TD BANK US HOLDING COMPANY

2015-12-14

Dix Hills, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-14

San Francisco, CA

Other fee

Credit card:

Complaint: I have a Target Credit Card issued by TD bank. In XXXX XXXX 2015 the bank put a charge on my account - {$25.00} returned payment fee. I called to the bank 's customer service and explained that I believed that the fee was a result of the bank 's computer system error : in the previous month, XXXX, I logged into my account online and change the information for the payment account for my Target Credit card. The system informed me that the changes would take place starting the next month - XXXX. However, The next month the changes were not applied and the payment on my Target credit card was drawn from the old, incorrect account. That 's why the return payment happened. I explained that to the Bank 's customer service agents and requested a refund of {$25.00} fee. The first agent sounded incompetent - I requested to connect me with her supervisor. At first the agent refused saying that her supervisor had all the same information and could not help me better. After I insisted she put me on hold and I waited for about XXXX min, with no result. Finally I hang up and dialed TD bank 's customer service again. The next agent was more cooperative and transferred me to the supervisor sooner. The male supervisor spoke to me rather arrogant and said that the bank would not refund the fee. The whole communication with TD bank was just a hassle. And I still understand that the fee was charged unfairly.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-14

Chattanooga, TN

Unsolicited issuance of credit card

Credit card:

Complaint: I have applied for a Target REDcard while checking out at XXXX of Target stores in XXXX, TN ( On XXXX XXXX ). I made a one-time purchase when I applied ( back in XXXX 2015 ). I never received any correspondence from Target REDcard at all. I only received a letter from XXXX collection agency on XXXX XXXX, 2015. I called Target REDcard and they informed that the mail was returned!! ( probably due to invalid address ). I asked for them to contact the Credit Agencies to remove the bad credit that they reported. Target REDcard refused to remove the bad credit reporting.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-14

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-14

East Barre, VT

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-12

Gloucester City, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-12

Limerick, PA

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-11

Golden Isles, FL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-11

Boston, MA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-11

Franklin Lks, NJ

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-11

Deltona, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-11

Nyc, NY

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-11

FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: My company used TD Bank for our merchant services. Their fees were much higher than what they had initially quoted. Therefore I moved the merchant services to another bank. TD Bank refuses to stop charging me {$28.00} per month for the merchant service even though there is no longer any merchant services. It is a small amount but they are in fact stealing my funds in my opinion. They also say I am under contract and to terminate the services I would be forced to pay more fees. I am not under any contract and feel this is just bullying on their part.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-10

Miami, FL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-10

Alexandria, VA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: TD Bank failed to provide timely and accurate information regarding the mortgage process. Further, TD Bank stopped responding to e-mails or requests for information once we expressed concern about the misinformation that was provided and their latency. XXXX examples include : ( 1 ) When we completed our mortgage application, the loan processor referred to the new law but assured us that TD Bank could complete the mortgage process in 45 days. Additionally, the TD Bank website states that " generally, your mortgage will be ready to close in 30-45 days. '' Although our closing date was scheduled for over 45 days from the start of the process ( and we provided all requested information in less than 24 hours of the request ), TD Bank did not complete the mortgage process by the closing date and did not inform us of their processes with regard to the new three-business day rule for us to have the Closing Disclosure forms. In fact, TD Bank did not inform us that we would not be able to close until 1 business day prior to closing. This poor communication resulted in financial loss to us because we had already transferred utilities ( costs not yet known ) and paid for city parking for the moving truck ( {$60.00} cost ). ( 2 ) TD Bank failed to inform us of the option to receive mortgage disclosures electronically. We learned of the option when it was time for us to receive our Closing Disclosure ; however, TD Bank would not allow us this option because we had not opted for this option at the start of the process. TD Bank acknowledged that they did not inform us of this option at the start of the process, but said the law did not allow us to opt in late in the process. TD Bank refused other options that appear to be allowed by the law ( e.g., e-mail or fax ) and insisted we wait for regular U.S. postal mail. The failure to inform us of the electronic option or allow for other avenues resulted in financial loss because it further delayed the rescheduling of the closing date. TD Bank appears to need more guidance on how to implement and communicate about the new law to customers. Different associates provided us different information ; we remain uncertain which interpretation is correct or what it will mean for us. We will be submitting more information to TD Bank directly on our experience, but thought it prudent for future customers if we shared our experience regarding TD Bank 's handling of this new law.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2015-12-10

ME

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: After XXXX 2015, TD Bank stopped detailing escrow activity on their mortgage statements. I called customer service and spent a great deal of time trying to recover this information for my own accounting purposes and was later told it was a " glitch '' in the system that has been going on " for a couple months. '' My understanding is that it is required by law for the lender to disclose this information on the monthly statement and the fact that I had to take additional time to procure it is not acceptable - especially after such an ample opportunity to resolve the " glitch. '' It matters a great deal to me because I was having trouble with the billing of my hazard insurance to the escrow after switching carriers and had no idea what had been paid out or when.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Chicago, IL

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-09

Phila, PA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-09

Bronx, NY

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I was having dinner tonight at XXXX XXXX and tried to settle my bill for {$160.00}, my TD Bank card was declined. I contacted TD bank customer 's service line, instead of the service representative to me my card was blocked so I asked her to unblock my account and I requested to speak to a supervisor and was placed on hold for 10 minutes. The supervisor came on the line ask me to verify my identity and ask if I can authorise the transaction and I told her I already have with the call representative, but she did not and hung up the phone. I called back spoke to another representative and told her what happened then she hung up as well! So I called again and finally had the block taken off and the call representative was rude and did not care how this ordeal affected me so she hung up the phoe on me as well. Please do not use TD bank.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-09

Naples, FL

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit. Therefore, I filed a dispute on XXXX, as a new complaint, Case # XXXX. My new complaint disputed the {$30.00} and repeated many of my original statements, as TD did not address them in its reply. On XXXX XXXX, TD replied simply that it had paid me {$30.00} in XXXX and therefore I was mistaken. I was extremely surprised by this reply, and my response is a XXXX complaint, as follows. When TD said that they paid {$30.00} into my account, it sounded like they did so in response to my new CFPB complaint about the new XXXX problem which was the tipping point that caused me to file with the CFPB. When I filed my original CFPB complaint, I did know that TD made a {$30.00} credit in XXXX. In fact, in my original complaint, I stated that TD gave me a {$25.00} apology amount ; that XXXX sum was part of that {$30.00} -- - TD paid me {$5.00} in retro-interest plus {$25.00} for my trouble -- totalling {$30.00}. However, that {$30.00} was regarding PRIOR complaints that I made directly to TD before ever contacting the CFPB in XXXX about the new XXXX problem, and as such, when TD said in XXXX that they gave me {$30.00}, I thought that they meant a new {$30.00} to address the new XXXX issue which I described in my original CFPB complaint -- I thought that until their XXXX XXXX reply. As I stated in my XXXX dispute of their initial reply, TD, in XXXX, changed its offered accounts with no notice, so that I no longer had the best interest rate. Please refer to that XXXX complaint for full details. Yes, in my complaint about the new XXXX issue, I did describe all of my prior problems, because, when I reached my tipping point after the XXXX problem occurred, I wanted your Bureau to be aware of the pervasive problems with TD which I fear affect many, many people, and not just me. But TD never addressed the new XXXX problem ; and the Retail Operations Manager, XXXX XXXX, who gave me the {$30.00} in XXXX, never responded to my call about this new XXXX problem -- in spite of his XXXX assurances to me that he was so very much concerned w/ fixing any errors. As I stated more fully on XXXX XXXX, in addition to wanting compensation for me due to the XXXX issue, I want TD to have to publicize the information regarding the new account structure so that all customers who had Relationship Savings will know that it no longer offers the best TD rates.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-09

Bellaire, TX

Unsolicited issuance of credit card

Credit card:

Complaint: Numerous credit cards were fraudulently opened in my name due to identity theft. I filed all necessary paperwork / affidavits / police report. Target said they did n't receive my paperwork. I resent and was told they would contact me when they received it. They forgot to contact me. They also forgot to process the paperwork. They have not forgotten to send me fraudulent bills for over {$3000.00}. They will not provide me with information on how to file a complaint.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-09

Ny City, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Am Having a Problem with TD Bank charging me several Overdraft fee the problem started XXXX/XXXX/2015 There was a checked that was deposit into my account For The Amount {$34.00} and the checked was return due because they where no funds on the account so first TD Bank charges me and over draft fee {$100.00} wish posted on XXXX/XXXX/2015 and then they charge me another overdraft for {$35.00} Dollars on the account due beacuse of the check was not valid and they where no funds on the account am really fustrated of this scam td bank i been paying then overdraft fee for each transaction and they are not willing to cover or ajust the overdraft fee of {$35.00}
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-08

Donegal Heights, PA

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-08

No Haven, CT

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: No Timely Response