TD BANK US HOLDING COMPANY

2016-04-18

Gloucester City, NJ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: A target credit card I owed on went into collections and started affecting my credit score XX/XX/XXXX. They agreed to accept a partial payment and the debt was taken care of years ago. Unfortunately, I am still being negatively effected by this as the last reporting was XX/XX/XXXX. I have tried to contact target to handle this issue but the service I spoke with claimed they do not have records back that far. I would like this derogatory mark removed from my credit report as it has been paid.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-18

Gloucester City, NJ

Rewards

Credit card:

Complaint: On XXXX/XXXX/16 I discovered unauthorized charges from XXXX/XXXX/16 totaling almost {$8000.00} & the loss of XXXX in reward points. I immediately called TD to alert them of the problem. I was told to give them XXXX hours to correct my account and that it was a widespread problem affecting numerous customers. I contacted the company 3 more times & was told different stories by different representatives. I sent a certified letter on XXXX/XXXX/16 requesting the money to be credited back to me and also to restore my reward points. The charges were credited back but the reward points were not. On XXXX/XXXX/16 I called to request a resolution to restoring my points and I was assured by them they would get back to me within a few days. No one has returned my call and TD has not restored my points, so I respectfully request the CFPB 's help in resolving this matter.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-04-18

SC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had an account at this bank and my friend deposited money into my account to help me out because I am on XXXX, he deposited {$5000.00} into my account for me give it to someone else for him, but when I went to withdraw the money I was asked where did you get {$5000.00} from, but I did not respond to her because it was not her business and I should not have been asked the question, the money that was left in the account was from my XXXX benefits and the money my friend gave me which was {$700.00} and since they put a hold on my account my bills for this month was not paid and when I asked for my money I was told it was not mine and she actually called me a thief, she said I stole the money from someone and it was not mine the money belongs to the person I took it from but she could not tell me who I took the money from, so now I am asking for your help in how to get my money from them.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-18

ME

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am contacting you for my son who is XXXX. His girlfriend did his taxes and placed her checking account number for deposit. In the meantime she overdrew her checking account and did not pay the fees. She tried to close the account but the bank would not let her until the fees were paid. Meanwhile they charged the account daily. My son 's name is not on this bank account. The bank took all of my son 's tax return in the amount of {$1000.00}. and will most likely take his state tax return as more money is owed on the account. The bank in TD Banknorth in XXXX, XXXX. My son 's name is XXXX XXXX XXXX/XXXX/XXXX, SS. # XXXX. The other account belongs to XXXX XXXX DOB XXXX/XXXX/XXXX. XXXX and XXXX are not married. I am concerned as I do not feel that XXXX should have to pay XXXX 's bank fees with his tax money.The bank told him to contact the IRS and the IRS did not seem to be able to help. My name is XXXX XXXX DOB XXXX/XXXX/XXXX. SS XXXX. I can be reached at XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-18

Billerica, MA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I made a wireless transaction through my checking account ( TD Bank ) on XXXX XXXX 2016. The money was not transferred to the recipient, it is 2 months since. There was an error in the account number but the bank name, branch, address and name were correct. TD bank has not been able to return the money back to my ( sender account ) or provide a resolution in a timely fashion. TD bank did not pursue this matter, and the only time they get in touch with me ( customer & initiator of wireless transaction ) is when I call or see them at the bank.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-04-16

Bethel, WA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-16

Ft Lauderdale, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I previously reported issue with CFPB. The same unethical practice has happened again despite receiving a letter indicating they were changing their policy in XX/XX/XXXX. I suppose it has n't happened yet and they are still processing transactions high to low instead of order they are received. But what really concerns me is that today on my statement there is a line item that says {$35.00} " debit card authorization ''. I have not used my card so when I called to inquire they said it was an overdraft fee. Talk about deception. I was concerned someone used my card but instead it 's the bank disguising fees!
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-16

Newark, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have been scammed by company called XXXX Home base business. With a counterfeit check in the amount of {$2900.00} and my bank has authorized the transition of that check less than 5 business day rule. I have been with TD bank for a while and I never overdraft my account and Now my account is overdraft and the bank wants me to payback the money because fake check was written under my name and was deposit in my account. I called my bank more than once and I went to the bank in person. They telling me that they have no way of knowing the check is bad. Until transaction take place. My question is if the banks that have seen all kind of bad checks and counterfeit money and they do n't have best methods of protecting consumers from frauds. Now I have to pay back the money that I did not use on my own. as a consumer I 'm requesting that FDIC need to have regulation to in force with the banking system on how to prevent Fraud and protect consumer of this country by purchasing the equipment that will detect counterfeit checks or money as soon it deposit not making money available unless the checks is real. I believe the bank should be able to have a machine that process checks and counterfeit money as it is deposit. That is the only way we can stop fraud activity and prevent me. I have been with TD bank for a long time never my account balance is law and ca n't cover my charges TD bank never authorized my transaction. How can TD-bank authorized this amount of money less than 24 hours and it a fake checks? Now my account is frozen and TD bank is telling me I over draft my account. I have no money to pay TD bank for this. I did not take money it is a Fraud activity that Bank is responsible taking it responsibility and preventing me as a consumer.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-15

Morristown, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-15

Rochester, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-15

Doylestown, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-04-15

Brookside, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-15

Clermont, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I was the victim of an identity theft. This occurred XX/XX/XXXX when an unknown individual opened XXXX accounts using my name and social security number with a Texas address of another individual with my last name. I became aware of this XX/XX/XXXX when I received a collection letter from XXXX XXXX representing collections on an account from XXXX XXXX XXXX XXXX. Upon review of my credit report I noticed another fraudulent account that was in arrears on my report that I had no previous knowledge of from TD Bank XXXX. I set up an account thru XXXX, filed a police report, sent all the appropriate letters to XXXX XXXX, XXXX XXXX XXXX XXXX, TD BANK USA/TARGET, XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX responded right away and removed the fraudulent information from my credit files. Transunion and Experian removed all of the fraudulent information from their credit files. Equifax refuses to remove the information from my file from TD Bank USA/Target until they hear from them directly that it is fraud. I have sent XXXX letters with all the appropriate attachments to TD Bank USA/Target dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date I have had zero response. I have also tried to contact TD Bank USA/Target by phone but repeatedly get the run around ( they have no info on me or that account etc ).
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-04-14

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-14

Memorial Square, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-14

Boston, MA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-14

Norco, CA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: My sister died on XXXX XXXX, 2016. Since this date we have been trying to contact TD auto finance, the company which holds the loan for her car, so we could pay the car off. Every time we call, we are placed on hold -- once for over an hour. Ultimately, we are asked to leave a message, which we do, but it is never returned. We have faxed them numerous times -- only once did we get a response back -- and this response was telling us the pay-off amount and that it had to be paid off by XXXX XXXX, 2016. Ever since this, we have called almost every day and we have sent several FAXES telling them that we would like to pay off the car and to call us so that we could pay by credit card or whatever method they prefer. We still have heard nothing from them. The deadline is approaching and we are sitting in limbo and feel as if we have no recourse. Please advise.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-04-14

FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: TD BANK assumed my loan some-time during the 5th to the 10th year of the loan. The term of the loan ballooned on XXXX/XXXX/XXXX. I began a loan modification/ information/assistance on on or before XXXX XXXX XXXX. I submitted all financial/employ- ment info ... and when I did not get a reply & lt ; I called to learn they had been calling an invalid number to secure additional info. They were disingenuous, as they had my correct phone number aside from the incorrect phone number that they called numerous times without contact ... .even though they communicated with me via email to get verification/employment check-stubs on one occasion. They are adding thousands of dollars to the pay-off figure as I am now prepared to pay them in full as I have closed on a property XXXX/XXXX/XXXX They have increased what I owe them from {$34000.00} to the recent payoff calc. of $ XXXX..XXXX..thru XXXX XXXX. The worst thing about this ... if I had not been able to pay them ... they would have taken from me a parcel of LAND that I paid XXXX ( A XXXX loan in XXXX ) ... .and they have corrupted the process that would have given me the opportunity to continue pay interest for the land ... after paying for it, interest and principal for 10 years. I am grateful I can pay them off ... but I despise what they were going to do. I will pay them off and despise them for what what was going to happen -- -they were going to take my land! My request is to have them forfeit their fees to steal. {$34000.00} is what was owed XXXX/XXXX/XXXX. They do n't get to win ... they were not going to grant me a loan modification/continuance ... they were going to take it from me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-14

Flushing, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Please attach to CFPB Case Number : XXXX. Yesterday, I received a call from a TD Bank representative to discuss my complaint and that ssme TD Bank representative told me she would get back to me yesterday about refunding/waving the overdraft fees I had received on my TD Bank checking account due to me not having access to a TD Bank ATM because the TD Bank branch door would n't open when I inserted my TD Bank Debit Card. I never heard back from that TD Bank representative. So yesterday when I go to make another deposit before XXXX so I do n't receive anymore additional overdraft fees the ATM machice was n't accepting cash deposits and of course all of the other TD Bank ATMs were being used so XXXX came and left and I was just standing there waiting for another TD Bank ATM to become available so once again because of a situation that was totally out of my control and totally also TD Bank 's fault that I 'm once again receiving several more unfair overdraft fees from TD Bank.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-14

Arco, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I recently opened a store card at Nordstrom. I made a purchase of XXXX that day, and a few days later, returned XXXX of the items ( - {$37.00} ). A few days later, more than {$1000.00} of unauthorized purchases were made. I did not find out until I received my statement today. I do n't even have a physical credit card yet, just a ( now expired ) temporary card that is essentially a receipt containing a bar code, nor have I been able to set up online sign-in without a copy of the credit card and full CC number. The unauthorized purchases were all made on the same day, in two Nordstroms ( one of which was the store where I made the return, the other was a nearby Nordstrom ).
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-14

Boston, MA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-13

Macclenny, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had someone forge a check for {$2000.00} and my bank cashed it even though the signature was not a match and she used my bank card. A police report was filed and she was charged although my bank gave me back for the card transactions but will not for the check.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-13

Clayton, MO

Billing statement

Credit card:

Complaint: TD Bank issues and extends credit for Nordstrom branded credit cards. The periodic statement issued is misleading. On page XXXX of the periodic statement, they offer payment options. It states " We offer many convenient ways to pay your bill - pay by phone at XXXX .... '' When you call this telephone number you do not ever get an option to speak to a representative or receive an option to pay your bill. When the telephone number is called all you hear is advertisement/solicitation XXXX after another, nothing else. For example, I called and I heard advertisements/solicitations for XXXX, XXXX XXXXXXXX, XXXX XXXX, multiple vacation offers and coupons. Never once were you given an opportunity to bypass these ads or given an opportunity to pay your bill as stated on the periodic statement. This is misleading, unfair and deceptive to consumers. For example, I do not have possession of my physical card and would like to pay my bill. I ca n't set up bill pay with my financial institution as I do not have the full account number. I ca n't choose online payment at norstromcard.com as I do not have the full account number. My only options are by phone or mail. Due to the timing and not wanting to incur a late fee, I chose pay by phone. It feel like a bait and switch by telling consumers they can pay at the aforementioned telephone number and that number is actually just solicitations.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-04-13

Flushing, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Yesterday, I went to a local TD Bank to make a {$400.00} deposit before XXXX so I could bring my checking account current and not have to deal with receiving any overdraft fees but when I got to the local TD Bank, after banking hours, my TD Bank debit card would n't open the door. No matter how many times I tried swiping my TD Bank debit card, the door would n't open. Si I never got to make my deposit before XXXX. When I called TD Banks ' customer service department, the young lady who answered my call quickly told me that this was starting to happen a lot with their customers and as I started telling her about other after banking hours situations I had in the past with other TD Bank ATMs ( not returning my debit card, not accepting cash deposits, etc ), our call get disconnected. So when I called back the new TD Bank XXXX number customer service representative I was speaking with, placed me on hold and when she returned to rhe line, the first thing she told me was that her supervisor her told her to tell me that I was going to be receiving several overdraft fees and that I was n't going to be given any courtesy refunds/waviers of the overdraft fees I was going to be receiving. I got so upset that I lost my cool and started cursing up a storm. What was I suppose to do, kick open or break the glass doors to enter TD the ATM area and make my deposit on time???? Clearly this was a situation caused by the doors at that TD Bank location and not me. This was totally out of my control and that why all of the overdraft fees I received such be refunded/waived. Plus these ATM doors at TD Bank, seem to be causing this situation all over the place, something that TD Bank needs to and should address and resolve.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-04-12

Centerton, OH

Disclosure verification of debt

Debt collection: Auto

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response