TD BANK US HOLDING COMPANY

2016-06-24

Ridgewood, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-24

Gloucester City, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

Lk Buena Vis, FL

Wrong amount charged or received

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-24

FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: My lender is telling me I owe almost {$12000.00} in attorney fees to them and refuses to give me any kind of accounting as to what the charges are for and why the amount is so high.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-23

Harmony, FL

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Contacted me after I asked not to
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-23

Hicksville, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-23

Branford, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Manhattan, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-23

Jersey City, NJ

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-23

VA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Dear Sir/Madam : XXXX 2015 I applied for a mortgage at your XXXX Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I received a pre-approval letter for {$200000.00}. A few days later my offer was accepted for a property located at XXXX XXXX XXXX, XXXX XXXX. I then went to your branch and together with XXXX XXXX XXXX, I filled out an application at this time I was assure that my loan will go through. One week later, something had happened to my application and we had to re do it. Once again I was assured that everything looked good and the loan should be approved. Therefore, I order an Inspection of the property. A few days later, XXXX XXXX said to me that there was an issue with my debt to income ratio because of my property in XXXX, XXXX and that the lease for {$2400.00} starting 3 days after the schedule closing of the property in NH could not be accepted because of no history of payments. XXXX XXXX called the Mortgage support group and explained that the reason there was no history of payments was because the lease was knew. The mortgage support team told XXXX XXXX that it would be XXXX. then. Once again I was reassured that everything was fine and to go ahead with the inspection. Then on XXXX XXXX, I received an email that was sent by the underwriter to XXXX XXXX that my mortgage had been denied. I asked XXXX XXXX to speak to the underwriter and find out the reason. The underwriter told XXXX XXXX that it was the debt to income ratio. The underwriter had not accepted the lease for the property in XXXX. I asked XXXX XXXX to speak to the underwriter again since the mortgage support team that assured him that the lease would be accepted. The underwriter went to her manager and there was no hope. I received the letter of denial. Not only did I waste time but also money and XXXX. Someone dropped the ball at your bank and the least your bank should do is reimburse me for the inspection report charge of {$510.00} ( it included a Radon test ). Thank you for your consideration I would like to continue doing business with you and keep my account with your bank depending on your reply. XXXX XXXX offer to reimburse {$100.00} to which I said no since the least they can do is reimburse the total of the Inspection charge. I went to the XXXX Attorney General and their office directed me to go to you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-22

MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2016, an unauthorized ACH posted to my TD Bank account in the amount of {$2000.00}. I went into the bank on the day it posted and signed a dispute claim. Three weeks later, I saw that the money was still not refunded to my account. I called TD Bank 's fraud department to get a follow-up, and was told that the dispute had been resolved in the other party 's favor because the other business claimed I had in fact authorized the charge. The member of the fraud department to whom I spoke could not give me any information regarding the entity that debited my account, what evidence had been provided suggesting that I had authorized this ACH, or tell me what else I could do to get my money back. Imagine that your bank account is debited {$2000.00}. You go into the bank and tell them that you did not authorize the dispute. Three weeks later, the money is not back in your account, and when you call their fraud department to inquire, they tell you that you are n't going to get the money back and that there is simply nothing else they can do to help you. This is what TD Bank has done to me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-22

MA

Taking out the loan or lease

Consumer Loan: Vehicle loan

Complaint: TD BANK, XXXX ( TD AUTO FINANCE ). TD BANK WAS PAID OFF ON XXXX/XXXX/2016 BY XXXX XXXX XXXX XXXXXXXX. FOR THE AMOUNT OF {$19000.00}. THIS WAS TO COVER THE PAYOFF OF MY AUTO LOAN ( PAYOFF {$19000.00} ). THEY DID NOT CASH THE CHECK TILL XXXX/XXXX/2016. I HAVE CALLED THREE TIMES & THEY TOLD ME THEY WOULD MAIL OUT MY CHECK FOR {$230.00} ON XXXX/XXXX/2016. I CALLED AGAIN ON XXXX/XXXX/2016 & WAS TOLD I SHOULD GET MY CHECK BY THE 2ND WEEK XX/XX/XXXX. I BELIEVE THEY ARE HOLDING MY PAYOFF TOO LONG, DO I HAVE ANY RECOURSE??
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-22

ME

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-22

Queens, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have been with TD bank for over nine years and have personal and business direct account with them. This was regarding by business account. I own a laundromat and that is a cash business, I deposit over {$12000.00} a moth in this account and TD bank charges a fee if it supposed {$10000.00}. One of the bank employees offered to help me set up my account so I avoid that fee. She had made a mistake how she set my account, she has set up my account that I should have {$40000.00} in my account minimum ( which is how much a receive from my business in the whole year )!! As a result of this, I have been charged maintenance fee of {$30.00} a month for 15 months. From XXXX XXXX to XXXX XXXX. When I brought this to the attention of the bank manager XXXX he admitted that they made a mistake BUT because I took so long to notice their error he was ONLY going to refund HALF of my money! They charged me over {$450.00} and only gave me back half. I filed a complained to TD bank customer service and did not get enywhere the manager only returned half. I think it is completely UNETHCAL for TD Bank to get paid for the mistake they did on my account and they should not be paid for it! I would like a full refund and my my account restated the way it way before it was tampered with ( at {$500.00} minimum at my account which was their promotional offer when I opened an account with them! After it was tampered with I have lost this promotion and now I have to minimum of {$1500.00} on my account ).
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-21

Fruitvale, CO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Detroit, MI

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-06-21

NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am currently a customer of TD bank ... .small electronic debits were attempted from a merchant which caused my account to be overdrawn.the bank charged me XXXX in overdraft fees, i contacted them to have these fees reversed and was denied ... Imagine XXXX overdraft fees for a XXXX transaction.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

Jacksonville, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-21

Bronx, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Recently TD Bank change the way they process transactions. I am a customers that lives check by check. My work checks are direct deposit on fridays each week. I pay my car every other week and now I have incurred in more than XXXX overdraft fees of XXXX. They said this change was because customers wanted it like that. What customers rich customers? I ca n't not afford this and certainly I ca n't not afford loosing {$35.00} dollars just like that. The only reason why have n't close my account is because I have to many payments linked to my account. I feel this NEW thinks is not only afftecting me is affecting people like me and we are getting excesive overdrafts fees. We are being robbed XXXX for the little money we make.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-06-21

Wesley Chapel, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: In XXXX 2015 I signed a modification agreement. The terms do not match what is being charged to me. There is a charge for {$2100.00} for legal applied after I had an executed contract. Also my payments are not being applied to principal properly.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-21

VA

Late fee

Credit card:

Complaint: Hello, After receiving a credit I requested, I am being told I must still pay the disputed amount to keep my account in good standing. Even though by doing so, I will incur a credit balance. To ultimately get my refund, I must call Target after I 've paid and they 've issued the refund to again request a refund to be issued by a paper check? BACKGROUND : first you need to know I rarely use my Target credit card. However, after receiving a letter that my card would be deactivated if I did n't charge something before a certain date, I made a point to stop at target and buy something because I thought it useful to keep my card active. However, I have moved and since I rarely use the card, the bill was delivered to my previous address. When I actually got the bill it was XXXX XXXX, the day before the due date of XXXX XXXX. After working with Target.com for over an hour on XXXX XXXX, I finally was in a position to pay my bill online, the only means available to me to make the payment on or before the due date, since it was too late to pay by mail, and I could n't get to the nearest Target ( XXXX miles away ) to pay in person the next day. So, I paid my bill online, or so I thought, on XXXX XXXX. The next day, when checking my emails, I realized I did not receive a confirmation of my payment. I checked my bank account and there was no evidence the payment had been made. I logged in to target.com and my payment was NOT noted. So ... .I paid my bill but unfortunately for me it was after XXXX on XXXX XXXX. Today, XXXX XXXX, I received an electronic notification of my target bill and was shocked to see {$26.00} in charges. ( A {$25.00} late fee plus a {$1.00} minimum charge ). I promptly called Target and was told since my account was in good standing, Target would waive the {$26.00} and credit my account. HOWEVER, I WAS TOLD BY THE AGENT AND BY A SUPERVISOR, XXXX, THAT I MUST STILL PAY THE {$26.00} TO KEEP MY ACCOUNT IN GOOD STANDING! I asked why since my bill is not due until XXXX XXXX. Why should I incur a credit balance of {$26.00}? Supervisor XXXX confirmed the charge had already been waived on my account. The answer was I could call back and get a refund check sent to me. Really? It will cost Target more than {$26.00} to take my call and issue a paper check. Please, can you please do something about this. I believe this is a predatory practice so Target can get the funds and reap the benefit of interest earned. If they do this with all their customers, as Supervisor XXXX assured me, then {$26.00} among even XXXX out of XXXX customers can add up to a tidy revenue stream. Thank you for reading this and listening to my concern.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-21

Rehoboth Bch, DE

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: Attached please find copies of old CD that TD bank refuses to pay. According to the record " required distribution is XX/XX/XXXX '' I moved at the time XX/XX/XXXX and now discovered CD statement are not forwarded but sent back to the bank. I lost track of them until I cleanned out my safty deposit box the bank refuses to pay me when i went to withdraw
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-20

Fort Lauderdale, FL

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-20

Bayside, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-20

Manhattan, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response