TD BANK US HOLDING COMPANY

2016-01-07

Greenville, SC

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-07

Stafford, VA

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Somers Point, NJ

False statements or representation

Debt collection: Auto

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Foothill Ranch, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: In XXXX 2015 my Target REDcard store credit card was declined at a Target store. It turned out that I had missed my XXXX 2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XXXX XXXX, 2015 ). When I went online to pay the bill, I saw a message that Target was " actively collecting a debt. '' ( Yes, after only missing XXXX payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from " XXXX XXXX '' XXXX stating that they were " trying to collect a debt. '' I 've received four such messages since then, including today ( over two months since paying the debt in full ) and the messages sound like robocalls and are very generic ( not stating my name or the name of the merchant they are calling on behalf of ). I do not currently owe debt to Target or to anyone else. I pay my accounts in full and on time. " XXXX XXXX '' is therefore making continued attempts to collect debt I do not owe. I have not returned their calls because of this fact and I would like their calls to stop.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

Kagel Canyon, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-06

Halyoke, MA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My parents bank with a well known bank that I will not name as fear of retribution. My name was on their account. My parents were scammed out of close to {$30000.00} dollars. The bank manager told me she tried to stop my parents and told my father to " call one of your children '', and yet, never picked the phone up to call me. And yes, they admit to " some mistakes were made '' but that is not good enough for me. I would like to see that the banking industry do more to protect this vulnerable population. I would like to see that steps be put into place that when a family member calls to alert any bank that they suspect their family members are being scammed, as I did twice and messages were taken and yet no one ever got back to me, that a " different drop down list comes up '' and they are sent to the banks fraud department, before, not after the fraud has occurred as what happened in my situation.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-06

MA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: We were charged overdraft fees on multiple transactions from our checking account with TD Bank. And then we were charged an overdraft fee ... on the overdraft fees. Prior to any of this happening, we elected to decline overdraft protection on our accounts so the charges should have never gone through in the first place and should have been declined, as per our agreement with TD Bank, at the point of sale. Additionally, the charges were never actually posted to the account. They were Pending charges, we noticed that our account would become overdrawn if we did n't deposit money, so we transferred money into the account from our TD Savings account, prior to all of the pending charges actually posting. Our checking account was never actually underfunded. TD Bank manipulated the posting dates and times of the transactions so as to charge us the greatest number and amount in overdraft fees ... even though the debit charges should have been declined entirely at the point of sale because we do not have overdraft protection on our account. About half of the charges have been reversed, but we are still waiting on getting the rest of the charges reversed. We have spoken to at least XXXX employees of the bank, all of whom say that they do n't personally have the authority to reverse the charges, and that they must get approval from their higher level manager. This has been going on for over a week now.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-05

East Brooklyn, CT

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

San Jose, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-05

Charlotte, NC

Forbearance / Workout plans

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Jupiter, FL

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-05

Cranbury, NJ

Billing statement

Credit card:

Complaint: I opened a Target Red Card account on XXXX/XXXX/15 and set up an automatic payment program with my bank checking account at TD bank on XXXX/XXXX/15 to pay for any balance due on my Target Red Card. The Card company failed to draw monies from my bank account to pay for a balance due and kept imposing late payment penalties and interests on my Card account without my knowledge for several months. I found out this problem on XXXX/XXXX/15 while I was going to purchase something by using my Target Red Card that was rejected. I have never received any e-mail alert/statement or paper statement of my Card account balance due from Target Red Card company before XXXX/XXXX/15.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-04

Coral Springs, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Somers Point, NJ

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-01-04

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Franklin D Roosevelt, NY

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-04

Queens, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I 'm basically filing this complaint against TD Bank, just to set the record and get the facts straight with the following situation : On XXXX/XXXX/15, I went to the XXXX, XXXX XXXX XXXX TD Bank branch to make a deposit so that I would n't receive any overdraft fees but when I got there I discovered the branch 's ATM was malfunctioning and not accepting deposits. At that point in time I realized I was not going to be able to make it to another TD Bank branch by the cut off time of XXXX XXXX, to avoid being charged several overdraft fees. So at that point in time I called TD Bank 's XXXX customer service number and after waiting for over half an hour, I was finally connected to a live TD Bank customer service representative. I explained what had happened and that same TD Bank customer service representative told me that I had nothing to worry about as long as I made the deposit at another TD Bank branch, on that same day, before XXXX, and he assured me that he was going to note my checking account so if by chance I did receive any overdraft fees, they would be instantaneously reversed/refunded due to the malfunctioning ATM, which the TD Bank customer service representative clearly and endlessly kept referring to as a bank error. So the next day on XXXX/XXXX/15, I received {$140.00}, worth of overdraft fees so I called TD Bank 's customer service XXXX number back and I explained my situation, especially the note that had been placed on my checking account the day before by the another TD Bank customer service representative, to the new TD Bank customer service representative that picked up my call. After reviewing my checking account, the new TD Bank customer service representative told me that the note never mentioned, authorized or suggested that any overdraft fees should be reversed or refunded. So I quickly requested to speak to a supervisor. So after going back and forth with the TD Bank customer service representative and supervisor and also after they both, together, reviewed my checking account several times, they reversed/refunded the {$140.00}, worth of overdraft fees. But they stated to me that it was being done as a courtesy and that 's why I 'm filing this complaint. It should 've never been labeled, noted, called, referenced or posted in my checking account 's notes as a courtesy reversal/refund, it should 've been labeled, noted, called, referenced and posted in my checking account notes as a malfunctioning ATM bank error. I once again find myself in the same situation with TD Bank 's customer service department : I would like to know which XXXX of the XXXX TD Bank customer service personnel I spoke to and with over the phone on either XXXX/XXXX/15, or XXXX/XXXX/15, was once again very disrespectfully and unprofessionally misleading, misinforming and with conviving intentions, purposely lying to me????
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-03

Superstition Mtn, AZ

Other

Credit card:

Complaint: Hello, I have been a client with Target since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-01-01

Nashville, TN

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-01-01

Bedford, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have disputed this Target account multiple times. This company has claimed they would resolve my complaint if I returned the fraud affidavit. They have already received it and have done nothing, claiming they still do n't have it. This account is fradulent and harming my credit. I have incurred damages and intend to sue within 60 days if this is not removed from my report immediately.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-01-01

Cheverly, MD

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I sent a complaint about TD Bank on XXXX/XXXX/XXXX regarding being charged an overdraft fee when I deposited money into the account before the fee was given. Today, XX/XX/XXXX, they ( TD Bank ) deducted the maintenance fee of {$8.00} and because the overdraft was not returned I am put back into the negative ( - {$2.00} ) again.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Astoria, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Evesboro, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Huntington Park, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-31

Jupiter, FL

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response