TD BANK US HOLDING COMPANY

2016-01-27

FL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-27

Hicksville, NY

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I took out a $ XXXX personal loan with TD Bank which was funded on XXXX/XXXX/2014. Since that time I 've made extra payments in excess of my minimum amount due each month which I wanted to be applied to Principal only and was told there was no systemic way to do that and I had to call each time a payment was made for them to apply it to principal. I 've done that several time throughout the life of this loan but there is no way for me to verify that it has been done correctly or if at all since they do not provide a monthly statement with the activity nor does their website have this information. There is absolutely NO transparency regarding my loan at all. I feel that I am overpaying and being unjustly penalized because they can not process my payments according to my direction.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-26

Dowling Park, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-26

Hillsdale, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-26

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-26

Goodison, MI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-26

Plattekill, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Euclid, OH

Privacy

Credit card:

Complaint: I received a TD Bank Privacy Policy Disclosure for my Target Red Card. Offered is the option to call XXXX to opt out of " opt outable '' sharing. It is an automated system. I firmly believe it was designed to be difficult to understand what/how to opt out of sharing. After I pressed XXXX, XXXX and XXXX the line was disconnected. I then called Target Customer Service regarding this. They did opt me out of sharing personal information I am able not to share. I advised I believed the automated system was purposefully misleading.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Jackson, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Mem, TN

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Bohemia, NY

Problems caused by my funds being low

Bank account or service: Other bank product/service

Complaint: I paid off my TD Bank overdraft protection in full as stated online. Thursday XXXX/XXXX/2016 I checked my account Monday XXXX/XXXX/2016 and found I had remaining balance of XXXX I paid that amount only to find the same day another XXXX was tacked on after I made the required payment. This has happened on multiple occasions. It is a rip off of peoples money. If a payment is made the bank should not be allowed to ask for more money than originally requested on multiple occasions. I have even called the bank previously to get the amount owed. It was told to me and I paid it only to find the same thing happen. TD bank is robbing people.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-26

Addisleigh Park, NY

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-25

Chula Vista, CA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-25

Flushing, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-25

Los Indios, TX

Billing disputes

Credit card:

Complaint: I purchased a XXXX XXXX for {$330.00} and XXXX PET Ugly Sweater with Candy Cane for {$7.00} and a 3 year Target warranty for {$45.00} and taxes of XXXX was the total..ordered on XXXX. Target delivered to XXXX XXXX????? XXXX in XXXX XXXX???????????? They ( Target ) made an error and shipped o the wrong person and address of a person and state i do not live in!!!!!!!!!!!!!!!!!!!!!!!!!! They will only refund me {$330.00} and are charging me the difference for their MISTAKE!!!!!!!!!!!!!!!!!! No refund for sweater, warranty and taxes!!!!!!!!!!!!!!! Target is a bunch of crooks and i will TELL all my friends to NEVER EVER use this place! I had to go to XXXX and buy the mixer and it arrived in XXXX says!!! and at the correct address i might add.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-25

Brooklyn, NY

APR or interest rate

Credit card:

Complaint: Almost 1 year ago I purchased furniture on credit card XXXX ( TD Bank NA ) .Account number is XXXX. XXXX/XXXX/2016 I made the last payment XXXX , after this payment my account balance became XXXX . At XXXX/XXXX/2016 I called to costumer service by number XXXX, spoke with representative XXXX at XXXX and closed account. After, I received e-mail that informed me that I have to pay {$700.00} interest at XXXX/XXXX/2016. But at that time my account was fully paid off and closed, and I did not have to pay any interest, because I had no interest charge for this account for 1 year. This is attachment from what I see for today : Trans. Date Post Date Ref. Number Description Plan ID Amount XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX BILLED DEFERRED INTEREST CHARGES ON PURC XXXX XXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-24

West Newfield, ME

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-01-24

Hutchinson, KS

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-24

Quartzsite, AZ

Arbitration

Credit card:

Complaint: Target store,,, is trying too collect debt from me, ,the Target Card, ,was used by my ex-wife, ,yrs after our devorce ; ; I paid off in full, ,the Target Card, in XXXX..was then divorced that year, ,she opened, ,or continued using my name, ,so Target billed me, ,now using a collection company, too call me, send me bills, ,an reports me, too credit companies, ,thus putting my scores at ''poor '' I want them too remove this illegal debt, from my credit reports
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-24

Wallington, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I bank with TD Bank and have my mortgage, checking and savings accounts with TD Bank. When I moved from one address to another, I updated my address by calling TD Bank 's customer service, however, the agent failed to update my address for mortgage account while he updated it for my savings and checking account. TD Bank received undelivered mail for my mortgage account and never bothered to inform me through email or phone both of which they have available. In the meanwhile, the monthly mortgage payment went up from {$1000.00} to {$1000.00} due to change in escrow, hence increasing the payment by {$22.00}. I had an automatic payment set up from my TD Bank checking account to TD Bank mortgage for {$1000.00} monthly and was never made aware of the change in payment. I happened to see the change XX/XX/XXXX, almost 8 months after the change and called up TD Bank. They had by that time charged me several fines of {$33.00} each, used my payments for payment of additional principal pay downs and in ways that even customer service agent also could not fully explain what the algorithm used for my payments. In any case, I brought myself up to date by paying the fines and made the additional payments in XX/XX/XXXX and requested that I be paid back the fines and my credit report be corrected. I have maintained a large balance in checking account at TD Bank and there was always sufficient cash available in the account to pay the additional {$22.00} per month. Since I have been a customer of TD Bank for over 8 years, I thought it would be a simple thing to get my credit corrected and fines credited back to me after the bank looks at the circumstances. However, TD Bank refused to do so. I strongly believe that the issue arose because of their customer service agent 's mistake and second because they failed to inform me when they were getting my mail returned to them. I would appreciate if you will take up the matter with TD Bank and have the matter sorted out. I would like to have fines returned and most importantly my credit corrected.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-21

Bristol, RI

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-21

Finksburg, MD

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Dear CFPB, I had a checking account with TD Bank. I had a positive balance with {$500.00} in my account. I did not use my account for almost a year and then I received a notice that I owed TD bank {$450.00} dollars. My account was closed and it was sent to collection agency. Unfortunately, TD bank is not helping me, even though this was probably their error or mishap of information ( stolen check or identity ). I am kindly requesting CFPB to please ask TD Bank to please probe my account and see who used it and why I owe them {$450.00}.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-20

Jersey City, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Briar Park, NY

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-20

Forked River, NJ

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response