TD BANK US HOLDING COMPANY

2016-06-30

Hack, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-29

Knickerbocker, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

N Monmouth, ME

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-29

Fort Worth, TX

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-29

Brooklyn, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: I was applying for a {$500000.00} HELOC on an investment property with TD Bank. I was conditionally approved based on the information I provided on the application pending review of the docs. They came back with a counter offer of {$25000.00}, saying that they have to keep the DTI below 43 % according to the banks guide lines. I 'm well below 43 % and certainly meet to banks guidelines, and I provided the additional proof they had requested for some of the income that was n't considered - after providing all docs trying to prove that I 'm far below 43 % DTI - they denied the application all together because my rents are being paid, and my mortgages paid using a 3rd party - they were clearly aware that the rental income will be filed under my personal tax return ( they asked for clarification ) since these properties are all being owned and financed personally.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Paramus, NJ

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Muhlenberg, NJ

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

New Britain, CT

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-28

Jacksonville, FL

Forbearance / Workout plans

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-28

Portland, OR

APR or interest rate

Credit card:

Complaint: I opened a XXXX XXXX jewelers credit card in XXXX XXXX that had a 0 % promotional APR for 12 months, and a credit limit of {$3500.00}. I charged the account to {$1000.00}. I did not receive any billing statements for months, and when I went to the retail store in question ( XXXX XXXX ) in XXXX XXXX, the employee there told me that I did not owe a payment, but that once I did, I would receive a statement in the mail. I received no statements in the mail. In XXXX XXXX I reviewed my credit report and saw that late payment information had been accumulating on this account since I opened it. I called the bank ( XXXX, in this case ), and they confirmed that all mailed statements had been returned to their office, and that I had not received them. I promptly made a {$300.00} payment on the account to bring it into good standing. They agreed to remove all the late fees that had accumulated. I then asked that they reinstate my original credit limit, and remove the derogatory payment info on my account, and they asked that I make this request in writing. I have done so, but am looking for support from the CFPB to ensure that I am treated fairly in this case, because I received my new statement recently, and noticed several issues : 1. The bank had removed late fees, but changed the promotional 0 % APR period to XXXX/XXXX/XXXX from XXXX/XXXX/XXXX, which they did not mention to me on the phone. The amount of {$170.00} was charged as interest for that month. 2. The bank began charging late fees in XXXX XXXX, even after having received my monthly payment on time in XXXX, and waiving the late fees for previous months. 3. The bank changed my payment due date from the XXXX of the month to the XXXX of the month, also without notifying me of that. 4. Every time I attempt to have a phone conversation with the employees of this bank, I end up getting the runaround, being transferred to multiple departments, often times from XXXX department to the other back and forth repeatedly.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-06-28

Columbus, GA

Credit line increase/decrease

Credit card:

Complaint: I was without phone access during a XXXX XX/XX/2016 and missed a credit card payment through TD Bank. I set up an automatic payment but it never went through. When I returned, I fixed the situation by calling card services and they waived my interest fee and my late fee. Since, on my credit report it still says that I have missed payments which I had waived. I have called card services to try and get everything taken care of and they are not helping to get this removed off my credit report. Also, TD card services sent me a letter in the mail lowering my credit from XXXX to XXXX because I used my card too often. The reason I used my card to often is because in XX/XX/XXXX I had some identity theft on my debit card and live no where near a branch office to get a new one so the advisor told me to use my credit card that I paid off just as it were a debit card. I have kept up with this card making double payments repeatedly and this is severely effecting my credit.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-27

Barrett Parkway, GA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-27

Elmhurst, NY

Advertising and marketing

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-27

Chester, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-27

Paterson, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-27

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-27

Lake Ridge, VA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-27

Flushing, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: PART 1, TO BE CONTINUED IN PART 2 : When I signed up at/with TD Bank I only physically signed one agreement that only stated and I agreed to that if my checking account was overdrafted after XXXX, of any given day of the week, I had until XXXX of the following day to bring my checking account current and out of its overdraft status or otherwise I would be charged and receive an overdraft fee of {$35.00} for each appropriate overdraft transaction in my checking account. Being a very low fixed income Social Security XXXX and SSI monthly recipient due to my XXXX and XXXX status, I found this arrangement within the only agreement that I signed with TD Bank to be a very excellent arrangement. Then one day, about a month ago, after XXXX, my TD Bank checking account went into an overdraft situation and as I regularly and normally did, I made a deposit into my TD Bank checking account before XXXX, which quickly brought my TD Bank checking account out of its overdraft status so I taught at the time that I had done what I had agreed to do with TD Bank as per the only agreement I signed with TD Bank. Then the following day, to my surprised I received an overdraft fee of {$35.00}, which shocked me greatly and then to add insult to injury, when I called customer service, I was told that the overdraft fee portion of the only agreement I ever signed with TD Bank, had been totally eliminated and changed. I was totally uninformed, unaware and clueless of the overwhelming overdraft related elimination and change that took place at/with TD Bank, in one very quick second, America 's Most Convenient Bank had become America 's Most Inconvenient Bank. The customer service representative quickly informed me that a TD Bank mass mailing of a date sensative letter had been mailed out to all of its customers, a letter which explained the overdraft related eliminate and change. A letter I was never sent or received so when the TD Bank customer service representative explained the entire situation to me and she reversed/refunded the {$35.00} overdraft fee to my TD Bank account, I informed her that I did n't like or accepted these unfair changes. To this day I still have't received the original or a copy of TD Vank 's so called mass mailing letter. I 'm still very disturbed about how TD Bank, had pulled the rug from right under my feet so I recently expressed my concerns to the XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I never signed anything stating I accepted, agreed with/to or honored that overdraft related eliminations and/or changes. Then last Friday, out of the blue, I received a surprising and much welcomed call from my local Congresswoman 's office and a highly powerful and profiled XXXX XXXX lawyer that had been forward my concerns, along with over XXXX other low fixed monthly income Social Security XXXX and XXXX recipients, that live all over the United States. To the lawyers surprise, we all shared XXXX thing in command, TD Bank 's totally uncivil, unfair, discriminating, while also taking total advantage of endless XXXX Americans and their families receiving very low fixed monthly income related direct deposits from Social Security XXXX, XXXX and/or their local state agencies. The lawyer informed me that XXXX other XXXX XXXX related law firms and his own personal XXXX XXXX related law firm were all going to team up to filing a class action lawsuit against TD Bank soon and that he would like for me to one of the many XXXX Americans and/or low income families that XXXX other partnering XXXX XXXX law firms together with his own personal XXXX XXXX law firm are going to be totally and fully representing in a US Federal court.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-06-27

FL

Credit card protection / Debt protection

Credit card:

Complaint: On XXXX XXXX, 2016 at XXXX I was solicited to open a credit card account at Nordstrom Department Store . The account was opened and my purchases of {$3400.00} were approved. On XXXX XXXX, 2016 around XXXX I checked my credit report. To my dismay I discovered my credit score dropped drastically. My newly opened Nordstrom account is 244 % or {$2400.00} over the credit limit. How can I be approved for this purchase and my credit damaged by opening a Nordstom account and using it without any knowledge of my credit limit?
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-27

Whipple, OH

Fees

Prepaid card: General purpose card

Complaint: I had a REDcard acct that I only used at XXXX time, and I do n't think I had used it since XXXX of XXXX. I purchased a birthday present for my grandson on XXXX XXXX, XXXX. I went to pay, the clerk asked me if I wanted to use my REDcard, she said i 'd get more of a discount on that purchase, so I said, " Okay. '' That was a mistake. I charged {$25.00} on XXXX/XXXX/XXXX, then shortly after that, my son-in-law had an on-the-job accident that was XXXX, and my XXXX year old grandson was sick for weeks XXXX. They are both mostly fine now. But during that time, I was rarely even getting the mail out of the mailbox, let alone opening it. I was a basket case, and almost never home. So finally, my life returns to some normalcy and on Friday, XXXX XXXX, I open this bill from REDcard stating I owe {$120.00}. I called Target Card Services to ask them to forgive one or two of the late fees, but they say the OCC prevents them from forgiving any of the late fees, plus, if I close it without paying all the late fees the late fees will continue to stack up, another {$35.00} each month, even though the account is closed. I talked to XXXX and told him i wanted to close the account. Then I went straight to the US post office and mailed them a check for {$25.00}, along with a letter detailing what had transpired, and reiterated that I had asked for the account to be closed on the phone with XXXX on XXXX/XXXX/XXXX. I felt like they were strong-arming me, as if i was involved in a case of extortion. I just could not believe they would not waive at least one of the late fees. I actually thought what they were telling me was illegal. So now I intend to find out if what they are doing is in fact legal.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-26

Grangeville, LA

Other

Credit card:

Complaint: I did not receive my credit card statement in the mail from Target for the time period of XX/XX/XXXX2013. I noticed this when I just happened ( luckily ) to check my account online. I spoke with a representative and all late charges were removed ; I paid my bill in full online the day I noticed - as well. This - however - is reporting to all of my CRA 's as 30 day delinquency for XX/XX/XXXX2013 with Target. I would like this removed.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-25

MD

Credit card protection / Debt protection

Credit card:

Complaint: I received the attached notice ostensibly from Target, alleging I owed them a payment. Neither my wife nor I have ever had a Target credit card or been in one. I called and the firs question asked was for my Social Security number. This is either a questionable market strategy or a complete scam. I have no idea. If you could inquire, that would be appreciated and would perhaps prevent people from providing their SSN. Thanks, XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-25

Niantic, CT

Using a debit or ATM card

Bank account or service: Checking account

Complaint: An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX XXXX in XXXX XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XXXX XXXX to the tenth of 2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at Venue Driver as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX Attorney General 's office, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund. TD Bank recently replied again denying further inquiry into dispute, did not provide any new information as they have nothing to show any email received by myself. The information they have shown thus far is merely an email was supposedly sent but not received with item or product. Again, I wish to reiterate I was not in XXXX to attend any such event and would not purchase tickets for something I can not go to. Please do not mark this as duplicate, there is additional information contained.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-25

CA

Transaction issue

Credit card:

Complaint: I changed banks to XXXX, a division of XXXX XXXX. Since I did that, Target Card Services has failed to post payments even one business week after the bank shows that the payment cleared. For example : a payment was made on XX/XX/XXXX. The bank shows that it cleared on XX/XX/XXXX. Today, XX/XX/XXXX, Target Card Services shows that the payment was made and shows the date it was made, but there is no corresponding adjustment to available credit. I see this and it looks like there was a problem with the payment. Even worse, a statement issued by Target Card Services on XX/XX/XXXX, the day after the bank shows the payment as cleared, DOES display a corresponding adjustment to available credit. Either I ca n't trust the online information, or I ca n't trust the statement, because they do n't agree. I have both called and messaged Target Card Services. Both times they cheerfully told me that I could resolve this right away if they could conference in my bank and get a confirmation that the payment ( which cleared a week prior ) actually cleared. WHAT? How are they verifying payments, XXXX XXXX? I need to conference call my bank? They did n't even offer a date for when the payment would clear if I DID N'T conference call my bank. This problem never happened when I was still with XXXX XXXX XXXX, but since XXXX XXXX XXXX was insanely fee-heavy and impersonal, I left. This problem also does not happen with any other credit card companies, including XXXX XXXX XXXX - it is only happening with Target Card Services. To add insult to injury, when I tried to reply to their completely unsatisfactory online message, the messaging system crashed. I 'm sure that was a coincidence, but I lost the lengthy reply I had composed, so it certainly did n't help.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Modesto, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response