TD BANK US HOLDING COMPANY

2016-07-14

Jamaica, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

South Florida, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: TD/TARGET ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you TD/TARGET or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : TD/TARGET or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-13

Newark, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I 've been dealing with major overdraft charges every month from my bank and I. Any understand that every month my account is almost XXXX in the negative every month. For the last two to three years my account has never been possible longer than 2 months without occupying late fees and overdraft charges. I 've spoken to the bank reps and I 've visited my local branch.im reaching out to cfpb to see if they can dig deeper into the account and help me to start saving my money instead of just giving it away freely back to the bank.TD bank is one of the worse banks I have ever dealt with and I 'm ready to just close all my accounts and put my money in a credit union.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-13

Waupun, WI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-12

P J S, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Lawrence, MA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-12

Calumet Park, IL

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-11

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-11

Marcy, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-11

Washington, DC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-09

PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I closed my account in person at the XXXX, NJ TD bank branch months ago. Then a month later I received a statement in the mail showing I had a negative balance for account # XXXX. I called and spoke with a representative and they assured me they fixed the error and I would not receive anymore such statements. Today I received another statement for this account showing a negative balance of XXXX dollars due to maintenance fees on an account that was supposed to be closed! I do n't know what else to do!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-09

CA

Late fee

Credit card:

Complaint: I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX XXXX would like these reversed immediately, including any interest charged in the months since on these disputed fees.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

Palm Bch Gdns, FL

Deposits and withdrawals

Bank account or service: Cashing a check without an account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-08

East Rockaway, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: On XXXX XXXX, 2016 my aunt passed away who had XXXX bank accounts with TD Bank. Prior to her passing she told me that me & my son were named beneficiaries to all XXXX accounts plus others in other banks. On XXXX XXXX, 2016 my son & I went into the TD XXXX XXXX, NY branch to claim the accounts. We were told by the customer service rep that we were not the beneficiaries & that there were none listed & that we would need to go to XXXX Court to get Letters of Testementary to be able to get any information on these accounts. Since these accounts were totaling over XXXX we had no choice but to hire a Law Firm to handle the estate. The law Firm had to contact all immed family member plus the witnesses to the will & this caused much hardships for me & my son. After 3-4 months I was finally named Administrator of my aunts estate & given the paperwork from the NY XXXX Court that was needed to handle TD Bank. I went into Td Bank in XXXX XXXX, NY XXXX after leaving my lawyers office to close out these XXXX accounts & I requested to see all beneficiary forms attached to these accounts. At 1st the customer service rep tried telling me I had no right to see them, even with my letters of Testementary from the XXXX court. I called my Lawyer XXXX who did not agree with the bank & the Rep went to confer with the Bank Manager. He then came back & apologized that an error occurred. And showed me there in fact were Beneficiary forms for all XXXX accounts & that me & my son were the named beneficiarys. The original person made an error. I informed the bank of the Legal expenses I occurred from their mistake & told them I wanted to be reimbursed for those expenses ... They handed me a check made out to the estate of my aunt at that time as well, even after finding out there were in fact beneficiaries. They contacted their legal department & said I would hear back in a few days. My lawyer made me go back & demand payment to the beneficiarys as that is how payment should have been applied to begin with. The legal department 2 days later agreed to make XXXX checks to the beneficiaries and replaced the checks correctly. The legal department requested that my lawyer send them an invoice for services rendered for the estate. Which he did. They further asked for documentation of all work conducted & paid on the estate. Today my lawyer called me to say TD banks legal department decision is to not pay my legal fee 's incurred by their mistake and is trying to say that I would have needed to go to probate anyway and refuses to pay me my legal fee 's for their error. I can only imagine it is due to seeing her will which nothing actually passed thru, which we sent them a copy of. There is nothing else in the estate as all the other bank accounts were named beneficiaies to me and my son, her house was owned as rights of survivorship with me. I am filing my inventory with the XXXX court next week that has a XXXX balance of inventory as there is nothing in the estate.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-08

Chapel Lakes, FL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-07

Saint Clair, MO

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-07

Coconut Grove, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD bank is charging multiple overdraft fees totaling to {$170.00}. The bank account never went negative on there balance transaction sheets. I do n't see how this legal. I have attached a pdf of the account. I need this to be resolved.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-07

Boston, MA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Brookside, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-07-06

N Monmouth, ME

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Hello, I have a home mortgage with TDBank. I desire to make additional payments toward principal on this loan. They do not allow you to do this -- either through electronic banking or through automatic funds transfers from other banks. They force you to call a separate mortgage department and process for each transaction individually ( or mail a separate payment each month ) thus putting up a barrier to the consumer regularly adding additional principal payments and thus shortening their loan term. I found it annoying and revealing that they call additional principal payments " Curtailment '' payments and not principal payments. In short, no one could give me a way of having additional principal payments added on a recurring basis. This seems like a passive way of ensuring that the consumer has barriers up against prepayment and should be against the law in my opinion. None of my other mortgages operate in this way there is complete transparency of how many payments I have left and I can pay down principal electronically any time I want from any account I have.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-07-06

Irving, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-06

Muncy Creek, PA

Other

Credit card:

Complaint: TD Bank received payment for our credit card and wrote a completely different credit card account number on the check, thus the credit card is now default and reported late to the credit bureaus.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-06

Erie, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: In XXXX 2015 I received a promotional offer for credit card from TD Bank. Despite the fact that, I never missed any loan or credit card payment on time and that I had cash in the bank of about XXXX times the credit card limit, the crdedit card was denied. TD Bank then reported this to the credit agency seriously damaging my credit score. I am now at the point of asking for financling of new home and this action of TD Bank will make my credit more expensive. My request to the Bank for removal of the note from all credit agencies has been answered " the Bank is unable to retract the record ''
Company Response: Closed with explanation

Disputed: No Timely Response

2016-07-05

Cold Spring, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-07-05

Phila, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response