposits and withdraws without any negative balances as showing at the far right side of the overview statement where on the XXXX is a {$35.00} overdraft fee to a balance of {$220.00} follow by {$170.00} total fees on XXXX to a balance showing as {$450.00} provoking by the missing balance, a negative {$63.00} after the XXXX schedule debits for another {$70.00} overdraft fees that was reversed accepting the mistakes at the branch and trying to cover up an excuse to keep the {$170.00}, but not returning the prior unjustified fees of {$210.00} still missing at the present balance. Expecting a branch solution from the assistant manager : XXXX XXXX, who presented the issue to, I believe, the branch manager : XXXX XXXX without any positive result and followed by a chain reaction of more fees showing on evidences XXXX, XXXX, XXXX and XXXX for the fees total of : {$860.00} where I kept making deposits to maintain a positive account balance with the money I do not produce with my job, plus falling behind on my billing obligations due to this branch negligent where also the manager in question : XXXX XXXX who also likes to make moves with the given excuse of bringing the account holder attention under fictitious balance or false amount created on the account since a 2013 issue that provoking fraudulent duplicates to single deposit of {$2900.00} on a no funds check that was only to be returned, for a false amount by XXXX XXXX : creating intentionally a false negative balance of {$12000.00} on XXXX which is another unresolved old issue of another total of up to : {$210.00} that was followed by only a XXXX courtesy correction of only {$35.00} refunded, excuse to avoid accepting the wrong, as showing on XXXX of the evidences XXXX, XXXX and XXXX ; prior manager that have been removed or replaced today by XXXX XXXX XXXX who was supposedly to be contacted by XXXX XXXX, the last representative contacted about the {$170.00} case on a last attempt to peacefully seek for a solution to stop all the adding fees caused by the same missing {$170.00} that was refunded after the {$750.00} additional fees taken due to the time the wasted for this refund late correction and today keeps adding to a missing balance now of {$960.00} and growing, I got in contact with XXXX XXXX XXXX who also ignored by refusing to see the consequence that the delay for a solution that was created for the missing {$170.00} from XXXX to XXXX, for another bank personal that does not want to get back with a repaired result, time is running, plus I can not stop my payment obligations that are causing more fees!!! Hoping for fair result, I do offer my gratitude in advance ...
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-23

Jamesburg, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-23

Brooklyn, NY

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-23

Spencer, MA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-23

Manhattan, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-23

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response