TD BANK US HOLDING COMPANY

2016-05-06

Echelon, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-06

Sandy Hook, CT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-06

Billerica, MA

Payment to acct not credited

Consumer Loan: Title loan

Complaint: equity loan, got an equity loan in 2008, I had a loan with the same bank I wanted to refinance and pay off some credit card bills, bank is td bank, now I have a chance to refinance with a VA loan and combine XXXX mortgage and XXXX into one loan at alower rate, well td bank says that the payoff of XXXX equity loan was not recorded and want me to provide to payoff proof, i have copy of the loan payoff and that 's all, do I need a lawyer to get this fixed?.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-05-06

Washington, DC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I enquired at an ATM about my account balance, at TD Bank. I now see that I have been charged {$3.00} for the enquiry. There was no warning at the ATM machine that I would be charged. When I called TD Bank to complain the person who answered agreed that this is XXXX of their more obnoxious, non-transparent fees but he could not do anything about it. Can you look into this ludicrous fee and the lack of transparency. Thank you. The account is a TD Business Convenience Plus account, although I understand now from the bank that it applies to other banking products at TD Bank.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-06

Lynn, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-05-05

Seneca, SC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Franklin Lks, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Detroit, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Poplar Bluff, MO

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Niantic, CT

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: A stop payment was placed on an item from XXXX in the amount of XXXX today, the item is currently pending out of the account as of today, XX/XX/XXXX. This item is a charge from XXXX for insurance on a car rental, the reservation is from yesterday, XX/XX/XXXX. XXXX, the car rental company, charged additional insurance at time of vehicle pickup. Their rep failed to see insurance was purchased prior. I spoke with an XXXX rep earlier this evening named XXXX, she was able to refund it but there is a stop payment fee in the amount of XXXX charged by TD Bank. I need this refunded
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-05

Ridley Park, PA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I have a home equity credit line secured many years ago with now defunct XXXX XXXX. TD Bank took over the loan and began annually requiring a myriad of financial information that was never requested by XXXX. The loan is in good standing and my FICO score is excellent. I consider this age related harassment ( I am over XXXX years old ) and want TD bank to cease this annual harassment ritual
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Weston, CT

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: TD Bank pulled a bait and switch on my mortgage closing costs. They are in violation of Non Disclosure, Deliberate misrepresentation on Legal documents, Overcharging by manner to deceive customer.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-05

FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone stole my identity. They have my social security, date of birth, address, etc. are trying to open credit cards under my name via the Internet. Not in person. Believe it was an internal employee from XXXX for that I do not make purchases on the Internet or give my personal information to anyone.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

Arco, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I experienced identity theft and notified XXXX XXXX, XXXX XXXX, Target, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. Target, XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-05

FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Several months ago I received a debit card from TD Bank which I did not request or apply for. I promptly cut it up and threw it away. Two days ago I received a bill for {$33.00} from TD Bank for Sustained OD Fee, Maintencance Fee, Paper Statement Fee. I have called TD Bank twice and after lengthy telephone hold periods I was asked for the last XXXX digits of my social security number ( how did they get that ) and told to go to a branch office to cancel this fraudulent account. It is not convenient for me to go to a TD Branch office. Please see the attachment. Thank you very much for your help.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-04

Los Banos, CA

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Georgetown, SC

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-04

Allenwood, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am a TD bank member and I had an issue with a company that was withdrawing from my account without my authorization and was taking out 4 different payments this also caused me to have overdraft fees. I went into my local branch to clear up the matter and they explained they could not help me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-04

VT

Late fee

Credit card:

Complaint: Target XXXX XXXX XXXX XXXX, XXXX. XXXX Attn. : Collections Correspondence Dear Sir or Madam : While visiting our daughter in XXXX in XXXX XXXX, my wife XXXX and I shopped once in a Target store and were delighted to be asked to open an account ( which we thought was a discount card ). While there are no Target stores here in XXXX, we do travel on business and felt having a Target card would be useful. We expected to receive a Target card in the mail but one never arrived, hence we did not activate it. Nor did we receive any invoices for the single small purchase we incurred until XXXX XXXX, XXXX. We were horrified to discover that our small purchase had ballooned into a {$130.00} bill with four months of late fees! On XXXX XXXX, I contacted Target representative XXXX XXXX at XXXX. I explained that we had never received the Target credit card, and she confirmed that a card in XXXX 's name had never been activated. I also explained that the first card statement we had EVER received was for a closing date of XXXX XXXX, XXXX. I told her that I was more than willing to pay for the costs of goods we purchased but I explained that we had had no knowledge that the account was in arrears and requested that Target drop the exorbitant penalty fees. She said that she was more than willing to drop the accrued interest but she refused to eliminate the penalty fees. I then requested that I contact a supervisor. At XXXX on XXXX XXXX, a supervisor named XXXX called me back. I again explained that we were more than willing to pay for what we purchased, but had no written knowledge of ANY indebtedness, and especially the the past due debt until XXXX XXXX, XXXX. XXXX refused to eliminate the penalty fees, and suggested I write to you. We have searched our small rental condo repeatedly and have found no correspondence with Target since the initial purchase until the XXXX XXXX, XXXX letter with the XXXX XXXX, XXXX invoice. There is no Target credit card either. We can not explain how XXXX letters from you and the original cred card have gone missing, but can confirm that relatively frequently other mail we expected was never received at our mail stop. The simple fact is that we are willing to pay the initial amount we charged, but the amount we initially charged has ballooned to four times the original amount in 5 months. We know this new charge is both grossly unfair and illegal under XXXX law as well. Hopefully your office can rectify this matter amicably, as we know that Target has a reputation for high customer satisfaction. If not rectified, my wife XXXX is a XXXX and will be taking this matter up with the XXXX State 's Attorney general 's office. We sincerely hope that you will roll back the clock so that we may pay the original purchase price and move forward with a positive relationship with Target, but are prepared to contact the State 's Attorney General if you chose not to eliminate the late charges. We believe you have violate XXXX consumer protection provisions in your collections and are prepared to move on that front if this issue is not settled as we have suggested. Sincerely,
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-05-03

Brant Lake, NY

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-03

New Rochelle, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-05-03

Manhattan, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-05-03

Ocklawaha, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-03

Manhattan, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-05-03

MA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD Bank Keeps Selectively Deciding what transactions to pay, and what transactions to reject causing numerous fees to be incurred .... TD should have just rejected sale when presented to be paid resulting in a declined transaction
Company Response: Closed with explanation

Disputed: Yes Timely Response