TD BANK US HOLDING COMPANY

2016-08-23

Mount Holly, OH

Late fee

Credit card:

Complaint: I have a credit card though TD bank called renovate. I was going on vacation and sent my bills out on XXXX XXXX. I received my next statement and they had charged me a {$28.00} late fee. The rest of my bills had all posted on XXXX XXXX. My statement says allow 7 days for payment. Not 7 business days, 7 days. They charged me a late fee on the XXXX. My account stated it was due on the XXXX. It cleared on the XXXX of XXXX. I called about the late charge date and the explanation that if the due date was a weekend, they would drop the charges. How does it take them 14 days to process my payment when my other bills processed in 5 days. This company is running a scam to fatten their pockets. I have now closed my account because of their shady business dealings and now they are probably going to send a bill for the full amount. We wonder why the middle class is struggling. All I wanted was for them to drop the fee and not use my " one time '' fee removal. How many other people have they scammed.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-22

Okc, OK

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-22

Shalimar, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-22

MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Stopped payment from checking account on XXXX XXXX, 2016. TD Bank went ahead and accepted payment on XXXX XXXX, 2016. When payment was returned they charged me a {$35.00} overdraft fee. When I objected to this fee they refunded the fee because they were in error. Now they are trying to slip by another fee, a maintenance fee, because when they processed the stopped payment the account also went below the monthly minimum balance. I object to this scam as it is clearly a way to extract additional fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-22

MA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: The payments I counted on to meet my budget was confirmed by the bank. It was not until later that I was made aware that the payment had changed to an amount that I can not afford. All documentation that was given to me when I signed the mortgage showed a payment of {$1000.00} And that payment would be barley manageable but I could budget for that amount. The new payment that they are requiring is not affordable. Had I known what this new payment would be before the closing, I would not have signed the loan. I do not want to lose my childhood home and am looking for someone to possibly help me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-22

WA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XX/XX/XXXX, I received a statement from Target stating I owed {$1000.00}. I had not used the Target card since XX/XX/XXXX and our account was paid in full, I immediately called Target. I checked my wallet and my Target card was gone. It was apparently stolen sometime between XX/XX/XXXX when I received a new card and XX/XX/XXXX when it was used. I filled out their affidavit of unauthorized use and the charges were reversed. However, Target has taken the stand that since the PIN number was used, I am responsible for these charges. This was a NEW card. I had never used it before. I have no idea how the PIN number was used. I have always signed for my Target card, I never once used the new chip technology card. I have sent t them proof that I was n't in the city where the charges were made but apparently they have n't bothered to look at the proof. They are determined to find me at fault. I did not use my card on the dates they provided me, I am // am not responsible for these charges and I am not going to pay them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-20

Newark, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have XXXX accounts with TD Bank. Select savings and checking accounts. I requested to link both accounts with the savings with the highest amount. I also requested for overdraft protection so that when ever the checking went low, funds would be taking from the savings when I made purchases. The savings account always had over {$1000.00} in it. I have been unfairly charged overdrafts fees over {$1500.00}. My branch has refunded about {$600.00} and says I have to make a report to get the remainder of {$900.00}. From the corporate head office. Apparently TD BANK is known for that and have several people tell me they have similar issues. My concern is I always had funds in my savings account so I do n't understand why I will be charged overdraft fees whiles both savings and checking connected. Please help me get the refund of the remaining amount which is {$950.00}
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-20

Colts Neck, NJ

Other

Credit card:

Complaint: Target is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-20

Itasca, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-19

Newnan, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have submitted many claims to XXXX with regards to this Target account reporting on my credit file. This account was stolen and fraudulent transactions took placed. Please remove this account from my credit file. I have submitted Fraud Affidavits to Target and to XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Washington, DC

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

So Effingham, NH

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Troy, MI

Shopping for a loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-18

Matteson, IL

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-18

Brick, NJ

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Rochdale, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-17

Poughkeepsie, NY

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I called TD Bank and asked how much it would be to protest a check tat their customer wrote since he has refused to come into pay for it. After keeping me on hold for over fifteen minutes they informed me that they do not protest checks. In New York we need to protest a check before we can go to the police to try to recoup our loss
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Key Biscayne, FL

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX/XXXX/16 at approximately XXXX XXXX I tried to deposit {$300.00} in cash at the TD Bank drive up ATM in XXXX XXXX. The ATM malfunctioned & displayed a message " please wait ''. After some time grinding mechanical noises coming from the ATM & it returned {$150.00} of my deposit & kept {$240.00} within the machine along with my card. My wife was in the car at the time & we immediately used her card to get a mini-statement to ascertain if the {$240.00} had been deposited to the account. The statement read only {$0.00} dollars were deposited ( transaction # XXXX XXXX ). We called the ATM helpline printed on the machine XXXX. After 30mins on hold we hung up & decided to visit the branch when it opened at XXXX. At XXXX we spoke with the branch assistant manager who told us to continue to call the number again as " there was nothing they could do '' in the branch. After calling the TD Bank helpline XXXX & on hold for XXXX we eventually spoke to XXXX & explained the issue. TD Bank opened a REG E claim & we were told the investigation would take up to 10 business days. After 10 business days elapsed we called the TD Bank helpline & were told our claim was denied as the ATM showed that we had deposited {$0.00} & this money had been correctly credited to our account. I explained to the operator that the resolution was wrong & they needed to reopen the XXXX XXXX claim. I also explained that the ATM was not equipped to take coins. The operator explained that the case was closed & at this point I requested to speak to a supervisor. The operator put me on hold for XXXX mins then came back on the line stating that the supervisor required a new case be opened & further 10 day investigation take place. I explained to the operator that this was unacceptable & the case should be reopened immediately & addressed quickly as I was accruing interest charges due to TD Banks error. I asked to speak directly with the supervisor. The operator put me on hold & then immediately hung up the call. Being sick of TDs telephone customer service I revisited the XXXX XXXX XXXX to resolve the issue in person. On XXXX/XXXX/16 the assistant manager I spoke to understood the problem & that the TD Bank resolution was incorrect, & advised they would expedite reopening my case. I was told to expect a call back within 24hrs. On XXXX/XXXX/16 at XXXX after having no call back I called the branch. I was put through to the assistant manager who advised me that the ATM department was looking into the issue & I could expect a call back on Monday XXXX/XXXX/16 with the resolution. Monday & no call back. Tuesday came, no call back. I tried to call the bank & asked to speak to the manager, I was told they were with a customer & I should call back later. I requested that the manager call me as soon as they were finished with the customer & left my details. I never received a call. Wednesday came & the assistant manager called me. They explained that they had located the malfunction in the ATM & that it was around {$260.00} & I could expect the amount to be credited within the next few days & they would call again to confirm the case was closed. On XXXX/XXXX/16 after having no contact from the XXXX XXXX assistant manager I called the TD Helpline again. After being on hold for 20+ mins I was told that the case was reopened but would n't be responded to for 10 business days. I explained that the ATM malfunction had already been found & asked to be transferred to a supervisor to resolve the issue & expedite my claim. The operator put me on hold & then immediately hung up. On XXXX/XXXX/16 my balance shows TD Bank has corrected my account by {$130.00} not the {$240.00} their malfunctioning ATM seized. It is clear that nobody at TD Bank cares about this issue, or even remembers that I entrust them with my hard earned money. Neither do they care about the fact I am accruing finance charges.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-17

Lewisville, TX

Credit determination

Credit card:

Complaint: Target REDcard declined my application for a credit application and was declined based on the annual income and credit report. I noticed that when the Target cashier was filling out my application, she input my income as {$12000.00} and never asked me to input my income. The only thing I was able to provide was my ID and input my SSN into the Target POS terminal. My income is much higher than what she input and should have easily qualified for a Target REDcard. My complaint is that this cashier likely did the same thing to other customers who were asked to fill out the card and they all will be declined by Target. All of their credit will get pulled by Target and applications rejected because of how this cashier processed their applications.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-17

Nyc, NY

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX XXXX i was charge to my bank account {$170.00} XXXX XXXX XXXX DEDUCTIBLE XXXX XXXX XXXX XXXX PA {$170.00} I never gave no Authorization for this merchant to charge my debit card for this amount and i file a dispute with TD BANK and they Have Denied the Claim cuz they said that no error occurred and TD Wants me to provide additional documents that i really do n't have at the moment please help me with this situation this is fraud i and the bank closed my debit card and they gave me a replacement debit card for this transaction wont occur again. TD Bank they are not really helping me to get this issue resolved i never authorize them to take money out my account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-17

Boston, MA

Credit determination

Credit card:

Complaint: I am respectfully requesting that Ally Banks processes be verified in regards to discriminating against lawful residents that are not U.S Citizens. I have experience discrimination in several degrees throughout the process of applying for accounts and a credit card with Ally Bank. I have never experiences any issue with other banks as my credit report portrays me as a reliable borrower, however, Ally Bank requested verification documents to prove my identity. After I sent my non-american passport along with documents proving that I am a U.S resident and bank account statements, Ally Bank still rejected my application. Every time I have reached out to have the situation analyzed, they have simply submitted my application for reconsideration without any updates or changes to their decision. I have been made very upset when agents would state that Ally Bank is an agency for U.S citizens alone as a I know that should not be the case. If you have any information that may be helpful to me, I would appreciate it very much. XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-16

Flushing, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Newington, NH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-16

Itasca, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: Over the course of the past 2 months, I have unable to secure the refund of approximately {$640.00} in overpayment on a vehicle loan I 've had with TD Auto Finance. TD Auto Finance has not disputed the owed amount but has used numerous tactics to keep delaying the refund. 1 ) My vehicle ( XXXX GMC Sierra ) was traded in 3 months ago ( XX/XX/XXXX ) 2 ) At that XXXX TD Auto Finance was contacted about the loan payoff due to a trade-in for a XXXX Subaru at XXXX XXXX in XXXX XXXX IL. TD Auto Finance was presented with my home address, which was different from the temporary address I had at the time of purchase of the XXXX Sierra in XXXX XXXX. 3 ) One month later ( XX/XX/XXXX ) TD Auto Finance automatically deducted another monthly auto payment of approximately {$640.00} because they claimed my loan payoff had still not been processed ( Even though my trade-in had occurred a month later ). I was told that as soon as they processed my payoff, I would be sent any amount of overpayment due me. 4 ) By XX/XX/XXXX I still had not received my refund and upon calling was told that it takes a few weeks to process the check but that it was about to be sent out.. 5 ) On XXXX XXXX I called TD Auto Finance again to say that I had n't received my check and when I asked where they had sent it to, was told that they sent it to my previous address ( they had not bothered to update my account information when informed in XXXX XXXX ). They said they would correct it immediately and send a check out to my correct address. 6 ) On XXXX XXXX, XXXX I called TD Auto Finance again and learned that NOTHING had been done since the XXXX XXXX call - none of the actions TD Auto Finance said they would do had been acted on. They said that their notes aid that this was forwarded to upper management for expediting but it appears no action was taken.I told them that this is unacceptable and the agent ( XXXX ) stated that she would have the check that was sent out to the wrong address cancelled and that a new check will be sent to my correct address. She also stated that this would take 15 days. I complained that this time frame ( given the previous circumstances ) was unacceptable but she said that there was noithing she had the power to do. She also said that they can only send the check by regular USP mail and that no electronic ACH or courier service was available. I told that I made all my payments on time via ACH debit and that they should be able to reimburse via the same method. She stated that they ca n't. She also told me that they have no ability to notify me when the check will be sent or to provide me any notice along the process. I find this business policy TOTALLY UNACCEPTABLE and it flies in the face of any spirit of equity in the consumer finance sphere. At best, I hope that the CFPB can something to move this process along ( this company obviously makes it a policy to take advantage of the consumer and public at large ). I also hope this serves as notice that TD Auto Finance, while it may or may not be conducting itself legally, it certainly is unethical in the way it deals with it 's customers. XXXX XXXX.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-16

VA

Other

Credit card:

Complaint: i am not request for credit card from target company on XXXX/XXXX/2016, on my credit report they showing HARD in quire on that day can you please help me to dispute the report because i am ready have the debit card for target i do not need that card thank you very much for you support
Company Response: Closed with explanation

Disputed: No Timely Response