TD BANK US HOLDING COMPANY

2015-12-18

West Salisbury, VT

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I wrote a check drawn on my TD Bank checking account ( XXXX Vermont branch ) on XXXX XXXX, XXXX in the amount of {$25.00} to the XXXX XXXX XXXX. The check was altered to {$250.00} by an unknown third person and presented for payment eight months later in XXXX, XXXX. The forged check was honored by TD Bank on XXXX XXXX, XXXX, as reflected on my monthly statement of account. My wife, XXXX XXXX, a co-owner of the account, filled out an Affidavit of Forgery on XXXX XXXX, XXXX and provided it to TD Bank Customer Service Representative XXXX XXXX. XXXX XXXX indicated that the matter would be forwarded to TD Bank Global Security and Investigations-US. After I heard nothing for 30 days, I called TD Bank Global and spoke with call center supervisor XXXX XXXX. He indicated that the investigation will take 30-90 days, and he will monitor the situation weekly for me from his location in XXXX. I heard nothing, and called again on XXXX XXXX, XXXX, and spoke to XXXX at Ext. XXXX. She refused to give me her last name, but told me XXXX XXXX would call the following day. He did not call. On XXXX XXXX, XXXX, I called again, and spoke with XXXX XXXX. He indicated my case was # XXXX and was assigned to XXXX XXXX at XXXX, and that she would call me. I spoke with with XXXX XXXX. She repeated what I previously had been told several times. My check was altered and presented to XXXX XXXX, which honored it, and presented it to TD Bank, which also honored it with my funds, even though it was obviously altered and presented for payment 8 months after it was written. I told XXXX XXXX I understood TD Bank had a subrogation claim against XXXX XXXX, but I did not want to wait any longer to be reimbursed by my Bank while it pursued XXXX XXXX. She promised that {$250.00} would be credited to my account. This conversation occurred several weeks ago. A XXXX TB Bank teller told me yesterday that no credit had been posted to my account. The TD Bank voicemail advertises the it provides " Legendary Service. '' I have been a customer of TD Bank, and its predecessor, XXXX XXXX, for more than 40 years. I feel I have been treated with indifference and unprofessionally by my Bank. I want my account credited with the {$250.00} that was forged against my account and honored by my Bank.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-18

Bedford, TX

Credit determination

Credit card:

Complaint: I am a victim of identity theft. I have been disputing a Target account that does not belong to me.Account # XXXX. This account is in dispute with all XXXX credit bureaus as well as Target, and several government agencies. Target then, knowing the account was in dispute, CHECKED MY CREDIT. They had no authorization to do this.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-12-17

Chester, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-17

Naugatuck, CT

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-17

Philadelphia, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-17

Weston, CT

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Dear CFPB : My husband and I applied for a refinance with TD Bank, where we have our accounts, of our XXXX XXXX XXXX home loan for our house XXXX from a 30-year mortgage to a 15-year loan. We submitted all the forms to TD. The first issue that was problematic was that the loan officer, XXXX XXXX, repeatedly filled out inaccurate information on our loan documents including inaccurate salary information and insurance and tax rates, and was very difficult to reach to correct the problems. While we were working to get her to correct the information, TD Bank sent us a letter that our application was denied because the bank 's appraisal of our home came in much lower than was necessary to approve the loan based on equity in the house. The appraisal was much lower than market price, lower than the town appraised our home at for tax purposes, as well much lower than an appraisal that was conducted six months earlier. Nevertheless, because the bank denied our refinance application to a 15-year loan as submitted and it would cost us additional money to contest the bank 's appraisal and request another XXXX, we requested the refund of the fees we had paid for our original request because it was denied by the bank. There is absolutely nothing in the TD loan document paperwork we signed that said these fees were nonrefundable. ( There was a special notice to XXXX residents but not to XXXX or homeowners in other states. ) In fact, bank representatives assured us our fees would be refunded if we had gotten all the information to the bank in a timely manner -- which were did -- but the bank denied the loan and that if we were n't denied, we 'd be able to receive a {$700.00} closing credit because we had submitted all our paperwork in a timely manner. Instead we are stuck with a {$600.00} charge on our credit card by the bank. By not disclosing that these fees for the appraisal report and credit report were nonrefundable -- no matter whether the bank approved the loan or not -- the bank is engaging in false and deceptive advertising of its refinance loan products and services. We request CFPB contact TD Bank to have our fees returned but also to correct this deceptive marketing issue for all other customers as well.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-12-17

Hamburg, NY

Other fee

Credit card:

Complaint: I am holding a REDCard credit card XXXX Target ) issued by TD Bank. I had an automatically payment associated with my XXXX bank account. Since I moved XXXX on XXXX, I am gradually switching to use my XXXX bank account. I am plan everything carefully ahead of time. On XXXX XXXX, I added my XXXX bank account as the default account for automatic payment, but for some reason, their online system did not allow me to delete the old account. I think it should be fine, since it clearly showed that my new bank account is the default, which, should be used as the first priority of course. I am dealing with XXXX every day, I know the XXXXprogram should always use the default XXXX out of so many choices. However, shortly after XXXX 2015, I found out they actually still billed it to my old bank account ( XXXX bank XXXX, obviously they had been rejected since I had already stopped all payments from with that bank account and were going to close it soon. Apparently their computer system had some bugs and wo n't switch to the default account. But it is unfair to charge my XXXX $ return payment fee plus XXXX $ interest~! What make it even ridiculous is their inconsistent service. I called them on XXXX XXXX, XXXX a lady told me the return payment fee is cleared after she had a long talk with her supervisor and asked me to made the payment by phone. When I called the next day XXXX XXXX XXXX, 2015 ), none of the agents in TD bank said they could see the reversed fees and they are supposed to do reverse any such fees? I talked with XXXX of the supervisors, XXXX, who said they wo n't disclose their last name or their employ ID to people. She said she is going to find out who talked to me the previous day, but wo n't give me my money back although she said it is NOT my fault! Anyway, I ca n't believe TD bank or Target set up such a silly system to fool people. Even if their system did not work right, they still want to charge their customers. I want to ask my money back. Beside I want their apology for their stupid and irresponsible system and services.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-12-17

Cordova, TN

Other fee

Credit card:

Complaint: To Whom It May Concern, I, XXXX XXXX, recently reached out to customer service at Target Redcard regarding the above mentioned credit account. A brief summary of the past year for me includes a XXXX where I had XXXX and a XXXX put in my XXXX, as well as XXXX XXXX on my XXXX with the most recent XXXX on XX/XX/XXXX. I am still recovering from the last XXXX, all of which I was injured on my job as a XXXX. The reason I disclosed this information is not for sympathy, but so that you would know why this issue was able to persist and continue for as long as it did, as well as in hopes that you will understand my state of mind and why I feel the way I do. When you give a company your personal information and get a credit line extended you instill a sense of trust with that company. RedCard has not only took advantage of that trust but as a person they have made me feel worthless and betrayed. My fianc, XXXX XXXX, and I have a {$500.00} credit line. This year we have made numerous payments throughout the year before the due date and sometimes multiple payments before the due date. The attached documents show that a total of {$520.00} has been paid towards the balance of the card, which only has a {$500.00} limit?! That balance includes {$190.00} for the above mentioned and below mentioned practices of deception and theft. Come to find out RedCard did not count this as a payment towards the bill because it was paid a couple days early. When you make a payment online, depending on your financial institution and the company you are paying sometimes it can take a few days to actually post, or come out of your account. So instead of saying ok the bill was paid RedCard said that was a payment for the previous billing cycle, thus saying no payment was made for that month/billing cycle. In one month I paid well over {$100.00}, again because I paid it a few days early. But RedCard did not count it as a payment for my bill that was due and charged late fees and other penalties. I spoke with customer service who added insult to injury by stating that they will waive late fees two ( 2 ) times a year but they would not do it for us, or could not because the " system '' would n't allow it. I was told a case was opened and the situation was " elevated. '' The rep stated that a supervisor would be in contact with me shortly and the matter would be resolved. Again, this did not happen. Instead they just sent me another bill, with more penalties and fees after the rep told me and agreed to wait to make a payment until I talked to a supervisor and a resolution was found to the above issue. I have been charges in excess of {$190.00} in fees alone for making my payments, making extra payments, paying more than what was due/minimum payment, and for trying to be a responsible credit card user. RedCard has betrayed my trust, lied to me, and basically stolen my money by charging hidden fees for trying to do the right thing. On top of that, they refuse to respond to my inquires or follow up with me like they said they would. Attached are copies of the statement, which shows all my payments and the " fees '' total that I have been charged, and continue to be charged. As I stated to the representative none of my other credit cards operate or function in this manner. Such as XXXX XXXX. If my payment is made the day before, 24 to 48 hours before the " due by date '' or clears the day before the due date, they do n't try to claim it was applied to the previous billing cycle. Thus RedCard expects you to pay and the payment to clear by the " due by date, '' if it clears before it is counted towards the previous billing cycle and if it clears the day after the " due by date '' you get charged late fees and such.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-12-17

Wallington, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I went into TD bank to close an account on XXXX. They took my bank card and confirmed that the account was closed. Over the course of the month of XXXX, they proceeded to keep the account open, and allowed multiple charges to go against it. When I came in to see why charges were being allowed against a XXXX balance closed account, they told me that they had closed the account incorrectly. The manager was not in, so the amount that I was refunded out of the over {$400.00} in overdraft fees was {$100.00}. I was told a manager would call me about the issue and help me get fully refunded. It is now XXXX and they have been allowing charges to continue to go through and are still charging me overdraft fees for an account that should n't exist anymore. I 've tried multiple times to get in touch with a manager and I 've been told they are not there or are busy and will call me back. I 've been attempting to get resolution on this for weeks now, and still do n't have closure on the issue. This bank is irresponsible and they are thieves. When the manager finally did call me back, he became very accusatory and nearly insinuated that I was trying to use the bank account even though I had asked that it be closed. The representative that helped me close the account lied and told his manager that I was solely asking him to close the debit card - which makes no sense whatsoever. They are trying to now charge me money on an account that should not exist. I 'm not getting any help with resolution, and the bank, which I 've had money in since I was a teenager, is now calling me a thief. I am still waiting for resolution on this after spending countless time and effort trying to get everything taken care of.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-17

Brant Lake, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-17

South Florida, FL

Transaction issue

Credit card:

Complaint: I used my Target M/C red card which is supposed to get me a 5 % discount on target purchases. I made a {$23.00} purchase on XX/XX/2015 and they only gave me a {$0.00} credit and said it is 5 %. I also noticed that they are not collecting the correct amount of tax which is 6 % in Florida as they only taxed {$18.00} of my cat food purchase of {$23.00}. I suspect this has happened on all of my target red card purchases for the past 5- years.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-17

Rehoboth Bch, DE

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD Bank Routing # XXXX Acct # XXXX On XXXX/XXXX/2015, I withdrew XXXX debit tranactions through my above mention checking account. I first with drew {$5.00}, and then {$20.00} and remained with a postive balance. After the XXXX prior withdrawals I withdrew {$120.00} putting the account in overdraft for about {$88.00}. If TD bank did correct accounting my balance would have been - {$88.00} plus - {$35.00} according to the time stamp of the XXXX XXXX tranactions. Speaking to the customer service manager who refused to give her fullo name Employee # XXXX informed me that when balancing they go by the largest amount first and thats why I was charged withb overdraft XXXX times. I informed XXXX that this is illegal and charging thousands of customers everyday that XXXX bank is being " UNJUSTLY ENRICHED and this is ENCHEATMENT ''. Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX ( h ) XXXX XXXXXXXXXXXX
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-17

Belle Center, MO

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-16

Redondo Beach, CA

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-16

Franklin Lks, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Hello. i would like to report TD Bank for excessive overdraft fees, I had made one transaction with XXXX on XX/XX/XXXX which came out as XXXX transactions instead of XXXX and another transaction was made with XXXX on XX/XX/XXXXTD took out the XXXX transaction first then took out the XXXX transactionsXXXX .When I made XXXX transaction there was a positive amount in my checking. The XXXX transaction put my account into a negative balance. So because they didnt post transactions chronologically they charged me XXXX bounced check charges instead of one. TD Bank makes a habit of doing this time and time again. Not the first time they did this. Guess its their way of getting more money out of me. So I got charged XXXX bounced check charges XXXX instead of one. They now really threw me into a negative balance with XXXX taken out instead of XXXX and now everything is bouncing . So the deposit I made to cover what should of been one bounce check charge is not enough to cover my account. This is bad banking practice and a way to steal money from their customers. I am sure they do this to a lot of customers and getting rich doing this.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-16

Bronx, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-16

Wyckoff, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-16

Gloucester City, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: TD Bank stacks transactions to their own advantage. Especially when an ACH withdrawal comes in the same day as a direct deposit - they will always charge a {$35.00} fee to pay whatever came in to be paid - even though the funds were available the same day the bill came in to be paid. When XXXX used my acct as a backup source for funding - it overdrew my account - a {$7.00} XXXX charge incurred a {$35.00} fee. Then the {$140.00} in fees from TD Bank cause my acct to be overdrawn which overdrew ANOTHER couple of small transactions ( like {$5.00} and {$16.00} all under {$20.00} transactions which incur a {$35.00} fee each ) - I literally paid more in bank fees in XXXX already than for any of my own purchases. There should be some kind of regulation that an NSF fee can not exceed the amount of the transaction.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-15

NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I WAITED LITERALLY XXXX MINUTES ON HOLD TO SPEAK TO SOMEONE ABOUT MY ACCOUNT TONIGHT XX/XX/2015 AND LITERALLY WHEN THE WOMAN CAME ON THE PHONE, I POLITELY COMPLAINED THAT 16 MINUTES WAS FAR TOO LONG TO WAIT FOR ANYONE, AND SHE RUDELY AND SIMPLY HUNG UP ON ME, CAUSING ME TO HAVE TO NOW CALL IN AGAIN AND RE-VERIFY MY ACCOUNT, AND NOW I AM ON HOLD AGAIN. I ANTICIPATE ANOTHER WAIT HOLD FOR XXXX MINUTES FOR A VERY SIMPLE QUESTION COSTING ME MORE THAN XXXX MINUTES OF MY PRECIOUS TIME AND DAY. I BILL XXXX, WILL TD BANK OR THIS WOMAN COMPENSATE ME FOR THIS LOST UNNECESSARY TIME SPENT CHASING TD BANK DUE TO ITS RUDE CUSTOMER SERVICE REPS THAT NEED TO BE EITHER RE-TRAINED/TERMINATED FROM EMPLOYMENT? I AM NOT A DOG AND I DON'T NEED TO BE XXXX TRAINED OR BEHAVIOR-MODIFIED BY THESE UNFRIENDLY AND RUDE CUSTOMER SERVICE REPS.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-15

Arlington, VA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On behalf of my son, a XXXX, his student checking account was debited by TD Bank for {$440.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. I believe TD Bank has inappropriately applied overdraft fees on his account in excessive amounts. Can you please investigate this matter? Thank you.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-15

Arlington, VA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: As a customer of TD Bank, my checking account was debited by TD Bank for {$2500.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. I believe my bank has inappropriately applied overdraft fees on my account in excessive amounts. Can you please investigate this matter and any prior period? Thank you.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-15

Brooklyn, NY

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: TD bank keeps reporting me for the past 2 years as a open balance
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-15

Lafayette Hl, PA

Settlement process and costs

Mortgage: FHA mortgage

Complaint: I have made a purchase on a house I was scheduled to close on Monday, XX/XX/XXXX. I initially applied for a mortgage loan through TD Bank back in XX/XX/XXXX. However, the mortgage processor neglected to let anyone know there was only one piece of the information missing until today, which prevented me from being able to close on the house. Everything was set up to close today between myself, the title company and the realtor, except for TD Bank because have n't gotten around to review or finalize anything even though they have been recieving information for the past two months. I am now in the situation where I will have no where to live by week 's end and have to pay fees and penalties to various companies that I had set up based around the closing date I was provided. There is no resolution or estimated time on when I will be able close on this house and was given poor customer service by those involved at TD Bank.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2015-12-14

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-14

Arvada, CO

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response