TD BANK US HOLDING COMPANY

2016-06-20

Wallington, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-20

Charlotte, NC

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-20

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 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 XX/XX/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 XXXX 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, 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.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-20

Bohemia, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Hello, This complaint is on TD Bank. Recently I noticed a charge on my credit card that I never authorized. The charge was for {$4900.00} from a company called In Compliance Services on the date of XXXX/XXXX/XXXX. I always pay my balance and usually review our books. Upon a closer look we noticed this charge and we have never given out our credit card number to a company like this. The first thing we did was try to find out why the charge was made, so we did some research on the company to find out who they were. We called the number we got off the internet and asked who they were and if they could give us some info on why they billed us. They told us that they did compliance services and they have no records of charging our card, but they could n't give our money back. The only thing I wanted to know was why I was charged and they gave me a very vague ambiguous answer. I was upset because not only did they take my money, they would n't tell me why. The next thing I did was call my credit card company. TD Bank. This first phone call was made on XXXX/XXXX/XXXX. TD Bank started a fraud investigation, and said that they would do the research and find out what was going on, and also that they would credit me back the money that was taken if they find out the charge was not good. They said the investigation would take XXXX10 business days. So I called them back on XXXX/XXXX/XXXX and at that point they asked me to send a affidavit claiming fraud. So I sent them a letter stating that I had no business with this company. I finally heard back from them about a month later and they said that since the charge happened 2 years ago that I was responsible. I asked them about their XXXX $ fraud liability, and they said that it did n't apply here. They made it seem like they did n't even do an investigation on this company. They had me send them an affidavit and they did n't even lift one finger to try to figure out why these people charged me! I did my own research and I found out that the fair credit and billing act said that I was protected from fraudulent charges and that if I was billed that the merchant should have to provide documents saying what they charged me for, an invoice, something. Anything! So I wrote TD Bank another letter that included these federal laws that I looked into. Again I was denied. I also asked them to resend the information for the denials so that I could attach it to this complaint. They said they would, but they never sent anything. So I feel like I was victimized by someone who got my credit card information and that the bank unfairly denied my claim without even looking into it. I was just given the run around, and I was n't protected by my bank against this fraud. My husband has served in the XXXX and I just feel like we were left out to dry by TD Bank.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-20

Cordova, TN

Closing/Cancelling account

Credit card:

Complaint: Approximately XXXX three months ago I was informed that my credit limit had been reduced due to inactivity. I DID NOT receive any notification prior to, that such action would be taken on my account. When I inquired about this change I was notified that I had not used my card in over a year. I am an XXXX military member in the United States XXXX and there are times that we are XXXX, transfer and/or have obligations that do not afford us the opportunity to use retail cards as normal. That was the case for me in which I was XXXX in XXXX 2015 for seven months, returned and immediately transferred. It was during that time that the year passed. As I inquired as to how to restore my credit to the previous limit I was told that I would have to request a credit limit increase. Please let me inform you that the reduction of my credit limit affected my credit score and to have to go back again and request a credit limit increase for what I consider no fault of my own would again affect my credit score. Approximately one month ago I did attempt to use my card online to purchase some storage boxes, the card was denied. I attempted a few days later in the store, feeling that the card was just not working online again the card was declined. The manager of the store was kind enough to still allow me the benefit of the 5 % after he could see that I had a legitimate card. And now I received notification that my account will be closed, " It 's our policy to close accounts that haven been used in 18 months. '' I believe that I have done all that I should as a consumer to have a positive account with your company but there is little to no support for personal situations that apparently do not fall within your companies approved standards. I am trying very hard to improve my credit score so take any action against my credit seriously. I feel that more communication from your company to consumers would allow you to better gauge the situation of your consumers instead of making decisions in a vacuum. I would like my credit limit restored, I do not care to have it increased just back to what it previously was ( {$300.00} ) and a new card issued. Now that I am settled from my transfer and will be stable for the next few years the use of the Target card will easily be accomplished.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-20

FL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: We are requesting of you to fully investigate the accuracy contained in our credit reports. We further believe the credit bureau, XXXX & TD bank are in violation of the following. Fair Credit Reporting Act ( FCRA 15U.S.C.1681 Section 616- Willful Non Compliance Section 617- Negligent Non Compliance Section 621- Administrative Enforcement In addition we are requesting to have the entire trade lines Deleted and for the credit report to be marked as Closed Without predijuced
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-19

Brooklyn, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-19

Meriden, CT

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-19

FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Never take the credit card offered by TD BANK. the problem is their customer service. They do not listen, well they listen and pretend they will follow your directives. I paid OFF my credit card, overpaid it by {$98.00} or so ) from my Che kings count ). I asked them to put it back into my Che king account. No, they send a Check. Now, another month or so goes by, I have a XXXX BALANCE ON CREDIT CARd. THEy TAKE {$200.00} from my ChecKing account to the credit card ( duh ) and give me a CREDIT BALANCE of {$200.00}. I have sent XXXX messages, XXXX Friday morning, XXXX today, Saturday ... l No reply from TD, but my $ is gone to the card, not in my Che King account. I TOLD THEM TO CLOSE THAT XXXX CREDIT CARD ACCOUNT when I paid it off. now I will be looking for a new bank. I 've been with TD now for about XXXX years or more. they will not accept any responsibility for their credit card, they just TALK YOU INTO GETTING IT.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-17

Apple River, IL

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-17

Chicago, IL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-17

NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am currently in bankruptcy proceedings case no XXXX and unbelievably TD Bank has assessed me almost {$900.00} in fees and overdraft fees since late XXXX early XXXX 2016. Some of these fees are {$170.00} each while the smallest ones are {$35.00}. I have told TD Bank repeatedly and countless times that I am in bankruptcy and have told them to stop automatic payment withdrawals to avoid getting hit even more excessive OD fees but they just do n't care and do n't listen, and it seems that they are deliberately not blocking ACH auto-payments and checks in order to further compound and add to my financial devastation and the hole that I am in. Currently my account is approximately - {$1600.00} of which nearly {$1000.00} is in these horrific fees over the past 2 months.I received some money and want to deposit it in the TD Bank so as to make it positive again, and continue on with my normal banking activities, but a substantial amount of this money will be sucked into these cursed fees, and I will be left with a fraction. I am faced with the prospect of either closing my account and/or taking TD bank to small claims court to resolve this XXXX of financial justice. Please intervene and investigate. Kind regards, XXXX
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-06-17

MD

Late fee

Credit card:

Complaint: Company is persisting in charging late fees on payments even though the payment was delivered and recevied on-time. They have done this twice. The first time they reversed the late fee. The second time they refused. My payment was delivered the day it was due but it took them 5 days to process and post the transaction.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-17

CA

Billing disputes

Credit card:

Complaint: Target card services stopped sending me statements for my Target credit card account after XXXX, XXXX. I used the card after that but never received a bill and did not know I owed them money. I never received any statements or past due notices from them. I did receive a phone call from a Target card services employee on XXXX XXXX, XXXX, stating my account was overdue and was being sent to collections. I told the employee that I was not aware that I owed Target any money. She told me I would have to request an affidavit to dispute the charges in writing. I sent a letter the next day requesting the affidavit. Before I received the affidavit form from Target card services, I received a phone call from a collections agency. I wrote to Target again asking for copies of the receipts and the statements to prove the charges were indeed mine. I finally received the affidavit form in XXXX, XXXX. In XXXX, XXXX, I received a letter stating they had sent me copies of the receipts along with the affidavit form, but the receipts were not included with the affidavit form. They did include printouts of online statements from XXXX, XXXX, and XXXX and XXXX, XXXX, which did not have my name on them or any indication that they were mailed to me. They did not include any statements after XXXX, XXXX. I then received a letter XXXX XXXX, XXXX, stating that the dispute was closed and that I owed Target {$580.00}, including interest and fees, and this would be reflected on my next statement. This letter included receipts from XXXX and XXXX, XXXX, and XXXX, XXXX. I called the representative who sent the letter the next day. I told her I would pay the charges minus the interest and fees as I had never received statements with these charges. She stated she could not remove the fees as the account had been closed. I asked to speak to someone who could help me and she stated there was " no one there who could help me '' as " no supervisor would approve changing the charges ''.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-06-16

Rayford, TX

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-16

Akron, OH

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-16

Austin, TX

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-16

Saint Clair, MO

Billing statement

Credit card:

Complaint: I am getting double charged for the amounts of the purchases I make. On XXXX XXXX I was charged XXXX then the following few days I was charged {$17.00} again. Then I made nother purchase in the amount of XXXX and was charged the following day {$27.00} on my account. This resulted in my account being placed over the limit and me not being able to shop online. This is a terrible system. I called into Nordstrom to let them know. Everyone besides XXXX was non chalant about it and said its our system we cant do nothing about it. Thats not fair to people who want to shop and for use their credit card. Its just not right. It 's greedy, and unethical
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-15

New York, NY

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Opened a savings account with TD bank on XXXX XXXX and have made XXXX transactions ( electronic funds transfer ) online to and from my checking account. Was informed by TD that it is their policy to only issue quarterly statements, regardless of the number and nature of transactions made in that month. Regulation E 1005.9 directly refutes that policy.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

N Monmouth, ME

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-14

Phila, PA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

East Windsor, NJ

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

Manhattan, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-14

Bloomington, MN

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-13

Millinocket, ME

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response