TD BANK US HOLDING COMPANY

2015-12-24

Houston, TX

Transaction issue

Credit card:

Complaint: Target Red Card reported delinquent payment due to insufficient fund to the Credit Bureau which resulted in massive downgrade in the my credit score. The issue aroused because the payment has been taken out from my savings account as opposed to checking account. Although, the account has been initially set up as savings account by me, the credit card issuing company 's system does not provide any visible indication what type of the account the payment account is set up. It also does not provide that information in their payment confirmation detail. Without sufficient disclosure of where the payment is being taken out, the burden is on me to try and remember what account was set up initially ( which could be many years prior ). This is an undue burden upon consumer. The credit card issuing company 's system need to be fixed and confirmation details also need to be updated to reflect the payment sources. Without it, the consumer is on the dark and unnecessary fees and credit reporting issues is being incurred.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-24

CT

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: XXXX XXXX i received a charge on my account form XXXX ( furniture rental ) for XXXX that was not valid. i filed a dispute that they stated would take up to 10 business days. they came stating i needed to provide documentation that this charge was not valid. but did not ask the vendor to provide documentation that it was.!!! of course they bounced everything in the account that would have been more than covered if the unauthorized charge was not there! the manager at the branch allowed me to withdraw cash pending dispute resolution which i appreciated or else i would not have been able to buy gas or food .. when i called about it i was hung up on by a rude rep who got upset when i asked to speak to a supervisor. This dispute is not being handled correctly or fairly because the bank does not want to refund XXXX in fees. then on XXXX/XXXX/15 and XXXX/XXXX/15 i was charged XXXX in fees because of the way the bank posted the payments they bounced out charges for XXXX XXXX XXXX and XXXX to be able to charge the XXXX per day max -- then did it again on XX/XX/XXXX i spoke to a supervisor on XXXX/XXXX/15 who told me the the end of the business day is XXXX so slot of what they charged me fees for technically posted before the end of friday 's business day!!!! the way they handled those fees was underhanded! i asked for documentation for the charges to dispute the fees and was met with resistance. i want documentation about those charges and posting since i am not ok with paying XXXX in additional fees when at most i should have paid XXXX possibly XXXX. Also when i filed a dispute the last time i had a problem with the bank i was told each office has a budget for fee refunds and it took almost 2 weeks to get the refunds i was due since they has to go to other offices who had more money in their budgets for fees.!!!!!!!!!!!!!!!!!!! that is absolutely ridiculous if the bank is wrong and a refund is owed then pay it!!!!!!!!!!!!!!!!!!!! they should not be able to limit how many funds they refund if the BANK IS IN THE WRONG!!!!!!!!!!!!!! i would also like to know the legality of that policy as well. i want the dispute handled the correct way
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-24

SC

Payoff process

Credit card:

Complaint: ON XXXX XXXX I went into a local branch to make a payment so it would be credited quicker.I was advised by the banker that the best way to get this done would be to make a payment through the internet on their website as I have always done. Nothing has changed and I used the same bank I always do. I was advised when calling customer service it could take up to XXXX hours and in addition this was part of their disclosures. I had to make this payment quickly but thinking this would be good on Friday the XXXX at latest I was fine with this. I have a contract with XXXX XXXX as we own a franchise that requires payment be made promptly. If not they have the right to take our franchise away. At the very least it would be a professional embarrassment. XXXX XXXX XXXX the check was cleared and the money removed from the bank I do business with. XXXX XXXX XXXX XXXX to have this charged and was denied. I quickly checked my balance which showed a hold on the account even though the money was taken from my account. I called customer service was advised the calls could be recorded or monitored which is totally fine with me. I spoke to several customer service personnel, including ( after numerous request and lack of customer service XXXX Customer service supervisors and purportedly management. I expressed my frustration requested a call back from corporate and needed an immediate remedy to this issue. I spoke to a XXXX at XXXX and was told she is the customer service manager. I faxed her proof at XXXX PM of the check clearing my account, and proof that I had more than sufficient cash flow and balances to take care of any issues. It was only a {$1000.00}, but I needed the availability. I was also told by TD Bank that if I had a bank account with them they could lift this hold. THIS IS LIKE BLACKMAIL IN THAT THEY WOULD ALLOW IF IT WERE THEIR BANK AND UNILATERALLY DISALLOW A VALID CLEARED CHECK NOT TO BE CREDITED. i WOULD THINK THIS IS A XXXX BANK VIOLATION YET THEY HIDE BEHIND THE FACT THAT THE XXXX GIVES THEM THE RIGHT TO HOLD MY MONEY UP TO EIGHT BUSINESS DAYS. The customer service manager XXXX assured me she had the authority to have this cleared earlier once she verified the funds were clear. SHE never did as on the XXXX I was again informed that it shows on their records that it was credited yet nowhere no how was the merchant XXXX XXXX Corporate able to get this through. My money was taken, cleared and never credited. If they do this to all their clients or have the ability it could amount to millions of dollars which they use, it could result in bullying the public or compelling them to open up bank accounts with TD Bank, worse such as myself it will cause tremendous embarrassment, loss of a business relationship or horrible consequences such as I have been placed into as a result of their unethical procedures. I have kept detailed logs as to who I have talked with. I attempted to have this escalated and all I have been told after calling back and speaking to another XXXX was that no one else was available and it is BEING ADDRESSED. This is improper and to be quite honest I was told the hold was until the XXXX XXXX. Now I am being told that the manager XXXX had to leave on a family manager that Tierra ( number XXXX XXXX the alternate manager could do nothing further and that XXXX did everything she should. I did not receive a courtesy call and I was the one who had to reach out. I asked if there was anything I did wrong or could do differently and was told that TD Bank at anytime BY RANDOM CHOICE could restrict credit from a payment ( even if it cleared ) and there was no way to prevent this. I have been given wrongful advice by customer service, branches, management and personnel. I would immediately close my business with them but by eliminating available credit it will damage my credit scores and further damage me.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-23

Three Bridges, NJ

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-23

Succasunna, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I went away to college last year and opened my first student checking account at TD Bank. When I attempted to login to online banking through the TD website, I was encouraged to sign up for an overdraft protection program. I could n't figure out how to " get out of that '', so I signed up. Shortly thereafter, I overdrafted my account and since I was unaware that it happened, I overdrafted again the next day. A week later, TD notified me, via US mail, that my account was overdrawn and I owed {$140.00} in fees. My mom helped me get {$70.00} waived, and the customer service agent we spoke to unenrolled me from the program. Fast forward to a few weeks ago, and the exact same thing happened again. When I asked, I was told that I never unenrolled from the program. However, when I called the corporate XXXX #, I was told that I did unenroll back in XXXX 2015, but the next time I logged into the online system, I re-enrolled. XXXX different stories from them plus I NEVER re-enrolled in this crazy program - I believe their bank system somehow did that. I also believe that TD targeted me as a student who is just learning how bank systems operate and, being a low-to-no income person, this is truly not fair. My entire last paycheck went to paying TD 's fees - and the amount I overdrafted was a measly {$13.00}. Can anything be done about this unfair, misleading and discriminatory practice?
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-22

West Brandywine, PA

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Blackbird, DE

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-22

Hollywood, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-22

Boston, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-22

Forked River, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Stroudsburg, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-22

Sun City, AZ

Payoff process

Credit card:

Complaint: I obtained a " XXXX Card '' credit card from Target stores. I believe the card is owned by XXXX. I 've been trying for over a week to pay my balance of {$84.00} but they wo n't allow me to pay in cash or credit card. And are now attempting to collect late fees on the money they refute to accept. I moved and am changing banks and been asked repeatedly for my routing number. I do n't have a number for them until I have a permanent address. I 've bee told, after hours on the phone, three times to visit Target 's customer service and pay my bill with cash or credit card. I was even given a reference number to use. They have told me, by phone, I owed {$86.00}, then {$130.00}, then {$84.00}, then {$110.00}. Yesterday I was at target 's customer service on the phone with XXXX for 2.5 hours. They will not accept my payment and are in the process of charging me late fees, even though they are the ones not accepting payments even of cash.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-21

Conway, SC

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-12-21

El Paso, TX

Making/receiving payments, sending money

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-21

Yarmouth, ME

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-19

Ampere, NJ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-19

NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Alachua, FL

Problems caused by my funds being low

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-18

Fort Lee, NJ

Account opening, closing, or management

Bank account or service: Cashing a check without an account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-18

Cooper, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Rockville, MD

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-18

Three Bridges, NJ

Other fee

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Bronx, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-18

Using a debit or ATM card

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-18

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response