TD BANK US HOLDING COMPANY

2016-01-14

Princeton Jct, NJ

Deposits and withdrawals

Bank account or service: Cashing a check without an account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Ridley Park, PA

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Burlington, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Babylon, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: THE DECEPTION OF TD BANK I submitted an application for a collateral loan with my passbook savings account as the support. The loan amount was {$5000.00} over 36 months. The payoff was completed in 15 months and to my surprise, my collateral was not in existence any longer. Why is a collateral in place when there is no intent on the lenders part to reinstate the original property?
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Bronx, NY

Problems caused by my funds being low

Bank account or service: Savings account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-14

Bloomfield, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-13

Washington, DC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had spoken with a representative to close my account. The account was not closed and kept getting charged maintenance fees without my knowledge, eventually causing it to overdraft. I found out about the overdraft via a letter received on XXXX XXXX, 2016. I visited a branch on XXXX XXXX, 2016 to speak with a representative to try to resolve the issue. I was informed that the account had been charged off on XXXX XXXX, the same day I received the overdraft notice.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-13

Houston, TX

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: In XXXX of 2007 I purchased a vehicle which I financed with Chrysler financial. the federal fair credit reporting act says that the consumer reporting agency/must remove all derogatory items after XXXX years. this negative item should be removed from my credit report asap. I payed XXXX for XXXX months which amounts to XXXX, the vehicle was sold for XXXX which was a total of XXXX. this should immediately be removed from my credit report. it is the responsibility of both the credit reporting agency and the business to remove this from my credit in a timly manner.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Simpsonville, SC

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-12

Kendall, FL

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-12

UT

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: XXXX-target continues to verify their account on my XXXX credit report even though I have reported to them through all XXXX credit reporting agencies, that fraud existed on their account. I have included XXXX police reports with my identity theft disputes. XXXX police report is from XX/XX/XXXX when I noticed that identity theft had occurred, while I was out of the country. The XXXX report was filed XX/XX/XXXX to continue to investigate identity theft, as my license had been used in traffic violations. Target reported in XX/XX/XXXX, through CFPB that my account was at a XXXX balance until XX/XX/XXXX, at which time, fraudulent activity was made on my account. The account must be removed from my XXXX credit report. My target account was withdrawn from my XXXX report, & blocked from my XXXX report.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Coram, NY

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-11

Patterson, MD

Rewards

Credit card:

Complaint: I applied for and received a TD Cash Rewards XXXX XXXX credit card in XXXX XXXX. On XXXX/XXXX/XXXX I received the card in the mail. The letter I received from TD Bank stated that I would earn 5 % cash rewards on eligible retail purchases ( defined as dining, grocery, gas, cable, phone and utility bill payments ) during the first XXXX billing cycles, up to {$450.00} cash back ( a copy of the letter is attached ). When I called to activate the card I was also informed that if I spent {$500.00} in the first 90 days I would receive a {$200.00} cash bonus and a XXXX Galaxy Tab 2 tablet. I received my first statement on XXXX/XXXX/XXXX and did not receive the 5 % cash rewards I was promised. I called TD Bank on XXXX/XXXX/XXXX and spoke to Floor Supervisor XXXX XXXX. I was told that the card had been " coded incorrectly '' so I was only receiving 2 % cash back on " eligible purchases '' ( defined as dining, grocery, gas, cable, phone and utility bill payments made using the card ). XXXX XXXX told me that the account would be recoded and that I would definitely receive the 5 % cash back along with the {$200.00} bonus and tablet. She said that she would call me back in 7-10 business days. I contacted TD Bank again on XXXX and was told that XXXX XXXX had not received a response from corporate and that I would hear back within 5 business days. I received my second statement on XXXX/XXXX/XXXX and again did not receive the correct 5 % cash back on eligible purchases. I spoke with TD Card services on XXXX and was told that XXXX XXXX had still not received a response from corporate and was resending her email to them. At this point I have exhausted my patience.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2016-01-11

CT

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: TD BANK HAD AN ONLINE PROMOTION EXHIBIT XXXX AND IT WAS A {$150.00} BONUS IN 60 DAYS OF FULLFILLING REQUIREMENTS.FIRST WAS TO USE THE ONLINE PAGE TO APPLY, AND HAVE XXXX DEBIT TRANSACTIONS WITHIN 60 DAYS.I COMPLETED ALL THE EXACT REQUIRENENTS AS MY EXHIBITS SHOW CONCLUSIVELY. AFTER 60 DAYS NOTHING SHOWED UP AND I CALLED AND SENT EMAILS AND TRIED TO VISIT A BRANCH THAT WAS UNEXPECTEDLY CLOSED IN THE MIDDLE OF THE DAY.IT IS YOUR BASIC SCAM OF PHONE TAG WITH XXXX EXCUSE AND LIE AFTER ANOTHER WITH MANY, MANY REASONS FOR YOUR NOT QUALIFYING FOR THE BONUS, EVEN THOUGH YOU DID ALL REQUIREMENTS AND ALL THE PHONEY EXCUSES THEY CAN ATTEMPT, IN ORDER TO DISCOURAGE OR CONVINCE YOU THAT YOU ARE NOT ENTITLED UNDER THE CONTRACTUAL AGREEMENT TO THE BONUS. IT IS LIKE TREDDING WATER TO SPEAK TO ANYONE AT TD BANK TO RESOLVE THE MATTER, SINCE IT IS A CORPORATE MINDSET TO BE UNETHICAL AND THINK NOTHING OF BREACHING AGREEMENTS EVEN IN THE FACE OF OPEN AND SHUT EVIDENCE.I TRIED FOR QUITE AWHILE TO GIVE THEM A CHANCE TO DO THE ETHICAL AND LEGAL CORRECT THING, BUT THEY REFUSED OVER AND OVER. SO, IT LEFT ME NO OTHER CHOICE THAN TO SUBMIT MY CASE TO YOU FOR RESOLUTION.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-11

Norwalk, CA

Other

Credit card:

Complaint: Target report me to credit agencies for a card my adult son XXXX XXXX obtained and did not pay. This is illegal and Target is refusing to do anything. I am ill and can not have this occurring especially now. XXXX just called and told me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-11

NY

Incorrect/missing disclosures or info

Money transfers: International money transfer

Complaint: I had money transferred from a foreign account in XXXX to our ( my wife 's and mine ) checking account in the US. The incoming wire transfer was recorded on XXXX/XXXX/2015. Our bank applied an interchange rate of XXXX. However, between XXXX and XXXX, the recorded interchange bank rate on publicly available forex sites was never fluctuating below XXXX ( XXXX = XXXX US ). Based on the applied interbank rate, we lost ca. XXXX US- $ to the bank. After following up with our bank, we discovered that since it is not a regulated part to the banking business, that banks apply the interbank rate they deem appropriate to make money. However, we are already paying money in regards to sender 's fee and other. At the same time, a similar transfer at a lower amount in XXXX was n't subject to the same interbank exchange rate. The rate was the same as the information shared by XXXX trade sites.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-10

Bossier City, LA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-09

West Newfield, ME

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-09

VA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am an account holder for my personal, business and Interest on Lawyer 's Trust Account ( IOLTA ) accounts. In addition, I have a joint account with my husband, XXXX XXXX. My husband also has a separate account and we have XXXX savings account for our children. All of these accounts are with TD Bank. I am astonished at how many overdraft fees that have been charged to my accounts. The following fees have been accessed since XXXX of XXXX : Business checking assessed {$18000.00} XXXX Simple Checking assessed {$3100.00} XXXX simple checking assessed {$3700.00} After reviewing all of our accounts, we are outraged at the amount of insufficient funds we have been charged on these accounts. I have numerous times demanded that I be removed from the overdraft protection on all accounts. Several times it was never completed. Finally, in XXXX of XXXX I again asked to be removed from overdraft protection because charges were allowed to go through when funds were not available in the account and I would be charged an overdraft fee for each of those transactions. I was told I was removed only to find out as of today more numerous overdraft charges are still being assessed to my account. When I called today to protest the representative informed me that I was not " fully '' removed from the protection. I demanded an explanation as to why I was n't " fully '' removed on all of my previous attempts. She did n't have an answer and actually hung up on me. I have learned from your representatives and from my own research that TD Bank is notorious for running larger amount of transactions first and then running all the lesser amounts so that more transactions can be assessed the overdraft charge of {$35.00} for each transaction. These transactions are usually in the tens of dollars and often as little as a {$1.00} and for each transaction I have been charged {$35.00} in transaction costs, totally over {$25000.00} in overdraft fees. This is outrageous. I can not imagine how TD Bank is permitted with federal oversight to engage in such price gouging. I also can not imagine this has n't received more attention from consumer advocacy groups or even account holders.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-09

Plymouth, FL

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Complaint: My loan matured in XXXX XXXX. I first contract TD Bank in XXXX of XXXX for an extension of my mortgage loan. In short, they have taken over a year and now refuse to renew my mortgage loan which I have paid perfectly for 10 years. In addition, they informed me that I would be approved for a deed-in-lieu of foreclosure but refused to waive the deficiency balance and/or present terms of repayment for this balance. The deficiency balance would be roughly $ XXXX. They are stating that the value of the property is $ XXXX. We originally acquired the property in XXXX for $ XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-08

East Rockaway, NY

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-08

Orlando, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-08

TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I opened an account with TD Bank. I moved out of the area ( from XXXX to XXXX ). I called to close my account. I was told that I could not close the account over the phone -- I had to mail a notarized letter to close the account. The letter had to be sent to the branch where I opened the account but the representative could not tell me where I opened my account for security purposes. It 's been years since I opened the account and it was in XXXX -- there are dozens of possible locations. I guessed as to which branch I opened the account at and I sent a notarized letter via certified mail, which was received on XXXX XXXX, 2015. It has been two months. I have called several times, both to the branch and the normal customer service line. Nothing has changed and I still do n't have my money.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-08

DC

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: In XXXX 2015, my banking information was somehow compromised, and {$560.00} was fraudulently taken from my TD bank checking account through an old XXXX account. When this fraudulent charge occurred, it caused my checking account to have a negative balance. I then received XXXX overdraft fees totaling {$140.00} for purchases that were already pending on my account at the time of the incident, and had no access to any of my funds for over 3 days. XXXX customer service refunded me the {$560.00} the next business day. However, TD Bank, refused to give me the {$140.00} in overdraft fees back, saying in error had not been made, since my account was negative ( even though the charges that caused the negative balance were fraudulent ). This is the most insane thing I 've ever heard a bank tell me. Customers should n't be held liable for expenses occurred during fraudulent charges, and in doing so the bank attempted to profit from a situation that I had no control over. I had to fight with TD bank for almost a month to recoup these fees. I encountered the most indignant, unempathetic, and rude, customer service that I have ever experienced in my life. I called customer service over six different times, and visited a branch in person on three separate occasions in attempts to settle this incident. Every employee that I encountered, including supervisors, were extremely rude and told me that " the overdraft fees were not their problem ''. When I spoke to an employee over the phone and told him that this was TD banks problem to fix, your employee rudely balked back " No, it 's your problem since it 's your money ''. Additionally, no notes were ever made on my account ( after it was promised that it would be ) which meant I had to retell each TD phone customer service representative the 10 minute background narrative, over and over again with each new call. Not knowing where to turn, I eventually conducted a three way phone call with XXXX regional supervisor and a TD Bank supervisor. During the call, the TD bank supervisor argued with XXXX claiming that THEY needed to give me the {$140.00}. XXXX responded that they could not give me money back that they did not take in the first place. XXXX refunded me the {$560.00}, but TD bank issued the {$140.00} charge. TD Bank owed me the reimbursement. After an hour on the phone with the XXXX representatives, the XXXX supervisor warned that TD bank was opening themselves up for a lawsuit - profiting from a fraudulent charge is against the law. Only at that moment did TD Bank finally agree to refund me my {$140.00}, but this was not done with an apology or remorse. The supervisor continued to act like a favor had been done. I asked TD bank to keep the accounts open until my upcoming paycheck posted ( direct deposit ). TD Bank then opened and closed my checking accounts and debit cards 3 separate times without notice over the next two weeks which caused my paycheck to be lost for days. I closed the checking and savings accounts at the XXXX location on XXXX/XXXX/15. My third account with TD bank, a money line of credit, had a balance when I closed my checking and savings account. I paid it off in three weeks, and have been trying to close this account ever since. I have now requested for my TD bank money line account to be closed at least XXXX times - in person, via email, and online. I 've sent numerous emails, faxed a letter from a physical branch, mailed a letter to their headquarters, and messaged the bank through their online message portal. XX/XX/XXXX I received a bill from TD bank stating that I owed them XXXX dollars by XX/XX/XXXX for the money line account annual fee. This is absurd. I have been trying to close this account for months, and have documented proof. I am not paying a annual fee for an account that is only open because TD is attempting to hold it hostage.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-07

Conway, SC

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response