TD BANK US HOLDING COMPANY

2015-12-08

Franklin Lks, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-08

Belcoville, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-08

Philadelphia, PA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I am writing to inform you of my suspicion that TD Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with TD bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was {$33.00} overdrawn as a result of a XXXX purchase I am on installment payments for. I screenshot the page. This was around XXXX. TD 's policy is that you will not be charged a fee if you deposit the negative funds the day the transaction is made. I deposited {$40.00} in my account on XXXX/XXXX/15 and had a {$3.00} balance after the XXXX purchase posted. Sometime during the overnight of XXXX, TD bank went into my account and changed the transaction date to show that the XXXX purchase was presented for payment on XXXX, which is a banking holiday as no transactions post on Sundays. In my screenshot, you will clearly see that the {$40.00} deposit was made the same date of the XXXX transaction. This morning I checked my account saw that Gas was presented for payment and that I was {$8.00} overdrawn. When I checked my account at lunch time on XXXX before going to the bank, TD bank changed the date of that transaction and charged me a total of XXXX overdraft fees. I am certain that TD bank is changing the dates payments are posted during the overnight while bank customers are sleeping so that they can charge NSF fees. By my estimations, I have spend over {$1000.00} in 2015 for this reason alone. I explained to the customer service rep that I did not overdraw my account and relied on my bank records to be accurate and I was basically called a liar in so many words. Please assist me as I am certain that there are many other customers who can not afford to continue giving a XXXX dollar industry more money as a result of their fraudulent practices.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-07

Altadena, CA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Port Chester, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Brick, NJ

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-07

Succasunna, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-07

Billerica, MA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: TD Bank charged my account XXXX with an overdraft fee of {$100.00} when there was no reason for the overdraft. I want TD to inmidiately return the amount since in the last year they have charged me over {$800.00} in overdraft fees.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-05

Fresno, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-04

Laurel, NY

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-04

Bronx, NY

Credit determination

Credit card:

Complaint: On XXXX XXXX, I saw a TV sale at Target. I have a Target Credit Card and knew my limit was {$4800.00}. When I tried to purchase a {$840.00} TV online, I was denied. I called Target and was told my limit now was {$200.00}. The Customer Service Person told me that in XXXX 2015 my limit was reduced to {$2000.00} and in XXXX it was again reduced to {$200.00}. The reason for this reduction according to Customer Service was that I had not used the card in at least 9 months. He told me it was not my Credit Score and in 70 days they would review the limit again. However, I needed the TV now. The reason of my complaint was that Target never informed me when they reduced my limit not once but XXXX. I even expressed this complaint to Target 's XXXX department.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-04

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Checking account

Complaint: XX/XX/XXXX I opened up a joint TD Bank account ( with my mother ) for use while I was studying abroad. XX/XX/XXXX I took out the balance from the bank account, walked into TD Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a XXXX balance on the account, he will close it. After that date, I would receive statements from TD Bank. After contacting them several times, I was told that they are unaware of why I am receiving statements since there was a XXXX balance and I closed my account. I walked into the TD Bank on XXXX XXXX and XXXX XXXX in XXXX and asked to speak to a Banker to handle this issue. The Banker could not find my account information and said that it was closed. At which point I asked to speak to a supervisor. The supervisor was not present and I was told he will reach out to me after I provided my information. I stopped receiving statements and assumed that the issue was handled. At the time I was in college and was aware that I should documented this situation with more rigor. Today my husband and I decided to apply for a mortgage and after checking my credit history, I was told that my score is XXXX because I have {$41.00} outstanding as part of collections on that account. The {$41.00} is related to overdraft fees because I had no money in the account ( when the bank account required a balance at all times ). I have never received notice of collections related to this account. Furthermore, I have done everything in my power to close the through TD Bank and was misinformed throughout the entire process. This has now wrongfully affected my credit score and I was mistreated as a consumer. I am a working individual with XXXX debt, but I refuse to pay the {$41.00} as it was wrongfully incurred and should be removed completely from my credit history.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-04

N Las Vegas, NV

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Bronx, NY

Communication tactics

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

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Brooklyn, NY

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-03

Gilman, IA

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-03

Simi Valley, CA

Customer service / Customer relations

Credit card:

Complaint: I received a letter from Target redcard. It asks me to activate my new card. I never received a new card and I have been trying for over an hour to get thru to them. ..and I do n't have the mins to sit and go thru the horrible automated system to report this missing card. I do not want to use the website and I have been trying to get thru to customer service and it just says I do n't recognize. I have a small balance on this card ... .wherever it is. I would like to make sure there are no fraudulent charges and let them know this new card is missing. I obviously do n't have the new card number but I listed the old one in this complaint. And why is it I have to wait for what feels like days to fix this issue. I cant read the numbers on the back of the card the font is so small ... and the letter asking me to activate my new card ( which I do n't have ) has a phone number that is ridiculously hard to see or navigate within.. I do n't want to sign into the site online. I want to talk to a person. There is n't even a date on this letter. As far as the amount lost?. I do n't know if someone has used it or not. I do n't have the card number. So stupid. Please help. I am tired of helping XXXX make money cuz I have to call some customer service line and hold and hold forever. ( this happens with many of the companies I deal with )
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2015-12-03

FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: they said I payed my bill before there billing cycle was over, so the payment was used as a extra payment for the month. the following month no bill. when I recived my bill for the following month it had late fees on it. I called them and spoke with a supervisor, they said that was how it works per contract. this happened before and the fixed it. so later that month I did a refinance on my home and my bank took the equity to pay bills off, contacted all the people I owed and recived payoff amounts. what they gave them was what I owed. now the say I owe a late fee and a extra 20-30 dollars more than the pay off. what can I do. thanks
Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-02

Hulmeville, PA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-02

Stoneham, MA

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-12-02

Chestnut, NJ

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-02

Jacksonville, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-02

Flushing, NY

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Closed with monetary relief

Disputed: No Timely Response

2015-12-02

Phila, PA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Closed with explanation

Disputed: No Timely Response

2015-12-01

Chester, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response