TD BANK US HOLDING COMPANY

2016-04-26

Franklin Lks, NJ

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-26

Berkeley, NJ

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-25

Lafayette Hl, PA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-25

Staten Island, NY

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-25

Montclair, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-25

Everett, WA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Bank allowed charges to go through on my account after I told them not to via secure message on the online banking site. They told me that the conversation I had with their employee only related to not allowing money from my savings account to be used towards the charges and not the main account. At no time when I signed up for the account and signed a form to allow charges to go through without sufficient funds or when I advised them to stop allowing any charges to go through was I told that this was a separate agreement.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-25

Philadelphia, PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have a banking account with TD Bank. TDBank has a consistent pattern. If you get a statement on the XXXX of the month and you pay your bills on the XXXX, they both go in the same date and TD Bank will charge you an Overdraft Fee for EACH payment that you paid electronically. They have totaled for last month taken over {$800.00} in one month in overdraft fees. Since the beginning of the year it has been over {$2000.00}.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-23

Weston, CT

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

Boston, MA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-22

IL

Billing disputes

Credit card:

Complaint: Target is incorrectly reporting the day of first delinquency. They are reporting that the day of first delinquency is the month after I settled the account. Prior to this settlement payment there were no payments payments made and the account was reported delinquent for 7 months. At that point there was an attempt to bring the account current for a minimal payment, but i disagreed with the terms and did not make any more payments. Prior to that the last minimal payment was made 3 months prior in which a minimal compromised payment was made for 3 months. Target has re-aged this account violating 15 U.S.C. 1681c ( 1 ) No where in the act does it state that a debt can be re-aged after a lump sum or payment in full is made. This account was clearly delinquent 7 months, arguably 10 months. The delinquency could even go back further as I started missing payments 6 months earlier XX/XX/2008, They are claimin DOFD as the day after it was settled in full which is not right.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-22

Manchester, NH

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-21

Masonville, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

Carolina Forest, SC

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-21

FL

Settlement process and costs

Mortgage: Other mortgage

Complaint: Our company reached out to your organization in 2014 regarding a mortgage dispute with TD bank. TD bank changed their tune and decided to work with us to resolve our mortgage issue. They renewed the loan and stated we had 2 years to remove the loan from their company. We found a bank to renew our loan and are in the process of doing so, however, TD Bank told our new bank we had {$20000.00} in legal fees. TD bank never disclosed this information to us. It 's another underhanded attempt from TD Bank to keep our property and to make money at the expense of a small business. Our lawyer charged us {$500.00} to take care of this issue with TD Bank and spoke minimally to the TD Bank lawyers. If this was a justifiable amount, I would not reach out. Please let me know if there is some sort of avenue I can pursue to address this issue. My name is XXXX XXXX, XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-20

Hollywood, CA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Norwood, MA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-20

Old Bridge, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-20

FL

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Diamonds International, TD Bank credit provided 6 months same a cash and they are not honoring the documents signed. The purchase was made on the XXXX of the month and they are back dating the cycle to the XXXX. The XXXX is not the XXXX and it is n't 6 months as agreed to on the signed acknowledgement. They will not adjust the cycle correctly. This is not a fair practice and not 6 months.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-20

Knoxville, TN

Other fee

Credit card:

Complaint: I attempted to pay my bill for my Target Red card online. After 5 days after processing my payment i receive a letter stating that my payment was rejected. I logged onto my Target account and noticed a {$25.00} returned payment fee so I contacted Target customer service. After confirming that my banking information was correct they informed me that they could not refund the fee.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Bridgeport, CT

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-20

Lewisville, TX

Billing disputes

Credit card:

Complaint: I signed up for a Nordstrom card because the store would not give me the sale price unless i had the card. I never received the card but got a phone call in XXXX 2016 to make the payment. I agreed to pay, and provided my XXXX checking account information. I understood that Nordstrom will take the money from the account. But i receive a collection call in XXXX stating that i owed a balance of $ XXXX+ becuase of penalties for non-payment. The agent told me that they had only taken {$38.00} payment for XXXX account instead of the the full balance that they previously offered to take over 3 months XXXX each. I offered to pay the balance, but they would not waive any penalties. So now have XXXX % penalties on a small purchase of less than XXXX. I dont understand why Nordsrom can charge the penalties when they have my bank account to withdraw the payment each month. I guess they make more profit by threatening me to report to credit agencies .... which has not ruined by credit too.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-20

San Jose, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: TD auto reposessed my car, auctioned and recovered in full. I was told no balance was owed to them however on my credit report they are still reporting a balance of {$6400.00} continiusly and now trying to call and collect on the debt that I do NOT owe ...
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-19

Memphis, TN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: in XXXX 2016, target sent me a letter stating about sending in a document for the removal of the inquiry. Once i sent the document, the credit bureau equifax, states to me that it is up to Target to handle this process and that I am not suppose to do anything. The credit bureau also stated to me that Target had never sent anything in stating for the removal of the inquiry and that Target is not addressing the issue instead giving me the runaround. The credit bureau also stated to me that all Target is supposed to email XXXX asking for the removal of the inquiry.. s of today the inquiry still exist on my credit report.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-04-19

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: While XXXX in XXXX I found out that my car loan was sent to debt collection for late payments over 90 days. The vehicle was paid every month. The company states no payment for the last year and charged off as bed debt. Purchased in XXXX XXXX XXXX in XXXX of 2012 through XXXX XXXX XXXX in XXXX, OK. Paid as agreed every two weeks. Amount was automatically paid out of our bank account with no issues. I was notified by TD auto Finance after calling in to add money to the principal that the account ( # XXXX ) was not paid for a year and has been charged off as bad debt. I have proof that the money was being taken from the bank account, and am a loss as to what happened to a years worth of payments. I have received nothing in the mail to inform us of late payment or that the vehicle was charged off until requesting more information on my end. After asking to speak to a supervisor I was sent to voice mail box for the manager of XXXX and XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response