TD BANK US HOLDING COMPANY

2016-03-17

Ridley Park, PA

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-17

Astoria, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-17

Boston, MA

Billing disputes

Credit card:

Complaint: Target credit card change my billing to electronic from paper bills without my permission. Received a late notice for {$70.00} bill I did not received. Called them to find out what had occurred, CSR was rude could not tell me where my bill was being sent and would not reverse late charge. The larger issue here is my credit score ; I have never made a late payment to Target or anyone else! They have caused a massive data breech recently I would expect them to be more helpful.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-17

Long Island City, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I was notified from TD Bank that they will begin " processing transactions chronologically '' instead of processing deposits FIRST on a daily basis, effective XXXX XXXX, 2016. This will result in people who do not have enough money to keep a buffer in their savings account, or have to live paycheck to paycheck, being penalized for being poor. This feels like an attack on the working class, and they are unapologetic about it in the very same notification letter : " If you rely on deposits posting first to cover your daily expenses, this change may result in more overdrafts. '' It is a crushing and condescending letter that makes me extremely upset. It is my hope that the CFPB can take them to task and get this devastating new policy that will definitely not make one " More easily manage your personal account. '' Reversed. The letter is signed by " XXXX XXXX, Senior Vice President '' Thank you for your time.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-16

NJ

Billing disputes

Credit card:

Complaint: I have an account with target I pay my bill on time every month but I have noticed for the past few months when I check my available credit it tells me I have a certain amount then 2 days later it 's gone ex paid XXXX bill on the XXXX went to target spent XXXX on the XXXX I only have {$9.00} available credit called them they told me it was interest for XXXX I asked them is n't XXXX interest included in my XXXX payment and he said yes so the why I see it I 'm paying interest twice. I told him if I have {$200.00} credit available at XXXX XXXX and I spend XXXX I still have XXXX left until my next billing cycle I have never heard of this type billing before
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-16

Key Biscayne, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: The bank we are operating with, has giving us checkbooks with an error in the account number. We have made payments with some of those checks and all of them were not cleared for that reason. As a result of such those mispayments XXXX of our cars hase been repossessed and so far the bank has done little to nothing to resolve this situation.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-03-16

Washington, DC

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: In 2011 we refinanced our home with TD Bank. They paid off the old mortgage company loans we had with XXXX and I have proof of satisfaction from XXXX. Recently we started a VA loan refinance but a few day before closing the new mortgage company informed us that TD Bank never filed the deed with the city of DC so they can not close until TD Bank fixes the original loan and files it with the city. When I call TD Bank I can not get any answers as to why the TD Bank refinance did not close with a Deed filed. We are now past our lock date with the new company and we had a really good interest rate VA load approved. I can not seem to get to anyone high enough at TD Bank to fix the problem so we can continue our current plans and the longer it take the more money it 's costing us due to TD Bank 's original error in 2011.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-15

Bronx, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-15

MO

Customer service / Customer relations

Credit card:

Complaint: Yard Card has been giving my husband and I the run around in terms of statements, payments, and a recent attempted balance transfer. When we first purchased our mower and had it financed by Yard Card, they never sent us a statement for our first payment. I finally found the number for the company, and when I called, I just made a payment over the phone. That is pretty unprofessional. Then, I called in XXXX 2015 to make a payment, and it stated I had " {$0.00} Minimum Payment Due '', so I assumed I had already made the payment. Then, a month later, I get a letter slapping us with more late fees, and they removed all of the available credit we had, so we were technically in the negative. I tried to transfer my Yard Card balance to a XXXX XXXX and the payment was accidentally sent to the incorrect address, so I, along with a representative from XXXX XXXX XXXX, did a 3 way conference call with a representative from Yard Card to sort the matter out. We told them what happened ( the payment was sent to an address for the company who ISSUES Yard Card, which is T.D. Bank N.A. ) and they provided the rep from XXXX with the correct address to send the balance transfer check to. My payment was due on the date we spoke with the Yard Card rep, so I asked if they would be willing to waive the late fee since I had never requested a late fee removal before. The " supervisors '' refused to waive the late fee, and said XXXX was responsible for reimbursing me because their balance transfer check was sent to the wrong address. SO, I went on my way and waited for the other check to be sent to Yard Card from XXXX to pay off my balance. My due date approached AGAIN ( a month later ), and I called Yard Card because they were still showing no balance transfer. They immediately sent me to the collections department, and told me that they do n't accept balance transfers. They only accept payments from a personal checking account! WHAT?! Someone literally talked to me AND a XXXX rep regarding the balance transfer. I requested to speak to a supervisor and the rep from Yard Card said there were " no supervisors '' ( although I had spoke to one the first time I called about this balance transfer ) and she refused to let me talk to someone else. She said the only thing she could do for me is " take my payment '' and I was given incorrect information regarding them accepting balance transfers. I kept telling her I needed to speak to a supervisor or I was reporting them, and she did n't seem to care. She just rudely sent me back to the main line that says : " For instructions in XXXX please press XXXX. Please enter your account number '' so she did n't have to deal with me being right and her being wrong. So here I am again, with a payment due that I was n't planning on having to make today. {$240.00} worth to be exact. I am beyond upset. This company is giving people the run around and they need to be shut down. I wish I would have looked at the reviews online before agreeing to finance through them. So many people are having the same problems as we are. I am appalled and upset ... .and I 'm a pretty calm person. They are crooks and try to collect as much money as they can from people, while being very unethical. I am not perfect by ANY means, and I have had a couple instances where I was a day or so late on payments ( either from calling the automated system too late or not noticing my payment was due on a weekend day ). I just want my balance transfer accepted so I can get rid of Yard Card! XXXX sent them a check - how hard is it to deposit a check? I 'm pretty sure they are ruining our credit score now as we speak. PLEASE help me resolve this matter. They are preying on innocent people and need to be shut down! **Discover is currently doing an investigation on the matter and filed a dispute*
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-15

East Windsor, NJ

Advertising and marketing

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-03-14

South Chatham, MA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-14

Eugene, OR

Credit line increase/decrease

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-14

Beaverton, OR

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-13

Nyc, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: I applied for a {$250000.00} HELOC. I have stellar credit. My assets and equity each are considerably higher than the loan amount. Everything seems to be fine. I receive a phone call giving me a rather vague explanation as to the reason for the loan declination. Though coincidentally in the days before this, I had revealed in conversation that I was going to visit family and friends in a XXXX country. After some pressing, I was given the ridiculous excuse that our building lacked the XXXX % owner occupancy that TD Bank now stated that they required. That was news to me, as they had gone through every step along the way prior to this. The revelation of this requirement was shocking to me, as this a fundamental point that is discussed in the preliminary stages, particularly in regards to coops. I believe that this alone is an ECOA violation in addition to equal opportunity to minorities. A quick phone call to my buidings management office revealed that our building was XXXX % owner occupied. Not only did TD Bank not reconsider this XXXX % margin, but they have refused to send me the reason for the declination in writing or where this unreasonable prerequisite is stated. TD Bank knew full well that I had waited until they had all of my documentation and they had assured me that all was fine, before I was to submit the application to my building 's coop board, along with the {$400.00} finance application fee they required. Reckless? Criminal? XXXX? We have nearly XXXX apartments in our coop, and a loan of this kind had never been rejected. My more than adequate salary, assets, equity and XXXX plus credit score aside.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-03-13

Jacksonville, FL

Billing disputes

Credit card:

Complaint: Target Redcard is reporting false credit information to the following Credit Bureaus : XXXX, XXXX and XXXX. I filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016 : Case # XXXX Target Redcard reported that I was 30 days past due as they did not get my payment for XX/XX/2016. I have XXXX accounts with Target RedCard. They reported past due Since my Chapter XXXX Bankruptcy on XXXX XXXX, 2016 I was not obligated for future payments and the XX/XX/2016 payments were not due and they reported past due.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-03-12

Newnan, GA

Bankruptcy

Credit card:

Complaint: In XXXX 2015, I faced a Chapter XXXX bankruptcy after years of financial hardships due to unemployment. My TDRCS/Rooms to Go account was a part of the bankruptcy to be reaffirmed at the principal balance of {$300.00} after removing several late payment fees. The account was paid in full, as agreed, in XXXX 2015. However, after over 6 months of repeated correction requests, TDRCS/XXXX continues to report inaccurate information to the credit bureaus in violation of the Fair Credit Reporting Act. First, they reported the account was included in the Chapter XXXX and not reaffirmed. Now, they report the account as paid but with a negative payment history from XXXX 2015 to XXXX 2015. The account was no longer past due after the XXXX 2015 bankruptcy filing, was reaffirmed, and paid in full as agreed.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-03-12

Flushing, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Some body took it total money from my credit card withdown my outhorizationn now is invertigation for 3 months and I do n't receive any answer from the Bank.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-12

Oxford, GA

Credit line increase/decrease

Credit card:

Complaint: I have been a Target REDcard Visa cardholder since XX/XX/XXXX. My credit limit on my account was {$2700.00}. I have always maintained my account in good standing. I paid my account down to a XXXX balance in XXXX XXXX and did not use the card to make purchases for more than a year. Target updated their cards with the new chip technology and mailed me a new card to activate. Upon activation I noticed that Target had reduced my credit limit from {$2700.00} to {$200.00}. When I called Target to inquire as to why my credit limit was reduced, I was informed that Target 's company policy allows them to reduce and/or close cardholders accounts after 13 months of inactivity. I was floored. I asked to receive this information in writing and was told that Target can not send me this policy that apparently is tied to my credit agreement with them in writing. Essentially, Target is penalizing cardholders for NOT using their available credit AND they are NOT informing cardholders that this is a requirement or part of their credit agreement. By reducing my credit limit from {$2700.00} to {$200.00} Target has now negatively impacted my creditworthiness and credit score with consumer reporting agencies and said that in order to keep the account open I have to purchase something on the card. This is a deceptive, very predatory and unfair business practice! How can Target be allowed to do this? I was never notified that I was in jeopardy of my credit line being reduced or the account being closed due to inactivity. I 've been a cardholder for almost 10 years and now I am being forced to incur additional debt when I do n't want to or have the account closed by Target which will significantly and negatively impact my credit score.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

Ridley Park, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

Hamilton Grange, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

Hillsborough, NJ

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-11

Bronx, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-11

Manhattan, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-10

Chapel Hill, NC

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-10

Medford, NJ

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response