TD BANK US HOLDING COMPANY

2016-03-02

Odell, OR

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-02

Key Biscayne, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Fed up with XXXX XXXX charging excess overdraft fees I open up a checking account at tdbank. In one month tdbank charged me {$250.00} in overdraft fees and XXXX of them occurred when I was transferring money from XXXX account to another account over the XXXX XXXX weekend. TD Bank twice charged me overdraft fees on the same day I got a direct deposit I spoke to the bank about it and while they promised to refund XXXX of the overdraft fees they still have n't done it. I am really fed up by being ripped off by Bank XXXX XXXX XXXX XXXX and now TD Bank. I am guessing I 'm not the only person who 's really angry about the exceessive fees being charged. I did not receive a bail out for extravagant behavior. I understand about the practice of reordering withdrawals so that banks can charge excessive overdraft fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-02

Jamaica, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-02

Philadelphia, PA

Customer service/Customer relations

Other financial service: Refund anticipation check

Complaint: I filled out the wrong acct # on my Tax Return and did not catch the error until the day the IRS send the money and the money was deposited into someone else 's acct. We notified TD Bank immediately of the error. TD Bank confirmed that they have the money and its is currently on hold but refuses to send it back to the IRS. The IRS says that the only way to reissue the money is for TD to return it back to them however they will not. I am at a total loss as to why they will not return the money and I need help. TD Bank is unwilling to do anything. The IRS said that this happens frequently as they often get wrong information and the Bank always returns the money. I have spoken with many employees at TD Bank and they have all said the Bank should just return the money until they get to the ACH department and that is where the refusal happens, the Customer Service Employees are told unless the IRS asks for the money back there is nothing they will do. I have spoken to the Banking Commission, FDIC, IRS, XXXX and several others all have said the Bank needs to return the money. TD Bank will not allow me to speak with anyone in the ACH Department. I am at the end of my rope as to what to do. I am placing this formal complaint against TD Bank for holding money with full knowledge that it does not belong to them and needs to be returned to the IRS for proper distribution. Please HELP!!!!!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-02

Key Biscayne, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Hi, TD BANK FALSIFIED DOCUMENTS AND BANKING TRANSACTIONS IN ORDER TO PROFIT WHICH IS AGAINST THE LAW UNDER THE FCC LAWS. TD BANK CHARGED ME {$150.00} NSF FEES FOR A MISLEADING BANKING TRASACTION THAT TD BANK SAYS WAS {$250.00}, BUT THE TRANSACTION WAS ACTUALLY {$140.00}, THEREFORE TD BANK LIED IN ORDER TO PROFIT AND THEY MANIPULATED THEIR BANKING SYSTEM IN ORDER TO PROFIT BIG MONEY FROM LOW INCOME FOLKS LIKE ME FOR THE PAST YEAR. NOT ONLY DID THEY MANIPULATE THEIR BANKING SYSTEM BUT THEY ALSO COMINGLED THEIR FUNDS REPEATEDLY WITH MY ACCOUNT IN ORDER TO PROFIT. I HAVE REPEATEDLY REQUESTED FROM TD BANK TO SPEAK TO THEIR CEO, AND TD BANK DENIED ME THIS REQUEST. ******TD BANK NEVER RESPONDED TO ME OR RESOLVED MY LAST COMPLAINT WITH CFPB AGAINST TD BANK. ******* TD BANK SHOULD BE SUED IN COURT AND FINED AGRESSIVELY FOR A COMPLETE REFUND TO ME FOR FRAUDENTLY COMINGLING FUNDS AND MANIPULATING THE BANKING SYSTEM. TD BANK FRAUDENTLY overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions so that my account would incur NSF fees totaling {$150.00} which far exceed the amount of the total of my transactions which totaled {$30.00}. They also switched the amount owed from {$250.00} to {$150.00} to trick me, the account holder, into believing that I owe more to TD BANK when in fact I owed less. This is excessive behavior and abuse of power. I filled out paperwork for them to not approve any overdraft fee payments. TD BANK CONTINUED TO PAY THEM EVEN THOUGH I INFORMED THEM AND FILLED OUT PAPERWORK THAT I DO NOT WANT TO PAY IT. TD BANK LIED AND INFORMED ME THAT I FILLED OUT THE WRONG PAPER WORK, BUT THEY WERE THE ONES THAT GAVE ME THE PAPERWORK TO BEGIN WITH, SO THEY KNOWLINGLY GAVE ME THE WRONG PAPERWORK TO FILL OUT SO THAT I COULD INCUR MORE FEES WHICH IS A VIOLATION OF CFPB LAWS. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with AND filled out an application stating that I DO NOT WANT THEM TO PAY IT. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees TO PROFIT. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department / CEO because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department / CEO found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$250.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission. THESE EVENTS TOOK PLACE FROM XXXX XXXX, 2016 TO XXXX XXXX, 2016. Also, When you call their customer services reps, their reps do n't even understand their manipulative banking computer system because if you check each recorded phone call conversation that I MADE TO TD BANK, I HAD TO ASK FOR A SUPERVISOR BECAUSE THE BANKING CUSTOMER SERVICE REP WOULD SAY THEY DO NOT UNDERSTAND WHAT IS GOING ON WITH MY ACCOUNT.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

Conway, SC

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-02

El Paso, AR

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: I financed a car years ago from Chrysler Credit Motor, the car was repossessed and was sold for more than what I owed on the car. It shows on y credit report loan was paid off. Now years later when I filed my income taxes they are withholding my refund stating it was for payment of the sales tax that was owed on the repossessed car. I do not understand how this is possible because I would not have been able to tag and register the car if the sales tax was not paid or why it has not came up in the past years since the car was repossessed..
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-02

Ft Myers, FL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Customer ordered appraisal with TD Bank and was charged for the appraisal. Customer decided to proceed with another mortgage company who proceeded to get the appraisal transferred. After numerous hours on hold and several unanswered emails TD Bank finally sent loan officer email about a week later stating that TD Bank does not transfer appraisals.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have a checking and savings account with TDBank. I filled out overdraft protections forms when I opened my accounts and XXXX other times at branches. They keep bouncing my checks that I have more than enough money to cover. They have reported me to XXXX and are destroying my credit. This morning they refused to cash a check I wrote for {$1100.00} at the XXXX XXXX XXXX Bank even though I have over {$140000.00} in liquid assets at the Bank with no holds on my money. They can offer me no explanation why this is occurring. They now say that AGAIN they have lost my over draft protection documents which have been in place for the last 6 months and again are denying checks for NSF. They are just horrible to deal with. The average wait time on the phone is over 60 minutes each time I call them.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Miami, FL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-01

Chicago, IL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-01

Allenwood, NJ

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-03-01

Carver, MA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: My wife and I bought furniture at XXXX/Ashley Furniture XXXX on XXXX XXXX, 2014. We agreed to a 20 month promotion with which we misunderstood the " no interest '' aspect for an initial total of {$10000.00}. We made a payment every month of at least the minimum required, including a {$5000.00} payment last week. It was the interest charged line item on our last bill of {$3700.00} that is the reason for this complaint. Yes, shame on us for not scrutinizing the fine print on the initial paperwork and the monthly bills, but, in our defense, we have never had a transaction like this. I can not believe that it is legal for XXXX/Ashley Furniture/XXXX to charge 28.99 % interest in accordance with their convoluted Finance Disclosure Form concerning Deferred Interest with Payments. We are in our XXXX worked as professionals all of our adult lives ( I am still working full time XXXX ) and feel that we have been taken advantage of because we are busy. This type of promotion is deceptive and fits the definition of usury.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-03-01

Narberth, PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2016 I opened a account at TD Bank XXXX XXXX XXXX, XXXX, PA XXXX, AND FOR 3 WEEKS NOW I HAVE BEEN BOMBARDED AND THEN REBATED ( -AFTER COMPLAINING - ) WITH OD FEES! And then Bombarded again!!! 3 weeks in a row. ALL with no access to a account statement! On-line or otherwise. BUT NEVER FULLY MADE WHOLE BY THIS BANK! AND THEY DO N'T SEEM TO CARE AND JUST PASS THE BUCK!! The Customer service rep XXXX XXXX. I have learned is part time and in college. When I inquired about my Paychecks and availability, I was advised by XXXX that my XXXX check deposits would be available the next business day. NOT 3 BUSINESS DAYS! XXXX ALSO did not go over the following items with me when I opened the account : 1 ) XXXX XXXX was not explained nor was I alerted to the policy. 2 ) Deposits - A Payroll check made on Friday when I asked I was told those funds " would be available " Next business Day and/or Monday ''. - NOT WEDNESDAY of the Following week! As is the case with this bank it appears ... 3 ) I was told that On-line banking was simple to Set-up, but when I went home and tried to, I had had several " authentication '' problems and long 15 minute waits on the Customer Service HOT-LINE and gave up.Only to find out later that I was given an incorrect Temporary password for setting up my account. Again, when I called the hot-line for assistance, it was impossible to get through. Just a advertising soundtrack that repeated itself many times over and over. I gave up after 15 minutes on hold. 4 ) OPT in- OPT out was NOT Explained on XXXX, XXXX, but by a Supervisor at a store local to my job in another town - I work XXXX to XXXX at XXXX - when I visited the bank after the trouble started ... Notwithstanding the above, I would like to pursue a remedy to the Overdraft charges that occurred in the first 10 days within opening of this account. I feel cheated out of my money because I could not view my on-line statements for the first 3 weeks upon opening this account. I would have been able to take proper action to avoid these overdraft charges. After visiting the bank and describing why I felt something was wrong with my account - I was {$110.00} in the negative at this time.- to a XXXX XXXX XXXX XXXX Supervisor. She rebated me XXXX or {$70.00} in overdraft fees. I still had not seen a statement of my account, nor been able to set-up on-line banking. She advised me to call a NEW number. This did work and I spoke to a man named XXXX. He apologised for all the inconvenience and advised me he would further rebate a additional OD fee that XXXX XXXX had overlooked. Finally after going on line and reviewing my account, it became apparent to me that " next business day '' did not apply to this account!! And I was being penalized to the tune of {$35.00} a pop for {$7.00} worth of coffee and cigs, when in reality the funds were sitting right there in my account BUT NOT CLEARED BY TD BANK as I was advised upon opening the account.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-29

West Newfield, ME

Settlement process and costs

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-29

Stkn, CA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-29

Lb, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My credit card company called me.in XXXX 2015 to report a fraud alert. I confirmed the fraud purchases totalling {$600.00}, yet they never took the fraudulent purchases off my statement and continued to charge me interest after I disputed the charges. I have written to them 3 times and never received a response. Ive emailed them requesting written responses and they say my only option is to call them ( which would leave no documentation ).
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-02-28

Bayway, NJ

Advertising and marketing

Credit card:

Complaint: TD bank sent an offer for a card that has XXXX cash rewards for the 1st 6 months on gas, dining, cable, phone, and utility bills and XXXX on other items. They also offered {$200.00} cash back if {$500.00} was spent in the first 3 months. I applied on line ( XXXX XXXX, 2016 ) for this card by going to the website on the offer and putting in the code in the letter. When I received my statement, I noticed I was given points instead of cash back. I called and was told that the card that I was offered discontinued on XXXX XXXX. The card they gave instead has a lot less benefits and only {$100.00} cash back after spending {$500.00} in the first 3 months. I spoke to someone on XXXX XXXX when I applied for the card and asked about the {$200.00} cash back and verified that this was correct along with the XXXX cash back on specific items for 6 months. Why are they allowed to send offers for cards that they are discontinuing? Now I have a credit card that I do not want but can not cancel because credit bureaus give bad makes for you to cancel a card. And I might have trouble applying for another card that I would like because of the credit limit they gave me. I think this id false advertising.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-27

Ridley Park, PA

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-26

Decatur, GA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-26

Camarillo, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-26

Mem, TN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-02-25

Framingham, MA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-25

Lansdale, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-25

Lakeview, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response