TD BANK US HOLDING COMPANY

2016-03-25

Overbrook Hills, PA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

Fort Lauderdale, FL

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-25

Louisville, KY

Late fee

Credit card:

Complaint: For the 3rd time in the last 12 months my Target Red Card was charged with a late fee. In each instance, I was able to demonstrate that the payment arrived on the due date or the day before. This most recent occurrence my payment was due on the XXXX of XXXX. I paid off the balance as I usually due each month. The payment was scheduled online through my bank. When I received the next months ' bill Target was billing me for the late fee and a dollar or so of interest. Working with my bank I was able to demonstrate that the payment arrived at the post office at XXXX in XXXX TX where the bill is to be sent. When I called Target about this they said that I should make my payment earlier because late fees are assessed for payments that are n't processed on time. They 've agreed to remove the charges again. Based on my experience it seems likely they will do this to anyone whose check is received on the due date. If this is not grounds for you to investigate please let me know. I believe it is fraudulent and actionable.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-03-24

Colonial Park, NY

Deposits and withdrawals

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-24

Warren, RI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-23

San Mateo, CA

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-23

OH

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Complaint: I was called by Offices of XXXX along with my family members advising that I was going to be served with papers the next day. Then if I was n't there they would come to my job and notify my human resource manager. In addition they said I will need to appear in court if I am not there to sign for the summons .They told me I needed to make a good faith effort payment over the phone then sent me an email of terms I did not agree to.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-22

Astoria, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am contacting you for assistance in initiating a dispute with TD Bank in regards to excessive overdraft fees. I have a checking account with TD Bank and I am enrolled in TD Bank Overdraft Protection Coverage. However, TD Bank has been for a long time abusing this enrollment and excessively charging me fees. TD Bank does not properly allow their clients to be aware there are pending transactions on an account due to their outdated processing system which can take even up to three days to reflect an instant debt transaction on an account. TD Bank on Saturday and Sunday do not reflect any transactions not even as pending, then on either Monday or Tuesday they process transactions since Friday night and they are not processed in chronological order so they deduct from all those days ll at once starting with the transaction with the highest amount leading to multiple overdraft fees for transactions that were done when the balance was available. I was informed by multiple representatives of TD Bank that if an account goes into overdraft and the account is brought to a positive state on the same day by XXXX XXXX Eastern Standard Time an overdraft fee will not be applied. On Tuesday, XXXX XXXX, 2016 my account went into negative standing, However on the same day I made a deposit of {$22.00} at XXXX XXXX EST. which brought the account to a positive standing of {$0.00}, my receipt also reflects this. TD Bank charged me XXXX over draft fees of {$35.00} each. I believe it is unfair and misleading that TD Bank does this because there is no way for me to reference my transactions with them. Since this bank is not updating their processing system as mandated I can only go by the information that is provided. As I stated above my balance reflected a positive standing within the cut-off period of same-day processing. I attempted to resolve this with TD Bank directly ; I spoke to a manager XXXX in the New Jersey Contact Center but they refused to assist me and they were extremely hostile with me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-22

Charlotte, NC

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: TD Bank cashed a settlement check in the amount of {$6300.00}. The creditor still sent the account to collections. I have sent the bureau 's a copy of the voided check and the letter that was sent and they are not making the correction on my daughter and fathers credit report.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-21

Westminster, VT

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-21

Bluffton, SC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Chanhassen, MN

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

Occoquan, VA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I originally signed up online for a checking account promotion in XXXX, receive a {$150.00} bonus for making XXXX debit card purchases within 90 days. In those 90 days, I made over XXXX debit card purchases but never received the bonus. It has been over 5 months, and every time I contact customer service, they give me the runaround, 'forwarding ' my messages to departments who never respond, or erroneously telling me to contact a third party company ( XXXX XXXX ) which fulfills an unrelated checking account bonus for a free phone. I would not have signed up for this account if I did n't receive a bonus. This was a misleading promotion because I never received the bonus, and TD Bank has given me no way to get this resolved through their customer service channels.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-21

Baresville, PA

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-21

NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My wife and I have had a joint checking account/savings account at TD bank in XXXX, NY. The checking account is called " relationship checking ''. It was opened on or about XXXX/XXXX/XXXX. I looked up their different checking account plans and saw for the first time that they are not supposed to charge a monthly maintenance fee to process my accounts since I keep substantial sums between my checking and savings account held by them. I noticed that I have been improperly charged $ XXXX/mth for almost 4 years. On XXXX/XXXX/XXXX, I met with assistant store manager, XXXX XXXX, who acknowledged the bank 's error and told me she would look into it. They only credited me {$100.00} instead of the almost {$1200.00} that they had improperly charged as maintenance fees. On XXXX/XXXX/XXXX, I met with Asst Vice President, XXXX XXXX, who said the bank would make no further credits to my account. He said that I should have seen the charge on my statements. I told him the bank was illegally profiting from its own mistake. First, I was never told that my " relationship checking '' account was " maintenance fee '' free. If I had been aware of this, I certainly would have disputed it years ago. Second, they opened the account and their computer program never should have entered a monthly fee in the first place. Therefore, an employee of the bank must have altered the program or my specific account to do so. Not only have I been defrauded by TD bank, but I am sure that I am not the only depositor who is or has been paying " maintenance fees '' unnecessarily since they do not advise their customers of any improper charges.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-20

Harmonyville, VT

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-20

Brooklyn, NY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-19

Covington, GA

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-19

Bronx, NY

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-19

Pikeville, NC

Other

Credit card:

Complaint: I recently received a collection notice from XXXX ( XXXX, PA ) regarding an outstanding balance on a Target Credit Card in the amount of {$300.00}. I do not own, nor have ever had a Target Credit card. I recently saw my credit report ( buying a house ) and there is no outstanding balances for Target.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-18

Sarasota, FL

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-18

Lansdowne, VA

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-18

Hartsville, PA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Flushing, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-17

Rockledge, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response