TD BANK US HOLDING COMPANY

2016-06-13

Jacksonville, NC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-13

Border Hill, NM

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Rockville, MD

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-13

WI

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I purchased furniture on an in-store loan from XXXX XX/XX/XXXX. The loan was serviced by TD Bank. I made monthly payments on time each month using ACH transfers made via phone payment authorizations. TD bank even gave me payment confirmation numbers at the end of the phone calls. I kept confirmation numbers from these payments on an electronic media device that has since been destroyed. XX/XX/XXXX, TD bank initiated transfers to make the payments, but those ACH transfers never cleared and TD Bank never informed me of this. Now, I am XXXX months delinquent on this loan, and it appears on my credit report as a negative account. TD bank never notified me or my bank that there were issues with the phone payments as of XXXX XX/XX/XXXX when I discussed this issue with TD Bank XX/XX/XXXX, they said they had no records of me initiating payments in XX/XX/XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-13

Ridley Park, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I spoke to a lady in the mortgage dept. yesterday. She said they put money in an escrow account. I do not have and never had an escrow account. Furthermore I have not been late for the dates that she claims. You can not get a late fee unless payment is made after XX/XX/XXXX. XXXX/XXXX/XXXX I made XXXX XXXX payment. then XXXX/XXXX/XXXX i made XXXX XXXX payment, XXXX/XXXX/XXXX I made XXXX XXXX XXXX payment, then XXXX/XXXX/XXXX I made XXXX XXXX payment, then XXXX/XXXX/XXXX I made Mat XXXX payment, then XXXX/XXXX/XXXX i made XXXX XXXX payment and XXXX/XXXX/XXXX I made XXXX XXXX payment. I was only late XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX which I made during that time & paid additional late fees XXXX/XXXX/XXXX. So I may have over paid you. Now they may owe me. I am paid up & owe them nothing. I have been calling them, messaging then & going to the branch for XXXX months about the same thing. I paid them all that I owe & may have paid more they still claim I owe. Every time I speak to someone they hang up, someone suppose to call back or they are going to research the matter. Nothing ever happens. What they are doing is unethical or someone is very incompetent & do not know how to apply the payments I made correctly. I need your help this is a serious matter. I am XXXX & can not keep going through this. If I am not mistaken I asked for your help also no reply. This is unacceptable.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-12

Glens Falls, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-06-11

Washington, DC

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I started the process of refinancing my home with TD Bank on XXXX XXXX, 2016. Due to no fault of my own, my scheduled closing has been delayed three ( 3 ) times. The following timeline will explain my disappointment with TD Bank and the need for an immediate resolution. XXXX XXXX - Received a generated email from XXXX XXXX ( TD Bank Processor ) stating I was conditionally approved for my refinance. XXXX XXXX - I left a voicemail with XXXX XXXX asking for a return call. I received no return call. XXXX XXXX - I received another email from XXXX XXXX requesting additional documents. My tentative closing was set for XXXX XXXX, 2016 and the rate lock confirmation set through XXXX XXXX, 2016. XXXX XXXX - I sent a follow up email restating the same questions I had regarding my documentation from XXXX XXXX, 2016. As of this day there has still been no verbal communication with XXXX XXXX. XXXX XXXX - I had my first conversation with XXXX XXXX nine ( 9 ) days after my initial voicemail. XXXX XXXX - I submitted all requested forms to close my refinancing. XXXX XXXX - I received an email from XXXX XXXX stating the TD XXXX team needs more information from my HOA. I talked to my HOA representative that day and was informed that she had made several attempts prior to XXXX XXXX, 2016 to contact XXXX XXXX based on the request XXXX XXXX sent to her. XXXX XXXX never responded to my HOA representative. Therefore, I had to take time off from work to initiate a teleconference between my HOA representative and XXXX XXXX to resolve any questions XXXX XXXX had. I later received an email that day from XXXX XXXX stating she had all the necessary information needed from my HOA representative to report back to the TD XXXX team. XXXX XXXX - I emailed XXXX XXXX asking what time my closing is set for on XXXX XXXX because I have received no update from her. XXXX XXXX - XXXX XXXX responded to my XXXX XXXX, 2016, email repeating the same exact questions that were addressed and resolved by my HOA representative from XXXX XXXX, 2016. My thoughts : Why is XXXX XXXX asking the same questions that were resolved six ( 6 ) days ago with my HOA representative. This in itself delayed the entire closing process unnecessarily and shows her incompetence. In this same email from XXXX XXXX tells me my closing date has been pushed back to XXXX XXXX, 2016. XXXX XXXX - I requested for the second time what is the status of my closing. She did not respond. Later that day, I sent a separate email attaching my Payoff Letter from my current lender in which she responded, " Thank you but usually I ask the title company to get this so the borrower does n't have to ''. Which leads me to believe that she completely disregarded my email from earlier in the day. As of XXXX XXXX 2016, TD representatives have still not completed my file due to their lack of professionalism and continually ignore emails from me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Teaneck, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-06-10

Shulerville, SC

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Darnestown, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed

Disputed: Yes Timely Response

2016-06-10

Bronx, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-10

Lewisville, TX

Taking/threatening an illegal action

Debt collection: Credit card

Attempted to/Collected exempt funds
Complaint: I am unemployed and a single Mother. The debt is over 5 years old, they have seized my checking account and declined a settlement that I offered. Child support funds were in the account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-10

Washington, DC

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: To Whom It May Concern, A couple of months ago, I along with my colleague XXXX XXXX, initiated a mortgage request through the XXXX XXXX XXXX TD Bank branch. Unfortunately, the problem is that the property I am planning on purchasing is located in XXXX. As such, I have been going dealing with a number of representatives in the local XXXX mortgage lending department, not one of which I have anything positive to say. The problems first began with a XXXX XXXX, who was absolutely incompetent and unable to do her job to even the most minimal requirement. Forgive these harsh words, but I really must emphasize the poor level of service. This is someone with whom no amount of communication, either written or verbal, seemed to be effective in any way. In all seriousness, this is someone who did not seem capable of retaining or processing any information, resulting in MUCH wasted time repeating things, resending documention, confirming false information she 'd disseminated and repeating explanations of the situation. Most shocking perhaps is her inability to calculate even the simplest sums. During one conversation with her, when it became evident certain dollar amounts she was quoted were in error, she was asked to " tell me what is XXXX % of {$10000.00} ''. When pressed, she was UNABLE TO ANSWER THIS QUESTION (!!! ). On top of this, she routinely ignored questions and refused to answer emails or calls. This resulted in our the whole process being delayed by weeks, a setback that has costed both myself and the seller money in needless expense. The situation with XXXX became so bad, that we had to be transferred to an XXXX XXXX XXXX with the explanation that " XXXX was new and learning ''. Unfortunately, our exchanges with XXXX are becoming even worse than with XXXX. XXXX regularly displays inactivity towards our case, ignores repeated requests for dialogue on the subject of our mortgage, yet with the added shortcoming of rudeness and the continued ignorance of pleas to return either phone calls or emails. Unsurprisingly, our mortgage request has been further delayed directly due to her ineffectiveness. Of course, the manager of both XXXX XXXX and XXXX XXXX, a XXXX XXXX XXXX, has been advised of all this throughout the timeframe of this situation. Perhaps most shocking is that she too has failed to return phone messages and does not seem to really care about this situation. Such behavior worries me to no end. I have much documentation and sent emails to support the claims I am making, indeed I have included the email below to give you a sense of the gravity of this situation. What 's more, this can all be confirmed by the XXXX XXXX branch staff who are all too aware of this situation. They have escalated this situation to a number of managers to try and resolve this situation MULTIPLE times. They have called and followed up on things more than anyone at the actual mortgage center, despite this not even being their direct responsibility. Perhaps most telling, they have told me personally that they find this to be " embarassing '' for them as it reflects so poorly on them. In conversations I 've had with them, I even strongly suspect this is not the first time they have experienced such problems with this particular XXXX office. I hope that this gives you enough information to begin an investigation into this office. The delays caused by their incompetence has led to lots of lost time and money on the part of both myself and the seller. XXXX XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-09

Portland, ME

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-09

Key Biscayne, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Hi, TD BANK fraudulently charged {$200.00} NSF fees when I had enough money in my account to cover debits. I had a balance of credit - {$220.00}, I had a debit come in for {$220.00}. Td bank held the debit until another item came in to purposely have my account overdraw with not enough funds to pay the big debit of {$220.00}. This is illegal. They are trying to use the excessive overdraft fees to finance their bank and profit. ( PLEASE SEE MY BANK STATEMENT BELOW OF PROOF OF ABUSE OF EXCESSIVELY CHARGING OVERDRAFT FEES BELOW, WHEN I HAD ALOT OF CREDITS THAT WOULD HAVE COVERED MY DEBITS, BUT THEY KEEP OVERDRAFTING MY ACCOUNT WITH THEIR FEES. ). Td bank overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. AND, THEY KEEP CHANGING THEIR POLICY DAILY WITHOUT INFORMING CUSTOMERS. FIRST THEY SAID THAT I WOULD N'T BE CHARGED AN NSF FEE BECAUSE I ELECTED TO NOT HAVE ANY DEBITS IF THERE ARE NO FUNDS IN MY ACCOUNT. NOW THEIR LIEING AND SAYING THAT THEY NEVER SAID THAT ). NOW THEIR SAYING EVEN IF THEY RETURN AN ITEM BECAUSE I ELECTED THEM NOT TO PAY IT, THEY STILL CHARGING ME {$35.00} FOR EACH ITEM. THIS IS EXCESSIVE ABUSE AND MANIPULATION OF A CUSTOMERS ACCOUNT. ). They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday morning processing ( AND ITS NOT SUPPOSED TO BE PROCESSED TO MONDAY NIGHT ) so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled, This is excessive behavior and abuse of power. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if your Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} since I opened the account due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission. SEE BELOW PROOF - TD BANK Description Debit Credit XXXX/XXXX/2016 CREDIT ONEMAINFINANCIAL LOAN PAYMT {$220.00} XXXX/XXXX/2016 FEE OVERDRAFT RET View Details XXXX ; Go paper free and get notices online only XXXX Setup balance alerts {$35.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX PAYMENT {$30.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX LOAN PAYMT {$220.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX {$25.00} XXXX/XXXX/2016 CREDIT ATM CASH DEPOSIT XXXX XXXX XXXX XXXX XXXX * XXXX {$20.00} XXXX/XXXX/2016 DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$10.00} XXXX/XXXX/2016 DEBIT CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$25.00} XXXX/XXXX/2016 FEE MAINTENANCE FEE {$5.00} XXXX/XXXX/2016 DEBIT DEBIT {$77.00} XXXX/XXXX/2016 DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$10.00} XXXX/XXXX/2016 CREDIT XXXX PAYMENT {$25.00} XXXX/XXXX/2016 FEE OVERDRAFT RET View Details {$35.00} XXXX/XXXX/2016 CREDIT XXXX ACH PMT {$59.00} XXXX/XXXX/2016 CREDIT ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$20.00} XXXX/XXXX/2016 CREDIT ATM CASH DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$320.00} XXXX/XXXX/2016 DIRECTDEBIT XXXX PAYMENT {$25.00} XXXX/XXXX/2016 CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$73.00} XXXX/XXXX/2016 DIRECTDEP XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-09

Columbus, OH

Customer service / Customer relations

Credit card:

Complaint: TD Card Services was contacted by a person who had stolen my credit card information. TD failed to properly authenticate this person when they called notifying them of an upcoming fraudulent purchase using my card, and allowed them to change the phone number ( my number ) that was associated with the account. This charge for {$6200.00} on XXXX from XXXX was processed using XXXX Payment on an XXXX and then discovered by me as a fraud. I notified TD of the fraud around XXXX XXXX. They said they would credit the fraudulent charge, close my account, and issue me a new card. I received the new card, and through a series of at least 4 frustrating phone calls, finally authenticated my account by faxing them several forms of ID. I called 3 more times as the fraudulent charge remained associated with my account. Each time I was told that the charge would be credited in 5 to 7 business days. As my credit card statement neared its due date, I notified TD in an additional call that my billing due date was approaching, that the credit had not been made, and that I did not want to see late fees, interest charges, and a notification of missed payment sent to the credit reporting agencies. My fear was that this would negatively impact my credit score as a consumer through no fault of my own. No one in their customer support could explain to me how or if the credit reporting agencies would be notified in the event of a late payment. After speaking with a fraud specialist on an additional call, it was only then determined that the credit was placed onto the old and now closed account. Predictably, the account came due and interest charges and late fees were added to my account. I made an additional XXXX calls over the last week trying to get this resolved to no avail. I spoke to a supervisor XXXX after being on hold for almost XXXX minutes who again lied to me telling me the credit would be applied the next day. It was not, only the late fee was credited. I called the next day and was told that the supervisor was in a meeting and that I would receive a call back from the supervisor XXXX and I never received a call back. I asked the representative on how I could give feedback to TD on the frustrating experience that I was having and they could provide no such contact information. I asked if the credit reporting agencies had been notified and I was not directly answered only that the fraudulent charge was marked as disputed in their system. It is now XXXX/XXXX/16 and the charge remains on my account as well as interest. There is no excuse for the breach of my account, the lies that I 've been told, and the waste of all of my time which I have not been compensated for. I am writing this in the hope that as a consumer in the United States, there are protections and sanctions against those incompetent companies who mistreat their customers, and potentially ruin their credit worthiness.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-08

New York, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Sandy Hook, CT

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-06-08

NY

Managing, opening, or closing account

Prepaid card: Gift or merchant card

Complaint: i found aTDBANK gift card debit that expired and ca n't get aresponse from the bank as to its value at the present time
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Alexandria, VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I did not authorize an inquiry from this particular company, nor have I signed and/or endorsed any contract, application ( s ), etc., that created any inquiries with the listed corporation, agency, and or company .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge on XXXX/XXXX/2015. There being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry into my file be removed from all the Consumer Reporting Agencies immediately and a copy of such deletion mailed to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-08

Charlotte, NC

APR or interest rate

Credit card:

Complaint: TD Bank offered an Introductory APR of 0 % for a XXXX credit card they provided. I began accruing interest charges after the 2nd billing cycle. I inquired about the charges via telephone and explained that I was supposed have a 0 % Introductory rate. They denied this and that they did not offer such a promotion so I requested to have my terms and conditions for the account emailed or inquired where I could view them on my personal online dashboard. The only option was to have them mailed which took 10 days. The mailed documents confirmed in the Interest Rate and Fee Schedule ( page XXXX, document XXXX ) that there is a 0 % Introductory APR for the first XXXX billing cycles for Purchases. I called them to inquire again about the unjust interest charges according to the terms and conditions of the account. They continue to deny that they offer such a promotion and have requested that I fax the Interest Rate and Fee Schedule ( page XXXX ) to them for them to review. Why do I need to fax it back when they just mailed it to me? The review process takes at least 5 days. All the while my account continues to earn interest when it should n't.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-08

Bayside, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-07

Lutz, FL

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-06-07

Philadelphia, PA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I am an account holder at TD Bank. I requested a withdrawal from my brokerage account XXXX to be credited to my debit card at TD Bank. I spoke to a customer service representative at XXXX, and I was shown evidence that the withdrawal and instantaneous deposit to my checking account was completed. I went to the TD Bank branch office on XXXX and XXXX Streets and they told me they have nothing in pending transactions or otherwise to reflect that fact. Also, I write to complain about TD Bank 's policy of not abiding by XXXX standards in accounting which specify First-In, First-Out accounting or First-In Last-Out accounting, but rather by the " size of the transaction, '' in overdraft protection. This practice is unacceptable because the balances on ATM receipts do not reflect the balance by their method and the result is a charge of {$35.00} every time the consumer withdraws from the account. For example, an ATM receipt may reflect a {$20.00} balance, and the consumer may withdraw {$10.00} based on that statement only to XXXX that TD Bank 's " records '' do not match their statement and the consumer is defrauded out of {$35.00} each time a withdrawal down to {$0.00} occurs. I will attach proof of my withdrawal from XXXX and instantaneous credit to my TD Bank debit card as well as proof of such fraudulent charges as associated with overdraft protection, known as " Debit Card Advance ''.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-06-07

Kendall, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response