TD BANK US HOLDING COMPANY

2016-02-25

Laurel, NY

Closing/Cancelling account

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-24

Bronx, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2016 I was charged XXXX XXXX $ overdraft fees totaling XXXX $ for charges to my TD checking account. My available balance was XXXX $ and I had a XXXX $ pending charge in my account, which I had time to make a deposit to cover the extra XXXX $ which I did at XXXX on XXXX. I was unfairly charged XXXX $ for charges that were in fact covered because I had the available money in my account to cover them ( XXXX, XXXX & XXXX ) and after my balance was XXXX. TD bank has charged me 5 times the amount that my account was overdrawn for and I think its absolutely absurd! These banks are getting away with charging its customers for fees that are not right and its very upsetting. I am closing my account with TD bank and I will tell everyone I know not to ever bank with them, because they are crooks!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-24

Moapa, NV

Billing statement

Credit card:

Complaint: I am being denied access to an itemized credit card statement by Target Redcard, which I need for tax purposes. Both paper and electronic statements simply list " transaction '' and the total amount spent rather than the individual items. I was told by customer service that they can not provide me with the itemized statements although I can inquire about a particular purchase, which is unhelpful to me for tax purposes. Do I have a right to an itemized statement?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-23

Omaha, NE

Credit line increase/decrease

Credit card:

Complaint: It is impossible to speak with someone about my credit, credit limit, etc. or get any questions answered about the Target Red Card. All of the information about whether or not I can receive a credit limit increase, etc. is confidential, and can not speak to anyone about it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-23

Dixmont, ME

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-23

NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I notified TD Bank in writing that I filed a Chapter XXXX Bankruptcy Petition in the XXXX XXXX Bankruptcy Court on XXXX XXXX, 2016 in case no XXXX and that they needed to stop plundering my bank accounts in overdraft charges, finance fees, and other plunders because my XXXX checking accounts ( ending in XXXX and XXXX ) were both in the negative and they needed to cease and desist. However, in direct violation of the federal automatic bankruptcy stay, these criminal bankers continued to plunder my bank accounts anyway, with {$35.00} here, and {$75.00} there, and {$100.00} there etc, over and over again, to the tune of almost {$1000.00} in fraudulent bank charges which have driven me even further into debt, thus not even allowing me to pay my child support, food bills, and other important things. Even though I called them repeatedly and spoke to someone named XXXX in the XXXX branch who said she was a supervisor on or about XXXX XXXX, 2016, she cruelly and meanly told me she did not care about my bankruptcy and that she would not be returning any of these ill-gotten plundered bank fees and charges to me, and that they would stay as the property of TD Bank. Because of this behavior, and if I do not get a response soon, I will be filing a contempt of court motion against TD Bank for criminal and civil sanctions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-23

Flushing, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-23

Lafayette Hl, PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I 've been a customer of TD Bank NA ( formally, XXXX XXXX ) for more than a decade. Now TD Bank said they will close my accounts for no reason. I depend on over XXXX vendors and bill pay and automatic debits to use my accounts and XXXX of TD Bank. Also, some accounts are with my partners. They can not be closed. Please look into this and keep all my accounts OPEN. There are no issues nor concerns.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

E Fairfield, VT

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-22

Staten Island, NY

Credit determination

Credit card:

Complaint: I filed an application for a credit card after receiving an email inviting me to open a credit card from TD bank. A week late I received a denial letter from them for the reason stated on their letter of " your income is not sufficient in relation to your amount of debit '' and also stated that my credit score is XXXX. I was astonished by that since I am debit free. They stated on the letter that they got the information from XXXX agency report. I then thought that I probably became victim to identity theft. I then downloaded my credit repot from XXXX website and printed out. The report showed no debit at all in contradiction to what TD bank claim. On XXXX XXXX I called TD bank credit dept. to discus the matter and to ask them to fix this issue. I spoke to costumer service who said her name was XXXX and declined to state her last name. She offered me an apology and nothing else. She asked me to contact XXXX and I tried to get her to be logical saying that I downloaded their report about my credit history and I have it in my hand right now so please go over the line which state that I have any debit and let 's go over it together but she did n't do it simply because the reason they claim does not exist. My discussion with her was to no avail and she declined to put her supervisor on the phone with me. Now I am filing this complaint to bring this institution 's mater to light as I felt discriminated against and insulted by their declining me a credit card.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-20

Hokendauqua, PA

Money was not available when promised

Money transfers: International money transfer

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-20

Maynard, MA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2016 I deposited my pay check and on XXXX/XXXX/2016 authorized ACH transaction Of {$20.00}, {$50.00}, & {$50.00} and it presented to bank next day I.e XXXX/XXXX/2016 my td bank looked to grab the opportunity and cleared my check on XXXX/XXXX/2016 and charged me fees of {$100.00} When I complained the bank reversed {$35.00} .I have never opted in for any overdraft protection but I believe bank delayed clearing my check so to charge overdraft fees.pls help is it legal. Thank you for attention
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-20

Chicago, IL

Billing disputes

Credit card:

Complaint: Hello, I received an email on XXXX stating I needed to make a payment : Statement Balance : {$350.00} Payment Due Date : XX/XX/XXXX Minimum Payment Due : {$100.00} I not sure if they are charging me a late fee? How can Target report me for a late payment and send the account to collections when I have been paying the account. This has also lowered my credit score. I tried to talk to the company to correct their oversight, but they have informed me their is nothing they can do. I made a payment on : XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT I received a letter that my account went to collections. I called the Target to correct the matter on XXXX. I was told that they will not correct their report to the credit Here is all my payment history : XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT XX/XX/XXXX {$100.00} ELECTRONIC PAYMENT XX/XX/XXXX {$170.00} ELECTRONIC PAYMENT XX/XX/XXXX {$370.00} ELECTRONIC PAYMENT XX/XX/XXXX {$290.00} ELECTRONIC PAYMENT XX/XX/XXXX {$190.00} ELECTRONIC PAYMENT XX/XX/XXXX {$520.00} ELECTRONIC PAYMENT XX/XX/XXXX {$50.00} ELECTRONIC PAYMENT XX/XX/XXXX {$180.00} ELECTRONIC PAYMENT XX/XX/XXXX {$95.00} ELECTRONIC PAYMENT XX/XX/XXXX {$35.00} ELECTRONIC PAYMENT XX/XX/XXXX {$220.00} ELECTRONIC PAYMENT I 'm not sure if I have been charged a late fee but if I have I would like that money returned ASAP.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Palmetto, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-19

Detroit, MI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: On XXXX/XXXX/XXXX Target the account was transfer/Sold to XXXX XXXX Debt Collector. XXXX XXXX tried for a year to collect on a Debt I was in disagreement about the amount. XXXX XXXX was not able to come up with documentation on how I owed XXXX. I was told by FTC that they must produce documentation on this debt I owe. I call Target and they was not able to give information on debt. The XXXX creditors took this debt off my credit report. On XXXX/XXXX/XXXX a default judgment was place against me and on XXXX/XXXX/XXXX I went to court about XXXX XXXX XXXX garnish my bank account. The judge place a judgment against XXXX XXXX for the debt and to immediately release all withheld funds to plaintiff and shall continue withholding and payment of funds as previously order by the court. On Transunion Credit report the Target the date it was open was on XXXX/XXXX/XXXX, date of last payment was supposedly been XX/XX/XXXX, the last payment was XX/XX/XXXX, I had a credit limited of XXXX my argument with the XXXX creditors was how could I charge XXXX in 7 months. Target was not able to produce any information so the credit companies took it off my file. XXXX XXXX buys the debt from XXXX XXXX. XXXX XXXX files a Summon and Complaint against me on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the summons expires. I find out about this lawsuit on XXXX and was not able to go present my side because I was not properly served by the officer of the court. I went in and put in a motion to set aside the default judgment and the judge denied giving me another court date. I done my research and XXXX XXXX XXXX is the subsidiaries of XXXX XXXX XXXX , XXXX who was sued for fraudulent behavior and my intuitive spirit keep telling me the paper work XXXX XXXX XXXX paper work that was given to me is not correct because the target account number is blot out with a black marker and the XXXX XXXX XXXX XXXX is blot out with a black marker and that seem unprofessional and suspicious to me. And the affidavit do n't state how they came up with the amount I owe on this debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-19

Huntsville, AL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-18

Bayonne, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-18

Phoenix, AZ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-18

Arsenal, PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Hello, I recently opened a TD US account via phone. I was given an account number, routing number at the end of the phone call. I provided my address in the US and also my XXXX Address for them to send my " welcome '' packet. When I got home I transferred XXXX usd to that account via external transfers. This was XX/XX/XXXX. The money left my XXXX account and has been in limbo since. I also transferred another XXXX on the XXXX. Neither of these transfers ever hit the account, or were credited as the account was never " activated '' because I did not fill out the signature card as it was sent to my US address. I 've had numerous bank representatives call the TD us account, I 've called at least 4 times, we 've had TD north sent my signature card to them. I 've been told something different every time I 've called. I even had a bank manager call a supervisor and was assured that she could fax the signature card and the account would be activated and the XXXX would be credited. I placed another call today to TD and taked with a XXXX employee number XXXX in XXXX , Maine , and he now stated that TD US could not accept a Signature card from a XXXX TD b/c I was an American citizen. This is the first time I 've heard that after dealing with this for almost XXXX weeks. So basically I have XXXX dollars in no mans land, TD wo n't accept it, but wo n't send it back to my XXXX XXXX account. I called XXXX and they 're stating that it could be another 10 days until I receive my funds back. This is XXXX not acceptable. I need my USD back in my XXXX account ASAP/today. Simply put, not one bank rep knew what they were talking about, and I 'm the one that has to pay the price. PS this XXXX rep from TD was probably the worst customer service experience I have ever had in my life. I spoke to him at XXXX XXXX/XXXX/2016
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-18

Louisville, KY

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: The finance institution, TD Auto Finance, said I was late 24 months out of 72. Based on the records they sent I had XXXX double payments starting with XXXX XXXX, 2008. XXXX payments were sent and they charged interest on both payments. In the double payment months only XXXX payment should have been charged interest and the total second payment should have been applied to the principal. To get the pink slip for payoff to release the car, they said I owed XXXX ( XXXX in interest, XXXX for late charges ad XXXX attorney fees ). According to their paper work the loan was off in advance. The have overcharged me the XXXX in interest and three months payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Staten Island, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Passyunk, PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Santa Maria, CA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Bohemia, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response