TD BANK US HOLDING COMPANY

2016-02-17

Manhattan, NY

Account opening, closing, or management

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-17

Nappanee, IN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I filed Chapter XXXX in XXXX XXXX, and my case was discharged on XXXX XXXX, XXXX. TD Bank XXXX was included in my Chaper XXXX and was paid in full by the Trustee for my car loan. I called TD Bank on XXXX XXXX, XXXX to have my car title released to me. I spoke with numerous customer service reps. who assured me that it will sent to me. I finally received it in XXXX XXXX. I have been trying to get incorrect information on my credit report removed since XXXX XXXX, XXXX. TD Bank XXXX is reporting that I have been 30 days late for XXXX and XXXX XXXX. I have been working with XXXX in the Bankruptcy Department since XXXX XXXX, XXXX to get this corrected. She was able to get my title finally sent to me in XXXX XXXX. I have not been able to have these false late payments removed as of yet. Per TD Bank XXXX, they have 30 days to remove this information. Thirty days have now passed and I am being told that they have corrected the information in my credit file and to just wait. I have called XXXX, pulled my credit report and to date the corrections have not been made. They also had another account on my credit report and removed it in two days because I only had XXXX account with them. This too was a mistake they made, but corrected it in a timely manner. I was not discharged until XXXX XXXX, XXXX and can not be reported late for XXXX, XXXX XXXX. They have explained that this is indeed their mistake, but have yet to correct it within 30 days. My patience has been exhausted and I was told to call a week from XXXX XXXX, XXXX and they will look into it. XXXX XXXX would be a week past the 30 days in which I was told it would all be cleared up. Thank you for your time.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-16

Bayview, SC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-15

Fountainville, PA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-15

Key Biscayne, FL

Other

Credit card:

Complaint: By mistake, I schedule payment of my monthly amount due to TD Bank. Unlike other credit cards sites, I was not warned that I was scheduling the payment twice. I noticed that money was removed from my XXXX checking account twice on XXXX XXXX, 2016, so I called TD Bank and asked them to send me the full duplicate amount back. Since I do n't have a checking account with TD Bank, representative told me it would take them from 2 to 3 days to send me a check. As I did not get a check, I called them again last week, and was then told that it takes them 8-10 days to send the check. It 's been over 10 days, I am yet to get a check, and when I called them today, they could not tell me when the check will arrive. Please help me.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2016-02-15

MA

Problems when you are unable to pay

Consumer Loan: Vehicle lease

Complaint: I am filing this complaint against TD Auto Finance regarding a TD Auto Finance account that was charged off. I originally filed a dispute with Equifax regarding the date of first deliquency that was inaccurate on my XXXX credit file in XXXX XXXX. I disputed this 3 times with XXXX. The first results came back from charged off to " Pays as agreed ''. Confirmation # XXXX. It actually states date of last payment in XXXX XXXX. I disputed again requesting the date of first deliquency and the results came back as charged off again. I then called TD Auto Finance myself and they told me they are unable to tell me the date of first deliquency because their records do not go that far back. I again disputed with XXXX and the results returned back to " Pays as agreed ''. I looked at my XXXX credit report almost two weeks ago and XXXX has now reinserted charge off status. They never informed me in writing of the reinsertion. Now on my XXXX file this account shows in the 81 month payment history that the account was charged off XX/XX/XXXX, it clearly shows in the payment history that in XXXX XXXX there is a 60 day late. The line item section of the report states date of first deliquency was XXXX XXXX, but charged off XXXX XXXX. Makes no sense and is inaccurate. I called TD AUTO a second time and refused to help me. XXXX is blaming TD Auto even though it 's clear the information is inaccurate and refuses to delete even though it has passed time to fall off the reporting. XXXX reinserted a charge off status and never informed me of doing so. XXXX and TD Auto must delete this from XXXX immediately. See attahment regarding this very serious issue. In conclusion The date of first deliquency is infact in XXXX XXXX and was actually charged off XXXX XXXX ( See Attachment ).
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-15

Oxford, GA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: My husband opened a XXXX XXXX XXXX account for our daughter with XXXX Bank. Last known statement was sent to our address in XXXX, GA in XXXX. We have since moved to a couple of different addresses and lost track of the account. Our daughter is now scheduled to graduate on XXXX, XXXX. We located the last known statement dated XXXX XXXX/XXXX/XXXX ) and called TD Bank to inquire about the funds. XXXX Bank was bought by TD Bank in XXXX. TD Bank states that they do n't have any record of our account because it must have been dormant prior to their acquisition of XXXX Bank in XXXX. TD Bank suggested that we call the State unclaimed property department in Delaware, Maryland and Georgia. I contacted the unclaimed property in the States mentioned and they do n't have any record of the account being sent to them. The State of Delaware informed me that they would need a letter from TD or XXXX Bank stating that account funds were sent with associated details before further research can be performed. TD Bank is stating that they ca n't help, because there is n't any current record of the account. This is a good bit of money and my daughter needs it desperately to get into college. Can someone from TD Bank please pull the account history from archive and explain what happened to the account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-14

Glen Burnie, MD

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-14

Ridley Park, PA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-13

Newark, NJ

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TD Bank, XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX, XXXX XXXX : Loan number XXXX To whom it may concern : Last week I received a notice from TD Bank stating that my loan payments are past due. I have spoken by telephone with TD Bank representatives numerous times in the past year to dispute late-payment fees and repeated claims that I am behind on payments, and we have gone over my loan-payment history, which shows that the total amount I have paid since I took out the loan is sufficient to cover every month through the end of XXXX, and yet I am still being harassed by such claims and fees. Upon reading the latest notice, I called TD Bank yet again, and was told this time that TD Bank has received no payments from me since XXXX XXXX. I acknowledge that I did not make a payment for XXXX - the reason being that I have been in full-time job-training classes since XXXX and currently have no income other than inadequate unemployment compensation - but according to my records TD Bank processed the payments I made for XXXX, XXXX, XXXX and XXXX XXXX. In view of the fact that for the first 48 months of my loan I made payments in full or above and on time, even for eight months after losing my full-time job in XXXX XXXX, I believe I deserve some accommodation now that my only income is unemployment compensation that barely covers groceries and auto insurance premiums. I have asked that payments I made in excess of the monthly amount due between XXXX XXXX and XXXX XXXX, which add up to {$410.00} over the total due, be applied to XXXX XXXX, which is the fair way to count how much of my loan I have repaid to date, but my requests have been ignored. As of today i called and I was told that I have not pay XXXX/XXXX/XXXX. according to my record I made XXXX payment on XXXX and check number XXXX was cash on same day. every day I do call TD bank is always same story. I have been told to go to XXXX at my local TD Bank branch in XXXX, New Jersey, sit with authorized person to review my account with me but was not success, so I would like someone who is authorized to meet with me in person and go over all of these issues. I also notice that the report that TD bank submitted to XXXX and XXXX are untruth. On XXXX/XXXX/XXXX, XXXX history report in outstanding balance of {$5300.00}. According to my record balance is {$4400.00}, without XXXX/XXXX/XXXX payment once I pay XXXX my balance will be {$4000.00}. Please update my account records.I sent this copy to TD bank they still want to claim what they want and I 'm paying my bills I do not know what they want. they keep on sending me all these letters. Please someone read what I wrote to them and explain what I 'm saying. Sincerely, XXXX XXXX XXXX
Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-13

Bozeman, MT

Billing statement

Credit card:

Complaint: We ( XXXX and XXXX XXXX have a Target Red Card, which we pay off each month, usually paid via auto-pay. Our XXXX/XXXX/XXXX statement ( attached ), disclosed a {$540.00} auto pay due XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX made a return of {$42.00}, reducing the balance to {$500.00}. I did not trust the auto pay function to only deduct {$500.00} ( I 've had trouble with it before when returns have been made ), so I logged in XXXX, set up a one-time payment of {$500.00} to occur XXXX/XXXX/XXXX, and turned off auto pay ( so I thought ). On XXXX/XXXX/XXXX, the one-time payment of {$500.00} deducted ( as authorized ), but an auto-payment of {$240.00} ALSO was deducted! This amount was for ALL charges NOT YET BILLED on the statement that did n't drop until XXXX/XXXX/XXXX ( also attached ). In short, Target auto deducted charges which had not yet been billed, thereby denying us a minimum 21 day grace period before the due date. This auto deduction was entirely a surprise, and caused a real pinch in our finances. Thankfully, we had funds to cover it, otherwise an overdraft would have occurred. All correspondence with Target ( which occurred through their " contact us '' feature on the website ) is attached. They do not understand that they took immediate payment without having first billed us for the purchases, causing us to have no grace period before payment was due! This is in violation of the CCARD Act of XX/XX/XXXX, the the Federal TILA, as well as being an unfair practice under UDAAP. Even if I erred in turning off the auto payment properly, there is no way it should have deducted charges that had not been billed ( and in fact, had just posted that very same day XXXX/XXXX/XXXX )! Target 's auto pay function caused us harm we could not avoid, and I imagine the same thing has occurred to other consumers too.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-13

Birmingham, AL

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-12

Chester, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-12

Fort Myers, FL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-02-12

Patterson, MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened up an account over the phone with TD Bank. The person I spoke to said that I can take care of everything over the phone. She said in order for that count to be activated I need to deposit money. I decided that I did not want to use TD Bank and call to cancel the account they said they can not verify who I am over the phone as the account was never activated. They said that if I keep the account that says I will be getting charged fees for not having the minimum balance but they would still not be able to close the account for me over the phone.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-12

NC

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I received notice XXXX that an account was opened up in my name at TD Banknorth.I called them and was told that there was no money deposited in that account.This morning I received another XXXX notification that on XXXX/XXXX/XXXX another account at that bank was opened again. I called and was told to fill out a fraud notification before they would go ahead with any investigation.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-02-12

Houston, TX

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Hollywood, FL

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-11

Feasterville, PA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-11

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-10

Hillsdale, NJ

Disclosure verification of debt

Debt collection: Credit card

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

Disputed: No Timely Response

2016-02-10

Oaklevel, VA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had tried to open an account online and my initial deposit did not hit the account. I then received a letter saying my account would be closed because my initial deposit was not made, instead of closing the account they left the account open and kept charging me fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-10

MN

Late fee

Credit card:

Complaint: Credit card company stopped sending bills monthly but instead sent bills out sporadically and after payment was due so that we had fees and interest charged on multiple occasions.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-02-10

Wallington, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-02-09

Washington Green, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response