TD BANK US HOLDING COMPANY

2016-08-15

Hollywood, 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

2016-08-15

Greenville, SC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-14

Finksburg, MD

Delinquent account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-12

Melbourne, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-12

Flushing, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I recently received {$100.00}, in unfair overdraft fees from TD Bank due to the fact that when I went to make a deposit at the XXXX XXXX, NY, TD Bank branch, that location 's ATM 's were both not working at all and because of my very painful left knee and right elbow, I just could n't walk or take public transportation to another branch ( please refer to the attached XXXX XXXX, NY, TD Bank ATM related pictures and medical documentation ). Also, to this date the all of the written information relating to the new overdraft related changes implemented by TD Bank, still have n't been delivered to me by email, USPS or any other type of mail delivery service. TD Bank has failed greatly to send me all of the new written information on TD Bank 's overdraft related changes and because of the lack of full knowledge regarding those same overdraft related changes, I continue to received unfair, non-merited, abusive overdraft & monthly account maintainance fees on my checking account. TD Bank has unfairly charged my checking account a grand total of {$480.00} to date, while at the same time they still have n't provided me with anything detailing or explaining 100 %, of all of their unexpected or unannounced overdraft related changes that TD Bank has so unfairly implemented on their XXXX and low income American customers. I do n't care if TD Bank explains to or sends me XXXX % or XXXX % or XXXX % or XXXX and a half %, of the facts/terms and conditions associated with the overdraft related changes because it was and still is my right as an American consumer, first and a TD Bank customer, second, to have all of TD Bank 's new overdraft related changes and associated facts explained to me 100 %, before they took full affect. What I ca n't fully understand or comprehend is that anytime, in the past, whenever I had an overdraft fee related problem or issue with TD Bank, their managers, supervisors or representatives from the President 's Executive Office to customer service, would always and endlessly quickly state the following to me ( this could be heard on every recorded conversation I ever had with anyone at TD Bank, TD Bank always and endlessly records all customer service related phone calls ), " Those were the overdraft fee terms and conditions you agreed to when you signed your agreement with us, at TD Bank. '' So now what, TD Bank no longer believes in that statement???? How can TD Bank endlessly use that same statement as part of their defense against my past overdraft related disputed fees and now, still charged me a total of {$480.00} in overdraft ( XXXX ) and monthly maintenance ( XXXX ) fees, when I have n't been sent or given 100 %, of all of the new information regarding all of TD Bank 's new overdraft fee related changes????? TD Bank 's own written, scripted and above referenced double standard overdraft fee related statement is totally an unprofessional, unfair, unacceptable and a conniving illegal business practice to criminally ripping off the XXXX and low income people of the United States!!!! In the past, before any new changes were made and implemented by TD Bank, when I had 100 %, knowledge of TD Bank 's old overdraft fees terms and conditions, TD Bank always used their above referenced overdraft fee related statement as a defense tactic whenever I disputed any unfair and conniving bank error related overdraft fees, that were charged to my checking account and now TD Bank is totally ignoring their own written, scripted and above referenced overdraft fee related statement and are now still charging me overdraft fees with them well knowing that I have n't received or been sent 100 %, of all of TD Bank 's new information regarding all new changes with TD Bank 's new overdraft fees terms and conditions. I 'm so glad that XXXX different XXXX XXXX Law Firm have and XXXX XXXX XXXX might, join forces as XXXX to file a class action against TD Bank, for same.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-08-11

Washington, DC

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-11

Nyc, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-11

VA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: XXXX/XXXX/16 I got email from my bank about person to person transfer {$2000.00} was originated to a person by name XXXX XXXX, the transfer was scheduled to go out the next day. I immediately called TD bank tech support line and told them it is fraud, I do not know the person and never originated the wire. TD told me they stopped the wire, they blocked online banking login and gave me 100 % assurance my money are safe, transfer stopped. But the next day money went out and were in pending status, I called again, TD again said they give me 100 % guarantee my money are safe and will be back on my account in 2-3 days. on XXXX/XXXX/16 my money left my account for good. I called TD again, they put all the blame on me, finally transferred me to fraud department. I also filed a police report locally. TD bank did not do anything to stop fraud money transfer originated from my account, they let the transfer to go thru, now they refusing to give me my money back, telling me I must wait 2 wks for their investigation, and even after that, they say no money back guarantee. It can not be that someone hacked into my online banking like the bank says because that someone was acting and changing the transfer data after TD completely blocked my account from online access. It is totally TD fault
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Naples, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-11

Northbush, NY

Problems when you are unable to pay

Consumer Loan: Personal line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-11

Astrodome, TX

Advertising and marketing

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-10

Meridian, AR

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-08-10

Carrollton, TX

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-08-10

E Fairfield, VT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Phila, PA

Making/receiving payments, sending money

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-09

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-09

Longmont, CO

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

Oakland, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-09

FL

Payoff process

Credit card:

Complaint: I got a credit card from Target to avail of the retailer 's discount for 5 % off. I then went online to set up my account and set up automatic payments using their website, specifically because I was going to be travelling out of the country with limited access to emails. Unfortunately, I did not take any screenshots of this ( which I should have ). I was out on a long international vacation and when I came back and checked my mail, I saw that the account was overdue and I had to pay late fees and interest charges. I work in technology, so I 'm pretty confident that that I set up the automatic payment according to instructions on the website. I strongly suspect that Target is doing something devious so that they can charge late/interest fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-08

White Hall, PA

Delinquent account

Credit card:

Complaint: I was 2 days TWO DAYS late paying a charge of aprox {$150.00} on my Target Red Card. The Target company sent me a NEW card with NEW numbers and the payment I sent ( on time ) was returned and did not get credited to the new card number. When I saw this I called Target, got new number and sent payment via my bank account to pay the balance due. Target told me they would happily waive the aprox {$35.00} late fee at that time. To this date they have NOT waived the fee. They are adding a late fee each month and now threatening me with Debt collection for late fees one a XXXX balance account. Target originally was supposed to waive the first late fee when the new card number payment mix up happened. I have spoken to Target MANY times about this and I am done trying to deal with them. They are now having people call me and harass me through collection agencies. I 'm pretty sure it 's illegal ( or it should be ) to keep adding late fees on XXXX balances and trying to collect them. If it was my fault that the payment was late I would have paid it- Please contact them and clear this up for me. They owe ME money for time and stress and harassment. You are welcome to check my credit information for ALL my accounts that you will see are paid on time. Thank you. XXXX XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-08

So Effingham, NH

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-08

IL

Delinquent account

Credit card:

Complaint: I am reaching out in reference to an earlier complaint that I filed - XXXX. Target indicated that they would go back and correct any negative information on the credit report- and that has n't happened as of yet. I called Target and they stated the information was sent the credit bureaus and I should see an update within the next few days. I waited another week and it still has n't happened and it 's now XXXX XXXX. Again, working in the lending industry, this should have been corrected by now if they had processed it.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-06

Brooklyn, NY

Customer service / Customer relations

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-08-06

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I went to TD bank at XXXX XXXX XXXX, XXXX, NY XXXX planning to open a checking account. The associate that assisted me, XXXX, put the wrong address and e-mail in the system while assisting me to open a convenient checking account. Since the information she put in was incorrect I requested her to edit the information she put in. She refused to correct the information she typed in and forced me to sign the documents. So, I refused to sign the documents since she put in the wrong address and email. The whole process was frustrated and waste of time.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-08-06

Grosse Ile, MI

Billing disputes

Credit card:

Complaint: I purchased an Ultra HD TV 4K XXXX '' Flat Screen from Target in XXXX, 2016 by applying for a credit card and had this item charged on this card with this company. The first statement would start in XXXX, 2016 and the monthly payments will occur on the XXXX of each month. The Initial balance was {$600.00}. The minimum payment amount is {$25.00} of which I paid $ XXXX/month before the due date for each month that I paid. I would say that my payment was made around the XXXX of each month for each payment. I was never late and never made the payment on the due date, which is XX/XX/XXXX. The payment was always made before the statement due date. I noticed on the second statement, which was XXXX/XXXX/16, that I was charged an interest rate of {$10.00} and after XX/XX/2016, I was charged an interest rate in addition to paying a $ XXXX/payment which is XXXX % of what the minimum payment which was required. Listed below are the monthly payments made and the interest charged : XXXX/XXXX/2016 {$100.00} paid {$0.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$10.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$9.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$3.00} interest charged XXXX/XXXX/XXXX {$100.00} paid {$5.00} interest charged XXXX/XXXX/2016 will pay balance of {$100.00} {$3.00} interest charged This last payment will pay the balance in full. Calculating what the final balance is, which Target says that I owe {$140.00}, I still calculate an additional charge of {$10.00}, which is in addition to the {$3.00} interest charged listed above. I should only owe {$100.00} not {$140.00}. I believe that Target is double charging me interest on this item. It is my understanding that the interest rate, which is 23.15 % is to be included in the minimum payment of {$25.00}. However, I am paying $ XXXX/month and I should not be charged any additional interest fees. In addition I am paying before the statement due date and especially when I am paying over the minimum amount due/month. When I asked the customer service rep and talked to a manager and asked where is this additional interest fee is coming from especially when I am paying XXXX % over the minimum amount they provided information that did not make any sense. Therefore, I am requesting that the total of {$42.00} or any additional interest rate at the time of this final payment be removed from my account and I should only owe {$100.00} balance on this bill due XXXX/XXXX/2016. And I am asking to investigate Target regarding this double-dipping of interest fees being charged to myself and possible other potential customers. I am not sure that other customers are experiencing this but it needs to be investigated.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response